23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Americollect Inc. 
XXXX XXXX XXXX XXXX, WI XXXX Account Number : XXXX {$440.00} Account Number : XXXX {$55.00} Americollect Inc. Agent : This is notice to you that I am going to file suit against you for damages for repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq.

I received a credit alert from XXXX, XXXX, and XXXX that your company has flagged my accounts for collection. Exactly 2 ( two ) days from the date ; your Compliance Analyst apologized to my husband ( XXXX ) about this fraudulent account. Americollect Inc. has now fraudulently flagged my report. I do not now nor have I ever agreed to this contract! Proper documentation from Americollect Inc. was never provided for me to allow you to validate this alleged debt.

Amercollect Inc. has been proven to be a fraudulent 3rd party collection agency that violates its alleged clients patients H.I.P.P.A rights. ( see attachments ) *Provided proof of apology.

Any further contact in this alleged collection matter will be seen as an act of paper terrorism and mail fraud. You are not the HOLDER IN DUE COURSE and you have no standing in a U.S. Court.

You have 10 days from the date of this letter to remove this fraudulent account from my credit report and restore my scores or I will sue your company for a monetary amount in triple damages.

I urge you to take this extremely seriously as I have documented my case with witnesses and without error!

All further contact from you will be FULLY DOCUMENTED and added to the already existing evidence and made available as evidence in the Court action against you. 

Americollect has NOT responded and the accounts remain on my credit files.
Product: Mortgage

AAG changed loss payee on my homeowners insurance without notification. Cancelled mortgage application. Please help.
Product: Mortgage

WELLS FARGO did not respond to my complaints. WELLS FARGO has informed me ( by email ) that they are transferring my mortgage servicing to XXXX Mortgage XXXX XXXX where they will close any communication with me regarding : WELLS FARGO owes me my portion of the {$3.00} XXXX Fine they owe me ; WELLS FARGO failured to tell me the name and address of the Law Firm handling the XXXX XXXX Fine ; WELLS FARGO failure to communicate why they held my mortgage in foreclosure for 14 years claiming my mortgage was merely XXXX XXXX months late ; WELLS FARGO failed to apply my mortage payments to my mortgage XXXX WELLS FARGO cashed my mortgage payments after they XXXX Wells fargo ) before they notified me of the Foreclosure. 
WELLS FARGO failure to communicate with IN-HAF and be truthful that they ( WELLS FARGO XXXX XXXX my mortgage in Foreclosure for 14 years! 
I want a satisfactory answer as to how WELLS FARGO is not held accountable. 
I want a satisfactory answer as to how WELLS FARGO 's XXXX XXXX directed ME to telephone IN-HAF, " and ask them yourself! '' WELLS FARGO did not respond to XXXX WELLS FARGO did not respond to XXXX WELLS FARGO did not respond to XXXX WELLS FARGO did not respond to XXXX WELLS FARGO did not respond to XXXX WELLS FARGO did not respond to XXXX I want a satisfactory answer and my portion of the {$3.00} XXXX Fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX months ago, I noticed that the name " XXXX XXXX '' was being reported on my XXXX XXXX account by TransUnion. I took the initiative to request the removal of this name, and they successfully removed it. However, in XXXX, I faced a denial for a bank account due to XXXX. Upon obtaining my report, I was surprised to find that the name " XXXX XXXX '' is still being reported, either by TransUnion or XXXX XXXX, or both. This misinformation is not only inaccurate but also illegal, as it's negatively affecting my financial opportunities.
Product: Debt or credit management

Hello, my name is XXXX XXXX, and I have paid Lexington law before, for credit repair. However, Im reaching out because I did not receive a check in the mail as I know they are some being issued out to people. My current address is. XXXX XXXX XXXX XXXX Texas XXXX apt XXXX. Please feel free to contact me if you have any questions at XXXX. Email address is XXXX XXXX
Product: Debt collection

During XXXX, I was living in an apartment, signed the contract with the leasing office using XXXX XXXX. The leasing office subscribed a sport channel which was free for the first year, and the second year, if the subscription was not cancelled, XXXX would charge for that channel. I never paid TV bill directly to XXXX, was always through the leasing office, and every month the amount was the same. In XXXX, the leasing office didn't cancel that sport channel, and XXXX charged my account, but leasing office still collected the same amount as last year. The leasing office never notified me about the extra charge until I saw my account had a balance, and it was too late to dispute with XXXX. The accumulated amount was {$160.00}. 

Credence Resource Management LLC keeps calling me about this debt, they call many times per week, day and night.
Product: Debt collection

I have an account through Conn 's Home Plus. Over the past 8 months they have done the following.

1. Contacted me outside of federal regulated call hours ( ex XXXX XXXX sunday morning ) 2. There contact methods are loading a number on the dialer system once an hour every hour regardless of contact.

3. I have made payments and have been called back an hour later for solicitation of another payment 4. I have filed multiple complaints from there third party company all the way to the corporate office in XXXX XXXX with no resolve. 
5. They offer extensions to be be brought current but require a payment that is more the the 30 day amount of interest 6. They have modified and extended my contract multiple times over the last year without my authorization The past two days of call history are XX/XX/2020 XXXX XXXX XXXX 1. XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX   4.XXXX XXXX  5. XXXX XXXX  6. XXXX XX/XX/2020 XXXX XXXX XXXX 1. XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX  4. XXXX XXXX  5. XXXX XXXX  6. XXXX XXXX  7. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX  account XXXX XXXX, XXXXXXXX XXXX account 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Recently, the bank changed their rules regarding the transfer of funds from a trust or representative payee account to personal accounts. I understand the reasoning behind this however, in my case, I am the representative payee, appointed by Social Security, for my son XXXX. Each month I transfer funds from the savings payee account to my personal checking account to pay for his expenses. Note : I am also a court appointed legal guardian. Due to the changes stated above, each month I have difficulties in transferring these funds by phone. Although, I am accommodated, it is extremely annoying and time consuming. I can not transfer funds at a branch because all branches in XXXX XXXX have been closed. Various options, such as using a debit card or go to a branch in another borough are not feasible. 
However, I do have a question. In addition to being the representative payee for XXXX I also maintain a checking supplemental trust account for his benefit. Since both accounts are for his benefit why cant I transfer the funds from the payee account to the trust account. 
All legal documentation is on file.
Product: Credit card or prepaid card

My application was denied Due to Excessive obligations in relation to income, I tried calling kohls credit Department to explain to them about my income but, they stated that they got my income and my credit obligations from XXXX. I call XXXX credit bureau and they stated that XXXX never includes annual income in credit report. My credit cards, car payments, mortgage payment and other loans does not even reach 50 % of my income.. they can add up all my payments together and then subtract from my {$7900.00} monthly paycheck and see if I qualify or not? ( annual income is over XXXX per year after Tax ) of course I can provide prove of income either with my Tax return or check stub. 
so I want to know how they got to this conclusion? 
Is this some kind of erroneous, or none-sense excuse to turn down my application? I need an explanation instead of passing me to XXXX   which has nothing to do with My income.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Please investigate if every piece of information is correct. If not, please remove it from my credit report
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT SYSTEM Account number : XXXX Date opened : XX/XX/year> Account type : Collection The XXXX is a fraud. This lady XXXX XXXX XXXX signed me up for a loan without my permission! Not too say she lied on my account when it was time for me to move out the unit. I had an housing voucher from XXXX XXXX XXXX, which clearly states I have to provide a XXXX day notice. I did not bring no bed bugs or leave none when I moved out the unit. 
XXXX XXXX XXXX do inspections. This rental property was doing inspections too regularly. I passed every inspection with no problems. when I moved into the unit there was an exterminator that kept coming to spray my unit and the building. I asked what's going on? Later on I found out there was a bed bug infestation. I did not leave no furniture at the dumpster. wrong tenant. On the day I moved out which was XX/XX/year>, the neighbor from XXXX .Upstairs came over with her boyfriend took furniture out of my unit! The mini XXXX was damaged from previous tenant before me! I was going to renew my least. I decided not too because the neighbor at XXXX XXXX, XXXX was disturbing my peace. Smoke coming up through my vents. Beating on the ceiling every time I walked in my apartment. I called the cops many nights on this neighbor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear XXXX, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within XXXX days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Capitol One about reversing a membership fee the woman said the only way to do it would be to change to a no fee card I said fine she transferred me I chose my no fee card and told her about reversing the fee she said she couldn't I asked for a manager he said he couldn't I explained to him that I was lied to he said he couldn't do anything I told him I wanted to close the account since this is unprofessional for any company to lie to customers.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and XXXX XXXX
Product: Mortgage

I refinanced with XXXX and their parent company Golden Empire Mortgage. It was made clear to me there would be no points. Later, they added thousands of dollars in points buried in the documentation.They did n't contact me by letter, email or phone. I 'm not a professional so it slipped past me especially since I was told there would be no points. The added fees were hard for someone like me to spot or even look for as a result. I consider this bad business practice and a dishonest way to handle the process. I would like they way it was handled investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to purchase vehicle, credit report showed freeze/fraud alert. Did not place this on my personal file. Contacted Equifax the first time in XXXX. Was told to send copies of State Issued ID, utility bill and last 4 of social security number. Unable to verify security questions as well because information is obviously incorrect. Since that time we have faxed requested information to Equifax Dispute Department 7 times, most recentlyXX/XX/2019. It wasn't until fax number 4 we were told we must send an actual copy of Social Security Card. The previous four faxes can not be located by Equifax, yet they requested a copy of SSN be sent. It has been faxed to them 3 times. I have spoken to CSRs, Resolution Managers and to NO avail. I have names and badge # s of all spoken to. Calls lasting from 1 hour to 2 hours each time Equifax is contacted with NO resolution and my information faxed still not being found! Spoke with Manager on XX/XX/19 who assured the security of my SS card being received by their company and would be processed in 2-3 business days. She requested we call back on XX/XX/19 for update and status. As of XX/XX/19 they STILL have NOT received my faxed SS card! It's floating around somewhere! My ID and utility bill have been uploaded along with the last 4 of social, but NO CARD found. This is unprofessional at best, unexcusable and irritating! It is also quite difficult to speak with their agents who all have very thick foreign accents and read their information off of laminated copies back to you! I NEED HELP! Any information of who I spoke with and when, faxed info, etc. can be uploaded and sent if necessary!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I know nothing about, never done or used. Do not belong to me XXXX. DATE XXXX XXXX XXXX. DATE XXXX XXXX & XXXX. DATE XXXX XXXX XXXX. DATE XXXX XXXX XXXX. DATE XXXX XXXX XXXX XXXX XXXX XXXX. DATE XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX loan was paid in full and late payments was not removed. 
other accounts information was leaked on the dark web
Product: Debt collection

I am working with a Debt resolution company called XXXX XXXX and on XX/XX/XXXX LVNV Funding agreed to a settlement offer of {$480.00} the original amount owed was {$1000.00}. This agreement was put into place before anything ever went into collections. On XX/XX/XXXX LNVN Funding put my account as collections when I have already been paying on this amount since XX/XX/XXXX of XXXX. I called LVNV funding to let them know they had already agreed to a settlement offer and they said it does not matter and that the collection would remain on there. I also disputed this with XXXX and it just came back verified and updated. I would like this removed off of my credit report since this debt was already resolved and being payed on before anything ever went into collections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX used my credit improperly violating 15 U.S.C 1681 they never got my permission to publish incorrect information to my credit report
Product: Student loan

Provided with misleading and mixed information on the rate reduction program and my eligibility. When trying to reapply I 'm told I 'm just not eligible without reasoning provided. I was repeatedly transferred between different customer service agents who could n't answer my questions so they would transfer me to another representative on the same level. I was then told by a supervisor that I have to become delinquent on my account and accrue late fees and interest before I would become eligible again.
Product: Vehicle loan or lease

On XX/XX/XXXX I sold my XXXX XXXX XXXX XXXX sport double cab to Carvana, the representative showed up to my home at approximately XXXX and looked over my vehicle and verified the miles and presented me with the purchase documents to sign, which I signed and Carvana completed my electronic Equity payment MINUS the amount owed on my current loan to XXXX  XXXX XXXX. They had a person from Carvana come at XXXX and pickup my vehicle and take it to there holding lot in XXXX , AZ . I was told my loan balance would be paid off within approximately 5days. On XX/XX/XXXX I was verifying with XXXX  XXXX if my loan had been paid off and it WAS NOT so I contacted Carvana on XX/XX/XXXX to see why payment hadnt been made. I was informed by the representative with Carvana that they had no clue what I was talking about and that they didnt know they had my vehicle, I explained that they wouldnt have paid me if you didnt have my car and that I had a signed purchase agreement when they picked up my truck on XX/XX/XXXX. After looking further they found they had my vehicle but showed the representative that came to my home and finalized the sale CANCELLED the purchase by accident. Carvana requested a statement from my current lender on XX/XX/XXXX ( XXXX  XXXX ) showing the next payment due date on my loan, which I sent to XXXX XXXX with Carvana on XX/XX/XXXX and claimed the payoff to my current lender would be paid/posted within 2 days, as of XX/XX/XXXX My loan still isn't paid off and I am getting correspondence from Carvana Only stating they want to purchase my Truck and schedule pickup for my vehicle which they already have in there possession since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the attempt to fix my credit. I have had items removed and I also had items added to increase my score. I'm filling this dispute with you. Because my score is not being updated properly by the following bureaus XXXX and XXXX. I have made arrangements for student loans to be removed from my credit and they are removed on one bureaus and not the others. I have also added lines of credit to my credit and again there only reporting on XXXX bureau not the others. I have reached out to each individual bureau and they all have not been able to give me and answer for what's going on. On Equifax it shows all of the credit lines I have added to my credit. But it doesn't show the removal of the student loan and the other to site that don't show the lines I added but they show the removal of the student loans. I am very frustrated because I have put a lot of time and effort into trying to repair my credit and it seems to no avail. Can you please help me resolve this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX Bank. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher
's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX Bank I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.