23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or around the end of XX/XX/XXXX, my wife spoke with XXXX XXXX and requested that all cable services removed from our account, they did not offer the channels we wished to watch and were planning to a web based service and wanted to keep the high speed internet service the representative was very rude and told my wife she was stupid to not keep the cable channels offered at which point my wife demanded that they turn off service and with in the week she took all cable and internet service boxes to the local office and dropped them off we were told when we dropped the boxes off we no longer owed any money. We then moved to another town as I work construction anyway I never signed a contract for anything I never received a bill stating that I owed anymore money. Until XX/XX/XXXX when it showed up as a collection on my credit report I have been working hard to improve my credit and this showing up like this has caused major problems for me and even though I know in my heart that I do not owe this debt I even called and offered to pay the full amount if they would remove it from my credit report at which time the representative informed me that they didn't do that Now I'm almost deaf but I informed him what point was it in me paying a debt I didn't owe if they were still gon na leave it on my account I understood him to say he didn't care jut wanted the money which is extorsion. I had also sent two letters to Convergent Outsourcing Inc. requesting verification of any money owed to them the sent an itemized bill that does not show the return of all equipment and does not bear my signature a teenager could have made such a bill at the library anyway I am just frustrated these people are ripping people off left and right and I pray that this complaint will resolve the issue. This is a small amount of money to be causing me such a major problem please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX   XXXX
Product: Money transfer, virtual currency, or money service

Due to misinformation given to me by a professional banker at HSBC and lack of knowledge on her part, a large sum of money was fraudulently wired and I suffered a loss of over {$700000.00}. 

Please see attached documentation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from XXXX saying I have a amount due of XXXX from a XXXX exchange. I called the XXXX dispute number at the bottom of the email at XXXX ( XXXX ) XXXX and was told to follow the directions on the phone to correct the situation and would be transferred back and forth from their tech department to help resolve the issue. I was told to download a app supported by XXXX called XXXX and that the dispute issue would be done within minutes. I was told that my data had been breached and the XXXX activity was done around XXXX and they asked if I had been doing any transactions around that time and if anyone else had access to my accounts. I followed the steps directed to me and was told to make payments in amounts of XXXX, XXXX, and XXXX. The amount of XXXX was denied and I thought made sense because they said that the transaction would bounce back instantly and this is part of fixing the issue. I was told to make similar transactions to fix the situation but the amounts never came back. I called chase and was told my issue is for the fraud department and they had been closed and that I called too late, and was given the fraud department number and hours. I called XXXX to the chase fruad department and was told that my claim has been filed and that there will be a chance to get my funds back but nothing is promised. I was told to contact XXXX so they could file a complaint with them as well. XXXX took the names and numbers of the contacts I made the transfers to and was told that is all they can do and to call chase bank to file a compliant with their XXXX department too. I called chase and they said they dont have a chase XXXX department and sent me back to the fraud department. I called chase fruand to follow up the next day and was told that the transactions had been completed and theirs nothing an can be done. I called XXXX to follow up and they said to call my bank because XXXX inst responsible for bank transactions. I looked up next steps in recovering from fraud and XXXX complaints and found the CFPB.
Product: Credit reporting or other personal consumer reports

My information was exposed in the XXXX data breach. I have reached out to all XXXX credit bureau and tried to get this situation rectified, by submitting supporting documents and certified mail to support my claims. In XXXX of XXXX the items were removed from my credit file. There was a full investigation and the items came back verified as FRAUDULENT. On XX/XX/XXXX the creditor requested that the information be inserted back to my credit file and since has dropped my XXXX XXXX XXXX XXXX. My rights are being violated under section XXXX this item should have been removed and blocked. I am not responsible for this debt and since this item has been inserted back on my file I have been denied credit because of it. This is a violation of my consumer rights and constitution
Product: Student loan

I'm am sending a complaint because my student loans have been sold 6 times between lenders for 20 years. I inquired about the legality of my loans being sold without my permission and no one has responded the loans went from Sallie Mae, to XXXX, to another one, and then to Navient who spiked the rates and the fees. My loans went from $ XXXX to $ XXXX. In addition, I filed a complaint about XXXX XXXX  for fraudulent charges for courses and years I was no longer enrolled with the school. It was a tuition mill. When I called and asked for transcripts, I was never contact and that was a year and a half ago. Currently I have an excessive amount of loans that I don't have the original amount for. This is insane the charges etc. Please help.
Product: Debt collection

I received a call from a collection agency, Hollis Cobb dba Patient Accounts Bureau a few days ago, regarding a debt I do not owe to XXXX XXXX of XXXX. I have never received a statement, email, call or text to inform me that I owe a balance. I have received XXXX XXXX 's from my secondary insurance, because XXXX XXXX keep filing the claim incorrectly. I contacted them after the first XXXX  to inform them of the correct primary insurance information. I do not owe a balance because they have never properly filed a claim with my primary insurance. Now I am being harassed for payment I do not owe by a collection agency. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX ; has violated my rights 15 U.S.C 1681 section 604A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

My State income tax refund was garnished and my bank accounts have been garnished. I do n't know what this is about. I have n't received information about this. To whom I supposedly owe money, how much, when etc ... I have tried to contact Hirshberg Acceptance repeatedly with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was incorrectly reporting late payment for XX/XX/XXXX and I previously submitted a CPFB complaint regarding the handling of that dispute ( see attachment ) .The CPFB complaint was resolved and the company did remove the late payment from the payment history on my reports, however, on my transunion report the payment status is still showing 30 days late. It says 30 days late for amount of XXXX. Please look at this again and correct the payment status on transunion. Account was paid in full on XX/XX/XXXX and was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$420.00}, XXXX XXXX XXXX XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX Balance {$630.00}, XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I requested the telephone number for a human representative from the web page " Help Chat Bot '' and was given a telephone number to call. When I called the telephone number I was placed into an automatic computer controlled loop. The computer loop was only able to respond to a limited set of questions, when I asked for a representative I was directed to the web page and then the computer disconnected the phon/con. A few minutes after I was disconnected I received an email stating that my " Credit Report '' was available and provided a different Telephone number which was also connected to a computer. This time when I asked for a representative one was provided. The computer loop on the web page and customer service telephone number needs to be severed and a proper connection to a representative provided.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiries are unauthorized :
Product: Credit reporting or other personal consumer reports

There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXXXXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXX  XXXX Unpaid Balance {$0.00} EQUIFAXXXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit card

Goldman Sachs has on more than one occasion opted to withhold payments in excess of 2x the maximum limit under the current guidelines published by the CFPB 1026.10 Payments ; ( a ) General rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section.

( 4 ) Nonconforming payments ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statement, requirements for the consumer to follow in making payments as permitted under this 1026.10, but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt.

( ii ) Payment methods promoted by creditor. If a creditor promotes a method for making payments, such payments shall be considered conforming payments in accordance with this paragraph ( b ) and shall be credited to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge.

Moreover, I had to contact Goldman Sachs on the 10th day they held my payment and point out that it was already the incredibly delayed date they scheduled before they finally posted the payment to my account. They received their payment well over a week ago and forced other payments that I had scheduled using that card to default, causing me to lose access to food and services due to their delay in applying my funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXX Bank, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX Md. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX Cir. XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB XXXX XXXX against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences.

Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of this account ( s ) : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file which with Equifax for an account with a high balance of {$21000.00} opened on XX/XX/XXXX being reported by XXXX XXXX XXXX account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to dispute a collection debt with EQUIFAX, but it seems they do not have my credit file ..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, and 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
Product: Money transfer, virtual currency, or money service

I opened a PayPal Business Account to receive registration fees for a XXXX  XXXX  Course that I XXXX. There is a set fee of {$250.00} per student. I sent the students the QR code and the link for them to make payments. I was receiving payments just fine and PayPal set up a Key Code for me to use when making purchases online. I had begun to use the funds to make purchases for class lab materials. One of the students sent his PayPal registration payment to one of my university emails. Rather than have him resubmit using the PayPal link, I just added my email address to the PayPal account. The money was then received. We have two other instructors so I added the first one 's email address and she was notified and accepted. I tried to add the second one 's email and PayPal said that it couldn't be added. That was no problem because they hadn't received any payments to their email address. A little later I got an email from PayPal saying " You can no longer do business with PayPal. After a review, we decided to permanently limit your account as we found potential risk associated with it. '' PayPal did not give any specific reason and when I called, the person on the other end was utterly useless and simply sent me an email saying it I wanted to know anything more, I'd have to get a lawyer to send an official request for information or begin a lawsuit against PayPal. Now all my monies are tied up, students who haven't paid can no longer pay their registration fees, my orders for lab supplies will be cancelled for lack of payment, and class starts in less than 2 weeks. PayPal gives no means by which I can find out what they think I did wrong or how to appeal their decision. I had the account for only a few weeks. PLUS I'm sure that PayPal will keep all the service fees they have charged me thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 
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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I am filing a complaint against Selene Finance due to the fact that I am going through a modification but I am being foreclosed on XXXX XXXX, 2015. When my account was transferred to Selene from XXXX XXXX XXXX, I was going through modification. I told Selene that I wanted to do a Deed in Lieu but was told I had to go through the other modification processes first, trial modification, short sale, then Deed in Lieu. Went through the trial modification. Submitted financial documents. My representative XXXX XXXX got with me and determined that my finances did n't allow me to be able to pay the {$910.00} trial mortgage payment. We contacted them and provided the information to them. After that was over in XXXX I began working on tthe short sale. I contacted a realtor to get help with that. I did n't know them personally but they told me they could set it up for me. Submitted information. Did n't hear anything from Selene so assumed everything was good. Then in XXXX, I got papers from the XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX saying I was being foreclosed on. Contacted Selene to find out what happened. Could n't reach my loan resolution contact XXXX XXXX. I was told that paperwork was n't received. Told them that everything was sent. They never contacted me to say anything. XXXX XXXX is supposed to be working with me and has n't lifted a finger to guide me or help me through this process. I have no idea what is going on. I have been treated terribly and this is n't fair. I need help and do n't know who to talk to or where to seek help. I do n't know how the foreclosure works and if I will just be put out one day while I am out. I am concerned and do n't know what to do. Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX has no late payments/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 an account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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.