23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

American Account & Advisors @ XXXX who is an out of network provider is trying to collect on a medical bill without my authorization and violating my rights per the " no surprise act of 2022 ''. They have inaccurate information on my credit report that I need removed ASAP. 

Thanks for your assistance. 

XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX called me XX/XX/XXXX to say I owed {$1000.00} To XXXX -- They offered to settle the debt in payments for 6 months that would amount to {$1800.00}. I told them I could pay {$1000.00} on the first to clear debt. Name of company if you dial it is SCI. But I was not sure what I owed XXXX since before I had a care giver XXXX XXXX to help with my finances and keep track of payments. Since I have had several XXXX XXXX and XXXX XXXX. Also on line is proof I was recently XXXX in the XXXX with a XXXX XXXX by my dog that XXXX  my XXXX and XXXX my XXXX XXXX and XXXX XXXX XXXX leaving an ounce of lead shot in my XXXX. Needless to say this has been hard without a care giver. You know I was not thinking so I called that number back and I explained that I am not sure if I am being scammed and I want to call XXXX to be sure this company is legit. I also want to know for sure I owe this amount because I am not sure in my mind if I owe money or the amount if I do. 

I called XXXX several times, some problem here with memory and did not answer their security question right but finally got through and then they needed me to send an ID photo which I did. Yet they will not give me the amount I owe and even after getting through and sending the ID. Maybe XXXX can justify the record of 5 different phone conversations I have had trying to get my information and their getting me to verify by sending them a copy of my valid ID but for a senior I would not advise you to be a customer with them. The hours I have spent are frustrating just only to get information to verify if SCI is their debt collecting company and if {$1000.00} one time payment or {$1800.00} in six payments is justified to pay off what I owe and if {$1000.00} is really the amount I owe. XXXX has up to now refused to tell me anything even with all the proof I have given. XXXX phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from Experian this morning regarding the completion of disputes regarding the prior complaints I submitted using this site. 

Complaint # : XXXX ; XXXX To my surprise, many items that do not belong to me are still reported on my credit report. 

Each account was updated with the status : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

By law, I can request a copy of what these companies have provided to Experian that verifies this information to be accurate. 

Attached you'll find a screenshot of all the accounts that are in question. 

I'm asking Experian to provide me with the information they received from the company that Experian used to verify the accuracy of such accounts. 

There's also an incorrect address that I've never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this incorrect address.
Product: Money transfer, virtual currency, or money service

At XXXX and XXXX XX/XX/2024, I had sent two {$40.00} payments for two event tickets that were promised over XXXX. The connected name of the XXXX account was XXXX XXXX and the connected email of the account is XXXX. XXXX associated numbers with the scammer are ( XXXX ) XXXX and ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Fraudulent Account Failure to Investigate by XXXX and American Express Details of the Complaint : Dear Consumer Financial Protection Bureau, I am filing a complaint against both XXXX and American Express for failing to adequately address a fraudulent account that was opened in my name without my authorization. 


Fraudulent Account Details : - Account Name : American Express - Account Number : XXXX - Date Opened : XX/XX/year> - Status : Closed/Never Late ( Not opened or authorized by me ) Attempts to Resolve with XXXX : I contacted XXXX to dispute this fraudulent account and informed them that I did not open or authorize it. Despite this, XXXX has refused to remove the account from my credit report. 

1. Failure to Investigate : XXXX did not request any additional information or documents from me to validate my dispute.

2. Lack of Compliance : Their refusal to remove the account demonstrates a failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation into disputed accounts. 

Attempts to Resolve with American Express : I also contacted American Express to report the fraudulent account. However : XXXX. No Action Taken : American Express has not provided sufficient resolution or explanation regarding how this account was opened in my name without my authorization. 
2. Failure to Verify Identity : American Express did not adequately verify my identity before allowing the account to be opened, which contributed to this fraud. 


Impact of XXXX and XXXX XXXX Failures : The failures of both XXXX and American Express to address this fraudulent account have caused the following harm : - My credit report remains inaccurate, potentially affecting my ability to obtain credit or loans. 
- The ongoing presence of this fraudulent account has caused me significant stress and frustration. 


Resolution Sought : I am requesting the CFPB to investigate this matter and require : XXXX. XXXX : - Conduct a thorough investigation into the fraudulent account. 
- Remove the account from my credit report immediately. 
- Improve their dispute-handling process to ensure compliance with the FCRA. 
2. American Express : - Investigate how this account was fraudulently opened in my name. 
- Provide a clear explanation and documentation of the application process for the account. 
- Strengthen their identity verification processes to prevent similar fraud in the future. 


Thank you for your assistance in resolving this matter. 

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

On experian XXXX and XXXX XXXX XXXX is reporting late payments. I paid 2 months at once and requested to have it paid a month in advance. The employee did not do this correctly and put it to pdiceable causing months to be late with out me knowing. I have contacted them. Since the account is paid in full they said they will not change it.
Product: Debt collection

I am being harassed by the CCS Companies, the phone number they are using to harass me is XXXX or XXXX of their many affiliates " SPOOF '' numbers. They have been calling me for the last 25 days, they are trying to collect a debt I do not owe. I am not the person they are looking for and I am not the person who owes the debt. 

They call XXXX three times a day including Saturdays at all odd hours. Their actions are those of an omnipotent cartel with a national reach, trying to collect on a bad debts with a management philosophy that is ruthless, relentless and as determined as that XXXX ; with no regards to the innocent lives they destroy. I am tired of their unwarranted harassment and abuse. I am afraid to pick up the phone when they call because they can be very impolite and aggressive. I suspect they are trying to pressure me into paying a debt I do not owe. 

Below I have listed the dates and the number of calls per day from their XXXX number : XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Call XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls The above listed calls from XXXX does not include over XXXX " SPOOF '' numbers I suspect they have used to call me.
Product: Debt collection

On XX/XX/XXXX I called XXXX to have WiFi internet installed into my New York address. I was clear with the sales agent that I did not want to pay for the installation nor equipment, and the sales agent told me they could do that. 

I was not overly thrilled with the service and received XXXX bill from XXXX the following month, which was not paid immediately, so the service was disconnected sometime between XX/XX/XXXX to XXXX, XXXX. I left this address on XX/XX/XXXX aware that I owed XXXX month of service but nothing more. I didnt think they would charge me anything further as the service was deactivated, no longer in use. 

Once I had relocated to my new home in California, I received a call from a debt collector about this bill in XX/XX/XXXX. I didnt understand the charges but I knew the amount for {$300.00} for XXXX days service was incorrect. When I called XXXX they told me they had sent my account to a third party debt collector and it was out of their hands, that they couldnt do anything. I asked to dispute the charges and they said they would contact me back, I never received any call-back or email, nor voicemail. 

Now that Im trying to upgrade my bank account they tell me somethings popping up with my SSN and so I called XXXX in XX/XX/XXXX and was told the charges were for the equipment that I never returned, but I was never informed upfront about any equipment charges nor that I had to return them. I told them again I wanted to dispute the charges and was told somebody would get back to me, but again I never received a call, email or voicemail ( a voicemail I could respond to ). 

I called XXXX today to discuss the disputed charges and was told I should have known to cancel my account after they had already deactivated it, and that I should know to return the equipment and that I should know I will get charged for them. Not when I was told on XX/XX/XXXX that the equipment was no charge upfront and that I would not be charged. XXXX can not provide me with the exact dates my service was active, and say they did not cancel my account until XX/XX/XXXX, which is XXXX months after they deactivated my service. 

I told XXXX that I believe I am liable to pay for the XXXX days the Internet was active, but not for the other charges that I did not agree to nor were unaware of, nor that they would charge me these extra charges at a later date. XXXX tell me they only added the charges onto my account in once they cancelled it! And then failed to inform me of this information, I found out through their third party debt collector, IC Systems. Obviously, Im not going to pay the debt collector, nor any XXXX bill, until Ive resolved these charges that I never agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX. I am not liable for this debt and do not have a contract with XXXX XXXX  XXXX. They did not provide me with the original application I requested. 

XXXX XXXX account # XXXX. I am not liable for this debt and do not have a contract with XXXX XXXX. They did not provide me with the original application I requested.
Product: Credit reporting or other personal consumer reports

I noticed there were some unverifiable items on my credit report also unauthorized inquireis. These items have never been verified. They do not belong on my report.
Product: Vehicle loan or lease

Hello, I financed a vehicle from XXXX of XXXX XXXX on XX/XX/XXXX. The amount of the car was {$11000.00} plus tax and fees, the total came up to {$16000.00} and I paid XXXX of XXXX XXXX {$2000.00} cash as my downpayment. So the remaining amount is {$14000.00}, and XXXX of XXXX and I agreed on {$330.00} as my monthly payments for 48 months. My loan got approved by Chase Auto and I received a statement of my Chase Auto account on XX/XX/XXXX and its showing my loan amount as {$16000.00} and my monthly payments {$380.00} for 48 months. I called XXXX of XXXX XXXX the same day and texted my salesperson and explained them what happened, they asked me to come in at their dealership so they can take a look and try to resolve this. So I went there, they said everything is correct from their end, and I should call Chase Auto and see what happened. I called Chase Auto that same day but could not get ahold of anyone. I had been calling them since but unfortunately their office was closed. I finally was able to talk to a Chase Auto representative on XX/XX/XXXX and explained them what happened, they told me that it does not show the {$2000.00} downpayment in their record, but I told them that it does show the {$2000.00} downpayment on my contract, Chase Auto asked me to call XXXX of XXXX XXXX and have them send Chase Auto another copy of the contract. I called my salesperson from XXXX of XXXX XXXX again on XX/XX/XXXX and told him what Chase Auto said about the {$2000.00} downpayment. He said that XXXX of XXXX XXXX sent Chase Auto the same contract that I have. I have no idea what to do now. I have tried everything I could.
Product: Checking or savings account

XX/XX/XXXX I had {$3200.00} held in my Chase Bank account for a legal order. XX/XX/XXXX the funds were instructed to be released back to my account per issuing attorney. XX/XX/XXXX collecting XXXX also sent a release of funds and on XX/XX/XXXX XXXX confirmed with XXXX release of funds had been received and would be processed within XXXX to XXXX business days. Issuing XXXX spoke with Chase bank Chase did not have the release of funds. XXXX was told if documentation was faxed over to Chase by XXXX XXXX the release would be processed immediately. XXXX XXXX resent the release today, XX/XX/XXXX on the conditions set by Chase and funds are still held. XXXX spoke to Chase again today at XXXX XXXX and XXXX XXXX told it would take XXXX business days to process release. Chase has been holding my funds in error for over a week. Chase was informed these funds were issued to XXXX treatments.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

There are third party XXXX collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act. 
XXXX XXXX XXXX XXXX # 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: Debt collection

Letters were sent to XXXX XXXX XXXX In regards to a Walmart rewards credit card issued by synchrony bank. The card was purchased by XXXX  XXXX. And then sold to a collector XXXX XXXX XXXX. XXXX XXXX has disclosed false information on my credit report stating I owe synchrony bank XXXX dollars. The information was disputed in accordance with FCRA Requirements and two letters were mailed with tracking to XXXX XXXX  asking for verification license numbers, how they came up with this debt and how they verified I owed them the debt. The response received was a statement from XXXX  XXXX. This is not from the creditor that is listed on the credit report which states synchrony bank. I have given XXXX XXXX more than 60 days to resolve and they have failed to do so. At this time I am asking they be investigated for fraud and violations of FCRA and remove any damaging false information that has been added to my credit report.
Product: Debt collection

Company failed to provide me with the information I requested. I do not have any contract with this company.
Product: Money transfer, virtual currency, or money service

I am writing to to formally express my concerns regarding Zelles 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 that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating 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.A. & & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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 or other personal consumer reports

I am requested that XXXX and TRANSUNION delete an item on my credit report that has been inaccurately reported. Specifically, the item in question has been removed from my report by XXXX credit bureau, after they completed their investigation they found the information was inaccurate and unverifiable. 
Company XXXX XXXX Account # XXXX I am demanding that XXXX and TRANSUNION Delete this account from my credit file due to the following inaccuracies. XXXX report this account as open collection. TRANSUNION report this account as closed and charged off. While XXXX deleted this inaccurate account from my credit file. I previously requested for this account to be deleted from my credit file. However, XXXX and TRANSUNION responded back that the account was verified and they updated it in my credit file. I requested that they provide me documentation of the verified account, but XXXX and TRANSUNION both refused to provide me documentation and verifiable information. As a consumer its my right under FCRA to be provided such requested documentation and also everything on in credit file must be accurate and verifiable. Credit agencies are required to only report accurate information in a consumers credit files.
Product: Credit reporting or other personal consumer reports

Equifax is reporting fraudulent accounts to my credit report. I have been a victim of identity theft and there are fraudulent accounts that were open in my name that appears on my credit report. The following fraudulent accounts that appear are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /I am not liable for this debt with XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX not have any contract with XXXXXXXX XXXX. I have never had an account with none of these companies. Cease the reporting of the fraudulent items being reporting immediately. I am not liable for this debt. Please remove the fraudulent accounts listed above upon receiving this document.
Product: Credit reporting or other personal consumer reports

XXXX reporting a debt against me that a ) never sent proper notice of my rights and b ) clearly depicts incorrect social security number
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 120 days past due as of XXXX 2010 90 days past due as of XXXX 2010 60 days past due as of XXXX 2010 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX  XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit card or prepaid card

Whenever I called they wouldnt issue a replacement card when I saw charges that werent mines they credit some but not all. And eventually they made it where some how they couldnt verify me and told me that I have to call them with my work phone and after months I stopped trying but still made on time payments. Not they told me I havent made a payment with them well Im not able to access my account and Im not able to pay what I cant see even once I paid for it theres no available credit that I can use its Messed up
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT SYSTEM ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards Experian, XXXX, and XXXX for infringing on upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.