23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The issue starts with XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, failing to honor the contractual agreed upon max fees allowed on services rendered for XXXX & XXXX services. 
XXXX XXXXXXXX XXXX is a preferred provider with my primary insurance carrier, XXXX XXXX ( XXXX XXXX ). 
XXXX XXXXXXXX XXXX has since sent their improper accounting information to Southern Credit Recovery XXXX XXXX XXXX LA XXXX. 
Southern Credit Recovery is now dening my consumer rights to dispute. 
I have provided a detailed explantion of dates, charges, maximum allowed charges, amounts paid by each insurance company and my personal payments which reflects an over paid amount due payable to myself. 
I have attached a copy of what I sent to Southern Credit Recovery along with their response to my appeal. 
I have copies of all explanation of benefits which shows maximum allowed charges, insurance paid amounts to XXXX XXXXXXXX XXXX and my personal payments.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


List : Creditor Name, Account Number, Month/Year of Late Payment XXXX XXXXXXXX # XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe. 
stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


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

Dear CFPB, Hello From XXXX XXXX of XXXX XXXX XXXX in XXXX, VA XXXX. 

I have prepared a very detailed PDF to Explain the Issue that you will need to Check in with Equifax About. 

It is our understanding, that for at least 3 years, Equifax XXXX has been providing our Credit Report data for our Business to a Little known 3rd Party Called XXXX in XXXX Utah. And, somehow that XXXX XXXX XXXX that XXXX has been Selling ( not just showing but profiting from ) is right next to the Equifax XXXX and being sold as " Equifax Says this is the Truth about XXXX 's Credit ''. And the XXXX XXXX XXXX and or XXXX XXXX score from Equifax that XXXX is showing is updated daily from Equifax XXXX 

2. Meanwhile, everty 6 months we obtain a Credit Report for XXXX XXXX XXXX Equifax that shows XXXX XXXX XXXX  as do XXXX XXXX XXXX and XXXX. 

3. And then, when I reach out to XXXX a ( little known ) company, profiting from Selling Equifax data, ( to other businesses or to lenders ) and show them proof and ask them to fix our Fake Equifax Risk Rating, they refuse because " It's not them it is Equifax '' and that has been going on for 3 years since 2020 and I am so angry that I want Equifax Counsel to know that I will NEVER give up on Justice and I will NEVER let you get away with this and I would expect for Equifax to be as angry as I am that XXXX a little company in Draper, UT is PROFITING FROM SELLING YOUR EQUIFAX CREDIT DATA NEXT TO YOUR LOGO EQUIFAX. ( Please see proof attached ). 

4. And then, when I reach out to Equifax they say the opposite, that I have to get this corrected with XXXX And that Equifax does not get concerned at all about another company 's Business Model even if it invoves Lying, and Cheating and Publishing Fake Data with the Equifax Brand. 

5. Please Ask Equifax to get this fixed immediately and without any further excuses. Even if they have to get a Court order ( injunction ) as I don't know yet if I can afford a lawsuit, and XXXX does not want to give up the sweet deal that Equifax allows for, and XXXX is Slandering my company every day. 

6. Equifax should not be able to get away with this any longer. Please see all Proof documents attached. Please fix this problem immediately. At the very least, tell XXXX to stop showing ANY Business Credit from Equifax if they don't receive accuarte data about us from Equifax. 

Thank you for understanding! This has been going on too long and I have had it!
Product: Money transfer, virtual currency, or money service

Formal Complaint Regarding Incident # XXXX and Request for Full Reimbursement I am writing to formally lodge a complaint regarding incident number XXXX and to seek a full reimbursement of {$340.00}. I initiated a money transfer with the XXXX XXXX, which was intended to be received by XXXX XXXX XXXX XXXX. However, I was made aware that the name of the recipient was changed by one of your agents without my authorization. 

When I contacted Western Union to inquire about the unauthorized change, I was unable to get a satisfactory explanation. The representative and the supervisor I spoke with could not identify the agent who made the alteration to the recipient 's name, leaving the issue unresolved. This lack of accountability and transparency is extremely concerning. 

Over the past several weeks, I have complied with every request for documentation and information made by your team. I was assured that the matter would be resolved within 30 to 45 days ; however, it has now been over two months, and there has been no resolution to this issue. As of today, I am still waiting for a satisfactory explanation or reimbursement. 

Given the circumstances, I am seeking a full reimbursement of the {$340.00} I sent via Western Union. This issue has caused significant inconvenience and frustration, and I must stress that the only resolution I am willing to accept is a complete reimbursement of the funds. 

If this matter is not resolved promptly, I will be forced to take further action, including escalating this complaint through additional channels and legal avenues. 

I expect your immediate attention to this matter and look forward to your prompt response. Please contact me for any further information you may require.
Product: Debt collection

Requested that validation be sent to me. Spoke with representative and said that they could see where it was ex spouses debt and not mine Was told it would be removed
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report today and noticed a collection from XXXX # XXXX on my account that I have no acknowledgement of nor did I give anyone authorization to use my information. I contacted the company and notified them that the account was fraudulent and this collection belongs to someone else.
Product: Debt collection

In or around  XXXX  of  XXXX ,  XXXX  sent my account to GC Services Limited Partnership, a collections company in error. The balance on my  XXXX  account was incorrect and was initially disputed in or around  XXXX  of  XXXX  as illustrated in the attached Better Business Bureau complaint. Moreover, I had to initiate another billing dispute with the Better Business Bureau in or around  XXXX  of  XXXX  regarding my  XXXX  account as it again reflected the wrong balance. Since  XXXX  of  XXXX  I personally tried to resolve the issue with  XXXX  to no avail and ultimately resolved the issue by contacting the Better Business Bureau. Despite  XXXX  acknowledging their errors, they still allowed GC Services Limited Partnership to report my account as a collections account.  <P/> Despite the fact that I have spoken with  XXXX   XXXX  from GC Services Limited Partnership on multiple occasions to get the collections account removed from all   XXXX    (   XXXX   )  major credit bureaus when they have acknowledged that it was an error caused by  XXXX  - I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I got an online insurance quote through XXXX XXXX it showed a violation from XX/XX/2021 with the number XXXX to call if you needed more info I did she then gave me XXXX that was a recorded message with instructions how to request your report. The web address given was XXXX then additional instructions on which tab to click on. Here 's the problem that web address redirects you to the employment verification or sales department. I tried the online chat to tell them I left 3 voicemails. the web address you have here on your consumer website has the exact link that redirects you. You can not request your personal driving or violations report with this web link address. Therefore you can not get your report to verify or object to the claims on said report. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to purchase a home, and each time a lender checks my credit report, my score goes down. This is an unfair, fraudulent practice that punished people for doing their research and shopping for the best possible rates and loans. Credit reporting agencies should not be allowed to punish me for asking to view/share my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reporting incorrect information for months on my to my credit file which lead to on on going Disputes using XXXX since XXXX XXXX XXXX  .I 'm unable to access 's my credit report-in account, in a Depute letter. credit reporting companies requested additional. Information to help my claim on file XXXX l received a letter from these XXXX XXXX XXXX for incconvenience they caused
Product: Credit reporting, credit repair services, or other personal consumer reports

Company falsely reset debt time clock. Company claims my recent account activity was XX/XX/2022 and that is false. I have never interacted or communicated with this company in any way.
Product: Debt collection

BHA Services calls numerous times daily using untraceable spoof numbers. In addition to the hundreds of calls they text and leave voice messages. The person who usually calls is named XXXX ; another caller said " This is XXXX. They always call from different phone numbers located in various states. 

One recent call on XX/XX/2021 was received at XXXX XXXX  from XXXX ( not a real # ) XXXX XXXX left a message to call him at XXXX. This is not the first call received from him before XXXX XXXX  or after XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon successful paying off personal loan with XXXX XXXX ( {$15000.00} as of XX/XX/2022 ) XXXX has noted payoff and score has increased XXXX points, not so with Transunion, I filed dispute over 3 weeks ago and almost 30 days! Not only has my score dropped due to some credit card expenses but loan amount is still showing up!!! Transunion quickly lowers scores if any credit charges are made!! This is ridiculous!! My XXXX scores at XXXX points higher and are up to date compared to Transunion.
Product: Credit reporting or other personal consumer reports

Hello, So there is a debt amount that they are claiming are from Rent Recovery Solutions debt collection which I have no knowledge of and I never received any notices or statements from them. I have already sent them a letter through certified mail from my attorney stating that I wanted a debt validation as well as it removed from credit report. I have no idea what this is and I was never notified before a collection was reported on my credit statement.
Product: Mortgage

I applied and was approved for a HELOC 13 months ago. I was told and their web page advertised a 2.99 % interest rate for the first 12 months then a permanent fixed rate of 3.25 % for the life of the loan. My interest rate has jumped from 2.99 % to 8 %. My payment has gone from {$210.00} per month to {$560.00} per month. I can not afford to pay this. I have contacted them and they offered me a fixed rate that was higher than the 8 %. I have clearly been tricked and intentionally deceived. I am a senior citizen and the company that I have worked for the past 19 years has been sold and my someone has been promoted to my position and my hours and wages have been cut significantly. I was lied to my the loan officer at Bethpage when I took out the HELOC. I was clearly told that my rate will be 3.25 % fixed for the life of the loan. I have informed them that the payment due XXXX XXXX will not be paid as my income is not what is was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 Balance - ; XXXX  XXXX XXXX XXXX Balance {$5200.00} ; XXXX  XXXX XXXX XXXX Balance {$400.00} ; XXXX  XXXX XXXX XXXX Balance - ; XXXX  XXXX XXXX Balance {$1100.00} ; XXXX  XXXX Balance {$1000.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX ; XXXX  XXXX Inquiry XXXX XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX  Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX XXXX : XXXX. XXXX, 2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Call was made to transunion on XX/XX/XXXX. I reported to them that I was a victim of their " Inquiry '' Issue. I was told that I was not affected by the issue and I asked to speak to a supervisor and got the same response. 

As you can see Transunion was not help earlier as I submitted a dispute to them regarding XXXX and was told that there was nothing they can do. 

These inquiries went on my credit report because of these issues and affected my rates on financing. 

XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXXXXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, 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.
Product: Mortgage

Hello, My current mortgage servicer is PHH, previously called Ocwen. They are most likely looking to reassign my Mortgage. PHH states Im about 4-5 months behind, and that I still have a balance of a bit over {$18000.00}. I however believe my mortgage should actually be paid off. 

The original amortization schedule was due to mature in XX/XX/XXXX. I did however have an arrearage of a bit over {$19000.00}, when Ocwen took over my mortgage, from XXXX XXXX XXXX, in XX/XX/XXXX. Due to this arrearage, Ocwen altered the way my payments were divided between principle and interest, which more closely matched they way interest and principle would have been applied around 30 months prior. My payments followed this trend, ever since around XX/XX/XXXX. However, an organization called XXXX paid all my interest in arrearage, in lump sum payments. Ocwen never rebalanced my loan. I have paid around {$18000.00} excess interest, which should be applied to interest. 

I have drafted an Notice of Error, and Information Request Letters, which I plan on submitting to PHH.

In an effort to slow things down, I am also going to submit an Application for Assistance, which PHH originally told be I had until XX/XX/XXXX to submit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine XXXX XXXX XXXXN XXXX I do not recognize this. 

XXXX XXXX XXXX  XXXX I do not recognize this. 

XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine XXXX XXXX XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXX  This is not mine XXXX XXXXXXXX XXXX XXXX L XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX  : # XXXX, has violated my rights. 


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, credit repair services, or other personal consumer reports

I had an XXXX XXXX account that was left unpaid due to unemployment. 

I made arrangements with XXXX beginning with a payment schedule commencing XX/XX/2018. The full balance of {$4000.00} was paid in full. 

The account shows delinquent on ALL credit reporting bureaus such as Transunion, XXXX  and XXXX.
Product: Student loan

Good evening, I was transferred to " Fed Loan Servicing '' in XXXX of XXXX. Previous I was with " XXXX XXXX ''. I have reached out 3 times over 18 months, the latest time on XX/XX/XXXX, regarding an error in the number of " qualified payments '' I have made towards my PSLF loans, with no response other than " we'll be in touch ''. My PSLF number of payments are incorrect. As of XX/XX/XXXX, " Fed Loan '' shows i have made 38 qualifying payments. However, as of that date, my records show I have made 55 qualifying payments. I have been on an IDR since XX/XX/XXXX and have been a government employee since XX/XX/XXXX. I have submitted two ECFs in this time frame. I am thinking the problem arose when i was transferred to " Fed Loan '' as my servicer. I have my records from " XXXX XXXX '' which I also sent to " My Fed Loan ''. Please help. Thank you.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX XXXX # XXXXXXXX XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXXXXXX, Unknown : # 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.