23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a service agreement with XXXX XXXX XXXX for several years and suddenly my service stopped working. I called XXXX XXXX XXXX customer support to assist me in fixing the issues but nothing was ever done for months to follow. When I finally did reach someone in customer support they told me I needed to purchase an extra booster to solve the issues with my phones. This unit cost {$300.00}. I refused to purchase the booster due to the fact that my service agreement stated that if the phones were not working, they would fix any issues that needed fixed. Since I never got any of the issues resolved, I took the phones back and was forced to cancel my services with XXXX XXXX XXXX. Consequently, XXXX XXXX XXXX sent me to collections with Sunrise Credit Services , Inc., for the sum of {$2600.00} for early termination fees. ( Please see attached bill dated XX/XX/2019. ) This incorrect reporting is harming my credit scores. ( Please see attached credit report. ) Ive tried to resolve this issue directly with XXXX XXXX XXXX with no success and also with Sunrise Credit Services , Inc . 

Below is the first paragraph of the Service Agreement XXXX XXXX XXXX wherein in clearly states that Most customer concerns can be resolved quickly and to the customer 's satisfaction by calling our customer service department at XXXX. 

My issues were NOT resolved and I was forced to return the phones and cancel my service agreement. It was not my fault that I was sold faulty equipment and I was not notified up front that I would have to purchase a booster unit to upgrade my phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using the annual credit report website, I attempted to obtain my report from Experian and XXXX. XXXX was successful, but when I got to the other two, they asked 4 questions to verify my identity. None of the questions applied to me at all and I answered them " none of the above ''. They then said they ca n't verify my identity and I ca n't get my report. This has happened twice in a row with both of these companies. None of the identifying questions apply, yet they say they ca n't verify my identity and I must mail in a bunch of stuff. If XXXX can ask me correct questions, so can they. I 've spoken to many people who have had the same problem. It asks about a car loan and how much my payment is, a credit card I allegedly have, and a mortgage. I have NONE of the above, yet it asks me those things, then shuts me down. I feel they do this on purpose in order to get around giving the free credit report online. It 's an ongoing issue and I 'd like my credit report from these agencies without the hassle of having to answer questions that do not apply to me.
Product: Credit card

Unauthorized account opened using my information. 

XXXX- Account # : XXXX Date Opened : XX/XX/XXXX Credit amount : {$2300.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX & XX/XX/XXXX Credit amount : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Charge for XX/XX/year> To Whom It May Concern, I am writing to formally dispute the late payment charge applied to my XXXXXXXX XXXX XXXX  account for the billing period of XX/XX/year>. Pursuant to 15 U.S.C. 1666b, which governs the timely crediting of payments, I believe the late fee was assessed in error. 

Federal law requires that payments be credited to an account on the date they are received, provided they meet the creditors reasonable payment requirements. My payment for XX/XX/year> was submitted in compliance with these requirements and should have been credited promptly. Below are the details supporting my claim : XXXXPayment Submission : I made my payment on XX/XX/year>, which was prior to the due date of [ XX/XX/year> ]. Enclosed with this letter is documentation of the payment, including [ proof of payment, such as a bank statement, payment confirmation email, or screenshot from your online banking system ]. 
XXXXTimely Crediting Requirement : Under 15 U.S.C. 1666b, creditors are obligated to promptly credit payments received on time. If there was a delay in processing my payment, that is XXXX  responsibility, and I can not be penalized for it. 
XXXXCompliance with Reasonable Requirements : I followed all reasonable payment instructions provided by XXXX, including [ examples, such as mailing the payment to the correct address or using the designated online payment system ]. If there were any unclear or unreasonable requirements that delayed the crediting of my payment, this also falls outside the scope of what can legally result in a late fee. 

Given that my payment was made on time and complied with all reasonable requirements, I respectfully request that the late fee and any associated interest charges for XX/XX/year> be removed from my account. 

If you disagree with my position, I ask that you provide documentation showing either ( a ) that my payment was received after the due date, or ( b ) that I failed to comply with reasonable payment instructions. Absent such evidence, I trust you will resolve this matter promptly in my favor. 

Thank you for your attention to this matter. I look forward to your response. 
Respectfully XXXX XXXX XXXX without prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 


Account : XXXX Account # XXXX 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 1681c. ( 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 card or prepaid card

I had a late auto pay payment in 2017 on my Bank of America credit card that I rectified and paid out of my Bank of America checking account immediately when I noticed the automatic payment did not go through. This incident is still showing up on my credit report and negatively affecting it. This late payment was made back in 2017.
Product: Credit reporting or other personal consumer reports

I received a letter from New American Funding regarding refinancing FHA streamline for a reduce interest rate XXXX XX/XX/XXXX I contacted New American Funding and spoke with XXXX XXXX about the letter I received, he explained the FHA streamline program and said he did not have to pull my credit, he said he will run the numbers and get back to me by end of day. There was not a follow-up call from XXXX XXXX XXXX XX/XX/XXXX hours later I received a call from XXXX XXXX stating that he would provide some feedback by end of day, there was no follow-up call. On XX/XX/XXXX, I received notification from XXXX and XXXX XXXX  that New American pulled my credit, completely not authorized by me. On XX/XX/XXXXXXXX  I contacted New American Funding to file a compliant about XXXX XXXX, the representative asked that I contact XXXX XXXX 's supervisor XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX he never returned my calls. On XX/XX/XXXX I spoke with XXXX from the corporate office to file a complaint, I told XXXX XXXX XXXX was not authorized to pull my credit because he said it was needed to run the numbers. I also asked XXXX to pulling the phone recording as confirmation, I have not heard from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I contacted Equifax about the following fraudulent account XXXXXXXX XXXX  XXXX ( Date Opened : XX/XX/2014, Balance : {$2100.00} ) and to this day they have not responded to my dispute as they are required by the Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute in regards to a fraudulent account from XXXX XXXX XXXX  I found on my credit report. When I identified the error, I went to my local police department filled a police report and was instructed to also file a report on Identity theft.gov. I filled the report on Identity theft.gov website and sent copies of those documents to experian. I opened a dispute on XX/XX/XXXX as well and within 45 days all fraudulent accounts were deleted. To my surprise on XX/XX/XXXX of this year my dispute results were updated online without written notice and the fraudulent XXXX XXXX account was now displayed on my experian report. Not included in other two major reports who were also notified of the fraudulent account. I can no longer dispute this item on line and have zero help from customer service. I was under the belief that the creditor and reporting agency had 30 days to determine the validity and respond to the dispute not 6 months. I would like this negative item removed from my account.
Product: Debt collection

I purchased furniture from Conn 's in 2014 with the agreement that it will be interest free if paid within 12 months. I paid the furniture off within 12 months and provided proof that I have homeowners insurance, therefore not required to have their insurance. I started receiving calls in XXXX stating that I have a past due amount, however they would not tell me what it was on. I have XXXX other accounts with them that are current. I was finally able to get a collector to say it was on the furniture purchases in 2014. I explained that it was paid off a year ago. Finally figured out that they were charging me for insurance and interest on the insurance. I submitted my insurance information twice more. They finally processed it on XXXX XXXX and said it had been credited back to my account. Yet I continue to get several phone calls daily. They continue to claim I owe money. I was told 2 weeks ago that they requested that account be closed. I am still getting calls and was just told today to resubmit my insurance information. I received a letter from their insurance Dept early this month verifying they credited the cost of insurance back to my account.
Product: Credit card

On or about XXXXXXXX XXXX XXXX, a so-called merchant using the name " XXXX XXXX '' placed a {$97.00} charge on my Chase credit card. I immediately questioned the charge on XXXX. The so-called merchant supplied Chase with barely legible emails from a person with a different name, address, and email address than mine. Chase somehow decided that is was appropriate to rebill me for the amount. I called Chase, and was told to fax and upload a document to re-disupte the amount. In the XXXX weeks since that time period, Chase has failed to remove the incorrect amount.
Product: Mortgage

as per your website https : //www.consumerfinance.gov/ask-cfpb/what-information-do-i-have-to-provide-a-lender-in-order-to-receive-a-loan-estimate-en-1987/ Loan officers are required to provide you with a Loan Estimate once you have provided : your name, your income, your Social Security number ( so the lender can pull a credit report ), the property address, an estimate of the value of the property, and the desired loan amount. 
Your loan officer can not require you to provide documents verifying this information before providing you with a Loan Estimate. >>> I contacted quicken loan to get a rate for my refinance and they had me fill up an online application which took over 15mins to fill that included all the above information. earlier today the following gentleman called and proceed to ask me questions that should not be asked and as per your website and my dealing with other lenders is not required to get a preliminary rate quote and approximate closing costs estimate. 

XXXX XXXX XXXX Mortgage Banker Toll Free : ( XXXX ) XXXX x XXXX Fax : ( XXXX ) XXXX NMLS # XXXX XXXX refused to provide me the rate estimate in spite of me providing them all the legally required information indicating he had to go through a detailed questionnaire before giving me a rate estimate. Question he was asking included. 

1. are you married. 
2. How long have you been married. etc As this was me looking around for rates from various lender. I found this over information seeking excessive for a preliminary rate estimate and i terminated the conversation. I find this practice highly unethical and a huge waste of my time. 

As a current victim of identity theft i do not want to provide any more information than that is legally necessary.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa, XXXX XXXX You are in direct violation of fair credit reporting act. Credit collection services XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that 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.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act
Product: Debt collection

I switched insurance companies in XXXX from XXXX to XXXX. I had an outstanding balance due and received a final bill from XXXX in early XXXX. I sent a payment of {$5000.00} to them on XXXX XXXX and was going to pay them {$50.00} every 2 weeks until the debt was paid. I received a call today from Caine & Weiner a debt collector as XXXX turned my account over to a collection agency after they accepted my partial payment. I have a bankruptcy on my credit report and we are trying to buy a house this summer. We were told by our mortgage banker that we can not have any late payments or collections on our credit. I tried calling progressive today and they said I have to refer all my communications to the collection agency. They say that the final payment letter went out to me on XXXX/XXXX/2016 and they do not accept partial payments however they gladly accepted mine. What can I do now?
Product: Debt collection

Citi has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

This is supporting information just received to support my dispute of Springleaf Financial 's response to complaint Case # XXXX. 
Springleaf stated that they spoke to XXXX Mortgage about my loan and I was in foreclosure status ( which I was NOT ) : Please see paragraphs XXXX and XXXX on letter from XXXX XXXX that say their records do not indicate that I authorized any third parties to receive information for my loan ( paragraph XXXX ) and XXXX 's records do not indicate that they released any information to Springleaf before or after XXXX received payoff funds on XXXX XXXX, 2012. They ( XXXX ) goes on to state that the payoff funds were received in the form of a bank wire sent to XXXX by Springleaf " on my behalf '' ( Paragraph XXXX ) Also, the Payoff Letter cover letter ( from XXXX XXXX of XXXX ) shows that the payoff letter was faxed to my attention, but FAXED TO SPRINGLEAF 's FAX NUMBER. 
This supporting information should refute the statements made by Springleaf in their response to my complaint and show that my complaint is indeed valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. This company is showing 2 separate accounts on my consumer report I have attached documentation that I have sent to this company concerning this matter.
Product: Checking or savings account

I CURRENTLY had a week notice to relocate, on XX/XX/XXXX, I had to move XXXX miles south of where I was living. On XX/XX/XXXX I XXXX search the phone # for XXXX Customer Service about a order I placed. The number listed under XXXX on XXXX was XXXX, I called they answered XXXX customer service this is XXXX how can I help you. The call was placed at XXXX am, I stated thar I wanted to cancel a delivery, he asked about the item, and said we have a new way to return and immediately refund money to customers accounts. I believed him, questionable if I hadn't been What I had recently been through, and a truck load to unpack by myself, and finding a place to move one day before eviction. He went on qs, download team viewer, and had access to my phone, he said he would take care of everything for the XXXX refund to my account. He took over my phone, downloaded exodus, something about bitcoin. 
I immediately questioned the bitcoin, asked what he was doing. Saw XXXX and asked about that, I asked if he was trying to take XXXX, he was working threw this Ramp company. I told him I don't have that kind of money in my account and asked what he was trying to do? He claimed no he wasn't trying to take money, he said we are refunding money to your account. A denial code came up, I asked him what was going on.He keyed in something and it when through, don't know what he keyed in, but he started deleting things on my phone. He worked my phone remotely, stated he needed authorization, he worked my camera, took pics of card, license and me. DON'T KNOW WHAT HE DID. But Huntington bank ok 'd a transaction for XXXX went my account balance was XXXX. And put the fraudulent transaction of XXXX through my account with a XXXX balance oh and I was charged an overdraft fee for the XXXX. I immediately notified the bank of fraud, filed a complaint with federal fraud dept. Filing a complaint with you because of the banks actions. They were called XX/XX/XXXX, at XXXX After I checked my account, and didn't see a refund, but a withdrawal of XXXX. I asked the bank why they would left that transaction go through for that amount without funds. This just should not have occurred. My only income is SS is XXXX a month that is it. They said it is because of my overdraft option, that is a lie, I have had to get gas, and they have denied a XXXX charge on my debit card, when I call and ask why, they say it is their discretion on what they pay. 
I feel this Huntington Bank engages, in fraud themselves, since it was their discretion on paying this fraudulent charge, it Should be on their dime.This Banks rating is pretty low, their is a reason, why isn't the federal government doing more over sight on their business practices. 
The CEO, of this company must be really dishonest, because if he wasn't, they wouldn't be looking for ways to XXXX their customers. I have to call SS about my next direct deposit because I need a new bank, don't trust them, and can't have them taking half of my income for fraud they let go through, and the other half is rent. I pay 50 % of my income on rent.
Product: Checking or savings account

Since XX/XX/2024, I have received repeated fraudulent charges on my citibank checking account/debit card from XXXX XXXX XXXX I have never had a XXXX XXXX account and never made or authorized purchases for anything from XXXX XXXX. 

On approximately XXXX  times, I've closed the debit card and had a new one issued. Yet, the fraudulent charges continue. I have called Citibank about XXXX times and spend literally XXXX of hours on the phone and each time I call, they have no record of my prior calls. Each time, I go through the fraudulent charges XXXX by XXXX, which now total well over XXXX fraudulent charges approaching {$2000.00} in total. And each time they promise a provisional credit, but I never get XXXX. And each time I call back, they seem to have no record of me calling the prior time. 

Among the reference numbers from Citibank are : XXXX ; XXXX and XXXX, but there are more.