23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This involves an attempt to collect on an auto insurance policy which was wrongfully cancelled. Emails and notices validate such then XXXX XXXX XXXX XXXX XXXX XXXX, has continued trying to collect when their own agent cancelled the policy and has reported differing amounts as being owed. 

Have send several notices, some even by certified mailings the claimed debt was disputed, have emails more than a year ago to agent about the wrongful cancellation and agent even stated to bank representative coverage was active while it was not, but still I was being billed. 

Have sent notices requesting written correspondence only and to stop calls because of health conditions and still getting as many as XXXX calls per day, calls on XXXX morning before XXXX. This claims is against XXXX XXXX as well as CCS Collections Services. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment error on my account. I had it corrected by the lender a month earlier and it automatically showed up on the other credit reporting companies. Equifax wants 30 days to update my account. I am applying for insurance and my company uses credit score in setting rates. So Equifax wants to drag out 30 days at my expence. Tried to correct and file disputes on line to no avail. Instructed to call after 45 minute and a supervisor who only will go by " Only XXXX In XXXX call center '' She went on to file a dispute and tell me 30 days is the best they can do. She said the problem with my account is someone put XXXX after my name resulting in all the issues. I told her I dont go by XXXX or is it not on my ids. She had the crazy idea I had to prove this by sending in copies of my drivers liscence and social security card and this is to the XXXX to a indivual who would only identify her self as " only XXXX  ''.
Product: Debt collection

Constantly getting calls from HSBC Collections. XXXX for XXXX Credit Card which was paid in full. This account shows on my credit report that it was paid in full and closed.
Product: Payday loan

I was unaware that for a {$800.00} loan I would be paying a total of {$6800.00}. That breaks down to 887.8767 % a.p.r. I was not supplied with information at the time of the loan. I had to dig to uncover the facts. They stated that the finance fee was a one time charge, but it turns out to be an ongoing interest charge. It is impossible to reach their customer service department. Please help.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Addresses on Credit Report I am writing to dispute several inaccurate addresses that are being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on consumer credit reports. 

The following addresses appearing on my credit report are inaccurate, as I have never lived at or had any association with these locations : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXX XXXX XXXX  XXXX, XXXX, GA XXXX The FCRA states that items of information that are inaccurate or incomplete must be removed or corrected upon dispute ( 15 U.S. Code 1681i ). Reporting inaccurate addresses associates me with residences I have never lived at, which could potentially harm my creditworthiness and ability to obtain credit, housing, employment, insurance, and other essentials. 

I am formally requesting that your agency investigate this issue and remove or correct the inaccurate address information from my credit file and any reports provided to third parties immediately. Please confirm in writing once the inaccurate information has been removed or updated. 

Thank you for your assistance in correcting my credit report pursuant to the Fair Credit Reporting Act. I look forward to your prompt resolution of this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates being reported.
Product: Debt collection

Company is Express Recovery Services. Trying to get facilities bill for ed visit ( hospital tried to charge insurance but had wrong birth date and also had wrong address for me due to typos so never got notices so went to collections ). 

XX/XX/XXXX call while i am at work, try to collect. I say I want to talk to hospital and say specifically I can't do this and have to pay through them XXXX, I call hospital billing department multiple time and they give me different answers regarding releasing bill from collections ranging from " need to talk to supervisor '' to on XX/XX/XXXX having three way call with express recovery who say bill is being " disputed '' but it being " released from collections '' is not possible. Also on XX/XX/XXXX, speak with original representative from express recovery services that spoke to on XX/XX/XXXX and insinuate that " releasing debt from collections '' is actually possible but unlikely. 

XX/XX/XXXX : Ask my insurance to call the hospital billing on the XXXX. They call and tell me that the hospital will " release bill from collections '' and charge insurance. Given my arguing about this for 7 days and them getting this done easily ask them to call in a 3 way fashion so I can confirm and here ( change birth date to correct one with hospital as well ) and confirm XX/XX/XXXX : call collections agency, hospital and have insurance call hospital, all who confirm debt is " released '' from collectors and my insurance is being charged. 

My concern is the collectors misleading me telling me I couldn't talk to the hospital or have my debt released so my insurance could pay for it. My insurance would not pay the collectors directly because no line item bill which would force me to pay cash for something that I actually had coverage for. I'm a physician and I hope my patients do not got get tricked into this type of financial hardship because they are told they can't use their insurance since they can't have their " debts released from collectors. '' Of note the letter sent by Express Recovery Services says " Pay this office only '' further making it seem as their staff did that I can not half the hospital billers " release the debt from collections '' so I can actually use my insurance as opposed to be forced to pay cash to collectors since insurance doesn't pay collectors since they need to see line item type bill that only comes from hospital.
Product: Mortgage

XXXX XXXX sold my loan to Nationstar Mortgage XX/XX/XXXX. Everything seemed to be going well. Fast forward to XX/XX/XXXX. I paid off my loan on XX/XX/XXXX. In XX/XX/XXXX, Nationstar XXXX created and escrow account on my paid off loan for homeowners insurance that I already had for years with another agency. I sent proof of my insurance and my insurance agent faxed my insurance information to Nationstar Mortgage. XXXX XXXX in the Payoff Department then sent my payoff amount ( after cashing my check and the check clearing the bank on XX/XX/XXXX ) I contacted Nationstar Mortgage via phone. I spent two hours on hold, speaking to eight different individuals at Nationstar Mortgage. I again contacted my insurance agent, who again faxed insurance information to Nationstar Mortgage. I again spent an hour on the phone speaking to two individuals ( XXXX assuring me this issue would be resolved, XXXX in insurance department stated they received verification that I did indeed have insurance ). I sent, still again the payoff amount as quoted to me XXXX. I was assured issues would be resolved. On XX/XX/XXXX, I received payoff amount returned via express mail. I again returned the payoff amount to Nationstar Mortgage. I have never ran into this type of issue, where a loan company sets up an escrow account for insurance that I already have, on a loan that I paid off. Please help.
Product: Money transfer, virtual currency, or money service

you : 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, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Bank account or service

I can no longer pay my bills or check any of my accounts online with Citibank. 

On Tuesday, XXXX XXXX, 2016, I went to the Citibank website to pay bills. I received a message " Time to Update Your Browser. '' My browsers are updated to the highest version my computer hardware allows. I have no way to get to my Citibank accounts. 

After much digging, I learned that Citibank updated their software the previous weekend. They did not provide a backup plan for account access by customers with older computers. There was no notice before or after this change. Citibank denied knowledge or involvement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681, I would like to make a formal complaint about the follow items on my credit report that Equifax is violating my rights and violating the Fair Credit Reporting Act. Equifax is governed by 15 USC 1681, they have violated my rights several times and I demand the accounts below be deleted immediately. 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.I did not give Equifax permission to furnish these accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I would also like to add to this complaint that I did not authorize the following companies to look at nor pull my credit these inquiries are fraudulent. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please advise that these inquires need to be removed today BECAUSE i HAVE CONTACTED THESE COMPANIES AND THEY HAVE NO PROOF THAT I HAVE AUTHORIZED THESE INQUIRIES OR PERMISSIBLE PURPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX  XXXX, has violated my rights. I was never late in XXXX XXXX 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 furish 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 anu purpose. I request to have this account updated to paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a report with the ftc and also XXXX police department because accounts aren't mine and have yet to respond to my disputes made to them and the credit bureaus or remove the accounts.
Product: Credit reporting or other personal consumer reports

I am writing to EQUIFAX to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that XXXX being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : XXXX complete and reasonable investigation within the XXXX period, as mandated by law. XXXX detailed explanation of your findings and the actions taken to correct any errors. XXXX provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
Product: Credit card or prepaid card

I have complained about PNC Bank previously for the same problem, but then fractured my spine and did not feel well enough to follow through with my same complaint. Please look it up as they are doing the same again. 
Whenever I close my VIsa Travel card and have a {$0.00} balance, when they open the new card, it also has a {$0.00} balance, but then shortly thereafter they take a purchase I made on the previous card and put it on the new card WHICH I HAVE NOT USED YET. They say that it was for something that had not been paid, but I know that I had paid off the previous card in full. In addition, they hide all my transactions from me, from the previous card and the current one, so that I can not track any purchases on line. I do not use paper statements. 
They have done this over and over. I am retired, but even if I weren't, no-one should have to deal with such behavior. They will also delete a purchase that I paid for on a previous card so that it only shows up once.
Product: Checking or savings account

Good Afternoon, Im submitting this complaint in good faith. I called Huntington customer service today, XX/XX/year> at XXXXXXXX XXXX XXXX. I spoke with a representative in the online banking area. I advised to the representative that my balance yesterday was {$14.00}, and this morning my 24 hour grace was on and my balance is NEGATIVE {$250.00}. No new transactions went through that would warrant this negative amount, nor did I spend more than I shouldve, as my online banking reflected {$14.00} after I transferred money from my savings to my checking. After 15 minutes into the call, the representative advised there was a lag on THEIR END resulting in incorrect balances reflecting as she confirmed the text message I received on XX/XX/year> at XXXX XXXX XXXX informed me I had a balance of {$14.00}. They offered no assistance besides calling back IF I get charged NSF fees which will most definitely happen as 3 are pending for tomorrow XX/XX/year> and I have 4 pending transactions, which will result in 4 more overdraft fees being added. I have a screenshot of the text message THEY provided to me, showing my balance was {$14.00}. I now have no actual funds besides digging myself into negative further for food, or gas to get to work. This is completely unfair of them to admit their error and offer no assistance. I also was able to transfer money from my checking account to my savings in the amount of {$150.00} ish dollars, which they claim brought my balance negative ; however, this transfer wouldve never processed if I truly didnt have the funds in my account. The fact the transfer was allowed SHOWS I had money at that time and didnt bring my account negative.
Product: Credit reporting or other personal consumer reports

My correct name is XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX is reporting my name as XXXX XXXX XXXX which is inaccurate. 
XXXX- is reporting my name as XXXX XXXX XXXX which is inaccurate the hephen is in the incorrect position. 

Equifax is reporting an inaccurate name of XXXX XXXX XXXX. XXXX  XXXX is the incorrect last name. 

My current and correct address is XXXX XXXX XXXX, XXXX, GA XXXX XXXX are reporting incorrect addresses that I don't recognize or never resided at : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax is reporting incorrect address that I don't recognize or never resided at : XXXX XXXX XXXX  XXXX is reporting incorrect address that I don't recognize or never resided at : XXXX XXXX XXXX XXXX
Product: Debt collection

As I am not admitting to this dept, this was added to credit report in XXXX of 2020. 

I have not done any transactions with XXXX XXXX  - ( MIDWEST RECOVERY ) AT ANYTIME IN OVER TEN YEARS. 

THIS IS ANY EXAMPLE OF OF RE AGING A DEPT, LONG AFTER STATUE OF LIMITATIONS.
Product: Mortgage

I refinanced my mortgage via an MHA modification in XXXX, making all my trial plan payments on time. The original lender was XXXX XXXX XXXX. I never missed a payment. In XX/XX/XXXX, I was laid off and my wife and I fell behind on our payments in XXXX of XXXX. Select Portfolio Servicing requested paperwork to attempt a modification which we provided and the servicer almost immediately declined the modification in XX/XX/XXXX, claiming that it could no longer be modified. Because it was modified previously in XXXX, a loan that SPS did not originate. I was able to get back to work and resume making payments in XXXX of XXXX, but I could only make one payment a month. In XX/XX/XXXX, my wife left me and filed for divorce, taking my son with her. Now I am faced with foreclosure. My wife and I made over 84 straight payments, I lost my job for 6 months, we missed 4 payments and now I can lose my house. SPS strategically and unethically denied my modification request and did not offer forebearance or any other method where I could have kept my home.
Product: Checking or savings account

On XX/XX/2023 I closed on a cashout refinance on my personal residence. The wire transfer of {$290000.00} was wired into my account at Truist Bank on XX/XX/2023. On Friday XX/XX/XXXX I got a call from Truist that my bank account was frozen due to wire fraud. I talked with the branch leader, XXXX XXXX and she said the account was frozen due to fraud investigation regarding the funds from the cash out refinancing. She then said it was out of her hands and that if I had any documentation to bringit in. Monday XX/XX/XXXX I dropped off XXXX pages of closing docs and mortgage loan statement and also emailed the wire information from the title company. I also found out that Truist called the title company on XXXX  XX/XX/XXXX to get their documentation. However in the meantime my account is frozen, I haven't heard from anyone about the investigation and I am coming up on month end billd and mortgage with no funds to work with. I also have XXXX letters saying checks returned for NSF and also have creditors calling me for payment. 
I'm the innocent person in all this and I should have some sort of protection in all this. Why if they are investigating the wired funds are they penalizing me. This is not right!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to signed up to view my credit report and i noticed there's alot of accounts on their that i didn't authorized, Also there's a list of address that's incorrect. 

Fraudulent Accounts on Report XXXX XXXX XXXX XXXX Of XXXX listed twice on report XXXX XXXX XXXXXXXX XXXX listed twice on report XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fraudulent Address on Report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on XX/XX/XXXX with all three credit bureaus to correct the payment history for 13 student loans from the same provider on my credit report. Each loan showed late statuses as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, for a total of 39 late ( 90-120 days ) on all three credit reports. Each of these loans was in forbearance during these periods, so no payments were due. As part of my dispute I submitted documentation from the loan servicer ( on their letterhead ) showing the periods under which the loans were under forbearance. Upon speaking with XXXX on XX/XX/XXXX, I was informed that the dispute had been completed and the loan servicer denied the document was indeed theirs and refused to further discuss the status with the reporting agency. 

I asked the representative to explain how they validated the debt in accordance with my dispute and was advised that they had no documentation to support listing this item on my credit report or confirming the dates that show as late payments. The representative advised there was nothing they would do to validate the debt or the accuracy of the reporting. This is a violation of the FCRA as they have admitted to being unable to validate items on my credit report.
Product: Credit reporting or other personal consumer reports

This collection and all further communication about and reporting debt is to stop immediately see letter below XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/2025 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 
XXXX, XXXX XXXX Phone : XXXX Subject : Cease and Desist & Account Deletion Request To Whom It MaXXXX Concern, I am writing to formally demand that XXXX XXXX and any affiliates, representatives, or third-party collection agencies immediately cease and desist all contact with me regarding account XXXX. 
Additionally, I request the deletion of any records related to this account from all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am invoking my right to request that all communications regarding this matter cease immediately. Failure to comply with this request may result in legal action. 
Please provide written confirmation that my account has been deleted and that no further attempts to collect this debt will be made. 

Sincerely, XXXX XXXX X______________________________ Note : signature is on added document upload XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX