23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing in frustration against a company which has placed me for collection, HARRIS & HARRIS , LTD. they have refused to understand the fact that I am a fully insured patient and I have been incorrectly billed for an ambulance ride which is covered under my MEDICAL 100 %. I have fought long and with XXXX XXXX Hospital and this collection agency. I have submitted and resubmitted my insurance to them many many times and still they harass me with unending phone calls, letters and threading letters in red! I am also going to hire a lawyer and sue this company for ignoring my please for them and the Hospital to contact my Medical. I about had a XXXX XXXX and this is how we are treated? I am lucky to be alive and this is 100 % covered and this company is lying tremendously to collect and recollect the same debt hoping I don't find out. I am sure and I suspect that my insurance was billed and thy are just double billing me because they are a disgusting company! 

I am going to sue them and the hospital for damages to my mental health and to my credit report! after submitting my insurance information and disputing their collection they refused to follow FDCPA laws and cease and desist calling and harassing me. They made matter worse by placing collections on my credit reports and dropping my score over 80 pints! I was not able to get a car because of them and I am going to definitely pursue this in the court of law.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Dear XXXX & Equifax, I am writing just to make some corrections to my credit report, specifically addresses and places of employment. Some of the information provided will either relate to Equifax or XXXX, not always both! 
INACCURATE ADDRESSES ; XXXX. XXXX XXXX XXXX XXXX, XXXX, IL. XXXX XXXX. XXXX XXXX XXXX, XXXX, IL. XXXX INACCURATE EMPLOYMENT ; XXXX. XXXX XXXX XXXX INACCURATE NAME SPELLING [ XXXX ] XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX Please delete all the inaccurate information that is listed in my Consumer report that You see listed here above. Thank You!
Product: Debt collection

I had cable & internet services with XXXX XXXX from XXXX to XXXX and during the course of my time with them I had several issues with my internet connection, and they sent technicians out to my home in which they would switch out the cable box. They were supposed to be logging them in the system that they were returned but they did not! When I moved in XXXX and my services with XXXX XXXX was transferred, they then added {$2000.00} to my bill! I contacted them to inquire why this amount was added and then they told me that I was in possession of XXXX cable boxes! I proceeded to tell them that this is INACURATE information. I never had any extra equipment in my possession, other than the one that was currently hooked up in my home. I then proceeded to tell the representative that I don't have the equipment and never had the equipment ... I told her that our cable boxes were changed out several times over the years and the technicians took the old boxes after they would switch them out. She proceeded to tell me that this happens often where the equipment isn't logged in and the customer is charged for the equipment, even though they don't have it. I asked her what do I need to do and her solution was to just keep calling and telling customer service representatives that I do not have the equipment. I did not have time to continue to do this and didn't have money to pay the enormous bill, so my services were cancelled. XXXX years later, Credence Resource Management put {$2300.00} on my credit report on behalf of XXXX XXXX. I sent a letter asking them to provide certain information such as : - Name and mailing address of the original creditor - The date you acquired this alleged debt - The date of first delinquency on this account - Proof that your company is licensed to collect in Virginia- The original balance owed on the account - A breakdown of any interest, additional charges, or fees your company has added to the account - A copy of the notice you sent me regarding my rights to validate this account before you presume it is accurate to the credit bureau They did not provide all of this information ... I want this to be investigated as to what happened to the equipment. Where are the reports that the technicians did when they came to my home to service my internet. There should be reports of what they did and that the equipment was replaced. This equipment is probably sitting in their warehouse or has been destroyed, and they want me to pay the bill instead of doing a proper investigation on what happened with the equipment. I appreciate any help you can provide to help resolve this issue. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report ( Report Number : XXXX in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i, and to demand immediate correction. My dispute mirrors systemic issues outlined in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian ( filed in XXXX  ), where the CFPB alleged Experian failed to properly investigate consumer disputes, used flawed automated systems, and retained demonstrably inaccurate information. 

Inaccurate Items Under Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Error : balance/payment history/status/ownership Legal Basis for Dispute : As highlighted in the CFPBs lawsuit, Experians failure to conduct reasonable investigations and reliance on automated systems to dismiss disputes without proper review violates the FCRA. Despite my prior disputes dated [ Insert dates of prior disputes ], Experian has failed to correct these errors, which directly harms my creditworthiness and violates my rights under federal law.

Immediately remove all inaccuracies listed above and provide me with an updated credit report.

Disclose the method of investigation used to verify the disputed items, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Confirm in writing that the errors have been resolved and will not reappear on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protecting consumers rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information. Any other adverse item of info, other than records of convictions of crimes, which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shut up, furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the info is inaccurate.
Product: Debt collection

XXXX XXXX/Freedom debt relief. 
My husband and I, signed up with this company to negotiate with creditors for XXXX accounts. We canceled this because we found out, our money being deposited to XXXX XXXX  ( our dedicated account ) every month, directly from our bank, only took money for their fees, and only XXXX small accounts, were negotiated and paid!!!! 
We have documents that can prove all this and our 3 credit bureau files. We are yet again, victims of fraud and scams.
Product: Debt collection

I received a loan from Solofunds, which had not been repaid. Solofunds turned me over to XXXX XXXX, a debt collection company. I was able to set up a payment plan with XXXX for the total amount owed of {$780.00}. The payment plan was for {$50.00} every two weeks beginning on XX/XX/XXXX until the total debt was paid. Not only did XXXX debit the first payment of {$50.00} from my bank account, but Solofunds debited the entire amount of {$780.00} from my bank account. I called XXXX first and explained what had happened. They suggested I reach out to Solofunds, to let them know I was working with XXXX and had a payment plan set up, and to request a refund. Solofunds does not have a telephone number you can use to reach out for support, just an e-mail address. Despite multiple e-mails to Solofunds, they have not responded to me or attempted to assist with this situation. I believe turning me over to a collection company but then collecting on the entire amount to be unfair debt collection practices. The lack of communication between Solofunds and XXXX is unacceptable. The " double-dipping '' of funds is unacceptable. The lack of communication to individuals from Solofunds to resolve problems is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C No 95-cv-01743 ). 

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the 3 CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on EQUIFAX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX**** allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

File # XXXX : On XX/XX/XXXX I received a letter with the intent to foreclose on XXXX XXXX XXXX XXXX AL XXXX ; due to non-payment to the alleged debt collector acting as the second mortgage company XXXX Specialized Loan Services ). SLS is attempting to collect a debt that had been mishandled in XX/XX/XXXX ; by XXXX XXXX  via the original mortgagor XXXX. On XX/XX/XXXX, I agreed to a structured settlement for 80 months at {$320.00} with SLS. Unknown to me ; this settlement was indeed deceptive because it was agreeing to the original deed on file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX deemed the deed on file as non-valid. Specialized Loan Services source of debt is false because it stems from a loan originally financed for {$130000.00} to purchase XXXX parcels of land. The HELOC financed by XXXX was at the cost of {$26000.00} to purchase approximately XXXX acres. To no knowledge of myself the parcels were never recorded in my name and consequently were sold at a tax sale in XXXX. 

At the start of the original loan XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX department only recorded XXXX of the XXXX parcels rendered on the deed # XXXX. The parcels funded to cover the HELOC were rendered non valid. Thus, the only purpose and the intent to agree to the HELOC at original price of {$26000.00} was to purchase the exact XXXX parcels that were deemed non valid for title transfer by the XXXX XXXX XXXX. This resulted in me having a mortgage on land that was not mine to claim since the first mortgage payment. Essentially SLS is knowingly and willfully attempting to collect on a contract that is a negligent misrepresentation in real estate. There were multiple contract violations of the law and or deceptive practices that were attempted to collect. Presently, I have a case against XXXX XXXX of XXXX for selling these parcels without my knowledge. I demand the following points be answered to close this matter. 

1. Is SLS aware the original HELOC contract was void due to the parcels listed on the contract have been rendered impossible to fulfill and are void,? 2. Given the information in the body, can SLS provide law that gives them the right to collect on a non-lawful contract? 
3. There were no second mortgage notices sent to the XXXX XXXX XXXX Address on file since XXXX sold the HELOC to XXXX approximately XXXX timeframe. Can SLS produce bills sent to the residence from XXXX to current? 
4. Can SLS produce all payments applied to the HELOC prior to the default?

5. What date did SLS accelerate the loan?
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) 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 properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't agree with the Experian Ruling on my credit report from XXXX XXXX XXXX. It is based upon one single late payment in a 16 year credit history. This late payment was because of a divorce and subsequent change of address and one single failure to pay because my ex wife and a fraud was on this card, the reason why I failed to pay was because of an XXXX XXXX committed with my financials concerned at the time, both of which purps are still in business. The failure of XXXX XXXX XXXX to let this go shows great animosity on the behalf of the XXXX XXXX and a failure of fair reporting. One late payment which is now over 6 years old should not be affecting my credit report for this long nor should it bring it down by 60 points. Can you regulate them properly now? 
Thanks. 
XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, Equifax and XXXX, 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 XXXX has neither corrected nor removed
Product: Credit reporting, credit repair services, or other personal consumer reports

During the hurricane Irma. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # : XXXX Date Opened : XX/XX/2021 Balance : {$190.00} This is a charge off account but it still has reporting balance. XXXX is not reporting and the payment history is showing multiple charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company placed an inquiry on my equifax report twice without my consent, while this inquiry was removed from XXXX  due to fraudulently using my information such as social security number.
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. Account name : XXXX/ Account # XXXX, ( XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX  XXXX # XXXX ( XXXX XXXX  XXXX # XXXX ) U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Debt collection

I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Found on my credit report in collections for {$830.00} XXXX / XXXX when contacted the information they provided was not for me ( out of state account ) - i have spent my entire life in the state of california
Product: Credit card or prepaid card

In XX/XX/2021 I made a mistake by sending a balance transfer payment to Apple card from XXXX. I called Apple regarding the situation and they told me that they could do a payment dispute which would send the money back to XXXX which is what I wanted. The transaction was reversed on XX/XX/2021 but the funds were never credited back to XXXX. After 2 payments disputes to figure out where the money went and me calling several times, I finally got a resolution but the one I wanted. Apple card supposedly sent the funds to an account that did not belong to me which I don't know how that was possible. After two months and several calls with managers and complaints, Apple card sent me a cashier 's check for {$2000.00} on XX/XX/2021. Because they sent me a check instead of crediting XXXX, XXXX was not able to reverse my {$78.00} transfer fee. I have called many times of this issue and no one at Apple card takes responsibility and I can not hold anyone accountable. It should have never taken 2 months or a payment dispute to have my money refunded. I have asked for someone with authority to call me regarding the issue and not once have I received a call.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX i was sent a text message from affirm alerting me that they had not received my payment so i logged in and made a payment. Unbeknown to me the payment i had previously scheduled to pull on XX/XX/XXXX also went thru in the amount of {$150.00}. so i made XXXX payments totaling {$300.00} on XX/XX/XXXX which is a XXXX. i notice right away on my bank account that both payments had pulled from my checking account and saw they were pending. I contacted Affirm on XX/XX/XXXX XXXX business days from XX/XX/XXXX and they advised me that they do no submit refunds of payments that are more than 3 days old. I escalated the call knowing as i work in American banking for a private lender that this is not accurate, and XXXX XXXX stated that no they would not give me a refund because it was more than 3 days. well if you are counting XX/XX/XXXX is XXXX business days from XXXX exactly and nowhere in the XXXX do people refund payments while the payment is pending, typically you have to wait XXXX business days until the payment posts before you can request a refund well not in affirms policy they refuse to refund me and now i am unable to maintain my financial obligations with my other bills this month in XX/XX/XXXX because affirm wants you to request a refund while they payment is still pending. I will never do business with affirm again, i am so upset that they would treat customers this way. i did my due diligence and made my payment by scheduling it for when i got paid, affirm took that payment and then asked me the same day for the same payment again so i complied and when i ask for the 2nd payment back they state they refuse. Shut them down. How are we as consumers supposed to survive while we are constantly being exploited by these corporations. Knowing this is not typical business practice i advised them of such and asked them for an employee id they refuse only giving me the name XXXX, this is how a supervisor acts?
Product: Credit reporting or other personal consumer reports

XXXX : To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.