23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX Ga billed XXXX. I contacted the facility where the procedure was performed XXXX XXXX and complained about their failure to disclose to me the estimate.. I was contacted by the facility patient advocate who said they would contact XXXX XXXX and ask them to hold the bill while I get these issues resolved.. I also spoke with the billing department on a couple of occasions.. I filed two appeals with my insurance and on XX/XX/XXXX I spoke with My insurance co who said they were sending checks for all of the undisclosed estimate.. XXXX check has been processed. I have no debt owed.. 
I received a call XX/XX/XXXX from a debt collector. I told him basically It was my belief XXXX  was holding the bill for me and I filed 2 appeals it took some time however my insurance is covering the cost and I dont owe anything.. 
The debt collector then said when an insurance company dont pay its the patients responsibility. I said I realize that but I dont owe anything now. He then said Im just going to report it to the credit bureau then he hangs up the phone.. I tried to call him right back phone rings no one answers l called twice.. I reached out to XXXX the person said we havent called you today.. I asked for a supervisor she said it will be 48 to 72 hours for them to respond.. At the end of the day I called The debt collector back for their information. I asked who called me this morning he said I did. I asked what is your name he said XXXX XXXX, I asked to speak with his supervisor, and he said I dont have one. I told him I will contact XXXX, who is your contact person there? He said I dont have that information and Im terminating this call and he hung up..
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several unauthorized inquiries have been made on my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all of the following inquiries be blocked and removed from my credit report immediately, as they are the result of fraudulent activity : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I submitted a consolidation loan for my federal student loans in XX/XX/year>, which are in Public Student Loan Forgiveness ( PSLF ) and were in the SAVE payment program. I am now supposed to be placed in an Income Driven Repayment ( IDR ) plan and my PSLF payment count should be updated so that all loans show at least XXXX payments. None of this has happened. I have contacted Mohela in XXXX, XXXX, and XXXX of XXXX. Nothing has been done. I have been put on a standard payment plan, which does not count towards PSLF and is close to 6 times the amount I was paying under the SAVE plan. After an hour on hold I was told that Mohela would not put me in forbearance, as required by the Department of Ed. After another hour on hold I was told that a request would be placed to put me in forbearance. I was informed that Mohela is unable to assist me in any way with PSLF, and that I need to contact Federal Student Aid for any assistance with PSLF. I have been in limbo for 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian + XXXX XXXX XXXX XXXX, On a recent review of my credit reports I discovered your company pulled my credit on Experian without my written authorization on : XX/XX/2021 I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. 

If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact Experian immediately and have them remove the unauthorized hard credit inquiry. 

Please send me a written confirmation that you have complied with my requests. 

I fully expect this unauthorized credit inquiry to be removed from Experian immediately as you will not find my written authorization as I did not give it. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. 

Thank you for your attention to this urgent matter. 

Attached to this complaint are : - copy of drivers license - copy of social security card - copy of address - snapshot of unauthorized credit pull
Product: Debt collection

There was no debt to begin with. I got in a standoff at an apartment I had years ago because they were charging me a $ XXXX rental insurance opt-out fee when I had rental insurance. Since it wasn't their insurance, they kept having issues " verifying '' the coverage and continued charging me. Since this $ XXXX wasn't accurate, I didn't pay it. The rental company then started charging late fees on the amount owed and tried to evict. There was ultimately no eviction as we went to court with this information and it was ruled in my favor. We ultimately decided to move after this experience and we mailed in the final rent check to their attorney as requested and was paid in full. It wasn't until months later that we started getting notices that we still owed our final month 's rent ( which wasn't true ). I had a lawyer at the time who drafted a letter to National Credit System, making them aware of this and to stop pursuing. They acknowledged it and said they were no longer pursuing the debt. However, it has continued to pop up on my credit report off and on over the years and it is getting incredibly frustrating to have to deal with this again and again and again. 

Obviously the rental dispute wasn't with National Credit System and they should honestly file a dispute with XXXX XXXX for selling them a debt that was already settled. NCS has even acknowledged this in their letter and claimed they would stop pursuing. And they did until it popped up again years later with no new evidence.
Product: Money transfer, virtual currency, or money service

Mr. XXXX used XXXX from Ally Bank to send Mr. XXXX {$400.00} on XX/XX/XXXX. Mr. XXXX waited 3 days before receiving a notification that the money was sent. 2 days later, Mr XXXX was notified that the transaction was declined manually by Ally bank. According to his bank XXXX XXXX XXXX. after a week of waiting around the money has not been recieved be Mr. XXXX or Mr. XXXX. After 2 more weeks of waiting both banks are now pointing their fingers at each other and at XX/XX/XXXX we are choosing to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to understand why my credit was again lowered, 2 years after what they thought was a missed lease closure payment ( it was settled 2 months later ). 
XXXX sent the correction at the time. But it was not recorded nor it brought to a raise back then. Now, 2 years later, it brought to one more hit on my credit score, which is costing me a higher mortgage refinancing rate proposed by my bank. 
My problem is even more general : the fact that I pay ( and paid for the last decades ) religiously, monthly bills for a total of more than {$5000.00} ( closer to XXXX these days ), does not map with the heavy score lowering for a few hundred bucks ( from the high 700 to the high 600 at the time, low 700 these days ).

The impression ( and complaint ) is that there is a credit bureau and banking system credit scoring cartel, to artificially lower the purchasing power of the middle class. 
There are thousands of credit score algorithms, whose formulas are well hidden, but every single one of them gives an exorbitant importance to late payment, independently of its size. 
From a logical point of view, this would push the cost of ( fewer XXXX large sums unpaid, on the ( larger number of ) small sums unpaid.

Nobody in the Credit Bureaus hierarchies ( I talked all the way up to a VP ) could explain any detail of the algorithm principles, as it's considered " automatic ''. 
But it's easy to reverse engineer the principles I delineated above. 
I have ( or can procure ) supporting documentation to prove payments and credit reports to show the impact, but I will provide it only upon request. 
Thank you and have a great day
Product: Debt collection

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.
When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.          XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

On XX/XX/2021 at approximately XXXX I received a voicemail from the following phone number XXXX XXXX XXXX XXXX XXXX claiming that they are representing the department of the treasury XXXX 

This is an important message from Pioneer credit recovery Incorporated this is XXXX I'm calling on behalf of United states department of the treasury the law requires we notify you that this is a debt collection company this is up to collect a debt and any commission obtained is used for that purpose call us back today at XXXX and when calling back please reference ID XXXX once again the call back at XXXX I have searched the phone numbers for any relationship to the department of treasury but I can not find anything related to the government but I was able to match it to a debt collector XXXX : XXXX. I believe these are scammers and they are impersonating the department of treasury.
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these inquiries do not belongs to me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have on numerous occasions asked, requested, and demanded that the 3 major reporting credit agencies Remove any and all fraud alerts and statements attached to my credit profile. Seemingly that the credit agencies has somehow over looked my request, Im now filing an official complaint and re requesting that the 3 major credit bureaus, ( XXXX, XXXX, and Equifax ) Remove All Fraud Alerts and Statements from my credit profile.
Product: Debt collection

n accordance with the Fair Credit Reporting act 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: Vehicle loan or lease

they approve on one of the loans XXXX XXXX, but i wanted the XXXX XXXX  as this vechile with another XXXX  XXXX  was higher, i like if the could XXXX  on XXXX  and not the XXXX  if they could switch, so XXXX  would have a lower rate
Product: Credit reporting, credit repair services, or other personal consumer reports

See included attachment named XXXX XXXX XXXX XXXX XX/XX/2022. 
My response to XXXX XXXX of my CFPB Complaint number XXXX XXXX XXXX XXXX XXXX requires much more than just a feedback as well as CFPB intervention. XXXX is simply abusing with their power and money.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ VW CREDIT INC XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. I is my understanding that you must verify these items with the reporting creditor for accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2023, I sent a series of credit disputes to Experian via USPS. These letters were prepared by me personally, and I ensured that all necessary supporting documents, including a copy of my bank statement, social security card, and driver 's license, were enclosed. I dropped these letters off at the post office and paid for the postage. 

However, on Saturday, XX/XX/2023, I received an email from Experian claiming that they received a suspicious request in the mail regarding my personal credit report and had determined that it was not sent by me. I immediately attempted to contact Experian to clarify the situation and confirm the legitimacy of my disputes, but they refused to accept my dispute and have left my concerns unaddressed. 

I respectfully request the CFPB to intervene and investigate this matter. The correspondence was genuine, and the refusal to process my legitimate dispute by Experian is both distressing and in contravention of my rights as a consumer. Their refusal to even acknowledge my attempts to rectify the situation has left me with no other recourse than to seek your assistance. 

I am more than willing to provide any additional information or documentation that may be required for a proper investigation.
Product: Vehicle loan or lease

Trying to get lates and derogatory remarks removed off credit from Santander XXXX. Loan was paid off in XX/XX/2022. I made several double payments and was current but they are still showing 30 day lates and 60-90 day lates from last year. Trying to get a mortgage and need these to be removed. Santander is not helpful over the phone said they could not do that did not matter that we double paid and over paid on the account. Said I should of called and told them my double payments were for certain months so I wouldnt of been marked late. They refused to take them off. I have has no lates in a year. These need to be removed. 
Santander is a horrible business to work with and is nothing but a headache. They take your money and make it as difficult as possible to make anything easy for you to be able to pay them.
Product: Credit reporting or other personal consumer reports

The accounts are not mine. I asked the creditors to provide any documents or agreements to which my signature was attached and a copy of my ID or Driver 's License. 
Accounts : XXXX XXXXXXXX XXXX Account no. XXXX XXXX : {$3100.00} XXXX XXXX Account no. XXXX XXXX : {$0.00} XXXX Account no. XXXX XXXX : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Curaao has been falsely reporting a balance to my credit. They are bullying me into paying approximately {$180.00} for merchandise I didnt receive. I was trying to pay this off just so they can stop falsely reporting a balance. They continue to refuse my payment by hanging up on me and transferring me to random departments. I am not XXXX or XXXX, so I have received XXXX discrimination from Curaao. I have filed a complaint with the XXXX XXXX XXXX. Curaao have called me XXXX names via phone and in person. I have a witness ( who was with me when I went into their store ) to their bad behavior and terrible business practices. I never received my order. They should either honor my order or dissolve the balance they keep falsely reporting. I have and will continue to dispute charges.
Product: Debt collection

Investigative Services claims I owe {$640.00} from an unpaid loan with XXXX XXXX XXXX. The first gentleman that called me claimed it was over {$700.00}, they have given me 2 separate dates one in XXXX and one in XX/XX/2016. I was very skeptical because I know I have never taken a payday loan that large and they are also inconsistent with the dates and amounts owed. I called XXXX XXXX XXXX and they advised me that my last loan with them was in XX/XX/2016 for a little over {$300.00} and was paid in full. I repeatedly asked for something in writing, after multiple attempts I got a form that is clearly a template with misspelled words on it and has a different amount than what was verbally asked for. I have asked for solid proof and they are not providing it nor emailing me back to answer my requests. They also are past the statute of limitations. I have advised them this sounds like a scam, They have called me 3-4 times in an hour, to the point I had to block their number. They have repeatedly called my mom 's phone. They do not leave voicemails. They have yelled at me to pay my bills when I have asked for proof. They have hung up on me when I said it sounds like a scam. I have never had a debt collection agency act this way. I believe this is a scam, they can not provide solid proof.
Product: Credit reporting or other personal consumer reports

Old address come in my credit reports that were not there before which leads to identity theft. I am entitled to have just my current address and number on file since I have been here. Old address from up to 25 years or more is on file. My information is exposed to criminals and dark web constantly. Old accounts keep coming up which is passed the time allowed. I did not give any permission for old addresses, accounts or phone numbers to be exposed. The laws of the FDIC on the constitution : 18 USC 1028A for hard inquires, 15 USC 1692 for late payments, and 15 USC 1601 for charge offs.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

This complaint is about Coinbase. On XXXX XXXX XXXX XXXX I initiated a transaction to buy bitcoin. Total amount was {$7500.00}. 
This amount was withdrawn from my bank on XXXX XXXX. But this transaction is still pending as of XXXX XXXX and bitcoin has not been deposited yet. 

I have contacted customer service several times and no response yet. Due to lack of response for CS I am wary of doing any transactions with Coinbase. If a transaction gets stuck there is practically no recourse with this company. This means that all my money from in the account is stuck. 

Customer Support Case id is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to open a checking account at BMO Harris Bank address XXXX XXXX XXXX XXXX XXXX Illinois XXXX telephone number XXXX inquiry date XX/XX/XXXX they said that my social security number was wrong I see on XXXX XXXX an inquiry with the wrong social security number XXXX is not correct it's XXXX I brought in my social security card and was still denied to open account Harris I have never provided any company that social security number. Please remove the wrong social security number XXXX off my report