23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope this letter finds you well. I am writing to file a formal complaint regarding a recent experience I had with Collection Consultants of California and XXXX XXXX XXXX XXXX, which has led to an unjust demand for payment of {$1300.00} despite providing sufficient evidence that the bill was already paid. 
On XX/XX/2022, I visited the XXXX XXXX XXXX XXXX XXXX XXXX seeking immediate medical attention. At the time of admission, I provided my insurance information, trusting that the hospital would accurately bill my insurance company with the appropriate codes for the services rendered. However, to my dismay, the hospital erroneously submitted the wrong codes to my insurance provider, leading to the denial of coverage for the services provided. 

As soon as I became aware of the billing issue, I promptly contacted XXXX XXXX XXXX XXXX to rectify the situation. After several attempts on XX/XX/XXXX at XXXX I talked to XXXX and she assured me that she would correct the billing codes and submit the revised claim to my insurance company. Despite this assurance, on XX/XX/2022 I began receiving harassing calls from Collection Consultants of California, demanding payment for the outstanding balance. 

In response to their persistent requests, I provided Collection Consultants of California with documentation proving that the bill had been paid in full by my insurance company. 

Despite sharing all the necessary evidence, Collection Consultants of California continues to pursue collection efforts against me. They have even reported this alleged debt to three major credit reporting agencies, negatively affecting my credit score and financial well-being. 

I believe that this entire situation has caused significant distress, inconvenience, and damage to my financial reputation, all of which are undeserved due to the errors committed by XXXX XXXX XXXX XXXX and the unwarranted actions taken by Collection Consultants of California. 

Therefore, I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the practices of both Collection Consultants of California and XXXX XXXX XXXX XXXX. I seek your assistance in resolving this issue and having the erroneous debt claim removed from my credit reports. 

Enclosed with this letter, you will find copy of my insurance showing that I do not owe anything to XXXX XXXX XXXX XXXX. 



I hope that the Consumer Financial Protection Bureau can mediate this matter swiftly and ensure that justice is served. Please keep me informed of any progress made in this investigation and any actions taken to resolve the situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance and a favorable resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my EQUIFAX credit reports on XX/XX/XXXX and noticed some things are incomplete and not accurate. 

XXXX XXXX, XXXX Reference # XXXX XXXX XXXX  XXXX 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.

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 general lf, 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

A lender checked my credit on XX/XX/2022. My husband called XXXX to inquire about refinancing our loan. The representative checked my credit report without my consent. My husband stated he did not know the representative was running my credit, because that wasn't discussed on the call. Not less than five minutes after, that's when I got the notifications about a hard pull. I immediately called XXXX and was giving the run around and was told multiple times, by different representatives that it wasn't a hard pull done by XXXX. Afterwards, I called the lender listed under the inquiry and the phone number has been disconnected.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proc was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed numerous complaints and disputes with XXXX  and XXXX  also Experian and showed proof of inaccurate reporting on my credit with no results will attach all info
Product: Debt collection

Employees, at the XXXX TN location repeatedly use very aggressive and threating tactics to collect a debt by threating customers with with the repossession of there vehicle, not working with them and be little them in front of other customers and employees.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Oportun Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I am writing to dispute an unverified and inaccurate debt collection account from XXXX XXXX listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information reported is accurate and verifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requires debt collectors to validate debts upon request. This debt collection account has not been properly verified, which is a clear violation of these federal laws. The recent court case *XXXX XXXX XXXX XXXX XXXX, XXXX, '' XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ** reaffirms that credit bureaus must conduct a thorough and reasonable investigation into disputes to ensure that reported information is accurate. I demand that you conduct a proper investigation, remove this unverified debt from my credit report, and provide written confirmation of the correction. If you fail to take this matter seriously, I will consider pursuing legal action to enforce my rights under the FCRA and FDCPA. Thank you for your immediate attention to this dispute. 

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

on XX/XX/2021 I sent a letter pointing to inaccurate and false and accounts reporting on my credit report. It has been 60 plus days and nobody has yet to respond to my disputes on the matter. According FCRA 15u.s.c. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 u.s.c. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ) and caused me stressed and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX Data Breach or I will file for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.15 USC 1681 section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX and Account number XXXX, 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the Acoounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Student loan

My recent loan payment on Nelnet has seemingly vanished. I have {$2100.00} in federal student loans, and in the last XXXX months, I've been able to pay off well over {$3000.00} from the initial {$5500.00} balance I owed. Initially, my student debt was serviced by Great Lakes, and with Great Lakes, I never had any issues with making payments. Sadly, the same can't be said for Nelnet, which is where my student debt is now being serviced. On XX/XX/XXXX, I made my first payment on Nelnet ( {$720.00} ), and this payment processed normally and applied to my student loan balance. Then, on XX/XX/XXXX, I made a second payment on Nelnet of {$730.00}, and this payment also proceeded normally and my balance was reduced from {$2800.00} to {$2100.00}. Unfortunately, things haven't gone so smoothly with my third Nelnet payment. 

On XX/XX/XXXX, I made a payment of {$480.00} that was planned to to start processing on XX/XX/XXXX. It started processing normally, but then it turned into what's been a massive headache. Firstly, even though the payment was very clearly in my recent activity and was shown as " processing, '' I never got an email from Nelnet telling me that they received the payment, which I found very strange as the money has been withdrawn from my back account. After this, it's gone from bad to even worse as when I checked the status of my payment yesterday, my payment of {$480.00} was no longer displayed in the recent activity section, and when I looked at my payment history, it wasn't there. My payment of {$730.00} from XX/XX/XXXX is the last thing that shows in my payment history. My student loan balance is still at {$2100.00} ( when it should be at {$1600.00} ), and it seems as though my payment of {$480.00} has completely vanished. There's no evidence that I ever made the payment on Nelnet, and the money hasn't been sent back to my bank account. I don't know where the money has gone to, but it seems like it's been sent to XXXX, never to be seen again.
Product: Mortgage

I called on XXXX XXXX after receiving my escrow statement showing that my payment would be increased due to property taxes. I am a XXXX XXXX veteran with a property tax exemption letter on my file that has been turned in to this company more than once as this issue has come up more than once. I have had to deal with getting my property taxes removed and escrow taken care of before. I refinanced earlier this year and if they backtrack looking at my account I am sure there is a record and paper trail of it being verified and the documentation and them seeing the property taxes being taken off. I called today XX/XX/XXXXas I was told it would be completed by today and it was even verified on the phone it takes 7 business days which comes out to today as seven business days. My mortgage has been with this company for quite some time so I do not know what the issue is or who is not doing their job but I should not keep having this issue. This needs to be rectified once and for all.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN : Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is falesley reporting a 90 day late payment on our Mortgage for a house in that was sold. The mortgage company Specialized Loan Servicing when contacted says they show no late payments and that per COVID rules the loan was in forbarence and not reported as late. We. also have the forbarence letters and records showing no late payments. Please see the attached 2 credit reports that clearly show Specialized Loan Services Loan was paid with NO LATE PAYMENTS ever! 

This was disuputed 3 times in a row with XXXX  and they still have not fixed the issue. All other credit repoirts show no late poayments. Further you can not talke to a live person and or access their website currently. There's no way to get them to correct it as it seems to be all automated and resets back to the inncorect data. 

This is impacted our credit and ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in early 2019, I closed my XXXX XXXX XXXX account for cable. I returned the cable box by mail, but started receiving collection demands to pay for the allegedly unreturned cable box in the approximate sum of {$200.00}. I disputed this debt with the first collection company ( can not remember the name ) and assumed it was resolved. Then, the " debt '' was apparently " sold '' to another collection company, Sequium Asset Solutions. Even though I disputed the debt, I paid the amount to avoid being harassed again. This was paid in XX/XX/2019 and I have my bank statement to prove it ( attached ). Now, just this week, I got a notice from credit karma that I had a derogatory addition to my credit report. A new debt collector, XXXX XXXX XXXX, has reported a collection account of {$200.00} against me to the credit bureaus. I PAID this debt eight months ago. XXXX never contacted me, I never received any letters. This is a complete fraud and a lie. And now it has damaged by credit as it is affecting my ability to obtain a car loan at a reasonable interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancel my membership an TransUnion credit report agency toke funds from my account illegally transaction i didn't request my account supposed been cancelled requested my money be returned sooner an possible
Product: Money transfer, virtual currency, or money service

Hello! I sent XXXX $ on XX/XX/2021 by swift wire transfer to my fianc because we are planning to make wedding but long time my fianc doesnt received it and then I recall my money back. But I DIDNT received the funds to my account back. I called to wire transfer investigation department and they are said that my option just wait. But I waiting almost one month and I dont want to loose my money. How can I see the track of the funds and where is my money right now?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Santander regarding an account balance.

I have file a complaint regarding the balance of the account. In the calculation letter there are a lot of errors and questions Im challenging the account balance. In line one the unpaid balance is {$15000.00} on XX/XX/XXXX. How is this the unpaid balance when on XXXX/XXXX/XXXX the vehicle was sold and the balance on the payment history for the principal was and is listed as {$7000.00}. Before that balance it was {$14000.00} as of XX/XX/XXXX. Then XX/XX/XXXX the vehicle was sold act an auction. The vehicle sold for {$7400.00}. XXXX ( XXXX ) principles without interest. 

The cost to sell the vehicle you guys say it was {$290.00}. I am requesting documentation for that cost. Also you guys took {$290.00} and placed it towards the principle balance as it shows on the payment history. XXXX ( XXXX XXXX XXXX ). I do not understand my charges on the calculation letter for the charge of {$290.00}. That {$290.00} was used as a payment for user allocated payment on the payment history. Why didnt the full {$7400.00} payment make it on the payment history as one whole payment instead of being broken up into two separate payments? The repo fee is {$550.00}, the impound fee is {$720.00}, the auction fee is {$290.00}, and the flatbed fee is {$110.00}. I will need proof of all receipts for each fee that I was given for this amount. 

The misc fee on the payment history say I owe {$290.00} which I believe was a mistake seeing that the {$290.00} was paid as a part of the {$7400.00} shown on the payment history. 

Break this down Principle as of XX/XX/XXXX {$14000.00} Interest that you guys have on the payment history is {$1200.00} XXXX + XXXX XXXX Late fee shown on payment history {$72.00} XXXX XXXX XXXX XXXX fee without the {$290.00} shown on history {$550.00}, {$720.00}, {$110.00} XXXX XXXX XXXX XXXX XXXX Because the history shown that the {$7400.00} was broken into two {$7100.00} & {$290.00} XXXX XXXX XXXX XXXX The ending balance would be XXXX not XXXX When this amount is fixed and all documents that I requested is sent. Then I will consider to talk about a settlement or payment with a deletion. 

By law I have a right to all documents seeing that I am in contract with you. If I need to sue I will follow suit if need be
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 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

My birth date is XX/XX/XXXX XX/XX/XXXX, not XX/XX/XXXX XX/XX/XXXX. Can you fix that if you can? My legal name is XXXX XXXX XXXX, not XXXX XXXX. Can you fix this error if you can? On the ADDRESSES section, My address was never XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX MI XXXX. Can you fix this error if you can? 
My ALIASES name is not XXXX XXXX. Can you fix this error if you can? 
On the EMPLOyMENT section, I am not XXXX, never was. Can you fix this error if you can? Can you fix delete all of these errors if you can that I listed? It is on XXXX XXXX information saids it came from Transunion credit bureau.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX account # XXXX / XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A 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

i was notified that XXXX made an inquiry into my credit report. 

the credit report proves that XXXX made the inquiry and thereby obtained personal private confidential information. 

i never requested an inquiry from XXXX there is no reason for XXXX to make an inquiry. 

all of my debts were discharged in a XX/XX/2014 bankruptcy. since then i have NOT applied for credit or made any other request of XXXX therefore XXXX has obtained personal private confidential information illegally.
Product: Credit reporting or other personal consumer reports

My online credit reporting shows that EXPERIAN is illegally being furnished and reporting 3rd party non public information. Inquiries that I did not authorize. Please be advised that by law, NO Inquiries can be placed on any consumer report without written authorization. Please provide validation 1681b ( c ) Transactions not initiated by consumer and a serious breach of my privacy rights XXXX  XXXX XXXX XXXX  XXXX