23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, Last year I visited an XXXX XXXX XXXX to receive treatment for food poisoning. They collected samples, ran tests on XX/XX/XXXX, gave me the results, and I paid my bill with them directly. The name was XXXX XXXX in XXXX XXXX, XXXX. I received my results over email and no longer had any communication from them. 

Fast forwarding to now, XXXX of XXXX I just got a call from a Debt Collection Service ( Harris & Harris ) that I have an outstanding debt from XXXX XXXX XXXX for Lab testing? I never visited or received treatment at any XXXX facility at all last year, so I had no reason to believe any billing statements from them were legitimate. The billing statements were sent to an incorrect address so I never had a chance to address the issue. There was no attempt made to contact me through mail at my correct address or through email. 

Best regards, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX an account from TRANSWORLD SYSTEMS INC. appeared on my credit report. The account is reporting Im in debt in the amount of {$910.00} to them.

I have never done business with this company nor signed any legal document or made any agreements that I will make this or any payment for services provided by their company and therefore considered fraud on their behalf.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I am a victim of identity theft!! Please delete this items IMMEDIATELY!

This accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumzzer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed and any other account listed as a collection IMMEDIATELY!
Product: Mortgage

We overpaid Select Portfolio Servicing , Inc. ( " SPS '' ) {$1900.00} when we paid off the SPS mortgage loan with a refinance in XX/XX/XXXX ; however, SPS will not pay us back the overpaid funds. 

Although SPS mailed us a check ( # XXXX ) for {$1900.00} on XX/XX/XXXX, SPS issued the check in the wrong name ( so we were unable to cash the check ). Specifically, this check was written in the name of my husband 's parents ( who are deceased ) rather than in the name of our husband and Estate Trust that holds the subject home ( which was subject to the prior SPS mortgage loan that we paid off ). 

On several occasions ( we made at least 6 phone calls ) between XX/XX/XXXX and XX/XX/XXXX, to complain to customer service and their supervisors that the refund check ( from he closing process ) was issued in the wrong name. On each phone call representatives/supervisors said a new check would be mailed within two weeks and some said 60 days. Yet as of today, XX/XX/XXXX, we have never received a new check. 

Supervisors that we spoke to on XX/XX/XXXX and XX/XX/XXXX, told us they could not speak with us because we are not authorized on the loan. They asked us to submit certain records, which we did, such as documents proving our ownership of the property, e.g., Estate Trust agreement, Deeds showing my husband inherited the property, and death certificates for each of my in-laws ( the original borrowers on the loan ). This documentation was provided by us to SPS via Fax on XX/XX/XXXX and by email on XX/XX/XXXX. 

Because over 6 months has past and SPS has not returned our money despite numerous calls and providing all required documentation, we are seeking assistance from the CFPB so we can be paid back the money SPS owes us. 

( Please note the subject loan was originally underwritten with XXXX XXXX, which was acquired by XXXX and then the loan was acquired by XXXX XXXX who then transferred the loan to SPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX. Account number : XXXX - Account name : XXXX XXXX XXXX -Account number : XXXX. Account Name : XXXX XXXX XXXX. Account number : XXXX. Account Name XXXX XXXX XXXX. Account Name : XXXX. Account Name : XXXXXXXX XXXX XXXX XXXXXXXX. Account Number : XXXX. Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : 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. 15 U.S. C.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX Owed {$540.00} ; XXXX XXXX XXXXXXXX Balance Owed {$150.00} ; XXXX Balance Owed {$0.00} ; XXXX XXXX XXXX BalanceOwed {$110.00} ; XXXX XXXX XXXXXXXX Balance Owed {$380.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed {$690.00}.
Product: Credit reporting or other personal consumer reports

The following inquiries were made without my authorization. Please delete from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter disputing several accounts on XX/XX/XXXX and XX/XX/XXXX, just to receive a letter stating my disputes seems suspicious and aren't coming from me. Well who are they coming from?! These inaccurate accounts reporting on my credit report is causing it difficult to get any loans. I have tried to contact Experian buy mail and phone several times with no help! I'm a XXXX XXXX, who work long hours and different shifts, that doesn't have time to sit on the phone for long periods of time with Experian!
Product: Credit reporting or other personal consumer reports

I checked my report an discover a collection by Synergetic Communication for the amount of {$540.00}. i have no knowledge of this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Capital One has been insubordinate during the entire dispute process for case number : XXXX. They have provided misinformation multiple times during the process, lied about what was needed to inform the customer of the dispute and are allowing a vendor, XXXX, to get away with scamming a customer with fraudulent services. On XXXX XXXX, 2022, XXXX with dispute customer services was insubordinate in meeting customer requests to speak with a manager multiple times. He refused to explain the incorrect information provided in letters from Capital One explaining why everything had been done as requested by Capital One to prove the outcome of the case. He refused to close the account. 

The item was purchased on XX/XX/XXXX, and posted on the XXXX, 2022. This has all been discussed in less than 60 days.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$8500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX, XXXX Balance {$8400.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$6600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$1700.00} Open Date XX/XX/XXXX inquiries XXXX Date XX/XX/XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023
Product: Vehicle loan or lease

West Lake financial keeps calling me constantly about my XXXX loan but the XXXX they leased me had a twisted rear end and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had insurance on the vehicle. At that time they were surrendering the XXXX when it was current but they never kept up there deal instead they waited for My account to get behind and now are r Repossesing the XXXX and I now don't have a car or new Loan from them to get a car replaced because my credit is taking a bad dip. They won't take XXXX XXXX off the loan when i asked them to.
Product: Credit reporting or other personal consumer reports

I am having an issue getting my free annual credit and consumer report from XXXX XXXX and Early Warning Services. I want XXXX XXXX and Early Warning Services to mail me a copy of my free annual credit report. Full Name : XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX, Minnesota Drivers License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Product: Mortgage

On XX/XX/XXXX we received a letter from XXXX XXXX XXXX XXXX stating that the previous year 's taxes were delinquent and our title/deed would be sold if these remained unpaid. We thought this was a scam because we have always paid our mortgage on time and our taxes were paid through escrow. I called XXXX XXXX tax department directly first thing on XX/XX/XXXX, who proceeded to inform me that not only was the letter legit, but also that we owed XXXX & XXXX taxes. We were shocked. Immediately, I contacted XXXXXXXX XXXX. We were on the phone for over XXXX minutes explaining what we had been told by XXXX XXXX and trying to send them a copy of XXXX XXXX letter through a document transfer site that they use but continued to fail to upload ( according to the representative this was a common problem ). They gave me an XXXX of 30 days to resolve. When you are at risk of losing your home and have a young family and through no fault of your own, 30 days is simply not acceptable. I asked that this be escalated and made priority given the urgency and to please call me back same day with an update. No one called me so I called them in the afternoon again. I got passed around between escrow department, tax department, customer service/experience etc. No one wanted to take responsibility and everyone blamed each other. Over an hour of being on the phone, I insisted on speaking to a senior leader. It was then that they assigned me a Customer Support XXXX to handle my case. Upon investigation, XXXXXXXX XXXX realized that they made a critical error and omitted a parcel number since XXXX which has made the escrow analysis incorrect since. This mistake has resulted in XXXX XXXX XXXX of delinquent property taxes for XXXX & XXXX and a shortfall for XXXX resulting in an additional XXXX XXXX  a month to my mortgage payment ( excluding the XXXX XXXX  shortfall ). In additional to the financial impact, this has had added significant emotional stress and reputational/credit damage. We have always paid our mortgage on time and made all the payments as per our contractual obligations. However, XXXXXXXX XXXX has been negligent and failed its duty of care to us. If for not receiving the letter from XXXX XXXX XXXX Department, we would not have realized their oversight. XXXXXXXX XXXX is refusing to take responsibility for their negligence and lack of duty of care and just expecting us to pay XXXX years ' worth of property taxes to catch up, which resulted from their mistake, without taking accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies accessed my credit without my consent : These lenders have accessed your credit file : XXXX National Credit Card Cos. 
Inquiry date : XXXX XXXX, XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus on XX/XX/XXXX, XXXX XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX to make them aware of the inaccurate information being reported. I received dispute summaries saying the information was validated. I responded and asked their validation process no one wrote back. I sent them the receipts from the Tera program paid XXXX XXXX on XX/XX/XXXX before they went completely out of business.
Product: Credit reporting or other personal consumer reports

XXXX company and their contractor did not perform their services so I cancelled the contract. 
The home security system camera did not work. 
XXXX XXXX tried numerous times to correct the issue to no avail. 
XXXX XXXX, after 6 months, then turned the account over to their local branch XXXX XXXX XXXX XXXXXXXX XXXX XXXX I was unable to reach the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  phone system is an endless loop. 
I was on hold on three different occasions for over 2 hours trying to reach someone to no avail. 
I cancelled because their security system wouldn't work and I was unable to reach the company. 
I sent certified letter from my attorney stating I was cancelling the contract due to non-performance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX submitted a claim on my credit report and ruined my credit
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

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
Product: Money transfer, virtual currency, or money service

In early XXXX, A person used my bosses email to scam me for gift cards. Said it was for rewards and that he was in a meeting so I couldn't call. I just started a new job so didn't want to XXXX off the boss so did as he asked. I recognized his name as well so again just did what was asked. 

Went and bought {$2000.00} with a debit card into XXXX gift cards and sent him/her picture of the cards. 

Dad came home who is close friends with the boss and asked what I was doing. Told him and he called the boss and that's when we realized it was a scam. We called XXXX to Cancel all the gift cards as I have them physically. We gave them the long front digit code, the passcode on the back, the time and date purchased and the location. Even called TD bank to cancel the DEBIT CARD not my ACCOUNT because I didn't know if they could get my debit card as well. Was just scared of losing all my money.

Have had HOURS of conversations with XXXX and my bank ( TD ) on getting this resolved. 

XXXX did a full investigation and have in their records that this was fraud as it was misinformation for manipulation. You can call the XXXX verification payment number @ XXXX and give them the Customer Id # of XXXX. They have a record of every time I called. 

On XX/XX/XXXX XXXX completed their investigation and found fraud did occur as they saw where everything was being shipped and it was no where near me. They canceled all the gift cards and REISSUED my {$2000.00} dollars back to my OLD debit card. They issued what TD bank calls a " pending Refund '' that requires an authorization code. But since the card is canceled their Merching services or the " Visa Middleman '' is rejecting the refund instantly because the card is canceled.

This is where all these problems have been occurring.

Over the past 2months I've been calling and every time they push the problem on each other. TD bank says their hand are tied because its a pending refund and they never received a dime. XXXX is saying they sent {$2000.00} out and its out of their hands as well. 

I still have the original debit card that was canceled. I have the ORIGINAL bank account number as I never canceled that. I have all the gift cards, the receipts, everything. I just want to get my {$2000.00} back. I am getting close to getting a lawyer and just taking them to small claims court. This is near my last line of hope.
Product: Credit card

Since XXXX of last year, I have repeatedly sent My Social Security Card and Drivers License to Capital One. I provided these documents both before Capital One activated my credit card, which they accepted and activated my Capital One Credit Card, and after Capital One deactivated my Capital One Credit Card and online account without cause, as evidenced by the attachments to this complaint. However, Capital One has disregarded all of my efforts to comply with their requests after my Capital One Credit Card was deactivated by Capital One. 

In an attempt to resolve this matter, I emailed Capital One and Capital One executives XXXX XXXX ( XXXX ) and XXXX XXXX ( General Counsel ). Unfortunately, neither of them has responded appropriately. Instead, I have received responses that fail to address any of the issues raised in my email. In addition, correspondences were not signed and there was no contact information from individual and/or department where the letters came from. As of today, my card remains inactive. 

I have been unable unable to access my Capital One Online Account, and I am unsure why there is a balance on it since I made payments earlier this year, without a Capital One statement, following the deactivation of my credit card by Capital One. 

I request CFPB intervention for Capital One Credit Card re-activation and and ensure that Capital One refrains from imposing unwarranted charges on my account. This is particularly important considering I have been unable to access my online account and utilize the card since XXXX of last year.
Product: Credit card or prepaid card

Called the company and was told to report this fraudulent activity
Product: Student loan

On XX/XX/XXXX a check was sent from my XXXX education award to MOHELA for the amount of {$2000.00}. The check from XXXX was cashed and the funds were withdrawn from my americorps account but the payment was never applied to my MOHELA account. My loans have since been transferred to a new loan provider and MOHELA claims to only have some access to my account because of the transfer and them switching over to a new system. Over the past year I have called MOHELA maybe XXXX times to check in on the status of my complaint and provided them with a check trace provided by XXXX. They kept escalating my complaint but with no answers. The last time I spoke with them in XX/XX/XXXX, a supervisor informed me that checks are not sent to loan providers directly but that all checks go to the dept of education first and they suggested I contact the dept of treasury for them to request a payment through XXXX. When I contacted the dept of treasury they told me to contact the dept of education. Dept of education told me to contact federal student aid. Federal student aid said that MOHELA lied and that all payments that are sent in, go directly to the loan provider. They said they lied and I should get a lawyer and to submit a complaint on student aid.gov which I did about 6 months ago that never went anywhere and then the case was closed with no resolution or communication with me. Im not sure what else or where else I can go as none of the state depts are able to help and MOHELA is unwilling to look into this case further.