23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a collection letter from progressive management systems in XX/XX/2023 XXXX a bill amount of {$420.00}. This is an incorrect collection letter stating I owe XXXX XXXX XXXX group money for which I have never been to this facility nor have ever seen any doctor from this facility. This is a fraudulent collection letter and does not belong to me. I did contact progressive management systems and filed a complaint stating this was a fraud, and they directed me to file a complaint also through CFPB debt collection.
Product: Debt collection

Hello, I received collection on my credit report. Before receiving derogatory on my account. Carpio partners never informed me of any debt, but instead sent me straight to collection. I sent mail but no response ; disputed using three agencies but always come back as verified. I dont remember owing any hospital cos I have insurance which covers 100 of my debt. I called today XX/XX/XXXX to request for debt validation to know when and how I got the debt. They informed me I wont be getting no debt validation which is crazy as even the so called hospital is unknown to me. I have no way of fighting this without involving the government to check this as consumer law rights was/had violated. I ask/plead with CFPB to request debt validation or how debt correlate to me in order to make a move on this account as my account already is on heavy identity theft and this could be one. I need a debt validation or have item removed from credit file as its messing up my credit report. Also I see XXXX law appear on credit report but different company called Capio partners. It becomes frustrating when you cant trace the cost of debt. If I own it why not prove it to me its mine? 
It was first sent XX/XX/XXXX and again repeated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing the Master Promissory Note ( MPN ) related to my student loan account, I observed discrepancies that raise concerns regarding the reporting process. The FCRA mandates that a financial institution, in this case, the loan servicer, must clearly and conspicuously disclose to the consumer, in writing or electronic form, that nonpublic personal information may be disclosed to a third party. The MPN does acknowledge this disclosure concerning the reporting to credit bureaus.

However, as stipulated in 15 USC 6802 ( b ) ( 1 ) ( b ), the consumer should be given the opportunity, before the initial disclosure, to direct that such information not be disclosed to a third party. Regrettably, I was not provided with the privilege to exercise this nondisclosure option, nor was there an explanation offered on how I, as the consumer, could opt out, as outlined in 15 USC 6802 ( b ) ( 1 ) ( c ).

I have attached a redacted copy of the MPN as evidence of my claim. On page 7 of 10, under section 21 regarding consumer agency reporting, it is evident that the document mentions reporting to credit bureaus while deliberately omitting the fact that I, as the consumer, had the option not to have my information reported, as required by consumer protection laws.

Considering these concerns and potential violations of the FCRA and 15 USC 6802, I request that you furnish me with a copy of the document demonstrating where and how I was given the opportunity to opt out of having my information disclosed without my written consent.

I anticipate your prompt attention to this matter and a thorough investigation into the inaccuracies and omissions outlined in this letter. I trust that you will take the necessary steps to rectify the reported discrepancies in my credit file.
Product: Debt collection

i, XXXX XXXX am victim of identity theft i have never open up any accounts or lease with HWARFIELD this is fraudulent under penalty and perjury that i victim of identity theft and this needs to be removed from all credit report agencies it is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX that my Transunion score had dropped by 50 POINTS!!!! Needless to say I was floores. I've worked VERY hard on getting my scores above 700 and havent been late on ANY payments. There was literally NO changes to anything. I called TransUnion and they couldnt tell me why it dropped. I called all my current creditors and there were no recent delinquent information ( in YEARS ) ... I also recently paid several accounts off. I did have an old XXXX account that was charged off ( years ago ) and Ive been paying them regularly and my score has went up A LOT since then. I even called them and they said they had t reported anything new either. I understand utilization and applying for new cards can make a score go down a bit ... but 50 POINTSSSS! and nobody can tell me why. Ive looked at my report ... NO new negative info. This makes me think all this stuff is a scam ... Im disappointed because Ive worked very hard on my scores and for it to be taken away is very disheartening. I pay on time for years and my score goes up MAYBE 10 points and then nobody can even tell my why my score dropped 50!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX ....
Product: Checking or savings account

Im almost done with college in my senior year. Ive been applying for jobs via XXXX and I was scammed with a person posing as a real company. I checked a bunch of information on this company and after two rounds of interviews I was sent a check after I signed a hiring contract. The check was bogus and contacted chase immediately. They said ok we need to wait for the check to return then we can open you a new account number so it will be safe. They opened me a new checking account and then I deposited money and did normal transactions that were the same as my previous account. They froze my account and flagged it for fraud! They took my funds and refuse to give me back my deposits or give me access to my account.
Product: Vehicle loan or lease

This has taken place on the XXXX of XX/XX/2024. They are telling me I have to pay {$250.00} every 14 days. I have explained I only get paid twice monthly and my payment is {$500.00} monthly. They told me that is not satisfactory and I need to pay more. I have explained to them the loan is being satisfied and I can not pay more. Only then I started being threatened by the company. 

CapitalCredit LLC Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax compiled my personal and confidential financial information, and the information of millions of others. Equifax had a duty of confidentiality regarding this information, to keep it safe, as consumers are not able to " opt out '' of Equifax in this modern financial era. 

Equifax breached this duty when they did not take measures to ensure they were not hacked. Equifax was, in fact, hacked, breaching their duty of confidentiality ; names, Social Security numbers, birthdates, driver 's license numbers -- all were made available to criminals due to Equifax 's negligence in not providing sufficient security when there have been recent hacks into the financial files of many large companies. Further, Equifax withheld informing consumers of this hack for an unreasonable amount of time. 

Upon checking Equifax 's webpage, I received the following notice : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed information that was to be removed within 4 day by XX/XX/XXXX Equifax had closed and denied the dispute without contacting me. They also re-added information to my credit profile that had already been deleted and the proper documentation needed had been previously submitted. To resolve the issues I spoke with XXXX # XXXX with on XX/XX/XXXX @ XXXX. Today is XX/XX/XXXX @ XXXXXXXX XXXX and Equifax still has not corrected the errors. In this event they do not have 25 days to respond because they already had all of the correct supporting documentation and my account was noted prior to XX/XX/XXXX. They have failed to correct the record in the time frame allowed by law. 

From Equifax : Confirmation # XXXX Dear XXXX XXXX, We completed our review of your request to remove information from your Equifax credit file due to the information being the result of human trafficking. For the reasons stated below, Equifax has declined your request and has not removed information from your Equifax credit file : To determine the outcome of your request, Equifax reviewed your request, the accompanying documentation, the requirements of Section 605C of the Fair Credit Reporting Act, and the items reporting on your Equifax credit file. Equifax also attempted to resolve the deficiencies with your submission by sending you two notices, but we did not hear from you or you were not able to resolve the above issues in enough time to complete your request. If you have questions about the outcome of your request, wish to appeal the outcome, or want to submit a new request with the completed documents, contact us at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To submit a complaint to the Consumer Financial Protection Bureau, visit consumerfinance.gov/complaint. If you need other assistance with your Equifax credit file, contact us at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX or visit us at equifax.com/personal/credit-report-services/. Thank you for the opportunity to assist you. Equifax Information Services LLC The appropriate documentation was uploaded at the time of the dispute and therefore was sufficient to have the adverse information blocked within the 4 business days according to 15 U.S.C. 1681c-2 and 3. Additionally, this information above was already once requested and blocked and as of XX/XX/XXXX has been added back to the credit report, this is also a violation of 15 U.S.C. 1681c-2 and 3.

Please block all of this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act and 22 U.S.C. 7102 ( 11 ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.

Please send me a notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

I paid XXXX with my Citi card for a purchase from a company called XXXX XXXX XXXX XXXX. This was on XX/XX/21. I asked repeatedly when my order would ship, they kept emailing me saying next month, next month, etc. ( I already purchased these products elsewhere, they are available from hundreds of retailers ). Clearly, they weren't sending anything and was a scam. Asked to cancel multiple times, they refused. I disputed this with CIti, they said it was a legit charge because I couldn't prove they didn't send anything. I have no idea how to do that? That's why I filed the dispute. A company took my money almost seven months ago, no product, no service, and no refund. 

Sadly, we were customers for 10+ years, tens of thousands spent through Citi XXXX never late on a bill once, not ever. And I had to cancel our account because they literally allowed a fraudulent company to steal {$35.00} from us. They did so willingly, and helpfully.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I conducted a consumer credit transaction with XXXX XXXX XXXX XXXX which claims to help improve and/or boost a consumers credit score. This type of transaction required a finance charge which was the sum of all payments including the ones I initially made and the payments in the future. Once I discovered this I reached out through email to inform the of the firsthand knowledge I had discovered but there was no understanding. After they had gave me false and misleading representation of the facts at hand I was deceived to believe I should lousy close the account so I did so. Then some time later i got a experian account to check my credit scores and this transaction was reported as closed. The problem is that I covered the finance charge on the extension of my credit and through the finance charge which covered the whole loan their is supposed to be a 12 month positive on time payment history never late but its not reporting as so. I tried to dispute thus with them through experian but I got no results at this point I would like to sue for the fines of all the violations committed
Product: Checking or savings account

Citibank Claim # XXXX In XXXX of 2023 fraud was committed on my Citibank checking account and my account was compromised. Individuals were able to sign me up for 'Wire transfer services " and made a withdrawal of my funds. I received a phone call from Citibank Fraud unit asking me if i made those transactions and i clearly told them no, i also received emails from Citibank regarding the transactions and i replied to the emails stating that i did not make or approved those transactions. I tried numerous times to resolve the matter for a few months now, over the phone and in person at my local branch. The managers at my local branch tried the best they can but they can't seem to get an answer either. My account that was compromised has been locked and the only way I can see an update on the case in to go in person to my local branch and have the manager log into my account. This should've been resolved months ago and Citibank is not doing their part for a customer like myself who has been a client for over 40 years, this has caused a lot of inconvenience as well as pain and suffering. To ad insult to injury, I was advised to open up a new checking account so when the matter gets resolved when my funds are returned they can go into my new checking account, however I receive calls every morning from a similar number as the fraud unit only to collect on Overdraft fees since the new account i was forced to open has XXXX funds in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info PO BOX XXXX XXXX, FL XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Check Cashing Service Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX All theses inquiries wasn't use with my consent I want them all removed
Product: Student loan

Navient has been harassing me I have a private loan with them and it started at XXXX and its now at XXXX and the options they offer me the forbearance they told me to take them ans I did not know it would balloon up on XX/XX/XXXX I sent them a cease and desist letter to have them stop calling me I would only stick with written correspondence. Well on XX/XX/XXXX they started call me I spoke with a supervisor XXXX his code is XXXX and he told me he did receive it I told him that according to the Fair debt collection practices act that he was violating it by calling me and he told me that according to state law he can call me
Product: Credit reporting or other personal consumer reports

Complaint # 1 : Equifax reports inaccurate data. I never filed for Bankruptcy protection. My Equifax reports 1 public record that Does Not belong to me, and it was a same-name mixed file for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy discharged, Original filing date AXXXX XXXX, XXXX?? 

Complaint # 2 Equifax reports inaccurate data. XXXX XXXX  ( CLOSED ) ( NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status UNAVAILABLE Available Credit?? 

Complaint # 3 Equifax reports inaccurate data. XXXX XXXXXXXX XXXX CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Available Credit?? 

Complaint # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( CLOSED ) account 's reported balance?? NOT AUTHORIZED-FRAUD ) Complaint # 5 CXXXX XXXX XXXX ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX XXXX Reported Balance {$9900.00} Account Status CHARGE_OFF?? 

Complaint # XXXX XXXX XXXX ( CLOSED ) NOT AUTHORIZED-FRAUD ) Account Number XXXX Reported Balance {$0.00} Account Status OVER_120_DAYS_PAST_DUE Available Credit {$0.00}??
Product: Checking or savings account

Credit Karma XXXX account has a hold on XXXX transactions for 7 business days. 
All of those transactions paid within 24 hours of the card being swiped. 
Because of this, a credit card payment was reversed ( insufficient funds ) and my holiday spending money is technically gone. 
Due to the hold my available balance is less these XXXX transactions that have posted and paid. 
I was assured this would be fixed and I would not have any issues with the paid bill due to their system error It is now day XXXX since I have inquired, daily, and I am getting the runabout. 
I should have a XXXX digit amount in my account and currently have a negative balance DURING THE HOLIDAYS. 
On top of that, I know have to pay a fee for a returned payment with a bill that was paid from the account where WERE sufficient. I have been given the total runaround. No one is willing to help. I just spoke with a supervisor who continued to repeat funds on hold for 3-5 days. It has been 7. 
Once my funds are returned to my account, Im canceling and telling everyone that will listen how unhelpful and disheartening this company is when the error is theirs. 
This is my money from my paycheck, I keep clear track and being treated as if I am unintelligent and this is not their problem. 
As someone who lives check to check, and its XXXX, I have never been this downhearted.
Product: Consumer Loan

I purchased a XX/XX/XXXX Ford Explorer XX/XX/XXXX. I had XXXX for the first year of payments and then was transferred to Santander for the remaining. I paid my payments for a total of 7 years on a 6 year loan and ever time I would think I was going to pay it off I would still owe {$3500.00} to {$4900.00} dollars. I tried to call them and ask them how this is and how I still owe this amount and they were really rude about it and would n't give me an answer. I paid a total of {$42000.00} dollars for this truck that 's worth about {$2500.00}.
Product: Money transfer, virtual currency, or money service

Cash app couldn't provide me with a live customer service agent
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX should not be reporting on my credit. XXXX XXXXXXXX XXXX has violated 15 USC 1611. By providing false and inaccurate information using charts or tables to understate annual percentage rates. XXXX XXXX intentionally and knowingly violated my rights as a consumer. And due to XXXX XXXX Bank violation I want this account removed from XXXX and Experian credit report. Also there were unauthorized charges and per FCRA 605B as a consumer I can block this account from my credit file due to fraudulent charges and unauthorized transactions.
Product: Credit reporting or other personal consumer reports

I just want to file a claim, I had a finance car accident. I brought the car to XXXX and XXXX insurance did not want to fix the car. Now Capital bank got the car, and the come after me instead the insurance company, they sent everything to my credit report.
Product: Debt collection

I did not receive documents from the original lender, the original would not respond because the account was sold. 
After many calls to the collection agency, I then wrote a letter. They refused to supply me with any documentation before I made a payment.