23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope you are doing well as I write this. I'm writing to discuss a very important issue with my credit report. I've discovered multiple unauthorized accounts on my credit report, which has adversely affected my creditworthiness. I firmly think that identity theft is the cause of these accounts, and they need to be resolved right away. 

The following are the specific accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities about the alleged identity theft, including submitting a report to the Federal Trade Commission ( FTC ) and [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC. 

Since these accounts are not the result of any legal transaction or credit application filed by me, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to remove them off my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/2024 Request for Removal of Inaccurate Collection Account from Credit Report I am writing to dispute and request the immediate removal of an inaccurate collection account from my credit report. The collection account in question pertains to Freedom Financial, which was inaccurately reported as a debt of {$42000.00}. 

XXXX years ago, I applied for a consolidation loan with Freedom Financial, and subsequently agreed to refinance my loan with another company that claimed to be affiliated with Freedom Financial. Despite making monthly payments between the first and fifth of each month as agreed, it has come to my attention that Freedom Financial never received any of these payments. Upon discovering this discrepancy during a credit report review in XX/XX/2024, I promptly contacted Freedom Financial to address the issue.

After uncovering that the company I had been paying had not remitted any payments to Freedom Financial, I immediately terminated my agreement with them and resumed direct payments to Freedom Financial. I have consistently paid the monthly installment of {$550.00} to Freedom Financial since then. 

The collection account resulting from this misunderstanding is unjustified and damaging to my credit report. I urge you to investigate this matter further and expeditiously remove the inaccurate collection entry attributed to Freedom Financial. This collection account is a product of misrepresentation and fraud, and its presence on my credit report is misleading and harmful to my financial standing. 

I kindly request that you conduct a thorough review of this situation and take the necessary steps to rectify this error by promptly removing the inaccurate collection account from my credit report. Attached is the now terminated agreement with the financial institution who was to assume responsibility over the debt previously that cause this discrepancy. 

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of this erroneous collection account from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX has a 3 day refund policy. I requested the recorded line on the phone with the angi leads agents where i clearly cancelled my subscription with them. They said they just needed a card on file and weren't going to charge me until i want to resume leads. I never received a single lead. I was told by XXXX and 3 other agents since XX/XX/XXXX that inwould get a full refund for {$280.00} they said a refund would be processed but it can take 7-30 days. That is outside of the refund policy. So i charged back thru my bank. They then sent me to collections after they told me they could not refund me to my bank or into the angi leads account that i have NEVER used. How am i not being charged {$380.00} or more? It makes no sense. They're such bad scammers.
Product: Debt collection

XXXX XXXX XXXX is billing me Outside Networking Balance for XXXX for a service provided to my son on XX/XX/2022. After disputing this charge for a long time they went down to XXXX but I still didn't understand this high amount for the procedure that my son received ( XXXX XXXX XXXX XXXX ). I went ahead and put a claim to my Insurance company and they explained that the first bill from the hospital was submitted after almost 1 year of the service and it was denied. Because of my complains to the hospital they sent again the invoice to the insurance and they stated on a Grievance Resolution Letter that according to their chart costs the amount they aproved to pay was XXXX and I couldn't be charged more than XXXX ( that is my copayment according to The Explanation of Benefits of my policy ). The hospital seems not care about this letter, they don't let me send this letter to them and they are pushing me to pay the rest of the bill XXXX saying the Hospital was not in the Network by that time. I already submitted a claim under the No Surprises Act, because I find this action is violating the law. Now the debt is in collection handled by Receivable Solutions, LLC who also got I notification from me stating that I disagree with this debt, but they don't seem to care about my dispute with the provider. I don't want my credit to be affected and the Hospital is denying to do their due diligence and appeal the Insurance decision about what is own, they are after me personally by trying to collect the money through a debt collector
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX  XX/XX/year> XXXX XXXX would highly appreciate it if you removed these items from reporting immediately. Failure to comply with the request should result in the immediate deletion of the items in question.
Product: Credit card or prepaid card

I was not properly informed of the mechanics, fees, interest on the plan. I was not aware that what they were and that the automatic charge was just the minimum payment. 

I can't find any signed documents that I read before and any calls where all of these were explained to me. 

I can't even access the online information after having called the bank.
Product: Payday loan, title loan, personal loan, or advance loan

When I was approved for my loan and I asked what the interest rate would be I was told 18 % however they never sent me my loan agreement not even to my email to sign they just typed my name on it. When I go to the website to log in to see the loan agreement because that the only way I can my interest rate says 435 % which I never would have agreed to if thats what I was told I got a loan for XXXX in XXXX and they say I still owe them XXXX for an XXXX dollar loan there is no way they are wanted me to pay them XXXX dollars through XXXX of next year for a XXXX dollar loan its ridiculous. Im trying everything I can to get this loan disputed because this company not only XXXX XXXX XXXX but lied Im never using them again
Product: Debt collection

American Express continues to call my work cell phone. To the point i had to change the main number listed for my business even after asking them to cease and desist phone calls. The phone calls are also automated and use a computer generated messages, this has cost me work. To my detriment.
Product: Credit reporting or other personal consumer reports

Im trying to dispute because I've already reached out to the CRAS for validation of this alleged debt and if can't be verified would like this to be deleted they have yet to meet the demand in verifying or removing the accounts
Product: Debt collection

On XX/XX/2022 at XXXX hrs, I recieved mail from XXXX XXXX XXXX stating that I owe {$480.00}. I am not familiar with the debt & immediately called, I spoke with XXXX & he identified my social security number and stated they were a collection agency, for Oliphant Financial Services. I advised him that my Identity was stolen and I had a Fraud Alert on my credit file as well. He advised that a Fraud packet will be sent to my mailing address, to sign it & mail it back. He insisted on me providing additional information, but I would not. He disconnected the call. I am unable to see XXXX and XXXX and both scores decreased tremendously. I did report my Identity being stolen to FTC and my local Sheriffs Office report. I also contacted creditors as well. 
I made contact with XXXX at XXXX with Oliphant Financial Services, but she insisted on me establishing an account with their online portal in order for them to assist me. I denied their services and did not establish a profile, account, nor debt with them and did not want to establish any profile. I repeatedly this information. She insisted I did not understand what they serviced and that she was not getting through to me I quote ; then she kept advertising their services and to just sign on. I refused. She did not verify an account, but she did ask me what was the amount.
Product: Debt collection

On XX/XX/2023, I contacted CapitalOne Financial to opt out of the sharing of my personal information with non-affiliated third parties. 

Despite my request, CapitalOne Financial has continued to share my personal information with third parties. 

I have attached a copy of my opt-out notice to this complaint.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I contacted XXXX, equifax and transunion in regards to fraudulent addresses and accounts on my name. Someone had requested phone services as well as an apartment lease fraudulently in my name. I have contacted the local authorities but the account has yet to be removed I have never lived at XXXX XXXX XXXX XXXX XXXX ca. 

XXXX account XXXX XXXX XXXX {$3200.00} Is also not legally my account. I have contacted multiple sources and nothing has been done.
Product: Credit card or prepaid card

American Express is charging not only late fees but also delinquency fees right on top of the late fee. At just over 2 % of the balance, the delinquency fee can be 2 or 3x that of a late charge plus you still get charged the late fee. I was also informed that they would not guarantee that they would not charge a late fee on a balance that is only the amount of previous late fees. Essentially late fees on late fees. This account has a heavy volume of usage and American Express receives large payments at least monthly if not more often.
Product: Credit reporting or other personal consumer reports

There are numerous items of information that are being reported within my credit reports that are incorrect.
Product: Debt collection

Synchrony Bank called 2 days in a row using different numbers. 

XXXX XXXX, XXXX at XXXX a.m. XXXX : called from XXXX XXXX XXXX, XXXX at XXXX a.m. XXXX : called from XXXX Neither time did they identify themselves as debt XXXX. I used XXXX to look up their phone numbers and found out who they were calling in behalf of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am verry concerned I have been following my credit report for the last 3 months vigorously to improve my consumer report. Today I receive a notice that a collection has been added to my account. One that I have never heard or seen about. The original company is 12 XXXX XXXX now sold to XXXX XXXX. 

Please investigate this account as it says it was oppened XX/XX/2023. My Transunion has a fraud alert and so does my XXXX no one should be able to open this types of accounts without calling me. 

Theres is no account number listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial. I filed XXXX XXXX bankruptcy which was discharged XXXX XXXX Since the discharge date XXXX of the creditors, Ally Financial, has posted a negative payment on XXXX XXXX I spent hours on the phone trying to get it resolved and removed only for them to tell me they can continue reporting as long as the account is owed. This debt was filed on the bankruptcy and the account shows closed so they should no longer be reporting negative payments but refuse to remove the negative payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request to set up EFT from XXXX to my bank was rejected using Early Warning 's info as the reason. Early Warning 's report was just a list of transactions, with no explanation of what transactions triggered the rejection or why. This may follow the letter of the law, but it is far from transparent. It feels like Early Warning is an excuse for XXXX to do whatever they want to whoever they want with a joke of a report as an explanation.
Product: Credit card

My wallet was stolen on XX/XX/2022 A few months after that I was notified by my credit monitoring that my credit was going down. I looked into the matter and there was a card that I have never opened. The card was American Express. I called American Express and notified them of everything. They told me not to worry they that they handle everything. A XXXX  later they are still saying not to worry but nothing has been done to clear the charges and they are reporting me for not paying my bill every month. 

I have provided them with my address, bills, police report of stolen wallet. 

Every time I call I feel like they are lying to me and not trying to help.
Product: Debt collection

Well, for one XXXX XXXX never try settle they sold the debt to McDaniel and Lyle firm out of ky I was not give a court date so of course the judge sign off I dont know you fight which XXXX XXXX or law firm never proof it was my debt of course never even try to settle it so now they garshment of my wages it almost paid off I just want XXXXXXXX XXXX or McDaniel law firm give credit for payment received
Product: Payday loan, title loan, or personal loan

I was approved for a online payday loan of XXXX  on XX/XX/2022 and went effective XX/XX/2022. This company obtained all my personal financial information such as checking account number, routing number, id, social security and address. 
I never received the money yet I keep getting notifications from XXXX XXXX that my information has been compromised. 
I have tracked down their contact information and address. I have called and called and can not get through to anyone. It says it will call me back. The address is a XXXX XXXX so i can not go to the actual place and meet with anyone. 
I dont know what i should do, as i am completely frustrated. 
Please advise. 
Many Thanks XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

There was a Capital One account that was opened XXXX of XXXX on my credit report that Im not familiar with. It shows that the account was closed in XXXX of XXXX and XXXX months have occurred charges. Theres an {$1100.00} out of {$750.00} credit limit. I would need for them to send me additional documents to show my signature and date from when the agreement was signed and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to have them investigate a paid collection account. The company promised to delete the account from my credit report upon payment. I paid the account and it is still reporting. Ive disputed the account multiple times and a thorough investigation has not been done. The account has been deleted from XXXX because they found that it was supposed to be removed. I am asking that XXXX please remove this account.
Product: Debt collection

This collection company which I have No Contract with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA/FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my credit reports recently and have noticed 2 inquiries that I did not authorize the inquiries are as follows XXXX  Requested XX/XX/2017 XXXX XXXX Requested on XX/XX/2017
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting incorrectly to my XXXX Credit Bureaus as far as late payments for the months of XXXX and XXXX. I have contacted them and let them know that the dealer they had for my area went out of business and the automatic payments that were set up got stopped and as soon as I was notified that my payments werent coming out from Corporate XXXX then I proceeded to set up automatic payments again to resolve the issue. I do not believe this is my fault the dealer went out of business and my payments were stopped and I resolved the issue as soon as I was notified and have been trying to get them to fix the reporting on my credit report in order to make the issue correct with no such luck.
Product: Credit card

Automatically the credit card enrolls you into a credit protection program. I called them to unenroll which the guy on the phone was pretty straight forward and told me I was removed from it upon close checking of my transactions today I have been getting charged this whole time for for their credit protection fees I called and requested a refund because I was told I was unenrolled and they told me no because they were verified transactions then I asked to speak to a supervisor and asked if I could get a copy of previous calls from me they said there were none. This is just blatantly scam.
Product: Mortgage

I have a mortgage with Freedom Mortgage, and until XX/XX/2024 my payment remained at XXXX, now in XXXX it went up to XXXX without prior notice and when I call fredomn morgatge they say that the escrow went up, but without any other response. 


My home XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

This fall, I received in the mail and email a special offer if you activate and spend {$500.00} per month, you will earn {$30.00} additional XXXX XXXX for the months of XXXX, XXXX, and XXXX. I thought that was a good deal, so I activated my XXXX XXXX card and started using primarily that card for holiday shopping and vacation. I called the company questioning where the XXXX XXXX  were today ( XX/XX/19 ) and I was told I never activated the promotion. When receiving the follow up mail, it said if you already activated your card, ignore this. So now I am out the additional XXXX XXXX and since I wasnt using my normal card, I didnt get that cash back. I am very frustrated. And this is the third issue I have had with this XXXX XXXX/citi card since activation in XXXX.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit card

Dispute : XXXX with Chase Bank for British Airways Credit Card ending in XXXX British Airways charged me multiple times for the same trip, and they claimed that the bank did not release the funds and would not allow me to finish my journey unless I repaid the ticket. Chase refused to refund me for the extra cost. I ended up being charged XXXX for XXXX ticket, and I had to pay twice due to Chase Banks neglect. 

On XX/XX/year>, I booked XXXX single round trip flight going from New York to XXXX ( Booking reference XXXX ) for {$890.00}. 

Confirmed by transaction for payment for the ticket : XXXX on XX/XX/XXXX. 

I noticed that Chase Bank/British Airways had charged me twice for {$890.00}, so I called the bank to dispute the charge, and the duplicate charge was refunded back. 

On XXXX XXXX, I paid my credit card bill for {$1000.00}, which paid for the ticket. 

On XX/XX/XXXX, the first leg of the flight was taken without any issues. British Airways did not contact me or alert me of any payment issues, in fact, they sent me emails to wish me a good journey, and the first leg was completed. 

On XX/XX/XXXX, while attempting to take the second leg of the trip from XXXX, I was informed by British Airways that the Bank did not pay for the ticket, and therefore, they would not issue a ticket unless the ticket was repaid in British Pounds of 737.11 which equaled to {$930.00}. This {$930.00} charge is the only payment that British Airways has for this ticket. Where did the original {$890.00} go?

I would like my charge of {$890.00} back, and Chase refuses to acknowledge where this money has gone, and British Airways claims that the only payment they have for my ticket is the {$930.00} which I was charged at the desk. When I asked Chase, they said the time to handle this dispute had in fact expired despite the fact that this whole scenario has taken time between British Airways and Chase both refusing to help, despite this being something they that caused. They charged me twice for {$890.00}, XXXX was cancelled, but I have no idea where the other charge has gone, it's essentially in a XXXX hole, and British Airways do not have the funds either..

British Airways was more helpful than Chase Bank, they just have taken our funds and said too bad because time is expired our funds our lost. There is no accountability from this bank. I don't understand as this was a British Airways Chase Credit Card, yet both institutions are completely neglectful.

They charged me twice for one ticket, refused to pay British Airways for the ticket I used the card for despite making payment, and due to this, I had to repay again to use a ticket in a very stressful situation. 


Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries on my credit report that are not done by me. Please help me to remove these fraud inquiries from my credit report.The inquiries are the folowings 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 Has mistakenly reported that I owe over XXXX $ to the original creditor XXXX XXXX the account number is XXXX the date it was opened is XX/XX/year> but I payed the amount owed in full to the original creditor XX/XX/year>. With that being said it was wrongfully put on my credit report because I dont owe them anything and I have the proof that it was paid in full.
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 witch violate the Customer Financial Act ( CFPA ) Supercialy 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 seek appropriate redress for these violations
Product: Debt collection

This company continues to send me mail about a debt after I asked them to stop. I want this company to stop contacting me about this debt.