23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX. 

XXXX XXXX XXXX XXXX
Product: Debt collection

My complaint is regarding MediCredit, the debt collector for XXXX XXXX, where I received medical attention on XXXX occasions last year. Initially, I started making payments directly to XXXX XXXX, but they later transferred my debt to MediCredit. 

First, I did not receive any document from MediCredit explaining the amounts of the debt. They only called me, informing me that I owed money to XXXX XXXX and that I needed to pay. They contacted me multiple times, and each time I requested that they send me a bill via email, but they refused, saying they were not allowed to send information via email or mail. As a result, I did not know how much I owed. 

When I reached out to XXXX XXXX, they informed me about the outstanding amounts but instructed me to contact MediCredit for payments. I proceeded to make several payments to MediCredit, but they never sent me any receipts to confirm these payments. The only receipt I received was for the most recent payment made today, XX/XX/XXXX, for {$430.00}. Prior to that, I also paid {$470.00} on XX/XX/XXXX, but again, I received no confirmation of this payment. 

I kindly request that MediCredit provide me with a clearance letter ( " paz y salvo '' ) and proof of all payments I have made to them. Every time I call, I am attended by a lady named XXXX, but she does not provide accurate information, becomes upset, and fails to explain things clearly. 

As far as I understand, the accounts I had pending with XXXX XXXX, which I have now paid, are : XXXX, XXXX, and XXXX for XXXX services on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, I made payments directly to XXXX XXXX in the following amounts : {$75.00} on XX/XX/XXXX, {$75.00} on XX/XX/XXXX, and {$150.00} on XX/XX/XXXX. 

I am requesting the following : That MediCredit issue me a clearance letter and stop calling me. 
That MediCredit and XXXX XXXX verify whether the amounts I paid directly to XXXX XXXX were accounted for and deducted from the total I was charged by MediCredit, refund me if it applies. 
That XXXX XXXX issue me a clearance letter as well.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cashapp handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notification that my addressed was changed at XXXX. Which is my correct address. My concern is that its gon na change again and then has my credit report been sent to that address? Why is my address on my file keep changing? Then you want me to send all these documents to prove where I live. I wish someone will do there job and make sure thus stops happening. Something obviously going on here. I have to call and spend hours on the phone when I call XXXX. Last time I called was on the phone and was transferred and spoke to supervisor almost 2 hours!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. Transunion and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified accounts on my report that are a result of identity theft. These items are not related to any transactions completed that I've made. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Having been paying on wedding ring faithfully every month. There have been a couple of months that the payment was made  but Capitol One proce ssed it a day o r two late,  so therefore they hit me with last payments and fees and they keep racking them as I am only paying the amount that I agreed to when I signed the contract. Tried speaking with them and they state they can only go back a year, which would have been   XXXX   XXXX     and during that time the payment was processed late twice, however, they will not let me know what the payments were before that time. My credit has been highly affected by this. I have spoken to my attorney about this and he suggested I contact you as I am probably not the only person they are doing this to.
Product: Checking or savings account

I have a business checking with JP Morgan Chase. I deposited my funds in a check made out to my business XXXX XXXX XXXX in the amount of {$10000.00}. They restricted my account and when I called to get funds verified to be released they wanted to call maker of check when maker was called it had gotten verified. But when I had spoke with representative they told me they need to leave a note for the back office to release my funds call back in two business days. But I wanted to make sure they did their job properly so I called back later that day and another representative told me that there are no notes left to have my account unrestricted and that my funds will not be released. So I called back on XX/XX/year> which is next day I spoke with supervisor she told me everything was verified but my account will be closed still even though I did nothing wrong and my funds will be sent out. To make sure this was accurate I called back XXXX hrs later and its a whole different story again they were telling me that my funds will not be released and my account will be closed.
Product: Debt collection

My cable was turned off due to hurricane XXXX XXXX. XXXX was paid through auto pay. Due to hurricane the apartment wasn't livable. We were evicted, I returned the cable equipment back to XXXX like I was told. I was told that they owed me a credit because they kept taking the auto payment out. Then when I found a new apartment they came an connected it on XXXX. Then I had the cable turned off due to death in the home, they told me to bring the equipment so I did. I started receiving letters from the collection offices XXXX different collections. I have been talking to suddenlink on different occasions concerning this you never speak to the same ones and they all tell you something different. I have credit that I have yet to receive of XXXX. I spoke to someone from there asking why I was receiveing a collections bill I was told they didn '' t see that in their notes cause the bill was paid in full. But I'm continuing to receive them. I have called them and they say the eqipment wasn't turned in them when I ask them if I have equipment why would they send someone to put in the New cable. Then they tell me they're sorry they did receive the equipment and owe me an equipment charge of XXXX. So how do I keep getting a collections letter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I checked my credit score and was suprized to see that it dropped XXXX points. after i check out why I found out that someone applied for a credit card in my name through JPMCB Phone number XXXX XXXX XXXX XXXX, XXXX XXXX requested a copy of the application. The rep. informed me that I would get it in the mail in 2 weeks. After waiting 2 and a half weeks no application. I did call again and was told that it would take 90 days to get it mailed to me. I don't know what to do to get my credit score points back. In another week 90 days will be up and I don't expect to get a copy. No one is investagating it. XXXX points means a lot to me.
Product: Student loan

I had student loans through XXXX, which is a loan servicer for the Department of Education. I paid off the loans in full through their website, but this did not cancel my regular monthly payment, as one might've hoped, so that went through and they were overpaid by {$570.00}. I called XXXX about this and the first person I talked to said he would put the refund through right away and made it sound like I'd be receiving it shortly. But when I didn't see it after a week, I called again to ensure it had been processed and the new representative told me it takes 7-10 days on their end to process and then up to 45 days to process via the U.S. Department of the Treasury. It seems really offensively inefficient that after paying off these loans without issue for years that they would now keep XXXX {$600.00} of my money for such a long period of time. I would not be allowed such a courtesy if the roles were reversed and {$600.00} is nothing to sneeze at. I want to know why it takes such an extremely long period of time to refund such a substantial sum of money to me? If I were to take my sweet time paying my loans you would not be quite so patient with me so I don't see how this is just or fair. Am I allowed to charge you interest until you pay my money back? No. So I'm not understanding why the processing time is so unreasonable and no one at the business was able to answer my questions about this.
Product: Debt collection

XX/XX/XXXX : I received ANOTHER notice from my employer about my wages being garnished from said company. I had already been previously garnished from them about 3 months before. The debt from before was approximately {$1600.00}. The new amount being garnished is now over {$500.00}. I called and asked for the name of the company seeking payment and dates from when this was owed. I have been divorced since about XX/XX/XXXX and we had an agreement to split out debt. This was from XX/XX/XXXX!!! I am sure the other debt was even older than that. I recently discovered that Oregon has a statute of limitations on debt ( 6 years ) and of course, I am concerned because maybe 10 years can go by and maybe they contact me again about some other debt or they are soliciting companies that I owe debt with and they have a " standing judgment order '' that I do not know about?
Product: Prepaid card

On XXXX XXXX I had fraudulent transactions of {$2400.00} on my NetSpend Skylight account while I was working I notified Netspent right way and their response was to cancel my account and withhold the rest of my money for almost a month, I filed a dispute and spoke with different people at their customer service and they said to wait that they will send me the documentation of their investigation but it was all lies I never got a written notice on why they are denying to refund my {$2400.00} I got help from my Brother  XXXX XXXX he submitted a complaint XXXX XXXX but after 15 days their response was that they cant give information because he is not in my account, NetSpend is also saying that they did try to contact me but they couldnt reach me, that is a lie because I spoke with XXXXXXXX XXXX on XX/XX/XXXX after my brother submitted the complaint they contacted and told me I will get an answer back in 24-48hrs but nothing had happened its has been over 3 month waiting for them to respond but they still refusing to to give my money back or written notification on their investigation they are not doing what they are telling me that they will do all this time its have so frustrating I had to borrow money to pay my rent on XXXX. Please I need them to refund my money.
Product: Credit reporting or other personal consumer reports

My personal information was compromised during the XXXX data breach and the XXXX inquirer data security breach. These accounts were listed on my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. This a violation of the FCRA privacy rule in 15 U.S.C. 1681 and FCRA subsection 605b. It is illegal to report information on my credit report without my permission. Please remove from my credit report.
Product: Credit reporting or other personal consumer reports

My personal and financial information compromised without my consent or authorization. The family education rights, and privacy ACT FERPA protects the confidentiality of students ' records. This breach is a clear violation of FERPA and it's your responsibility to safeguard my information. Given the severity of this breach and resulting compromise of my personal and financial information, I request you immediately cancel and discharge all my student loan debts. You have 5 business days to resolve this issue.

Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report XXXX XXXX XXXX XXXX XXXX  due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies that the months of XXXX, XXXX, and XXXX of 2020 allowing the extensions of XXXX, XXXX, XX/XX/2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and XXXX XXXX XXXX XXXX XXXX  is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.
Product: Mortgage

An Area Sales Manager for Wells Fargo Home Mortgage was quoting interest rates to a consumer with no active NMLS number.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC REPORT WAS SENT VERIFIED TO EQUIFAX AND THE COMPANY HAS RESPONDED BY SAYING THE ITEMS REPORTED ARE VERIFIED AND UPDATED. THEY NEED TO LOOK AT FTC REPORT AND REMOVED INACCURATE INFORMATION. 


ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
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 Account XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX5 U.S.C 1681 SECTION 602 A states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 SECTIONc. ( 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 1681 SECTION 602s2 ( 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, credit repair services, or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 

Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance reporting 30 days past due XXXX of XXXX - I have a XXXX account but this IS NOT it and I have never been late MY ACTUAL CARD XXXX XXXX XXXX  ( XXXX ) Current Balance {$0.00} Available Balance
Product: Mortgage

On XX/XX/XXXXXXXX XXXX XXXX rescission of signature was recorded to public record in XXXX XXXX Arizona, XXXX # XXXX rescinding signatures on a Deed of Trust recorded XX/XX/XXXX XXXX # XXXX in XXXX XXXX, Arizona and removing the listed trustee 's, appointees, and beneficiary per Truth In Lending Act ( TILA ) 15 USC *1601 et.seq, and 12 CFR Part 226. 

Under this rescission the lender was required to cancel any security interest in the borrower 's property within 20 days. The lender acquiesced through non-response, affidavit of non-response recorded in XXXX XXXX, Arizona registry # XXXX. 

As of today, XX/XX/XXXXXXXX XXXX the lender, LOANDEPOT.COM, LLC has refused to respond or release any securities and is also pursuing foreclosure on the property in direct violation of the above. The required 20 days have passed and the lender has not complied with the rescission.
Product: Credit card or prepaid card

I received a 30-day late for the month of XX/XX/2018. I was not aware of any payment being due and once I contacted the merchant, they informed me that they were contacting me, which happened to be at a phone number that was not mine, in addition to, stating that I had indicated to not receive any account communication from them which is why I hadn't received any type of email or notice by mail. The information they advised is not accurate. I would have no reason to provide any phone number other than mine and since I receive most of my credit account updates by email, there is no reason why I would have opted out to receiving payment communications regarding this account.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : RE : Debt Collectors Claims referencing, Alleged Creditor : XXXX XXXX XXXX, XXXX. 
Alleged Account No. : XXXX Alleged Amount Due : {$2400.00}, Alleged Creditor : XXXX XXXX XXXX, XXXX. 
Alleged Account No. : XXXX Alleged Amount Due : {$1400.00} CERTIFICATE OF DEFAULT/ FINAL OPPORTUNITY TO CURE Dear XXXX XXXX , This letter serves as formal Notice of Default and a final opportunity to cure, regarding the above-referenced debts that your company claims ownership of and alleges my liability for. Your continued furnishing of this erroneous information constitutes fraudulent action, as your company persists in reporting this unsubstantiated debt and pursuing collection attempts. Please be advised that these actions have caused me significant financial harm and grave distress. 
As previously stated, copies of billing statements and unsworn claims of ownership are inadequate and insufficient to establish a legitimate claim in a court of law. Your company has failed to certify that it possesses or can produce the original document obligating me to pay, either for my review or for review by a judge in a court of competent jurisdiction. As your legal team should be aware, under the rules of evidence, producing the original document is crucial to establish standing in any legal claim asserting that a debt is owed, especially when the claim is challenged. 
In addition, your company has not provided the required debt collector certification, further discrediting the validity of your claim. By failing to produce this documentation, your company has effectively admitted that it does not have a valid or enforceable claim. 
Please be advised that your company is engaging in fraudulent reporting, in violation of Title 15, Section 1611 of the U.S. Code. By continuing to report inaccurate, incomplete, and unverifiable information after being notified, the respondent assumes liability for these actions. Liability for this debt has not been lawfully established. 
Please be advised that Respondent is engaging in fraudulent reporting, in violation of Title 15, section 1692 ( e ) of the U.S. Code A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Liability for this debt has not been lawfully established. PLEASE SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off on the XXXX   XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score.  These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.