23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Kept getting calls from collections about charges ive never made, and its hurting my ability to get established credit. According to 15 U.S.C 1681 damages to my report is a defamation to character.
Product: Debt collection

While reviewing my credit report I found that Progressive Management Systems had reported a debt to my credit report. The debt was for approximately {$120.00}. The original " creditor '' is XXXX XXXX Hospital. I do not have any bills for anything I have n't already paid. In fact I reviewed my medical bills for the year that this debt was supposedly incurred ( XXXX ) and I determined that all the bills I received that year were paid that year. I also reviewed my Flexible Spending Account for that year and all the medical reimbursements and I can not find anything to indicate I filed a claim that matches the amount or the time frame for the alleged date of service. There were no FSA claims for XXXX of XXXX. I have asked Progressive Management Systems to forward any documentation for the debt but they refuse to give me any information citing HEPA law. I asked them to send proof of the debt to the address they have on record and they refuse to. I even had them on the phone with XXXX and they did not give me any information other than that the debt was allegedly incurred by my ex wife in XXXX of XXXX. I have spoken to billing representatives at XXXX XXXX Hospital and they verified that nobody in my family had any outstanding bills. I spoke to XXXX from XXXX hospital in XXXX and she verified and sent me a letter that as of XXXX/XXXX/XXXX I had a zero balance. When that was n't sufficient to have the collections account removed I asked XXXX to send me an itemized history of my bills that showed a zero balance. They sent me that document as well dated XXXX/XXXX/XXXX. Progressive Management still continues to report this debt to XXXX and has refused to show me proof that I owe that money. They have not sent me any documents to prove that I have signed any contract for services rendered or any contract that makes me liable for the alleged debt. I have attached the documents I am writing about as well as some letters that I have sent out to the credit bureaus and notes from phone calls regarding this debt. I never got the chance to dispute this fairly and Progressive Management Systems ' continued attempt to collect this money by adversely affecting my credit worthiness without any measure of due process goes against everything that sets this country apart from others. I am disillusioned that consumers have very little recourse from corporations that prey on defenseless people. Many of my friends have said that I should just pay it and move on even if it is n't mine. I am a XXXX ; {$120.00} is not an issue to me. I have no problem paying money that I owe, but I refuse to pay something that I am not responsible for.
Product: Credit card

My company has a credit card account with Capital One. They have been charging interest on this account even though the card is paid off every month. 
We have to call them each time to obtain the credit for the illicit interest charge. Capital One considers a payment late if not received on a particular date and does not consider the post mark date as the date of payment. 
If Capital One receives the payment XXXX day or XXXX days later than the published due date the annual percentage rate increases to 29.4 % which seems predatorial.
Product: Debt collection

This company sent me a letter about an alleged debt that they claim they received from their client XXXX XXXX. I do not have an account with XXXX XXXX and when I closed my account with XXXX XXXX I left with no outstanding bill as far as I can recall. I have not had an account with XXXX XXXX since 2013. I have never done business with this company in the past for no reason whatsoever. When I received notification from this company about the alleged debt, I responded by asking for " Validation of Debt ''. This company has yet to provide me with competent information related to this debt however, they still continue to contact on my personal phone and on my office phone. I also suspect that this company is calling me via phone at my employment, using a private number. Each call I have answered they refuse to disclose the nature of their call when asked. They have now resorted to calling me and hanging up on me.
Product: Debt collection

1. On XXXXXXXX XXXX XXXX, I opened up a XXXX account with three lines for my immediate family ( my mother, myself, and my sister ). We were considering switching providers from XXXX XXXX. I was in XXXX, XXXX at the time. 

2. Within two weeks, we realized that XXXX service wasn't going to be a great fit. I contacted XXXX to cancel the line on XX/XX/XXXX There was minimal data usage ( < 5MB of data per line ) and no voice usage. The representative assured me there would be no charges. 

3. On XX/XX/XXXX XXXX, my XXXX XXXX credit card was charged {$100.00}. 

4. On XXXXXXXX XXXX XXXX, I contacted XXXX. The XXXX representative refunded the {$100.00} given that the line was not used and assured me that the account was closed. I've attached the audio for this call ( XXXX XXXX cancellation.mp4 ), with the representative assuring me of the refund and account closure starting at XXXX. 

5. Late XXXX, I move to XXXXXXXX XXXX  to start graduate school at XXXX. I am no longer receiving any correspondence at my XXXX XXXX address. 

6. On XX/XX/XXXX XXXX, I am charged {$100.00} for a line that had been closed for over a month. I submit a dispute with XXXX XXXX and am credited the full amount. 

7. On XX/XX/XXXX XXXX, I receive notice from Amsher ( debt collections agency hired by XXXX  ) that my XXXX account has been sent to collections. I never used XXXX  service, and provide documentation of the phone call and credit card statements. 

8. On XX/XX/XXXX XXXX I  receive another call from Amsher and am now filing the complaint directly with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I was checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC As require by FCRA sect. 605 ( b ) any information reported as fraudulent should be removed from the consumer credit file in 4 days. Please remove all none accounts holding inquiries and send my a copy of updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many complaints about how I was mislead by XXXX and how naive I was when I attended college over a decade ago. Between XXXX XXXX, XXXX, and XXXX I somehow ended up with XXXX in debt for an XXXX XXXX in XXXX  Studies which I can't even use because no one will hire me with an online degree. I am currently in the process of the borrowers defense review however, XXXX has refused to allow me to consolidate my loans and has reported over XXXX loans which I am confused about why there was ever more than XXXX lender. I haven't been able to do anything in life get a home or car, nothing. Its been XXXX, I've even recently had to start claiming XXXX   on my XXXX just to bring home enough money to eat. I've never been able to catch up on medical bills or anything else and have always worked full time. I've XXXX  my XXXX and had XXXX from simply working too much. Right now the Dept of education has deferred my loans until XXXX or something while they review and yet, XXXX hasn't stopped negatively reporting to credit agencies and I can't get even a credit card. All of my debt is from going to college and having kids. I wasn't irresponsible and I didn't max out credit cards. I'm so tired of struggling. Please help, I've been waiting a year for my borrowers defense decision.
Product: Money transfer, virtual currency, or money service

My complaint is against VENMO, which is an online money transfer service. 

On or about XX/XX/2023, my sister sent me {$100.00} using VENMO. This money has been held up by VENMO as they allege that an email address *I no longer use* is associated with fraudulent activity. This old email address was in use and compromised when XXXX was hacked a year or so ago. 

I responded to VENMO using its online form and advised I no longer use the account in question and asked them to release my funds. They have refused to do so and continue to allege fraudulent activity connected with my *former* email account. 

I am XXXX XXXX XXXX and retired. I live on a modest income and need the money my sister sent to me to take my dog to the vet. 

I am asking for my money {$100.00} to be released for transfer to my bank account by VENMO. Neither my sister nor I can afford to lose {$100.00}. I will close my VENMO account once I receive the {$100.00} and transfer it to my bank. 

Thank you for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/2021 to Equifax requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  be validated or removed. These items remained on my report after their 30 day investigation. I sent another dispute letter dated XX/XX/2021 to XXXX  requesting verifiable proof of these alleged debts including the original contracts with my signature to show that i am responsible for these alleged debts. As of today, XX/XX/2021, I have not received anything in writing to show I am responsible for these alleged debts. According to the FCRA Section 609, I am entitled to receive the requested information including proof of the debt and how Equifax verified the alleged debts. Because Equifax has not provided the requested information and Equifax continues to report this unverified information, my rights as a consumer are being violated. I am requesting that Equifax provide me with the requested verifiable proof that these alleged debts belong to me or remove the accounts showing for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  from my credit report immediately. Without verifiable proof, any one can send Equifax accounts and say they are mine.
Product: Credit card

Dear CFPB Representative, I am writing to formally file a complaint against American Express for violating the Military Lending Act ( MLA ) in my case. I am currently on XXXX XXXX and have been wrongfully charged an annual fee on my American Express account, which I believe is in direct violation of the MLAs provisions protecting servicemembers from such fees. On XX/XX/XXXX, I contacted American Express to dispute the unauthorized charge and requested that they remove the fee. They responded by requesting documentation to verify my active-duty status and my eligibility for MLA protections . I promptly provided all requested documents through their designated process. As a result, American Expressed has applied MLA benefits to one of my accounts but refuses to apply them to my two other credit cards. The fact that American Express has reviewed my status and has determined I am eligible for MLA benefits clearly shows my other credit cards are also eligible. 

However, despite submitting the necessary information and following all their instructions, American Express has failed to remove the unauthorized fee from my account. Additionally, because the fee remains on my account, I am now accruing interest on charges that should not be there, further compounding the financial harm caused by their noncompliance. It has now been over three weeks since my initial contact with American Express, and they have yet to take corrective action. I am seeking immediate assistance from the CFPB to enforce my rights under the Military Lending Act and compel American Express to : 1. Remove the unauthorized fees from my account. 2. Refund any interest or charges that have accrued as a result of these fees. 3. Ensure compliance with the MLA for my account moving forward. I appreciate your prompt attention to this matter, as this ongoing issue is negatively impacting my financial well-being. Please let me know if you require any further documentation or information from my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED TWO XXXX CREDIT CARD DUE TO THE ACCOUNT NUMBER THAT IS NOT MINE I SENT IN FACTUAL PROOF THAT IS NOT MY ACCOUNT NUMBERS BUT EXPERIAN STILL SAYS ITS WAS VERIFIED SO I'm going to OPEN UP A PHYSICAL INVESTIGATION WITHIN 15 DAYS OR PLEASE SEND ME According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have an account with Wells Fargo. I made a fraud claim for a {$300.00} transaction from XX/XX/2021. I was given a claim number and told that the claim would be investigated and that I would be updated in 10 days. I have called multiple times since, and Wells Fargo says that they can not find the claim number. I have also not been updated by email or mail on my claim.
Product: Student loan

When I was married, I filed bankruptcy in XX/XX/XXXX It was a 5 year bankruptcy filed & during that time the Student Loan ( I took out at the time for my XXXX college student kids ) was put into forbearance. The bankruptcy was discharged in XX/XX/XXXX. During this time of forbearance the original loan of approximately $ XXXX had now been gathering interest so the total after the bankruptcy was now approximately {$18000.00}. Which was described in a letter to me from Navient. I did n't know who they were & why they had taken over the loan. I called them on the phone & I told them I wanted to refinance or do something to help me pay it as now I was divorced & could n't afford the payment of over $ XXXX a month I suddenly received XXXX weeks before it was due. They told me they do n't refinance federal loans & I had to pay the new amount now that my bankruptcy was discharged. I got divorced in XX/XX/XXXX I 'm on a limited income now & they did n't care. They said the only thing they could do is put me into a deferred loan now where I could pay them {$180.00} per month for 2 years so I could find another way to repay this. After these 2 years I 'm gon na now owe them {$260000.00}. When I 'm done paying them they expect to be paid {$45000.00}. I do n't understand how a federal loan is making all this interest yet not helping the public repay them. My XXXX kids have more loans they 're trying to pay back themselves. I 'm a co-signer on some of them. They harass me calling XXXX times a day to try to get my kids to pay their loans faster. They 've ruined my credit with all of this. My kids & I have XXXX loans we 're paying off just with Navient totaling {$70000.00} ; which does n't include the other student loans my kids are still paying to other companies. They also have tried to refinance with them & are going to put a claim into you also for this unfair student loan company. 

The American families are just trying to pay their bills & make ends meet living paycheck to paycheck. We need help!!! Please!!
Product: Checking or savings account

Account maintenance fees, unauthorized charges, improperly investigated dispute, forced account conversion and changes to the deposit schedule all contributed to the account being overdrawn
Product: Vehicle loan or lease

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536y ( a ) ( 1 ) ( A ) - ( B ) ( 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

in XX/XX/2020, I was contacted by PFC, Professional Finance Company about a bill for a medical service. I went through the process to pay the debt, however, when they continually asked for my private information ( last 4 of social, address, etc ), I turned them down to process the payment because it seemed as though there was a possibility it was fraudulent. The representative told me that in order to process the payment, she needed my identity information. I told her no. 
I went and paid the original entity the amount due. 
PFC processed my payment on my credit card anyhow, without my final authorization. So now I have paid this debt twice. When I contacted them to tell them that they processed payment without authorization, they told me that they could send me a check in 1-2 weeks and could not electronically reverse the payment. After many  complaints, and them listening to the recording, they overnighted me a check for the payment. During all of this they were very aware of the fact that I had already made the payment to the original entity. I have offered to them several times the authorization code and transaction number of the payment made directly to the original entity.

Today, 3 months later, I get another call that I still owe this money. When I explained to the rep that it was paid, and offered the payment information again, she proceeded to tell me that I had to email them the payment proof from my bank. My online banking will not go back that far. I have the printed authorization showing it was paid, yet the rep yelled at me and then hung up telling me it was " still in collections ''. The fact that they hung up on me when I was explaining my position is infuriating. 

They are a disaster, yet affecting our credit. Why they can't get with their client to correct this is beyond me. XXXX should take the burden of keeping accurate files and should not be able to run such a disorganized business.
Product: Debt collection

I'm writing to express my extreme dissatisfaction with the handling of my credit report. Despite multiple requests, you have failed to investigate and rectify inaccuracies on my personal credit profile. It's imperative to understand that your disregard for my requests constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). This legislation mandates the thorough investigation of disputed information. 
Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, but I was XXXX XXXX in high school which I never graduated from XXXX. I since have had my XXXX change at XXXX I 'm now XXXX, I still never got my highschool degree nor GED and I 'm being harrashed about paying this back
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Please investigate the following : XXXX XXXXInaccurate XXXX XXXXN/AInaccurate XXXX ( Original Creditor : XXXX   XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment.

Inquiries : XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate Also, the only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed below and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report.

I would really appreciate your help with this matter. I hope to hear from you soon.
Product: Money transfer, virtual currency, or money service

The company American Coradius International LLC is charging me the following amount : {$1500.00} They said that is from XXXX. But I haven't use this account to make this kind of purchases. I don't understand. It's very confusing. Because they don't specify the reason for owing this amount money. 

Date : XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX