23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXX My XXXX XXXX XXXX  was in an accident and the insurance company paid out what the car was worth at the time. after 8 months of fighting with the police station to get a report we finally got one and the GAP holders ( as of today even with the information they need ) refuse to re open my GAP claim to payout the remaining balance of the vehicle loan. ( approx 3500 $ ) and it is now affecting my ability to get another vehicle because of it. The lien holder is Wells Fargo Dealer Services. The GAP holders are XXXX XXXX XXXX. We are currently STILL in litigation with the insurance company about this matter almost 3 years later to determine the amount of damages that have occurred health wise to my wife. The GAP holders keep telling me because there is a 210 day window for proper documentation to be received that the claim is outside of that window and refuse to do anything about it leaving me XXXX with the rest of the loan being delinquent as Wells Fargo continues to report it monthly to my credit report.
Product: Debt collection

I am not liable for this debt with ( XXXX XXXX XXXX XXXX and I do not have a contract with PERSOLVE LEG plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$16000.00}
Product: Student loan

This account was placed in default on XX/XX/2018. It just came off of a Derferment in XX/XX/2018. I stopped getting any kind of mail from my loan servicer in XX/XX/2018. I received no calls or any correspondence from my servicer, XXXX. They put the loan in default without corresponding with me. I received 1 phone call from XXXX XXXX 3 weeks ago. I was told to contact XXXX. I contacted my servicer, XXXX. I was told to contact XXXX. I was getting the run around from all parties involved. I worked a little part time job last year. I was able to receive an income tax return, but it was taken, by Navient without notification. With Navient taking my income tax, it has put me in a major bind financially. Examples : Electricity due to be cut off any day, Phone is due to be disconnected any day, Car is due to be repossessed, etc. I didn't know who my servicer was until I called several different places. I did a review of the company, Navient. They have 4 lawsuits against them currently for Student Loans. The  customer service representatives with this company is extremely rude. I couldn't get a word in at all with the several representatives I did come in contact with. I need some serious help with this situation.
Product: Bank account or service

I am ( with my siblingss ) the beneficiary of a trust established by my grandmother, that passes to me ( and my siblings ) upon the death of my Mother. My mother passed away in XXXX 2015, so we contacted Wells Fargo, the administrator of the trust. We provided all the requested information and documents in order to process the distribution of the funds from the trust in XXXX. It has now been 4 months, and the funds still have not been transferred as we requested. When we call Wells Fargo we are told that it is " in process ''. There has been no explanation for this long delay, and we have not been told that there is any problem. There has been no communication at all.
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 U.S.C 1681. 

XXXXXXXX XXXX account # XXXX Has violated my rights XXXXXXXX XXXX  account # XXXX has violated my rights XXXX -account XXXX XXXX has violated my rights XXXXXXXX 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 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
Product: Debt collection

First I have never had a magazine subscription in my life, so when I got this phone call and this guy started threatening me I got pretty snappy. This dude XXXX XXXX XXXX XXXX XXXX XXXX had tons of my personal information, my last 4, full name, previous addresses and email, but a bunch of bogus info that I didn't recognize too, addresses I have never lived at, emails that weren't mine but used my name. He says he is gon na call me back tomorrow and he wants me to settle a debt for this alleged magazine subscription, I never had, from 2014! Well I am a mouthy guys so I really worked this guy up, got him upset and got him to start making threats. Now he alleges that this company " XXXX XXXX XXXX '' made a verbal contract with me over the phone but refuses to provide any proof of it, he says they have a recording of my voice agreeing to a magazine subscription, and that I either have to settle the debt with him for {$280.00}, or be sued for {$2000.00}. Because he had so much of my info I thought someone was using my information ; but when I got home I started looking and I found this ... XXXX XXXX XXXX That link shows 43 complaints with the XXXX and many of them are far better worded and explain in better detail what is going on. Oh and this XXXX XXXX XXXX That link is to XXXX XXXX XXXX , it is not able to be located by the XXXX it is not a real company and it is definitely linked to the Southwest Mediation Service that XXXX is working for. XXXX XXXX XXXX XXXX is a XXXX XXXX that is issuing exorbitant fake debt and then attempting to settle that debt for less through the Southwest Mediation Service out of Nevada under threat of a suit that sounds very similar to a SLAPP suit. and guess where XXXX XXXX XXXX are??? Georgia! Because of course Georgia, because that is where XXXX XXXX reported that these ridiculous law suits are still legally entertained by the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I assessed my credit report via Identity XXXX on XX/XX/22, it was noted that according to XXXX, Equifax, and XXXX, the United States Bankruptcy Court XXXX XXXX of Virginia reported bankruptcy. 

I mailed a letter to the Bankruptcy Court to validate the account. It was verified by the Bankruptcy Court in a document dated XX/XX/22 that " The Bankruptcy Court does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.
Product: Money transfer, virtual currency, or money service

I am trying to link my PNC account to XXXX to round up my transactions for investing. PNC will not allow this for some reason. I have no issues linking my XXXX account to XXXX, and I think PNC needs to approve this investment tool.
Product: Debt collection

Dynamic Recovery Solutions working on behalf of XXXX XXXX XXXX, XXXX sent a dunning letter on behalf of an original creditor, XXXX XXXX XXXX regarding a debt of {$770.00}. I do not owe this debt and know the company is violating my rights according to the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. 

After completing research on the company, I learned the XXXX XXXX XXXX reported 670 closed Dynamic Recovery Solutions complaints over the previous three years, including 128 closed complaints over the previous 12 months. The XXXX  gave Dynamic Recovery Solutions a B rating. Additionally, XXXX listed 23 DRS complaints filed in federal court in the previous year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau ( CFPB ) listed 174 closed complaints for 2016. 

In the meantime, I will file with the XXXX XXXX XXXX and consult with an attorney regarding the issue with Dynamic Recovery Solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have fraudulent accounts on my credit profile, incorrect address, incorrect employers, and incorrect personal information. These accounts such as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and fraudelent bankruptcy listing.
Product: Credit reporting

Several years ago, i was on unemployment. at some point unemployment agency miscalculated stating i was overpaid. shortly they said it was ok and I do n't owe anything and I had no action items. 3 months ago i applied for credit card and was declined, finding that i have a Lean on my credit. I called the superior court and they said that i was fine and that they have a letter of satisfaction for me to pick up. I picked up the letter and began process to fix my credit. I filled filed a Dispute for Transunion on XX/XX/2016 but never got a response since. it has been nearly 2.5 months and i still do n't have resolution to my credit. Please help. 

Please call me at XXXX or email at XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

This is simple. I have had an account and direct deposit for years. on XX/XX/18, I spent close to {$1000.00} in one day, ( which I normally do not, but had been saving for some home items I wanted. During one of the transactions, my card was de-activated while trying trying to pay for my items and the transaction was declined. 
I left the store, went to the ATM and it said the card was de-activated. I called XXXX ... .and was told that they shut the card down thinking it was fraud. I explained that it was me - verified all their informtion and the card was re-activated. They told me I should have received a text message whent the deactivation happened, which I did not. BUT they have been sending me information from a cancelled card and not the active card for months. I only get my deposit information via text. When the card was re-activated, I did get a text stating that. 
The next day, I attempted to log online. And my account had been closed. I called them and they told me they closed that account and I did not qualify for an account anymore and they would send me a check for the funds in my account. This left me with no access to any money at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested a Fraud Alert be placed on my credit reports to prevent any further unauthorized/fraudulent activity. 

On XX/XX/XXXX I paid {$17.00} for a certified letter to Equifax containing a signed and notarized letter regarding the fraudulent/invalid information on my credit report. The certified documents were : signed and notarized, a federal trade commission identity theft affidavit and my drivers license. 

On XX/XX/XXXX I received confirmation that Equifax received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, XXXX, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Equifax is still on my credit report. There are fraudulent/invalid addresses and an inquiry which are not mine and did not give permission to anyone as well. 

I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX ) and I have never lived out of state. 

In compliance with the Fair Credit Reporting Act, Section 611, the credit bureau Equifax has 30 days to review and remove my ( consumer ) complaint. It has been 120 days with no solution or response and now I am submitting a request for help with the Consumer Finance Protection Bureau to resolve this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian XXXX  XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX  XXXX Account XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Debt collection

IC systems has been repeatedly calling my phone number provided in previous questions and have informed me of having a file placed with them by a health provider and have asked me to confirm my information, they then give me a partial address and ask if this is correct, I ask what it is regarding and they refuse to answer my questions, they then kept pushing for my personal information such as social security number- I do not give it until I can verify what IC systems is calling about- they then repeat that they wont discuss the " file '' until I provide personal information, I then ask what exactly it is regarding and that I will not volunteer that information until I am provided a reason for their call, they then hang up on me and will not answer my questions. This feels like an absolute scam in refusing to discuss the reason for their call until I provide personal information. They say the file originated from a health care provider, however we have no outstanding balances anywhere.
Product: Student loan

On XX/XX/2022 EdFinancial posted a notice to my account with the heading " your account is past due! '' and the enclosed message claiming, " Our records indicate that your last scheduled payment has not been received, and your account is now 11 or more days past due. We urge you to make a payment and resolve this past due status quickly. '' Furthermore, they try to promote their XXXX system by claiming, " Additionally, while your account is in an active repayment status and enrolled in XXXX you will receive an interest rate reduction of 0.25 %, '' which is misleading on multiple levels, being that accounts are NOT in active repayment status, as the student loan pause is currently ongoing and in effect, and the interest rate has been set at 0 % for the duration of the pause ( ongoing for 2 years now ). Their site is riddled with conflicting and confusing information. They also still reflect on their payment tab that I will have a payment due on XX/XX/2022, even though the student loan pause is extended through the end of XX/XX/2022.
Product: Debt collection

I am repaying XXXX debt to a law firm. I have made two monthly payments on each. Now another law firm at the sAME ADDRESS WITH THE SAME SIGNATURE AT THE BOTTOM OF THE PAGE IS TRYING TO GET ME TO PAY THESE SAME DEbts with them. Is this leagal?
Product: Debt collection

Calls from Global Receivables Solutions , Inc. regarding an outstanding medical bill from XXXX XXXX in the amount of {$4800.00} from a hospital stay in XX/XX/XXXX. The calls started mid-XX/XX/XXXX. In early XX/XX/XXXX, I returned the telephone call stating that I could afford to pay {$25.00} per  month as I am only working at a temporary job through a temporary agency. I was asked about how much I paid for mortgage, car insurance, and automobile insurance. I answered. I also was asked how much I brought home per month in salary and I told the person. I said that I could send a money order monthly for {$25.00} as that was all that I could afford. I was then put on hold and anther person insisted that I pay the total amount but at a reduced rate. I then stated that I do not have that kind of money. I was asked to pay the hospital bill with my XXXX card as the person knew exactly how much I had left for charging on the card. I said no. The person then said well then pay with your XXXX XXXX XXXX and said how much money I had left that I could charge. I said no I will not put anything on my credit card. Then I was asked to borrow money from someone that I knew and I said no. I said to that I would be able to send a {$25.00} money order monthly. I was put on hold again. The next person asked me to purchase a prepaid debit card, pay at least {$100.00} on it and then send $ XXXX monthly. There is no way that I will remit monthly payments on this debt as it would be a scam to just send money via a prepaid XXXX card. That does not make any sense and would be very dangerous. I then sent a cease and desist letter via certified mail.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, 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 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Product: Payday loan, title loan, or personal loan

I was sold a solar system by XXXX XXXX XXXX XXXX company financed by Loanpal for {$48000.00} account # XXXX by using deceptive and fraudulent sales practices. I was told by LoanPal and XXXX XXXX XXXX company that I would be issued a rebate in excess of {$10000.00} which I would need to pay to Loanpal to keep my loan payment low. It has come to light that Loanpal and XXXX XXXX XXXX were deceptive in their representation that I would receive almost {$13000.00} in cash from rebates on my Taxes that I could use to pay Loanpal to reduce the loan balance. These conversations occurred on recorded phone lines and there is ample proof of fraud, deception, and misleading information about the sale/financing of the solar system.
Product: Mortgage

BSI, you are now in violation of my consumer rights, BSI has failed to update my mortgage payment in a prompt manner. You are in direct violation of the Consumer Financial Protection Bureau. BSI continues to call me and harass me about a late payment for XXXX when in fact BSI has taken my payment in the amount of {$6200.00} on XX/XX/2022. BSI has received paperwork and proof of payment via e-mail and phone on On Wednesday, XX/XX/2022 at XXXXXXXX XXXX  EST and error is still has not been corrected. Today I have received notice of a late payment charge for XXXX payment which is not correct. I demand that you correct my account immediately. A full complaint has been made to the Consumer Financial Protection Bureau explaining these facts and your companys failure to follow federal guidelines. 

Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX Please make sure I am going to stop receiving calls for payments already collected. 
Please appropriate the funds to my Account Number : XXXX immediately and immediately update your website and records.
Product: Money transfer, virtual currency, or money service

Money paid for a flight for medical needs overseas was taken by XXXX XXXX because I was falling out at night after a XXXX and slept when money was sent and couldnt wake up after XXXX XXXX. The money was taken by the sending agent. The amount taken was XXXX dollars. I am very Sick and XXXX XXXX XXXX getting worst because the XXXX is water born.