23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchased a cell phone contract with XXXX XXXX XXXX and a new device. When I brought it home, after being told that XXXX XXXX XXXX provided service to my area, the device never was able to connect to the network and was unusable. I took it to the store, XXXX XXXX, and they assured me nothing was wrong with the device. I contacted XXXX XXXX XXXX  and they admitted that they did not cover my area and that I could pay additional money to purchase a repeater, that would be shared by other users on the XXXX XXXX XXXX network ... What? I was also not able to use the Wi-Fi calling feature that came with the device because XXXX XXXX XXXX had disabled the feature on my particular device. Due to XXXX XXXX XXXX coverage maps being false, the XXXX XXXX XXXX representative misrepresenting the service, and the carrier disabling features on my device that would have allowed it to function properly, I returned the device to the store within 30-days to exercise the money-back guarantee that was offered. After paying a restocking fee at the store and cancelling my service ( which I was not able to use ) I still received a bill in the mail for service I was never provided. I was told afterwards that " Oops it looks like the guarantee you were attempting to use was for online orders only. '' Though this was not explicitly stated in the Terms of Service at the time of my purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an email requesting MIB to freeze my credit report.

MIB then responded saying this was not possible since they are not a credit report company.

This is false and obvious deceptive practices. I simply want them to make my information inaccessible by their system where a 3rd party company can not use my information without my consent.
Product: Credit reporting or other personal consumer reports

Subject : Validation Letter Regarding Removal of Late Payments from Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> XXXX Transunion XXXX Dear Sir/Madam, I am writing to dispute the late payment entries on my credit report. I have recently reviewed my credit report and have identified several late payments that are inaccurately listed on my account. These late payments are negatively impacting my credit score and do not accurately reflect my credit history.

I am requesting that these late payment entries be thoroughly investigated and removed from my credit report as they are not a true reflection of my payment history. I have always been diligent in making my payments on time, and these late payments are erroneous and damaging to my creditworthiness. Ive never been late I kindly request that you conduct a thorough investigation into these inaccuracies and provide me with a written explanation of the results. I believe that once the inaccuracies are rectified, my credit report will more accurately reflect my credit history and financial responsibility. 

Please provide me with information on the steps being taken to investigate this matter and the timeline for resolving this dispute. I am looking forward to a prompt resolution to this issue and the removal of the inaccurate late payments from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights Reserved w/o Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to you today to request that the Credit Bureaus remove the following items completely from my Credit report. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I have been sending letters requesting for the update of the disputed accounts and yet they have done nothing, I have reached the peak of my patience and I am now urging the Credit Bureaus to remove the disputed acounts completely from my Credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting or other personal consumer reports

Re : FCRA Violation - Incorrectly Reporting as Deceased I am writing to formally demand compensation for the damages I have suffered as a result of Equifax Information Services LLC 's violation of the Fair Credit Reporting Act ( FCRA ). Equifax has erroneously reported me as deceased on my credit report, causing significant harm to my financial standing and personal well-being. 

( I discovered this inaccuracy on [ XX/XX/year> ], when I obtained a copy of my credit report and noticed the erroneous " deceased '' status. As you are aware, the FCRA requires credit reporting agencies to maintain accurate information, and this blatant inaccuracy constitutes a clear violation of 15 U.S.C. 1681e ( b ).

The FCRA also mandates that upon being notified of an error, a credit reporting agency must conduct a reasonable investigation. Despite my attempts to rectify this issue through your dispute resolution process over the phone, the inaccurate information has not been corrected in a timely manner, further exacerbating the harm done to me ).

As a result of Equifax 's failure to maintain accurate information, I have experienced the following damages : 1. **Emotional Distress : ** The distress and anxiety caused by being reported as deceased have had a profound negative impact on my mental health.

2. **Credit Denial : ** I have been denied credit and faced significant financial inconvenience due to this erroneous report.

3. **Financial Loss : ** The inability to access credit has led to additional financial losses, including higher interest rates and missed opportunities.

Under the FCRA, I am entitled to compensation for these damages. I am seeking a payment of {$1000.00} to cover the emotional distress, financial losses, and any other applicable damages as a result of this violation.

I expect a written response to this letter within 30 days, acknowledging your receipt of this demand and outlining your intended course of action. If I do not receive a satisfactory response within this time frame, I will pursue all available legal remedies to enforce my rights under the FCRA.

Please send your response to the address listed on my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against American Express regarding an inaccurate credit card debt of {$2800.00} on my credit report. I have disputed this XXXX times, yet American Express continues to verify the account without providing proper validation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and unverifiable.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX statement generated for the amount of {$200.00} due XX/XX/XXXX. I made a {$500.00} debit card payment on XX/XX/XXXX. I checked my Experian credit report on XX/XX/XXXX and noticed XXXX credit card monthly status reflected " late ''. I spoke with a XXXX representative that day and the conversation goes as followed : Myself : " why is the company falsifying that I was late 30-days for the month of XXXX if in fact I made my payment 6-days past the due date not 30. '' ( In addition, made another payment of {$75.00} XX/XX/XXXX. ) Representative : " our billing cycle generates on the XXXX of each month and is automatically reported to the bureau. Since you made a payment of {$500.00} you don't have to make a payment for XXXX. '' Myself : " come XXXX once the billing cycle generates again then the month of XXXX and XXXX should reflect as paid and in good standing. '' Representative : " yes. '' This incident did not sit well with me so I contacted my financial advisor and she recommended me to this site to file a complaint. I am in the process of trying to purchase my first home and this particular incident is impacting my credit score and can potentially hinder me from being approved for a mortgage loan. 

Thank you for your time, patience, and effort
Product: Debt collection

Follow up to last complain XXXX, XXXX, XXXX. 
This is a follow up to complains mention above. 
The same people that I complain about in my complains above. I was ready to get in my car when a gray sedan ( license plate XXXX or XXXX ) speed up and park beside me. It was a intimidation tactics because that was in between to 2 handicap parking and the car didnt had a permit. 
The intimidation tactics are getting me very afraid I know is midland collections. I am reaching to the police. 
The intimidation tactics are not going stop so I am filing a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau posted Non verified statement of public records even though they claimed they did verify. 

When I followed up with the court records clerk, to understand how this was possible, they informed me they could not confirm or deny anything on public records. 

So if the clerk of the court can not verify, then that means that the credit bureau verification process did NOT occur contrary to their statement that they certified it was correct. They lied. 

My understanding is that any other third parties are involved to verify or certify information, by law they need to get my explicit permission. No one has contacted me to get my authorization in regard to my information property which also indicated no verification or certification was done, or was even possible.
Product: Debt collection

I have tried to fix the situation with this company multiple times with preferred lease. I have already paid the debt in floating rate notes and the company is still trying to charge me. The company has already discharged the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter. I am now demanding Preferred Lease to properly remit 1099c so that I can properly file my taxes. I am demanding that preferred lease send me a copy of the 1099c b for the debtor documentation that preferred lease has already transferred over to the treasury. Also i am demanding that preferred Lease contact all 3 consumer reporting agencies and update the status of the consumer report to paid as agreed and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX  ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out so serval months ; I have sent letters to the credit bureaus to remove these XXXX addresses and the different inquiries from my credit report, but it still needs to be done. The XXXX addresses that require immediate removal from my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX The inquiries that need to be removed from my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Amerisave 's response to CFPB # XXXX doesn't resolve the issues as I described. 

It appears no one took the time to pull the closing documents or reconciled the escrow account against the projections mailed last summer as the starting balances don't correlate to any any online amounts. Their response tells me, I do not have a property tax escrow established even though the legal documents they created for closing advise something different.

Amerisave is acting in a deceptive manner for two reasons : ( 1 ) I was advised I would receive a credit at closing during the processing phase due to continual delays for my home closing and being asked for unnecessary documents. If the aggregated adjustment is a federal calculation, then where is my service credit for the gaps during the acquisition/processing of the loan? ( 2 ) As previously stated, it appears no one is looking at the closing documents to validate the information I am providing nor has someone validated the CD and the on-boarding of the loan was accurate as my closing disclosure clearly reflects my escrow includes property taxes and homeowners insurance ( CD provides a monthly escrow amount of {$610.00} ). It specifically lists a 6-mo requirement of {$2700.00} ( 6* {$460.00} ) and 3-months of HOI {$450.00} ( XXXX ) = {$3200.00} - aggregated adjustment {$1300.00} = {$1800.00} ( this exceeds my annual HOI amount ). 

Had someone on-boarded my loan accurately, the amount of the initial escrow would have been {$1800.00} and not {$440.00} ( as this is what occurred ). Had someone conducted the due diligence to validate the loan was on-boarded accurately, this error would have been caught inXX/XX/XXXX. It appear Amerisave may not have controls in place to mitigate this risk. Due to the continued failure of taking ownership of their commitments and fulfilling their role in good faith, their errors are causing consumer harm as I am now financially impacted. After talking to several people and not getting an appropriate response, I began sending additional escrow funds each month to bridge their initial & continuous errors to ensure funds are available to pay my XXXX property taxes. My taxes would have been delinquent on Tuesday, XX/XX/XXXX, as Amerisave failed to complete their responsibility as defined in the closing disclosure that was signed in early XXXX. I used a credit card to pay my XXXX property taxes as Amerisave has my money that should be used to pay it. As of today, my escrow balance is {$7800.00}. This is more than 4 times the amount required for my HOI. I would not have made these additional payments into my escrow had I known Amerisave was not going to pay my property taxes.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I purchased a Western Union money order on XX/XX/2020 at our local grocery store for the amount of {$310.00}. I was using this money to pay my taxes. The next day as I was filling out the money order I made a mistake in the pay to order line and scratched thru it. I read online that the money order is no longer acceptable for payment since I have made an alteration or mistake on the money order. I looked up Western Union on the internet and tried to contact customer service. All I received was a recorded message with instructions I could barely understand since I am XXXX XXXX. There is no one to talk to at this number. Again after doing some research I found an email address to their customer service department explaining my situation. I have sent several emails requesting information on what to do and any forms that I need to fill out in order to get a refund or replacement money order. This has been going on for several weeks now and was even notified that a letter had been mailed out on XX/XX/2020. I have not received the letter or any other correspondence from them. I sent them an email today that I was going to seek other assistance with this issue. I have all my email correspondence in my gmail account. If you would like to see these emails then please send me your email address and I will send them to you. I can't understand why a company of this magnitude has such a customer service department that is so unresponsive. I appreciate all of your assistance in this issue. 

Thank You
Product: Debt collection

I was looking for a female physician and got an appointment with Dr. XXXX XXXX at XXXX XXXX on XXXX XXXX, 2019. While making the appointment on phone I had asked for her rates. I was informed that the very first, initial visit will be {$260.00}. It will be just a meet-and-greet type event, but NO treatment. Doctor and I will talk and discuss my health, build a relationship/rapport, and then, based on our discussion, the doctor will suggest future treatments and office visits. However, after my visit, they billed me {$390.00} instead of {$260.00}. I spoke with their billing department ( XXXX ) a few times, but no help. They would tell me that the doctor 's office has billed this and they can't do anything. ( The billing department is in a different state, making it inaccessible to patients. Almost impossible to meet a human in person to resolve the matter. Looks like they intentionally wear out a patient into financial " submission. '' ) I also visited the doctor 's office a couple of times, the billing manager there informed me that my " initial meeting '' went over their allotted 15-20 minutes and that's why they billed me {$390.00} instead of {$260.00}. NOBODY ever told me that the " initial visit '' had a time limit. In any event, the doctor herself talked a lot about her immigrant life and her health, without informing me that her talk would extend the time period and I would have to pay for it. Furthermore, it is reasonable for a patient to think that the " initial visit '' WITHOUT any diagnosis would be charged at the flat rate of {$260.00}, and NOT at an unknown random rate based on time count. If my visit had been over in 5 minutes, would they have charged me less than {$260.00}? Of course, not. I have read online that many patients have faced exaggerated bills from this service provider through its parent company -- XXXX XXXX XXXX in XXXX, NC. I tried to resolve this on my own, but now I have received a notice from a collection agency that they have sent this bill for collection. If they had charged me the agreed amount of {$260.00}, then {$300.00} paid by my insurance would result in a credit of {$40.00}. In other words, I would NOT owe anything and would not have to face collection harassment. Their approach to promise something on phone and then bill something else ( while keeping the patient in dark or uninformed ) is a classic example of luring a patient ( kind of entrapment ) by offering a low rate on phone ( without any detail or warnings ) and then giving a sticker shock later. Very shrewd way of fleecing a patient. This is clearly a deceptive and unfair trade practice. Many patients like me would have suffered financially and emotionally by such a cunning way of doing business. Hope CFPB office will look into this nefarious practice. Thanks for all your help.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX