23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been a responsible involuntary account holder with your mortgage for over a year now. Months ago I received a bill from my city explaining my taxes had been assessed and paid incorrectly by my mortgage lender. Since then I have spent hours on the phone giving customer service representatives the opportunity to correct the problem only to continuing the cycle of behind delinquent and having fees and interest accrued at my local assessor 's office. The first representative informed me my taxes had gone up {$3000.00} and that is the reason my mortgage payment went from {$1800.00} to {$2200.00}. This information is completely incorrect and could have been addressed by a 30 second phone call to the city ( which I completed ). I verified that my taxes are actually {$4500.00} and I was in arrears {$680.00} and was currently collecting interest in fees on this past due DELINQUENT account. I contacted your customer service again, each time spending about 40 minutes providing the SAME demographic information to your representatives who apparently are just wasting time because of their ignorance to actually answer and provide appropriate knowledgeable answers. Following my second call a review case was opened through their Real Estate Taxes Department. XXXX from that Department informed me that Freedom MortgagXXXX   would be responsible for all fees and interest accrued as a result of their error. I have received 3 letters every two weeks thanking me for the review request but NO answers. Again, for something that could have been solved via a 30 second phone call. This has been over a month now. The new tax bill arrived which your company paid however {$680.00} of that went towards the delinquent amount and shows that I still owe {$680.00} on this current quarter which was due XX/XX/19 and will again put me in delinquency and begin accruing interest and fees. Today I called again and that same thing happened, I was requested about 30 minutes of demographic information, denied to be transferred to the review department ( which I was informed I had a right to do via my telephone call with XXXX and the two letters I received ), and told what I already knew and given NO answers about the arrears amount. I am now in the process of refinancing with ANOTHER lender ( obviously because of this terrible experience ) and was requested to pay the past due amount. This is outrageous that THEIR mistake is costing me money out of my pocked thrice over because your company is failing to address THEIR error and the delinquent amount. I am only looking for the error to be fixed, my taxes to be paid up to date ( without fees coming out of my pocket for your company 's error ) and my mortgage payment to reflect what it should rightfully be based on an accurate assessment of my taxes ( {$4500.00} NOT {$6500.00}! ). I feel that for a mortgage company to commit such grave and easily fixable mistakes is unacceptable and careless. I could very well manage paying my taxes on my own and would NEVER be delinquent. This is incredibly EMBARRASSING and Freedom Mortgage should be ashamed. Thank you for your time.
Product: Debt collection

had 2 yrs internet contract with XXXX XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX, more than 2 yrs. At XX/XX/XXXX midnight service disconnected, ps notification. Received box 2 weeks after to return equipment, i sent modem and accessories, ps XXXX tracking on receipt XX/XX/XXXX they received XX/XX/XXXX. They told me to climb to the roof to remove their dish and send them a piece with instruction how to use tools to remove. I told them they must come to take it as they did in my 1st contract. I do not know how to do and have no idea. XX/XX/XXXX they created a new account number XXXX from the original and took {$270.00} stating that it is a service from XX/XX/XXXX to XX/XX/XXXX while i have no service since XX/XX/XXXX midnight. My service account number had always been XXXX ps documents. 
All my payments were automatic, my contract amount for unlimited internet {$150.00} but they charged {$160.00} they said it is modem fee, it is impossible to use another modem which is wrong. They seldom charge even that amount, ps my final bill {$160.00}, my bills vary {$160.00} and {$180.00}. Every time i complaint, they said it is only for one time due to some issues, but never. After they took {$270.00} on XX/XX/XXXX they tried again a week after to take again another {$270.00} ps notice, likely i blocked them, that transaction failed. I asked them while they are doing that, they said i have to send them the satellite equipment. Finally i had to find someone on my own to remove that on the roof. I sent them XX/XX/XXXX and they received XX/XX/XXXX. I called them last week, they said it takes 10 business days to process the refund. Surprinsingly i found again a collection letter XX/XX/XXXX for {$270.00} plus fees. We are in a country a law. My question how a company can just create an amount to rip off clients with no evidence. They owe me that amount, i filed with XXXX XXXX XXXX for unauthorized charge because i have no bill. I ended up finding someone for that satellite issue to remove and sent equipment, ps XXXX tracking for reception XX/XX/XXXX, we agreed on refund, now they want to destroy me because i files complaints against them. This is something i have ever seen i n 30 yrs of business experience. I need help. They are 2 XXXX tracking receipts, ask to explain how i get the internet and how within 3 weeks someone can get a collection letter.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXXXXXXXXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Request via " Contact Us '' page and letter was sent to the attention of XXXX XXXX informing Central Portfolio Control they were attempting to collect on a debt I did not own, validate the debt, and cease collections immediately. My request was on XX/XX/XXXX by letter was in response to reference letter XXXX dated for XX/XX/XXXX. It was also sent on the " Contact Us '' page on XX/XX/XXXX and screenshotted. They did not respond to either by phone or writing and instead reported this account to creditors, and backed the opening date of XX/XX/XXXX. They are in violation of HIPPA and have failed to follow-through with Fair Credit Reporting. I have screenshots of the letter and " Contact Us '' page.
Product: Credit reporting or other personal consumer reports

Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 

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 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
Product: Credit card or prepaid card

There were XXXX purchases made with my middle class refund debit card # XXXX XXXX XXXX XXXX expires XX/XX/XXXX that were fraudulent. I contacted the credit card issued money network customer service number at XXXX on the back of the card right away to let them know. I contacted them XXXX  already about these charges. They have told me that they do not issue temporary credits and that I would have to wait between XXXXXXXX XXXX for their investigation to be completed to get a refund. I have never heard of a credit card company not issuing a temporary credit for unauthorized charges or the legality of it. I havent found anything online about this issue so far. The charges were as follows. XXXX on XX/XX/XXXX for {$9.00} from XXXX XXXX XXXX XXXX, XX/XX/XXXX for {$180.00} from XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX for {$180.00} from XXXX # XXXX XXXX XXXX. I did not make these purchases and I physically had my card the whole time and I also did not have anyone in my house. I have no idea how anyone couldve gotten this information. I do not have a running vehicle to even be able to go into these stores in XXXXXXXX XXXX to make these purchases. I contacted the XXXX about this issue but they said that they were unable to do anything about it. I am unsure what I can do about this at this point.
Product: Credit card

I RECEIVED A PREAPPROVAL APPLICATION LETTER FROM BP OIL. WHEN I SUBMITTED MY ACCEPTANCE CERTIFICATE, I WAS DENIED AND A HARD CREDDIT INQUIRY WAS REPORT TO THE CREDIT BUREAU. I CONTACTED COMPANY REGARDING MISLEADING ADVERTISEMENT BECAUSE THE LETTER STATED PREAPPROVED. ALTHOUGH A CREDIT LIMIT WAS NOT DISCLOSED PRIOR TO OPTING TO ACCEPT PREAPPROVED CREDIT CARD OFFER, I WOULD HAVE NEVER INITIATED A CREDIT CARD APPLICATION, IF IT WAS NOT FOR THE STATED PREAPPROVAL ( NOT PREQUALIFIED ). THE CUSTOMER SERVICE AGENT SAID SHE HAD LIMITED INFORMATION TO RESOLVE MATTER AND DOCUMENTED MY CONCERN
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected 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 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
Product: Checking or savings account

I had attempted to XXXX XXXX  and was in the XXXX XXXX from XX/XX/year> until the night of XX/XX/year>. I got out of the hospital to several transactions I did not make and immediately reported them. It was over {$5400.00}. The representative was rude and seemed impatient with me. I told him I can provide hospital documentation of the visit as I am still on monitoring for the XXXX XXXX He denied me the option to send it in, which resulted in a denial of my dispute. This is FRAUD. I am getting out of the XXXX XXXX to NOTHING. All of my XXXX XXXX money gone. I wish I wouldve stayed in the XXXX XXXX longer because this is taking a bigger toll on my mental health. In addition, they tried to tell me that they denied the claim because Im using the same device that Ive logged in on before. OF COURSE I AM. they gave me my phone back when I left the XXXX XXXX. When you enter the hospital. They take all of your belongings and give them back to you when you are discharged! ITS A XXXX XXXX not a regular hospital visit. 

I will be pursuing legal action immediately because I have my discharge statement and everything stating I was in the hospital during these days. I dont know if it was a nurse or a family member whoever that did this fraud but it wasnt me. And they DENIED MY DISPUTE WITH MEDICAL PROOF
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, LVNV Funding, LLC has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. LVNV Funding, LLC, have violated my rights. I looked at my Credit reports on XXXX, XXXX, and XXXX and noticed some things are incomplete and not accurate, and according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U.S. Code 1681 ( e ) ( b ). According to 15 U.S. Code 1681i ( 5 ) they are suppose to do this. ( XXXX  ) Treatment of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of he consumer, or modify that item of information, as appropriate, bases on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 U.S. Code 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

LVNV Funding has also violated the Consumer Financial Protection Act of 2010 ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ). They are trying to collect on a debt without providing any documentation or validation. LVNV Funding LLC has violated my rights under 15 U.S. Code 1692g ( a ) ( b ) - Validation of debts. I am not liable for this debt with LVNV Funding, LLC. I do not have a contract with LVNV Funding, LLC, and they have not provided me with any documentation or original contract as I requested. 

XXXX v. LVNV Funding
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency is reporting in accurate personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo 's executive specialist team, As you investigate my complaint as well as Florida 's attorney general request for a written response regarding this subject matter, please take into consideration the following facts : The Equity loan that your company is compelled to hold me responsible for originated as an instrument of the now outlawed Pick-A-Payment loan, which was then a requirement in securing the primary loan note ( one could not exist without the other ). <P/>After a six year lawsuit that I initiated back in XX/XX/XXXX, due to Wells Fargo reneging on their originating loan options and the predatory nature of the loan, I finally settled with Wells Fargo at the direction of my attorney with the stipulation that Wells Fargo would finally work to approve me for a loan modification unlike the the offer seven years ago that just offered the amount owed to be placed on the back of the loan in exchange for waiving my rights to bring suit against Wells, of course I declined. <P/>My Attorney suggested I settle based on two key factors : > As flawed as the terms were I was previously approved for a modification back around XX/XX/XXXX, at the same time Wells was found guilty of not modifying qualifying members like myself, a fact that was to be considered. <P/>> the equity loan that originated along with the primary note held the home as collateral and therefore as long as the equity loan was open and in place ; a foreclosure & sale was not imminent. <P/>What was not known at the time of the settlement by me or my attorney was that Wells transferred my home equity loan back in XX/XX/XXXX without my knowledge or my attorney 's knowledge releasing the home as collateral and allowing Wells to decline the Modification and foreclose on my home without obstruction, which they did. <P/>Although I asked Wells representatives multiple times to update my mailing address while I was working out of town they kept sending mail to where I was not so I never received any notification of any changes to my loan account and neither did my attorney who was to receive all notification related to my open suit, especially given the fact that the settlement agreement in which I signed included reference to the equity loan.
Product: Credit reporting or other personal consumer reports

Request for Documentation Regarding Late Payment Reporting Account : XXXX XXXX Account Number : XXXX Dear [ Creditor 's Name or " To Whom It May Concern '' ], I am writing to formally request documentation regarding a late payment that has been reported on my credit report for the above-referenced account. I believe there may be an error in this reporting and seek clarification in accordance with my rights under federal law.

Under 15 USC 1666b, creditors are required to follow specific procedures before reporting a payment as late to credit bureaus. Specifically, the statute mandates that creditors must send a written notice to the consumer at least 21 days before the payment due date. The notice must include a form, as outlined in 15 USC 1637 ( b ), detailing the payment terms and any conditions that could affect the status of the payment.

To ensure that my rights have been respected and that the reporting is accurate, I kindly request the following documentation : Proof of Notice : Documentation showing that a written notice was sent to me at least 21 days prior to the due date of the payment in question, including the date of the notice and proof of delivery or mailing.

Copy of the Sent Form : A copy of the form sent along with the notice, as required by law. If applicable, please also include a copy of my signature confirming receipt and acknowledgment of the payment terms and conditions.

If you are unable to provide the requested documentation within the required timeframe, I respectfully request that the late payment entry be removed from my credit report, as its reporting would be in violation of federal law.

Please respond to this request within 30 days from the date of this letter. If I do not receive a response within this period, I will be forced to pursue further action to ensure my credit report is accurate and that my consumer rights are protected.

Thank you for your prompt attention to this matter. I look forward to your response. 

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

This medical account should not be on my credit report This under 180 Days please Remove Off My Experian credit report due too hippa violation!!! 

This collection acct is 1 month old ....
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX This company is reporting that I tried to apply for bank credit card which is incorrect they was not clear about running a hard pull on my credit what was explained to me was that it would be prequalified soft pull not. Hard inquiry I in fact didnt not give them no consent what so ever to run a hard pull on my credit profile now because of this my credit score has dropped significantly and I would like to know why was I told by there website that the prequalified selection was indeed a soft pull I never asked or wanted to move forward with them to even have them run a hard
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX illegally reported with out written consent. XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX illegally report to 3 credit reports with out written consent. XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX, DE XXXX illegally report to 3 credit reports with out written consent. XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX reported to 3 credit reports with out written consent. all these violate written laws under us code 1681c-2 and us code 1681-b
Product: Mortgage

Didnt have 2 years of income and loan officer made me file more income for 2018 tax returns to qualify for the mortgage. Had to be in escrow over 60 days
Product: Credit card or prepaid card

I purchased items using my Paypal account back in XXXX of XXXX. I did not use one of items until XXXX of XXXX. I notice when wearing the item, white spots begin to appear all over the product. I also notice when water hits the product the color also fades on the handbag - before I knew this, I used a dry cloth to wipe the bag and the white spot got bigger on the front of the bag!!! I could not believe this - I only wore this bag one time! 

I reached out to the vendor and requested I be allowed to purchase the one pouch bag since it is made out of different material then the overall bag. It is the only portion of the bag that is faded. I was told no way by the vendor and the vendor also stated it was my fault. 

I reached out to Paypal to file a dispute claim against the company and Paypal disregarded all my evidence even though the company showed much deceit in the process of this claim. I can not believe Paypal would side with the fraudulent vendor. 
The vendor at first stated it would send me another bag if I dropped the dispute- which I asked for prove of this but it never came. Again, the company practice more deceit as it had no intention of sending me the bag but knew the bag was defective by making the offer. I also sent all this evidence to Paypal but the company did not care one bit. The company was willing to send a brand-new bag if I dropped the dispute which shows it knew the bag was faulty. The company even told Paypal that I already received a refund ( in XXXX ) but the refund was for an item being out of stock - I sent Paypal this as well and all of the evidence was ignored by Paypal. 
Paypal rep or team did not review my claim at all. Paypal disregard the fact that the company has been deceitful from the start of this claim. I make several purchases with Paypal account and have very few disputes - I am more than upset the company has denied my claim. 

Paypal stated reason for the denial is due to the description of the product not being different than what the vendor provided. I am not disputing the description but the fact the one bag I received is defective. It would not fade after one usage if it wasn't faulty. Paypal is allowing deceitful practices on the platform - any other bank would acknowledge the fact the company sent me a faulty product. I am only requesting a partial refund as I still have the product than I can no longer use. This is not how you service clients who use your platform all the time.