23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

From XX/XX/XXXX to XX/XX/XXXX I have made five payments to Aidvantage and they reversed every single payment. I called customer service and it takes forever to get an agent. When you finally do, they are incompetent to handle the situation I need help resolving this issue. Aidvantage is reversing payments for no reason. I am trying to pay back my student loans
Product: Debt collection

In XX/XX/XXXX I enrolled in XXXX  insurance with XXXX of New Jersey. In XX/XX/XXXX I started work again and obtain insurance from my work. I called XXXX to cancel the coverage in the same month with the intention to cancel the entire month. Due to miscommunication or lack of proper communication from both sides they used the date I called as the cancellation date. I don't have any confirmation from them that of what date they used to cancel the coverage nor did i received further bills or invoices. If i had I would have corrected the above mentioned miscommunication. On the first week in XX/XX/XXXX I received a letter from the GB collects demanding the payment of {$600.00}. I immediately called GB collects. I explained the above and they suggested I called the market place XXXX to request the cancellation date to be turn back to XX/XX/XXXX ( one month ) as I was cover by my work insurance from XX/XX/XXXX. They refuse to change and told me i had to call XXXX. I called XXXX and they told me I had to open a written complain in their website. I tried doing that but the website said this kind of complain had to done by calling the number above which i already called and they did not help me. I don't feel I should pay for something I did not need and never used and especially after almost 2 years have passed since then. Hope you can help. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically violating provisions under 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( 5 ), and 15 U.S.C. 1681c ( c ). Despite my repeated attempts to dispute inaccuracies on my credit report, Experian has failed to conduct a proper investigation and correct the errors, thereby damaging my creditworthiness and financial standing. 

I have sent multiple dispute letters to Experian, providing substantial evidence that the reported information is inaccurate. However, they have failed to properly investigate my disputes as required by law. The errors remain on my credit report, impacting my ability to obtain credit, secure housing, and maintain financial stability. Experians failure to fulfill their legal obligations has caused undue hardship and stress.

Furthermore, I have recently learned that the CFPB has filed a lawsuit against Experian for their inadequate handling of credit report disputes ( CFPB Sues Experian for Sham Investigations of Credit Report Errors ). This lawsuit supports my claim that Experian is systematically failing to conduct meaningful investigations and is potentially reinserting previously disputed inaccuracies, in violation of federal law.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( 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 the electronic fund transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This is a follow-up to ( two ) prior complaints with Barclay 's. The complaint number is XXXX. 

Recap : Barclay 's is reporting an XXXX XXXX XXXX  MasterCard that was opened fraudulently. I asked for validation of the debt. They did not provide anything to me and then after close to two months provided me with fraudulent statements ( they asked for my current mailing address and SSN which I provided in my letter to them. They in turn took my current address - a PO Box - and placed it on old statements ). 

I few months back I went to the police department in XXXX XXXX for file a fraud affidavit. The intake office said he could not sign off on the affidavit because the account/crime was too old. He did provide his business card, which I'm submitting in my documents. So, I had the document notarized. 

I recently received a letter from Barclay 's now saying that the original creditor is XXXX XXXX XXXX and that I would have to contact them for the documents I am requesting. 

First, XXXX XXXX XXXX is not reporting on my credit bureau report - Barclay 's is the one reporting. 

Two, Barclay 's provided me with fraudulent statements. They have no legitimate documents to validate the debt.

Three, why is it my responsibility to now go to XXXX XXXX XXXX for validation documents when they - XXXX - sold the debt to Barclay 's. It's Barclay 's responsibility to validate the debt not mine.
Product: Credit reporting or other personal consumer reports

1681 0 for civil liability for negligence, not complaints
Product: Checking or savings account

Account balance of {$2000.00} is locked up and not given access by the bank. It's been on hold since XX/XX/27 and phone calls have been futile. 

Requesting to escalate the issue goes nowhere and they ask to go into a branch XXXXmiles away from my residence and they are only open Mon-Fri for five hours a day during my working hours for which I can not leave nor take time off. 

I had initiated a bill pay check for {$2000.00} to my landlord, and UMPQUA issued and mailed out the check. But I am now informed the check bounced and now I'm being charged late fees and returned check fees. Why did they give the premise of available funds by sending out the check then? 

They also refuse to close my account and mail me a check for my funds per my request. The account was funded with an opening deposit from accounts in my name, the funds are rightfully mind and they have no right to hold onto the account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX released protected health information to a collection agency for medical billing. By law this is a HIPPA violation because XXXX XXXX XXXX is not supposed to even acknowledge that I am a patient without explicit and written consent from me. Also the collection agency is in violation of HIPPA because they continue to report it after being asked several times to remove the protected health information. Medical bills are protected health information because the bill acknowledges that I was a patient with them which violates HIPPA. I did not give consent for this information to be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine. The have not been verified I contacted XXXX XXXX and they don't have record of these accounts for me. 

XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Please remove all accounts listed my information was compromised in a Data Breach.,, XXXX  : XXXX, XXXX
Product: Vehicle loan or lease

I hAd a total loss vehicle with prestige financial in XX/XX/2018. The remaining balance after the payment from gap company was charged off. I live in Virginia and per our state laws once a balance has charged off the can not continue to add additional interest to balance. I contacted this company several times and explained my concerns with this matter and the balance continues to grow with additional interest and is being demanded that I pay in order to resolve matter. Based on the laws in my state that is illegal and they can face a civil penalty based on this business practice. Im demanding my account be reviewed and a credit or refund is given for any additional interest that was paid to prestige financial towards the charged off principal balance.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are reporting incorrect information. I have previously disputed this same information and they claim to have updated my report but they did not. This is my final latte or to get you to report correct information before I sue in a federal court for various vol of federal law. For the last time my name is XXXX XXXX there should be no other names listed, my address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX there should be no other addresses listed they are not mine and you dont have actual proof that I reside there or have ever resided at such address. Delete the information immediately.
Product: Checking or savings account

On Friday XXXX between XXXX and XXXX, I went to deposit XXXX dollars in cash of XXXX in my acount with Wellsfargo bank. The ATM jammed on me. I called the bank personnel and they wtinessed my predicament. After a while they removed the jam and the machine continued to work BUT they did not give me the money. Instead they told me to call the Claims department. I was taken in circles to XXXX different people. They told me it will take XXXX business days to respond to me. Today XX/XX/2023, I went to the branch and nothing has been done. My account is in overfdraft status and can not even buy anything with my card. My due a person came in today when I was at the branch to repair the same machine because it continues to malfunction. Why would consumers be subjected to unfair ordeal at this time of the year just because of the bank dysfunctionality. 

I need your intervention. 
Thank you.
Product: Debt collection

Last month XX/XX/2022 I received A call from A lady from a Collections company by the Name of Carter Young-Inc about a old debt of which XXXX XXXX XXXX in XXXX LA XXXX Where my son was living to attend XXXX XXXX XXXX XXXX  An incident occurred on the premises where my son was held XXXX XXXXXXXX XXXX  by some men that wasn't living there and his friend was XXXX  there was supposed to be security so i had no other choice but to break the lease I notified the manager XXXX and verify everything And now no letters are phone calls until XXXX of 2022 threatening to ruin me an my sons credit if I don't pay the debt and know it's in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection account as closed. This CRA continues to validate and allow this company to report this on my report. It is even showing past due. This account is inactive and closed and should be removed from my report. The CRAs and XXXX are violating the FCRA. Ive submitted an account summary with my disputes and each CRA is apparently using an e-Oscar system which is not correct. 

XXXX cant even validate the account. The attached letter shows they cant validate the account. I mailed the letter below on XX/XX/XXXX and emailed it on XX/XX/XXXX and I received the attached letter a few days later. 

To Whom It XXXX Concern : I am XXXX XXXX and XXXX writing regarding the above referenced accounts and transactions. 

This vehicle was repossessed by XXXX XXXX in the XXXX of Georgia on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. The first date of delinquency was XX/XX/XXXX. 

Under the laws of the XXXX XXXX Georgia XXXX rights of buyer, seller, etc., following repossession of motor vehicle sold under a retail installment contract are covered under Georgia XXXX, specifically Code Section XXXX of the Official Code of Georgia. UCC XXXX. XXXX of motor vehicle repossessed after default ; right to recover deficiency and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This was originally mailed on XX/XX/XXXX and I havent heard back from you. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available XXXX and XXXX statutes and XXXX - XXXX remedies.
Product: Credit reporting or other personal consumer reports

I have NEVER been in a XXXX XXXX store. Never applied for a XXXX XXXX account. But last year I realized there was a XXXX XXXX / Commenity Bank account on my credit. AND a Collection company ( XXXX XXXX ) trying to collect on the bad XXXX  XXXX account that I NEVER applied for. 

I've called XXXX  XXXX several times, and they told me that this has happened to MANY people and they promised to fix it. But they only removed the INQUIRY ( see uploaded doc. ) Disputed XXXX  XXXX through the credit bureaus on XXXX, see uploaded letters Disputed the XXXX  XXXX XXXX XXXX ( for the XXXX XXXX account ) through all XXXX bureaus on XXXX. 

The lady I spoke with at XXXX XXXX on XXXX confirmed that this was fraudulent but then ended up hanging up on me. 
This has decreased my scores terribly and I can not buy a house. 

Can you PLEASE help me get XXXX  XXXX AND XXXX XXXX off my report.
Product: Credit reporting or other personal consumer reports

To whom it may concern Transunion keeps informing me that we checked and verified and won't remove my 4 years old collection. My debt was paid off and written off by the Credit company, therefore I am not obligated to pay if again. XXXX XXXX is collecting illegally. I have asked several times for XXXX XXXX XXXX to provide me with the following documents, but they failed to do so. debt validation claims per 15 USC1692G 1 They didn't provide me with a full detailed list of payment history on this account. the original signature that I agreed to on the contract with the creditor. Has there been any insurance claim found on this debt, the claim of Title that they have to collect on this debt. All they keep providing is a letter of explanation and a copy of the billing statements only. No other documents reflecting chain of title, a contract between them and the original creditor, or if there authorized to collect on this debt. no contract with my signature with the original creditor. or if there were insurance claim on this debt. since they can't provide all the documents, I requested it should be removed from my credit report per 15USC1692-C I and FDCR Laws. if TransUnion have these documents, then they need to provide them to me if they don't it should be removed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and 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
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX DEBT XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$3600.00} XXXX {$7100.00} XXXX {$2400.00} XXXXXXXX XXXX XXXXXXXX {$5900.00} XXXX XXXX {$140.00} XXXX XXXX  {$1800.00}
Product: Credit reporting or other personal consumer reports

I disputing the validity of this account from XXXX XXXX  XXXX. the account is hindering me from obtaining new credit. ive been denied several times because of this account. this account has been written off on XXXX XXXX XXXX  books as a business write off. per the IRS publication 4681 this is now icon on my end. so if this is considered to be income for mw than why is being reported. my pay check isn't being reported so why this. I have to pay taxes on it and it's still reporting thats fraud on behalf of the furnisher XXXX XXXX XXXX. this also is a violation go y consumer right. 


Transunion, XXXX, & XXXX have all violated my rights according to 15 usc 1681e and 15 usc 1691 I. please deleted this repossession of off my credit Ive given the car back come on guys what's up with all the fraud going on. this is secures fraud at its finest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - Complaint Number where your company stated, Our office is not reporting this account to any credit bureau XXXX 

Your company is furnishing information to my consumer report and it is harming my reputation and ability to move in commerce. You all are aware of my CEASE AND DESIST and I wish that you reframe from communication with me. Communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. 15 USC 1692a ( 2 ). 

I have attached proof of what was sent by mail.
Product: Debt collection

Third party has sent written communication that implies that their documents are apart of a legal process. No judgement has been sent with signature from a judge within jurisdiction contract was signed in. Initial communication of debt advertised a sale of debt in order to pay. Debt was disputed twice with original creditor constituting a 60 day window that wasn't given due to 30 day time window for each dispute by consumer. FDCPA laws violated : 15usc1692e misleading representations 15usc1692d abusive practices 15usc1692f unfair practices given the original debt, the amount of debt advertised by entity is clear coercion. Furnishing deceptive forms 15usc1692j ( no one may design complete and or furnish any form that creates false impression that someone other than the creditor ( for example a debt collector ) is participating in the collection of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having an ongoing problem with Transunion for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at le ast five ti mes, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back,   XXXX   and  XXXX  just follows Transunion and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by Transunion, this has. Even going on for several years now.
Product: Debt collection

I received a withdrawal letter from Attorneys, XXXX XXXX XXXX XXXX   in XXXX, CT tel. ( XXXX ) stating, action is withdrawn to all defendants i.e., XXXX XXXX ( me ) w/out costs or fees. regarding a reinstatement refi. The attorneys were paid over {$3000.00} by me incl in the {$18000.00} reinstatement fee wired on XX/XX/2019. After that date, I was sent a letter by their employer, Wells Fargo  saying their attorneys wanted {$1900.00} more. I called & emailed the XXXX law firm  3xs asking what the fees were for. They will not respond. I called & faxed Wells Fargo many times re : the fees. Wells will not say what the fees are for. The attorney fees were added on the date of XX/XX/19 after the withdrawal. Please, look into the over inflated atty fees & have XXXX tell me in writing what the charges are for. Wells contact is XXXX XXXX tel # XXXX Ext. XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX. XXXX lawfirm is XXXX XXXX XXXX, XXXX, CT XXXX tel # XXXX.
Product: Checking or savings account

I did schedule with my XXXX credit card a payment of {$300.00} on XXXX XXXX ONLY ONE TIME. When my XXXX credit card withdrew {$300.00} from my bank, I didn't have enough funds on my account so Bank of America returned {$300.00} and also charged my {$35.00} overdraft fee which is fare and I agree to it. But then my bank suddenly let my credit card charge my account {$300.00} SECOND time and again returned this amount back which cost me ANOTHER {$35.00} overdraft fee which I don't agree to pay to my back because I haven't schedule it twice. It is absolutely not my fault that my bank let my credit card charge them twice instead of only one time and I'm not responsible for paying double overdraft fee for the same transaction of {$300.00}. If my bank does this manipulation without my permission, then it shouldn't charge two times. I explained it all to an agent of Bank of America but, AS ALWAYS, they can't help which is why I have to write my complain here. Thank you for reading it.
Product: Debt collection

On XX/XX/2021, I received a notice of debt letter from AssetCare dated XX/XX/2021, stating that I have an unpaid medical balance with XXXX XXXX XXXX. Upon receipt, I immediately forwarded a letter of validation to the company 's XXXX, TX addresses that are listed the letter and with the TX Secretary of State. AssetCare , LLC has not only failed to validate the debt that they claim is owed. I have not provided XXXX XXXX XXXX or any medical or clinic facility a signed HIPAA release for my medical information.