23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX Coast Professional Inc contacted me. The conversation went, " this call is being recorded, Is this [ my name ]. I answered yes. They said they needed identifying information to verify that it was me. I asked who they are. They said that they could not tell me until I gave them my info. I continued to ask who they were. They said that they sent me a letter, and only that they sent me a letter, no other information to identify said letter. I asked what they do, they said they handle personal business. I said they sound like scammers. They said they were not, but gave no additional information. After a bit of back and forth they grew tired of me and transferred me to their supervisor, who used my full name, not just my first name, and continued to refuse to answer the most basic information about who they were. They decided to give up and end the call. I XXXX the number that called me and the name above came up. So I called a different number that I found on the internet, and asked if what I experienced was normal behavior. The individual basically indicated that it was normal and said that there are laws that prevent them from identifying who they are until they know that I am the right person. They called again on XXXX. Again demanded to know my personal information with out telling me even the most basic information about who they are. When they said they sent me a letter again I asked if they thought that was the only letter I got. And they did tell me the name of the company. ( only because I said that I was the name they were looking for, if I want more, basic, information about the company I had to prove who I was ). At some point they said that they have my entire SS number right in front of them, so if I would just tell them the last four. Said that since he told me the name of the company I should just XXXX it. also said at some point that there are laws that prevent him from giving me information about the company. when I pushed back with, the information that I am asking for is publicly available information, he said it was policy not to say.
Product: Debt collection

Credit Management Lp indicates I owe {$940.00} date of debt XX/XX/2023 until XX/XX/2023 for a one month term service. I have never had a account for XXXX.
Product: Money transfer, virtual currency, or money service

PayPal denied my claim AFTER negotiating a full refund. I bought a product via a XXXX ad that was misleading in its advertisement. I initiated a resolution with PayPal when the seller ignored communication. The resolution through PayPal resulted in the seller agreeing to a 100 % refund, upon receipt of the item. The item was shipped back via XXXX in accordance with PayPal 's instructions. I was unable to upload the tracking info due to a mysterious 'login error ', but the package was delivered prior to the deadline. After the deadline had passed, I was mysteriously able to log in again, and provided the tracking info, but PayPal had already closed the case. I have requested an appeal of the timing of the decision, but was told that the item never arrived. The tracking number shows delivery, so PayPal must have believed the word of the misleading seller. Interesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest is reporting a loan on my XXXX credit file that I did not oblige to. The loan is fraud. I've sent my supporting documents on XX/XX/2020 as well as I was in contact with someone by the name of XXXX XXXX on the compliance team and have not gotten a response. The loan amount appears to be {$11000.00}. The address Bridgecrest sent over to me is not an address I have lived at nor is the signature on the documents my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX 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 instruction.
Product: Student loan

I have 6 Federal DIRECT student loans ( subsidized and unsubsidized with one consolidation prior to employment ). I continue to struggle to get my PSLF fairly counted. The past complaint response was misleading and the servicer at that time stated they gave me credit for XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX- onwards with the CFPB, but they did not apply it to all loans. Now MOHELA is being deceptive by applying forbearance periods to each loan differently to prevent me from getting 120 payments. This is blatantly obvious by the fact I received PSLF forgiveness for Loan # XXXX but not for XXXX # XXXX - XXXX. Upon checking the StudentAid.gov website, I confirmed the following facts below, which supports my complaint. 

IG = Grace RP = In Repayment FB = Forbearance Unsubsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - IG XX/XX/XXXX ( same as # XXXX ), and the rest of dates matches Loan # XXXX ( 120 PAYMENTS ). 

Subsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - IG XX/XX/XXXX, RP XX/XX/XXXX, FB XX/XX/XXXX, RP XX/XX/XXXX, FB XX/XX/XXXX, RP XX/XX/XXXX, and FB XX/XX/XXXX ( 115 PAYMENTS WHEN IT SHOULD HAVE BEEN 120 ). 

Subsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - Exact same as Loan # XXXX ( 115 PAYMENTS WHEN IT SHOULD HAVE BEEN 120 ). 

Unsubsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - Exact same as Loan # XXXX ( 115 PAYMENTS WHEN IT SHOULD HAVE BEEN 120 ). 

Unsubsidized Loan # XXXX ( Disbursed XX/XX/XXXX ) - Exact same as Loan # XXXX with exception of RP entering XX/XX/XXXX instead of XX/XX/XXXX for some reason ( THIS NEEDS TO BE FIXED AS WELL BECAUSE MOHELA ONLY CREDITED ME 114 PAYMENTS WHEN IT SHOULD HAVE BEEN 120 ). 

Consolidated Loan # XXXX ( Disbursed XX/XX/XXXX ) - XXXX XX/XX/XXXX, RP XX/XX/XXXX, FB XX/XX/XXXX, and the rest of dates matches Loan # XXXX ( THIS LOAN IS CORRECTLY PSLF FORGIVEN WITH 120 PAYMENTS ). 

I called MOHELA today, XX/XX/XXXX and attempted to get this resolved with the agent but they did not provide me with a clear path forward and shifted responsibility on the DOE and kept referring me to StudentAid.gov. The agent also claimed the DOE is " still '' reviewing PSLF cases and did not give me any indication my account was under review and refused to connect me with the manager. I can not find anywhere on StudentAid.gov to submit a complaint or request for a review of my account. 

Lastly, to add insult to injury, MOHELA hid/deleted my Loan # XXXX information and my forgiveness letter received on XX/XX/XXXX, as evidenced in the screenshots. They are doing everything in their power to prevent PSLF forgiveness.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXXXXXX XXXX XXXXXXXX XXXX {$850.00} XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$330.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$460.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$440.00} XXXXXXXX XXXX XXXX XXXX  Balance {$1000.00} XXXXXXXX XXXX XXXX XXXX  Balance {$930.00} XXXXXXXX XXXX XXXX XXXX Balance {$540.00} XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AN XXXX XXXX # XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX FCU Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$56.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit was used for credit inquiries without my knowledge.
Product: Money transfer, virtual currency, or money service

Hello, I was scammed {$200.00} on XX/XX/2018. I sent the recipient {$200.00} from my Bank of America account to his XXXX XXXX account using the XXXX payment. 

I filed a fraud report though bank of america and they said they have contacted XXXX XXXX and that XXXX XXXX has rejected my claim account. 

The XXXX transfer confirmation number is # XXXX to XXXX XXXX The recipient called me from ( XXXX ) XXXX, he has blocked my phone number when I tried to call him back. 

The recipient also emailed me from XXXX Any help you could provide to get my money back would be greatly appreciated.
Product: Debt collection

i have no recollection of this debt source receivables. please remove this from account XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1692 c If a consumer notify a debt that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Debt collection

I, XXXX XXXX, was working with JPMCB. During this credit transaction, they have shared my private information and violated my consumer rights. This has caused me great stress, and has limited my ability to act as a consumer. They have not validated this debt according to 15 USC 1692g. They have violated many rights as I will show below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/22 I went to XXXX XXXX to inquire about a vehicle while they were partnered with a local credit union. I specifically asked the agent if they would " shotgun '' or run my credit numerous times, as is standard practice for people doing poor business, and it adversely affects credit. He informed me no, just once. I signed for them to run it, with the agreement that they'd run it ONCE, understandably with the credit union. He said they had been making deals with people credit scores that weren't so great. They ran my credit SIX times, without my consent, all with places unrelated to the credit union. The information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore. Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with transunion credit agency regarding accounts that should not be on my report. They say information is verified as accurate. Which is not true. I have settled all my accounts and was told all would be removed from my credit report. Transunion have removed them and then put them back on months later. Which is wrong. And illegal in my eyes. My old debts due to covid unemployment were paid in full through the collection agencies or original creditors. And I was promised it would be removed. And also I was promised a letter of settlement and never received one. That's XXXX XXXXXXXX, XXXX, and XXXX, I have had great payment history and years of excellent track record, but when covid hit alot of people lost there jobs. Which I did. And fell behind. But as soon as I got back to work as normal. Everything was paid. And it still shows and reflects negative information and balance. Please fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Innovis to immediately send and mail me a complete copy of my Innovis Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX COMPLIANCE DISPUTE XXXX Data Furnisher : XXXX XXXX # XXXX. 
XXXX Date Opened : MISSING : XXXX Highest Credit/Original Loan Amount : MISSING XXXX FCRA Compliance/Date of First Delinquency : : MISSING INFO Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that OVER HALF THE ACCOUNTS DO NOT MEET XXXX XXXX compliance standards. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reported on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated!

To Whom it Concerns, This cite serves as my Lawful consumer request for all claims of collections and derogatoriness be supposed or else wise revealed not only of the federally mandated requirement with the maximum achievable accuracy and maximum likely completion but equally in full accordance with the established standards of ethical lawful reporting. For any potential reported negativity, my demand is for any such still yet unproven allegation be absolute and well corroborated to its utter truth and facts, even certified as such. It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The identity theft inquiries still on my credit report. XXXX has 2 XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX take off XXXX XXXX. XXXX told me it would take 90 days or less its passed that. Still on my report. XXXX  for no reason removed good standing auto loan. It is less than 7 years. No reason it went off. Why? Its not identity theft or fraud. Put it back.Take off inquiry from XXXX XXXX I never made this inquiry ether. I called XXXX about this auto loan taking off.

Bank told me its XXXX XXXX.

We report to all credit reports. 
If it goes off its XXXX XXXX fault!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. 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 .This 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 XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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 Name : XXXX XXXX : XXXX, -Account Name : XXXX XXXX XXXX XXXX -Account Name : XXXX, XXXX XXXX, -Account Name : XXXX XXXX XXXX XXXXXXXX 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 : Also states a consumer reporting agency can not furnish my account without my written permission. 15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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. 5 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

hard inquiries on my account i did not made. 

US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Wakefield Associated closed my account out and I need them to reopen my dispute for review. 
A. Wakefield violated me by not contacting me about a debt I supposedly owed B. Wakefield violated attaining by personal information without my consent and transferred to their corporation.

D. They neglected to provide me with proof bearing my wet ink signature file or accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 
C. I also had a lawyer at the time of debt so this debt was not supposed to appear on my credit report.

According to 18 U.S.C 1028 A- Aggravated identify theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. You violated this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, this company named XXXX signed for an letter that I sent certified with a return receipt asking for proof that an amount they say I owed in the amount of {$650.00} that i found on my credit report. I do not owe this to this company and I'm asking for help in getting proof that XXXX has a contract bearing my signature, which I know it does not. I am still waiting for the contract with them as of XX/XX/XXXX. The only thing they sent was a letter saying my claim was frivolous. If they have a contract they can send it the same way they sent me a letter saying it was frivolous. This is an account from XXXX that I know nothing of.
Product: Credit card or prepaid card

-previously payments where send thur XXXX XXXX pay on the 1st of each month and arrived with in 2 days -payment was send on XXXX but was not accepted Amex had requested XXXX send a paper check which took 9 days and arrived on XXXX causing a 'late payment ' and {$29.00} late fee XXXX called Amex and reported the problem after investigation and discussiong with XXXX XXXX. XXXX said Amex had requested a 'paper check ' which arrivied on XXXX and could not be late! 
-payment was send on XXXX but again was not accepted by Amex causing a {$40.00} late fee -other banks have historically used this fraud scheme to over charge and add late fees -as of today XXXX i will not longer send payments to Amex -Amex has defrauded me before with this scam and other scams similar
Product: Credit card or prepaid card

Unable to access my account online. I reported this issue back in XXXX. When going to the website to login, I get a message that I am using a different computer, which is incorrect. I ALWAYS use the same computer. Their system wants to do additional verification steps. They request to send an ID code via either text message or email. If I choose email, the email NEVER arrives. If I choose text, the text message NEVER arrives. Both my email address and telephone number are correct. There are no emails in a SPAM box. There are no issues on my end. This company is simply incompetent and unable to fix their problems. When contacting this company, they simply reply with canned responses -- it is like taking to a brick wall. There is no real customer service. Only people who read back generic responses that have absolutely no value to them.