23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rented a car from XXXX XXXX XXXX on XX/XX/2021 to XX/XX/2021. I made no damages to the car. Received a call at the end of XXXX claiming to be a company called The Claims Center. Their number is XXXX. They said XXXX was filing a claim against me stating that I damaged the rental car from that rental period and asked for my statement. I stated I didn't make any damages to the car. They said they would call me back in a week after their investigation. I received several other calls from them over the few weeks after that call. I wasn't able to answer at the time, so I tried to call back. They never answered when I called back and there was a ringing tone on the line. I received another call on XX/XX/2021. When I called back, a woman answered and claimed I was found guilty for my charges and needed my insurance information. When I asked what it was about and if they did an investigation, she said they don't handle investigations but the insurance companies do. Due to their inconsistencies in their story, I hung up without giving my insurance information and looked up their number online. I found countless instances of other customers saying it was a scam company that worked with XXXX to scam consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I discovered information on my credit report was still reporting incorrectly. I contacted Equifax credit Bureau via telephone, Internet, and mail. Via telephone I was informed that I had to send information from the alleged creditor and a police report. I already had a police report concerning this fraudulent activity, but I was waiting on the letters from the creditors. On the XXXX of XX/XX/2022 I uploaded the needed information on Equifax dispute website. I also mailed a certified letter to Equifax credit Bureau on the XXXX of XX/XX/2022. The following information was uploaded and mailed to Equifax Credit Bureau : Michigan drivers license Social Security card letter stating what fraudulent information needed to be removed letters from the companies stating the information were incorrect updated credit report from Equifax showing fraudulent activity Also, I sent the same information to the other major credit bureaus. The other major credit bureaus once receiving my information, remove the fraudulent information. On the XXXX of XX/XX/2022 I contacted Equifax credit Bureau again concerning the fraudulent activities on my credit report. There was no positive outcome. It appears to me the representative was attempting to not correct my credit report and make many unfounded excuses.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXXXXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : US DEPT OF EDXXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I attended a College called  XXXX   XXXX   XXXX  in  XXXX , GA in Fall of   XXXX  . To get my tuition covered I took out a couple of   XXXX   XXXX   that had been offered to me. Once I left the school I made sure I did n't owe the school money and I did n't have any holds because I wanted to transfer all my credits to a new school.  XXXX   XXXX  sent my transcript to my new school. Currently I am enrolled in school and I am on track to graduate with my  XXXX . So, I am very confused how  XXXX   XXXX  is saying I owe  XXXX  dollars and release my transcript to continue school. When I stopped attending  XXXX   XXXX  there was a {$0.00} balance on my account. Attached details how much I 've been awarded Fall of   XXXX  . Which I accepted in the beginning of the semester. This seems to be a error on the schools end not on my end because it seems to me that for some reason my loans did n't get disbursed even though I accepted to received them that semester.
Product: Credit card

Capital one continues to report an incorrect balance on my credit report. Account XXXX shows a balance of {$1600.00} dollars which is incorrect. Balance should be {$0.00} since account was sold to a collection agency. I have provided verification that account was sold in XX/XX/XXXX. I 've complained to the XXXX and CFPB several times and Capital one continues to ignore my complaints and offer no resolution. All I 'm asking is for the balance to be corrected. This is an old charge off from XX/XX/XXXX i do n't see why you wo n't update the correct balance to {$0.00}? If not corrected immediately I have no choice but to sue capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received a decline from a an apartment in DC. The reason given was Guarantor required. As per my XXXX XXXX report all of my accounts are open and paid on time and my score was a lot higher on XXXX XXXX then on Transunion. I received a copy of the rejection from the leasing agent indicating my scote to be approximately 7oints lower .Also, I have yet to receive a copy from Transunion explaining the specific reason I would require a guarantor. I have attempted to contact Transunion via telephone and have not been able to get through.
Product: Credit reporting or other personal consumer reports

Im writing because I discovered unauthorized information on my credit report, and Im extremely frustrated by this mistake. I never gave permission for this data to be included, and its presence is not only wrong but is also damaging my credit.
Product: Credit reporting or other personal consumer reports

please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE INQUIRIES ONLY NOT ANY ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : Transunion : XXXX ) XXXX 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX I disputed this information with XXXX over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT.
Product: Debt collection

My Insurance company ( XXXX XXXX XXXX XXXX ) debt was sent to Credit Collection Services when I had already disputed the debt with the insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted by certified mail to Equifax, XXXX, and XXXX ruffly 3 to 4 times concerning incorrect names, addresses, and employment that they are reporting on my Credit Reports. ALL 3 HAVE IGNORED MY REQUEST, NOTHING HAS CHANGED BUT KEEP PUT WRONG/MISSPELLED INFO. 

Equifax Track # XXXX XXXX  Track # XXXX XXXX Track # XXXX
Product: Money transfer, virtual currency, or money service

I deposited to my business account an IRS refund check dated XX/XX/2018 upon which I hold Power of Attorney. The check for the amount of {$5100.00} posted to my account XXXX on XX/XX/2018 and upon its clearance has since sat in my account blocked from my use! I have called the SunTrust Bank repeatedly and was told that my funds can not be released and that SunTrust Bank has the right to hold on to my funds and have yet to explain when I will have my funds released. It has now been ( 1 ) years since I deposited the check and I do not have an explanation from there representatives as to what they intend to do with my deposit. I am asking for assistance from the CFPB to get to the bottom of this and extend direction as to my legal rights regarding the loss ; hardship and punitive damage this bank institution has caused me and my business. 
I request the SunTrust Bank request my supporting document the POA via their internal portal or email.
Product: Vehicle loan or lease

I have had my auto loan with XXXX XXXX XXXX XXXX for 6 or 7 years I believe. In all these years, I have only missed XXXX payments- once in 2016 when my bank account was frozen due to fraudulent activity and I can't even recall what the second one was it's been so long but yet ... .WFDS continues to accrue late charges even though both were made known to them. Also, I have a ten day grace period - my payment is due on the XXXX and I ALWAYS pay before the XXXX. If it were not for incurring continued late charges even though I pay with grace period, my car would be paid off! I am asking that my late charges be waived.
Product: Checking or savings account

There were XXXX charges on my card for XXXX on XXXX and XXXX. I reached out to Wells Fargo to advise these were fraudulent charges. They denied my claim and reversed the credit stating they cant dispute XXXX transactions and to reach out to XXXX. XXXX states they cant reverse completed transactions unless there was a problem with the recipient getting the funds. They are both sending me back and forth with no resolution to my account being overdrawn by $ XXXX dollars. Both pretty much telling me I have to eat this one not acceptable
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX with a balance of {$32000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

The Fair Credit Reporting Act states : Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

- I opened a Discover Card account in XX/XX/XXXX - The account went to charge off status in XXXX - I paid the charge off amount, I'm uncertain of the date - The negative account 's age is beyond 7 years and thus should be removed, especially considering that there's no money owed - I disputed the account, and it was deleted in XXXX of XXXX - 3 months later, the account reporting re-appeared - I disputed the account again, Discover or XXXX  is refusing to remove it - The account is removed from XXXX  and XXXX, it only reports negatively to XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my Experian credit report on XX/XX/year>, 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 supposed 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

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. 
XXXX Account listed on the pdf attach, has violated my rights. 

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
Product: Payday loan, title loan, personal loan, or advance loan

Hello CFPB, I hope this message finds you well. My name is XXXX XXXX. I am writing to you regarding a contractual matter involving XXXX, which has led to considerable challenges following their bankruptcy filing on XX/XX/XXXX. 

On XX/XX/XXXX, I entered into an agreement with XXXX for XXXX  goods and services. The terms of the contract stipulated monthly payments processed by Healthcare Finance Direct, LLC ( HFD ). While I received the initial box of retainers, the cessation of XXXXXXXX XXXX services, coupled with contradictory statements from HFD, constitutes a breach of our contract. Despite numerous attempts to reach XXXX via phone, mail, or website, they are unresponsive. 

Following their bankruptcy, crucial aspects of the services, such as the lifetime guarantee, dentist interactions, and treatment continuation, have ceased. Nevertheless, XXXX insists on monthly payments, leaving millions of patients stranded. I sought clarification on the legality and fairness of these actions, particularly concerning the uncertainty surrounding the original agreement and threats of collections from HFD.

Of particular concern is the discrepancy in roles outlined in the contract. While XXXX is designated as the creditor, HFD claims to be the lender, contrary to the contract terms. Moreover, during a recent phone call with HFD, they admitted to being the creditor/borrower, despite their role as a payment processor in the contract.

In response, I suspended all payments to XXXX through my XXXX XXXX account. However, HFD continues to demand payment, insisting that I owe them despite their lack of clarity regarding the recipient of these payments post-bankruptcy.

This situation is deeply concerning as it undermines the integrity of our contractual agreement and raises questions about consumer rights and justice. I would greatly appreciate your guidance on navigating the complexities arising from XXXXXXXX XXXX bankruptcy and HFD 's actions.

Furthermore, I wish to inform the consumer financial protection company that on XX/XX/XXXX, HFD contacted me, urging me to halt disputes with my bank regarding payments made to XXXX. Despite my inquiries about the legitimacy of these payments to a bankrupt company, the representative was unable to provide satisfactory answers. 

Thank you for your time and attention to this matter. Your assistance in resolving this issue would be invaluable.
Product: Debt collection

I did not agree to renew my XXXX XXXX XXXX in XXXX or XXXX. However, the insurance company automatically renewed it for XXXX months without my consent and is now trying to collect payment through a collection agency. 
I never received proper notice or gave authorization for this renewal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am disputing a hard inquiry on my credit report. On the night of XXXX/XXXX/2022, my older brother, XXXX XXXX XXXX, applied for a credit card with XXXX XXXX online. Within seconds of his submission, I received a hard inquiry for the application instead of his which makes an effect on my credit score and report. There could be a mix up between our credit information with Equifax as both of our SSNs are almost identical except for the last number ( my guess for this situation to have occurred ). 

I placed a dispute with Equifax online that same night and received an update that their investigation was complete the next night on XXXX/XXXX/2022. The report they provided me was that the hard inquiry was accurate and that XXXX XXXX should clear up the information on their end or fix it with Equifax. However, I called XXXX XXXX today, XXXX/XXXX/2022, and was told that the information under my brothers account and application were correct and that my account and information were correct as well. We were able to verify our names and socials within XXXX XXXX  system and found no error there. I was told by XXXX XXXX to reach out to Equifax again for the hard inquiry and to let them know that XXXX XXXX has the correct information and was verified by my brother and I. 

This hard inquiry does not belong to me and should be removed from my credit report. I still do not know how and why I received the hard inquiry when the application was all under my brothers information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly and which is probably the biggest problem here is that customer service by phone with Experian is a total joke. They have you answer heaps of questions on identity and all of their listed phone numbers put you through the same dysfunction. I tried to address this by mail and they sent back this completely bogus letter about my SS # being inaccurate, I tried numerous times by phone to clear this up and got the same circular loop of " do you want to order a report or put a fraud alert? '' No matter how you answer its impossible to get anyone on the phone and for a company as large as Experian is this is simply just deplorable. Secondly there is still inaccurate information in regards to my XXXX student loan. I am including a copy of my XXXX report from today and XXXX is reporting the same ; that there are no longer any late payment on the account. I have checked Experian everyday now and not only are there late payments it also says last updated XX/XX/XXXX. I have called XXXX to check and they verified that my account has already been reported at the end of XXXX, so I dont really understand how it could take 2 weeks for Experian to post this update. I feel this is also improper use of my credit report. 
You will notice on the XXXX report shows that DEFERRED has been entered on the Terms Frequency and Account Status says PAYS_AS_AGREED.
Product: Debt collection

Calling every single day with a robot voice, never a human. Calls have been happening for over 3 months every week day, try to call the number provided and never get an answer, they only leave voicemails. XXXX
Product: Checking or savings account

While I was out of town my residence was burglarized. My bank and credit cards were taken as well as monies and other valuables. When I contacted the banks and credit card companies I learned of unauthorized transactions. I filed appropriate claims with the banks and credit card companies and filed a complaint wit the XXXX Police Department. I faxed a copy of that report to the banks and credit card companies ; however, Capitol One has stated that it did not receive the report. It has not resolved my claim, issued provisional credit, or otherwise taken adequatye steps to inmvestigate and locate the person ( s ) that are responsible for the unauthorized transactions.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns about Zelles handling of dispute resolutions, especially in light of the recent lawsuit filed by the CFPB, which highlights critical issues with the platform. Despite having used Zelle on numerous occasions and reporting discrepancies, neither my financial institution nor Zelle took sufficient action to investigate my claim. I was told that recovering the lost funds was impossible and that tracking the transactions was not feasible. The findings from the CFPB suggest that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to exploit the system, leaving users at risk of fraud. This lack of accountability and transparency is deeply troubling and calls into question the platform 's commitment to consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX  and TransUnion as well as XXXX XXXX lending as well as XXXX XXXX XXXX XXXX, XXXX and also XXXX XXXX Mortgage XXXX XXXX XXXX ( this is another new name alias ) the level of error over my home is insane. My credit reports are not only contradictory but beyond any logical possible explanation of the errors committed by all of these parties. Anyway, these two also credit bureaus both TransUnion and XXXX  are reflecting non existent accounts and need to be removed immediately for false reporting which is a violation of : 209 CMR 18.21 .... ( 6 ) knowingly and recklessly providing inaccurate information. Both of the " accounts '' need to be removed from my credit history as well as removed from all of the records in the above named businesses. In addition to this mess is an attempt to illegally foreclose on my home with a non existent " account '' Please see all attached.