23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Started with a hospital visit & billing error by XXXX XXXX XXXX XX/XX/XXXX. Hospital failed to submit the proper claim through my insurance company & was charging me the full bill. Took them almost until XX/XX/XXXX to fix the problem, all I owed was a {$150.00} copay. Hospital never sent a bill but instead, reported & sent me to collections. Company is called Harris & Harris LTD out of XXXX IL. I paid the {$150.00} bill online XX/XX/XXXX after I requested a proper bill with the correct amount for my records. I am still getting collection calls on my cell phone. I have faxed & notified them verbally to stop the calls as the amount owed has been paid. Harris & Harris phone representatives are extremely rude & pushy insisting I have n't paid the {$150.00}. No one will take ownership and keeps transferring me to different people ultimately ending up with the same fax number to fax my proof of payment. The harassment has gotten so bad that I no longer pick up my phone when I see their number on my caller ID. Least they can do is offer to verify payment & make the proper corrections. Or at least, be pleasant on the phone, I do not owe them money & therefore need to be treated right & not as a deadbeat. All because XXXX failed at its obligations to properly process my claim & send me the correct {$150.00} copay bill.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I made several calls to Experian to resolve an issue of a debt that was appearing on my report while applying for a home. Experian reported not seeing this debt, yet I have it in front of me when a hard pull was initiated from the mortgage company. The debt was paid years ago and it is still reporting late. Also, the case of XXXX was resolved years ago as I completely furnished proof that XXXX was in the wrong and I have been fighting with XXXX about this issue with the promise of XXXX resolving this being on my report. Yet again, XXXX has hired a third party collector for the fourth time and it is on all 3 of the credit bureaus. Please see previous dispute with XXXX on this matter through consumer finance. After being transferred several times, I keep getting 'disconnected ' from the agent. I have provided proof numerous times about XXXX showing vast amounts of emails where XXXX states I owe nothing. This was 3 years ago. Additionally, I have a ghost credit being reported as very very late, yet I can't see it and it's been paid. Could someone please remove XXXX again ( this needs to stop as it is seriously lowering my credit worthiness. ) My credit reports all show that I have never been late on anything, yet I have a score of XXXX with the mortgage using its own algorithm. I'm tired of constantly being 'disconnected ' and need this resolved asap.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/2020 with each credit bureau regarding inaccurate/fraudulent accounts. It has been more than 30 days and I have not received a response. I was under the impression that the credit bureaus had 30 days to complete an investigation and if they failed to do so the accounts had to be deleted. Well since it had been past 30 days, I sent each credit bureau a no response letter this was XX/XX/2020. I still have not heard anything from them, I have not received any results or any notification that an investigation had even started. I am becoming frustrated and thinking about filing litigation because the credit bureaus have been ignoring my disputes and that is not cool at all. I was a victim of the XXXX  data breach so I don't know who got their hands on my information. Please delete the accounts immediately. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Payday loan, title loan, or personal loan

I have no idea what this Possible Financial company is that is reporting a negative balance on my report. I have never signed up for a loan in person or online with this company. I have tried to ask for complete verification of this debt, but to no avail. As a requirement of the Credit Bureau and the CFPB debt validation requirement, please detail your firms process of verification and validation for each disputed credit item, and remember, I am following all regulatory rules. See attached formal dispute and complaint.
Product: Vehicle loan or lease

I was at the car dealership for about six hours. I had bad credit and I was looking into buying a new car. They eventually found a lender who asked for many different documentation types than I 've ever had to provide and, after being exhausted from being thrown numbers and needing to get home to my kids, I ended up with a car that had a purchase price of {$26000.00} that I put down {$3000.00} cash AND a trade in of a car appraised at {$15000.00} and my payments ended up being {$530.00} with a XXXX XXXX interest rate. That was adjusted after the fact as well. My debt to income is highly maxed and beyond and I am now stuck in a loan in which I can not get refinanced due to the inability to keep up with the payments and their customer service being horrible. I had explained that I had medical issues and I just wanted to find out how to get caught up. That apparently was not good enough and I was told I was being too " vague '' about my situation. They had already repossessed my car and I had never received a right to cure notification. At one point, someone told me that it had been returned but another denied the statement. I feel that this company, who seems to have already settled a claim in New Jersey and another state, for this same time of practice by extending credit to those who they know are unable to make these payments combined with a highly pressured sales tactic targeted to those with bad credit looking for options. I 'm not looking at losing my car and had a decent credit score before buying this car. I want out of this loan but have no options and am now paying for the repercussions of this loan signed almost in duress.
Product: Vehicle loan or lease

After two years of requesting a 1099c to claim said car loan for personal income, XXXX I have not received anything. The company has been sold twice. In XXXX the company use my credit score for charge off for 12 months three months of which repossession then the company was sold after a CFPB claim was submitted against the company West lake which was XXXX XXXX now turned into something else based off of the documents that I have provided
Product: Vehicle loan or lease

I financed an use vehicle on XX/XX/XXXX.which turns out to be a lemon. Within the 1st week I had to return to the dealer 4 times because of engines problems. By the 3 week, I explained to the dealer that the vehicle they sold me a lemon and I wanted to return this vehicle or give me another one. The dealer informed me that they can not do trades. I continued to have issues with this car. It finally broke completely down. So I told them to come pick up this car from the mechanic shop ( 6 months later ). During this time I was still making my {$320.00} payment every month till the vehicle broke down. At this time I did speak with Nicholas Financial regarding all the mechanical issues I was having but they informed they could not reverse the loan. 

Now Nicholas Financial is reporting on my credit that I owe {$7900.00} for this lemon. I never received any type deficiency notice from them. Nicholas Financial also reporting payment history for XX/XX/XXXX and XX/XX/XXXX like i still have the vehicle, which is definitely affecting my credit.
Product: Consumer Loan

I had an auto loan with Wells Fargo- originated when I lived in NY and purchased a vehicle there. I lived in VA when I paid off the loan, and received a letter from Wells Fargo at my Virginia address stating they would send me the title at my VA address. That did not happen. This week I purchased a new car and need to transfer the title to the old car, the one I bought with Wells Fargo loan. VA DMV says Wells Fargo maintains an e-lien hold on it and Wells Fargo needs to remove it. Wells Fargo says this is an issue for NY. I have no way to get my title cleared at VA DMV ; both NY and VA insist this is a Wells Fargo issue. I have been in to several branches and spent hours on the phone with these people over several days. 

I am bounced from one " team member '' to another with nobody able to help me. They are taking advantage of me and waiting for me to give up instead of fixing the problem.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/year>. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX XXXX XXXX XX/XX/year> Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it my concern, I am writing to update/correct my personal information on file with your company. 

Please Update my address : XXXX XXXX XXXX XXXX XXXX, AR XXXX Please update my name : XXXX XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX I do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

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

XXXX  XXXX XXXX is a collection agency collecting for XXXX University in the amount of {$4100.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my credit report due to identity theft. I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report for your reference. 

The account in question is as follows : - **Account Number : ** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I believe this account does not belong to me, as I am a victim of identity theft. I did not authorize any transactions or open any accounts with this creditor. 

According to the FTC Identity Theft Report, I request that you investigate this matter and remove this fraudulent account from my credit report. Under the Fair Credit Reporting Act, I am entitled to free disclosure of my credit report and error correction for fraudulent information. 

Please let me know if you require any further information or documentation to resolve this dispute. I would appreciate your prompt attention to this matter and confirmation of the actions taken in response to this letter. 

Thank you for your assistance.
Product: Payday loan, title loan, or personal loan

I have a title loan with XXXX XXXX and I have been trying to pay it off by making larger payments. They way they structure their loans and limit your payment options it is almost impossible to pay off the loan. I borrowed around XXXX a year ago, and so far have paid well over XXXX to them- but my balance is still over {$3000.00} I cant even give actual amounts, because their customer dashboard only lets you see what payments you made, not the balance owed. 

This month, I paid them {$1000.00} to get the loan up to date because they said I was behind a payment. The next week I wanted to pay {$600.00} toward the principal. I called them, abd they said I couldnt do it online, or on the phone because they can only take 2 payments a month that way, and since my last payment was XXXX they were counting that as two payments. They made me go through XXXX XXXX ( which charged a hefty fee for payment ). 

Today I looked at my account, and even though I called them in advance, and marked on the payment through money gram that it was to be applied to the principal- they applied it toward my next payments due ( on XX/XX/18, and XX/XX/18 ) which means that most of it again went toward interest. They now show me having a next payment due in XX/XX/2018. 

I cant see how I will ever be able to pay off this loan, if every payment made gets applied to future payments. They are taking interest they are not entitled to take, and keeping me in debt by refusing to allow me to pay off this loan.

I would like someone st the CFPB to review my case and see where this has happened, and how much I should really owe at this point so I can get this paid off. I am not rich, and I have to sacrifice in other areas to make these additional payments. I deserve for my extra payments to be used to pay off the loan. 

There are many others who have similar complaints. I would like the CFPB to look into loan marts practices, and force them to work with consumers to reduce the balance on their loans when additional payments are paid, and to be more transparent in displaying the loan balance. I shouldnt have to call each time to ask for the balance on the account.
Product: Credit card or prepaid card

When I tried to use my prepaid gift card I checked my balance and noticed three charges of {$20.00} each another one for {$7.00} to XXXX XXXX in XXXX XXXX  XXXX. I live in XXXX and I have never made an attempt to purchase such app and I do not live in XXXX XXXX  XXXX. And the Amex XXXX was given to me as my birthday gift to use at XXXX XXXX in XXXX. 

I immediately contacted the Amex XXXX XXXX at XXXX and reported that someone had used my card. I was informed it would take 45 days to clear and would receive a new card. But instead, I received an email stating my dispute was not approved for unknown reasons and that case has been closed. 

Dispute Case No XXXX Thank you so much for helping me with my case. I am extremely disappointed in how my case was handled by Amex XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Good day this is the third time I'm writing in regards of this issue and although I've gotten this message below but yet when I checked my credit report the XXXX XXXX  account was still reporting would kindly please remove it thank you to show more how this Account does not belong to me the information on there dos not correspond with all 3 bureaus. pleas remove it it's really holding me down in life. and I would also like to remove the inquiries on my report, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. 

, DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Name - REMOVED Address - UPDATED Telephone number -REMOVED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX-DELETED XXXX XXXX XXXX XXXX-DELETED Maintenance was performed on the following accounts and/or public records. XXXX XXXXDELETED XXXX XXXX-DELETED XXXX XXXXDELETED XXXX XXXX-DELETED Other miscellaneous actions take based on your request were : Inquiry - DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never stopped to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this item several times with no success of this item coming off my XXXX credit report. I have had it removed from XXXX because the debt is not mine. this is very frustrating as I am trying to purchase a home and have debt that is not mine on my credit report that is affecting my credit score.
Product: Credit card or prepaid card

I'm and writing this just after talking with Goldman Sacs about my apple card. ( Date XX/XX/2021 ). 

So I was down in XXXX for a business trip back in XXXX. I used my apple wallet to pay for a few things totaling no more than {$140.00}. Every time I use my apple wallet it pulls from my apple cash first and then if I don't have any apple cash it will pull from my checking account ending in XXXX. 

Well this time it randomly decided to pull from my apple card instead of my apple pay. 

After making the purchases I never thought about them again! Especially because I have every single bank account on autopay ( not that it would matter for this account because it should of pulled from my checking ). 

Almost 2 months later I sign into my XXXX  account to track my credit score I saw I had 1 account ever late. I freaked out because I take my payment history and credit very seriously ( I have never in my life missed or came close to missing a payment ).

I never got 1 notification that I had a payment due or that I was even late. 

It's crazy because you can clearly see I have barely used the card besides a handful of transactions when I first got the card.