23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Medicredit Inc is attempting to collect three outstanding balances which are unknown to me : From XXXX XXXX XXXX XXXX XXXX in the amount of {$830.00} ; XXXX XXXX XXXX in XXXX XXXX in the amount of {$280.00} ; XXXX XXXX XXXX XXXX in the amount of {$63.00}. I have attempted to contact Medicredit on a number of occasions in an attempt to verify the debt -- including trying to source a copy of the consent to treatment of consent to billing insurance from the medical facilities which might help establish whether or not an account was actually established -- but have not been provided such information. Medicredit refuses to discuss how the debt was verified or what documentation they procured to do so. Additionally, I have been the subject of unauthorized auto-dialed telephone calls and I have notified Medicredit, explicitly, that I wanted to be opted-out of them.
Product: Credit reporting or other personal consumer reports

Hello, I was a victim of identity thief from XXXX XXXX XXXX data breach, XXXX 's data breach, Experian data breach, XXXX and Trans Union data breach from XXXX and fraudulent accounts were opened without my knowledge. I summited all necessary information to all three credit bureaus online and by US mail XXXX XXXX. To be told the debits are valid and it doesn't matter if I did the debits or not I am libel for them even those the accounts were open fraudulently.. They said all their job is to do is validated a debit and nothing more. Then they wanted to all sell me their products, claiming somehow buying their credit monitoring was going to stop my indention from being stolen again. Needles to say I don't buy in to there... Stuff. And on XX/XX/XXXX I resubmitted by certified US mail a request again for an investigation and have this fraudulent accounts removed from my credit report. I am enclosing all information I sent to all 3 credit bureaus.
Product: Credit reporting

I am filing a complaint since Equifax has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.
Product: Debt collection

A person named XXXX XXXX has been harassing a friend of mine, XXXX XXXX ( XXXX ) XXXX and demanding that I contact him. XXXX has asked him to stop but he continues to harass. I understand that XXXX . XXXX operates a small debt collection service XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX. He uses a Louisiana phone number XXXX. I have researched XXXX . XXXX and his company and discovered that he has been the subject of numerous complaints for phone harassment and violations of the FDCPA nationwide. I am familiar with all applicable statues and can state unequivocally that I do not owe any debt collectible under the XXXX. XXXX XXXX ' conduct in calling third parties, using false phone numbers, harassing calls and potentially attempting to collect a claim barred under the XXXX are all FDCPA violations. I am a XXXX year old veteran. I do not want to be harassed by this individual. I want him to cease contact.
Product: Checking or savings account

Request received from XXXX XXXX XXXX Transaction ID XXXX Note Suspicious transaction of {$500.00} detected. 
If not done by you contact Fraud Investigation team at XXXX ( XXXX ) XXXX to cancel. Service hours ( XXXX ) Details Money request amount {$500.00} Total {$500.00}
Product: Credit reporting or other personal consumer reports

I was notified that a collections account was added to my credit report, a major derogatory record. It shows an alleged {$180.00} unpaid debt, which wouldnt make sense given my flawless credit history and credit line extended. I have been living in the same apartment complex as of today and for the past two plus years. I have amicable relationship with management staff, with rent account thats current, and management staff has my up-to-date contact info. I can affirm, under penalty of perjury, that I have never received any communication about this alleged debt before this record shows up in my credit report, which is a clear violation of FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report was wrongfully added a false late payment by XXXX XXXX XXXX on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX  by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted Experian and disputed this wrongful posting for three times and they asked me to contact XXXX XXXX XXXX directly. I called the XXXX XXXX XXXX and they asked me to contact XXXX XXXX which it took over the account of XXXX XXXX XXXX according to the Bank. XXXX then ask me to file a complaint.
Product: Debt collection

I paid the national recovery agency my debt of XXXX $ and I still have a derogatory mark on my credit report
Product: Credit reporting or other personal consumer reports

So I open a chime XXXX  bank debt card and XXXX XXXXr card XX/XX/2024 And they have not reported that I have an account or any payment activity or history to experian also delay reporting to XXXX and XXXX so they are a month apart.
Product: Debt collection

without mailing me notice to let me know I had hostile pills they report me to credit bureau, then after my insure company paying them {$800.00} and I paid {$220.00} ( means I paid off my hostile bill! ), they keep calling me to said they DO NOT receive the insure company 's check, and ask me to pay them another {$800.00}, then a lady in ARC finally figure out they already get the check! BUT this is not the end. I receive a letter from them on XXXX XXXX, it said I still own {$800.00}, I called back ARC, XXXX lady said they do n't receive the insure company 's check! My insurance company told me ARC already cashed the {$800.00} check on XXXX XXXX! 
I ca n't believe after ARC received all the money but they still deny they get the money and want me to pay XXXX.This is a big mistake their employee made and they want me to suffer that!
Product: Payday loan, title loan, or personal loan

On XX/XX/21 Bright Lending deposited {$1000.00} into my bank account for a loan I never applied for. I contacted the company and they stated that I had applied for the loan today. I did not apply for a loan and explained I never signed anything or applied. Furthermore, why would a company deposit anything into my account without verifying my employment or the state I live in? I further explained I was contacting my bank, having that deposit reversed and they would be blocked forever from my bank account. What it seems like to me is that this is their way of trying to make money, depositing unauthorized funds into an account and then charging you a ridiculous amount of interest if that transaction goes unnoticed and/ or spent. Again, I haven't authorized and/ or signed any agreement with them. My bank is handling this and I am also notifying the Attorney General. Makes me wonder how many other people they have done this to. I am also contacting a lawyer.
Product: Student loan

My student loan servicer is Nelnet. They have usually been responsive in the past but that has recently changed. They no longer provide a chat option that I can find so the only way to contact them is by phone ( absurd wait time, I am on hold right now for 20 plus minutes ) or by filling out the contact form.

So I tried the form. 3 times so far with no response. None!

I work for a public agency and get paid once a month. I wanted to request that my payment date be changed to nearer/after my pay date. I filled out the form 3 times with this request and submitted it but have not received a response as of this date. Not once! How is this possible? How is it fair that I am just talking into the ether with zero response? Why am I held accountable but they are not? This is not ok and there should be consequences for my being unable to manage my account or communicate with those who I am dependent on to manage my account. 
They are setting me up for failure. I just checked my account and it shows that I am late on my payment ( duh, I need it 10 days in the future! Is that so hard? ), and I'm sure there is a nice late fee attached to that. 
Anyway, what am I supposed to do? The citizen is helpless in the tech age with no way to resolve issues. Just a lot of dead air. Next I will contact the Bursar ... or an attorney.
Product: Money transfer, virtual currency, or money service

Tried contacting someone about a refund and unauthorized charges
Product: Debt collection

Company will not supply me with original signed contract, proof of ownership, balances. Account does not belong to me
Product: Debt collection

I was given a notice to vacate XX/XX/2015. I paid for XX/XX/XXXX then vacated XX/XX/XXXX. I have proof of payment on my bank statement of this transaction on XXXX/XXXX/2015. I am now being asked to pay {$3100.00} for early termination fees along with rent due when it should be {$1900.00} because I paid a full month 's rent of {$1200.00} for XX/XX/XXXX just before I left on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
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 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 Miscellaneous Finance XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Debt collection

Opened account with XXXX and ordered XXXX XXXX, they arrived a month late- which prompted me to just buy 2 new phones at the XXXX XXXX XXXX I cancelled the service within a week because the devices never arrived. Almost 20 days later XXXX showed up with a box containing the devices, which I immediately returned them to XXXX. Proof of XXXX delivery attached. I've called XXXX  over 20 times at this point, and they claim that they will continue to bill me ( and send me to Collections ) until phone are scanned at their warehouse. Latest bill was for over $ XXXX.
Product: Debt collection

Complaint, XXXX and XXXX against XXXX and Wells Fargo for illegal collection practices. 

I submitted complaint against XXXX and demanded to verify why I was charged for {$490.00} for property taxes if I paid for them from my own funds. 

On XX/XX/2022 " XXXX XXXX '' sent me a letter telling that they received a return from XXXX XXXX office and purportedly forwarded it to fake " servicer '' XXXX for deposit. Which was a lie because XXXX made this check payable to Wells Fargo Bank, not to XXXX. 

According to the XXXX XXXX she cant imagine why XXXX made it payable to Wells Fargo, because Wells Fargo doesnt usually go through XXXX Tax Service they make their own request for tax bills. 

I demand disclosures why XXXX made this check payable to Wells Fargo bank ; which individual employee at XXXX made this deposit ; why Wells Farge collects checks with refund for my property taxes ; which aurthorized employee at Wells Fargo received and deposited this check ; and a copy of the ledger for the account receivable, with the name of the owner of this Account receivable, which can evidence that this check was deposited.
Product: Student loan

In XX/XX/2021, I filed for chapter XXXX bankruptcy. After filing, I attempted to make my regularly scheduled payment. My private student loan servicing company Firstmark, showed on their website, that no payment was due. I attempted to make a payment anyways and was prevented from doing so by the website, stating " payment could not be made at this time. '' As a result, I was under the impression that my loans were in forbearance during the bankruptcy because of the statement stating no payment due. 

On XX/XX/2021, I received a letter from Firstmark stating my current amount due and showing a past due of {$250.00}. I called the company and told them what was stated above. The company stated that they were not allowed to have any debt collection with me during the bankruptcy and that I should have known payments were still due through the bankruptcy per my loan term agreement signed 15 years ago. I asked how you could state that my loans required no payment but still require a payment without notifying me of it. They stated that they weren't allowed to communicate by law as a result of the bankruptcy. I told them that I believed it was unfair and fraudulent to state on my account through their website that no payments were due and prevent me from being able to make a payment in my normal manner but still in fact require payment with no communication on how to make payments or the requirements that they be made. 

I have been charged late fees as a result of the supposed missed payments and my credit score has gone down over 200 points as a result of them reporting every loan as in default for the period during the bankruptcy to my discharge date in XX/XX/2021.
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.

| The accounts below have violated my rights.

| 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.c 1681 Section 604 A Section # * 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 tem 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 ) ( a ) A person shall not furnish any information relating id a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below Ford Motor Credit Company Account Numbers : XXXX XXXX
Product: Debt collection

Threatened to sue me as well and filed motion in court. Opened credit card XX/XX/2007. Immediate annual fee of {$150.00}. Spent only {$170.00} total during 3 month period. Never purchased again after XX/XX/2007. Made payments totaling {$2000.00} and they 're claiming I owe more.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that I was reported late to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent The periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud issue and had a copy of my credit report pulled. After review mistakes were found. Please note under 15 USC 1681b, I never had a communication with XXXX credit card company and had never gave permission placing disclosing on my credit history.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to an internal error in XXXX XXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as XXXX and XXXX days late, which is inaccurate and has unjustly affected my credit report. 
Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX XXXX  acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I recently reviewed my credit profile and noticed inaccuracies/incomplete information and accounts that are unverified. According to the fair credit reporting act, Section 611 ( 5 ) ( A ) and 15 USC 1681i, the below XXXX  accounts have violated my rights as a consumer. These companies have violated several of my rights, as stated below. 


Violated Rights 15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681a ( 2 ) ( a ) ( i ) - ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1692j ( a ) ( b ) - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1681g ( a ) ( 5 ) - a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

18 USC 894a ( 2 ) ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

15 USC 2509j The full faith and credit of the United States is pledged to the payment of all obligations incurred under this section Company : XXXX XXXX XXXX Dates : XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX Action : Late payments illegally reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Action : Violation of 15 USC 1681g ( a ) ( 5 ) " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Company : XXXX XXXX Dates : XXXX XXXX XXXX  Action : Violation of 15 USC 1681g ( a ) ( 5 ) " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Violation of 15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.