23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On or about XXXX XX/XX/XXXX 2024, I recieved notification that my grace period for my student loan serviced by Edfinancial had ended and that I would be expected to begin payment in XXXX. I promptly responded notifying the service provider that my repayment should not be restarted becuase I was currently enrolled in school and would be until XXXX of 2024. They resposded with generic information about student loan defferment and different military service acts and waivers relevant to student loan repayment but did not directly address the issue of them restarting my payments while I was still currently enrolled in school. I recieved no further follow-up from the loan servicer until yesterday XX/XX/XXXX when I recieved a billing statement for my loan due by XX/XX/XXXX that is not appropriate as I am still enrolled in school until XXXX. I have attached my enrollment verificatoin from my university as well as a copy of Edfinancial 's nonresponsive reply to my email notifying them that I was still in school and that restarting paymenst was not appropriate at this time for your reference.
Product: Credit reporting or other personal consumer reports

I discovered errors on my credit report related to my name. Despite submitting proof of my correct name, the errors have not been corrected by the credit bureaus : XXXX, Experian, XXXX ). 

I initially contacted the credit bureaus on XX/XX/year> I provided proof of my correct name, including ID, and other documents. 
I have received automated responses but no resolution to the issue. 

These errors are impacting my ability to get a loan Received automated responses but no resolution. XX/XX/year> I requested that the name errors on my credit report be removed. I sent in proof of my name and requested they remove name errors as well as associated accounts with name errors such as XXXXXXXX XXXX  and XXXX XXXX XXXX. I keep getting automated responses - filing complaint for
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent 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 Fraudulent Inquiries made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by XXXX on EQUIFAX. These accounts and inquiries are unauthorized and fraudulent and requesting immediate deletion/removal of both inquiries and accounts.
Product: Debt collection

Today I noticed a collection on all three credit reporting agencies ( XXXX, XXXX, and XXXX ). I was not aware that I owed this debt. I was not notified of this debt. The Consumer Financial Bureau ( CFPB ) states, " debt collectors should follow certain steps before reporting a debt to a credit reporting company. These steps include : ( 1 ) Speaking with you in person or by phone ( 2 ) Following the rules about how to contact you ( 3 ) Mailing a letter or sending an electronic communication about the debt ( 4 ) Waiting at least 14 consecutive days to see if a notice of undeliverability comes back '' However, I was not notified in any of the ways of the debt. Instead, this company took it upon itself to place this on my credit report without giving me a chance to verify the debt or notifying me. 

I never received a phone call or an email. My email often changes due to security and storage purposes. I also have never spoken to them by phone. I have also never received a piece of mail ever... I have never seen or spoken to them in person. 

I am completely disgusted at how collection agencies can ruin someone's life and post fraudulent stuff on someone's credit report and get away with it. I want this derogatory remark removed from every credit reporting agency immediately or legal actions will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Outline of my dispute with XXXX XXXX and TransUnion Credit Bureaus / Reporting Agencies : XX/XX/XXXX - Requested an investigation of a XXXX XXXX Bankruptcy via a letter sent standard US mail. 

All three reporting agency responded stating the XXXX XXXX XXXXnkruptcy was verified by XXXX XXXX XXXX. 


XX/XX/XXXX I contacted the XXXX XXXX and TransUnion via a letter sent certified mail requesting an reinvestigation of a XXXX XXXX  Bankruptcy as via XXXX certified mail. In which I provided all three reporting agencies with a letter from XXXX stating that XXXX was unable to verify the accuracy of the bankruptcy. 

All three reporting agencies responded stating the account is verified accurate. 

XX/XX/XXXX I contacted the XXXX XXXX and TransUnion via a letter sent certified mail requesting they provide me with the XXXX XXXX XXXX for XXXX XXXX Bankruptcy. 

XXXX responded stated that the company that reported the information has certified to XXXX that the information is accurate. - despite me providing the letter from the company ( XXXX ) admitting that they are unable to verify this account. 


TransUnion LLC stated that the XXXX XXXX Bankruptcy is verified by the furnisher USBK Court New Jersey. - I have provided a letter from the US Bankruptcy Court of New Jersey stating that the court does not report information directly to the credit bureaus / reporting agencies. 

XXXX stated that the account information was obtained from third party vendor XXXX XXXX XXXX- despite me providing the letter from this vendor acknowledging that they are unable to verify this account. 

Despite countless efforts of providing sound evidence of the inaccuracy and reportability of this XXXX XXXX Bankruptcy to XXXX XXXX and TransUnion Credit Bureaus XXXX Reporting Agencies they refuse to remove this inaccurate item from my credit report. The credit bureaus failure to ensure that the information they are report is verified and accurate is having injurious impact on my life and ability to trust the systems.
Product: Debt collection

On XX/XX/XXXX, I noticed that a collection had been added to my credit report. It's for an emergency room visit on XX/XX/XXXX. I never received a bill from the hospital or noticed that I had a delinquent bill at all. After contacting the collection agency, Commonwealth financial ( XXXX XXXX XXXX XXXX, PA XXXX ) XXXX, requesting information on the account 's validity, I was told that multiple letters were mailed to me already. I never received a letter, phone call, or email from this company, so I filed a dispute through XXXX  on XX/XX/XXXX. XXXX  came to the conclusion the account was indeed valid. I contacted the collection agency once more to see what I could do to take care of it. I was told to either pay the full amount of {$760.00} or settle the debt for {$500.00}. I let it be known that it would be impossible to pay either amount for the simple fact that I lost my XXXX XXXX due to the Covid 19 pandemic and that I had already been waiting for weeks to receive unemployment. Then the customer representative hung up on me. Months go by ; now it's XX/XX/XXXX, 4 years and eleven months exactly since the emergency room visit. I find an app for XXXX XXXX Hospital, where the er visit took place in XXXX, TN. I was able to find my medical records from XX/XX/XXXX. Yes, I apparently was there, but that's all the provided informationno reason for the visit, not treatment, no medication, nothing. I was able to find the Doctor, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX, I believe, are companies involved. They may even be the same. I mean, they have the same address. I looked him up, and I see that his office is permanently closed. I also see alarming reviews about him scamming patients by charging their bills within 90 days and not giving them the chance to dispute or even try to pay it. He sends them straight to collections, which seem to be scam companies. I didn't know what else to do so I decided to file a complaint. Please help in any way you can. Thank you so much for your time.
Product: Payday loan, title loan, personal loan, or advance loan

I currently have an online installment loan with Explore Credit for {$500.00} that began on XX/XX/year>. I first reached out to them, as I could not logged in to my account, due to it being disabled. In my communication with them about this, they first mentioned my " account looks good '' and to send them a screenshot of the error. I then reached out for an update on this on XX/XX/XXXX after they mentioned it would be escalated on XX/XX/XXXX. Then, on XX/XX/XXXX, I had XXXX split payments for my first payment when I do not recall arranging split payments, one being {$18.00}, the other being for {$55.00}. There was no correspondence about this, but only after the fact on XX/XX/XXXX, due to a " technical issue ''. During this sequence of events, I first sent an email to them on XX/XX/XXXX to revoke my ACH Authorization, as I was not comfortable with the ACH payments after all of the events. I did not hear back, so I emailed for a second time on XX/XX/XXXX. I still did not hear back, so I emailed again for a third time. I emailed initially on the XXXX to prevent the payment on the XXXX from going through. I then had to call Explore on XX/XX/XXXX, I spoke with XXXX from Explore Credit at around XXXX and it appears that the request for revoking my ACH Authorization originally on Tuesday, XX/XX/XXXX did not go through, as the payment still went through for XX/XX/XXXX. XXXX recommended I place a Stop Fee with my bank for {$30.00}, however- it was too late to do this, as the payment already went through. As of XX/XX/XXXX, I am waiting for an ACH Revoke form from Explore, as XXXX mentioned I would be receiving this instead of just honoring my ACH Revoke request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you check the documents? Some listed accounts have inaccuracies in reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two accounts was to be removed due to the age of the account. This account is past 7 years old. By law, u can only have a debt on a credit report for 7 years. Please remove both the following. 

XXXX XXXXXXXX XXXX Acct # XXXX to be removed XX/XX/2018 XXXX Acct # XXXX-Was to be removed XX/XX/2018 2018
Product: Mortgage

I have an escrow account with US Bank Home Mortgage to pay property taxes and property insurance. US Bank failed to make the payment on its due date ( XX/XX/XXXX ) - I talked to them 3 times and was assured the payment will be paid, it is 2 weeks past due now. There is no sense of urgency from US Bank to resolve the issue even though they were informed that I have notice of cancellation from the insurance company. 

XX/XX/ : Contacted US Bank regarding insurance payment - I was told that no premium notice has been received even though XXXX XXXX had sent 2 premium notice. I was told that the address on the premium notice was incorrect - US Bank never notified me about change of address. 

I was told to upload the premium notice through ihaveinsurance.com/usbank - the document was uploaded on XX/XX/2019 XXXX XXXX PST XX/XX/2019 : Called US Bank as no payment was made. US Bank representative confirmed the premium amount & address and assured me that payment will be processed the same day. The representative was informed about the notice of cancellation.

XX/XX/2019 No payment made - called US Bank again- the representative told me that we don't have premium notice, even though on XXXX they confirmed the premium amount. Talked to 3 different representative and all of them refused to resolve this issue. I was told to call back on Monday, XX/XX/XXXX and none of the representative were concerned that the insurance will be cancelled within a week.
Product: Debt collection

Repeated and Harassing Robocalls from Midland Credit Management. When I have attempted to answer and confront these harassing and unwarranted calls, no one is ever on the line. I have waited for a rep to come to the robocall, with no results. 

( See attached call records from my phone ).
Product: Debt collection

midland credit management keep attempting to collect this debt of {$490.00} that they received from XXXX  XXXX XXXX, I did not open the original account, it is not mine. i have disputed this information on my credit report with XXXX and XXXX XX/XX/XXXX at that time it was not on my XXXX report. This item was removed from both credit reporting agencies in XX/XX/XXXX as not valid. because it was removed from XXXX and XXXX. Midland credit placed this debt on my XXXX credit report. i do not owe this debt and i would like for Midland to leave me alone regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter on XX/XX/2023. I told the credit bureaus to " investigate all information '' on the accounts listed. Also attached is the letter I sent to all 3 credit bureaus. 

According to the FCRA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or a mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also some of the accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX  XXXX XXXX
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 process 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.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 process 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.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 process 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. 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 process 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.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 process 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.
Product: Checking or savings account

I filed for California Unemployment Benefits online in XX/XX/XXXX. I did not receive my Bank of America ( BofA ) issued debit card and thought there was an issue with my claim. I was finally able to reach an XXXX representative on XX/XX/XXXX and was told my claim was active and advised to call BofA about getting a card sent to me. I spoke with a BofA representative who located my account and informed me that the initial card was fraudulently activated and used and she proceeded to close that card and issue me a new one. The rep also reset my online banking credentials and PIN so that I could access my account online. I was told to contact the claims department to file a dispute for the unauthorized charges made to my account. On XX/XX/XXXX I filed the disputes. I was told BofA would issue a provisional credit and mail me more claim information in the next 7 -10 business days. After receiving my card, I created a login for online access and didn't see any credits applied to my account. I called the claims department back on XX/XX/XXXX and a rep told me there was some kind of system error affecting many accounts and that she would need to " escalate '' my claim. Again I was told I'd receive credit within 10 business days. On XX/XX/XXXX I still hadn't received any credit so I called the claims department again and was told because of a banking holiday on XX/XX/XXXX the tenth business day was XX/XX/XXXX and the credit would be applied then. XX/XX/XXXX still no credit. I called the claims department again on XX/XX/XXXX and was told no time-frame could be given. I have not received any correspondence from BofA regarding my disputes. My claim with XXXX is in good standing. Federal Law and BofA 's cardholder agreement establishes my right to receive provisional credit for unauthorized transactions within 10 business days while the bank investigates my claim. In this context, Bank of America is violating this right by failing to issue credits to my account for these fraudulent transactions. 

On XX/XX/XXXX I filed the above complaint. A BofA Resolution Specialist called me on XX/XX/XXXX and left a voicemail with his number and hours of operations. He also sent me an email saying I needed to call him by XX/XX/XXXX and that either he or one of his colleagues would get back to me. I called him multiple times on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I left multiple messages and tried replying to the email he sent me and I haven't heard anything. When I call, the line does NOT ring, it goes straight to voicemail! The XXXX is a few days from now and its not looking like I'll be able to reach the specialist any time soon. This is so unfair and unprofessional.
Product: Debt collection

I started receiving collection notices for an accident with XXXX on a car that I have never owned or driven. I filed a complaint with the state insurance commissioner and they got the insurance company to cease collection efforts. then the collection agency started calling again. I have proven to the insurance commissioner that i was not the driver in the accident. what else can be done complaint number and response from dept XXXX Posted By : State Posted On : XXXX Hello, The company responded that they were ceasing recovery efforts from you. Can you please upload a copy of the latest documents. I will forward this to the company in a follow up inquiry letter. Thank you.- XXXX XXXX XXXX XXXX XXXX XXXX. 

Policy Insurance Card ID Number UNKNOWN Type of Policy Unknown Employer or Plan Sponsor Policy Number In what state was this policy purchased? 
Type of Insurance Automobile Specify if Other Claim Claim Number Date of Loss XXXX Other Party Other party 's name XXXX XXXX Other party 's Insurance Company XXXX Other party 's policy or claim number XXXX Complaint Details Detail of Complaint I RECEIVED AS NOTICE THAT XXXX IS MAKING A CLAIM ON MY MOTORCYCLE INSURANCE THROUGH XXXX. THEY DECLINED COVERAGE AS THIS IS A MOTORCYCLE POLICY AND EVIDENTLY A CAR WAS BEING DRIVEN. I HAVE NOT BEEN IN ANY ACCIDENTS DONT EVEN KNOW WHAT THE DETAILS OF THIS EVENT ARE. XXXX SAID OUR VEHICLE WAS A XXXX XXXX OR SOMETHING. I DONT OWN A CAR LIKE THIS. tHEY ARE NOW SENDING ME TO COLLECTIONS AND I WILL INCLUDE THE REQUEST FOR PAYMENT IF THERE IS A PLACE ON THIS SITE TO UPLOAD Describe what you would consider to be a fair resolution to your complaint THEY NEED TO FIND WHO WAS ACTUALLY INVOLVED IN THIS ACCIDENT OR OWNES THE VEHICLE INVOLED
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 
XXXX x x x x XXXX x x x x x x XXXX XXXX x x x x XXXX x x x x x x x x XXXX x x x XXXX XXXX x x x XXXX x x x x x x x XXXX XXXX x x x x XXXX XXXX XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Checking or savings account

Double overdraft fees to my account and i have overdraft protection added on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information 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 corrected : XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX  Balance : {$3100.00}