23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have disputed this address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and asked that it be removed from my credit report because it is inaccurate. I do not live here I never lived here I do not have access to this location and I do not recieve mail here. Experian is willfully and knowingly reporting inaccurate information on my consumer report. Attached you will find a copy of my drivers license and utlility bill of the correct address. You will also find attached a XXXX search of XXXX marketplace. I want this addrees deleted from my consumer report.
Product: Debt collection

I was XXXX at XXXX Hospital, XXXX XXXX, Florida, on Sunday, XXXX XXXX, XXXX and was discharged on Wednesday, XXXX XXXX, XXXX. On Friday, XXXX XXXX, XXXX, I paid my account in full in person in the amount of {$5800.00}. On XXXX XXXX, XXXX I received the official receipt from the hospital for full payment of my account. 

On Thursday, XXXX XXXX, XXXX, I stopped at the emergency rooms, receptionist, specifically to obtain the address of XXXX XXXX XXXX, the XXXX who had attended to me while I was at the hospital. XXXX XXXX XXXX kindly gave me the address and had a friendly chat with me, including her personal background. I was not admitted, nor was I treated, and was assured that there will be no charge for this interaction. End of narrative. 

On XXXX XXXX, XXXX, I was telephoned by the hospital 's account management operation in XXXX, that there was a balance on my account of {$230.00} for the emergency room interaction on XXXX XXXX, XXXX, for which I had been assured there was no charge. On pointing this out to the person I spoke with, and upon further checking, she agreed that there was a notation on the account to that effect, that is, no additional charge. Nevertheless, on XXXX XXXX, XXXX I received a phone call from XXXX in XXXX that was intimidating in tone and content, and claiming that an additional charge of {$230.00} was now owed. I was upset and disconcerted and wrote to XXXX XXXX XXXX XXXX, Chief executive Officer of the hospital, with a copy to the hospital 's Accounting Office, on XXXX XXXX, XXXX but received no reply from either. 

To my utter astonishment, between XXXX XXXX, XXXX and XXXX XXXX, XXXX, I received several letters from various collection agencies with no identification of the services provided, demanding different amounts of payment from {$1500.00} to {$230.00}, and most recently, {$450.00}. On XXXX XXXX, XXXX My husband and I replied to CMRE Financial, disputing their claim of {$1.00} and also attaching a copy of our letter to XXXX XXXX XXXX XXXX. We received no response. In between, I received a letter of apology from the XXXX XXXX XXXX XXXX XXXX, dated XXXX XXXX, XXXX, stating " We apologize for this error and the inconvenience this incident ( notice from a collection agency indicating balance due ) has caused ''. 

As a last resort, we contacted the hospital twice, on XXXX XXXX, XXXX and XXXX XXXX, XXXX using the " Contact us '' feature on their website, detailing our aggravating story and have been harassed relentlessly by debt collection agencies, and requesting that the balance on my account be corrected and reflect the accurate amount which is XXXX. Both messages were computer-acknowledged but no response whatsoever was forthcoming. 

This very stressful and protracted situation has been going on for more than three years with neither the hospital nor the various debt collectors taking any responsibility to respond and to fully correct the record. 

We would be most grateful for your assistance in correcting this matter. 

l
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and their practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially. Cash app failed to take timely. Ineffective 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have called significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am writing to formally dispute the charges associated with my student loan account, which was originally for {$11000.00} but is now showing a balance of {$16000.00}. Despite my efforts, no one has been able to locate this loan in their records, and I have been informed that the account is closed. 

Here are the details of my situation : Loan History : I took out this student loan through the XXXX XXXXXXXX XXXX as an alternative loan to finance my education. The loan was serviced by XXXX XXXX XXXX 

Communication with Loan Servicers : On XX/XX/year>, I contacted XXXX XXXX, who informed me that they have no record of my loan and show a XXXX balance in their system. 
I then reached out to XXXX XXXX, who indicated that the loan is supposedly in collections with Transworld Systems Inc. ( TSI ). However, when I contacted TSI, they informed me that the account had been closed by XXXX XXXX and is not currently active in their system. 
I have made several attempts to trace the location and status of this loan, but no one seems to have any record of it, and the account remains closed without any explanation. 
Discrepancy in Loan Balance : I am deeply concerned about the discrepancy in the loan balance, which has increased from the original {$11000.00} to {$16000.00}, despite the fact that no one can locate the loan or provide me with detailed records of how this balance was calculated. 
I request a thorough review of this account, including a full breakdown of all transactions, interest accruals, and any fees that have been applied. 
Request for Resolution : Please investigate this matter urgently and provide me with a clear explanation as to why this account is unlocatable in any records and why it remains closed. 
If the charges are found to be incorrect, I request that the balance be adjusted accordingly and that I be provided with a corrected statement and an explanation of any changes. 
If the loan can not be found or verified, I request that this erroneous balance be removed from my credit report and that you provide confirmation of the accounts status. 
I would appreciate a prompt response to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX XXXX XXXX popped up on credit report as a collection account with a late payment. I do not and have never had an account with them. Also, I do not have any scheduled payments with them so how could they report a late payment. This fraudulent account and unfair practice is in direct violation of fcra. Please assist me with removing this fraudulent account from my credit profile.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction.
Product: Credit card or prepaid card

See attatched USAA 1099- C MC Account XXXX opened XX/XX/XXXX CANCELLATION OF DEBT XXXX ** USAA NEVER CLOSED USAA USED MY PRIVATE SECURE DATA FROM THIS ACCOUNT TO OPEN see attatched USAA MC Statement XX/XX/XXXX Bal {$100.00} I DID NOT AUTHORIZE TO OPEN I DID NOT HAVE PISSESSION TRANSACTIONS NOT MINE. then ussa opened VISA end XXXX I DID NOT AUTHORIZE USING MY ORIGINAL PRIVATE DATA. see attatched {$470.00} UNAUTHORIZED TRANSACTIONS VUSA CARD XXXX I DID NOT OPEN.!!! USAA HOLDS CONSUMERS FINANCIAL HOSTAGE USING PRIVATE DATA WITHOUT CONSUMERS AUTHORIZATION FOR A LIFETIME!!! USSA CLAIMS AS LIFETIME MEMBER ( NO AUTHORIZATION IS NEEDED NO DRS LICENSE NO CONTRACT NO ORIGINAL SIGNATURE TO OPEN ACCOUNTS. ) ** USAA COMMITTED ID THEFT USING MY PRIVATE SECURE DATA TO OPEN FRAUDULENT ACCOUNTS ( USAA ALSO FRAUDULENTLY USED MY SECURE PAYMENT DATA TO MAKE PAYMENT XX/XX/XXXX I DI D NOT AUTHORIZE SOCIAL SECURITY SECTION 207 LAW VERY CLEAR SOCIAL SECURITY REVERSED PAYMENT. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Three or four weeks ago, I received a phone call from a Credence Resources Management LLC stating that they were calling to collect a debt.  I told them I have no debt that is in collection.  They stated it was for XXXX  for some equipment that wasn't returned.  I told them that it is an illegitimate debt, because I don't owe XXXX anything and that I returned their equipment as instructed within three days after they emailed me.  They kept saying they were to collect $XXXX dollars and I told them that I don't owe anything and I am not going to pay anything.  I went on to state that I maintain a credit rating over 800 by paying all my bills and on time. In the last week, I began receiving credit notifications that my rating was being changed. When I checked, I see where Credence has put a collection item on my record.  They did so knowing that I denied having any indebtedness to them or XXXX. They also affected my credit by doing a credit check on me.   I believe they did this in the belief that I would pay this even though I don't owe it just to protect my credit rating and I feel this is an intentional fraudulent act.

I reached the end of a two year promotion of XXXX internet and television service as of the end of XX/XX/XXXX this year.  Within days, I received an email from them requesting that I take a specific piece of equipment to XXXX who would package and return their equipment.  The email listed one item (a router with a picture of it and the serial number.  I followed up within two or three days and returned the equipment they requested.  About a month or so later, someone called from XXXX asking about equipment, and I told the lady that I had taken the Router that was requested in the email to XXXX and that I had the email and at the time I also had the XXXX   paperwork.  She asked that I send it to her which I did.  I also told her I had some other stuff and what should I do with it.  She said that I should follow the email instructions and send what they requested, which I had done.

About two to three months after the service ended, I began receiving calls from XXXX with offers to resume service with them.  I told them that I already had a new service provider (XXXX).  I also told them that I  had returned what XXXX asked me to but that I  still had some XXXX equipment that they didn't ask for and what should I do with it.  On two to three of those calls, I was told either, "I will look into it, or I will take care of it" and nothing happened.  I finally put the stuff in a trash bag and my wife set it out.  (There are no XXXX offices or service centers around.)
Product: Payday loan, title loan, or personal loan

This place is crawling with fraud. They try to electronically cash your check under diffrent company names. I spoke to the fraud Dept in my bank and they investigated them and confirmed they commited fraud. The bank fully refunded my money to me and concluded with saying they were also reporting cash back loans. I am also reporting them along with my bank and Im exposing what they are doing to every public website out there under their name so the public is aware. This company is fraud. Its been confirmed and Im asking the FTC to put a copy of this complaint on their permanent record.
Product: Student loan

In XXXX, some of my loans held by XXXX XXXX, were transferred to XXXX. I had already sent in my XXXX payment. I called them and they told me that they would transfer everything and that I would not be considered past due. I kept sending in the payments, and they were not applied to my account. In XXXX, my XXXX payment and my XXXX payment were not posted. However, my XXXX payment was. 

I had been sending the payments to the wrong address. That has since been corrected. However, they applied the XXXX payment and then told me my XXXX payment -- since it went the wrong address -- would be refunded to me. That did not happen. 

Instead, Access sent it to another subsidiary -- XXXX, who is servicing a loan that I am currently not repaying -- and then claimed I owed XXXX a XXXX payment. Access sent my payment to XXXX without my consent. I sent in a XXXX payment, but since XXXX had my XXXX payment, XXXX applied my XXXX payment to XXXX, and so on. So I have been paying on time, every month, but XXXX   does not credit my account. Even though they receive my payment. 

I have been talking to them for six months. My payments always post no later than the XXXX. I want them to fix this issue, but they will not. I need help.
Product: Debt collection

This is a follow up to a previous complain filed XXXX. The company continues to call and leave voice messages and they continue to email me even though this debt was XXXX in a Chapter XXXX Bankruptcy in 2018 and it appears that the credit bureaus have removed it from my credit report. 

I am attaching copies of emails and a couple of voicemails I received from this company.
Product: Checking or savings account

XX/XX/2018, an unauthorized ATM withdrawal took place for the amount of {$1000.00}. 
My Identity was stolen and I notified J.P morgan chase on XX/XX/2018, and requested a new Debit card. chase mailed the card and I never received it. on XX/XX/2018, someone used that card and withdraw {$1000.00} from my checking account, I received a mobile alert and instantly notified chase bank about the fraud activity same day XX/XX/2018. after their internal investigation chase denied my claim three times. I request a written explanation but they refused to provide any written explanation of the denial of my claim.
Product: Credit reporting or other personal consumer reports

XXXX  Block Request To Whom It May Concern, This complaint is to inform you that I am a victim of XXXX, and the information listed below, which appears on my credit report, is a direct result of that XXXX. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I filled in all of the information requested of me to obtain my free annual credit report from EQUIFAX. At the end it advised me that I would have to get the report by mail by providing documentation. 

There was nothing wrong with my entries on their online form and Equifax did not state why I was being denied my report. 

These reports are a VERY SMALL price these companies pay for collecting and selling our personal information and this has happened in the past. 

I demand that my credit report be provided immediately without my having to spend time collecting documents and mailing them. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XX/XX/year> ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/2010 XXXX Credit limit This account was not me so can you please remove this from my credit report XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you continue to violate my rights and the law by constantly verifying the un-authorized inquiries listed below. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX  XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX  : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

In my last letter I gave you the new and relevant information ( proof that the creditor did not have authorization ) you needed to conduct your investigation. Yet you still verified these inquires. Its troubling that your company continues to violate the law and hurt consumers on a daily basis. The law is clear, if the creditor does not have permissible purpose to pull a credit report, they cant pull. You have failed your responsibilities to me as a consumer and I will explore all legal options that are afforded to me under the law. 

Because of your willful non-compliance, I will be filing more complaints with various organizations. I will also be seeking legal advice on this matter. 

CC : FTC, Attorney Generals Office, XXXX, CFPB
Product: Debt collection

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX.COLLECTION COMPANY NAME. CREDIT SERVICE. DATE OPENED XX/XX/2019 WITH COLLECTION. FIRST REPORTED XXXXORIGINAL BALANCE : $ XXXX.RECENT BALANCE {$1400.00} AS OF XX/XX/XXXX.THIS COMPANY CONTINUES TO REPORT ON ALL THREE OF MY CREDIT REPORTS INTEREST ON THE ORIGINAL AMOUNT $ XXXX.THIS IS A MEDICAL BILL, NOT A LOAN. THEY CAN'T ADD INTEREST ON A MEDICAL BILL. I'VE DISPUTED THIS SAME ACCOUNT MULTIPLE TIME WITH THE CREDIT REPORTING AGENCIES. THE DISPUTE PROCESS IS SUPPOSE TO BE 30-60 DAYS FOR VALIDATION TO BE DONE. I'VE DISPUTED THIS AGAIN A COUPLE OF DAYS AGO AND IT HASN'T BEEN 30-60 DAYS. I RECEIVED A MESSAGE ON MY CREDIT REPORT WEBSITE THAT REPORTING AS ACCURATE INFORMATION. IT'S LIKE THE CREDIT REPORTING AGENCIES ARE NOT DOING A FULL INVESTIGATION. I WANT THIS REVIEWED AND REMOVED FOR INACCURATE REPORTING WITH XXXX  THE ORIGINAL CREDITOR AND THE COLLECTION AGENCY CREDIT SERVICE.THANKS.
Product: Credit reporting or other personal consumer reports

Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX account ( # XXXX ) on my credit report by Experian, and XXXX. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

Additionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities. 

I am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. 
The credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. 
The CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XXXX of XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Debt collection

UDC, LLC, in XXXX, Texas, sends letters trying to trick people into calling by giving indications that debt is past due when they are really just trying to refinance it. They send a letter on pink paper - historically the color of past due notices - using a style and language that makes people think their debt is past due. For example, the letter begins, " Please contact our offices at XXXX within 10 days of receiving this letter regarding the adjustments of your credit accounts. '' Also see other language in the letter ( attached ). 

These tactics should be considered a violation of UDAAP.