23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted regarding a medical debt from XXXX and XXXX. I asked about the new rule going into effect later this year that specifies medical debt can not be reported to credit bureaus. The representative became audibly annoyed and told me there is no such thing.

They then went as far as to state that I must not understand because Im young ( XXXX XXXX XXXX XXXX ) but that I need to pay them otherwise it will be reported to the bureaus and that if I do not pay they will sue me. They threatened that if I dont agree to pay or set up a payment plan on that particular phone call they would proceed with legal action. This is the first time I have ever heard of these medical debts.

I called back to speak to someone else and spoke with her manager who affirmed that the new law but attempted to convince me that the rep did not actually threaten to report to credit bureaus or sue. Upon asking for a copy of the phone call, they became adamant that they dont record any of their calls and refused to provide me a contact to formally request it, only directed me to their website.

Overall I felt the original representative attempted to mislead me regarding the new law, exploit what she perceived to be my lack of age/experience/understanding, and aggressively threatened to sue me over a medical debt during their first instance of informing me it exists. 
I also feel very strongly that her and her manager, their head of collections, employed manipulative practices during our conversation to dissuade me from understanding and exercising my consumer rights.
Product: Credit reporting

My hard credit requests score NEEDS TO BE UPDATED as there is a two year limit and most have expired but are still listed and counting negatively against me. Please please update.
Product: Payday loan, title loan, or personal loan

I have attached a copy of my personal loan from Bankers Heathcare Group. The interest seems predatory. I received a flyer in the mail, called about it and that same day a notary met me at work to sign papers without fully understanding what I was getting in to. I have attached my payment schedule. I supposedly borrowed {$80000.00} but only remember getting {$60000.00}. My total pay off will be {$140000.00}. This almost 100 % interest.
Product: Debt collection

I had previously made a complaint about this account and did what I could to resolve it but the company refuses. I have attached the emails as well as the police report and previous communications. previous complaint ID was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted online to place a credit freeze on my credit report at Equifax but was instructed by their website to download a form, fill it out and mail or fax it to the address indicated on the form along with a copy of my Social Security card and driver 's licence. I mailed the form along with a copy of my driver 's licence and a copy of my Social Security card to the address indicated on the form from around the XXXX XX/XX/2020. To date I have not received an acknowledgement from Equifax that they received my documents. I again attempted online to place the credit freeze on my credit report and failed to do so, I called Equifax and attempted to get it done and this was also a failure. I have uploaded a copy of the form I mailed to them
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, XXXX XXXX of XXXX approved a XXXX. As it was NOT a loan, it was never paid back, and XXXX had never entered this on my credit. At the beginning of XXXX, 14 years after it had been given to me, XXXX put it as a past due loan on my credit reports. 
Even if this was a loan and not a XXXX as I contend, the statute of limitations has long run its course and can not be put on my report. 
I complained to one of the XXXX, XXXX XXXX, and he did nothing. ( XXXX fled the school after a negative NY XXXX article about him ).
Product: Prepaid card

I XXXX XXXX and got pre-paid card. Although, I set up direct deposit, they are not allowing me to transfer my current funds to my bank. So now I'd be forced to pay fees to Comdata XXXX XXXX XXXX Mastercard and the ATM provider for any withdrawals which will then erode my XXXX  funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed fraudulent charges totaling approximately {$1000.00} on my 5/3 checking account. I alerted them and instead of closing/freezing the account immediately, they opened a new account, for which I denied a debit card because at the completion of the fraud investigation, I was intending to close all accounts with 5/3. The fraudulent charges were moved to the new account so that when the investigation was complete, they could refund me the roughly {$1000.00}. Their investigation indicated that the charges were in fact fraudulent charges and 5/3 refunded the charges to the new account in XX/XX/XXXX. I noticed that the initial account with the fraudulent charges incurred interest fees totaling {$1.00}. I called the bank and they adjusted the charges, acknowledging that they accrued in error and I would not be responsible for them. In XX/XX/XXXX, I received a notification from my credit monitoring company that my XXXX XXXX had dropped due to derogatory remarks due to a late payment of more than 110+ days. When I opened my credit report, I noticed that the charges were coming from 5/3, and that they had never submitted the proper paperwork to adjust the fees and have the incident removed from my credit report, as it was not a mistake or late payment on my part. I called 5/3 Bank immediately and spoke to the highest person I could get in contact with and was assured that they would submit the paperwork to have the error removed from my credit report immediately. In XX/XX/XXXX, a potential home lender pulled my credit report and enquired about the delinquencies. The errors are still appearing on my credit report. I need these to be removed so that my husband and I may receive the home loan for which we qualify for otherwise. 5/3 Bank has not attempted to remedy this, and I have filed two disputes in XX/XX/XXXX, XXXX with XXXX and one with Fifth Third 's Dispute Department, in addition to filing a dispute orally with the bank. One dispute that was filed n XX/XX/XXXX indicated that there was no error and my credit report would stay as is. I immediately filed an investigation and submitted an 8 page narrative along with bank statements as evidence that the error was made on 5/3 's part.
Product: Credit reporting or other personal consumer reports

Every year for last 3 years I have disputed a collections on my report via XXXX They have removed it on my report as fraudulent and not mine for XXXX and XXXX. There is another new collection agency this year and again I am disputing because this is NOT mine. I have never had XXXX or authorized an account in my name. Now they saying it's verified? How is this when it's been verified as not mine the last 2 years. I have sent this information and they are researching it.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, XXXX and Transunion Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved.To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. I contacted XXXX, XXXX and Transunion Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and Transunion Credit Bureau 's requests. I request the following : Immediate and effective action to remove the fraudulent items from my credit file. Clear communication regarding the status of my case and the steps being taken to rectify the issue. A formal written acknowledgment of the removal of the fraudulent items. Compensation for any financial losses or damages incurred as a result of these fraudulent items. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I traded bitcoin on Coinbase and did several transactions. However, since last month I was suddenly asked to provide SSN when I do any action like sell or withdraw. I do n't have SSN but Coinbase allows me to do trade in the beginning. For now, I still have XXXX $ in my USD account and I can not withdraw my money. I contacted Coinbase since last month but no one reply.
Product: Debt collection

Date:XX/XX/19 I didn't receive any notifications, I only saw my credit score decrease and when I checked why, I saw I was in a public debt collect agency. The amount I owed was {$170.00} usd. I called the agency and may the payment and two month ago it's still open.
Product: Credit reporting or other personal consumer reports

Could you please delete these inquiries? I am unaware of them, and they were conducted by the company without my consent.
Product: Checking or savings account

I have a court order account that I submitted the paperwork from the judge to release the hold. Im being ignored and transferred from department to department. Its been over a week and my account it still unblocked. I been told that we dont have these accounts often so they dont know what to do and I need to wait. No details on what Im waiting for and how long.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts I have tried to dispute being they were paid off or I do not have a contract with them.
Product: Credit reporting, credit repair services, 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 an confidentiality XXXX XXXX XXXX IS INACCURATE THEY ARE POSTING A PAST DUE BALANCE THAT IS INACCURATE.US DEPT OF XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a 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 or information, other than records of convictions of crimes which antedates the report by more than XXXX years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

There's to many to list ongoing reposts of 2 late payments, that companies never reported as late balance take over 30 days to correct after balance are XXXX with XXXX, and Experian only numerous calls and letters to correct, they will correct 1 but not all credit history in years incorrect balances incorrect on 5 or more accounts
Product: Debt collection

I, XXXX XXXX, checked my credit report on XX/XX/2021 and I noticed that I had a inaccurate and fraudulent account on my credit report. I have no knowledge nor did I give consent for this account to be on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date of a Collection XX/XX/XXXX Original Debt Collection-XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

In XX/XX/XXXX I started receiving debt collection notices regarding cell phone bills in my name. After I looked into it I found out someone was using my personal information to get phone service in my name. I contacted the phone companies and they agreed I was not responsible for the debt. 
In XX/XX/XXXX I started getting calls from debt collection agencies trying to collect the debt I was not responsible for. I asked these debt collectors to send me a debt validation letter, they never did. I disconnected my home-line due to all the collection calls I was getting but they still call my cell number sometimes several times a day. The most aggressive debt collectors that contacted me are XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX, and XXXX. 
After more than 4 years of this abuse from debt collectors I want to file a complaint and hopefully put a stop to it.
Product: Credit reporting or other personal consumer reports

OnXX/XX/XXXXXX/XX/year> I had an appointment in branch with M & T bank. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, M & T bank ran a inquiry on my XXXX report on XX/XX/year> without my permission
Product: Mortgage

My adjustable rate loan I had from XXXX was being serviced by SLS and the loan was transferred to Shellpoint without the original loan paperwork They dont have proof that it is an adjustable loan so they wont adjust the rate now that rates have changed. The loan rate was Prime minus .49 % and they wont adjust it from 7.99 % since the loan paperwork is missing from their files
Product: Credit card

On XX/XX/XXXX of XXXX  my family and I traveled to the XXXX for a family trip and stayed at the XXXX XXXX XXXX XXXX. The purchase was made on our Amex card. The hotel verifiably misrepresented their hotel room that we purchased for our stay. Complaints were filed with the hotel. We notified Amex upon our return of the issue which was thoroughly documented and all evidence was provided to Amex. Amex continually ask for more information while the hotel denied our claims, but Amex never asked for evidence from their side. Amex clearly was worried about their relationship with the hotel over their customer. They are in clear violation of their terms of service outlined in their documentation for dispute resolutions.
Product: Credit card or prepaid card

I have started paying double the amount ( {$1000.00} ) of my minimum payment amount on my Care Credit Card after my promotional interest rate expired and my account increased beyond my limit. While reviewing the remaining balances on my two accounts, I noticed that my accounts were only reduced {$250.00} the following month ( XXXX Balances : {$1000.00} and {$8400.00} ; XXXX Balances : {$1000.00} and {$8100.00} ). The approximate total monthly interest on my account is {$320.00}. This means that about {$680.00} should be left to reduce the balance of the two credit accounts I have. I have called Synchrony Financial on various occasions asking about the {$420.00} difference. After more analysis of my statement, I have noticed that Synchrony Financial has not reduced my account balances because the total monthly interest is calculated based off of the remaining balance of my two loans ( individually ).  Therefore, they are getting more money from me ( in interest fees ) by not reducing my accounts accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is no sufficient information to support Equifax 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX , XXXX XXXX XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Product: Vehicle loan or lease

XXXX XXXX XXXX  sold me a vehicle. They went out of business XXXX days later. They failed to register the vehicle in my name. I have no plates. The company was taken over by a debt collection company Westlake portfolio management. I have been contacting them for XXXX days straight. I have been given XXXX different email addresses XXXX not being valid they have come back as can not send. Every time you get them on the phone they have a different story. They sent me a fake power of attorney to try and get another temporary tag. XXXX does not except that as valid form. I tried to tell XXXX this. They have had me send emails and transferred me to departments that dont exist. The title department told me in writing that they did not have my title. I can not register the car. I can XXXX XXXX the car with no plates. They have taken over XXXX of my money and I cant XXXX XXXX the car. I have contacted the better business bureau, the head of XXXX and the local senate. No one can help me. I dont know what to do.
Product: Debt collection

I got a notification that I had a new account in collections and I saw that it was from my cable service from almost 2 years ago for a small amount of {$27.00}. I disputed the information with XXXX because I had no knowledge of this, but the dispute came back verified. I decided to contact the collection company, Stellar Recovery Inc., where they let me know what the debt was for. I told them I never received any bill from the original creditor nor any sort of correspondence from the collection agency since XX/XX/XXXX, when my debt originally began and it is now XX/XX/XXXX. Now all of a sudden this is showing up on my credit for a measly {$27.00}! The collection agency then told me they EMAILED me my collection notice. Emailed?! They then told me it probably went to my spam folder. Excuse me, but you 're talking about my credit that is at stake and the correspondence probably went to my spam folder? That is not sufficient notice in the almost 2 years and now this will be on my credit for 7 years. Unacceptable. I have searched my email and I have no email from Stellar Recovery , Inc . I would call this unfair debt collection practices.
Product: Credit reporting, credit repair services, 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. 


Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.
Product: Debt collection

There are some unidentified things on my credit report, i've submitted XXXX dispute letters from XXXX XXXX XX/XX/XXXX attempting to resolve the issue and have got no response.
Product: Mortgage

On XX/XX/2015 our mortgage was paid off in full to Nationstar Mortgage including fees requested to record the deed of Reconveyance ( clear title after satisfaction of loan pay off ). 
To date, after numerous calls and letters to XXXX XXXX, CEO, Nationstar Mortgage, we have not received the Reconveyance. Instead, we have received documents recorded by Nationstar on XXXX/XXXX/15 transferring the ( loan ) property to other entities. On XXXX/XXXX/15, another document was received " Substitution and full Reconveyace '' recorded on XXXX/XXXX/15 from Nationstar to XXXX XXXX XXXX. This is not a reconveyance on behalf of us, nor does the document list the legal description of the property.
Product: Money transfer, virtual currency, or money service

XXXX XXXX first download the app with no expectations. I didnt know how the app worked and was unaware that it was a one way transaction with no protection to fraudulent transfers. 
Since starting the app in XXXX, Ive had a total of {$900.00} that Ive lost and have yet to be recovered by Zelle. During the XX/XX/XXXX freeze here in Texas, a scammer took {$300.00} in emergency funds that I couldnt get back. There was no help line or chat to speak to someone and when emailed there was always a long waiting period before they denied your claim because no one could help through Zelle. I couldnt dispute through my bank. They denied any return because there were no protections put in place by Zelle to protect the transferees at that time.
Product: Credit reporting or other personal consumer reports

I have never authorized, consented to nor benefited from the following account/inquiries, please remove the following within 4 business days pursuant to 15 USC 1681 XXXX XXXX. ) XXXX XXXX  XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Attorney General XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) .Inquiries : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

Synchrony has again locked me out of my accounts. Username not recognized. When I attempt a password reset or recovery it tells me my username dob and ss are not correct. Unable to login and make any payments. Calling results in sitting on hold for hours and never reaching anyone. How do I pay these accounts if I can't access them?
Product: Checking or savings account

XX/XX/year> METAPAY*XXXX XXXXr XXXX XXXX XX/XX/year> METAPAY*XXXX XXXX XXXX XXXX XX/XX/year> METAPAY XXXX XXXX XXXX XXXX XX/XX/year> METAPAY XXXX XXXX XXXX XXXX XX/XX/year> METAPAY XXXX XXXX XXXX XXXX An entity used thisplatform to illegally acess and debit our checking account