23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a a unverified account from. I had previously disputed this account. I have never done business with COMMONWEALTH FINANCE # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt COMMONWEALTH FINANCE purport I owe. I request that COMMONWEALTH FINANCE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COMMONWEALTH FINANCE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Product: Student loan

I am not sure exactly what options for what this problem categorizes under. My problem is with Navient collecting on a private consolidation loan that should be discharged in bankruptcy. I am the cosigner of a private consolidation loan through Navient for my daughter. I have gone bankrupt in XXXX and she has gone bankrupt in in XXXX and XXXX. Yet Navient continues to collect on this loan despite being sent discharge orders from myself and my daughter. My daughter has continued to pay as to not ruin hers and my credit. My lawyer automatically said that since its a student loan it can not be discharged in bankruptcy unless you prove undue hardship which I know is virtually impossible to do. Upon hearing this, I brushed it aside much like my daughter did because it is widely understood that student loans cant be discharged. My daughter is also a full class member of the XXXX XXXX XXXXXXXX lawsuit and is in the process of getting her federal loans discharged. The schools she went to are the former XXXX University and former XXXX XXXX XXXX both of which have closed and are on the list of schools included in the lawsuit. I recently read an article the CFPB has written about heightening its scrutiny against private student loan servicer on people who have gone bankrupt. I have attached the article. I am not sure if I am allowed to attach bankruptcy discharge papers which has personal information on it but will send it upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not sent out the results of my inquiry disputes as of yet I need the results mailed to me.
Product: Debt collection

My credit is being ruined by a collection agency which I have no knowledge of or an account with yet they are being allowed to take fraudulent activity and have sent no verification of proof of the debt like I asked
Product: Student loan

I am in the XXXX XXXX XXXX XXXX program and have been re-certifying my employment every six months as recommended by a financial advisor. Everything in my account is up-to-date and current. I submitted paperwork certifying my employer this summer and received notification that I had XXXX qualifying payments remaining as of FedLoans letter dated XX/XX/21 ( attached ). I re-submitted by certification this XXXX and FedLoans no tells me I have XXXX qualifying payments remaining!! How can I have more qualifying payments remaining now then when I applied to re-certify back in XXXX?? No one at FedLoans has been able to resolve the issue and I have contacted the company regarding the issue. I have all letters documenting the number of payments FedLoan says I owe for each time I have re-certified my qualifying employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with Experian and the collection agency requesting the validity of a debt and full investigation XX/XX/2019 and XX/XX/2019. These are only two of many disputes over the years in regards to the incorrect information being reported in regardsto this account. Like all the former disputes, both disputed lead to the collection agency sending a bill with just an amount due and no charges explaining validity, and in return Experian leaves incorrect, non validated information on my credit report.I paid XXXX and transfered the account to another person years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter along with a copy of a letter from United States Bankruptcy Court and XXXX XXXX to Transunion challenging the accuracy, compliance and reportability of the bankruptcy on my credit report. On XX/XX/XXXX Transunion provide me with a updated copy of my credit report regarding the Bankruptcy with Transunion only saying the information was updated. XX/XX/XXXX I sent a letter to Transunion asking them to provided documentation on how they came about updating their information regarding the Bankruptcy listed on my credit report. On XX/XX/XXXX I received a updated credit report only this time Transunion saying the Bankruptcy is verified as accurate but they failed to provide documentation on how they verified the information and from who.
Product: Bank account or service

XXXX XXXX I was trying to purchase XXXX pair of XXXX shoes. While, process the transaction it continued to decline my transaction. I contact Wells Fargo to see why it was not going through, as I had plenty of money in my account due to income tax returns. I decided to pull my account up online and saw I had XXXX withdraws in the amount of {$420.00} a total of {$850.00}. My balance before the transaction was made was {$2200.00}. I decided to transfer the majority of the funds into my sons account leaving a total {$360.00} remaining. When the male representative came on the line I explained what happened he stated it was a security issues they wanted to make sure I was the one allowing the transactions and he could allow the transaction to go through. Unfortunately with me transferring the funds into my sons account and leaving only {$360.00} on the account I was not able to make the transaction go through. I asked the young man about the pending credit of {$850.00} and when it will be deposited back into my account he informed the funds from the transaction will deposit back into my account in a few day. I then informed him I will go ahead and may XXXX transaction for the shoes out of the Wells Fargo account and buy the other pair from my son 's account. I checked my account Monday/Tuesday and notice it was still a pending credit. I checked Wednesday night and notice the {$850.00} was no longer there as a pending transaction nor back into my account. I immediately contact Wells Fargo who stated they had no record of the transaction and they keep no notes. I was then told I never had the funds available which is why I do not see it. I requested a manager and requested for her to listen to the call since there were no notes. I also requested a phone call back in regards to this matter after the call was heard. I have yet to hear from anyone and no one would like to discuss the matter. I 've filed a complaint with your office and still dispute the answer given by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ( EARLY WARNING SYSTEMS ) HAS PREVENTED ME FROM HAVING A NORMAL LIFE. I HAVE XXXX BAD CHECKS AND THEY MALICIOUSLY CALL EVERY FINANCIAL INSTITUTION I APPLY TO AND CONVINCE THEM WITH FALSE INFORMATION TO CLOSE MY ACCOUNT ( S ). I HAVE ONE BLEMISH ON MY HISTORY. I LEFT AN ACCOUNT OPEN ( XXXX XXXX  ) WITH XXXX DOLLARS IN IT. I CHANGED ADDRESS AND DID NOT MONITOR ACCOUNT. THE CREDIT UNION ALLOWED A ONLINE SUBSCRIPTION THAT I WAS UNAWARE OF TAP THE ACCOUNT UNTIL IT WAS XXXX IN THE NEGATIVE. ON THE REPORT THEY PURPOSELY LEFT THE DOLLAR AMOUNT BLANK, SO THAT CREDITORS WOULD BE WARY AND NOT PURSUE THE BUSINESS RELATIONSHIP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud accounts were opened using my information and credit profile. The following rights of mine were violated and laws broken. 


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: Payday loan, title loan, personal loan, or advance loan

I previously had a {$5000.00} loan with OneMain Financial. As the balance of the loan approached XXXX, I experienced relentless harassment from OneMain through numerous sales calls, spam emails, and text messages. Coincidentally, I found myself in need of cash for an emergency, also around {$5000.00}. I spoke to a representative at the XXXX, Texas office, who insisted that I could only work with him in person. 

When I arrived at the office, I was placed in a room and left waiting for nearly XXXX minutes without any communication, except for occasional check-ins. After about XXXX minutes, the salesman informed me that my only option was to take out a title loan on my car for {$15000.00}. Though I initially declined, I eventually felt pressured to accept the loan due to my urgent need for cash and his controlling persuasion.

I made payments of {$590.00} a month on this loan for a few years. Unfortunately, tough times hit again, and I fell behind on my payments. After several attempts to negotiate a solution with OneMain, which offered no help, I ultimately defaulted on the loan. Three years later, I found a collection for approximately {$12000.00} listed on my credit report. 

I called OneMain to negotiate a settlement and requested that the collection be removed from my credit report. We reached an agreement stating that I would begin making payments on the settlement, and in return, OneMain would remove the collection. However, OneMain has not honored their part of the agreement. I am exhausted from the harassment, manipulation, and coercion by this corrupt lender.
Product: Debt collection

On XX/XX/XXXX I was seen at the XXXX XXXX  department. On XX/XX/XXXX I received 100 % patient financial services through this hospital. The patient financial services covered all dates of services through XXXX. A debt was sent to collections for this DOS. When I contacted XXXX they were unaware of this debt. Upon further investigation, it was found that the ER physician was contracted through XXXX and sent the bill out. When I contacted the ER physicians company and informed them of the patient financial service  they told me they were unable to help as they had already sold the debt. ( I received no bill from this provider ). The bill would have been 100 % covered under the patient financial services. I was contacted by MBA law. I submitted proof of this on XX/XX/XXXX, they did not follow up on this matter. I contacted them again today, to which they told me they need more proof of coverage. Furthermore, an additional debt collection agency has ( XXXX XXXX ) submitted this same debt to the credit bureau, with zero correspondence to me. I contacted XXXX  and have yet to receive a response. I contacted MBA LAW and they were unaware of who XXXX XXXXt was. At this point I believe my debt was sold to multiple debt collectors whom are all trying to receive the XXXX $ from me. This has negatively affected my credit score. Please help.
Product: Debt collection

I filed an dispute with the Collections Agency XXXX XXXX XXXX. Upon later reviewing my credit profile with the different credit bureaus, first I noticed that the XXXX Account only reflects the account being as closed on my XXXX report, but my Experian and XXXX report does not reflect that this account was closed by XXXX XXXX XXXX.
Product: Debt collection

Credit Acceptance keeps calling my number asking for a person named XXXX. I repeatedly told them, That I am not who they are looking for and that they have the wrong number and to stop calling me. 
I do not owe any debt to anyone for anything. 
They keep asking for my social security number and I'm not giving anyone my personal information. Also I advised the person to stop asking for it. I gave them my name and questioned them if I am the person they are looking for does my name sound like " XXXX ''? No reply. They left voice messages asking for same information. This is now harrassment!! As well as abuse to my cell service minutes that I pay for through XXXX. My Number is registered to my legal name : XXXX XXXXGet them to stop Please.
Product: Debt collection

I am not XXXX XXXX, do not know XXXX XXXX and they call and call and call and every new number is blocked and they spam call and spam dial non-stop. This is clearly illegal and this is a cell phone which is prohibited by law.
Product: Money transfer, virtual currency, or money service

Here are the details on my case. I have not loaded XXXX with Paypal in years which I've confirmed on my transactions with them on the website. 

The denied me with the following reason : Case status : Closed Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. 

Case ID : XXXX Seller info : XXXX XXXX XXXX XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX Additional Info Your note : I have not used the XXXX XXXX  recently. I did not authorize this transaction. Someone hacked my XXXX account, loaded {$25.00} on to it and then spent it. I have called XXXX twice now and the call has been dropped twice. I've spent a couple hours trying to get my {$25.00} back with no success. 

The XXXX XXXX lacks basic security as you can not log out of all locations, even if you change the password, that does not mean your account is logged out. When I noticed this, I removed all payment methods from my XXXX account. 

I did not make this transaction at all. As far as I can tell, I have not used Paypal to load my XXXX XXXX  in years. Using my XXXX XXXX card gets me XXXX points, so there is no reason to use Paypal for a load. 

Item details Item name : XXXX Card Reload Item description : Reload Quantity : 1 Transactions not refunded XXXX  XXXX XXXX XXXX XX/XX/XXXX, Preapproved Payment Transaction ID : XXXX - {$25.00} USD Additional notes : I have not ever had a dispute with Paypal. I do not abuse the system. It is very unfair that they automatically closed this ticket.
Product: Credit reporting or other personal consumer reports

I currently have three fruad accounts and inquiries on my credit report. 


XXXX. XXXX XXXX {$760.00} XXXX. XXXX XXXX {$210.00} XXXX. XXXX XXXX XXXX XXXX {$750.00}
Product: Debt collection

I received a vague letter from XXXX, They could not explain their bill either so I requested that they accommodate my XXXX. They refused to accommodate my XXXX and instead referred to my abilities with XXXX XXXX XXXXXXXX as XXXX  They said as a collection agency they did not need to accommodate and refused an interactive good faith process by repeatedly hanging up on me for making an equal access request. Instead of providing effective communication as I requested the blocked my phone numbers and are refusing to send me anything by mail or provide any info via phone. Instead they hang up on me each time I request equal access.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Recipiant, The follow companies have violated United States Codes 16 CFR 642.3 - Prescreen opt-out notice. I was not given the " Prescreen opt-out notice ''.

To add insulate to injury, my personal credit score has been deleted! I can not get approved for any financing or credit cards. This is effecting my life.

I demand that my personal credit score be reset to XXXX with all credit bureaus. 

Below are the following Companies that violated 16 CFR SUB SEC. 642.3. XXXX Inquiry from XX/XX/2021 XXXX XXXX Capital One Inquiry from XX/XX/2021 Bank Capital One Inquiry from XX/XX/2021 Bank XXXX Inquiry from XX/XX/2021 Department & Variety Stores Page XXXX Inquiry from XX/XX/2021 Automotive XXXX XXXX Inquiry from XX/XX/2021 Finance XXXX XXXX XXXXnquiry from XX/XX/2021 Finance XXXX XXXX Inquiry from XX/XX/2021 Automotive XXXX XXXX Inquiry from XX/XX/2021 Credit Union XXXX XXXX  Inquiry from XX/XX/2021 2021
Product: Student loan

I set up my repayment plan in XXXX and they are not taking the payments out and are sending me notifications that I'm past due. I have emails from XX/XX/23 stating that my auto debit has been approved then on XX/XX/23 I received an email stating a delay. I set up the auto pay and chose my repayment options when I set everything up in XXXX and I'm worried about being sent to collections over Mohela 's inability to process payments correctly.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Without any written or verbal notification, this medical facility ( XXXX XXXX XXXX in XXXX Hawaii ) who in fact got paid in full by my Insurance carrier for services rendered, turned both charges over to the collection agency " Credit Systems International '' as unpaid debt. Charges were for service date in XX/XX/XXXX for {$510.00} & XX/XX/XXXX for {$1300.00}. Even the collection company DID NOT notify us, until i applied for Residential Re-Fi in XX/XX/XXXX/XX/XX/XXXX, and was turned down due to Collection status on my record. 
It was then I contacted XXXX XXXX  XXXX who informed me that there was no Balance due and all payments had been received and the Balance on both charges was XXXX. 
Not having us notified at all by both companies has created sever personal/ emotional & financial harm. I thought that by law notifications are required. 
This is not fair and i need your help in taking appropriate action against both companies. Also, do I have a legal course of action available to me for harm done. 
Sincerely looking for your help.
Product: Mortgage

In XXXX Amerihome failed to pay my property taxes, which they are legally required to do. After contacting the county to ensure that nothing else had changed with the property description, the mortgage company ( Amerihome ) paid the taxes out of my escrow account in calendar year XXXX. Then in calendar year XXXX they paid my XXXX property taxes. Flash forward to XXXX, they are telling me that my escrow account is short because I will owe {$21000.00} in taxes this year based on what was paid in XXXX. The only reason {$21000.00} was paid in XXXX was due wholly in part to Amerihome failing to pay the XXXX taxes in calendar year XXXX and they paid them in XXXX. My taxes have actually gone down due to Texas legislation that increased a homestead exemption from $ XXXX to $ XXXX. I have submitted county tax forms to show what the XXXX amounts will be and they are still telling me that my payment for XXXX will be {$1000.00} more due to an escrow shortage due to their error. I have never dealt with a mortgage company that was this inept. I need some help with this please.
Product: Debt collection

Capstone Credit and Collections settled a debt for {$1000.00}. Along with other debt collection payments done the same week the result was the removal of the collection from XXXX ; however Capstone Credit and Collection out of XXXX Florida and has not removed their name from my credit report after the debt was paid in full. They also refused to email a receipt of payment. They were called to dispute the matter of the removing the collection, and Capstone said if an addition {$1400.00} is paid to them they will removed it from the credit report. XXXX has put in a dispute for a fully paid account and further believes this is an unfair business practice. According to XXXX they have to keep reporting the collection as long as Capstone sends in an update ; however they see no reason why Capstone would charge an additional fee to remove it from the credit report. 
Capstone Credit and Collection agents both man and woman were very rude, aggressive, threatening, and demeaning ; even going as far as to yell and hang the phone up before the conversation was finished. The XXXX XXXX XXXX had said Capstone Credit out of XXXX Florida has over 38 complaints filed and has not responded to any.
Product: Credit reporting or other personal consumer reports

I received a notice from Equifax stating that my information was involved in a data breach. The letter included an engagement number which is XXXX to refer to the incident involving their company. I have signed up for identity protection to alert me of any security breaches involving my personal information. I have some loans and credit cards that are not recognized by me on my report that is impacting my credit score.
Product: Checking or savings account

I deposited a business check to the bank. It was for a job I applied for on XXXX. They had me buy money orders and then send them to other places. Apparently the check was fake because it bounced back and I had to pay the money back. The bank blocked my from my account. Now I cant access it even though I paid the money back.
Product: Checking or savings account

Supposedly Capital One is having technical difficulties and I dont get my check deposited into my account! This is absurd and I should not have a bank screw up and deliberately hold peoples money! A multi billion dollar company blames it in on a 3rd party! No excuse!