23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX - I requested this medical billing debt be removed from Amsher Debt Collectors since this was a result of medical fraud and Amsher did not verify the debt per the Fair Debt Collection Practices Act on XX/XX/XXXX per certified mail via USPS. They refused to remove this from XXXX Credit Bureau. Had they verified the debt, they would have found this debt was the balance of a medical bill awaiting to be filed with XXXX XXXX XXXX by the provider XXXX XXXX. It was under contract to be required to be file with XXXX codes which XXXX XXXX had not yet filed for XXXX to pay at 100 % since the out of pocket maximum had been paid by me directly to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Amsher is guilty of Debt Parking in which they purchase unverified medical debt to bribe victims to pay the debt in order to obtain loans. 
Amount {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting

I 'm XXXX XXXX, Ive been trying to solve this problem going on a year now, since ive filed Bankruptcy XXXX and nothing is cleared off my credit, I filed Chapter XXXX and it was discharge, nothing has been remove from my Credit File, all XXXX Credit Bureau keep transferring my Information to each other,, and I also request that Fraud be remove from my Credit file and it has no happened, I 'm filing this complaint because I 'm getting the run around
Product: Credit reporting or other personal consumer reports

Creditors pulled my credit file without permissible purpose ( collection is not a valid permisssible purpose )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated chapter 93 Section 58 paragraph ( f ) of the MASSACHUSETTS STATE GENERAL LAW. This section of the law states whenever a statement of the dispute is file the consumer reporting agency Shall in subsequent reports containing the information in question clearly note that it is disputed by consumer. Experian did not after multiple subsequent reports state that account 14528 is in dispute. I have provided as proof several recent copies of Experian subsequent reports with no notice of dispute stated. I have also provided a copy of CHAPTER 93 SECTION 58 PARAGRAPH ( f ) of the Massachusetts State General Law as well. Experian you are willful noncompliance of chapter 93 Section 58 paragraph ( f ) of the Massachusetts State General Law. I have also attended a copy of my dispute letter with the supporting proof documentation subsequent experian reports.
Product: Debt collection

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card opened on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$720.00} the original account was with XXXX XXXXXXXX and there is one more collections at XXXX XXXX XXXXXXXX. on XX/XX/XXXX with a balance of {$460.00}, the original creditor was XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

Received an American Express {$200.00} gift card as a bonus in XX/XX/2023. First card didnt work so a replacement was issued. The second card worked once in XX/XX/2023 for {$49.00} and since then had been declined at every major on line merchant as well as in person at several large chains including XXXX, XXXX and XXXX. I called American Express gift card services who basically told me to keep trying merchants until it works. Wow!! Id expect this from some small time gift card but American Express. I have since found out from several on line reviews that this is part of a larger pattern by American Express. This problem happens all the time and American Express seems unwilling to fix the problem.
Product: Mortgage

Company currently sending out misleading advertisements stating your FHA- insured loan currently with XXXX XXXX XXXX has been identified as one eligible for this potential MI removal program which can reduce your monthly payment by xx.xx $ per month. To accept this opportunity, call our office at XXXX before XXXX XXXX. 

Have your notification number ready and cal out MI removal department at XXXX. 

Demand will be high so requests for information will be processed in order that calls are received. 

The fine print states this program is only for FHA loans.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of an account appearing on my credit report. This account contains inaccuracies, potential violations of federal law, and unverifiable information that require its immediate removal under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ]. Below are the account details in question : Account Details Under Dispute : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Account Type : Revolving ( Credit Card ) Balance : {$2100.00} Status : Collection/Charge-Off Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX ( varies by bureau ) Date Last Reported : XX/XX/XXXX ( varies by bureau ) Legal Grounds for Deletion : Inconsistent and Unverifiable Information FCRA 1681i & FCRA 1681e ( b ) : The high credit limit is reported differently ( {$2400.00} on XXXX vs. {$1600.00} on Equifax ). The last reported dates differ across bureaus, suggesting potential re-aging of debt, which is illegal. The Date of Last Activity ( DLA ) and Date of Last Payment are inconsistent, showing that the creditors reporting is unreliable. 
Re-Aging of Debt FCRA 1681c ( a ) ( 4-5 ) Violation : If an account is charged off, it must be reported based on the original delinquency datenot the last update date. The Date of Last Activity varies between bureaus, which is a clear sign of re-aging to extend the reporting period. Re-aging is a federal violation, and any account re-aged must be removed immediately per FCRA 1681c ( a ) ( 4 ). 

Failure to Provide Verification FCRA 1681i ( a ) ( 1 ) and FDCPA 809 ( b ) : Under FCRA 1681i ( a ) ( 1 ), any disputed account must be verified within 30 days, or it must be deleted. If this debt was sold, transferred, or written off, the original creditor must provide validation of ownership. If the creditor can not verify the accuracy of this information, it must be removed immediately per FCRA 1681i ( a ) ( 5 ). 
Charged-Off Accounts are Not Legally Enforceable FCRA & FACTA Compliance : If an account is charged off, it is no longer an active debt obligation and should not continue to impact my report under FACTA guidelines XXXX Creditors can not continue to report an unpaid balance after the charge-off unless the account is legally enforceablewhich is not the case here.
Product: Student loan

The COVID-19 federal loan forbearance ended a couple of months ago. Prior to it ending, I updated and added " auto-pay '' to my Ed Financial Services account to ensure that my federal loans were paid ; in fact, I am paying monthly above and beyond the minimum requirement. On XX/XX/XXXX, I made the first payment ; on XX/XX/XXXX, I made the second payment ; on XX/XX/XXXX, I made the third payment. However, each time an auto-payment is made, Ed Financial Services reverses the payment, which allows interest to accrue. The issue, I have learned, is not with my bank, but is on Ed Financial Services ' end. It is an issue that hundreds ( at least according to numerous XXXX complaints similar to my issue ) of others have also experienced.
Product: Vehicle loan or lease

Wells Fargo put forced CPI on my truck loan and it raised my payment to a level I could not afford. Then they repossessed my truck and killed my credit. I had to file bankruptcy. There not allowing me outside arbitration which there to do per the agreement from all states last year. They have lied to me at every step of this entire thing. There even lying about the date they took my truck trying to get out of paying. I need this taken care of and this isnt getting it done. I know the date they took my truck and it was from forced placed cpi and lies.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX  findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack to accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Still NOT resolved. 
XXXXCompany reviewIn progressXX/XX/2015
Product: Credit card or prepaid card

Obtained a credit card with Barclays Bank after being promised a promotional credit of air miles. Paid a {$99.00} fee and was then told I would not receive miles as I previously had a no annual fee card. Cancelled card and they would not refund the {$99.00} fee.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My dispute is regarding a collection account showing on my credit report from Convergent Outsourcing , Inc in the amount of {$7000.00}, originally from XXXX, which I do not believe I owe. I have disputed this account directly with them and even hired a company to assist me with no result. They were informed that I dispute the debt and that I never received proof that I owed this debt, they were also informed that I will not pay until I received proof that in fact I owed XXXX  {$7000.00}. Still they continue to report this account on my credit reports and this situation have negative impacted my credit and have created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you
Product: Money transfer, virtual currency, or money service

I had tried to order smeakers off of a XXXX page who i was later informed is a scammer pretending to be someone else. i tried to contact XXXX XXXX but they directed me to my bank, ( chase ) and they will not give me my money back. the original owner of the page that is suing him for defamation
Product: Money transfer, virtual currency, or money service

I was the victim of a scam for purchasing a piece of heavy equipment. I wired {$27000.00} from my account at Wells Fargo to a bank account at XXXX XXXX. I met with a Wells Fargo agent and he filed a Wire Return Request with XXXX XXXX, and then said, This is not going to work and theres nothing else I can do. I have documents from the transfer, but they have sensitive information contained on them.
Product: Money transfer, virtual currency, or money service

Im involved in the Wells Fargo securities class act settlement
Product: Vehicle loan or lease

On XX/XX/year>, in accordance with 12 CFR Part XXXX Regulation Z Notice Rights of Recission/Adverse Action was given to companies : CHASE AUTO FINANCE and XXXX XXXX XXXX 

On XX/XX/year>, a Notice of De-Fault Opportunity to Cure was given to companies : CHASE AUTO FINANCE and XXXX XXXX. 

On XX/XX/year> a Notice of De-Fault Judgement/Non-Response/Non Performance was given to companies : CHASE AUTO FINANCE and XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, I contacted a company to quote a bathroom named Washington XXXX XXXX XXXX XXXX, also known as XXXX XXXX Specialists. The company took my money but didn't provide a service. 

XX/XX/XXXX, after trying all avenues to get company to refund me, and them blocking me I filed a dispute with Goldman Sachs APPLE CARD. 

And I have continued to dispute the transaction SINCE that date, its now XX/XX/XXXX. I am a 100 % XXXX veteran, and Apple Goldman Sachs has not only violated the ADA, but also the 1974 Fair Credit Act. I feel discriminated against, as I've told Goldman Sachs multiple times I am a veteran on a fix income and can prove my XXXX status, yet Goldman has never once been able to call me back, follow up in a timely manor in the times I requested, which is broad ( Simply between XXXX - XXXX XXXX standard time ). Yet, they call me outside these hours, leave voicemails that just direct me to call back the same old number. The customer service is the worst I've ever dealt with, with never ending gate keepers who don't care or know your issues and simply answer without any research. 

I do NOT owe this debt, the company whom cheated me is being protected by goldman Sachs, Goldman Sachs knows my XXXX status and didn't provide any aid to me. I am 100 % in the right, and have kept all text messages and exchanges. 

My credit history is flawless, no missed payments. I am not trying to avoid a debt or some other silly reason, I simply have had MY money stolen, and Goldman Sach chooses to aid and abide a criminal company whom has over 35 complaints with the WA state Attorney Generals office, which Goldman Sachs ALSO knows about, as I've submitted before.

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 do something to end Goldman Sachs horrible, selfish, and irresponsible practices.
Product: Mortgage

My account was transferred from XXXX to SLS Loan Servicing in XXXX XXXX. I was unable to make my XXXX payment with XXXX and called SLS. They took a payment over the phone XXXX as my account was not set up yet. That payment was never applied to my account. I have called numerous times going over the information and was told, yes we see the error and it has been escalated. The month after that my statement still showed a past due amount, called and they said yes your account is flagged to review because of the transfer. They said do n't worry, no late fees or past due will be reported to the agencies. I work at a mortgage bank myself so I know the process all too well. We are in XXXX and the issue is still not resolved and I ca n't get a manager on the phone. 

Below are my transactions XXXX payment made via phone XXXX for {$600.00} ( confirmation XXXX ) XXXX payment made XXXX for {$600.00} as my account was finally set up XXXX payment made XXXX for {$600.00} XXXX payment made XXXX for {$600.00} XXXX payment made XXXX for {$620.00} XXXX payment being made today for {$620.00} I am unable to make payments online as it is asking for past due amount ( which I do not owe ). I need to make the payment via bill pay through my bank which is why XXXX payment did not process until XXXX and my payment today will not process until the first few days in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX/XXXX  Inquiry :XX/XX/XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a digital payment from a friend named XXXX for money that he owes me, and immediately without notice or warning nor information was given to me to resolve my now " frozen '' account, I sent all required documents to venmo and it took over a month to get them to unblcok my account so that I could access my money, now on XX/XX/2023 my friend XXXX again made a payment to me and once again my account was frozen and it was requested that I send in documents again to verify my identity
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable too scams The lack Next Cell of accountability and transparency its unacceptable and a serious concerns about consumer safety
Product: Credit reporting

Back in XXXX I disputed information about a Tax Lien that was EXPUNGED. That information has now re-appeared on my report showing satisfied or paid which is FALSE, INACCURATE AND FRAUDULENT.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021 I contacted a repossession company to voluntarily repossess the SUV that had the title loan repossession company contacted first Franklin financial about the voluntary repossession. First Franklin refused and denied repossession company to repossess said vehicle. 

First Franklin has refused to update my credit report to reflect that's such loan has been fulfilled due to voluntary reposition on my behalf. 

First Franklin financial still to this date has refused to come get said vehicle vehicle has now been listed as abandoned and a new bill of sale and title is given to the new owner.
Product: Debt collection

I am receiving letters concerning a debt that I have asked for validation of the debt. All I get is we have verified the debt and I owe. I have sent several certified letters to the company requesting validation and I get nothing but my name and address and a statement saying its been verified without any such proof. After my final certified letter requesting validation they sent me a letter saying they are going to report this information to the credit bureaus. Yet I have not received one shred of validation that I have been requesting from them since XX/XX/2016.
Product: Debt collection

On XX/XX/XXXX, Caine and Weiner contacted me to settle the claimed debt of {$12000.00} to XXXX XXXX XXXX XXXX XXXX ( Document " enotice '' ) via email. With this notice, I was not informed of my right to ask for proof of debt. On XX/XX/XXXX ( XXXX business days ), I responded with my dispute, explanation of the situation, and requested proof of debt. On XX/XX/XXXX, Caine and Weiner representative XXXX acknowledged they would respond with proof. On XX/XX/XXXX, I discovered Caine and Weiner reported my account to XXXX, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX ; one day before contacting me. I requested that this false report be removed. I received no response. 
On XX/XX/XXXX, at XXXX, I contacted Caine and Weiner again as XXXX  days had passed on my request for proof of debt and asked for the removal of my account from all three bureaus as there was no proof of debit as I had explained to them. I received no answer. However, only XXXX  deleted the account from my report. 
On XX/XX/XXXX, I contacted XXXX at Caine and Weiner again to remove my account with the false claim from my credit report from XXXX, XXXX, and XXXX  Credit Bureaus. 
On XX/XX/XXXX, XXXX responded that he would further contact the original creditor for information to validate my debt. 
On the same day, I let XXXX know that I had already requested the proof of debit and I was only contacting him to remove the false debt from my credit report on XXXX, and XXXX as 30 days had already passed. I then let him know that I was aware of my rights under the XXXX Fair Debt Collection Practices Act ( FDCPA ). 
Immediately after this, on the same day, XXXX from Caine and Weiner responded that they had mailed me the letter on XX/XX/XXXX, to which I replied was a lie because I had no mailed contact with them. All my conversations and interactions with them were via email. In addition, he had just responded earlier in the day that he was still reaching out to the original purport creditor XXXX XXXX XXXX XXXX. Thus, if he was still reaching out to this creditor, how could he have sent me any proof of debt on XX/XX/XXXX? It was very clear the representative from Caine and Weiner was lying and working under false pretenses to not remove this false report with the two credit bureaus.

I have now disputed the debt directly with XXXX  and XXXX.