23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Child was taken to XXXX XXXX XXXX XXXX XXXXXXXX XXXX their XXXX XXXX center in XXXX XXXX XXXX Florida XXXX XX/XX/year>. I paid my copay of {$75.00} in person at the time services were rendered as I do with any medical office I visit. About a month later I receive a bill saying I still owe the {$75.00}. I call, send in my credit card statement showing the payment on the date of service. This back and forth has continued for a year and half- they keep sending a statement, I call, they tell me yes you should not be getting a statement, we see you provided your proof of payment, they tell me not to worry about XXXX the matter is closed. The obvious issue is that when I paid in person the employee at the desk posted it to another account which is why I even included the transaction trace number so they could fine where the payment went. Presently, in XXXX they have now sent me to collections called Frost-Arnett XXXX for a paid service. I have already disputed and submitted the same information to them and now its the same thing over again where they just show the unpaid statement of my account even though I show my credit card statement with the transaction trace of {$75.00} on that date of service. At this point I feel this is harassment. I have asked multiple times for a supervisor no one gets on the phone. I have emailed my proof multiple times they say they have yet no one resolves the issue. I pay all my bills and this was something that was paid for. I feel like I should pay it twice just so they leave me alone but on principal I wont. It will be two years in XXXX that I have had to go back-and-forth with someone about {$75.00}, it is ridiculous. There are pages of notes on the account probably recorded calls and probably video of in person payment that the original provider has yet they will not resolve the issue because they can not find where my {$75.00} payment went which is not my problem.
Product: Debt collection

This company calls multiple times a day and will usually leave 1 voice mail message. On XXXX XXXX, XXXX at XXXX and XXXX, XXXX XXXX, XXXX at XXXX and XXXX and on XXXX XXXX, XXXX at XXXX and XXXX the company left voicemail messages at the same telephone number multiple times in 1 day. I have kept these voicemails as evidence of the violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of my identification, which is a felony. 

punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX2023, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined.

under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result. Below are the Inquiries to be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXXXXXX : XXXX As a consumer by law, this account must be deleted immediately.
Product: Mortgage

XXXX XXXX refi@ 2.8 %, payoff @ {$66000.00} + fees = XXXX. 
To close approx XXXX Credit @ XXXX XXXX rec XXXX XXXX Chase offer@2.9 & NO fees for {$68000.00}. Expect 2-4 wks to close. 

XXXXec mortgage commitment letter XXXX, XXXX followed up XXXX toldexpect closing 1-2 wks XXXX through XXXX various calls and info sent XXXX XXXX XXXX  preliminary closing received XXXX closing disclosure in mail. 

XXXX? hold up, rep says just got condo info otherwise completed Various calls to rep. Due to delay XXXX missing back page insurance /walls in coverage from XXXX. Emailed them info myself XXXX rep says no deal due 2 income to debt ratio. 

False and verified with XXXX. 
Also : originally with Chase for {$74000.00}. Never late payment ( @ higher rate and less income than now ), & no other debt. 

Now rate increased to 3.1 due to delay by Chase.? either non-competent or 2.9 % with no fees are a come on. 
Detailed reason requested with no response. They cause me yo loose .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a commercial equipment lease was opened with XXXX XXXX for 2 commercial refrigerators for XXXX XXXX DBA/ XXXX XXXX XXXX  XXXX. 

The account came 30 days past due in XX/XX/XXXX, The account was reported on my personal credit report file as 30 days past due for a personal auto loan. 

At this time the account is current with no past due amount. 

I am requesting that the credit report file be removed because I did not take out a personal auto loan with XXXX XXXXXXXX, also this is a commercial loan and it should not be reported on my personal credit file. This should be reported on the business credit report file. I've attached a copy of the original commercial lease agreement for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account # XXXXXXXX XXXX # XXXX and XXXX XXXX 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 a account without my written instructions.
Product: Debt collection

The debt relates to an XXXX & XXXX XXXX  bill. Original amount owed : {$250.00}. Settled in full for {$160.00} XXXX XX/XX/XXXX ). 

I was contacted by XXXX XXXX XXXX about this early this year and I settled the account with them and it was considered PAID, SETTLED IN FULL, on XX/XX/XXXX. 

In XXXX I received a notice from a second collection agency, I.C. SYSTEM, making demand for the balance ( {$90.00} ). 

I called I C System and sent them proof that XXXX XXXX agreed to a reduced settlement. 

Today I received another notice from I C System, demanding the unpaid balance, claiming that I still owe it. 

This is affecting my credit. Both these companies have used deceptive tactics with me. I paid once, and I have a letter saying it was settled. Why should I now have to deal with yet another collection company. They won't talk to each other and they are not accepting the proof I sent!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally p

rotected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I started my home process With Tactical Mortgage. 
I was approved for XXXX My was for a 30 year Fixed FHA Loan I was advised to put down {$10000.00} Due Diligence fee. 
Up until underwriting I wasn't told I needed anything to put down towards closing. 
I kept asking and was advise that they are still running numbers to give me an amount. 
Two weeks before Closing I was advised that I needed another XXXX for closing. 
I responded and ask why and that I'm confused on why I have to put down so much more at such a short time frame. Then was advised that XXXX is durable and can work something out I also advised it was impossible and the agent ask if I could at least come up with XXXX. I said I can try. I manage to come up with XXXX the week of closing. 
To find out that they terminated my contract and I loose my house and XXXX I put down. After speaking with other loan companies. I was advised that with my income alone I should have never gotten approved for the amount of the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I communicated with credit bureaus, Transunion XXXX and XXXX  on XX/XX/2019 Bureaus never responded as of today date XX/XX/2019, see attached letters part of complaint to XXXX XXXX XXXX, lack of attention on my account for their benefits damaging my card in bad faith, as I advise XXXX previously on my emergency situation XXXX ignore as usual this is the second time XXXX  causing me troubles to harm me cancelling cards, after payment made As a note on a previous Credit Card from XXXX, was paid {$300.00} as XXXX advise XXXX close my account after we had an agreement XXXX XXXX me {$300.00} and not investigation made by your office to clarify this abusive practice by company pending for investigation I would like this matter to be address.
Product: Student loan

From XX/XX/XXXX -XX/XX/XXXX I attended XXXX XXXX XXXX University (XXXX). During my time at XXXX, I was extended private loans from the university that totaled $XXXX to help with my XXXX debt. I returned to XXXX through XXXX for XXXX XXXX.My first payment (following Grace) was due on XX/XX/XXXX, and I have diligently made monthly payments on my loan since then.While the loan has long been serviced by ECSI -- which was acquired by Heartland Payment Systems in XXXX  (XXXX).Recently, Heartland/ECSI updated their website and payment systems for all online payments. Previously under ECSI, all student loans payments could be made by making a "direct payment" from a checking or savings account without incurring a fee. I have elected to receive electronic correspondence from  Heartland/ECSI, so I would always make a payment after receiving an electronic notification of a bill.However, after recently Heartland/ECSI updated their website and payment system in XXXX/XXXX to expand the number of ways they can charge debtors service fees.Previously, debtors could make a one-time payment from a checking or savings account without incurring a fee. Now, Heartland/ECSI charges a $XXXX service fee to make a one-time payment from a checking or savings account (while strangely waving the fee if the payment is set to re-occurring).This seems to be an unfair manner in which to try and extract additional service fees from consumers.
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. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In 2015, I cosigned on an auto loan for my adult daughter who lives at a different residence than I do. The payments were made through autopay. The lender, Santander automatically withdrew money each month from my daughters account. Not surprisingly, the last payment was a slightly different amount. 

Santander did not auto draft the very last payment ( I have no idea why ). They did not inform me or my daughter that they were not taking the last payment. My daughter assumed it had been done. 

I was unaware there was a problem until I received notice that my credit had be severely impacted. My daughter contacted Santander and made the last payment. I have never missed a payment and have never had my credit downgraded. We solved the problem as soon as we were made aware but Santander did not notify us of the problem. Santander refuses to recognize their mistake and correct my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1666b - Timing of payments XXXX XXXX you are in violation! It is evident you have violated this entire section.

You have failed to comply with this section 15 U.S. Code 1666b and I am demanding you to correct all your errors, you have broke the law!
Product: Credit reporting or other personal consumer reports

The ACCOUNTS listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

In Accordance with the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my instructions under 15 USCS 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 reporting or other personal consumer reports

Experian keep reporting the wrong personal information. They keep reporting an address that I have not lived there before that needed to be removed which is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Az XXXX. I never lived there at all!
Product: Credit card or prepaid card

I have a two Chase Accounts. One the payment is due on or before the XXXX of the month and is paid by me on the XXXX of each month and there is no problem. However the other Chace account is due on the the XXXX of each month. I pay this one on the XXXX of each month as well ( early ) The Chace account that is due on the XXXX charge a late fee if you pay early. Most credit cards if you call them and let them know that you were not late and it is in the companies error, they will credit your account the late fee as you are on the phone talking. Chase does not do this. Chase wants your late fee first and then credit you later. I believe this is totally wrong as a consumer and it is penalizing the consumer that pays early or on time. This has happened twice so far the most recent today on XXXX XXXX, 2017. the last one was XXXX XXXX 2017 I believe. We have talked to a representative and they will not credit the late fee of XXXX. I would like this looked into for others that are having the same problem, Sincerely, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was cancelled by XXXX college in XXXX MD for non attendance due to student XXXX  XXXX with online classes. And has billed the student for the loan amount. 

The college has returned the loan amount to the department of education for non attendance due to XXXX XXXX with online courses. 

XXXX is reporting that loan debt on credit report which is inaccurate information due to the fact that the loan amount was return by the college.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I was impacted by the Equifax hack, and my husband 's laptop was stolen, I want to take steps to make sure my identity isn't stolen. When I tried to get my free credit reports from XXXX on XX/XX/XXXX, it asks for my full social security number, which I didn't want to give, since the hack of Equifax exposed social security numbers. I tried to find out if I have a freeze on Equifax, but they wouldn't tell me without giving my full social security number when I called them on XX/XX/XXXX. I was able to verify my freezes with both XXXX and XXXX  without revealing my full social security number. Is there a way to around giving both XXXX and Equifax my full social security number?
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 the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, financial institution, and Zelle fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers has also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX XXXXXXXX and lvnv llc still reporing on bothn XXXX stop calling
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found that a company by the name SPRINGOAKCAP is reporting an account that isnt my account on my credit profile. The original creditor is said to be XXXX XXXXXXXX XXXX XXXXXXXX. I have never opened an account with either of the companies above. I asked for this information to be validated as MY DEBT. No information has been sent to me verifying that this is my debt. Also, there is no information about this account as far as payment history on my credit report. It says the account was opened XX/XX/year> and I did not open an account with either of the two.
Product: Mortgage

I closed on a new mortgage in XXXX. Several checks were issued from the cash out refi to pay off debts. As of today, XX/XX/XXXX, I contacted Rocket Mortgage regarding one of the check that was issued in the amount of {$2800.00} to XXXX/XXXX. I sent the payment to this company on XX/XX/XXXX. After much investigation they said it was returned from their bank as it needed to be issued to : XXXX  - XXXX XXXX XXXX, or preferably sent electronically. I contacted Rocket and spoke to many people including XXXX  via chat who stated they will not change how the check was issued. I asked them to contact the company even to verify and they will not. I said so basically Rocket will not pay me or the company correctly yet I am supposed to pay on this mortgage for funds that were not actually disbursed. I was disconnected without any further help. What am I supposed to do now??
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Credit card

The credit card XXXX XXXX XXXX XXXX XXXX. A consumer credit transaction in 15 USC 1691 defines Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit. Application number is XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.