23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX, our Loan servicing was transferred from XXXX to Carrington Mortgage Services , LLC . We never received any communications or information from Carrington. The only information we received was a notice of servicing transfer from XXXX. XX/XX/XXXX, we finally get a letter asking for updated contact information. I mailed updated contact information back to Carrington. XX/XX/XXXX, an unknown person showed up at our residence with a piece of paper with a phone number that stated contact as soon as possible. My husband called the number XXXX on XX/XX/XXXX. It was Carrington and the conversation was about what were our intention to do with the property. He asked why have n't we received a monthly statement and was told they do n't automatically send them, we have to request one. When I mailed XX/XX/XXXX payment, I requested a statement and have yet to receive one. XX/XX/XXXX, we received a blue envelope from Carrington with our check for XX/XX/XXXX 's payment and a letter demanding a quick collect or XXXX XXXX payment. XX/XX/XXXX, my husband called Carrington about why we received the letter and why they returned check for XX/XX/XXXX. He informed them that all payments were made on time and up to date. Carrington had cashed all our checks. They stated their records showed no payments were made. 
I pulled cleared checks from our and faxed to them. Carrington stated they will look into it and get back with us but process could take 30 days. XX/XX/XXXX, we received a letter of intent to foreclose and another one XX/XX/XXXX. This has been very frustrating to have to deal with a Company that is supposed to have our best interest first. They have been cashing payments and not professionally handling them. Then to threaten foreclosure when they are mishandling funds. We have to jump through hoops to prove to them that we 've paid them. It 's sad. I had a credit card cancelled due to incorrect information being reported to the credit bureau due to their mistakes.
Product: Checking or savings account

I attempted to signup for a checking account online with Truist Bank on XXXX different occasions but all attempts failed but never gave me a reason. All it said was I must go into the bank. I went into the bank and they could not tell me why I could not setup an account online. The reason I was doing it online was to qualify for the {$400.00} bonus if I met the requirements for the bonus. I was told by the person I opened the account with that they would apply the code for me to be eligible for the bonus if I met the requirements. I contacted them last week and was assured a call back and follow up email but I didnt get either follow ups. I think this is a scam that makes people come into the bank to setup their account just so they dont qualify for the bonus. Seems like a complete scam to me. I qualify for the bonus and I should receive this bonus payout.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I received a letter from " GC Services Limited Partnership '' with the return address of XXXX XXXX XXXX, XXXX PA XXXX. The provided phone number was XXXX The letter was to inform me of a fraudulent {$1100.00} debt on my " account with XXXX ''. I know that this is fraudulent because I have never been a customer of XXXX in my life ; I have used XXXX XXXX XXXX since my first cell phone, and I have always been on a family plan -- I have never had a phone bill in my name. 

I considered calling the company, but given a XXXX search I inferred that they are a predatory collection agency and decided I would have more success contacting the CFPB first.
Product: Debt collection

I started working on my credit report snd noticed two collection accounts from Wakefield and associates the credit report said XXXX XXXX IS THE origin but I am unaware of such said company I notice Wakefield keep increasing the balances on those accounts which is mind blowing to me. Wakefield is violating my HIPPA RIGHT if these are medical bills. If wake field do not cease and desist all actions immediately I will seek counsel to bring legal action against them.
Product: Checking or savings account

I Opened a TD Bank Checking Account online on XX/XX/2019. 

Account was immediately locked and required me to come into a branch to with my State ID to prove my identity. However because I was living in California at the time I couldnt go into a branch because TD bank doesnt have any branches in the state of California. 

I called to explain this multiple times over the course XXXX, XXXX and XXXX and each time a customer service rep would refuse to help me further. Because of this my locked account gained {$50.00} in service fees even though I wasnt able to use the account. The customer service reps refused to close my account or waive the fees. 

I was finally able to go visit NY in XX/XX/ 2019 in which I asked to close my account in a TD Branch ( XXXX and XXXX ). The Customer Service rep at the bank was also rude during this interaction and refused to help with me. He demanded that I pay the {$50.00} in service charge in cash so he could close the account. I had no choice but to do so or else my account would continue to gain fees. 

Through this whole experience not a single customer service rep was helpful and provided a terrible experience.
Product: Debt collection

Merchants & Medical Credit Corporation ( " Merchants '' ) is attempting to collect {$310.00} for an invalid medical debt. Merchants is the debt collector for XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) who provided emergency ambulance services to me on XX/XX/XXXX. My health insurance reimbursed XXXX XXXX {$690.00} pursuant to my medical insurance policy and the insurance 's reimbursement process. I was never notified by XXXX XXXX or anyone else that further money was needed until a negative collection report was reported on my credit report by Merchants. 

On XX/XX/XXXX, I sent a letter to Merchants by certified mail ( acknowledged and signed for by a Merchants representative ). Merchants has not responded. In my letter ( see attached ), I made several points : 1 ) The {$310.00} was invalid because Merchants was engaging in balance billing, a practice prohibited by California law ( XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) ) ; 2 ) Merchants likely violated my due process rights by violating the Fair Debt Collections Practices Act Section 809 ( a ) s requirements for written notices ; and 3 )  Merchants changed billing statements from the incorrect city ( XXXX XXXX ) to the correct city ( XXXX ), presumably to create the appearance that they had provided adequate notice. 

To date, Merchants has not responded to my letter. Merchants removed the collection account from my credit report but started reporting the collection account again on XX/XX/XXXX. I filed a dispute with XXXX  on XX/XX/XXXX and did not receive a satisfactory dispute response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, CAPITALONE add a hard inquiry on my credit report per XXXX.
Product: Credit reporting

I have a security freeze place on my credit file. I have asked for my freeze to be lifted and every time I call to speak to agent Im being transferred to the Office of Consumer Affairs. I ask the office of consumer affairs to lift my credit freeze and I 'm rudely talked to and hung up on each and every time I call in. They continue to discriminate me and mistreat me. I have now been hung up on 3 times on XX/XX/2016 by a rep in the office of consumer affairs named XXXX XXXX. She is extremely rude and talks to me in a disrespectful unprofessional manner.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed {$110000.00}
Product: Debt collection

In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX and their debt collections attorneys ( XXXX XXXX and XXXX XXXX of Gusdorf Law Firm ) sued me for a {$1200.00} sewer service debt. When I raised fraud complaint with Gusdorf and presented documented evidence of merit to support the claim, asked for the return of the {$1400.00} that was stolen from me by XXXX and Gusdorf Law Firm, they pursued me for an outstanding debt I do not owe and used the civil court to perpetrate and cover up fraud. 

Specifically, XXXX ( via Gusdorf Law Firm ) sued me and ( XXXX ) the writ petitioned the Court for awards in attorney fees, court costs and late fees associated with debt collections EVEN THOUGH, ( XXXX ) XXXX assessed charges for attorney fees, court costs and late fees ( well in excess of XXXX standard monthly late fee percentage of 0.75 % ) on attorney fees and court cost directly to my XXXX account and included the charges in the principal amount of the debt, and ( XXXX ) ADDED additional charges for attorney fees and court costs to the garnishment order, and garnished my wages for same, and ( XXXX ) XXXX continued to assess charges for attorney fees and court costs to my sewer account AFTER the case was settled in XXXX of XXXX. 

XXXX owes me {$1400.00} for excess garnishment and overcharges between XX/XX/XXXX and XX/XX/XXXX. Fraud complaints were filed with XXXX and Gusdorf Law Firm, and both were provided the evidence that support the claim.
Product: Credit card or prepaid card

I found out about this alleged debt when I received a call from a debt collector stating they are calling with Comenity Bank/Ikea . I filed a dispute and told them I never opened an account with this bank and company. I am being harassed by phone calls and have yet to hear a response for my dispute. I have attached and FTC Identity Report to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been in contact via mail with all three of the major consumer reporting agencies as of XXXX 2020 regarding fraudulent established accounts reporting on my credit file. I have received correspondence from XXXX, but both XXXX  and Experian has not sent any updated copies of my credit report as I am entitled to under the Fair Credit Report not provided any reasonable investigation nor sent out any results from several disputes. Several addresses that I requested to be updated still remain on my credit file and its been over 60 days from my initial request. Under the Fair Credit Reporting Act this is a violation and Experian must be held accountable. I have not received any return mail so I can only assume my dispute were received and have gone un answered. I have been denied credit due to the inaccuracies currently reporting and find these negligent actions unacceptable. PLEASE BE ADVISED THIS IS NOT A REQUEST FOR VALIDATION, AT THIS POINT THESE DISPUTED ACCOUNTS MUST BE REMOVED DO TO NO RESPONSE FROM NEITHER EXPERIAN OR EQUIFAX. PLEASE DO NOT REQUEST OR DENY MY REQUEST DUE TO YOU NOT HAVING ANY ACCOUNT INFO TO GO BY SINCE I'VE ALREADY CLEARLY SENT IN A WELL DOCUMENTATED DISPUTE LETTER WITH SPECIFIC DETAILS OF ACCOUNT NAME, NUMBER, AMOUNT, AND ETC.
Product: Credit card

On XX/XX/year> I had a flight with XXXX XXXX, Flight Number : XXXX that was purchased Through Capital One Portal with Flight Disruption Assurance / trip delay insurance which was an additional charge on top of the Flight price. This Protection promised to find me a flight on the same day or next day if my flight was more than 3 hours delayed.

The flight did indeed exceed 6 hours delayed and so I called the number that I was prompted to. One thing to note is that Capital One assures that it will notify you if they detect the delay. That notification never called. It required me to be proactive in order to even get the person on the phone to agree to look at options. The first person to assist me and the manager there as well said there was nothing they could do. There were no flights on any airlines from any nearby airports that day or the next day that they could book for me. However, when I searched for flights on my own, there were plenty of flights that could be booked without issue. I called several times to look for assistance as I believed in the product I bought. The first two times they said there was no incidence number they could provide me, no are they required to give me their names so that I can make records of the call. I continued to ask for helps as I saw possible flights available. One representative told me that because there were NO flights available on their end, my ONLY choice was to have them cancel my flight and nothing else could be done. This was already an option by XXXX XXXX. I also know that the representatives are able to talk to airlines directly for rebooking as my representative did contact XXXX to look for options from their end. Due to my time constraint, I purchased my own flight with the same origin and destination on that day so I could make the event that the protection was supposed to help me with. I am extremely frustrated that a fake and deceptive product was sold to me that cost me money and in the end I had negative benefit. Not only did they give me false protection and reassurance, but I also had to find my own solution after they left me stranded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed XXXX that was on my credit file with Experian. XXXX is an account that is a result of identity theft. Experian wrote me and said the account was accurate and verified. Yet Im trying to figure out how was it verified and accurate when the account is a result of identity theft. XXXX and XXXX deleted this account but yet Experian continues to recklessly report inaccurate fraudulent information onto my credit file. Im not sure of how you did this when I know for a fact that they account is inaccurate and fraud. From my research on the FTC website, it stated that all reporting from creditors or collectors must be 100 % accurate and not 90 %. This XXXX account is 100 % fraudulent. I also have new information such as a police report, notarized affidavit and my driver license. All my things were stolen in XXXX and numerous accounts and apartments were obtained in my name without my consent and my signatures were fraudulently copied.
Product: Credit reporting or other personal consumer reports

Experian has once again failed to do its job, and Im beyond frustrated with their blatant disregard for accuracy. They are falsely reporting incorrect information on my XXXX XXXXXXXX XXXX account ( Account # XXXX ), and I am done tolerating this negligence. Experian is the only credit bureau misreporting my payment status as Paid, was past due 30 days two or three times, while XXXX and XXXX both have it correct as Paid or Paying as Agreed. How does that even happen? If the other bureaus can report the truth, why is Experian the only one making this mistake? To make matters worse, Experian is falsely listing late payments for XXXX and XX/XX/year>, which are completely inaccurate. This isnt just a small errorthis is reckless and unacceptable. 15 USC 1681e ( b ) explicitly requires Experian to ensure maximum possible accuracy, but they have completely failed to do so. At this point, its either gross incompetence or deliberate noncompliance with federal law. Under 15 USC 1681i, I am formally disputing these errors, and Experian is legally obligated to conduct a proper reinvestigation and correct this misinformation immediately. If Experian refuses to do so, they will be in direct violation of the Fair Credit Reporting Act, making them legally responsible for the damage they are causing to my credit profile. I demand immediate correction of these errors and written confirmation once the corrections have been made. If Experian continues to ignore my rights and allows this false reporting to remain, they will face the consequences of their actions. I will not accept delays, excuses, or incompetencethis needs to be fixed NOW.
Product: Debt collection

On XX/XX/2016, I was involved in an accident where i had to be taken to the hospital. Somehow, my social was written wrong and XXXX did n't cover it until i spoke with them, and they corrected it leaving me with a 0 dollar deductible and 0 dollars owed. XXXX mailed a letter that stated " we received an inquiry regarding patient billing on the above claim. the patient 's cost share and/or copayment was {$0.00}, and we applied {$0.00} towards the patient 's deductible. the claim originally denied because it was submitted with an incorrect member identification number. this has since been corrected and the claim has been paid, leaving no patient responsibility. 

our files show that although you are not the network provider, your claim was submitted indicating you agreed to accept assignment. therefore, you have agreed to accept the XXXX maximum allowable charge as payment in full. the beneficiary is only responsible for copayments, cost shares, and/or deductible amounts. if the patient paid more than the copayment, cost share, and/or deductible for these services, please refund the payment to the patient within 30 days from the date of this letter. '' somehow this still is being charged as a collection.
Product: Mortgage

I along with my representative, have been trying to clear up my account with Freedom Mortgage so I can qualify for a new mortgage. We have been trying since XX/XX/year>. They refuse to correct the report although they verify we are correct in our requests. The refuse to escalate the trouble and have continually stated they would call back. We, XXXX and I, have called numerous times to be put on hold for two hours or more. The main issue was I took the XXXX plan and they have held that against me. I am XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX. I feel they are taking advantage of me due to my XXXX XXXX XXXX XXXXXXXX. They do not return any calls and refuse to help. This has completely held up my ability to get a new mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 52 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 52 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Product: Money transfer, virtual currency, or money service

I have an active account with Gemini www.gemini.com. they have had the account for over a year and they always are able to withdraw from my XXXX account. Went to make a withdraw and surprisingly they are not compatible to send money to my XXXX account. Wrote to customer service and they provided a code for me to issue a wire to them. Called XXXX as i had never heard of a wire transfer to receive money. They agreed. An ACH Collections account could be provided, but i would need their banking routing and related information according to XXXX. They asked for my bank statement which i provided but makes no rational sense as well as my checking information to attempt to facilitate the withdraw. Provided my telephone number as they do not have one! HELP!!!! THESE PEOPLE SHOULD NOT BE IN BUSINESS.
Product: Debt collection

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICESCOLLECTIONS company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Product: Credit reporting or other personal consumer reports

Good day, Per the FCRA 15 USC 1681 section 602 a clearly states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Equifax are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by the Gramm-Leach-Bliley Act 15 USC 6801 - " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the definitions under the aforementioned title, the following furnishers of information ( I'm including the account numbers as well ) are considered financial institutions : On XXXX : XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX On Equifax : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Additionally, I did NOT give verbal or written permission to the aforementioned furnishers, Equifax nor XXXX to furnish any information, according to 15 USC 1681 Section 604a section 2.

You can see 15 USC 6802 ( b ) ( c ) regarding a financial institution disclosing nonpublic personal information to a nonaffiliated third party.

Also see 15 YSC1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse and being reported without permission which is not allowed per 15 US Code 1681s-2 ( A ) ( 1 ). Both Equifax and XXXX are not adhering to 15 USC 1681e which says " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' I also sent in required documents to identify myself and requested that my personal information be updated ; however, XXXX has 2 names and 13 addresses on file for me. Again, my name is : XXXX XXXX and my address is : XXXX XXXX XXXX XXXX XXXX, NY XXXX And per 12 CFR 1016.7 again, I am opting out of your reporting services.