23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIS MEDICAL BILL WAS COVERED BY A WORKERS COMPENSATION INJURY, THE HOSPITAL HAS BEEN PROVIDED WITH ALL THE NECESSARY CLAIM INFORMATION.THEY HAVE SENT IT TO A COLLECTION AGENCY
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CZelle 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 inconveniences and financial loss, and I seek to appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I am being charged interest fees on top of my monthly payment of {$150.00}. I pay my bill on time and still be charged the interst fee.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am writing to formally address a serious issue regarding my auto loan account with TD Auto Finance. It has come to my attention that my personal credit information has been improperly used and reported in connection with a loan that was applied for and intended solely under my business. 

At the time of the loan application, my understanding was that only my businesss EIN would be used to secure the loan, and my personal credit should not have been affected. However, I recently discovered that TD Auto Finance has reported this loan on my personal credit report, which is in direct violation of the intended application process and may constitute unauthorized use of my personal credit information. 

This misreporting has negatively impacted my personal credit, and I am requesting that TD Auto Finance take immediate corrective action
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX XXXX CONFIRMATION # XXXX VERIFIED That this account was up to date with no late payments on XX/XX/23 but XXXX, XXXX, are still showing late payments on my credit report. This company is doing predatory lending with no regards as far as the consumer.
Product: Debt collection

I have an account for National Credit on my credit report and don't remember ever having an account with this company or the company it was sold from, XXXX XXXX. 

I want I want National Credit to to mail me my original contract that I signed, proving this account actually belongs to me. 

They need to produce me a copy or remove the lates from my credit report and stop all collections.
Product: Mortgage

I finally got my modification finalized and I asked that the company put in writing that my mortgage investor does not participate in forgiveness of principal. I put this request in writing XXXX in the month of XXXX 2015. To date I have received no response. I was sent a form for automatic debit of my new mortgage payment and when it was n't debited I called in to find out why. They stated they were behind and would set it up. XXXX XXXX was my first payment date and nothing has been debited. All the credit bureaus are showing a past due mortgage balance and do not reflect my modification. I contacted my mortgage provider, Rushmore and they stated in XX/XX/XXXX this would be taken care of at the latest XXXX XXXX. Nothing has happened and I am being denied business loans. 

I have proof of all my claims, delivery confirmations, names of employees that I spoke with etc ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from XXXX from when I filed a complaint with your company. They did remove all the items I disputed at that time but when I received the new report XXXX is now reporting a new collection that again belongs to a XXXX XXXX and not me. It 's XXXX XXXX collecting for XXXX XXXX. I have never had XXXX as a carrier. I contacted that company and they stated that it would n't report and that it was n't mine. I have been trying to close on a home loan and XXXX has cost me so much money due to trying to get these resolved the rates have increased again. That XXXX XXXX 's social has the same last four as mine and she was born the same year but XXXX is not using all information before placing things on my credit report.
Product: Debt collection

XXXX XXXX has been chasing me up for an alleged debt they said I owed in the amount of {$37.00}. I used to be bundled with XXXX and XXXX XXXX together, but unbundled back in XXXX of XXXX. 
When I severed from XXXX they informed me that I was all caught up in my billing with them and then from there on I would only be paying XXXX XXXX. 
XXXX 's Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX To my surprise, XXXX XXXX later told me I still owed them some money. 
This could n't have been correct because my bill was paid in full. Even XXXX XXXX said I had paid my bill in full. 

I decided to contest the debt with XXXX, and based on legal advice I read on the internet returned to sender all subsequent invoices back to their financial department. I had written to them to cease and desist communications with me, but they kept sending me invoices that I kept returning to sender. 

Months have went by so I assumed they would leave me alone, and if the debt appeared on my credit report I was going to challenge it. 

However, on XXXX XXXX XXXX, a guy named XXXX contacted my father, XXXX XXXX XXXX, asking for my whereabouts. XXXX would not disclose who he was, or what company he was working for. He merely said he needed to speak to his son, " XXXX XXXX XXXX '' about an urgent matter. XXXX 's number is XXXX. He was posing under false pretenses contacting my parents to find my whereabouts whom I have not lived with in many years. 

I called this number and instead of XXXX, a guy named XXXX answered the phone. He asked me if this was XXXX XXXX. I said, " This is He, How can I help you? '' Than he tells me that he works for a debt collection agency called Credit Solutions, and he was hear to collect on behalf of XXXX in the amount of {$37.00}. I asked for a debt verification letter, and based on that I would consider paying it. He never sent the debt verification letter. Their address is XXXX XXXX XXXX XXXX KY XXXX. 
The account # : XXXX So I contacted XXXX that same Evening, and all I got was a complete runaround. XXXX 's financial division were not sorry for getting the debt collector involved, and when I had explained that it is against the Fair Debt Collection Practices Act to talk to third parties without disclosing their full identity to hunt me down, XXXX XXXX XXXX blew me off like the law does not apply to them. 

I contacted
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permission for the furnishing and public report of the listed accounts. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XXXX XXXX I received a notification from my credit monitoring company that XXXX XXXX XXXXXXXX had checked my credit report due to an application for a credit card. The person or persons had applied for a credit card using my information on XX/XX/2022. The credit monitoring company that notified me of this incident is Experian. I called Experian on Monday XXXX XXXX to let them know that I was not the person who applied for the credit card. Experian immediately removed the inquiry for my account. Experian informed me that I needed to filed with the FTC regarding this incident. They also advised me to call XXXX XXXX XXXX and let them know that my information had been stolen and someone had used it to apply for a credit card. I called XXXX XXXX XXXX on XX/XX/2022 and explain the situation to them. They looked into the incident and put a stop to any future application that involve my information or name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in Hurricane Irma, and many banks gave consumers the option to miss a car payment and they would add it to the end of the loan. 
I did this with PNC Bank and they still reported my credit with a late payment. 
I called their offices and they said they would fix it, but now I am trying to apply for a mortgage and they never fixed it and brought my credit down 60 points.
Product: Credit card

Stayed at XXXX XXXX XXXX XXXX XXXX XXXX collection by XXXX, VA ( XXXX ). American express XXXX XXXX card been charged {$45.00} more. 

As a XXXX XXXX XXXX I am supposed to get the breakfast credit. They gave me a breakfast credit {$45.00}, but then out of blue, they charged {$45.00}. It makes no transaction on my bill statement, but After all, no breakfast credit received. 

SO, I have been requesting investigation about breakfast credit ( {$45.00} ) with charges ( {$45.00} ) made by XXXX XXXX at XXXX XXXX XXXX. I have not either purchased or spent any .I have been disputing about the breakfast credit with charges since XX/XX/XXXX. I have been requesting the explanation of the charges {$45.00} at XXXX XXXX XXXX XXXX 

Amex sent me an info letter about the dispute closed without resolved. No credit received. 
So, I requested to reopen the case. 
Now On the XXXX statement ( closing date XX/XX/XXXX ), Superficially, It seems that they gave me a credit {$45.00}. But they charged the {$45.00} again on my XXXX bill ( closing date XX/XX/XXXX ). 

American express is not investigating the charged made by XXXX XXXX XXXX XXXX XXXX XXXX collection by XXXX, also manupulating the billing monthly, treating XXXX XXXX with dishonor. 

Even though just {$45.00}, I have been disputing since XXXX this year. It's been 5 month. 

I would like to share about this publicity so that others can learn from my experience. 
Please let me know what step that I can take. 
I am looking forward to getting response. 
Thank you.
Product: Student loan

This is my second complaint for the same problem, the first complaint was closed out with an unsatisfactory response. A payment was made to my student loan account through XXXX XXXX ( a payment vendor for XXXX XXXX XXXX ) on XX/XX/2024 in the amount of {$100.00}. EdFinancial never applied this specific payment to my account. I notified EdFinancial on XX/XX/2024 that there is a payment missing from my account, and I have provided the payment transaction details to them several times through the online portal per the steps provided by the EdFinancial customer service representative. This payment is still missing and has not been credited to my account. They have been given the wire transfer details for this payment more than once. I do not have a copy of a canceled check or a bank statement because the payment did not run through my bank account. It was provided by a payment solution company, the payment made by wire transfer, and EdFinancial is refusing to address the information I have provided showing the payment went to their system. They are stealing {$100.00} intended for my account and blowing my attempts to resolve the conflict off.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND TIME DISPUTING FRAUDULENT ACCOUNTS AND UNAUTHORIZED INQUIRES. I HAVE SENT IN MY POLICE REPORTS, FTC REPORT AND IDENTIFICATION VIA MAIL CONTINUOUSLY. THESE ACCOUNTS KEEP COMING BACK VERIED AND ACCURATE WITH NO PROOF. I HAVE LOOK AT MY XXXX XXXX AND NONE OF THESE ACCOUNTS ARE LISTED. I WANT TO KNOW HOW ARE THESE FRAUDULENT ACCOUNTS ARE BEING VERIED. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.
Product: Checking or savings account

In XX/XX/XXXX, I bought a XXXX XXXX style car radio, which controls my heat and air, In a couple weeks after I purchased the item I returned it back to the merchant XXXX in XXXX, XX/XX/XXXX, I filed a claim on the radio from which BOA said the claim was being reviewed and I would invetigate the situation and I would be issued a check within 90 days. Insteaad of a check they closed my account and would act as If I never made the transaction for {$530.00} on XX/XX/XXXX on account XXXX. I had gave up on the situation because BOA would make it as If I was in the wrong but I never was refunded for this radio that I sent back, and I would like to be refunded for this whole ordeal because everytime I bring it up the reps act Is if the transaction did not happen. But I am still out of {$530.00} that they would put in a claim to try to sabotage my time limit for a claim just as they are doing with my current current claims they keep sending them back and they state that the I put gave them the wrong info on the claim but it is the correct info, but the reps are obviously inputing them in the system wrong ... ... and their supervisors are so rude and overtalk and dont listen because I have faxxed them info pertaining to both claim yet they still will not utilize the info that I sent them, so I can get whats rightfullly mine ... .Please resinste my claims and stop denying them and ask me for the info if You need assistance..should be one for all items were sent back but I was never refunded account # XXXX {$530.00} claim # XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on three separate occasion in the past 90 days tried to call XXXX to have these hard inquiries removed from my report as I dont recognize them and these companies have not sent me any information in regard of the reason of inquiry. This is unalwful 604. Permissible purposes of consumer reports.
Product: Money transfer, virtual currency, or money service

I received notice from my bank on XX/XX/2021 that the scammer who helped her accomplice scam me through a domestic wire transfer closed her account after she was ninformed that there was a recall for the transfer since it was sent fraudulently. to her. 
someone at the Centennial Bank in XXXX Ar advised XXXX XXXX to close the account so now i am requesting that Centennial Bank be liable for the {$1000.00}. If they do not send me the money within a reasonable amount of time i will file for prejudice against a scammed customer from one of their customers then i will notify XXXX about what has gone on with this bank Centennial as they are upholding a crook im sure the person in question has opened another account WHATS WRONG WITH THEM GETTING MY STOLEN MONEY FROM THE NEW ACCOUNT.. 

THIS PROBLEM WILL GET SETTLED ONE WAY OR ANOTHER THROUGH NEWS MEDIA 'S HELP OR YOUR WIRE TRANSFER DEPARTMENT :
Product: Credit reporting or other personal consumer reports

There numbers of account which is not belong to me. I have reported numbers of time to credit companies. 

They don't provide me any investigation report regarding the issue or eaither remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect names are reporting on my credit report. 

XXXX XXXX XXXX XXXX Different addresses are reporting on my credit report. 

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

I have been working on my credit since XXXX this year and I have sent mail to the XXXX, and XXXX mailed me letters stating I was a credit repair agency and could not resolve the issue. I have been in the dark about my personal credit since XXXX XXXX, XXXX. I have not heard anything and they have violated my rights. I need these negative items removed from my credit report. They have violated my legal rights! It has been well over 60 days with no communication via mail, or email. 

Accounts listed below & Dates of letters sent on XX/XX/XXXX, and XX/XX/XXXX : 1. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. XXXX Account Number : XXXX Please remove it from my credit report. 
6. XXXX / XXXX Account Number : XXXX Please remove it from my credit report. 
7. XXXX Account Number : XXXX Please remove it from my credit report. 
8. XXXX Account Number : XXXX Please remove it from my credit report.
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 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 

15 usc 1681 section 602 a states i have the right to privacy.

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the rperson knows or has resonable cause to believe that the information is inaccurate.
Product: Mortgage

my mortgage servicer is lender live. i refinanced last year in XXXX. at the time of closing i paid down 3 month of escrow for my taxes and also prepaid interest XXXX. right now my loan servicer is raising my payment by {$110.00} because they claim that i need to have additional 2 month cushion for my escrow. initially when they took over my mortgage they were asking me to pay the insurance which numerous times i rejected it because i want to deal with my insurance myself and now escrow for my taxes. servicer will not return phone calls or respond to messages. last conversation i had with them they told we will raise your payment and we will do it at any given time when there is a change in your taxes. my taxes are {$690.00} a month and based on projection for 2016 it will come up to {$690.00}. why should i pay {$110.00} every month more. i refinanced to lower my payment and this servicer is telling me flat out you will pay more. i can not afford to refinance again to lower my payment and get into another servicer who will do the same
Product: Checking or savings account

I was long time customer someone stole my card and was using it to pay for things Wells Fargo never let me know but when I started checking my online access I called and disputed the charges
Product: Credit reporting, credit repair services, or other personal consumer reports

A notice was sent out XX/XX/2021 for them to remove previous address, jobs, and missed spelled name to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called XXXX and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( ARS and XXXX ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Inquiries : 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 XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look Forward to hearing your response. 


Thank you XXXX XXXX
Product: Debt collection

The company I C SYSTEM INC has listed a debt on my XXXX  credit report in the amount of {$75.00}. I've repeatedly disputed that the debt is not mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB this negative item ( XXXX XXXX  XXXX XXXX ) is STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.