23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX XXXX I moved from XXXX  back to my home state of XXXX. A day or XXXX afterwards I went to the local XXXX  XXXX  at XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX, to get internet setup. After doing some research, XXXX was the only internet provider option for my apartment. They were also the only provider option for the place I was renting in XXXX  previously. After waiting a while, the in-store XXXX sales rep informed me that since I was already a XXXX customer I could move the service from my old address to my new address and pay a reduced rate, since internet service in this area is cheaper. That all seemed normal, since last time I moved the process was similar. 
The next month, on XXXX XXXX XXXX, I received a charge for {$110.00}. This was not part of the standard billing charges. So I called XXXX. The XXXX rep on the phone told me that the in-store rep had done the transfer of service to my new address incorrectly. Instead of transferring the service to my new address, they had canceled the service at my old address and started a new service at my new address. This automatically triggered a early termination of contract fee in the amount of {$110.00}. The XXXX rep on the phone assured me that they would make this right, and mail me a check for {$110.00}. 
I waited 6 weeks for the check to arrive, but I never received it. I called XXXX again, to see what the status of my refund check was. After waiting on the phone and being transferred around for over two hours, I was told that no one could currently help me, and that someone that could help me would reach out within the week. No one ever reached out. 
In XX/XX/2023, after receiving no refund check and no follow-up, I charged back the {$110.00} to XXXX using my XXXX credit card. I gave them all of the details I've provided you here. After a month or XXXX, XXXX completed their investigation. They sided with me, and I received {$110.00} as permanent credit. 
On XXXX XXXX XXXX, I received a letter from CCS USA XXXX Credit Collection Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, stating that I owed {$110.00} to XXXX. CCS states that this letter serves as a notice that this adverse credit information is scheduled to be reported to one or more of the three major credit bureaus. 
XXXX / XXXX never reached out to me to try to collect the {$110.00}, or to ask me why it was charged back.
Product: Mortgage

I just purchased my home in XXXX and my mortgage company has sold my loan to Shellpoint Mortgage. Shellpoint has sent me a demand letter stating they find my deductible amounts unacceptable and advising me to address the issue or face Lender Placed Insurance. I spoke to my insurance broker and he said what they are doing is not legal and that my insurance meets their demands. Very specifically he states The initial lender accepted as is, AND your true windstorm deductible is only {$2500.00}. The XXXX XXXX XXXX XXXX deductible only applies if a named hurricane causes damage. 


Shellpoint has had several class action lawsuits brought against them for similar practices in the past and they have always been found guilty. I feel strongly they are attempting to shake me down for an LPI event to squeeze more money out of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are planning to purchase a home in Florida. The realtor suggested we obtain a pre-approval for a loan amount. I began the process through a link on XXXX. The agent emailed me and said that I would have to give permission for a soft credit check which would not affect my credit score. His company sent a link to agree to the soft credit check on XX/XX/2022. I clicked the link and began uploading the documentation they requested. A few day 's later, on XX/XX/2022, I received an email from XXXX that I have a credit notification. I went into Experian and found that this lender pulled a Hard Credit Report, which has lowered my credit XXXX. I emailed the company and told them that I did not consent to the hard credit pull and that they needed to fix this. In fact, they pulled a hard credit check and I had not even finished providing all of my documentation. Just this morning, the lender called me and when I informed him and provided the emails back to him showing that the consent link clearly states that it would be a Soft Credit check and would not affect my credit score, I heard him typing and I think he actually altered my record. I am concerned that he has access to my financial information now, as well as the fact that by pulling a hard credit check, this company has financially harmed my husband and myself with our credit rating, which ultimately will negatively, financially impact us when we apply for loan. 

I noticed that he sent a picture of " my consent '' while we were on the phone this morning. I could hear him typing and think he altered my documentation. He told me that he doesn't have th ability to alter my consent, but I think that he can because on the phone call, when I requested proof of my consent, he began typing and then sent. I would look at the time stamp for the consent. In any case, the emails that I received, represented that this would be a soft credit check and instead they conducted a hard credit check. I am attaching the emails in the documents. I will provide all emails later if needed. 

This company is XXXX XXXX XXXX # XXXX ( XXXX ) XXXX The agent is : XXXX XXXX XXXX XXXX NMLS # XXXX XXXX  Days To Close m : ( XXXX ) XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX. 
XXXX  XXXX. XXXX, FL XXXX XXXX
Product: Credit card

My BOA debit card was lost/stolen. When I realized I called BOA who froze the card and issued a new XXXX. The thief was using it around town. I disputed the charges but today BOA said no fraud occurred and I am liable for the charges. I am upset that the card I had was able to be used with out a PIN and that they do not believe me that the card as stolen.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Owed : {$5500.00} XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

Mohela needs to forgive the remaining balance of my student loans. The loans were supposed to be consolidated first. Then, all of my student loans would have been forgiven. Mohela did not do it. 

Please correct the mistake. Forgive the rest of my loans.
Product: Debt collection

This credit card was opened in 2017 as a secured card to help build credit history. It had a {$200.00} limit. While traveling to XXXX XXXX, I had stayed at a hotel and ordered room service. The food arrived raw, so I reported to the manager that I would like to send the food back and requested a refund. The manager assured me she would take care of it. When I got back from my trip, I noticed after a week or so the refund was not made so I called the hotel and they told me that the manager I spoke to no longer worked at that location -- apparently that was her last day and she had transferred to another hotel in another city. They said they would look into and get back to me. I then decided to call the credit card company to explain to them that this was an incorrect charge that should have been refunded, they also said they would look into this and get back to me. When I got my credit card bill I noticed they had charged me late fees, so I called them back and explained what was going on and they said they would investigate and get back to me. The next bill came and now they were trying to charge me over {$500.00} on late fees for less than {$200.00} that should have been removed/refunded months ago. Unfortunately, my father had passed away around this time and I was not able to follow-up continuously, the next letter was informing me that the account had been charged off ( I had been previously waiting for them to correct the charges and adjust the fees ) and now a third-party collection company -- XXXX XXXX -- was holding the debt and I had to speak to them directly. I sent letters to them and the credit bureaus again disputing the charges and explaining why this should have never happened, yet five years later they continue to be the ONLY XXXX mark on my credit report and keeping me from being able to build my credit that I now need for serious medical emergency. Could you please have this removed my credit report and have my name/credit reinstated as it should reflect given the circumstances. 

Thank you, XXXX
Product: Credit card

Recently in XXXX of XXXX a card was opened at TJMaxx and used without my knowledge for around {$500.00}
Product: Debt collection

Creditors Bureau USA out of XXXX, CA is trying to collect a debt and reporting on my credit report that has already been paid by my insurance company ( XXXX ). The charge was originally from XXXX XXXX XXXX for {$550.00}. The insurance company claimed they weren't going to pay it at first but then eventually did pay it. The Creditors Bureau USA XXXX has been calling me and I don't owe anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

We bought this Fridge on XX/XX/XXXX and it immediately started having issues with the ice maker. XXXX XXXX techs came out several times to service and this week XX/XX/XXXX the fridge suddenly stop cooling. Another tech came out and confirm fridge is faulty. We then proceed to request a replacement which turn out to be a nightmare as XXXX customer service is awful and unwilling to replace fridge under warranty. After several calls and pleading with them they agreed. However, we have gotten the bad end of the stick because our model and size is now {$400.00} more and our 10 year warranty ( {$310.00} ) is now void. The rules are not meant to help consumers instead they only benefits XXXX XXXX. We are now left without a fridge for 4 days and counting ... this sucks!!
Product: Credit card or prepaid card

WELLS FARGO DISREGARDED FTC RULES On XX/XX/2020 I ordered a laptop from XXXX in the amount of {$1300.00} the laptop was supposed to arrive on Friday XX/XX/2020. Exactly one week later on XX/XX/2020 I contacted XXXX about this issue they told me the package was delivered according to tracking and that I had signed for it. 

I assured them this can not be the case since I never received a package and more importantly never signed for one. They denied my claim and referred me to my card issuer bank. 

And the same day XX/XX/2020 I contacted my card this year Wells Fargo Bank. They immediately provided a temporary credit in the amount of {$1300.00}. They informed me that upon finalizing the claim that could last no longer than 90 days the temporary credit would stay permanent or fall off depending on the conclusion. This Was not the case. On XX/XX/2020 Almost 6 months after my claim was filed I received an electronic message through my Wells fargo app stating they had just reached out to XXXX 24 days prior to the letter date. They went months without doing a thing. Then on XX/XX/2020 7-8 months after I filed my claim they reversed funds I though had been resolved already. 

I contacted wells fargo and they said they declined my claim due to XXXX providing proof of shipment. Even after insisting that was not true they did not resolve it. I then proceeded to file another claim with their credit executive office on the premise of breaking FTC rules in resolving my claim in a timely manner. I did this twice. They were both declined twice with the same answer of XXXX providing proof. I would like wells fargo to take responsibility for their blatant disregard of federal rules or to charge XXXX since I never received the package. 

Thank you XXXX XXXX
Product: Student loan

On XX/XX/XXXX I was conditionally approved for a student loan through Navy Federal Credit Union. Upon receiving the approval I was asked to provide income verification for the loan that I applied for. I submitted a copy of my XXXX XXXX as proof of income as it was one of the options that I was given as proof of income. On XX/XX/XXXX they declined my documentation. They declined my documentation stating that it was beyond 60 days old and I needed to upload my pay stubs from the past 60 days. I submitted the documents they did request. On XX/XX/XXXX while reviewing my status of my loan online, I discovered that the documents that I submitted were also declined approval. I called and spoke with a representative on that date and they stated to me that they required a letter from my employer stating that I am still employed at my job. I obtained the letter from my employer and submitted it to the portal for them to review. XX/XX/XXXX I called Navy Federal again to review my loan application because I noticed that my letter was not approved. The customer service representative couldn't answer as to why it was not approved and said she would call back. I did not receive a call back. On XX/XX/XXXX I received an email from Navy Federal stating that my loan would be declined due to inactivity. I called Navy Federal on XX/XX/XXXX due to them not being open on the weekend. When I spoke to the customer service agent he stated that I needed to send my latest paystub due to XXXX of the prior paystubs being over 60 days out. I submitted the paystub and awaited approval. XX/XX/XXXX I noticed that the online portal stated that my latest paystub wasn't approved. I contacted customer service again on XX/XX/XXXX. When I spoke to the customer service representative they stated they needed my XXXX XXXX. Even after I was told my XXXX XXXX wasn't approved because it was 60 days out. On XX/XX/XXXX I received a call from a Navy Federal Credit Union Loan representative. The representative asked me was I on XXXX XXXX XXXX XXXX  I told her yes and that I just had XXXX. She asked me when I was returning to work and I explained that I would be back in 3 to 4 months. She then asked me to upload any documentation from my doctor to show how long I would be out and something from my employer to show I have enough accrued time until I return to work. On XX/XX/XXXX I received an email from Navy Federal denying my loan application due to " Current income does not meet the minimum loan guidelines ''. It is my belief that my loan was denied not because of minimum income requirements but because I am on XXXX  XXXX  from my employer.
Product: Credit reporting or other personal consumer reports

t.ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am a victim of identity theft and I am writing to you because certain information in my file resulting from the crime has reappeared on my credit report and Equifax refuses to address the matter promptly. 
The items I am disputing do not relate to any transactions I have made or authorized. Please have Equifax remove this information at the earliest possible time. The fraudulent account appearing on my credit report is XXXX  and the fraudulent inquiries are from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX and XXXX removed the fraudulent above information but Equifax had them reappear. This has been a well-established case of Identity theft and a crime. Negligence from Equifax is costing me more than money, It is costing me my emotional and mental well-being. Equifax violates section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and section 605B of the Fair Credit Reporting Act,15 U.S.C . 1681c-2. 
Please have Equifax comply with the law, and remove/block this fraudulent information from my credit file. 

I have attached the Police Report, my credit reports ( With the Fraudulent information highlighted in yellow on the Equifax Report ), and proof of my identity to this inquiry. 

Please do not hesitate to ask me for any additional information that could be of use to you. 




Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning the many unsuccessful attempts I have made to correct a late open accounts and remove a public record from my credit report. Despite my persistent efforts, these items continue to adversely affect my creditworthiness and financial standing.

Previous Attempts to Address the Issues : I have previously disputed these items through your bureau, providing supporting documentation and evidence of inaccuracies. Despite this, the late open account and public record persist on my credit report.

I request an immediate and thorough investigation into both the late open account and public record to validate their accuracy. If found to be inaccurate or unverifiable, I request their prompt removal from my credit report. 

Additionally, I request a written confirmation once these items have been corrected or removed, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within the exact timeframe and provide a designated contact person for further communication. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : {$2100.00} The presence of a XXXX late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected. 
XXXX  XXXX Bankruptcy Reference # : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers. 

I would appreciate it if you could take care of any names listed incorrectly in your database. My actual name is XXXX XXXX XXXX if you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any address in your system that varies from XXXX XXXX XXXX XXXX XXXX, MD XXXX. 
It will ensure the database has accurate information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

XXXX. I called direct Express to report unauthorized transactions. When I called it took me 22 times to get somebody. Then my call was dropped. I did not get a chance to get a replacement card. XXXX I started calling at XXXX a.m. I called over 46 times and I keep getting high call volume and ends the call. I am XXXX and communicate via email there is no access to any email on this site the website is not XXXX compliant. I have to pay somebody to sit at my house to contact this Bank. I don't have access to my money I have a XXXX day eviction notice. I have no money to pay somebody to sit at my house to call. I have no card number to transfer to a bank account. I've called from different phone numbers. There's no other option for people who are XXXX to contact this company. I have XXXX pages of screenshots showing the calls. My money is not protected there like a regular Bank. I have had disputed transactions before and never received the money. They've never refunded me. At a normal Bank you are covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights and a violation of my rights to privacy. Please investigate and remove such occurrence. 

Previously, I called and sent a letter to XXXX XXXX XXXX XXXX and asked the company to take action to get this unauthorized inquiry removed from your records, yet this unauthorized inquiry is still showing on my report.
Product: Consumer Loan

I submited a auto loan application on XXXX/XXXX/2013 at XXXX of XXXX. The deal was XXXX finaliized that same day, or so I thought. Then XXXX came to my job under false pretenses and stole the original application from my car. Fast forward to now, I just saw that XXXX submitted my application to several financial institutions on that day and then on XXXX/XXXX/2013 without my consent. I disputed it with XXXX, but was told to call those financial insitiutions directly. I did and thy told me that they could not help me since I do not have an account with them. I called XXXX and told them then was directed to XXXX. I called XXXX several times, but the financial manager refused to take my call. I emailed the owner who has not replied me.