23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice of a debt owed to the XXXX for XXXX violations. I tried calling the toll free number several times during their business hours which start at XXXX, before I went to work and during their business hours a get a canned message that I have reached their company outside of business hours. It is XXXX right now and I tried calling several times. This has not been my first time trying to contact them without no luck. The issue is that the XXXX ticket we would like to pay but the ticket for the no insurance is being appealed with the XXXX court and I have a lawyer working on this. This collection action should be placed on hold and this should not affect my credit. But I only have to XX/XX/XXXX to contact the collection agency but I have no way to get in contact with them. How can a collection agency keep telling people you reached them after business hours when you are calling during business hours. This abusive and will end up affecting my credit for something that I have been trying to take care of for several weeks.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. I did not give my authorization. I am writing your office today because I am a victim of fraud. An unknown individual used my personal information in the past to obtain credit from XXXX XXXX XXXX XXXX, and other banks without my knowledge or consent. I filed a complaint with XXXX XXXX Police department and I attach a copy of the card containing the case number with this letter. 


This matter concerning the XXXX XXXX XXXX XXXX account has been resolved with TransUnion in the past and reposted again recently by the creditor. It is illegal for this information to be reposted in my personal credit file when it was deleted and blocked in the past due to fraud. Please delete and block these fraudulent account from my credit report as they are fraudulent information. Im expecting that the credit bureau will help me with this matter, I want to thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit bureau just on yesterday which was XXXX the XXXX, to correct some inaccurate information. Well the address was deleted, but I also had other issues ; which I thought were resolved such as a collection that was on the report that had already been paid and wasn't removed and also student loans being reported inaccurately even though the government is given credit for them during the pandemic and my credit score went down 23 points on this morning because I called on yesterday this is not fair to the consumer. It's like I'm been incriminated for trying to fix my credit report from faulty information from experian.
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 XXXX XXXXXXXX  Account Number : XXXX Account Name : 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: Debt collection

MY SON, XXXX XXXX XXXX MEDICAL BILL TO XXXX XXXX XXXX WAS PAID IN FULL THROUGH INSURANCE COMPANY AND BALANCE PAID BY US, PARENTS, ON XX/XX/19 VIA CHECK. I SENT A COPY OF CHECK TO COLLECTIONS AGENCY TWICE AND TO XXXX BILLING AS WELL. STILL RECIEVING CALLS FROM COLLECTION AGENCY CMRE. I HAVE ATTEMPTED TO RESOLVE THIS WITH THEM AND EMAILED SEVERAL COPIES OF CHECK THAT WAS GIVEN TO XXXX BEFORE TURNED OVER TO CMRE. THEY DENY RECIEVING EMAILS AND REFUSE TO TALK TO ME AS MY SON IS XXXX YEARS OLD. HE IS ON OUR INSURANCE AND WE PAID BILL. NEED HELP RESOLVING THIS ISSUE!
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 and confidentiality under 15 U.S.C. 1681. 

XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed online with Transunion an erroneous account XXXX/XXXX on my credit report. The results were it was verified. I continued to dispute it in XX/XX/XXXX and XX/XX/XXXX asking for their method of verification, they continue to verify it without providing their method of verification or providing any documents to prove this account is mine.
Product: Debt collection

XXXX XXXX is the collection agency that XXXX XXXX sent my account to. 2 months ago, they took my balance of {$550.00} off of my credit report. After about 3 weeks they put the amount back on my credit report and reported that account was opened on XX/XX/2017 which is 100 % false. I tried to call CONVERGENT and they could not even find my information in their system. They should not be able to remove that from credit report then enter it again with a new date that is fabricated.
Product: Credit reporting or other personal consumer reports

The following accounts I have no knowledge of opening and I have attached a FTC theft report. 
XXXX  XXXXXXXX XXXX  account XXXX amount XXXX XXXX XXXX account XXXX amount XXXX XXXXXXXX XXXX  account XXXX amount XXXX XXXX XXXX XXXX Account XXXX amount XXXX XXXX XXXX XXXX account XXXX amount XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents, so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe is inaccurate. I have not received any 1099-C Cancellation of Debt letters regarding these following accounts : - XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX Given the absence of these 1099-C Cancellation of Debt letters, I firmly believe that the reporting of these charge-offs is inaccurate. According to the FCRA, I have the right to dispute incomplete or inaccurate information. I request that these charge-off accounts be removed from my credit report as they do not reflect a complete and accurate credit history. 

I appreciate your attention to this matter and expect a prompt response. Please investigate these discrepancies and update my credit report accordingly.
Product: Debt collection

I have recently discovered that someone has been using my ID and personal financial information to open up accounts for lines of credit and other business transactions with companies that I do not recognize. I was able to locate these items that are not mine. 
I reviewed my credit report and discovered inaccurate information and fraudulent activity with several accounts that must be immediately investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items must be investigated, verified, and deleted from a credit report.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$950.00} I am filing this dispute regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. Experian denied to follow up with the investigation and alleged that the company accepting unreliable information, and failed to notify the consumer dispute results. This aligns with my situation! 
Under 15 U.S. Code 1681o, I am aware that individuals may seek civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). I am requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of being accepted for car options as well as apartment approval. Experian violated my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 I called equifax about these unauthorized inquiries and customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Student loan

I have been enrolled in the Public Student Loan Forgiveness Program since 2012. I have reliably made monthly payments ( via automatic withdrawal from all lenders ) and have contacted fedloan servicing multiple times to check on progress. Two years ago, I received an incorrect qualifying payment count that was off by one year. I was told to complete the Employment Certification Form to " repair '' this error. I completed this last year ( my third one ) and received a follow-up count that was, again, off by one year. After speaking to a manager on the phone for over 1.5 hours, he went through all of the payments that I did not receive credit for since 2012, finding multiple inconsistencies ( example : I was not given credit for multiple payments, despite having bank statements stating otherwise ). I ask for each of these months to be reviewed one year ago and again three months ago, though no updated, corrected count has been issued. This is incredibly distressing and concerning, as we are talking large sums of money that negatively impact my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I posted my complaint on the Experian website, letting the company know that I did request my FICO score at the cost of {$1.00} and I DECLINED to sign up for a membership for continuing access to the score. That was in the first week of XXXX. On XXXX XXXX, 2018, Experian used my debit card information to charge me {$21.00}. So I tried to call the company. It was very difficult. The first two times I provided the information requested ( soc.sec. #, etc. ) the automatic system said it did " not understand, please enter your social security number '' After going through that three times the call was disconnected by Experian. Then I called a different number I found posted and finally got through the I.D . part of it. Then I got two options : Press One for membership information, Press Two to register a fraud. There were no other options. I called again, went through the I.D . business  and got the two options. My wife said to select One, membership information. Then there were some choices presented and I selected " billing question. '' What I heard after that was another recorded voice telling me " you 're expected wait time is more than 30 minutes. '' So, I sat there for nearly a half-hour, listening to all of the great services Experian could provide me. Then the call was disconnected. 

I did go back to the site and " cancelled '' my " membership. '' Do n't know if that will work. 

Please let me know how I can get my money back. It 's not just the cash I am concerned about. I felt ripped off and resent it.
Product: Mortgage

Reached out today ( XXXX ) and spent XXXX and XXXX being passed around from department to department. And NOBODY could/wanted to discuss where my increase in payment was from, I understand shortage in escrow but when my taxes had very little change and my insurance only changed {$220.00}. But to have a shortage of $ XXXX?!? They also could not and would not provide a valid contact number to the actual Mortgage holder ( which happens to be the same as the company acting as a 3rd party ) just a bunch of passing the buck, after clearly explaining and identifying myself EACH time! What a waste of time and unprofessional way to treat the consumer. Just want clear and documented numbers of where this increase came from and how especially having ALL current info at the time of the projected years change And each time I reach out to inquire on my mortgage or ask for information I get NOWHEREThus resulting to reaching out to the CFPB which amazingly I get a call back/from the company and FROM a person who can correct/fix the situation the first time
Product: Vehicle loan or lease

I canceled XXXX and tire protection on my car loan on XX/XX/XXXX ( over 5 months ago!!! ) I had to file a CFPB previously to have the dealer issue a refund ( case XXXX ). 
The dealer acknowledge to refund, and sent me an email that a refund was issued for {$1800.00} on XX/XX/XXXX. 
As of today I have not received the refund, and dealer is again not answering my emails. 

I'm attaching cancellation form, and last email from dealer confirming they issued a refund ... which was never received. 

Contacts information : - Hyundai Protection Plan administrator : XXXX - XXXX XXXX Hyundai dealer : Finance manager : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

In XX/XX/XXXX I received a letter from Delta Management threatening to proceed with wage garnishment. I was asked to submit documents regarding my dispute. I sent this document immediately back to them, although they purposely sent it to me days before the deadline. I never received anything in writing regarding the outcome of my dispute.

In XX/XX/XXXX I received another let from Delta Management regarding the debt. The information that they sent to me by them regarding this debt is dated in the years XXXX, XXXX, XXXX, and XXXX. I believe that this loan was brought several times by different debt collection agencies over the years and after reviewing these documents, I know they are fraudulent. There is no school signature on the documents. They also claimed I made a payment on the debt in XXXX  ; I lived out of the country and never paid anything towards the debt. My income tax return has been taken from me year after year and I have not been able to get this off of my credit. 

I have tried several times over the years to have this removed with no luck. I will be seeking an attorney if this is not resolved after this attempt.
Product: Vehicle loan or lease

XXXX my mom took over an agreement of {$100.00} to keep my car from going to repo, to include thats also over the reason has been negatively affecting my credit. I was XXXX I have documentation upon release. No third party without consent from the leaser should have made proceeded due to non communication, no understanding, no break down of what only a payment of {$100.00} when the agreement was {$410.00} monthly so all charges was a build up. XXXX is the passed due balance which is negatively affecting my credit. How can I go about any progression for this? Thank you, XXXX XXXX
Product: Checking or savings account

I have a personal savings account with American Express. I received an automated email mentioning about address change. I had not requested this address change. Upon calling the bank, they changed the address back but dismissed the urgency of this issue. I kept insisting on investigation with defined timeline and reporting to me but the bank refused to commit to this. It also turned out that the address that the bank changed to is of their wire department. This deliberate change of address suggests that the bank was trying to quietly take money away from my account. 

Following this issue, I spoke with the bank 's customer representatives twice. I requested to speak with supervisor but was not allowed to speak with supervisor. When I requested for call back by the supervisor, I was assured a call within 48 hours but that has not happened either. It is clear that the bank is trying to dismiss a serious issue of unauthorized bank changes. I also told the representative that I will complain to CFPB if there is no investigation with defined timeline and resolution but the bank was indifferent to this.
Product: Vehicle loan or lease

Consumer portfolio services and XXXX XXXX XXXX XXXX entered an agreement with us on XX/X/2011 for a 60 mo loan. it should of been over by last XX/XX/XXXX yet it is showing we still owe 5+ payments at late fees. They have improperly applied payments to interest instead of applying any of the extra money to any owed fees and principal as they should of. They were ready to " settle '' the account for less, but failed to even mention the fact that it would damage our credit even further than it already had. We started off paying ahead on the loan, and yet still got it with late fees, which started a downward spiral of credit issues on this account and every time paid extra to get back on track they would mislead us and apply the money incorrectly. now I am still paying on a car almost a year after it was supposed to be paid off, how is that even possible. if we would n't of got a second opinion on this, then we could of been stuck in a cycle of paying for this car forever, even thought the bank received more than their fair share.
Product: Prepaid card

I was unaware that I had a remaining balance of {$9700.00} through netspend. And I tried to get a replacement card because I lost the card itself and/or it was expired with that being said, they told me that it was sent back to the IRS then I was told that password has it. 
Please, please, can you help me?
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXX/XX/XXXX has violated my rights. 


EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


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 XXXXXX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In ge
nerallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

XXXX ) For XXXX XXXX I have asked to please mail me the proof of the investigation and to remove this account and they have failed to this is the 3rd attempt the XXXX # XXXX balance of {$4900.00} 2 ) Also on XXXX XXXX of XXXX XXXX XXXX # XXXX {$930.00} I told them to please provide statements made and missed since I opened this account they failed to show proof and to update the account they also have failed to show proof or update the account. 

XXXX ) XXXX XXXX XXXX XXXX # XXXX {$2200.00} I never had a contract with this debt collector for any debt. And I'm asking to get it deleted which they are also refusing to do or send me the original creditor that this debt collector owns this debt and has legal authority to collect. 

XXXX ) XXXX XXXX XXXX # XXXX {$460.00} They fail to provide me statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Balance {$0.00} They have this account listed negatively These inaccuracies are highly injurious to my credit rating and I want it delete!
Product: Checking or savings account

CapitalOne Bank opened a checking account on my name, DOB, SSN & Address without validating the identity, and also allowed to create an online account. 

Lucky that the debit card reached my address and was able to get the account closed.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX