23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving calls from XXXX XXXX for some time now and eventually got around to contacting them in order to make a payment. They informed me that I had an XXXX XXXX XXXX account go to collections and that the total due was {$750.00}. Upon receiving this information my first initial thought was to just set up payments. When I went to do so, they informed me that for each monthly payment they will be charging an additional {$10.00} processing fee for online/pay-by-phone payments. This brought up a concern as I am familiar with the FDCPA as well as the Consumer Financial Protection Bureau. " Section XXXX08 ( 1 ) of the Fair Debt Collection Practices Act ( FDCPA or Act ) prohibits debt collectors from collecting any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The Consumer Financial Protection Bureau ( CFPB ) issues this advisory opinion to affirm that this provision prohibits debt collectors from collecting pay-to-pay or convenience fees, such as fees imposed for making a payment online or by phone, when those fees are not expressly authorized by the agreement creating the debt or expressly authorized by law. This advisory opinion also clarifies that a debt collector may also violate section 808 ( 1 ) when the debt collector collects pay-to-pay fees through a third-party payment processor. '' After speaking to a manager there, she told me that they are fully allowed to add this fee and could not provide me a legal reason that this was accurate on conjunction with the Section 808 ( 1 ) that contradicts her statements. I then told her I was going to research the issue before making any payments. 

After this occurred, it made me question if the actual amount they were attempting to collect was accurate as well. Upon reaching out to XXXX XXXX XXXX as well as referring to my account, it shows that the total amount they have past due is XXXX. With XXXX. Solutions looking to collect {$750.00}, there is a {$200.00} added amount that was not part of the original debt owed. 

For a solution, I would like for XXXX. Solutions to remove the added fees so that the account balance remains in the amount of {$540.00}. Additionally, per the attached document relating to the full Section XXXX ( XXXX ), I would like the ability to set up payments each month without the {$10.00} processing fee being charged.
Product: Money transfers

I GOT SCAMMED VIA PAYPALHe told me to send as " to family or friends '' I was trading {$78.00} + {$1.00} ( fees ) = 80 $ totalfor counter strike global offensive case keys. 

He offered me XXXX keys for my 80 $ which I took to be a fair offer and accepted the trade, sending him the money first via paypal verified. He tells me to wait a moment because he needs to check he has received and then he logs on and blocks me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i contacted Equifax about an error message that pops up on the screen when i try to login to access my credit report. The message said : Please give us a call and give this code to the XXXX : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 
Our call center hours are : XXXX AM to XXXX PM ( ET ), Monday through Friday, and XXXX AM to XXXX PM ( ET ) Saturday and Sunday. 

I did as directed and was told by multiple agents that it was just an technical error and it would be fixed right away. I am still not able to see my credit score or report. The report is displaying as blank. I really don't think this is fair that the wont help me fix the problem. It is very frustrating calling Equifax every XXXX minutes to try to get an agent on the phone to help me. Just to be met with the automatic system again. Please fix this error for me. I hope that the agents at Equifax learn to treat consumers credit with more concern and treat them fair.
Product: Debt collection

XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX File Number : XXXX XXXX XXXX XXXX : XXXX XXXX {$120.00} Dear Credit Management LP, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. Experian is listing accounts on my credit file from the XXXX XXXX XXXX XXXX XXXX that belongs to someone else. These accounts are not mine. Experian keeps stating that they verified that these accounts are mine. How could they when the XXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full on XX/XX/XXXX? This account has appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH THE XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX.
The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX/XXXX XXXX # XXXX  These are not my accounts. I did not authorize these account to be on my credit file.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

On Wednesday XX/XX/year>, I went I had XXXXXXXX XXXX XXXXXXXX pull my credit to get me financed for a XXXX. Last time I looked at my credit score through the Experian app was the day before. It was showing around XXXX. I receive a phone call around noon saying that my credit score was XXXX pulled from Experian. I look on the app and my credit score had dropped XXXX points overnight to XXXX, without explanation. Still not XXXX. I called Experian and told them what happened. I also questioned how often this actually happens. Experian representative admitted that the incorrect score was sent to the dealer. The resolution that was offered was for me to go back to the dealership and show the XXXX ( still not correct ) credit score on the app so my interest could be adjusted. I said that is not how that works. The dealer will not take information on an app over information they receive directly from Experian. I wasn't offered anything further. Between then and XX/XX/year>, I continue to call Experian without reaching anyone that could help me in any way or anyone who seemed concerned.
Product: Credit reporting or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by removing the items identified as identity theft from my consumer report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the Accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss .I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via Credit Karma, I had a XXXX via Equifax + XXXX on my XXXX, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my XXXX dropped 25 Points to a XXXX ; and My XXXX dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.
Product: Money transfer, virtual currency, or money service

Pnc does not support XXXX XXXX
Product: Student loan

Mohela is not correctly processing my PSLF application. They denied my application, mentioning that section 3 of the form was not completed. After further review my PSLF application was filled out correctly, and the denial is incorrect.The PSLF applications I submitted on XX/XX/2023 were for Women & Infants Hospital and The XXXX XXXX . When I resubmitted the application it came back as being denied as a duplicate form. 

The denial also mentions there is no end date on either application which is also false. Both have either an end date or they are listed as my current employer.
Product: Credit card or prepaid card

I visited a Hotel called the XXXX in XX/XX/2018, I had an awful time. I called management during and after my stay. I even emailed with a manager, an email thread in which I provided Discover Credit Card. I advised Discover that if the merchant wanted to bill me, they needed to bill me directly, and NOT through Discover as I was NOT authorizing this charge. Discover disputed it, and the company ignored/ took months to get back, and I was recharged because the hotels corporate office claims that there was no record of me complaining, even though there is a clear email thread that I provided to Discover and then Discover provided it to the XXXX/ XXXX. I was recharged in XX/XX/2018, even though I also provided copies and screen grabs and access to my multiple XXXX  complaints against the hotel. I then started new XXXX complaints in XX/XX/2018 which have gone ignored by XXXX XXXX of XXXX and SBE. I have proof that this was ignored, both complaints were sent back to me advising the merchant refused to respond. I've provided this information to Discover Bank who has REFUSED to stand by me as a consumer and I will not stand for this. The credit card has mistreated me and not stood by their word. I got horrible - XXXX and XXXX service by XXXX XXXX XXXX and then my own credit card company is refusing to stand by me and refusing to dispute the charge. The XXXX has refused to even provide a discount. This is unacceptable! Discover is being 10000 % impossible to work with on this matter. 


My XXXX complaints that have been ignored CLEARLY show that the company doesn't act with integrity and with ethics, yet Discover is putting me through all of this.
Product: Debt collection

I review my credit report and seen that ability recover service added a {$900.00} collection to my account however Ive never been in contact with theses people, never received any notice from Anyone Stating I owe {$900.00} for anything! 
I never miss any payment from that because its not my bill/debt! It just popped up on my collection. I called and ask them 1. ) who are they and who is the original creditor the lady told me on a record call that she dont know and unfortunately is unable to provide me with the information. 2. ) I asked Them why didnt I receive any notice about this debt via phone, mail or emailed to me about this debt ; the lady literally said she dont know why thats against the law, and it took away my right to properly dispute this. 
3. ) I told them that if they are unable to provide me with any Info on where the debt came from and who they bought the debt from and if they can not validate that this debt belongs to me. That it will need to be removed off my credit Report right away. It also needs to be removed because proper steps was not taken and they valiated my rights to dispute, also in order for something to go to collections you must have atleast a minimum of 30-120 days missed payment however I dont have any because this debt does not belong to me its just went straight to collections this is fraudulent activity. They person I was speaking with said you can dispute it and I told her thats exactly what Im going to do because this is fraudulent activity. And that I will be filing with the FTC about this however ftc directed me here. 4. ) I asked to speak to a supervisor or if they can provide me with there corporate information they hung up on me.!
Product: Debt collection

I have never used XXXX  and i received a payment collection from Source RM for {$370.00}. 

I called XXXX and there is no active account under my name.I am suspecting this could be a result of my identity theft happened on XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and want these negative items DELETED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint previously but it was closed for duplicate complaint, but I only filed one complaint. 

On XX/XX/XXXX I sent certified mail to XXXX, Transunion, and XXXX to dispute a facetious account on my credit report due to it not being in my name. I sent copies of my social security card, passport card, passport, and birth certificate as verification and the account still remains on my report after the dispute was closed by the respective companies. The account in particular has a suffix on it, and I do not have a suffix in my name. The account has an address I have never resided at as well. These are violations of the FCRA, my personal information, and it is impeding my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FRCA
Product: Debt collection

I went to the emergency room several different times once in XXXX XXXX XXXX for treatment plus I have dual insurance that I used and now an 3 party collection company is telling that the doctor working for the hospital is charging me separately in addition to the hospital visits so basically I'm being double billed for the same visits once by the hospital and once by the doctor in which he's representing and working for the hospital. I believe that double billing it wrong.XXXX  set XXXX
Product: Credit reporting or other personal consumer reports

o Whom It May Concern : I am writing to dispute an item on my credit report. The item in question is : XXXX  XXXX XXXX XXXX XXXX  Account number XXXX I believe this item is inaccurate and should be removed from my credit report for the following reasons : XXXX. The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 

XXXX. Not my account fraud Under the FDCPA, specifically 15 USC 1692e ( 8 ), it is a violation to report information to a credit reporting agency that you know or should know to be inaccurate. As such, I request that you investigate this matter and remove the item from my credit report. 

Please provide me with the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX for Failure to Reinvestigate Disputed Credit Report Information and Correct Inaccurate Information being Reported to the Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX XXXX XXXX for failing to properly investigate and correct inaccurate, incomplete, inconsistent, and unverifiable information they are reporting to XXXX, XXXX, and Experian such as incomplete payment history, inconsistent account status. The company is reporting recent late payments despite the account being charged off and reporting as a write off. I have not received any bills for this account in over a year, yet they continue to report new delinquencies ; all of my credit reports have different information. Despite multiple disputes made directly to the office by phone, by email and requests submitted to the credit bureaus, the company continues to report the same incorrect information. Please delete this item from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of credit information, such as XXXX XXXX XXXX XXXX have a legal duty to provide only accurate and verifiable data to the credit bureaus. Their failure to properly investigate my disputes violates these legal obligations. 

Furthermore, under 15 U.S.C. 1681s-2 ( b ), once a furnisher is notified of a dispute by a credit bureau , they are required to delete this item from my credit report XXXX XXXX  refusal to properly investigate despite their continued reporting of disputed information is a direct violation of these provisions and is causing me to be denied housing and additional sever financial hardship I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX complies with the FCRA. Additionally, I request that the CFPB hold them accountable for their failure to uphold consumer protection laws. 

Please advise on the next steps regarding this matter. Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft there have been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. Please delete/remove the following unverified accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Credit reporting

Im disputing information listed on my Early Warning report in regards to XXXX Acct # XXXX. Early Warning failed to accurately investigate said information and refused to removed invalid incident dated XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : has violated my rights with the accounts listed below : XXXX XXXX # XXXX, XXXX ACCT # XXXX, XXXX XXXX # XXXX XXXX XXXX -ACCT # XXXX, ACCT XXXX XXXX, DEPT ED/XXXX ACCT # XXXX, XXXX, XXXX XXXX XXXX  # XXXX, XXXX, ACCT # XXXX, ACCT # XXXX, XXXX XXXX- ACCT # XXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX- ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX-ACCT # XXXX XXXX-ACCT # XXXXXXXX XXXX XXXXACCT # XXXXXXXX XXXX-ACCT # XXXX, XXXX XXXX XXXXACCT # XXXX Laws listed below states my rights have been violated ; 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: Credit reporting, credit repair services, or other personal consumer reports

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter datedXX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is a credit report with all frivolous items still present. 

These are the frivolous accounts that needs correction/ removal asap. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX REF # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX XXXX XXXXXXXX XXXX