23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a message from XXXX XXXX on XXXX/XXXX/XXXX from XXXX ext XXXX regarding case # XXXX, which he stated was regarding a legal matter attached to my social security number. Upon returning his phone call, He stated the last XXXX numbers of my social security number and I was told he was attempting to collect a debt for XXXX XXXX XXXX from XX/XX/XXXX and he wanted to know if I could resolve the account today. I told him I was not aware of what he was talking about and he said he needed to transfer me to the legal department. At no time did he identify the name of the company or what type of company it was. I was transferred to the legal department to speak to another man who did not identify himself, the name of the company, or the type of company it was. He stated my full social security number and stated that XXXX XXXX XXXX had been audited and that my social security number came up owing a debt from XX/XX/XXXX that was defaulted on in XX/XX/XXXX. I informed him that his information was incorrect because that debt was defaulted in XXXX and included in a bankruptcy in XX/XX/XXXX, which was discharged in XX/XX/XXXX. He then became hostile and stated that I had my facts wrong and that he intended to have a judgement filed against me to have my wages garnished and that I needed to hire an attorney and then hung up on me. I called back and XXXX XXXX answered again. I attempted to notify him that I would be hiring an attorney and he stated he needed to transfer me to the legal department. Upon being transferred, an unidentified man answered and said " Thank you for providing that information '' and again hung up on me. Concerned that this might be an attempt at identity theft or fraud, I called back and again XXXX XXXX answered. I asked the name of the company, which he stated was " Zenco. '' When I asked what type of company this was, he said he would have to transfer me to the legal department. I was placed on hold, and after some time, was transferred to voicemail. I left a message to notify the company that I would be reporting the company to the FBI as a possible scam and a fraud and that I would also be hiring an attorney.
Product: Credit reporting or other personal consumer reports

The Creditor negotiated with me and agreed to delete the tradeline after I settled. 
They consistently reported inaccurate information to the credit bureaus. 
The Creditor then changes an amount remaining and posts this inaccurate amount as past due although they knew the balance was XXXX. Please take a look, they report as accurate what should be deleted or XXXX  and force us to continue disputing and take as long as they desire with ultimately the same result. 
Nothing or additional false information! 
The Creditors are never penalized but they report whatever they want and it lowers our scores. It never matters to the Credit Bureaus that we attach justification with online disputes either.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Nurse Practitioner, XXXX XXXX, billed my medical insurance company, Florida XXXX XXXX XXXX XXXX for Ms. XXXX treatment for my XXXX injury at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Florida XXXX XXXX and XXXX XXXX, denied the claim because XXXX XXXX refused to provide additional information they requested to further process the claim. XXXX XXXX later turned it over to a collection agency after they had been notified by the insurance company and me that additional information was needed. The claim has now been posted as an uncollected debt on my credit bureau reports. Florida XXXX informed me that I was not responsible for that insurance claim and bill since the company and the nurse practitioner failed to comply with their request for additional documentation as they are an in-network provider for them. I have also filed complaints with the State of Florida Attorney General 's Office, the Florida Agency for Healthcare Administration, Florida Board of Nursing, and the State of Florida Chief Financial Officer 's Investigative Bureau. 

I find it rather strange that you and your company will not work with the hospital or Florida XXXX XXXX and XXXX XXXX in resolving this matter. HCA Ethics and Compliance representative, XXXX XXXX, contacted me on Friday, XX/XX/XXXX stating someone from XXXX XXXX would be getting in touch with me. They can not determine what happened either and were calling me for documentation when they could not obtain anything from your company. It is now Monday afternoon, XX/XX/XXXX, and I have not heard anything. We are trying to restore our home following extensive damages sustained from Hurricane Michael. We had to withdraw our mortgage loan application for additional funds because this is reported as an uncollected debt on my credit bureau report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuits 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 CFPBs 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 of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Checking or savings account

COAMERICA BANK took so much money from me in fees that I walked away and left them and their ridiculous balance. Id say overall they took over {$1000.00} from me. Their way of banking is different than any other bank I have banked with. It is almost set up to penalize you whenever possible. When you deposit money the bank puts that in first than pays your bills. Not COAMERICA. COAMERICA pays your bills than puts your deposit in. Leaving me with 5-10 over draft fees. I went to the manager multiple times about it. He did reverse the fees, apologies were made. However it continued. I had to take my business elsewhere. I was rejected for an online checking account and pulled my XXXX XXXX report. COAMERICA has reported me for account abuse and a balance of their fees of {$930.00}?! This infuriates me. They are the ones who abused my account. My husband is a witness to this. I want this account resolved and removed from my XXXX report. They can not get away with this. I have never had this problem before. Thank you.
Product: Vehicle loan or lease

My fiance and i purchased a used vehicle from XXXX XXXX back in XX/XX/XXXX for about XXXX. We went to the dealership on numerous occasions in attempts to get our plates and care registered this was included in our retail installment contract. Every time they just gave us more temp plates. We then discovered the dealership was laundering money and went out of business. WE contacted out lender who is BBVA and they instructed us to file complaint with DMV. WE did that and it was completed around XXXX but still nothing was done the DMV told us to reach out to BBVA. I have contacted BBVA about 10 times since XXXX of XXXX trying to get the year long issue resolved and they just give me the run around. I have spoken to managers and lower level employee who all tell me they will open a ticket and call me back but never call me bacfk and ticket is closed before it is resolved. One customer service rep told meon XX/XX/XXXX that they basically could not do anything BBVA was not at fault and that i should get a lawyer and sue the dealership that is not longer in business. I have been making payments on this vehicle for over a year and they do not have a legal binding title and refuse to help me get the title from previous lender of vehicle so i can register my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 
In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.
Product: Student loan

In XXXX  XXXX, I submitted my application for XXXX to determine how many eligible payments I have made as well as if i received/am covered by the temporary waiver. I have received two separate correspondences informing me that they received my application but I have not heard anything since. I've tried contacting both XXXX and FedLoan Servicing to get an update in the status ; however, neither institutions are able to give me XXXXspecific information. I have periodically reached out to both institutions, with the most recent inquiries taking place during the week of XX/XX/XXXX. XXXX sent me a copy of my payment history but it does not indicate XXXX payments or the eligible payments under the government pandemic forbearance, and FedLoan Servicing indicates that they still do not have any record of me in their system. With the latter, I am constantly transferred and left on hold.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving and accurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, a legend, systemic issues, such as failing to forward consumer provided evidence to furnishers, excepting unreliable responses and failing to adequately, notify consumers of dispute outcomes. These failures aligned with my experience, where experience has neither the corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law and rights as a consumer.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized and false credit inquiries that have appeared on my credit report. Additionally, I suspect these inquiries may be linked to identity theft, which has caused significant concern about the safety of my personal information. 

The following credit inquiries were not authorized by me and are inaccurate : 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  These inquiries have negatively impacted my credit score and created undue stress. I have reason to believe that my personal information may have been used without my consent to initiate these inquiries. 

Steps Already Taken : I have reviewed my credit report and confirmed that these inquiries are not authorized. 
I am taking additional measures to secure my personal information to prevent further misuse. 

I look forward to your swift resolution of this matter. Please do not hesitate to contact me if additional information is needed. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I was approved for XXXX instore line of credit for XXXX XXXX XXXX store. I purchased a mattress set, dresser and livingroom set. my total. was {$1600.00}. I was told I had 101 days to pay off with no interest. i was told I can contact XXXX XXXX XXXX told to adjust my payments to be paid off in the 101 days, as they ach withdraw the payment bi-weekly. I called immediately to set up the necessary payments to be paid off I was told that they don '' t adjust payments and I have to tell the how much I want my payment to be. I was confused because that is not what I was told instore. I ask for my payment to be {$200.00}. I was told that the next 2 payments would be for {$200.00} and I would have to keep calling back to change the payment. Again not was I was told instore. 

On my payroll date I saw the minimum payment was withdrawn of {$130.00}. I called the company XXXX XXXX XXXX again to see what the problem was and was told the same thing. requested the payment to be {$200.00} again. This time one payment of {$200.00} was withdrawn and then the payment went back to the minimum. I called again to have the payment adjusted. The same thing happened again the minimum payment was deducted. I called again and asked for a Supervisor, the same scenario again. I asked the payment to be adjusted and the minimum payment was still deducted. 

I feel like this is a scam to keep you from being paid off in the 101 days. I called again and asked for a supervisor and she explained the same thing. I complained that I have made several attempts to pay {$200.00} but my request is not being processed. she stated that I could have paid online and I explained to her that to avoid any mistakes I wanted to call and speak with a representative to ensure my payments were made and processed properly. She continued to sate the process which has never worked from day one. She extended my pay off by 1 week and advised that I would be charged {$4000.00} in leasing fees if not paid if by XX/XX/XXXX. This is absolutely crazy to be charged {$4000.00} in leasing fees when I did everything I could possibly do to adhere to the 10 day pay off option. This is a scam to charge astronomical amounts of excessive fees. This should be illegal.!!! I'm disgusted at these practices and something needs to be done about this. PLEASE HELP ME. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX American First Finance XXXX
Product: Debt collection

I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. Portfolio Recovery Associates still report incorrect and negative items although they said they would stop collection actions. Portfolio Recovery has sent me over 130 harassing letters which I have not opened and returned to sender. XXXX XXXX, XXXX XXXX continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed account that they verified FCRA states that thus debt must be verified with original signed contracts XXXX XXXX acct. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my fico score today XXXX/XXXX/XXXX, showing I have delinquent accounts on my account that are way over due and I had a XXXX credit score and they dropped it down to XXXX. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several discrepancies that are negatively affecting my credit score and hindering my ability to secure credit.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate inaccurate information on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report, including incorrect personal information. However, more than 30 days have passed since my letter was delivered, and I have yet to receive any response or resolution from Equifax. 
Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their file. Equifaxs failure to respond and investigate my dispute appears to be a direct violation of my rights under the FCRA.

I am attaching a copy of my original dispute letter as supporting evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX   XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX Bankruptcy Chapter XXXX- discharged XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute three times that this account was not included in a bankruptcy   that was filed XX/XX/XXXX. I opened the loan with XXXX XXXX XXXX with my spouse XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy.  My bankruptcy  was discharged XX/XX/XXXX. I voluntarily surrendered this car XX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with XXXX XXXX XXXX in XXXX XXXX XXXX. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX XXXX bankruptcy. I have submitted all documentation several times and neither XXXX nor XXXX will correct this
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my report that is incorrect please remove. This item is not mine please send verification or remove. Ive requested legal correspondence and have received none. Please remove.
Product: Debt collection

keep requesting information from debit collector, they keep sending me the same information as a stalling tactics. I need them to verify this debt and confirm that this is ine. I need them to provide the original contract with me signing.
Product: Debt collection

My brother was renting an apartment in my name and paid every month until the end of the lease. His next move was to move out with a friend or stay there for another 6 months. He informed the apartment complex of the situation and advised them that he would have a final decision within the last 2 weeks of the lease. He did so inform them that he would be moving out within that 2 week time period. They then told him that because he did n't turn in a 60 day notice that he would owe 2 additional months rent @ market value because that notice was not turned in. He did n't turn one in because of the uncertainty of where he was going to live and was in complete communication with them to this fact, but they then charged to my renter 's history the 60 days @ market value when the entire lease term was paid in full.
Product: Student loan

Complaint against Mohela Department of Ed. 

1. My loans have been forgiven.

2. I have contacted them 8 times and sent proof.

3. Additionally on the statements they send me the loan distribution dates don't even coincide with the classes or degrees I have.

4. My last Graduation was in XXXX. They have loans being distributed in XXXX, XXXX, and XXXX, not my information. 
5. I filed a complaint with The Federal Student Aid, and never heard anything back.

I will upload all the data I have.