23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice of collections snd contacted both the provider and the creditor. The provider couldnt give me any details other than I needed to contact the collections company to resolve. The collections company couldnt give me any details other than I owed the balance and it was now on my credit. In 4 months the balance has doubled and I all the bill shows is principal, interest and other charge with a total amount. I continue to receive monthly credit alerts and letters with a balance increasing but I have absolutely no idea what I owe or why I owe this balance especially since I had not one but two insurances. The provider listed on this bill always provided an estimate and I paid prior to having services performed. This debt isnt owed and needs to be removed off of my credit it is fraud.
Product: Debt collection

The company Wakefield and Assoc is reporting XXXX accounts in collections for XXXX medical account. They broke the XXXX debt down in to under {$20.00} increments and servery impacted my XXXX credit score over XXXX points.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to this company for the past several months and although I have asked on numerous occasions to remove inaccurate information and let them know I do not consent to having my information shared as well as tried to dispute items that are inaccurate/not correct they are still showing up on my report. They have had several data breaches and I have put in claims for those breaches as well. I do not want my information showing up on these reports without my consent and I have NOT consented to anything. I would like any accounts that are showing up to be removed I am opting out of it all.
Product: Debt collection

On XX/XX/2020, XXXX XXXX XXXX sent a notice of a debt of {$1300.00} owed to XXXX XXXX XXXX - XXXX, and on XX/XX/2020, I called the number listed ( XXXX ) and spoke with an agent, notifying him that this bill was not submitted to insurance nor billed to us directly. He said they would see that the bill was submitted properly. The next notice I received was from Affiliate Asset Solutions ( AAS ), in XXXX XXXX, Georgia, on XX/XX/2020, stating that Pendrick Capital Partners II had purchased the debt from XXXX XXXX XXXX - XXXX. I called the number on their letter ( XXXX ) on XX/XX/2020, and also informed their agent of these facts. She told me that my insurance company needs to contact their office. I informed her that that is not how insurance works ; that the company providing services needs to submit to insurance. Their agent hung up on me. On the same day, I sent a letter detailing these facts to AAS and informing them, " We will be happy to pay the amount we are responsible for after our insurance company ( XXXX XXXX  ) has processed the claim. We do not accept responsibility for any amount over our normal responsibility that is due because of failure to file with our insurance in a timely manner. '' In response they sent a bill from XXXX XXXX XXXX - XXXX and did not address the issue of insurance processing. 

On XX/XX/2020, I sent AAS another letter and cc-ed the other parties involved ( Pendrick Capital Partners, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ), again informing them that we will pay what is our responsibility to pay but not any amount over that due to their failure to file in a timely manner. In response, they sent an offer to resolve the account for a one-time payment of {$890.00}, which is still 4-5 times or more what I would expect to pay if this bill had been properly processed.

My insurance company still shows no claim processed from this provider. I expect it is far too late for them to receive any payment  through them, which is why they have not processed it. They refuse to respond to that issue, nor have they sent me a reasonable amount with which to settle. None of their correspondence has included any names.
Product: Checking or savings account

Paypal accepted debit authorization in the amount {$260000.00} from XXXX XXXX car, Against my canceled debit card, I did not retain XXXX rental car services, XXXX XXXX XXXX XXXX provided XXXX XXXX car to me as third party accident victim, And informed me that my card would not be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX i signed a 60-month contract agreement with XXXX XXXX  XXXX i begin having financial issues unable to make payment on time. recieving late payment statements stating of my failure to make payment on time. XXXX  is reporting the contract is 72 months and my first and last payment was XXXX. ive submitted supporting documents from XXXX  however transunion and XXXX seem to state XXXX  is verfying the debt, i recently made complaint with cfpd regarding XXXX  adverse action regarding not reporting correct information and XXXX, and they deleted the account from my report.i submit compliance with business XXXX XXXX against XXXX  and they fail to reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached complaint on credit reporting agencies that refuse to properly investigate this erroneous account that has been reporting on my consumer report with numerous inaccuracies that are leading current and future creditors that I'm less than worthy of extending my credit. I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company. I know this company pays you to report this XXXX to my consumer report and you also have a duty as a data furnisher to investigate this item instead of simply sending a form to the company to verify with no merit or factual substantial documents produced. You've have enough time to thoroughly investigate this account so I demand it be blocked and deleted from my report in 7 days from the receipt or this complaint. I'm well prepared to get this matter in the federal court to be property litigated. 

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Credit reporting

I attempted to dispute some information on Equifax report. On my first attempt, I filled out the appropriate fields and verified my information. I was about to submit my request for the first dispute when the system kicked me out and said there was an error. Again, I went back to Equifax and upon correctly validating my information I was told that " The information you provided does not match our records so we are unable to process your request online. '' Equifax then asked me to fax in my dispute with a copy of my driver 's license. I tried once more, even asnwering the identity verification questions again and was given the same response. Now, when I attempt to initiate a dispute with Equifax 's credit reporting, I am no longer directed to the validation questions but am instead immediately asked to fax in my dispute as my information did not match their records. If Equifax had no record of me, how I was able to successfully log on to their site and begin the process of disputing the reporting? I would like this error to be corrected and be given access to my report so that I can dispute the inaccurate information. I even tried to access my Free Annual Report so that I could obtain a confirmation number ( much like the report numbers you get from XXXX ) and use that number to launch my dispute but was instructed to MAIL in a copy of my license and Social Security Card in order to validate my identity. It is insane that I would be expected to mail or fax any documents to Equifax after already having validated my identity and being allowed to start the dispute process. 

There were XXXX accounts listed that were not mine and XXXX account that could not belong to me as I have not opened any new credit accounts this year. I have attached the incorrect information as it appears on my report made available to me by XXXX. ( Even though, I am unable to dispute this information VIA XXXX as they redirect me to Equifax 's website which refuses to acknowledge that I exist. )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I used the have an account with Ocwen Servicing Loan as a line of credit account started in XXXX. From the very beginning, there were billing and posting error to this accounts. I tried to work with different customer service and service manager to correct the payment posting in the correct months and they refuse on several occasion replying that they are working on the errors. These posting error went on for XX/XX/XXXX when the account were sold to XXXX XXXX XXXX. Though this loan, I tried to get this company to converse this financial product to installment loan. The company refused to change the loan while keeping the loan as line of credit with 35 % daily interest. Every month I would ask for confirmation on how the payment were being posted and the company did not email their internal record.
Product: Checking or savings account

My name is XXXX XXXX. A former chase member. In the month of XX/XX/2023. I deposit {$1900.00} ... .chase held the funds for two weeks. It cleared.

Unannounced to me chase closed my account for no valid reason, they advised me I'd be receiving my check which I never have. It's been months I would like my funds release and issue in a expedited manner. If possible, Ive been calling almost daily and iam still getting the usual. He said she said run around. 

I need these funds to pay my rent or else I will be evicted. In about a week... .I am extremely disappointed in the way I've been treated by chase. Especially over an {$1900.00} check/ money order this is ridiculous and I can't understand why it's so difficult to get what is rightfully mine people work hard for their money and not being able to access it is definitely an inconvenience. 

Also called chase they lied and said the money orders they can't confirmed like what how does that make sense. I called XXXX XXXX they said the money orders are valid and has been cashed I told them chase won't release my funds they said if I don't have nothing in writing from chase saying the money orders are not valid is nothing they can do And they lie just too get you off the phone Everytime I call chase I get a new excuse or answer why I can't get my funds. Chase bank think iam stupid or something I know my funds are held in an account where they gain interest or trading using my money idc the amount I know they've probably made a nice chunk of money off me. I'll be surprised if chase bank doesn't get bailed out by the feds AGAIN because they are greedy, sneaky, and conniving I've verified my identity over 100 times, the branch manager even called them to confirm that I was in branch to verify my identity. They're saying they can't send my check because my address changed in the beginning. Mind you chase sent my new debit card and account closure check to my address on file nothing has changed. The chase reps do not care some out sourced XXXX customer service reps are very rude and blatantly nasty they don't care to help steadily repeating the same thing over and over again like a robot with no real solution. At this point I will no be calling chase anymore. I've emailed the CEO of chase as well ( XXXX ). iam not playing with my funds idc how much it is. The bank will send you in overdraft fees for their money. I think I deserve overdraft fees from them for almost 5 month inconvenience. At this point If I don't receive my funds I will be suing chase believe that! 

I've called chase over 100 times and still no one has rectified the situation. Even the chase branch manager call in to fix the problem still nothing no check was ever sent to me. If you can assist me in this manner I'd greatly and appreciate it. Thankyou for your time and help. 

Card number : XXXX XXXX XXXX XXXX ( closed )
Product: Credit card or prepaid card

I made an electronic payment of {$1100.00} to pay off my credit card balance to American express but the credit card company keeps sending me unrelated emails giving maiiling address and sending checks but are not checking the electronic payment made to them even after I furnished them with the transaction trace ID from the XXXX XXXX ( XXXX or XXXX digit number ) and continue to insist that I send them the details of check. 

They want me not to pay off so that I can keep paying interest. 

This is unfair practice and American Expressed must be banned doing business in credit cards.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information of disputed information on my credit report, leaving inaccurate of unverifiable accounts unresolved. This error has cost me with obtaining housing due to the collection accounts that have been disputed with Experian for 1 year via XXXX XXXX. The accounts are left unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided for over 1 year, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXXXXXX Owed : XXXX.
Product: Mortgage

I contracted with XXXX XXXX XXXX XXXX XXXX installation company ) on XXXX to have XXXX XXXX put on my house. They said in XXXX months, I'd have XXXX XXXX installed and they wouldn't charge me till the day they drove up in my driveway to install the solar panels. 

I discovered that there is already a 2nd lien on my house from Mosaic XXXXXXXX XXXX that has been in place for 3 months now. I called yesterday to Mosaic XXXX XXXX to complain that the solar panels are not installed yet and its been more than twice as long as I was told. I said I wanted to cancel my contract, as there is no product to be billed for. 

I also called XXXX XXXX and told them the same. They said I had to talk with my sales rep, XXXX XXXX first. I called him and told him the same. He tried to get me to go ahead with the solar project. I said no means no. He said I had to talk with his regional manager, XXXX, with XXXX XXXX. I spoke with XXXX and the same thing happened when I told XXXX I am cancelling my contract. XXXX tried to schedule me a date to come put solar panels on my roof. No means no. They haven't been in contact with me for 7 months. They installed a XXXX on my house with no merchandise to show for it. I said no means no and cancel my contract means cancel my contract. 

XXXX XXXX XXXX ( almost 7 months later ), I have received an email bill for my first payment with no solar panels on my house after I cancelled my contract. I'm pretty sure this is illegal to do.
Product: Mortgage

XX/XX/2021 Quicken loan pre approved my home loan for XXXX. I then picked out a home to buy doing the process it was know communications i couldn't never reach my loan processor i was denied. I then recieved a phone call from quicken loans apologizing to me about the none communication and advised to resubmit my application and that they had a new loan processor to help me through the process at this point i issued XXXX $ for a appraisal & XXXX $ for a inspection XXXX $ for option money XXXX $ for title agency. The sellers of the home paid out over XXXX $ in repairs that quicken loan made them get in order to meet sell requirements. I received a phone call phone Quicken loans on XX/XX/2021 telling me congratulations i was approved and my closing date would be XX/XX/XXXX?, 2021. A day before my closing date i received another call from quicken loans stated that I was denied because my real estate agent used to work for a broker company who they will not do any business with and it wasn't nothing they could do to help any further i then let them know that they failed to declose any of this information to me or the agent prior to our closing date and that this was not professional business quicken loans then assured me if i fire my real estate agent after he has work very hard with me to get a close on the property that they will continue working with me and get a new closing date so I ended my contract with my realtor and he was very upset saying he doesn't work for that broker company any more and couldn't understand why was he singled out. I then found a new realtor and sent over the new realtors information. Quicken loans called me again stated i couldn't get approved unless i add my newly wife debts with my debt. I explained to them I was already at my closing date without any of the new problems there coming up with im on the application by myself and if i qualified 2 days prior what's really the issue and why are they coming up with all of this new wants from me I asked for my money back but they will not give me back my money they suggested I apply for a conventional loan i said no thanks i meed my money back so i can apply with a new Lender i feel like i have been discriminated against for being XXXX XXXX, also my realtor is XXXX XXXX  and the loan processor lady who works for quicken loan is also XXXX XXXX  she's the person who called me with the congratulations and my approval and closing date. Quicken loans wouldn't let me speak with this lady any longer they unsigned her from working on my team. Assigned more new people to me who was definitely not trying to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX