23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Ive finally gotten one problem with Chase resolved and now they block my account access and my debit card.
Product: Debt collection

I had internet service through XXXX XXXX. I will attached bills showing XXXX for tv service from XXXX - XX/XX/2020. In XX/XX/2020 they sent me a bill for tv service. {$240.00} + XXXX in taxes. I called and said I did not order tv service but they only credited a portion. I disputed the difference of {$130.00} with my credit card company as it was on auto pay. XXXX XXXX gave me a credit. XXXX then charged me a {$25.00} return payment fee and said I still owed them for the tv service that I didn't order and they could not provide a work order or that I had called and ordered tv service. They have since sent this to collections.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX asking them to validate the debt of {$1600.00} on account # XXXX they say I owe. They responded back on XX/XX/XXXX with a itemized printout of procedures I had done in a hospital saying their client XXXX XXXX XXXX XXXX purchased my account and I owed them {$1600.00}. I sent them another letter on XX/XX/XXXX asking them once again to validate the debt and provide me with the procedure including names, addresses and phone numbers of the people they utilized to validate the debt. I did not receive a response back. I checked my credit report on XX/XX/XXXX and the failed to provide the credit bureau XXXX  with the required disclosure stating the account was being disputed. I sent XXXX XXXX XXXX XXXX another certified letter on XX/XX/XXXX stating they had violated Fair Debt Collection Practices Act ( FDCP ) and/or the Fair Credit Reporting Act by failing to provide the disclosure to the credit bureau 's within the 30 day period. The company did not respond again but it seems they were able to update my account on the XXXX  credit report months past due. As a result I would like this removed from my credit report. I have attached all of the proof of these communications below
Product: Mortgage

Sebonic Financial XXXX NC, person in charge of the process is XXXX XXXX, but further issues arose when the file was transferred to person listed on the mortage documents, XXXX XXXX. 

This involves misleading and failing to make sure that my XXXX XXXX XXXX mother was aware of the reaons they repeadly raised issues with the process even after they got to a closing date last week. She showed up to sign the papers and they introduced a provision that she had asked about concerning the persons required to be present to close the loan. 

On her behalf as her son I have taken this matter up because it has become a situation that one could characterize as taking advantage of a person who is simply overwrought with the misteps and the company 's failure to answer so many of the questions she has posed. 

The last of which being who needs to sign the closing documents. 
In anticipation of such an outcome, all correspondance is in writng via emals but to go one further would take hours. 

I have been told that I would hear via phone from the supervisor but as of this time no one has called. 
with that in mind I determined who runs the company and left messages with the CEO XXXX XXXX XXXX, the COO XXXX XXXX XXXX and the head of productions XXXX XXXX XXXX at this time the damages she is incurring accrue daily and I hope that this action with you will cause them to address the matter with the proper diligence. 
This is an XXXX XXXX in XXXX and she owes no one any money and is as much of a great citizen and since her retirment and an extrordinary public servant in her role as XXXX XXXX and through the establishment of a first of its kind performing arts center in the community in which she has resided for more than 30 years. 

People like her deserve your help and the advocacy that only the AG 's office can provide.
Product: Debt collection

A month or two ago, I started getting letters from a company ( XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ) telling me that they were trying to collect a {$74.00} debt owed to " XXXX XXXX XXXX XXXX XXXX '' and that I better pay or they were going to make reports to credit bureaus. I wrote them back, telling them that I don't owe any amount to, and have never done business with, XXXX XXXX. A web search told me that this electric company is in Massachusetts ; I do not even live in Massachusetts and have certainly never done business with XXXX XXXX. XXXX XXXX just keeps sending letters. Maybe they are trying to scam lots of people.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 someone without my knowledge or consent tried getting a personal loan in my name using my personal information I tried calling transunion to help with this to no avail
Product: Credit reporting or other personal consumer reports

In accordance with 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 Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Debt collection

Convergent Outsourcing Inc is harassing me about a debt allegedly owing to XXXX XXXX XXXX XXXX XXXX, NV. 
During an 11 month stay in XXXX XXXX, I used XXXX XXXX for about 11 months. I bought a TV and my own modem and router at XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively ( Exhibit D ). 
I hooked up with XXXX for XXXX and XXXX service. XXXX withdrew their monthly bill from my bank account for the next 11 months. 
Shortly before I left XXXX for good, I contacted XXXX to get the amount for my final bill ; it was {XXXX. I personally drove to their office, paid the XXXX} XXXX Exhibit E ) and handed over their equipment consisting of the " top box '' ( converter box ) and the handheld remote. I was assured that I owed nothing further. 
Now they ( Cox ) seem to claim that I purchased a modem from them. Why would I buy their modem ( I had my own ) and why was that modem allegedly bought AFTER my final payment? What took over XXXX years to engage a collection agency? Is n't there a statute of limitations? I have not seen a sales slip, nor an invoice, nor a proof of delivery ; nothing. Convergent claim the debt is valid ( Exhibit F ), twice, but have not produced anything other than a XXXX  ledger sheet. 
Convergent Outsourcing do not want to listen to my explanations ( Exhibits A, B, C ) and keep on harassing me despite telling them, please, not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I contacted XXXX XXXX XXXX to inform them that the account they were reporting to TransUnion and XXXX were the result of Identify Fraud & the signature on the lease agreement was not mines. I sent them a copy of my Driver 's License and Social Security card with my signature. I ask them to send me a copy of the lease agreement which did and signature is not mine, I then reach out to TransUnion and XXXX about the situation and they both have fail to remove the account. Please advise me of how to proceed.
Product: Mortgage

To whom it may concern, I am writing you and regards to recent issues we have been having with Wells Fargo 's property loss department. We had a hail storm XX/XX/XXXX which left our property in need of repairs. Our insurance company XXXX XXXX assess the damage and issued a check so we could repair the damages. Because of the amount of the damages I was told the check would be issued to Wells Fargo and me. This is where my nightmare begins. My daughter and I contacted Wells Fargo to inform them of the damage and to find out what are next steps needed to be. The lady we spoke to informed us of all the information we needed to fax over including what we needed to fax for an exemption so we could have the funds released to get the repairs done in the quickest time possible due to Winter and bad weather impending. We were told it would take 2 days for them to get the facts and then another five days for them to make a decision. We did n't hear back from them like we were told we would and called them back. We were then informed our request was denied with no logical explanation or Reason. Every time we have called we speak to somebody different who does n't know what 's going on and are told that Wells Fargo need some other paperwork we were never told we needed to send in. The latest thing Wells Fargo has requested as a copy of my personal will due to my husband passing. Wells Fargo was informed of this 3 years ago and a copy of his death certificate was sent in with the initial paperwork they requested. But looking online there are hundreds of complaints about Wells Fargo property loss department not releasing insurance claims to people. Wells Fargo has no right to a copy of my personal will nor do they have the right to deny my funds to get my property repaired. I have never been late or missed a mortgage payment at Wells Fargo does n't trust me to fix my property. I find this quite ironic considering the fraud lawsuits they 've been in recently. This whole situation has been extremely frustrating causing me a ton of worry and loss of sleep. I have XXXX grandchildren living in the house and fear everyday the roof over their bedrooms is going to fall in due to the damage is Wells Fargo is preventing us to get repaired. The repairs need to be completed as soon as possible to prevent any injury to any of my family members. I greatly appreciate any help you may be able to provide regarding my problems with Wells Fargo 's property loss department. 
Thank you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to file a dispute on Experian website. I am continuously getting an error message and Ive tried to file a dispute on the website multiple times. You sent your response to me via your online system and I have a right to use this online system to dispute information on my credit report. I am not able to except use my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I started receiving phone calls in XX/XX/XXXX from this company trying to collect on this debt. 
In XX/XX/XXXX I requested a debt validation, original creditor and purchase agreement. 
To date, I have not received any of the information I requested. 

In XX/XX/XXXX I was made aware there was a court case that populated under my name. Upon reviewing this I found this company had filed a lawsuit against me XXXX years prior. 

During my investigation I have found : On XX/XX/XXXX XXXX filed a lawsuit against me. 
XXXX was never made aware of the debt and was not served paperwork for this lawsuit On XX/XX/XXXX the court closed this case and granted a FULL DISMISSAL Oliphant XXXX to contact me and try to collect on this debt.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$24000.00}
Product: Debt collection

This is a persistent issue that has significantly impacted my credit profile, concerning your entity, LVNV Funding LLC, also known as Resurgent Capital Services. 

Upon discovering LVNV Funding LLC 's involvement in my credit history, I was surprised by the lack of prior notification or awareness regarding the reopening of a previously disputed and closed accountan action taken by LVNV Funding LLC. In 2018, when I first became aware of this account, I questioned its legitimacy and requested a signed copy of the contract associated with it. Unfortunately, my inquiries were met with evasive responses, complicated by personal circumstances, leading me to discontinue pursuing the matter. 

It is crucial to note that, although the account was subsequently closed, and the debt was charged off, I consistently disputed its validity with both the credit reporting agencies and the account holder. Despite my efforts, this issue has resurfaced, as LVNV Funding is now actively pursuing the account, reporting it as open and delinquent throughout this period. 

On multiple occasions, I have requested LVNV Funding to provide a signed copy of the contract in accordance with the provisions outlined in Virginia Statute XXXX and the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX. Regrettably, instead of producing the requested documentation, they have responded with a mere screenshot printout of the debt. They also provided a print out of a 2018 contract that is not even signed nor is it the date of when this said account was established. They are fraduantly providing documentation and this does not establish that I personally entered into the contracta central point of contention in this matternor does it specify the origin of the purchases on said account. 

Given LVNV Funding 's failure to substantiate the validity of this debt by providing the necessary documentation, I hereby demand the complete removal and deletion of the said account from my credit report. This request is based on grounds of violations of Virginia Statute, the Fair Credit Reporting Act ( FCRA ), the FDCPA, and potential defamation of character.
Product: Debt collection

On XX/XX/2020 a collection account appeared on my credit reports from I C SYSTEMS COLLECTIONS for a supposed debt of {$600.00} to XXXX XXXX. This account states it was placed for collection on XX/XX/2020. I have no recollection of this account.
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : XXXX ( Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, I called Synchrony Back because I would not be able to make my payment on time. I signed up with them since XX/XX/XXXX and I have rarely missed a payment. AfterXX/XX/XXXX, I ended up having to call them every month. I would make payments but they would also charge me a late fee. If I called them every following month they would correct it but in XX/XX/XXXX they did not remove the payment and said it would have to go through a review process when I called them inXX/XX/XXXX. I was upset, so I canceled the card with only a XXXX late fee on my card. They said they would resolve it so I hoped for the best and now they are still charging the closed card late fees, which are now at {$99.00}. They want me to pay a portion to clear the card but {$0.00} of that {$99.00} is what I purchased with the card. Every time I try to explain this, they talk in circles about when various items were posted and I have to explain why that is not the case and revert to the late fees that were tacked on versus the ones which were removed. I do not have this issue with any other card and they only recently updated their late fee policy this XX/XX/XXXX. I truly believe it is a glitch in the automated software or in their customer service training but I do not want to pay them for unjust charges or have this hurt my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  granted be two car loans account numbers XXXX, and XXXX in the last two years they refuse to report either of these accounts to my business credit XXXX XXXX XXXX or my personal credit. I have asked for an investigation to be conducted no one ever calls back. Lately, when I call every one at this bank suddenly do not speak English and hang up on me. Please help.

It is quite suspicious to me when I call to make payment everyone speaks English.
Product: Mortgage

We recently changed insurance companies. Our old company, XXXX, charged us {$11000.00} for insurance for the year XXXX. Before the policy renew was due in XXXX, we got new insurance thru XXXX for {$2600.00} a year. The mortgage company, Wells Fargo, had already paid the {$11000.00} to XXXX from escrow account and {$2600.00} to XXXX. XXXX sent a refund of the {$11000.00} back to Wells Fargo, but the money was not refunded to us. They are saying we should only get {$100.00} refund. Where is the {$11000.00}? Not showing up in escrow or mortgage accounts!!! XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with 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. 
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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 reporting or other personal consumer reports

Every time I try to put a freeze or unfreeze on my credit with Equifax my password does not work and their password reset functionality does not work, they want me to call and sell me credit additional services I just want to reset my password and be able to log in to freeze and unfreeze my credit.
Product: Money transfer, virtual currency, or money service

I have been using XXXX since 2018 with XXXX XXXX, XXXX XXXX and Chase. It was not until years later that I had to learn how to avoid scams and how it is almost impossible to get your money back once submitted to the other party. I have had issues where I deposited money which I thought would be available within seconds but took up to three business days to clear which was never even warned about the wait time until after the fact. They in fact have neglected us consumers and allowed us to be vulnerable to frauds.