23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian is the only credit agency that has not updated my credit report or score since XX/XX/year>. Ive tried calling several times, but no one will not take my calls. I just keep getting the automated system. I tried several phone numbers and the system will not transfer me to a live agent I have gotten hung up on thru their automated system And I wasnt able to have my credit score updated and Im in the process of buying a home and my lender cant even pull my credit credit score or report because Experian wont allow them to access my credit score and my credit report isnt even locked or anything, but Experian will not update my credit score so therefore I cant get a home loan. I have verified my identity through their verification site by sending in a copy of my passport and a utility bill but my credit score hasnt been updated not even yet and I wasnt still able to get in contact with a live agent over the telephone this is unfortunate and unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. 

In accordance with the Credit Reporting act XXXX XXXX  Account XXXX XXXX, has 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: Credit reporting, credit repair services, or other personal consumer reports

I enrolled into XXXX XXXX at the XXXX XXXX location. I signed up for medical billing program around the year XXXX. I was told I was approved for complete financial aid since I was a XXXX XXXX and had no income. The grant was suppose to be approved for the program which was XXXX in XXXX XXXX. Then I found later that the school was closed permanently due to fraud. I tried contacting the school about my program and certification upon completion. It was unsuccessful, since then I have never received any notification about the closer or XXXX about my certification they had promised and was unsuccessful finding a job. I also found out they have taken out not only federal loans under my name they also made extra personal loans which now I never agree or benefits from these loans. I am a victim of fraud from XXXX XXXX.
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 : BARCLAYS BANK DELAWARE Account number XXXX, Account name : XXXX XXXXXXXX Account number XXXX, Account name : XXXXXXXX XXXX Account number XXXX, has 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 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: Credit reporting or other personal consumer reports

Im filing this complaint because Equifax reinserted an account ( XXXX XXXX ) on my credit report without notifying me, which has negatively affected my credit score and caused unnecessary stress. This is a violation of the Fair Credit Reporting Act ( FCRA ). XXXX XXXX failed to notify me within five business days of the reinsertion as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and they did not provide the required certification of accuracy under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). Additionally, they failed to conduct a proper reinvestigation of the dispute, as required under 15 U.S.C. 1681i ( a ). The reinsertion also appears to have been done without verifying a permissible purpose, violating 15 U.S.C. 1681b. Despite submitting identity theft documentation, XXXX XXXX failed to block the fraudulent information, violating 15 U.S.C. 1681c-2. They also failed to meet their responsibility to ensure the maximum possible accuracy of my credit report under 15 U.S.C. 1681e ( b ). These actions demonstrate both willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. I demand an immediate investigation, the permanent deletion of this account, and written confirmation that my rights under federal law will be upheld. Noncompliance will result in legal action, seeking damages of {$1000.00} per violation, as permitted under the FCRA. Thank you for your prompt attention to this matter.
Product: Debt collection

I was a XXXX TV customer then was changed to XXXX. They were so bad I cancelled the service and paid a balance due of {$150.00} on XX/XX/XXXX, I spoke  to a person named XXXX. Apparently, between the time XXXX credited my account they charged me {$59.00}. I received a letter dated XX/XX/XXXX claiming I still owed {$59.00}. On XX/XX/XXXX I called and spoke to a person named XXXX who told me I owed {$5.00}. I then received a collection letter from Credit Control Corp. on XX/XX/XXXX that I owed {$59.00}. On XX/XX/XXXX I contacted XXXX at Credit Control and attempted to explain what happened but she was so confused I hung up and decided to contact the Consumer Finance Department to help.
Product: Money transfer, virtual currency, or money service

I XXXX {$800.00} for a XXXX XXXX puppy then I XXXX  an additional {$150.00} for the shipping from my bank. I received an email indicating that it was a fraud/scam and contacted my bank. The money hadnt even come out of my account and they said they could not stop it. Money left my account 24 to 48 hours after that and went to the person I bought the dog from. The dog was a scam and the person I bought it from said that they would refund my money and as of now I have no dog and no money and the person is no longer returning communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my consumer report I have never signed or had a contract with Wells Fargo but I seen damages and harm to my consumer report after seeing an account Wells Fargo has been reporting thats false and inaccurate information to my consumer report I spoke to Wells Fargo reps on about the XXXX of XX/XX/2022 the names are XXXX, XXXX XXXX And XXXX gave me a case number XXXX XXXX XXXX Executives intake.. 
The account thats being reported is affected my personal life and violates my rights as a consumer
Product: Debt collection

I visited XXXX XXXX XXXX and paid what they said I owed at the time of my visit last XXXX. Since my visit, I have received bills stating that I owe more, which I won't pay since I have already satisfied my payment. They've " decided '' that I should pay more " just cuz. '' I had no insurance during my visit, so my payment was over a XXXX dollars. I do not have a copy of my payment, but they should have it on their computer. 

Also, I am confused about the nature of the bill " XXXX XXXX '' because I did not have x-rays. The visit was for XXXX, which doesn't require x-rays...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  has a hard inquiry on my XXXX credit report on XX/XX/XXXX that I do not recognize.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct an error made by a credit repair company which submitted a fraud report to Santander and caused them to stop reporting my account to the credit agencies. I have called the credit agencies and Santander to fix this. Santander has determined that they would not resubmit my account to the credit agencies due to the false fraud report.
Product: Payday loan, title loan, personal loan, or advance loan

I took a small loan out from a company called Uprova ( online - www.uprova.com I did research to find out they are owned by XXXX - which is owned by the XXXX XXXX XXXX XXXX XXXX CA- which is a Tribal organization ). 

They do not disclose interest rates, and it is difficult to find those, but what they do is provide micro sized loans to try to go under the radar, and then they charge exhorbitant criminal interest rates like 550 % a year. Then they refinance the loans to add to the problem.

I took out my first {$2400.00} loan with them in XXXX and have repaid thousands in interest without realizing the rates they were charging until today.

In my current refinanced loan, it is for {$2400.00} and the effective interest rate is 559 %.

When I realized what was happening I called into the
company today, XX/XX/year> at XXXX XXXX  PDT ( with XXXX  - ID # XXXX ) and then a Supervisor ( XXXX, he hung up when I asked his ID # ) called me back at XXXX XXXX PDT I told them I wanted to loan cancelled and their funds taken back and no further payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX, when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX  who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX  and unable to pay off any of these loans.
Product: Debt collection

I received a call from an american debt collection agency for a credit card debt I owe in XXXX, which I am paying back quite regularly, according to my financial possibilities. This company wanted to get personal information from me over the phone, like the amounts owed. 
Somehow they were able to pull off some of the credit from XXXX, but I never received any official communication from XXXX that they would transfer the debt in XXXX to this company in USA. I then received so far three letters asking me to repay in one solution a sum that is more than XXXX USD higher than my entire original debt, and it has been more than a year that I have been paying the debt back. As I said, I am currently paying the debt in XXXX and I can prove the transactions made to the creditor company in XXXX. This self-proclaimed debt collecting company, RMS, seems to be a scam because of the grossly wrong amount they are asking me, because I never received any official written communication from XXXX about them taking charge of my debt, because they appear to be unaware of my personal information, except my phone number and home address and some old credit card statements, because their physical address is a P.O. box, and the website they report in the letters they send me did never work at all, showing a blank page with a 404 error and it seems nonexistent. Additionally, googling for their name it comes out that they appear to be a scam organization, and some other consumers reported a companys physical address being in XXXX, while the address in my letters is XXXX, OH. They seem, act and feel like scammers. What can I do to let them stop?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX Credit Card. 

I have been reported by XXXX for Late Payment ( Missed Payment ) to the Credit Bureau which has caused my Credit Score to drop significantly. 

I was reported to have missed XXXX payments. 

My Due Date for the First month was XX/XX/XXXX. 
I made a payment on XX/XX/XXXX towards my balance. 
My statement date for the next billing cycle was XX/XX/XXXX. 

I was expecting that this payment will go towards my next billing due date : XX/XX/XXXX. 
However, it was not. 

XXXX reported my account as having missed XXXX billing cycles. XXXX for XXXX ( XX/XX/XXXX ) and the next one for XXXX ( XX/XX/XXXX ). 

This has caused my Credit score to drop.

I have spoken about this to them as well.
Product: Bank account or service

Wells Fargo Bank transferred by Health Care Savings Account Optum with no prior notification to me of doing so. I have $ XXXX that is basically missing with no knowledge of how to access these funds or ability to verify the funds are still in my name. 

The funds were removed from my XXXX on XXXX and I noticed on XXXX a XXXX balance in my online account. I acknowledge that when contacting Wells Fargo, they have a recording notifying customers of this transfer, however this is the first I heard of it and I did not have the ability to opt out of this transfer to choose an alternative source to manage my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is showing i owe them {$1500.00}. this account is not my account. I have Ask XXXX to provide the sign contract agreement that i supposed to sign. They wasnt able to provide proof of contract. I need this accound removed from my credit account. 

Date XX/XX/2014 XX/XX/2014
Product: Debt collection

XXXX XXXX " PatientFi '' continues to call me almost daily and send text messages, emails claiming that we have a debt approximately $ XXXX. Whenever I try to call the number it asks me for my account number and I don't have an account number with them as I do not know how who they are. They then ask me for my social security number. I informed them that I will not provide this information but the debt they are claiming is unfamiliar to me and I have not received any sort of Collection Agency notice if this debt was truly mine and/or overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a repeated problem with this company and this creditor. I have filed numerous complaints of errors gravely effecting my credit report. Account was charged off in XXXX not XX/XX/XXXX.
Product: Student loan

I've tried on more that one occasion to do a service cancellable loan and each time that i'vover XXXX e applied I have been told that i don't qualify. I've been XXXX  more that 20 years and i would like to retire one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Financed auto mobile XX/XX/XXXX All payments made and listed current until XX/XX/XXXX. XX/XX/XXXX Payment made XX/XX/XXXX payment reversed and returned without cause or notice XX/XX/XXXX account listed as 30 days late. US bank was notified removed late charge fee did not remove 30 days late from credit report or explain the reason for payment reversal. XX/XX/XXXX Notified US Bank of discrepancy XX/XX/XXXX again notified US BANK of discrepancy still mo change XX/XX/XXXX again notified again no change.
Product: Vehicle loan or lease

I have a car through US Auto Sales and I purchased and XXXX XXXX XXXX extended warranty and also GAP insurance on this vehicle and they went out of business in which they sold our contracts to a debt collector which is Westlake portfolio management LLC . I still have XXXX miles left on my warranty and my car has broken down needs a timing chain which involves the motor. And Im told theres nothing to be done because my contact didnt go over with my warranty or anything but they want me to pay for it anyway.
Product: Mortgage

I signed up for a 15-year mortgage back in XXXX and my Maturity date for this loan was XX/XX/XXXX. I spoke to XXXX who work for the company last XX/XX/XXXX about this matter and stayed on the phone about XXXX hours concerning this matter. She said to me that XX/XX/XXXX would be my last payment and that she would have them fix this. I have been getting statements stating that I owe XXXX or less then when my Maturity date comes my loan jumps back up to XXXX this is insane. I have requested the original copy of the loan, and no one can seem to get it to me. This loan should have been paid off XX/XX/XXXX. Please help me get this straight because every time I call Truist no one can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

REF : XXXX XXXX XXXX XXXX XXXX I CORRESPONDED WITH THIS COMPANY ON XX/XX/23 THEY HAVE NOT VALIDATED OR VERIFIED THIS ACCOUNT OR GIVEN ME ANY REASON TO BELIEVE THEY HAVE THE RIGHT TO BE REPORTING MY INFORMATION I DON'T HAVE A CONTRACT WITH THIS COMPANY OR THE ORIGINAL CREDITOR. 
THEY HAVE NOT SENT ME ANYTHING I MADE A COMPLAINT ALMOST 30 DAYS AGO WHICH THEY HAVE NOT RESPONDED TO EITHER PLEASE DELETE THIS ACCOUNT IMMEDIATELY FOR NOT VERIFYING OR VALIDATING THIS ACCOUNT OR RESPONDING WITHIN THE 30-DAY INVESTIGATION PERIOD BY LAW THEY HAVE TO DELETE THIS ACCOUNT FROM ALL XXXX BUREAUS WHO ARE THESE PEOPLE I'VE ALSO RESEARCHED SOME CONSUMER LAW AND THE GRAMM LEACH BLILEY ACT ON THE FC WEBSITE THEY ARE IN VIOLATION OF AT LEAST 10 CONSUMER LAWS AND SUBJECT TO PAY XXXX IN FEES TO ME THE CONSUMER. 

I'VE ATTACHED THE COPY OF THE INITIAL DISPUTE SENT ALONG WITH THE TRACKING NUMBER THAT THEY RECEIVED IT OVER 30 PLUS DAYS AGO
Product: Credit reporting or other personal consumer reports

There are several personal information items incorrectly reported incorrectly on my credit report.
Product: Student loan

On XX/XX/XXXX, I made the minimum monthly payment due XX/XX/XXXX of {$620.00}. I have ten different subgroups within this loan. I pay extra on 2 of the ten loans due to interest rates, so the due dates tend to be pushed back further than then rest of the groups. 

On XX/XX/XXXX, I logged into Nelnet to make my extra payments on those two loans and noticed my account shows I still owe {$430.00}. When I drilled down into my loans, Nelnet allocated my XX/XX/XXXX payment towards only 4 of the 8 subgroups, thus pushing back the due date for those loans to XXXX of XXXX yet keeping the remaining 4 subgroups due on XX/XX/XXXX. 

On XX/XX/XXXX, I called Nelnet during my workday and waited on hold for over 2 hours to be connected with a representative, XXXX. The representative had no explanation as to why this happened or how. Their only suggestion was to " file a form '' to reallocate the payment. There is no tracking number or work ID number for me to reference if I have to call back in on this. I was then told that it was a 3-4 week process to correct this mistake from Nelnet, which puts me right at the due date of the payment I already made. 

Due to Nelnet 's incompetence and negligence, this would increase my monthly payment from the {$620.00} ( which was already paid ) to {$1000.00} if I want to make sure I don't have a late payment and accrued interest on my record. 

This is completely unacceptable to require borrowers to take hours out of their workday to try to correct Nelnet 's mistake only to receive no solution and no way to track that the conversation actually happened. The service level is obscene when people 's credit, budgets, and interest accrual are on the line. I have no faith in this financial institution to correct this problem moving forward. 

I would like my payment reallocated in a timely manner ( within one business week ) and I would like all interest frozen while Nelnet works to correct their mistake.
Product: Debt collection

Debt was incurred after my annual liability under an HMO health insurance plan had been met. The insurance company has told me the claim was adjusted and this is not my liability. The provider 's billing service continues to send invoices to me and now has turned the debt over to a collection agency. After multiple contact to the provider, billing company and the collection agency with documentation supporting my position, they still continue to send me attempts to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent them information about inquires that are not mine they just left on there XXXX XXXX equ
Product: Credit reporting 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 the 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 that 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 XXXXXX/XX/year>
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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.