23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Greetings, We were unable to pay a medical bill early on during the pandemic due to job loss. Now that my wife is working again, I attempted to settle the medical bill. This particular bill was turned over to the Cherrington Firm PLLC in XXXX, UT. They were unwilling to work with me on a settlement. In fact, they added an 84 % increase to the original amount in interest, and they are telling me that the interest is added daily. 
I checked with the original bill holder which was through XXXX XXXX. Since they had already turned it over to the debt collector, they were unable to recall the notice. However, they did provide me with a EOB and they mentioned that the original contract does not mention additional fees or interest for late payments. Therefore, the firm is attempting to illegally collect interest on a medical bill which is not accurate. I feel that I am being raked through the coals for something that I just want to take care of and be done with, but they are unreasonable. Please Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

On XX/XX/XXXX I submitted a complaint through the CFPB complaint # XXXX stating that Green Sky XXXX was using Color of Law to not only publicize and furnish inaccurate and private information but also that the information is FRAUDULENT and that has resulted from its own acts of FRAUD and IDENTITY THEFT as defined by 15 USC 1681 a ( q ) using extortionate means to collect on debts not owed which is a crime. I have made Green Sky aware numerous of times that the transactions were unauthorized which the CFPB has sued Green Sky for in XXXX File No : XXXXCFPBXXXX In the attachment provided I asked that the company provide proof it acted with lawful authority when it obtained and shared my information to consumer reporting agencies, and they failed to do so. Instead, they responded to the CFPB on XX/XX/XXXX stating that the complaint is in progress, and on XX/XX/XXXX mailed a attached letter to my home stating the same thing in addition to numerous phone calls asking about the detains of FRAUDULENT Transaction. I have put this company on notice and have filed a valid FTC complaint which is also attached, however they have failed to remove this tradeline from all three of my consumer reports which is another federal violation 15 USC 1681 s-1 ( a ) ( B ) which clearly states : If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency unless the person subsequently knows or is informed by the consumer that the information is correct.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My disputes are not being processed when sent by mail. I also can not submit disputes online. My son and I have similar names and we share the same address. I believe there is a mismatch file issue.
Product: Money transfer, virtual currency, or money service

. Date : XXXX, 2020. Amount : Total XXXX USD. Company : Remitly ( www.remitly.com ) I found Someone hacked my Remitly account on XXXX and took out cash from my debit card which was linked with the Remitly account. I reported this unauthorized activity case to the Remitly company on XXXX as soon as I found it. they said their consumer protect team will contact you within 24~48hr. but no feedback from them. 
so, I contacted and complained again on XXXX but their answer was always " I am sorry to hear that. and the Customer protection team will contact you for the next steps within 24~48hrs. ''
Product: Checking or savings account

Since I opened my new account, someone has hacked my account making or reproducing similar transactions depleting my account. 

XXXX transaction in particular will validate this statement, and many others. 

Someone has illegally wire tapped my home Hacked our internet, computer, and cell phones. Getting into bank accounts and IRS XXXX, child tax credit, and income tax returns. Delaying them since XXXX. I did not receive what I was suppose to receive. 
I believe law enforcement retaliation and the owner of this home I rent are involved in this fraudulent abuse, which includes sheriffs departments, police departments, the management facility XXXX XXXX, and XXXX XXXX who is owner of the home. I believe and have evidence she has accessed my XXXX account for XXXX Florida and is trying to receive that money and have me evicted. That money is suppose to help my children and I.
Product: Debt collection

I called XXXX on XX/XX/2019 and spoke to customer service representative XXXX employee reference # XXXX. Then spoke to XXXX. Then spoke to XXXX in billing XX/XX/2019. Then spoke to XXXX and XXXX and XXXX XX/XX/2019 concerning Internet service because that's the only account I have with XXXX. 

Also, to straighten out I didn't have a cell phone account with them that they had intermingled my Internet with someone's cell bill. 

They claimed it was corrected now a year later I get a bill for a cell phone that I never had and was cleared up in 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Like always, EXPERIAN in the WORST at actually " investigating '' ANYTHING. They NEVER actually look at ANY information you provide them. I am not even convinced they even CONTACT the so called creditors. They simply make notes on you credit report saying " Completed investigation, consumer disputes, meets FCRA dispute-consumer disagrees. '' On this particular case, XXXX   XXXX CONTINUES to make items as CO rather than included in bankruptcy or closed like all the other accounts with XXXX XXXXXXXX XXXX. Accout # XXXX. I have asked several times to have this CORRECTLY updated and again, the only thing I CONTINUE to get is " investigation complete ''. I havfe provided ALL the bankruptcy papers and documents, which CLEARLY the DO NOT even bother to look at EVER. EXPERIAN IS A SHAME AND FRAUD and I AM REALLY sick of FIGHT THEM!
Product: Mortgage

I contacted AAG about whether I would qualify for a reverse mortgage in XX/XX/2022. Worked with XXXX XXXX who stated he had many years of experience and would research comps in my area. XXXX XXXX called back stating I would qualify for reverse mortgage based on his research of comps estimating my home value @ {$430000.00}. Because of his advice and ongoing reassurances I proceeded with the application completing the appraisal and required counseling. The appraisal came in at {$370000.00} short of what I needed to qualify. I am now {$770.00} more in debt. Read the article from your organization about overinflated estimates to persuade borrowers to proceed with loan applications. Have tried to contact XXXX XXXX about this issue with no response & unable to contact supervisors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$510.00} According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was an XXXXXXXX XXXX at XXXX XXXX XXXX in XXXX. I was awarded a Washington XXXX need grant and a XXXX XXXX XXXX. During the last quarter of the semester, I was told by my XXXXt counselor that the math class was not needed to finish my degree. I was dropped from full-time to part-time. This was well into the semester. He withdrew me from the class, and I completed my XXXX XXXX XXXX in XX/XX/XXXX. 
As a result, XXXX XXXX XXXX  wants part of the grants paid back. I set up a payment plan, and have been able to pay {$970.00} at {$50.00} per month. Unfortunately, I lost employment in XXXX, became severely XXXX XXXX XXXX XXXX and had not been able to make the payments. 
On XX/XX/XXXX, I received an email extending a payment plan from XXXX XXXX XXXX  giving me until XXXX to enroll. I sent an email to XXXX XXXX on XX/XX/XXXX, the Account Specialist at XXXX XXXX XXXX XXXXXXXX XXXX requesting to restart the payment plan. I was informed that my account had been sent to the Williams and Fudge collection agency.

I have requested proof of the amount that is owed, which is incorrect. On XX/XX/XXXX I received an email from the collection agency with an incorrect amount being owed. XXXX XXXX XXXX and Williams And Fudge are charging me twice the actual amount of the grant that was awarded in XXXX and refuse to provide proof of how my payments were applied to the debt. XXXX XXXX XXXX sent out a system-wide email stating that an error had occurred, and students were accidentally being charged double what they owed. I never received confirmation that the issue had been corrected, so I'm being required to pay double. 
I want an investigation done on XXXX and Williams And Fudge collection agency for fraud. I do not owe this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was three unknown charges on my account. They wanted to verify if it was mine and that was correct it does not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been compromised. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is very insane. I have no clue who could of done this to me. Please remove these suspicious items from my report. 

XXXX XXXX XXXX  XXXX {$230.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, XXXX XXXX XXXX reported my account as 30 days late during a disaster relief period here in XXXX for Hurricane Harvy. I initially made a loan modification for 2 months when I had asked for 3, they refused but said to call them back if I was still having trouble at the end of 2 months. When I called them back they readjusted the loan payments and I began paying on the modified loan. I checked my credit report and found that they reported a 30 day late in XXXX. I called the company twice to fix this. I even contested with Experian and asked them to verify. To this day the late is still reflected and the company will not explain why they suddenly changed their policy to report me during a declared disaster period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 my account shows that it was past due. This is very inaccurate and I have contacted XXXX XXXX Bank about this late payment and I was told to call the credit bureau. I filed a dispute with the credit bureau and the inaccurate report is still being reported on my credit report.
Product: Consumer Loan

I was financed XX/XX/2016 for a XXXX vehicle for my son, a Dodge Challenger at XXXX XXXX in XXXX, Tx. My son have been driving this car nearly 45 days. The financial institution was Regional Acceptance Corporation we were preparing to make a payment this week and now we are told its not financed, all this time has passed and these people have been running my credit without me knowing which has dropped my score tremendously now I may not be able to purchase another vehicle since this has happen my score was XXXX now its XXXX. I gave them bank statements, income statements and award letters when applying for this vehicle. I went back too XXXX XXXX three weeks later because I started receiving letters from others financial institutions turning me down for the same vehicle the Financial Manager told me that I was approved and did n't know why that was happing and not to worry about it he also told me when the payment was due and again that Regional Acceptance Corporation whom I was financed with.
Product: Credit reporting or other personal consumer reports

I recently requested a quote from another insurance company due to the rising homeowners insurance rates in Florida. However, I was informed that they could not offer me the originally quoted rate due to a claim reported on my homeowners insurance. I want to clarify that no such claim was ever made by me. 

Upon disputing this with LexisNexis, XXXX responded by insisting that the claim was valid, stating that my inquiry about whether jewelry was covered under my policy was counted as a claim. This is incorrect. I never filed a claim ; I merely called to ask for information. In fact, one of the XXXX agents I spoke with confirmed that there wasnt even enough information to file such a claim. I specifically informed the representative during that call that I was not filing a claim, and she assured me that it would not be recorded as one.

This false claim has now resulted in my homeowners insurance rate nearly tripling from what it was XXXX years ago. I have filed another dispute with LexisNexis and am currently awaiting the results. In the meantime, I am unfortunately left with the burden of paying an outrageously high insurance rate due to this nonexistent claim.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account : XXXX XXXX  Number : XXXX in accordance with the Fair credit reporting act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Student loan

In 2018 i signed up for loan forgiveness program with XXXX. I was originally with XXXX. I saw the offer if you work for a public employer make 120 payments your loan will be forgiven. A few of my coworkers signed up. I filled out the necessary paperwork and submit the information. My information was approved my loans were transfer to XXXX in XXXX. I received welcome letters in XXXX. The way my account is setup is misleading on the account it states qualifying payments 0 and qualifying payments remain 120. It seem like i was enrolled in the loan forgiveness program. I made the first payment then waited with excitement for my numbers to change. When that didn't happen two weeks later i called. They stated that i did not qualify for the program without a clear explanation. If i didn't qualify i am not sure why XXXX took over my payments when they saw what i submitted before my loans were transfer from XXXX. Not sure if this is a poly to get business. I have been employed with the same city employer for 13yrs. I never received any notice that states i did not qualify or needed additional information.
Product: Credit reporting or other personal consumer reports

My first complaint is with Transunion on removing a collection that Cfpb investigated and the collection agency agreed to remove the collection. Transunion has not removed this after the collection agency asked them to. I have disputed it with transition numerous times and each time they keep it on.
Product: Credit reporting or other personal consumer reports

In accordance with the Federal Credit Reporting Act the following creditors have violated my rights : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CAPITAL ONE AUTO FINANCE - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.Code 1681 Section 602 states I have the right to privacy. 15 U.S.Code 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.Code 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I used a Pep Boys credit card that offered an interest-free payment program for one year if the promotional balance was paid off at that time. I did not say the entire purchase price just the promotional balance had to be paid off. ( {$990.00} ) vs. ( {$1500.00}. ) Once I paid the promotional fee I began paying only the minimum amount each month. This month I was hit with an interest fee of ( {$400.00} ) and am now told I had to pay the full balance and not just the promotional amount. That was never told or explained to me. I would have paid the entire balance if I knew that fact and would not have continued to make charges on the account. 
Pep Boys account XXXX underwritten by Synchrony Bank .
Product: Credit reporting or other personal consumer reports

This started in XXXX since the XXXX2024 and Ive been disputing this false information on my credit report and this company refuse to remove information that does not belong to me I am a victim of identity theft and also they data breach settlement with equifax my information was compromised and this is one of the accounts XXXX XXXX XXXX XXXX Under the 15USC 1681 they are also violating my rights as a consumer and violating the LAW which does not permit a company to report after 4 years this violates the statute of limitations. I have sent letters after letters. Still no results! All credit bureaus must also be in compliance with reporting information correcting! XXXX has already resolved the issue with this matter of account.
Product: Mortgage

Applied for a loan at Wells Fargo Bank. Locked in to a rate of 4.375 %. After I paid for the appraisal out of pocket, the mortgage representative stated : '' Unfortunately I have some bad news and I wanted to get it to you before I left the office this evening. When we had first taken the loan application the appraised value that was entered was based off of evaluations by pulling property profiles. Upon speaking to you regarding the conservative appraised value, I changed the number in our system to reflect a {$270000.00} value we had spoken about. The unfortunate news centers around the system not saving this new {$270000.00} value which in turn change the pricing. Today we received your appraisal. The value came back higher than anticipated at the number of {$290000.00}. When this information was entered into the system, it in fact did change the pricing which is making it so we would need to charge you, or decrease the cash back by {$1000.00} in order to get you in at 4.375 %. I have begun putting together a request to reduce this amount as low as we possibly can to keep you at the desired rate. ''
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Experian regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : XXXXXXXX XXXX XXXXXXXX ( # XXXX ) * Credit Limit Discrepancy : High credit reported inconsistently across bureaus ( {$1600.00} vs. {$1500.00} ). 
* Payment History Errors : Delinquencies reported incorrectly across periods with no corroborating evidence. 
XXXX. XXXX ( # XXXX ) * Credit Limit Discrepancy : Reported limit of {$2000.00} on XXXX vs. {$0.00} on Experian. 
* Payment Status Errors : Reporting of late payments inconsistent across bureaus. 
XXXX. XXXX ( # XXXX ) * Inconsistent Status : Marked as " Paid '' on XXXX but " Collection/Chargeoff '' on Experian. 
* Date Discrepancy : Last activity date varies significantly. 
XXXX. XXXX XXXX ( # XXXX ) * Payment Status Errors : Listed as " Paid '' but simultaneously " Collection/Chargeoff. '' XXXX. XXXX  ( # XXXX ) * Chargeoff Misreporting : Account listed as " Collection/Chargeoff '' with unresolved dispute comments. 
Violations of the FCRA : 1. 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information reported.

2. 15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation upon dispute notification.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : Obligation to delete or modify unverifiable information.

4. 15 U.S.C. 1681s-2 ( a ) : Prohibition against furnishers providing inaccurate information.

5. 15 U.S.C. 1681n : Willful noncompliance resulting in liability for damages, including punitive damages.

6. 15 U.S.C. 1681o : Negligent noncompliance with provisions of the FCRA.

I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being.

I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i.

Thank you for your assistance in resolving this matter. 
Sincerely, XXXX XXXX