23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX had taxes taken XX/XX/2019. Wages garnished starting XX/XX/2019. Have call multiple times to find out the pay off / settlement amount of loan with no response. Left an Email XX/XX/2019. No response!!!! Haven't been sent any statements regarding balance or amounts taken. Deferment refused due to not consolidating my loan with my wife 's. My wife doesn't have any loans. They admitted they made a mistake and than started taking wages.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance {$0.00} SELFINC/LEAD XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$910.00} XXXX XXXX Balance {$710.00} XXXX  XXXX XXXX Balance {$510.00} XXXX XXXX Balance {$1400.00} XXXX XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Balance {$440.00} XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX CO XXXX Balance {$2800.00} XXXX CRED Original Creditor : FIRST XXXX BANK XXXX XXXX {$770.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX Balance {$160.00} CREDENCE RESOURCE XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX & XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance {$370.00} Chapter XXXX Bankruptcy XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/2018 I was removed as an authorized user on my mothers credit card by her request. I tried to remove myself from the account but was told only my mother could remove me. After she had me removed from the account it still stayed on my credit report. The balance of the card was {$9900.00}. It had a minimum monthly payment of {$310.00}. She has since paid the card down, but there has been no reporting on the account since XX/XX/18. It is just stuck on my credit report as a maxed out card. I have contacted the company several times to ask them to remove the account from my credit and they refuse. They will only talk to me if my mother is also on the line. The first few times we called they said the issue was corrected, after several months of it continuing to go uncorrected after their assurance it would be corrected, we were told there was nothing further they could do. They told me I have to dispute the account with all the credit bureaus. When I asked them to send me a letter confirming I wasnt on the account so I could send it to the bureaus they again refused, stating they had no letter they could generate to comply with my request. All they were willing to do was let me record them stating I wasnt on the account.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX our family lost everything to Hurricane Ian. Our vehicle included. 

In XXXX of XXXX my credit report reflects 1

9 hard inquiries for an auto loan. Every. Single. Inquiry. Is from a bank or car dealership for an auto loan. After a national emergency, without a lot of money for a down payment in a market where EVERYONE needs a new vehicle, thats a lot of denials. Hence multiple inquiries. 

All of these inquiries are for the SAME TYPE OF LOAN in a 15 day period. 

All of these inquiries are showing as individual inquiries on my credit report, rather than one hard inquiry. So instead of 1, I have 19. 

In an attempt to report this and have it corrected I called Equifax. XXXX was the representative I spoke with. After explaining the situation, he told me there was nothing he could do ( likely because it was close to closing time for the Equifax call line ) and that I was wrong about multiple inquiries of the same type only counting as one inquiry. He stated that it only counted as one if it came from the same company. 

Because it makes sense that the same company would need to make hard inquiries on your credit report with in a fifteen day period. 

My response was that this was not the case, and that I understood the way it worked, I just needed help with how to file a dispute about it. XXXX informed me that just because I read it on XXXX didnt make it true. 

Art this point I requested to speak with a supervisor. XXXX denied my request stating that I did not have a valid reason to speak with a supervisor. I requested a supervisor once more. 

After MULTIPLE ( 10+ ) requests for a supervisor, I was no longer able to keep my cool, and fell into their trap of using choice words to which XXXX responded by hanging up the call.

All of this a result of trying to do about filling a dispute properly. Atrocious behavior from a Customer Service Agent.
Product: Mortgage

Bank of America processed my monthly mortgage payment twice on XX/XX/2020 which resulted in duplicate payments. On XX/XX/2020 XXXX payments each {$3900.00} USD were deducted from my checking account. I have raised a ticket immediately, infact I raised 3 tickets and called them 6 times but no action has been taken yet. It's been more than 15 days since I filed the first ticket.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX XXXX XXXX XXXX XXXX has place hard inquires on my Equifax report I have a direct email with XXXX XXXX and despite emailing them constantly and calling them, they have NOT removed these illegal fraudulent hard inquires. Equifax said if XXXX XXXX would call them it would take only moments to resolve. They hangup like little babies, cant return calls like they said they would ( XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX the supposed bosses, every time I open a case instead of them removing the previous hard inquires that I never authorize they completely ignore the FCRA and another illegal hard inquire shows up. These people need to have their banking license pulled there unapologetic criminals and flaunt federal laws while agencies like your allow it to happen. Remove the illegal hard inquires without delay!!!!!!!
Product: Debt collection

My husband got medical service from XXXX XXXX in 2019 and when we received the bill from them we saw that they never ran our secondary insurance, only our primary insurance. I called the hospital on 2 different occasions and provided them with our secondary insurance. We were then sent to collections for the original amount of {$2000.00}. I spoke with the collections company multiple times who filed a dispute with the hospital and we still have not gotten a resolution. They can not legally collect this amount because they never ran our secondary insurance, which they acknowledge to be the case.
Product: Credit reporting or other personal consumer reports

Dear Experian XXXX I am writing to address a critical matter that has not only caused me significant distress but has also resulted in direct financial and reputational harm. It has come to my attention that Experian reported the XXXX XXXX  XX/XX/2023 inquiry on my consumer credit report without my consent. While this inquiry was eventually deleted after my dispute, the deletion itself is an admission of inaccurate reporting and wrongdoing on the part of Experian. 

I am deeply troubled by the flagrant violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by Experian. Specifically, Experian has violated the FCRA by reporting inquiries on my consumer report without my consent, neglecting to conduct a proper investigation as required by the FCRA, and reporting data on my consumer report that fails to meet the standard of maximum accuracy mandated by the FCRA. 

The repercussions of these actions have been severe. My financial and credit reputation have been unjustly tarnished due to Experian 's inaccurate reporting. I have suffered both emotionally and financially as a direct result of Experian 's violations. 
According to the provisions of 15 USC 1681n, Experian is liable to me in the sum of XXXX per inquiry due to its willful noncompliance with the FCRA. Consequently, Experian has been invoiced for a total amount of XXXX XXXX XXXX per inquiry ) to address the damage incurred by its actions. I demand that Experian fulfills this invoice by mailing a check of XXXX 

This matter is of extreme urgency. Experian has a period of XXXX business days from the date of this letter to respond and fulfill the invoice. Failure to respond within this timeframe will be considered an admission of violating the FCRA and neglecting the obligation to fulfill the invoice. 

I am holding Experian accountable for its actions and expect a prompt and responsible resolution to this matter. I trust that Experian will take the necessary steps to rectify the violations and provide the requested payment within the stipulated time frame. 
I anticipate your immediate attention and cooperation in addressing this issue and fulfilling the invoice as demanded.
Product: Checking or savings account

On XX/XX/2020, I opened a 3-month CD account with TD Bank. The contract was due to mature on XX/XX/2020. In early XXXX, I proactively called the TD Bank hotline after receiving a letter of notice indicating that the CD will be automatically rolled over to another 3 month contract if I do not take action on the maturing contract. The letter specifically gave me two options - either to call the TD helpline or visit a local branch. Given the pandemic situation and reduced hours of branches I naturally reached out to the helpline on two occasions - XX/XX/XXXX and XX/XX/XXXX ( when I received the letter ). On both occasions the staff said that they will note my preference on my account and that the CD would not roll over. To my horror, I looked into my account today to see what was going on as the funds did not transfer to my bank account as expected, and saw that TD had in fact rolled this over into a new account AGAINST MY REQUEST. I called the helpline again and they refused to entertain my request on the basis that all CD-related requests are to be handled by a local branch employee. I then contacted a local branch employee who dismissed me as having been ignorant of the fact that all CD requests should have gone through a local branch to begin with, and that I will have no other choice but to pay the penalty if I want my funds withdrawn. I want to make this clear that at no point during the two times that I called the helpline in XXXX and early XXXX was this explained to me, and the letter clearly listed the helpline as another option to have my request processed. This involves funds that I have an immediate need for and the fact that I went proactively called ahead of time and instructed for the accounts not to roll over did nothing to avoid the consequences of their sloppy and unprofessional mishandling of a simple request. I ask that this be investigated and my funds be returned to me as soon as possible without the attendant fees and penalties. Thanks
Product: Debt collection

C & F Mortgage Corporation and/or XXXX and XXXX XXXX, XXXX XXXX, Virginia including all of it officers, employees, agents, assignees, successors whether past or present failed to provide notices regarding the consent order submitted in the " United States of America, Plaintiff v. C & F Mortgage Corporation, Defendant '' case no. : XXXX dated as received XXXX XXXX, XXXX and filed on XXXX XXXX, XXXX. The Objection on behalf of the XXXX XXXX XXXX XXXX XXXX 's attest to not receiving notices. Please attached to previously filed complaint XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  credit card account reported to the credit Bureaus that my account is delinquent, past 30 days late. The credit card is PAID IN FULL, and payment arrangement were made in order to avoid this credit reporting. As a result of such actions my credit score dropped significantly, and I request for the remark be removed from my credit report IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I have sent {$500.00} to a friend who I usually send money to through them ( Zelle ) than I received a notification from Zelle that they completed the transfer and the money was delivered so I called my friend to confirm and he said no money is sent or transferred to my account. I called Zelle and told them there is no money transferred to the person I send the money to so whats going on, they said call your bank. My bank couldnt help me. I need to know why they said that the money was posted to my friends account when they did not because the account, the name of the person and phone number all are the same nothing is changed they have transferred several times before they must did something wrong this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's XXXX, Equifax, and XXXX  are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.
Product: Debt collection

The items I bought was clothing and they were to small they had to be send back Thats the way I wanted it I did not want them to resend a bigger size. 
I told them that on emails and phi no r calls that were eventually collection calls The clothes were to small and packed and sent back!!!
Product: Student loan

I applied to have my student loans taken out off default and most of them were rehabilitated. However, {$6000.00} worth were not. I call navient on many occasions looking to resolve the issue but it never happened, and I continuously received misleading and confusing information. Now I am unable to have access to my transcripts due to a hold and just received a letter requesting full payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX at XXXX XXXX XXXX in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/XX/XX/XXXXplaced this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX XXXX said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/XX/XX/XXXX. This item is Still on my credit report despite being paid in full.
Product: Debt collection

XXXX XXXX XXXX My XXXX  is XXXX XXXX, but he does not and has not ever gone to XXXX XXXX 
We go to another gym. How can you please stop sending me this letter? This is the same name, but not that person who has ever even gone to the gym. 
My XXXX  was born in XXXX. That is the only piece of info I am giving you. please stop sending these letters to my home. This is not our debt. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing a dispute on several occasion and numerous of times of the same complaints. Equifax and XXXX has not been reporting disputes nor fully resolving them. I have reported fradulent activities including identity theft. I believe its a system breach and it is affecting my life. My credit score has been decreasing due to this illegal activities. I have contacted the companies that was reporting this information as well as the credit bureaus. Nothing has been done. XXXX XXXX has more updates then the actual credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My credit report shows several XXXX records of late payments. They are all related to the student loans I obtained from XXXX XXXX XXXXXXXX. These records are incorrect. Attached please find the bank statements and loan approval / disbursement letters from the school that show the amount owed and lump-sum payment I made in-time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was overpaid by the Department of Veterans Affairs in XXXX of XXXX in the amount of {$690.00}. Over 42 months later, in XX/XX/XXXX, I was notified of negative information on my credit report. I called the VA to find out what happened and paid back the overpayment immediately. They then refused to remove the information from my credit report. They claimed they sent letters to me in the mail, but it was to an address I hadn't lived at in well over three years. That was the only effort they made to contact me, despite having my phone number, email address, and updated mailing address. This was not a consumer credit transaction because it was an overpayment, not a loan, and I never agreed to borrow that money. It should never have been reported to the credit bureaus. I contacted them one last time to request removal by email on XX/XX/XXXX and have not received any reply. 

I have disputed this item with XXXX and Experian ( it does not show up on XXXX ) in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX under the grounds that I had no knowledge of the account, it had been settled, and it was not a collection or charge-off account. All disputes resulted in the credit bureaus simply verifying that the VA did indeed submit the information to them and they did nothing else. The negative item remains on both reports.
Product: Consumer Loan

I applied for a loan to improve my credit score. I opened a vehicle refinance loan with Instaloan. The loan interest rate is 57.4 %. I did not realize how high the rate was going to be. I also did not know my payments would not reduce the principal loan amount, it covers interest only. 

In addition I can not send payment by mail. I must physically appear in the their office to make a payment. The office is an hour away. 

I feel I was taken advantage of because the rate, payment and payment system.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the XXXX XXXX  compliance standards.

Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Listed below are the Accounts that are being challenged 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