23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was called from R & R solutions based out to XXXX XXXX California last week and was told that they have mailed me paperwork, ( I did not receive ANYTHING ) they stated that XXXX schools of beauty ( Who has been out of business for YEARS because they committed FRAUD on loan applications has a balance owed from ME. 

I immediately asked if this was fraud because I went to that school over 13 years ago and I am making monthly payments through XXXX XXXX  for my student loans. 
It did not add up to me that after 13 years all of a sudden I have a " debt '' I asked for the account statement to be emailed and mailed to me with all information. 

They emailed me and the document had the name of a totally different person on it. ( VIOLATES MANY GUIDELINES ) They called me again this morning and asked about the documents, I again mentioned that this debt is VERY questionable and I requested an account statement, they said they need to know how I want to proceed if I want to be taken to court and then they will assess ME legal fees and court fees. 

I asked to have time to try to look into this matter on my own.
Product: Credit card

On XX/XX/XXXX the CFPB entered a consent order in administrative proceeding XXXX, which paragraph 56 stating : All Debt Sale contracts and agreement to after the effective date must : b. Prohibit the Debt Buyer from reselling any Account included in the Debt Sale, except to the extent Respondent is repurchasing an account. 

On XX/XX/XXXX Citibank, NA. sold my account, according to the petition is XXXX XXXX Missouri Case XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX under Contract ID XXXX document id XXXX. 

The State Case petition is attached. 

However, on XX/XX/XXXX, that debt was resold, or assigned, from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. which was transferred and resold, until XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which filed action against me on XX/XX/XXXX. 

Moreover, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX never honored the CITIBANK , N.A . arbitration agreement in the attached cardholder agreement and all attempts to get CITI to enforce that arbitration agreement in XXXX went unanswered. 

I made offer to settle this matter with CITI, but instead of settlement of {$2200.00} the bank is paying {$3900.00} to engage in arbitrations and so far has failed to make a timely payment to the XXXX.
Product: Debt collection

Southwest credit systems, l. P. Is furnishing Incorrect and inaccurate information. The account number they have down is incorrect. Southwest Credit Systems purchased a debt from XXXX XXXX. The account number says XXXX XXXX XXXX is simply the wrong account number which makes this inaccurate in incorrect information in Southwest Credit Systems must be removed and deleted from my credit report.
Product: Debt or credit management

Portfolio put a collection for the sum of {$8400.00} in XXXX. I asked for information and they sent me receipts from XXXX XXXX. Which is what Portfolio bought that debt from XXXX. Portfolio ruined my credit report for 7 years. I worked very hard to order my report. In XX/XX/XXXX, the credit bureau removed that collection. 
Now Portfolio sent an intimidating letter on XX/XX/XXXX threatening that they will give me another collection again for the same amount of money. For the same original creditor. Which I know perfectly well that that is illegal since my collection was duly removed from the credit bureau.
Product: Mortgage

My complaint is with CMC funding who is mh mortgage company, they have no customer service at all ever I have been calling them for months trying to set up auto pay because it's such a hassle to get into their system and pay manually every month. I've tried numerous times to set it up online and everytime the system is down it seems so scammy!
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. The XXXX XXXX # 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 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: Credit reporting

My wallet was stolen on XXXX XXXX 2016 with all my information social security, debit and credit cards, Drivers license. The perps have used my social to open credit card accounts under my name I 've reported the situation to the credit bureaus I 've placed a fraud alert and only transunion has deleted the fraudulent inquiries I 've had about XXXX inquiries since XXXX XXXX and XXXX account was opened. I 've reported this to the FTC and my local police I 'm a victim of identity fraud and I need help. The perpetrators address has been added to my own credit report as if it 's mine.
Product: Debt collection

Shows up as " Medical Data Systems ''. I do not recognize this phone number or this company. I do not answer numbers or callers that I do not recognize. If a call from an unrecognized number leaves a voicemail, I delete that voicemail before the message even beguns to play. Too many scam robo-calls out there. 
Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized/fraudulent inquiry listed on my credit file as of XX/XX/2023. Please block, delete and remove. 

The inquiry is from XXXX  XXXX XXXX. Attached are my letters to the credit reporting agencies along with my identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXXXXXX 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

Unable to dispute incorrect and fraudulent items on my equifax credit report
Product: Mortgage

My loan got refinanced with U.S. Bank and U.S. Bank took over the loan but at the same Time that the refinance was happening, XXXX XXXX bought the loan out and my mortgage with XXXX XXXX never got paid off had a loan with U.S. Bank and was paying on it a year later. I got a foreclosure notice stating that my property was being sold off has affected my credit report drastically. as soon as got for closure notice got a hold of XXXX XXXX talk to multiple managers said the problem would be resolved but the problem was never resolved got a letter that my property was being sold had to pay {$10000.00} out-of-pocket to pull my property out of foreclosure, while I was paying a mortgage with U.S. Bank that shouldve done a refinance on my property. had to use my refinance money to pull my property out of foreclosure, so I could not pay off my credit card debt have been racking up credit card debt with high interest has been very difficult
Product: Credit reporting or other personal consumer reports

I have disputed these fraudulent inquires but did not get any response or results, these unknown iquries are not mines nor did I authorized any of the following : XXXX XXXX XXXX XXXX  XX/XX/year> XXXX ) XXXX XXXX XXXX XXXXXX/XX/year> XXXX ) XXXX XXXX XXXX XXXXXX/XX/year> XXXX ) XXXX  XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX  XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XXXXXX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXXXXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am finding that one of the most difficult things I deal with is getting the reporting agencies to report information accurately. I spend much of my days dealing with this and you dropping my scores between billing cycles. I do not carry balances I do not care how much credit I use. I need you to correct the following entries on my credit report immediately and I need you to stop playing with my credit score when balances never carry over. 
XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$98.00} which will be paid off by the end of Business Today The only card carrying a high balance is XXXX XXXX XXXX XXXX and that is only because I have yet to be allowed to make a payment and when I do 50 % of that balance is gone with one payment. I am not sure how you are recording your information but if you check my history with each of these card holders I do not carry balances. Please correct and reflect properly on my credit
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be an error XXXX XXXX accounts XXXX XX/XX/21 XXXX and XXXX XX/XX/21 and XXXX XXXX that does of appear for {$1000.00}
Product: Money transfer, virtual currency, or money service

Unauthorized transfer of funds from my account to another persons. It was the very last of my money and chime refuses to escalate my case and investigate, even though the account was hacked because of THEM, not me. I never leave my phone sitting out anywhere or my debit card so there is no possible way this was my fault the money was stolen.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with zelle 's handling of disputes, particularly in light of the recent CFBP lawsuit highlighting issues with the platform. 
The CFPB 's findings indicated 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 and consumer safety.
Product: Debt collection

On XX/XX/XXXX I purchased an insurance policy from XXXX XXXX, through one of their third party insurance agents. I purchased their XXXX XXXX plan, and was insured that it covered road debris, by their agent. I wanted this plan, as there has been a lot of construction in my area and I was worried about damage to my car. XXXX 's website states, " If the damage is considered preventable, then collision car insurance generally applies. If damage is considered unavoidable and unexpected, then comprehensive car insurance coverage applies. '' On XX/XX/XXXX I hit a log that was in the road, that seems to have fallen off a landscaping truck, and it was a completely unavoidable accident. This crushed my car 's oil pan and caused the engine to blow, shortly after. I had to have my car towed back home and contacted my insurance, immediately after arriving home. They stated that my insurance didn't cover that, and that it stated it in my contract. This contract they cited was something from XXXX, that I was not provided when I paid for my insurance plan, nor signed by me. XXXX 's claims adjuster and their supervisor, both stated, that even though my accident was unavoidable and unexpected, that my policy doesn't cover it, despite what their website states. I tried to work things out with XXXX, but they refused, so I cancelled my policy. As XXXX refused to provide the insurance I paid for, my bank determined they defaulted on the policy and were not owed the money paid, as a result. 

XXXX didn't like this and contacted a collections agency. I provided the collections agency with all of the information, but they are still constantly harassing me about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by my credit that there was an debt placed from southern management company by ways of broad management for over XXXX. I contact broad management to see what it was for they advised me it was for an eviction placed for XX/XX/XXXX I advised thats Impossible because the lease was expired in XXXX or XXXX and I didnt resign any lease. I advised I got the apartment for someone and the lease was fraudulently signed I asked for documents to show they never sent it they told me too bad nothing they can do because they no longer manage that property anymore and its my responsibility.. I told them it was fraud and I didnt resign and lease and that Ive been residing at XXXX community for the past 4 yrs Ive been in XXXX. They refuse to help or remove this off of my credit.
Product: Checking or savings account

I receive SSI benefits on the 1st of every month and my checks are automatically deposited into my checking account with Chase Bank. 

But I recently closed the checking account my checks are being sent to and never gave the Social Security Administration my new account number with Chase Bank so my check for the month of XXXX was sent to a closed account. 

Chase told me I didn't have to inform the Social Security Administration because my checks would be automatically transferred into my new account but that didn't happen.

I contacted Chase about this but instead of them just transferring my check into my new account they made me file a claim, which includes a stupid, lengthy and totally unnecessary investigation.

Even one business day is too long when someone need their check to pay their rent and buy groceries. Chase Bank claims process prevented me from doing both. 

Chase Bank policy and claims process is exactly what consumers need protection against. 

Please made them give me my money. I NEED IT NOW.
Product: Student loan

I made a {$200.00} student loan payment to Edfinancial Services on XX/XX/23. The {$200.00} payment posted to my XXXX checking account on XX/XX/23 but the payment amount was not deducted from my student loan balance on the Edfinancial Services website. This student loan payment made on XX/XX/23 has disappeared from my payment history on the EdFinancial Services website completely, as if I never made a payment on that day. I have the XX/XX/23 payment confirmation number from Edfinancial Services and my XXXX bank statement showing the money was already deducted from my checking account. I would like Edfinancial Services to apply the {$200.00} payment they received to my student loan balance.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX, XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX, XXXX, XXXX and TransUnion from reporting services.
Product: Checking or savings account

Fraudulent checks totaling over XXXX were written on my account. Wells Fargo has denied my claims twice due to time limits. On XX/XX/2019 I was detained, after this occurrence my business checking information was used to write fraudulent checks totaling over XXXX When I was released from being Detained on XX/XX/2019 I reported the fraud to Wells Fargo, who denied the claim because I did not meet their time frame of 30 days. I made them aware of why I was not able to meet their time frame of fraud reporting, but my claim was still denied. The checks reported clearly are not my signature and were not authorized by me. They should never have been cleared by Wells Fargo because the security measure " Signature '' did not match.
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 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, 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 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: Credit reporting

To : CFPB XXXX XXXX Columbus, OH XXXX ( XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a collection agency ( XXXX ), a collection for XXXX. Insurance information was given at point of service, and apparently, the original company never submitted a claim to insurance nor did I receive a bill for this service. More than a year and a half later I received a bill from collections for this service. I was refused an original copy of my service bill ( it 's not even possible to verify I used this company ). The company ( XXXX ) will not even discuss this matter with me as they state it 's been sent to collections leaving me with no recourse or ability to verify I used this service. Shortly after, this bill was sent to the above collections agency and is now showing on my credit report as derogatory. The collections company states they have no information other than the bill ( although XXXX seems to have access to my protected health information, which is a separate legal issue ). The collection agency refuses to work with me ( in fact the owner hung up on me on my most recent attempt to gather information ) and further threatened ongoing negative reporting unless I pay in full immediately ( without further information ). The collection agency is now harassing me with telephone calls since I 've reached out to them but will not give me information to verify this bill. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX
Product: Student loan

I am receiving a bill from Bank of America for a student loan I do not believe I received. I have attempted to contact them many times including leaving voicemails, calling the BoA main number, and noone has been able to find this loan in their system yet I continue to receive a bill from them monthly.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid the remaining balance on our XXXX XXXX XXXX off ( Comenity Bank ). Mine was {$200.00} and my husband 's was {$710.00}. The following month, we got new statements showing {$0.00} balances. However, they were charging me {$1.00} in interest and my husband {$4.00} in interest ( on XXXX balance ). I called as soon as we got the statements and was told the interest was carry over. She took my balance down to XXXX  and we closed our accounts, but she said she could not remove the {$4.00} on my husband 's statement. We then got a new statement showing he now owes {$9.00}. I called on XX/XX/XXXX and was disconnected twice after explaining my complaint and was told because the account was closed, they could not help. The third time I called I asked for a supervisor and again explained the situation. He stated that because I did not pay it off in XXXX, there was a fee that showed up on the next statement. I replied that the next statement was the one I paid in full and there should be no more fees. I told him even though it was only {$4.00}, it's the principal and that these fees could continue forever and it's quite a racket. He said it is completely legal and those fees would not be removed! I said I would take it all the way up to the president of XXXX, to which he replied, who do you think implimented it ....
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection for the amount of {$1900.00}. This has been added to my credit report from NCP Finance. I dispute this collection because the account has been settled. I would like for NCP to provide me with a copy of the original contract between myself and and the original creditor with my signature. I would also like a full detailed accounting history on the account and the calculations on how they reached the amount due. I also would like proof of the date of the last payment on this account.
Product: Mortgage

On XX/XX/XXXX, Mr. Cooper charged me a $ XXXX county fee. This fee was included and paid on XX/XX/XXXX during my closing. My closing cost detail sheets include this fee paid to the county. Also, Mr. Cooper charged {$5.00} in " other fees due '' for a service that was not rendered nor authorized. I never authorized an Exp Quote Delivery Fee. On XX/XX/XXXX, I placed a call to Mr. Cooper requesting an immediate payoff letter. The representative stated I needed to call back in a week and that expedited payoffs via email have a fee. I refused to pay the payoff fee and asked for a written notice on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. My request was intentionally delayed by staff. After multiple requests, I received the payoff on XX/XX/XXXX. Although, I received three other notifications from Mr. Cooper within that timeframe, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request reimbursement for these erroneous charges totaling {$55.00}.