23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My son went to the hospital ER for a injury, he's a Jr and a adult at the time of the visit. Some how the hospital used his birthday and my social security number and now a collection company called PHOENIX FINANCIAL SERVICES LLC has been putting the bill on my credit report despite my effort of contacting them and them agreeing to remove it because the social security number and birthdate is not a match. Also during the time this was created I had medical insurance through XXXX that covered me 100 % ( Care Source ) This is not my bill and I have been dealing with this for years and I'm not getting no where. They took it off once but now the posted it again. I even disputed through all three credit reporting agencies.
Product: Credit card or prepaid card

The last week of XX/XX/2022, I lost my credit card while traveling in XXXX and XXXX fraudulent transactions posted to my account. XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. I called XXXX Fraud department as soon as I realized my card was lost. They took my information and supposedly started my claim for the disputed charges. On that day I received an email from XXXX saying that they will be working on my claim and that they will be providing provisional credit of the XXXX fraudulent transactions within 10 days while they continue their investigation. Meanwhile, Provisional credit was never provided, nor there was any follow up nor documents sent to me. So, On XX/XX/XXXX, since I didn't receive any communication from XXXX nor the fraudulent charges taken off my card, I called back XXXX fraud department to find out what was going on. I was told by an agent named XXXX, that there were NO notes on my claim, NO follow up and NO provisional credit on my account, he said he had to escalate it to a supervisor, that it seemed that my claim wasn't looked at by any one. So he told me that I was going to receive a call from a supervisor. I received a call from a lady name XXXX from a phone number XXXX. I called back and told her that is NOT OK to be ignored, to report a claim to XXXX and to have this type of inaction and lack of help in resolving my claim. Meanwhile its almost a month. No follow up, the fraudulent charges are still on my account, no provisional credit was issued, my claim was ignored and XXXX inaction and lack of willingness to resolve my claim has caused me stress and in top of it, I have to be calling back and forth, almost every week trying to get their help in taking care of this issue. It is obvious that US Bank is trying to ignore my claim and to put the burden on me to collect interest and charges with fees on the fraudulent transactions. I do believe I've been ignored and treated with this horrible disparate treatment due to my XXXX Ethnicity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent several letters out to Experian, XXXX and XXXX about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to Experian, XXXX and XXXX asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps outdated account. Ive sent several letters Requesting the removal and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated yet it still remains on my report. See attached.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly 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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. XXXX XXXX Where One Of The worst
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Transunion ) ( XXXX  ) XXXX XXXX  XXXX Inquires on my report I didnt give me consent to use my info. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an account I had with Chase that had gone to collections. The collection agency promised to close the account and show a XXXX balance on my credit report once I settled the outstanding balance. After settling the account the collections agency ended up reporting the account with a charged-off balance and shows as still active. I disputed the information with XXXX to no avail, despite submitting documentation from the collection agency stating the terms of the settlement having been met. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM WRITING IN REGARDS TO THIS DISPUTE IVE SENT 30 DAYS AGO AND THESE UNAUTHORIZED, FRAUDGENLET INQURIES REPORTING TO MY CONSUMER REPORT. THIS IS ABSURD THEY HAVENT GOTTEN BACK TO ME AND TO MAKE MATTERS WORSE IVE BEEN PUT IN A MORE DIRE LIVING SITUATION BECAUSE MY SCORE DROPPED XXXX OF MY CREDIT CARD LIMITS WERE CUT DUE TO THIS.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Helvey & AssociatesAttention : Compliance Department XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Account # XXXX Dear Helvey & Associates, This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I request you immediately cease all communication with me regarding the alleged debt associated with Account # XXXX. 

You are hereby instructed not to contact me via phone, email, postal mail, or any other form of communication. Additionally, you are prohibited from contacting any third parties regarding this matter. All further communication must be limited to written correspondence confirming that you have ceased collection efforts or that you intend to take specific legal action. 

Failure to comply with this request will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office for violations of the FDCPA. 

I reserve all rights under state and federal law, including the right to take legal action if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX All Rights Reserved Without Prejudice
Product: Credit card

I bought XXXX airline tickets using credit card .but after three days get emergency ca n't fly on the dates .so I call credit card and did disputes. 
After few days they send me letter in mail explain to me about dispute. 
That 's was give me XXXX credits for XXXX airplanes tickets and they will process the dispute. 
I call that credit card to let them known l do n't want to loss that money if you ca n't getting the money so I could Chang that date for the tickets with airline but credit card company told me it 's no proces and we credit your account and that 's finally, l said that letter do n't say she said discard that letter. Month later get changed on my statement for that XXXX tickets and send me a letter telling me we ca n't get your money back. So I call the credit card but their answer was we are very sorry
Product: Credit reporting, credit repair services, or other personal consumer reports

COmplaint filed X/XX/2017- XXXX XXXX {$350.00}, XXXX XXXX original creditor XXXX XXXX XXXX {$470.00} Equifax is stating that they verified the information that is derogatory and on my credit report. This is false information. I have contacted the complanies XXXX XXXX was resolved and paid by insurance and was removed from my credit due to a billing issue on the insurance company. Equifax has not deleted it. XXXX {$470.00} was removed from Equifax per my dispute as it was invalid charges and taken care of by insurance. Equifax deleted it and then allowed it to be reported by another debt collector which is XXXX. XXXX XXXX the original creditor has no bill that ever was in their office for {$470.00}. Equifax claims to resolve and verify with creditors but they are not verifying with collection agencies or creditors. They are violating my rights under the Fair Credit Reporting Act by failing to distribute to me the information they receive from the debt collector that proves this is my debt. I send documentation and this does not get resolved. 

In addition I have provided evidence that XXXX XXXX would not report to credit agency and Equifax is still allowing it Equifax is falsely claiming to verify information. This is a total violation of consumer rights. THey do not verify they just close disputes as verified to meet the 30 day timeline.
Product: Mortgage

Not paying Insurance ( which is in escrow ) and all phone numbers are disconnected.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : 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 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

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692G-VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX-XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

every month chase give interest on my account every XXXX of the month. but if i sent a payment before the XXXX they hold the payment and make like the mailman deliver it late.By doing this it leave me with a higher monthly balance were chase can have extra interest. this month i sent in a payment a head of time .I call and my month balance was??? this was on XX/XX/2015.my payment sent in was on the XXXX of the month.Now chase gave me interest on the XXXX instead of the XXXX were that payment would reduce my monthly balance at a lower balance. BY doing the XXXX of the month the payment didnt show to low my monthly payment .they have been doing tricks like this for a long time getting over on their customs. somebody needs to hold chase accountable.they making money on hold the balance were they would make more at higher monthly balance then they would if i sent in a payment before the calculate the interest for the month due. for example if the balance XXXX and i sent a payment of XXXX before the XXXX the new end monthly balance should be XXXX at apr interest rate. but chase wait to post payment so on the XXXX the monthly balance still be XXXX where the chase can have extra interest payment.so when you seen in that payment it dont show were it help seening in extra payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid {$20.00} for a certified letter to Trans Union containing a signed and notarized document, notary certificate and a Identity Theft Affidavit. 
On XX/XX/XXXX I received confirmation that Trans Union 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 Trans Union is still on my credit report. There are fraudulent/invalid addresses which are not mine. 

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

I have credit inquiries on my XXXX credit report that I did not authorized from XXXX XXXX XXXX for the following dates : XX/XX/2017 ( twice ) and XX/XX/2017 ( twice ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account with an account number ending in XXXX. I wrote to the bureaus requesting an investigation into this since I didn't feel it was reporting accurately. 

I received a response from the bureaus saying it has been verified, yet I got a letter from XXXX XXXX which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify this properly therefore it should no longer be on my report.
Product: Debt collection

This debt came from Indiana I had move to Texas and did not incur this debt
Product: Debt collection

This information the XXXX XXXX XXXX XXXX is reporting on my credit file is not my bill or account this has been on my credit for 5 years and is affecting my credit by law its is not right to report false information on my credit report by law I will sus this company if this is not removed this is Fraudulent That this company can do somethings like this
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report, there is a collection account from XXXX. I have never used nor opened XXXX service in my life. This account belongs to someone else and totally incorrect.
Product: Credit card or prepaid card

On XX/XX/XXXX, Capital One closed my Venture card account without warning. I eventually received a letter from the bank that said " Capital One has observed activity on a past or present Capital One account that is not consistent with the banks expectations for account activity. '' But I never did anything unethical or unusual with the account. I simply used the card to pay for things that I would have otherwise paid for with other cards so it's hard to imagine what was " not consistent '' with expectations. Anyway, I understand that they can close my account for any reason. My problem is with how the rewards were handled. 

I had earned nearly XXXX " miles '' on the card. Those miles can usually be used for XXXX cent each towards travel purchases or can be transferred to a number of hotel and airline programs. I had planned to do the latter. 

Instead of giving me a chance to use the rewards the way I had planned, Capital One cashed out my miles at only a half cent each. So, instead of nearly {$600.00} in value, I got only {$290.00}. That is not acceptable, especially since I hadn't done anything wrong to provoke the shutdown.
Product: Credit card

I filed a dispute because XXXX ( a hotel booking app ) lied. They put the price at XXXX for 2 nights then after I checked out, the app said I need to pay another XXXX at the hotel so the total is XXXX. I'm not paying for that so I reached out to the hotel and they ignored my message. American Express closed the case with the reason : As per your CM Agreement and/or merchant policies, we are unable to investigate this charge. Please contact the merchant directly. However, I didn't get any communication from Amex regarding this. This dispute was in XXXX. I just realized I have to pay for this because I filed a new dispute for something else and this popped up. I reached out to Amex and they said they sent me the email already and there was something wrong with my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent your company a letter for an investigation over 30 days ago and still have not got a response on investigation neither a XXXX letter status updated pursuant 15 usc 1681 . If the account has been verified, please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in XXXX days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " XXXX years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be re-moved. Supply your response within 15 days or delete the trade-lines. I know your company loves to back date letters to make it seem like you have already sent me these notification, but i want to make you well aware I have an account with XXXX that scans all of my mail & lets me know when mail is coming. I will not hesitate to use this in court. I have done it before and don't have a problem with doing it again. 
I have well enough information to file suit if this is not deleted immediately Account : XXXX XXXX XXXX Account # : XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX XXXX XXXX XXXX, MD XXXX(XXXX) XXXX-XXXX Made by: XXXX XXXX XXXX XXXX XXXXY, MD XXXX(XXXX) XXXX-XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions.
Product: Mortgage

Reference to my previous complaint requesting a copy of the 1099-Cancellation of Debt of which you have provided a copy of this form. I am now requesting the supporting documents like a loan modification that led for Carrington Mortgage to issue a Cancellation of Debt to the IRS. I have tried several times to contact your customer service department and no one has been able to help me. Please forward the copies of all loan modifications.