23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received services @ XXXX XXXX and the billing went to XXXX XXXX XXXX made a mistake on the EOB and did not process my account considering I have a Medical Financial Assistance status on my account. 

On XX/XX/2023 I wrote to XXXX to dispute this fact. XXXX ignored my certified letter. 
I spoke to the accounting department at XXXX and they refused to verify the EOB determination for errors. The letter was received and signed for 3 days prior to the due date. 

" XXXX : [ XXXX ] Okay. Yeah. So now we can't resubmit it over to XXXX because they're going to deny it due to the claim. If it needs to be resubmitted, then XXXX will send us over a new claim to get reprocessed. [ XXXX ] [ XXXX ] '' Since I demanded to be contacted in writing ONLY they immediately referred the account to collections rather than verify the debt. The original date due was XX/XX/2023 the account was sent to collections 10 days after the due date. The account was not even 30 days past due Then I was contacted by Financial Asset Management Systems " FAMS : [ XXXX ] XXXX placed an account with us since XX/XX/XXXX of this year with the balance. And we're just calling to see you. Wanted to make a payment on it. [ XXXX ] [ XXXX ] '' The date was XX/XX/XXXX XXXX business days later and she first said we sent a letter. I pointed out how absurd it was for me to think that they received the account on the XXXX and by the XXXX I received notice and had sufficient opportunity to dispute the debt. 

I notified FAMS about the dispute with XXXX. She did not care. I demanded notices by main ONLY no phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX-XXXX Inquiry from XX/XX/XXXXXXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I called experian to report fraud and to have inquires removed from my report. the representative did not want to help me. Stated because these are hard inquires I have to wait 2 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be the fourth attempt with Equifax to fix this error. I've called, file a dispute, filed with the CFPB and each time Equifax intentionally makes the error more egregious. I'm now being denied loans, credit cards, and student loans for my sons due to this error. They now put a 120 days late on a closed account consolidated in 2021 when I consolidated my student loans. I've provided them screenshot, letters from the department of education and now they've made the problem worst. This is a clear violation of my rights and has REAL damages to my both emotionally and financially.
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX XXXX XXXX, XXXX, in regards to an account with Nextep Funding. I advised the representative I was at work and unable to continue with the call at that time as I was expecting a work related phone call. The representative asked that I call her back later today. I advised her I worked late and would not be able to call back today. The representative continued to say " you are on the phone and when the call comes in you will know. '' She then proceeded to ask me questions in which I declined to answer and advised her if she would like to make an agreement to pay then to send it in writing to my address of record. She refused and stated that my credit is very important and it would have negative effects if I did not pay in full today. The company has already been reporting since XX/XX/XXXX to the credit bureaus. When I advised her that if I did not get off of the call, I would lose my job and not be able to pay, she threatened to " recommend legal action and negative reporting on my credit reports '' and would comment that I refused to pay. I disputed the balance owed ( as incorrect ) on XX/XX/XXXX with no response. On XX/XX/XXXX, I disputed again stating I did not receive a response within the allocated timeframe and requested the information be removed. This dispute is still active with XX/XX/XXXX and XX/XX/XXXX. I believe this company has violated both the Fair Credit Reporting Act and Fair Debt Collection Act with their illegal practices. I never received a letter to my address advising me that the account was moved to a collection agency or my right to dispute. They only send generic emails to the email address I provided at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I saw a post from a company called XXXXXXXX XXXX XXXX XXXX on XXXX on the XXXX XXXX XXXX XXXX. They were Hey Dude shoes that were custom made with XXXX XXXX logs and player numbers. I messaged the seller, and he stated the price of 2 pairs would be {$220.00}. I could send payment through apple pay or pay pal. I don't have XXXX so I said i would through PayPal. I tried to send payment through PayPal to his company, but it would not go through. Pay Pal stated at this time transaction can not be made. My son has apple pay so I stated I will try with his account. I Venmo my son {$220.00} and he tried through apple. The payment had gone through to seller at number XXXX. I then get a text from number XXXX that it was XXXX XXXX and the payment made to XXXX was refunded. Further information will be sent to XXXX on why it is refunded. And it gon na hit your account in the next 48 hours, sorry for the inconvenience. I didn't think anything of it because i thought it was being sent to me because my son 's phone is under my name. So I contacted the seller and stated what the text said. He walked me through on how to send the payment through PayPal. They way he told me to send it was as a personal payment. I didn't even know PayPal had that. The seller stated to send it to account named XXXX XXXX in the amount of {$220.00}. I sent the payment and never received the shoes. While on XXXX I saw the post for the shoes then noticed a few people say that they were scammed. I tried to contact the seller, but I was unable to send a message to the seller. They either had their account set to not receive messages or blocked me. I tried everything I could on my own. I contacted Pay Pal numerous times and the did not try and help me. I spoke with XXXX XXXX in XX/XX/year>, and she stated that she saw in her system that there were numerous complaints against the account for XXXX XXXX. PayPal also stated to contact my bank, XXXX XXXX XXXX XXXX XXXX, to do a chargeback. I contacted my Bank and Spoke with the Manager XXXX who stated that there was nothing they could do, they do not know what a chargeback is, and that it was PayPal 's problem. I have proof that other people have been scammed by this person. From XX/XX/year>, till now XXXX XXXX I have been fighting to get my money back. Both Apple Pay ( through my son 's account ), PayPal, and XXXX XXXX XXXX XXXX XXXX and basically said oh well and have not helped me. No matter which way I had paid this scammer I was scammed and unable to get my money back. Again, I have proof others were scammed. I would like help in getting my money back. I was scammed out of {$220.00} through XXXX XXXX and {$220.00} through PayPal. I am reaching out to see if I could help through your bureau. Thank you for your time and I look forward to hearing back from you.
Product: Debt collection

I received continued collection phone calls from XXXX ( XXXX XXXX ) and advised them I have no debt with them. They advised me they are collecting on behalf of an old debt in XXXX from HSBC. That debt was included in my bankruptcy and was discharged on XX/XX/XXXX. I had informed them and to stop. In spite of their system that shows my account was in BK, I continue to get phone calls and messages to collect this debt which is a violation of my bankruptcy discharge
Product: Credit reporting or other personal consumer reports

I sent a picture of my drivers license to my brother XXXX, he was in the process of trying to get a vehicle. The sales representative explained to us that I wasnt co-signing on a vehicle so they didn't need to run my credit so I believed him and provided my drivers license and the next day I began to receive notifications of all XXXX inquiries. In which I didnt consent of regardless if it was my brother or the auto company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX LVNV Funding LLC collection accounts was deleted on my credit consumer report from XXXX and XXXX per my dispute request. XXXX refuses to remove these negative XXXX accounts to present. After multiple certified mail attempts XXXX and LVNV Funding LLC will not verify or validate these collection accounts. XX/XX/XXXX debt validation and debt verification letters were sent certified to both companies and again could not provide any information to prove this debt. Today is XX/XX/XXXX, my rights have continously been violated. I have all documents saved for legal purposes if necessary. Attached are pictures of the deleted accounts. As stated, I have all records for legal purposes if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to you that, you, none of your action have complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX bankruptcy discharged # XXXX
Product: Checking or savings account

XX/XX/year> I reported a dispute for a transaction for {$170.00} for a purchase I returned XX/XX/year>, Lowe 's. I have received and offered proof of purchase and return from XXXXXXXX XXXX but was never issued a refund for from XXXXXXXX XXXX or XXXX. 

As of XX/XX/year> I have yet to receive any correspondence on despite calling on 6 sperate times. Each representative told me I'd receive a call back within 48 hours and no one has called or emailed.

This is the third dispute I have placed about fraudulent/ mishandled funds with this account that has yet to be resolved.
Product: Mortgage

We ( XXXX ) put in 3 offers to purchase XXXX XXXX XXXX in XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. MLS listing # XXXX with XXXX XXXX. Owner -XXXX . Short Sale purchase. XXXX XXXX has the mortgage & Servicing agent is Ocwen Loan from Florida. We have submitted ( 4 ) proof of funds from XXXX in our names & our XXXX, XXXX XXXX. We have had XXXX purchase & sale agreements with XXXX having a closing date of XXXX XXXX, XXXX. The purchase price of the property was agreed to be {$180000.00}. Our Att. XXXX XXXX discovered a Mass. DOR Lien on the property of {$16000.00}. In addition to the two other liens totaling {$16000.00} We asked for an extension so that this would be cleared prior to our closing date. We were denied the extension so we had to start the entire process again. Our case manager with Ocwen is XXXX XXXX. Loan # XXXX. After filing the paperwork for the 3rd time they denied our offer of {$180000.00}. We had to re-submit a new offer of XXXX. They denied this offer as well. How can this company do this when the {$180000.00} was agreed on back in XXXX XXXX, XXXX? This does not seem like a ethical business practice. We have discovered that this property ( XXXX XXXX XXXX, XXXX XXXX, MA. XXXX ) is now going into foreclosure on XXXX XXXX, XXXX! We have been trying to secure this property for two & 1/2 years now. We want to buy this property for the agreed purchase price of {$180000.00} with a clear title. I can be reached at XXXXXXXXXXXX. or cell phone at ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$720.00} On XX/XX/2022 I sent a certified letter to all three credit bureaus ( XXXX, XXXX XXXX Equifax XXXX asking for them to do a thorough investigation of everything on my credit report. On XX/XX/2022 XXXX stated that everything was accurate, and their investigation is complete. I never received any correspondence from XXXX or Equifax in regard to them researching my credit report. After completing some research on my credit report, I have still found some inaccuracies on my credit report even after their investigation was completed. 

In accordance with the Fair Credit Reporting Act 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.
Product: Debt collection

Collection Bureau Services Inc. of XXXX montana alleges that we owe them a debt, but they have never sent us the required notice of our rights to " validate '' or " dispute '' the alleged debt. The first communications that we have received from them, on the nature of this alleged debt, was a lawsuit stating that we owe them this assumed debt. A lawsuit is not a legal form of first communication on any alleged debt. Collection Bureau Services Inc. is practicing Unlawful Debt collection Acts. And since we were never given the opportunity afforded to us by the FDCPA guidlines. We have never had the chance to " validate '' or " deny '' this debt. Which is in direct violation of our consumer rights. As well as the fact that CBS Inc is misrepresenting whom the debt is being collected for. They state that it is being collected for XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX XXXX no longer owns this alleged debt. So how can they be collecting it for them? The supporting documents included : Support of the fact that we were not in default on our payments to the original creditor when they sold our debt off to a 3rd party. The supporting documents also show that CBS INC. Is not in fact collecting this debt for the original creditor as they claim that they are. But rather they bought our account from XXXX XXXX XXXX XXXX while it was in good standing, and currently was in the process of being paid on monthly by the us. The fact that we were not notified that our contract was going to be sold to a 3rd party without our consent, while it was in good standing and being currently paid on. Makes this claim even more outrageous. Our right 's have been violated, by the original creditor " XXXX XXXX XXXX XXXX '' as well as " Collection Bureau Services Inc. ''
Product: Payday loan, title loan, or personal loan

LONG STORY SHORT one main financial allowed ME TO BELIEVE I WAS GETTING A AUTO LOAN WHEN IN REALITY IT WAS A UN-SECURED LOAN AT A INTEREST RATE THAT IS SO UNFAIR, IT WOULD BE CONSIDERED ECXTORTION. THEY BREACHED MY CONTRACT THEY GAVE LEGAL ADVISE TO THE LENDER AND TRYING TO CHANGE MY CONTRACT TO SOMETHING SO OBSERED IT DOESN'T MAKE SENSE. THIS LENDIND COMPANY SHOULD BE INVESTIGATED FOR THIER COMPLETE LYING AND STEALING FROM CUSTOMERS.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors 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, remove the noteworthy of any information in my credit record that came about due to an 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, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX (account XXXX) that was foreclosed.  The mortgage had been passed to several other sources including XXXX XXXX XXXX (account XXXX).  The first delinquency prior to charge off was prior to XX/XX/2011.  But it has been passed around so many times that each company updates the date of last activity to when they got it.  These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed.  I have disputed them with the three credit bureaus and they have remained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a moneylion  account for a loan i previously had with them and I have disputed this information multiple times with no solution and or explanation of them finding the information accurate. I filed Chapter XXXX bankruptcy in 2019 with the State of AZ and received my discharge on XX/XX/2019. I have submitted disputes with the company directly along with tXXXX since that is the only bureau who is showing this incorrect information. I have attached my discharge court paperwork.
Product: Checking or savings account

i called bank of america to inform them about my EDD Debit card atm withdrawls made on my debit card and it was not i who made these transactions. So i was transfered over to the fraud dpt where i made the report of unauthorized transaction totaling the sum of {$1200.00} in two different ocassions the first one on the date of XXXX XXXX for the sum of {$980.00} and then again on XXXX XXXX for the sum of {$220.00}. Again i explained to the personel from Bank of America how Ive been a victim of fraud, The next day i call so i could get some type of feedback on whats the process and how long it takes come to find out my account is closed and no one can help me because the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed the contract for the loan on this vehicle. My signature on the contract would not be my signature if I did not sign the contact. This account was open by fraud and XXXX was under a multi-million dollar class action lawsuit for very similar practices. The account was sold to Jefferson Capital in which I never received anything in the mail advising me of these details. I do not have a contract with this company as well. I have attempted to make contact several times and disputed with the credit reporting agencies as well.
Product: Checking or savings account

Unable for the load fund agency to link bank account via security method.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe
that the information si inaccurate.
Product: Credit reporting or other personal consumer reports

Reporting information on a consumers credit report without their consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the inquiry from my consumer report no later than XXXX business days after such information I provide. Inquiry : ( XXXX XXXX  XX/XX/year> )
Product: Debt collection

I received a notice from Williams and Fudge bi have never had an account with them nor XXXX. This is fraud and I am convinced my bf did this. I submitted a FTC report and filed a dispute with the CRAs and ask that this item be deleted as they are violating FCRA and FDCPA.