23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is an obvious scam, in concert with other scam artists. I submitted a complaint on XX/XX/20 about XXXX XXXX putting a fraudulent collection put on my XXXX credit report for {$1200.00}. Complaint # XXXX. I maintained that XXXX XXXX a false address for me and posted fraudulent collection account after I had informed them via telephone ( them calling me ) that it was not my debt, I did not have an XXXX XXXX XXXX account, and that I was not behind in ANY bill to ANYONE, and to stop calling me. They stopped calling, then entered this bogus info on my credit report. I enlisted the aid of CFPB and the collection was withdrawn. They also manipulated XXXX XXXX rules to make it more difficult for me to remove incorrect info from my report. In their resolution letter, they provided a bogus phone # for XXXX XXXX XXXX, and said that they requested deletion from credit reporting. Then they apparently sold the fake debt or transferred it to their crooked cronies at Credence Resource Management, who then entered a fraudulent collection account on my XXXX report on XX/XX/20 in the amount of {$1200.00}. Since the dollar amounts are one dollar different, does that mean nobody will realize their scam? When are we in the USA going to actually STOP these scammers, instead of coddling them and giving them a slap on the wrist as long as they say nice things? XXXX XXXX XXXX is closing a credit card account based partly on this negative entry on my XXXX  report.
Product: Debt collection

History of events : In XX/XX/XXXX, I found out when I was running my credit report for a student loan that a medical bill I thought had been paid by my insurance XXXX  dated XX/XX/XXXX had never actually been billed by XXXX XXXX when I came in for an emergency due to multiple medical billing errors. 

This caused me to be sent to collections not only by XXXX but its contractors radiology associates and XXXX XXXX XXXX XXXX, so a total of three times I was sent to collections for one XXXX  room visit that covered XXXX day. 

In XX/XX/XXXX, I disputed XXXX accounts with XXXX as they were never supposed to be sent to collections in the first place. I also never received a bill or notification by either XXXX XXXX or Wakefield and Associates, the last debt collector I am having issues with still. 

In XX/XX/XXXX I tried to contact the original creditor to set the record straight when I found out XXXX XXXX XXXX XXXX had gone bankrupt when my debt was sent to collections. I have no sure way of contacting XXXX and so far Wakefield and Associates have not provided proof that this is my debt or provided me current information to contact this creditor. I emailed them asking them to validate the debt and all contact information related to the original creditor. 

In XX/XX/XXXX, a XXXX XXXX  billing associate sent the insurance information I provided a second time to the XXXX  to Wakefield and Associates without my knowledge, I'm concerned that this could trash my credit for years, even though it was a medical billing error only. 

As a result of this adverse action taken on my credit report by Wakefield and Associates I've been denied a student loan. Even if it gets resolved, I will most likely have to find an alternate means to get a student loan. The worst case scenario is I won't be able to attend university this semester because of a medical billing error I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Sw crdit systmes inc Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
Product: Mortgage

back in XXXX I had some difficulties to pay my mortgage, first and second loan I could work with XXXX XXXX services who had my two loans, they helped me with the first loan but the second loan they did nothing with, after they went to bankruptcy the second loan disappear no one could give me any information, two years later a company appear trying to collect XXXX XXXX dollars, but I did not had any money to work with them, now eight year later appear trinity financial, now they have my house for sale on XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I disputed an inaccurate account with EQUIFAX the account which is XXXX XXXX XXXX. EQUIFAX investigated and it came back verified. In XX/XX/XXXX I sent in a certified letter to EQUIFAX for a Method OF Verification, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to EQUIFAX via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 EQUIFAX got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XXXX XXXX i was notified that EQUIFAX completed their investigation with the account XXXX XXXX # XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. EQUIFAX have violated my rights and need to remove the account from my credit, I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, EQUIFAX violated laws and my rights and refused to send me what I Requested. Per the FCRA 611 ( a ) ( 7 ) for  a description of the procedure used by your company. EQUIFAX received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed all the documents so you can see that I have did my part, I am entitled for damages for your noncompliance for not following the laws and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  acquired my mortgage from XXXX XXXX  XX/XX/XXXX. When the loan was acquired the payment for XX/XX/XXXX was not credited to my account. The escalation manager told me that if I could provide a bank statement to show the payments were made, he would credit the account and remove the late fees. On XX/XX/XXXX, I provided bank statements to the XXXX XXXX  escalation department via email that showed a payment each month to XXXX from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX the late fees were removed from the account. I applied for a mortgage refinance on XX/XX/XXXX because my 2nd mortgage is scheduled to close out XX/XX/XXXX. The refinance was denied because my credit report showed I have 30 months of late mortgage payments. Around XX/XX/XXXX I informed XXXX of the issue and they sent me a letter that stated the payment for XX/XX/XXXX was missing. I told them that I submitted my bank statement as proof that the payment was made and the late fees were waived. I was then informed that I need to submit a copy of the credit reports to them. So on XX/XX/XXXX I submitted a copy of my credit reports to the customer care email. Approximately a week later they uploaded my payment history to XXXX but did not correct the late payment status. I was again denied a refinance loan by XXXX XXXX  and another lender because of the late payment status. XX/XX/XXXX I spoke to a credit manager at XXXX and was told I had to fax my bank statements to them, so I faxed them my bank statements that day. I followed up with a phone call a week later and XXXX would not discuss the status over the phone. I had to call them once I received their decision letter. On XX/XX/XXXX I received a letter dated XXXX that stated the payment for XX/XX/XXXX was missing. I called XX/XX/XXXX and spoke to an escalation manager and was told I had to resubmit my bank statement and highlight all the payments. I informed her of the history and emailed the bank statement with the highlights she requested. I was informed it will take XXXX business days for a resolution. Mean while XXXX who can see my history will not approve me for a refinance, despite knowing the issue and the fact that I am current with payments for both mortgages. The main mortgage is showing current since XX/XX/XXXX which doesn't make sense. I'm currently trying to refinance with a credit union. Praying they will approve everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against the TransUnion credit reporting agency. I had a negative payment status on my report from an XXXX XXXX credit card. I disputed this with XXXX XXXX and they updated the status. I then reported this to the three main credit reporting agencies. XXXX and XXXX updated without issue. TransUnion did not. I have filed XXXX online disputes regarding this matter with them, as well as mailing in documentation from XXXX XXXX showing the XX/XX/2021 was not 30 days late. They have refused to update this status, and every time they finish the results, because they wont remove it, the other credit agencies also add it back on to the their credit reports as well. This is beyond frustrating, and it seems TransUnion is either incompetant, negligent or just unable to correctly handle credit issue and disputes.
Product: Credit card

Capital One credit card. I linked my XXXX XXXX XXXXXXXX checking account and XXXX XXXX equity account via ACH to Capital One via Capital One. Capital One reported no issue and transfers from XXXX XXXX XXXXXXXX work correctly. I initiated a new transfer on XX/XX/XXXX from XXXX to pay the Capital One account, Capital One credited my account on XX/XX/XXXX, however XXXX did not show the corresponding debit as the ACH transfer request did not process correctly, so Capital One debited/reversed the amount on XX/XX/XXXX then locked my account. I paid off the Capital One credit successfully instead via XXXX  XXXX XXXX so have XXXX balance left with Capital One. Capital One refuses to release my accrued Rewards amount and insists on showing them " proof of payment '' from XXXX, but since it was never processed at XXXX and they reversed it on their end all I could show was the XX/XX/XXXX XXXX statement showing no activity with Capital One. Multiple calls have failed to resolve this, I believe they simply do not want to pay out the Rewards value and are using this event as an excuse to not pay me the accrued Rewards value. There was no fraud as I am the owner of both accounts, there were sufficient funds in the sourced account, the mistake was entirely on their end ( they credited a value before confirming the transfer was successful, and incorrectly said the ACH was setup correctly when it apparently was not ) and they are asking for proof of a payment that does not exist so is impossible to fulfill. I strongly recommend that all customers should avoid engaging in any business whatsoever with Capital One, toxic combination of mendacity and incompetence.
Product: Credit card or prepaid card

I have a Capital One credit card which I use and payoff each month so I don't carry a balance. Back in XX/XX/XXXX I decided to use one of their promotion loan offers to buy a pool liner. I took a loan, via an Access Check, of {$4000.00} which had 0 % interest if paid off in 18 months. I calculated that I would need to pay an extra {$230.00} a month to make sure the loan was paid off prior to 18 months. So, each month when I got my bill/statement I would pay {$230.00} extra on top of the total transactions that were listed on that statement. This way I would continue to completely payoff my credit card each month and also pay an extra {$230.00} which I assumed would be applied to the {$4000.00} loan. 

Now it's XX/XX/XXXX and I wanted to make sure I was on track to paying off the {$4000.00} loan prior to XX/XX/XXXX so I looked closer at my statements and I realized that there is no indication of how much I have paid off so far on my loan and how much I still owe on that loan. So, I called Capital One and after talking with a customer service rep for an hour or two she decided that she was unable to fully help me with my questions. So, I asked to speak to a supervisor and when I did I was told that even though I am paying an extra {$230.00} for each statement, only the minimum payment for the statement is being applied to the loan and then the rest would be applied to transactions that occurred after the end of my statement and prior my check being processed by Capital One. This means there is no way for me to know how much I need to pay for a statement so that {$230.00} goes to the loan. 

I asked how a consumer like me is supposed to calculate what payment I need to make for a bill to be sure I pay off {$230.00} from the loan and he said the best thing to do is call Capital One and ask what is the current balance on the credit card. But that still wont always work either since it takes time for my check to reach and be applied by Capital One and in that time more credit card transactions could come into the account. The supervisor said that his explanation is all in the terms of the loan. 

So, there is really no way for a Capital One consumer to know how much they would need to pay for a bill to ensure that a loan that has a interest free deadline is paid off in time. And there is no way to known how much the loan was reduced with each bill payment. 

This feels wrong to me since I assume this would lead to most consumers not paying off the loan in time and incurring all the accumulated interest on the loan.
Product: Credit reporting or other personal consumer reports

The company is XXXX  and they update old accounts from years ago.when new companies purchase the same account with updated dates either multiple times from different companies who brought the old accounts as current. And its false information. And im having a hard time clearing this issue
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Payday loan, title loan, or personal loan

I received an offer by mail from mobile loan. They offered me a pre qualified loan and at the time I filled out the application online. The result was a denial and they E mail blasted my personal information social security number bank card information all of the personal information you would normally associate with a loan to 68 payday lenders for their review. I felt the tactic was misleading to say the least and dangerous to my personal information to say the most. This kind of misleading advertising should not be allowed. I would like to see them honor the Offer they put out are at least stop these misleading mailers. 
Regards, XXXX XXXX
Product: Credit card or prepaid card

Hello. 
Around XXXX I was paid by XXXX by my employer and was at home and asleep in bed when that money from my job was loaded to my direct deposit card. As I awoken at XXXX. I turned to call my partner from my cell phone shortly after we hung up I went to check my phone around XXXX to discover at the same time my card was hacked around XXXX to about XXXX three illegal transactions were made one was for XXXX the next was for XXXX XXXX all from a XXXX in XXXX. Mind you I am about 10 to 12 miles from XXXX XXXX XXXX. And its would truly be impossible for me to be in two places.. my gf helped me look up the bank it happened at around XXXX she called in my behalf to see if she can possibly find out if the camera at the at it happened at caught the person but they refused to tell her anything if course. But at the same time at XXXX I went to my employer and had to pick up my proof of XXXX check stub to prove this account was my account that got hacked.. I was told they needed my pin but knew this happened to me before from a security guard company that also had eazy to hack pay roll cards cus I was hacked from an entirely different state 3 years back and the money was return months later. But in this issue it happened so fast I wasn't able to freeze it because it happened as I was looking to make an in home bill payment and didn't even process it because there was only XXXX left in my payroll card account. I called the US Bank focus card customer service hotline to start the dispute but they are lagging to send me any documents to prove this information as fact the are doing the investigation but how is it that me and my XXXX  XXXX figure this out faster then my payroll card company I was XXXX. I gave no one my card info or my bank pin to use this so my only fear is that this person whom ever they maybe has been either using an old cell phone that was stolen month back which did have info but not my pin but how idk I am aborting this issue because my phone was stolen at a job site then I have a new phone and secure all info with protective codes. So for this hack to happen at an early morning time where I can prove I was home the whole time makes no sense by the end of the day I am left feeling robbed pushed aside and insulted over this action of fraud an false identity and illegal transaction of thift.. 

This happen at XXXX XXXX .early.friday morning XX/XX/2022. I was home. Please help me
Product: Credit card or prepaid card

Koalafi offered me a credit card product around XX/XX/2022, for the purpose of a home renovation project, without a true dispute process as described in Regulation Z. The loan was activated by the merchant prior to project completion in early XX/XX/2022. Merchant originally made good faith effort to finish the project. In late XXXX, Merchant began avoiding obligations to finish project ( vague responses for when outstanding goods would arrive, and no response on when punch list items would be completed ) As of XX/XX/2022, merchant had not delivered all good/services as promised to the customer. Customer was unable to reach merchant with any firm updates for the goods/services. A call was placed to Koalafi stating the dispute ( similarly to how it is outlined in the complaint ), with Koalafi affirming that they are not responsible for the merchant, and I as the customer am still obligated to make payments. Koalafi quickly reminded customer of loan agreement. 

On XX/XX/2022, merchant responded to customer, proposing a plan going forward. 

On XX/XX/2022, Koalafi contacted both merchant and myself, on separate phone calls. Customer stated that at this time, Merchant has proposed a plan and timeline to finish the project. Koalafi implied during this conversation that they are under no requirement to provide resolution or further investigation, and reminded the customer that payments are still required. Koalafi also stated that if the dispute were to arise again, the same process of phone calls to the merchant and customer would repeat, regardless of resolution on either end. 

Based on this dispute process and phone call conversation, it does not appear that Koalafi provides any protection to the customer, nor does Koalafi believe that any governing laws apply to them. 

References : Per the TRUTH IN LENDING ACT ( REGULATION Z ), " issuers must investigate and resolve certain billing errors, including a transaction reflected on a periodic statement involving goods or services that the consumer ( or representative ) did not accept or was not delivered or was not delivered as agreed. " Per the attached lending agreement with Koalafi : If, after any such good faith effort to achieve resolution with the Merchant, you are still dissatisfied, you may contact Servicer in writing at Koalafi, XXXX XXXX XXXX, XXXX XXXX, VA XXXX, or any other address the Servicer may designate, and we will investigate the matter. During the pendency of the investigation, you must still make any payments owed under this Agreement. Once our investigation is concluded, we will make a determination regarding any amounts you continue to owe under this Agreement. If, following ourdetermination, you do not make payments that we confirm are owed under this Agreement, we may report you as delinquent.
Product: Debt collection

On XX/XX/2023, I sent a debt verification letter to LJ Ross Associates disputing a debt. I specifically asked for the company to validate the debt. However, the company has failed to respond for more than 60 days.
Product: Mortgage

Wells Fargo refused to pay the homeowners insurance out of the escrow funds causing the homeowners insurance policy to default. It was that way for an entire year and then they went back and placed a hazard insurance policy on the account retroactive for 1 year when there was actually no coverage and charged me thousands for a policy that was not ever in place. That caused for years of higher premiums as the original policy could not be reinstated due to cancellation by default and the new policies penalized me due to the original policy cancellation.