23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company XXXX has sent a bill I do not owe to XXXX different collection agencies. XXXX, and ERC. The first attempt at sending it to collections I requested validity of the debt and was told XXXX had to look into the balance and if I did not receive anything then it would be resolved. I did not receive anything and then a year later got a letter from ERC collections also from XXXX for the same date of service but the bill was {$20.00} more than it was before. I disputed the bill with this agency and they said I did everything I could do with them and that to get the bill adjusted I would need to contact XXXX. After calling XXXX they claim they can not find the account and then gave me a number to call that was a disconnected number. So at this point the bill has been with XXXX collection agencies, shows XXXX different amounts for the same service, the current collection agency says they can not do anything unless XXXX adjusts the bill which they claim they cant find and that if I cant get them to fix it then it will be sent to a different collection agency for me to dispute again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get XXXX  to merge my old credit report with my new one since XX/XX/XXXX. I changed my full name as part of a divorce in XX/XX/XXXX, and they have refused to process my name change dispute several times this year for erroneous reasons ( " no ID provided '', even though my FL license and social security card are on the same page as my dispute letter ). I haven't been able to open any new credit accounts or loans for an entire year, entirely because they won't merge my old credit report ( under XXXX XXXX XXXX XXXX with my new legal name of XXXX XXXX XXXX. I have started the same saga with Experian  more recently, and I'm sure XXXX will be just as useless as XXXX  and Experian. I am desperate to get access to my credit again. Please help me force these companies to process my name change dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's XXXX, XXXX, and Transunion are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries have been on my report for quite some time. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Experian. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Debt collection

I took a loan of about $ # XXXX for my son 's education and paid some of the loan and an amount of {$5600.00} became past due. The Company ( NAVIENT SOLUTIONS LLC ) contacted me for payments many times. After a while I started making payment by checks to through my XXXX Bank account XXXX XXXX XXXX accounts. I paid up all the past due balance. 
After I completed the payments to Navient, I got a call and a " bill '' from XXXX XXXX XXXX XXXX XXXX claiming to collect on the debt that have already been paid. I called both Navient and XXXX to let them know the debt has been paid in full and yet XXXX continues to call and bill me for the debt. They also continue to report the debt on my credit report which is not accurate.
Product: Vehicle loan or lease

I XXXX, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX hereby accept all titles, rights, interest, and equity owed to XXXX XXXX XXXX. 
I hereby instruct CFO to apply the PRINCIPAL balance to the PRINCIPAL, Account # XXXX for set-off. 
I also instruct CFO to communicate in writing within 5 business days once instructions are completed.

If instructions are not completed, I instruct CFO to respond in writing 5 business days giving reason of non-performance of fiduciary duties.

If no communication is made within 5 business days I XXXX, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been completed. 
Section 16. Note Issues The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington XXXX District of Columbia, or at any Federal Reserve bank.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXXXXXX issued an order against Block, Inc. ( Block ), a nonbank headquartered in XXXX, California which operates Cash App, a mobile payments application through which consumers can send and receive money through peer-to-peer transfers. XXXX  XXXX found that for years after the inception of Cash App, Block failed to provide effective customer service for Cash App, including by failing to provide live telephone agents, which prevented consumers from being able to have their financial issues addressed in a proper and timely fashion and resulted in fake customer service lines through which consumers information would be stolen, in a manner that was unfair in violation of the Consumer Financial Protection Act of 2010 ( CFPA ). XXXX  XXXX also found that Block failed to take timely, appropriate, and effective measures to prevent, detect, limit, and address fraud on the Cash App platform in a manner that was unfair in violation of the CFPA. XXXX XXXXXXXX further found that Block used the card network chargeback process as a substitute for fulfilling its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate and resolve disputes about unauthorized transactions in a timely manner in violation of the CFPAs prohibition on unfair practices. In addition, XXXX  XXXX found that Block engaged in deception by misrepresenting that it protected consumers from unauthorized transfers and had a telephone line to report such unauthorized transfers. XXXX XXXXXXXX also found that Block failed to comply in multiple ways with the requirements of EFTA and Regulation E, including regarding error resolution. The order requires Block to change its practices to comply with the law, pay at least {$75.00} XXXX in redress to consumers, up to {$120.00} XXXX. The order further requires Block to pay {$55.00} XXXX in civil money penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Federal Credit Reporting act XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Contacted two different phone numbers at XXXX XXXX PST. This resulted in my wife getting a XXXX  from being awakened in the middle of the night and my XXXX  being worsened because I was awakened in the middle of the night.
Product: Credit card or prepaid card

I visited XXXX XXXX   XX/XX/XXXX. I was charged in advance {$2300.00} for a dental procedure scheduled for XX/XX/XXXX. Over the next 6 months, I paid care credit {$410.00} per month. On XX/XX/XXXX, XXXX XXXX cancelled my procedure. By XX/XX/XXXX, I realized I was never refunded for the procedure. I sent the doctor an email requesting a refund. I got no response. I called care credit and asked how to file an appeal for a refund. I received a response back that said the appeal will be reviewed allow up to 60 days. They will send me a letter with their decision. After 60 days, I received no letter or refund. I called my bank XXXX XXXX to help me on XX/XX/XXXX. They did. On XX/XX/XXXX, I received a credit on my care credit card for {$2100.00}, I called care credit and asked them if the appeal was complete, and if so why is my refund {$200.00} short. I was told they could not explain to my why over the phone, look for a letter explaining why in the mail. The letter arrived. I have called care credit 4 times requesting a letter or explanation. I even called ( XXXX ) and spoke a manager name Ms. XXXX.on XX/XX/XXXX. I pleaded with her to please fax me over something to help understand what is going on. She told me they could not fax anything, they will send another letter for the 4th time.
Product: Credit card or prepaid card

I have submitted XXXX legitimate disputes over the past year, both have been denied without proper investigation and rationale. 

XXXX ) : The charge for {$860.00} from XXXX car rental on or about XX/XX/2022 This rental was for a XXXX passenger SUV during busy Spring Break. We received a XXXX passenger SUV. We required rental of another vehicle to accommodate our party. XXXX would not settle this matter to my satisfaction. All documents were submitted to Synchrony Bank showing the additional rental, contract for a XXXX passenger SUV and pictures proving a XXXX-passenger vehicle was provided. This claim was denied by providing non material paperwork from the merchant. 

XXXX ) : Charge for {$68.00} from XXXX  XXXX XXXX AZ. This was for an outdoor bench that was never delivered. I contacted the merchant for a tracking number and delivery date and no response was ever received. XXXX searches show this site is likely a scam, see the link below. 
XXXX XXXX XXXX Unbelievably, this claim was also denied and I have yet to receive paperwork indicating why. I called the dispute department and spoke with a supervisor named XXXX. She told me that the merchant provided a shipping label to prove shipment and the item doesnt have to be delivered. I asked for a tracking number, she stated the merchant could not provide XXXX and that I have to prove I didnt get the item. Not sure how to prove something DIDNT happen. This makes XXXX sense and when I tried reasoning with her, she hung up on me.
Product: Student loan

I scheduled a federal student loan payment for XX/XX/XXXX  through Nelnet, my assigned loan servicer. On XX/XX/XXXX  my payment is still showing as " processing ''. During this time interest is still being added to my account as if I haven't yet made a payment, unfairly punishing me for their slow payment processing service. 

If this were a one-time issue it would not be a huge deal as the extra interest would only amount to a few dollars. However, over the course of a 10,15, or 20 year loan it could easily amount to thousands of dollars in extra interest paid due to Nelnet 's extremely slow processing service. This unfairly punishes the consumer with extra interest charges despite it being no fault of my own, and in turn unfairly enriches the servicer. 

I've heard of many other Nelnet customers with the same experience and I'd like to this to be investigated and remedied as soon as possible. It's either not possible or extremely difficult to have your federal student loan servicer switched to a different servicer, allowing these companies to get away with things like this. It's incredibly frustrating, unjust, and should not be allowed to continue any longer.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian on multiple occasions regarding inaccurate reporting my credit report. They are reporting multiple violations within the FCRA and have done NOTHING to correct the issues. 

See attached documents below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disclosed on my consumer report are my credit utilization percentage. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; By disclosing my credit utilization percentage, you are disclosing financial information connected to my banking transactions.

I have also disclosed the definition per15 USC 6809 ( 4 ) ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or. 

So if non personal information are results from transactions, what are late payments and credit utilization I am also noting that I do not consent e oscar verification or any means of automated verification as part of any investigation process Please remove all accounts from my consumer reports that are not metro 2 compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd CFPB Complaint to be submitted requesting the removal of the Fraudulent accounts and information off of my Credit Report. I previously sent a dispute letter dated XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I have read that under the Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to request to you once more to have the fraudulent accounts removed from my Credit Report within the time allowed by law. Please have the following items removed as soon as possible : 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 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 Balance : {$65000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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. Please comply with the Federal law and have the disputed items removed from my Credit File within the time allowed by law. I have heard a lot of rumors that you are not willing to help a consumer fix their Credit File and I am hoping that I will not be treated the same.
Product: Credit reporting

Regarding account XXXX reported by XXXX XXXX XXXX to the credit bureau, Equifax. This collections company has not responded to requests to provide validation on the reported account and sends mail back as " Return To Sender ''. No correspondence has come from them, and they have made no claims to justify their right to pursue this account. XXXX and XXXX have removed this item because of failure to respond. Despite this, Equifax continues to " verify '' the account after repeated disputes, and has not complied with 611 ( a ) ( 7 ) requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA 623 violations. Equifax even went so far as to remove my current address from their records after making requests for method of verification, saying that they could not honor my request because my address did not match their records. Yet, all of Equifax 's correspondence with me is to my current address. Attached are the dispute letters sent to XXXX XXXX XXXX that have received no response, as well as proof of mailings sent to their listed XXXX location that they Return To Sender. Also included is letter from Equifax stating my contact information no longer matched in their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Strike Acceptance bank to which I make my monthly payments for my car since XX/XX/2019, has not reported such payments to the XXXX, XXXX  and XXXX Credit Bureaus. For this reason I am unable to buy a new car, because dealers need to see this information in the aforementioned bureaus. I would appreciate it if you could help me correct this problem that affects me a lot.
Product: Debt collection

Tsi has contacted and stalked me in regards to a debt collection. Also, purposely mentioned XXXX XXXX Im not sure how they got the details of my visit but they did
Product: Checking or savings account

On XX/XX/XXXX,2017 we were approved for a XXXX through online.on the same day, a deposit of {$490.00} was, deposited into our account from the online loan.come to find out it was a online fraud that locked our account for almost 2 weeks now and still have no access to any of our funds.we receive direct deposit on a weekly basic and still ca n't have access to any funds.regions told us that the fraud is under investigation and that our funds will be ready no later than XX/XX/XXXX,2017.well needless to say, we still have no access to any funds.it 's been 2 weeks and still no answers..this is getting out of hand..please help us get more answers to this so we can have access to our funds..I will be going to the bank today to do a follow up and I will get back with you about what 's going on
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. I tried disputing these 2 debts with XXXX and Transunion. I settled these 2 debts through a 3rd party made all payments on time as agreed and paid off. I was unable to get information from XXXX with the account numbers that are reporting on credit report. I have been disputing this with XXXX and TransUnion but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek to redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF ED : XX/XX/XXXX Fraud./ remove XXXX  XXXX : XX/XX/XXXX Fraud/ remove XXXX  : XX/XX/XXXX Fraud / Remove XXXX  XXXX : XX/XX/XXXX Fraud/ Remove XXXX XXXX  : XX/XX/XXXX Fraud / remove XXXX  : XX/XX/XXXX Fraud/ Remove XXXX  : XX/XX/XXXX Fraud / Remove XXXX  : XX/XX/XXXX : Fraud Remove XXXX  XXXX XXXX  : XX/XX/XXXX Fraud Remove XXXX  XXXX XXXX  : XX/XX/XXXX Fraud / Remove XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraud Remove XXXX XXXX XXXX  XXXX : ACCT # XXXX XXXX XXXX  : XX/XX/XXXX Fraud Remove XXXX XXXX XXXX : XX/XX/XXXX Fraud Remove XXXX XXXX  : XXXX FRAUD REMOVE Have violated my rights 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. also part ( 1 ) states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. part ( 4 ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. part ( B ) states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Please request all the Reporting Bureaus promptly remove these files according to U.S.C FCRA IT has currently been over 30 days since my last submission of this matter to be handles and for the files to be removed. And with fairness and abiding by the laws that hold up the banking structure I DEMAND that these accounts be removed diligently.
Product: Mortgage

I applied for a Home improvement Loan with ( Regions Bank ) that my contractor XXXX XXXX suggested. The work was supposed to be completed in 2 months. Work started XXXXThe bank paid the contractor upfront for all the work XX/XX/22 XXXX was paid in XXXX XX/XX/22 XXXX was paid an additional XXXX The contractor has not finished the job. The bank had stated that if he didn't finish the job, they would find another contractor to finish the job. I am getting no response from the bank or the contractor. Any help is greatly appreciated.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, after being on hold for over one hour, I spoke to a representative at XXXX. I informed the representative that XXXX had duplicated the student loans in my credit report, which is preventing me from qualifying for a mortgage. The representative told me that they would work on resolving the duplicate student loan reporting. 

Because the duplicate credit reporting was not resolved, I called XXXX again on XX/XX/2024 ; after being on hold for 1 hour and 27 minutes, I could not reach anyone. 

XXXX XXXX  error prevents me from qualifying for a mortgage and purchasing a home.
Product: Debt collection

I have received numerous voice mails from Weiss and associates telling me that my financial institutions have been contacted and all of my assets will be frozen in the next 72 hours.