23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Between XXXX and XXXX of 2018, I received a call from another XXXX XXXX located in Utah stating he was getting collection calls and mail for me regarding a medical debt. Somehow, this person was given my work direct line which was likely provided by the collection agent, and called me directly at work to notify me of the collection. I hadn't received ANY mail from this entity, so this was the first I'd heard of HMC group. 

I contracted HMC group directly and advised them that we'd actually spoken to the hospital and our insurance provider directly, and our insurance told us this should've been covered and no balance remaining, so we put our insurance into contact with the hospital in Ohio. We didn't think anything of it as we thought it was handled. I explained all this to the collection representative. At which point, a manager ( male ) took over the call, and asked how I wanted to resolve it. I explained the situation again to him and advised him I've received NO mail from them and asked them for validation of debt as I believed this was handled by our insurance provider. He ignored my request and continued to forcefully ask how I wanted to resolve. I told him I'm not doing anything until I receive mail from them and asked them why they were intentionally contacting the WRONG person when they likely already had my contact information. He got defensive and said if I'm not paying it will continue to damage my credit. Note I track my credit on XXXX  XXXX and hadn't seen any medical debt notices, so I advised him it's not on my credit ( turns out XXXX  doesn't report to XXXX XXXX, which is why I didn't see it ). He said he was going to personally 'make sure ' it's reported to my credit bureau then and then he hung up on me. 

So, in short, they're guilty of the following : - intentionally calling the wrong XXXX XXXX on the west coast in Utah and mailing my personal information to this other person, and providing my work direct line for this other XXXX to call me at work. 

- threatening and following through on actually reporting the debt to be CBR without providing any mail to me, or validation of debt which I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXXt Account number XXXX XXXX Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions. 

This account is also reporting as revolving. It is more than 7 years on my reports.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX that capital one bank is providing incorrect information on my credit report, one of my accounts closed in XX/XX/XXXX and last payment was in XX/XX/XXXX and the credit should be dropped from my account since it is past 7 years from the day of deliquency. However Capital one keeps reporting last payments in XXXX when the account was closed in XXXX, and last payment in XXXX, There shouldn't be any activities in XXXX. I've disputed this multiple times with XXXX and capital one keeps responding that the information is correct.

This is the second submission! And the first one was closed cause capital one stated unauthorized 3rd party and closed the dispute!!! This is my account!!!
Product: Checking or savings account

I received a call today XX/XX/XXXX owing Fifth Third Bank {$1800.00} from closing an account in XXXX that had 4 transactions adding up to {$1400.00}. This is the first I have heard of this in 9 years. I don't recall the account nor do I have any information about what I supposedly spent this money on. XXXX XXXX XXXX XXXX is claiming if I don't pay them today, they can submit a claim against me for my contractional obligation. If they submit this, they say that XXXX will lock me down at my current bank, causing me to not have access to a checking account or debit card for five years.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear CFPB, Thank you so very much for taking my complaint, I am truly grateful. I have attempted in every way possible to dispute Late payment errors that never occurred with My XXXX  Loans which has been in deferment/income-based repayment since I XXXX  in XXXX, I was never ever late because no payment was ever due. All 3 credit Bureaus refuse to correctly investigate and remove these late payments, they are reporting them incorrectly and the lates doesn't make any sense as to how they are reporting them, starting off with late 120 days, then okay, then another 120 days, then okay, late 180 days, etc. recordings that's totally unheard of and totally impossible, this is not possible for a payment was never due, they have the same account listed over 15 times on my report with the same number but with different amounts. I have asked to remove all the closed XXXX  loans accounts, they are incorrect and they have refused to do so per my request per certified return receipt requests, I request this 60 days so far, every 30 days and still nothing. They take away 29 points for 1 inquiry and never restores those points within 90 days as promised. I asked for the contact information to whom they spoke with, nothing. I have sent in proof of My HIPPA violation by XXXX XXXX  of my Medical Debt information, per what they supplied to me that they ( XXXX XXXX- they could not provide me a Debt Validation, they sent medical information without a HIPPA relation ) were sent from the client, they refuse to remove. I have requested all old addresses and old phone numbers to be removed, I have been at my present address for over 9 years and I have had my current phone number for over 10 years. They insist on not removing Alias of my name, I have never ever went by any other name then XXXX XXXX XXXX, never, and I have explained and explained and the Bureaus refuses to remove this incorrect reporting data. At this point, In accordance with the Fair Credit Reporting Act XXXX, TransUnion, and XXXX has violated my rights as listed below : 15 USC 1681 Section 602-States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2-It also states a consumer reporting agency can not furnish a account without my written instructions I am sure they are violating many more of my rights, these are just the ones I have found so far, the Credit Bureaus XXXX all 3 ) are targeting me just to keep my scores low and this is the behavior that is not acceptable. 

Resolution, all the late payments on my XXXX  Loans be removed Resolution, XXXX XXXX be totally Deleted off my account Remove all old addresses and name alias Thank you so very much, for your assistance is greatly appreciated. 
With Respect, XXXX XXXX XXXX
Product: Mortgage

Wells Fargo stopped accepting my payments as of XXXX. I went to the branch and they would not accept the payment. I feel I am at risk of having my home taken from me as I fell behind but tried to keep up and for the past year, have had a XXXX way communication as I have not had a personal reply, only generic letters offering to help. 
I do n't wish to have a modification as I have a low interest rate, I just need time to catch up or a forbearance. I have made payments since 1993 and have a lot of equity so that is why I believe the bank has stopped accepting my payments. 
This has been very stressful and especially in the past month not knowing what is going to happen. I have called but always get transferred around and I also had my daughter call but they said there is no authorization. I had sent in an authorization a long time ago, and most recently sent another, which I have attached. I am beginning to feel this is discrimination as I am a senior citizen as well as XXXX! 
I also contacted the Board of Directors for Wells Fargo and still no reply. It seems that, that is their way of doing business. I have for the past year sent corresspondence and all I get are generic letters advising they can assist with XXXX programs. Well I have asked, I need a human person to reply and address my specific concern!! Although, today we were told that it was best to fax the documents instead of mailing. GO figure! 
I need assistance to not lose my home and have the bank accept my payments and get back on track. Also not rack up made up fees for attorneys! I appreciate your assistance in this matter.
Product: Vehicle loan or lease

This a second Complaint against Discover Bank that lied to you on the first complaint which you closed upon that lie. Now the same problem is there again. In XX/XX/XXXX {$500.00} loan payment was not made which was due by XX/XX/2019. I did not pay electronically this time and in four days XXXX will start charging me default fees. I called XXXX today and they have not received a check from Discover that Discover assured they mailed to be received by XX/XX/2019 due date for payment
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX this person told me they would help me with my rent via a fund a friend XXXX group ( a group that people post needs they are in need of ) and this person took my money and blocked me. This person was supposed to pay my rent via my rent portal but it rejected a few days after and they blocked me and they wont return my money. I sent this payment via PayPal and they have the email address of the account it was sent too.
Product: Credit reporting or other personal consumer reports

I went through the purchase process with XXXX XXXX XXXX in XXXX. They caused me XXXX, repeated issues by lying about their in home insurance Ive paid to have my licenses reinstated after they failed to send registration info out to dmvs, was never taking the payments for the car or insurance and applying them to the car itself, repossessed the car illegally, and then shut their doors down. Every time I dispute this issue, it remains on my credit and XXXX XXXX XXXX just started reporting on my credit XX/XX/XXXX. When I reach out to XXXX XXXX, whom have taken over XXXX XXXX XXXX accounts, they also agree to not having an account with me because there was nothing to be transferred over since I had ended business with them after so many negative experiences
Product: Student loan

On XX/XX/18, Navient approved my ibr repayment, increasing my payment by over {$30.00}. I contacted them to understand why my payment had increased when XXXX had decreased my payment due to my change in income. I was told to resubmit my paperwork, the third time I had done so, including my new paystub. I had sent this information to them one month previously. I then had to agree to go into forbearance for them to reprocess. I was contacted on XX/XX/XXXX with the exact same amount due as they previously had calculated. Everything is identical to the previous claim. 

It doesn't make sense that one servicer took my financial information and determined a lower payment and then Navient takes this identical information and determines that my payment should increase. I have contacted them via phone and email and received zero help from them, just a run around and then an offer to voluntarily go into forbearance so that they can resubmit my claim.
Product: Credit card or prepaid card

On XXXX XXXXXXXX XXXX, my account with Goldman Sachs ending in XXXX was closed. A dispute was opened on XXXX XXXX XXXX but the dispute was reversed after the account was closed. I have received an egregious number of emails stating that I still owed. 
However, per the conversation with Customer Service Rep Apple Card account on XX/XX/2023 payment made for XXXX from XXXX XXXX XXXX XXXX Transaction number is being sent via email as per XXXX EmpID # employee didnt confirm nor supply her employment number. Stated the account was paid in full and was closed. Service Rep fail to confirm if any other disputes charges or transactions occurred. On XX/XX/2023, after the account was closed. Notification was received stating a total of XXXX was due. I'm requesting to have investigation launched to find out why the account is being collected on and they are lowering my credit score. I am being targeted as in spite of retaliation because I no further want to conduct business with this bank. I have told them on several occasions not to contact me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I used my PayPal account to pay my rent payment of {$3300.00}. I utilized my XXXX XXXX SEND function so I could earn the reward points. The money was deducted from my XXXX account and I paid off the total on XX/XX/2023. I was contacted by my landlord, XXXX XXXX, on XX/XX/2023 and advised he had not received my payment to him. XXXX is not familiar with the PayPal platform and opened the account at my request so I could earn the credit card point every month when I pay my rent. He is a retired dentist of above average intelligence, so I never questioned his assertion that he did not receive my rent payment. I immediately contacted XXXX and spoke to a customer service person who advised me that XXXX inadvertently returned the {$3300.00} to me but the refund could take up to 30 business days to receive. I reconfirmed this several times because I had to resend the {$3300.00} a second time so as not to be late on my rent payment. XXXX contacted me the next day and said that he was able to finally access his PP account and it shows both payments are in his account. I explained that I was told by PP that the first payment will be refunded to me. He opted to take out only one of the payments and leave the other one in the account incase it was removed. On XX/XX/2023 both of our accounts were permanently closed without explanation. ( XXXX ) I immediately called PayPal and attempted to get any information to better understand what had happened and they would not tell me anything. The second payment of XXXX is being held in XXXX 's PP account and they will not release it to him or refund it to me. The representative only apologizes for the misunderstanding about my first payment being refunded with any explanation. Lastly, they said that they will hold the money for up to 180 days before releasing it. I can not afford to pay my rent payment for the month of XXXX, creating a severe financial hardship for me. XXXX is a retired local dentist with an impeccable reputation and I am a former deputy sheriff that works as a civil rights investigator for the XXXX XXXX, not a criminal cartel. Please assist us with getting our money from PP. Thank you.
Product: Payday loan

I do n't understand why 745 cash texts me after hours. Yes I 'm a month behind but do they have the right to text my phone. Could n't they text me.the next morning? I thought that was so disrespectful. I 'm going to pay them Tuesday and after that I do n't want anything to do with them if they gone text me at XXXX!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my XXXX credit report File Number XXXX dated XX/XX/2018 and noticed it still contained the wrong personal information that they constantly supposedly erase every month. I call them every month to have them remove incorrect addresses and then the next month the addresses are back on my credit report. I asked a representative why did this keep happening he said that he didn't know and that there wasn't anything that he could do. Reporting al of these incorrect addresses is a nuisance. I don't understand why they can not just block these incorrect addresses from appearing on my credit report. The only address that should be listed on my credit report is XXXX XXXX XXXX XXXX, SC XXXX. Please remove and block this information from my credit file as this is not my personal information. also there is one number that is reporting listed as mine and it is not. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

I am contacting you today due to my three American Express accounts having has been closed due to Amex FCRA violations for reporting inaccurate information and failure to correct errors, breach of contract as they failed to fulfill their obligations under the card agreement, and negligence & fraud as their actions caused me financial harm and damage. 

My closed American Express accounts : Green card ending in XXXX Cash magnet ending in XXXX Blue card everyday card ending in XXXX My green card had a XXXX balance with a credit of {$1600.00} which is owed to me due to a balance transfer that american express refused to do and amex withheld my funds and stayed that unless I paid of my other card balances they will not release my funds. 


My cash magnet card balance of {$4300.00} Half of the balance was one purchase {$2000.00} I provided amex evidence in my dispute and via email before and after, that the merchant agreed and accepted to refund me due ti my having had paid in full with a credit issued separate from my amex payment. 

When amex reached out to the merchant she told she is keeping the funds and decline to refund me even though she got paid twice for one purchase for a two week stay at a hotel room in hawaii. 

I provided in depth explanations for all disputes documented with amex they failed to refund me the total balance of my cash magnet card for around one year until my accounts were all closed as a result. 


Blue cash everyday card {$1100.00} balance and was due to disputes that were not processed properly, so I couldnt pay off any remaining balance. 


I have been in contact via email with American Express president XXXX XXXX via email, he passed the disoite department complaints down to the executive department XXXX XXXX XXXX and he then passed the complaints down to the dispite department and none of them ever did anything to help nor ever returned any of my emails never again. 

I then contacted XXXX credit bureau and filed a dispute to correct these errors, but American express still did not fix the issues.
Product: Credit reporting or other personal consumer reports

i took a look at my credit report and noticed there were XXXX inquiries i did not apply for which violates my consumer rights under 15 usc 1681b ( c ) and i would like these inquiries deleted immediately since it has a negative effect on my report - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/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

The XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX, Kentucky, XXXX, denied my loan application based on erroneous information on my TransUnion credit report, then failed to respond or address concerns related to the loan resulting in several overdraft fees to my account. I would like to complain both against TransUnion for posting the erroneous information and XXXX for relying on it and not addressing the concern once they were alerted that it was erroneous. 

The information of my TransUnion reported was disputed and removed shortly as erroneous. However, without making any effort to contact me, XXXX denied my my small loan request ( {$500.00} ), and then failed to respond when I reported that the information on which they relied was erroneous and deleted. After I complained about the overdraft fees, however, XXXX called me and said they do not respond to messages sent after a loan is denied and I could simply apply again, which of course would damage my credit history.
Product: Credit reporting or other personal consumer reports

In a stern tone, I must bring to your attention that I have repeatedly notified the Experian credit bureau to update my credit profile accurately and accordingly. Yet, to my dismay, you have failed to do so. It is my hard-earned reputation that is at stake here, and your negligence to take necessary actions is unacceptable. I have several accounts on my credit report that are being fraudulently reported as a result of identity theft. It is distressing to note that among all the credit bureaus, Experian is the only one that has not rectified this issue. I demand you to remove the accounts from XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, and XXXX, along with any unauthorized inquiries that have been made. I expect prompt and satisfactory action from your end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened a secure credit card in the amount of {$300.00} that I started with 5/3rd Bank back in XX/XX/2013. About 2 years ago I went in to close the account because I had established credit with a regular credit card and did not need it..when I closed it they gave me my {$300.00} back that secured the credit card and I thought all was good. 
On my credit report it shows closed by credit grantor which I believe has had a negative affect on my credit. I disputed this with all three bureaus and XXXX and XXXX  still will not remove this incorrect information.