23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX a medical flight was taken for our now deceased son and was covered by XXXX XXXX XXXX XXXX. XXXX  XXXX sent us the money for the full amount of the flight, and months later we gave the full amount of the check to XXXX XXXX XXXX for the flight. 
On XX/XX/XXXX, a year later, XXXX  XXXX stated that they over paid us, and now wanted us to repay {$790.00}. We appealed, but during the appeal process XXXX  XXXX kept sending us an overpayment recover letter. 
On XX/XX/XXXX PAyment Resolution Services out of XXXX, TN sent a " Refund Request '' letter stating that for that service we now were in collections for {$790.00}. 
On XX/XX/XXXX a settlement was reached for {$430.00} with Payment Resolution Services and paid, authorization code XXXX. PRS stated a XXXX balance letter would be sent, but never came. Numerous calls were made, 23 to be exact, most to Payment Recovery MAnager, XXXX XXXX. XXXX XXXX never called back or picked up the phone after 11 voice mails. 
On XX/XX/XXXX a second " Refund Request '' letter was sent for the exact same claim, with the same date, but now a PRS account number for exactly double the first amount of {$1500.00}. 
Over 51 phone calls were made between XX/XX/XXXX and XX/XX/XXXX, mostly to XXXX XXXX, and 23 voicemails were left, but no return. An agent, XXXX, stated that these letters are automatically generated, and she has no control over how they are sent to clients. She advised me that I should pay this amount. She stated she saw that my first account was closed out, but would not send me a XXXX balance letter until the second account was paid. She advised that due to COVID-19 I could not come and pick up the letter, I could not have it mailed ( no mail person in the company ), it could not be faxed, and it could not be emailed. I would have to wait for a mail person to be at the company for her to hand deliver the zero balance letter, after the second account was paid. 
XXXX  XXXX representatives have stated that I do NOT owe the second amount of {$1500.00} and they never contacted PRS to collect on this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal complaint that credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify and deleted : 1. Balance of the account is incorrect. Other information I would like changed XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in my credit report. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, Chase is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that Chase would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for Chase to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.
Product: Debt collection

I do not owe this company Portfolio Recovery Associates and I've never had a contract with this company ; and no permissible purpose. 
Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with Experian ( Bankruptcy XXXX ) and their response is this bankruptcy was verified accurate on XX/XX/2021, stating that they have verified the information with XXXX  court XXXX I contacted XXXX Bankruptcy courts and their response is enclosed in this statement. XXXX was unable to verify the accuracy of this bankruptcy and subsequently removed this record from my credit report. Bankruptcy courts does not report any information to the credit bureaus and is NOT responsible for verifying or validating information to consumers credit files. The reporting requirements do comply with the FCRA & 611 ( 15 U.S. & 1681 ) and this information should be deleted immediately.
Product: Vehicle loan or lease

i was a victim of identity theft and was currently incarcerated at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled millions of SSNs, credit card numbers, DOBs, and other personal information for almost half of the United States. After learning about their security breach, they waited almost two months before telling the public, and a few of the executives sold stock before even announcing the events publicly. Additionally, the way EquiFax decided to handle the situation was to provide a free 1 year monitoring of each customer 's information, even though many of these breaches will yield a lifelong threat against identity theft.
Product: Debt collection

I am filing a complaint against RFGI who is representing XXXX. 
I subscribed for 3 months and before the subscription, I contacted them to explain it wasnt working for me, I wasnt matching with anyone and I was basically paying for nothing. They then sent me to collections to attempt to get me to pay for the whole year. I have been hounded by RFGI even after I explained to XXXX that I only subscribed for 3 months and my account was cancelled after the 3 months by XXXX. They are asking me to pay for services they never provided and have RFGI hounding me via email and mail.
Product: Credit reporting

Complaint number XXXX. Federal Law states that the complaint be resolved in 30-days and/or extended only 15 days. 60-days is ILLEGAL. The investigation is being extended another 60-days which is illegal in violation of federal law, Tile 15 USC 1681i ( a ) ( B ) provides in relevant part : Extension of period to reinvestigate : Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an open investigation into EXPERIAN. After repeated attempts to correct the error -- they still refuse to disclose the correct accounts, Un-REPORTED accounts, that could make a huge difference in the credit score they report on my credit. 

It is as if they are DELIBERATING refusing to report the correct information, and continue to list an old account that was never mine, and refuses to delete it. In fact, they updated it. XXXX. 

The other credit agencies investigated this account years ago, and deleted it. 

The Fair Credit Reporting Act, FCRA, 15.U.S.C.1681, states that you may sue a credit reporting agency for negligent or willful non-compliance with the law within 2 years after you discover the harmful behavior. 

I am asking for aggressive action to be taken against Experian. 

Their actions border on discrimination, and I find it odd that the ONLY XXXX accounts that are reported are with Georgia XXXX XXXX XXXX, here in GA, and my car payment. 

WHERE are my federal student loans? Where are my revolving credit cards? Where is the correct information. 

I am escalating this issue because twice before I have spoken with a supervisor at Experian over this same issue, and yet, nothing is done.
Product: Debt collection

Starting the middle of XXXX Source Receivables Management has been harassingly calling me trying to collect over {$300.00} on some XXXX  debt I am not familiar with. Before they started contacting me in XXXX I had filed a previous complaint about this company contacting me asking for someone else back in XXXX. Told them they had the wrong number but, they harassed me and forced me to file a previous complaint against them. Seems this could be retaliation by this company for my previous complaint against them.
Product: Checking or savings account

The figures didn't add up like 'my money was just disappearing
Product: Credit reporting or other personal consumer reports

I wanted reported accounts removed from all creditors ( XXXX, TransUnion, XXXX ). These are the accounts that are inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for the XXXX XXXX XXXX Back American Express credit card to take advantage of the balance transfer promotion that was being offered to new cardholders. They sent out the first card and I did not receive it, when I called to inquire about where the card was they canceled that card and sent a new XXXX. However, they sent the card to the address I specifically asked them NOT to send it to after I had twice provided an alternate address. Again I did not receive that card so they canceled that card and sent me a third card, which I received 2 days AFTER the 30 day window for new cardholders to complete the balance transfer. When I called American Express, I was told there was nothing that could be done and refused to provide me with the offer that was promised to me when I originally applied for the card. The person who I spoke with transferred me to a supervisor who was very rude and condescending and whose name was XXXX XXXX XXXX ID XXXX ). I explained to her that I had tried to make the balance transfer but was told I could not do so until I had received the card and that the reason why I had not received the card was the fault of Amex and not me, she again told me there was nothing that I could do about it and said I would not be allowed to speak with another supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attachments for instructions please.
Product: Student loan

I have a loan that was disbursed on XX/XX/19. We were unsure how much we would need to cover all of our costs, and as has happened multiple times in the past, and thus ended up having more money than we needed. As we have every time this has occurred, we paid the excess money back to the loan within the first 120 days. We have had multiple conversations with Nelnet, our loan servicer, over the years when this has happened, to please apply 100 % of the money we repay to the PRINCIPAL of the loan, as we are not actually borrowing this money, but repaying money we did not need to borrow. On XX/XX/19, within 120 days of the disbursement of the loan, we repaid the money we received in excess of our needs, making a payment if {$7300.00}. They applied the majority of the payment to the principal of the loan, but they applied {$270.00} to interest. I have contacted them and requested them to immediately apply this amount that was incorrectly applied to interest to the principal of the loan, as per all of our previous conversations.
Product: Mortgage

Duty pursuant to the FCRA , it is XXXX  to be reporting correct and accurate information on my credit report and
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, PA XXXX [ Date ] XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Credit Reporting Agency, I am writing to formally dispute the following inaccuracies on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). My full name is XXXX XXXX, and my date of birth is XX/XX/year>. My address is XXXX XXXX XXXX, XXXX, PA XXXX. The following accounts are being reported incorrectly, and I request that they be investigated and removed from my credit profile within 30 days : XXXX Funding ( Account Number : XXXX ) - Collection/Chargeoff XXXX XXXX ( Account XXXX : XXXX ) - Collection/Chargeoff XXXX ( Account Number : XXXX ) - Collection/Chargeoff XXXXXXXX XXXX XXXX Account Number : XXXX ) - Collection/Chargeoff I believe these accounts are inaccurate and do not belong to me. I have attached any supporting documentation that may assist in your investigation. Under the FCRA, I am entitled to a complete investigation of my dispute, and I request a written response detailing the outcome of your investigation. Please ensure that these inaccuracies are promptly corrected or removed from my credit report. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate and outdated items on my credit report, as listed by Equifax and XXXX. These accounts have previously been reviewed and removed by XXXX following my successful dispute, yet they continue to appear on my reports with Equifax and XXXX. This inconsistency has caused significant confusion and impacted my credit score unnecessarily, despite XXXX determination that the accounts were inaccurate and should not be reflected on my credit profile. Given the Fair Credit Reporting Act 's stipulations, it is within my rights to request that Equifax and XXXX remove these same accounts in compliance with XXXX 's findings and to ensure accuracy and fairness across all reports. 

Please consider this as a formal request for Equifax and XXXX to conduct an immediate investigation into these disputed items. I have included copies of my updated XXXX report that reflect the removal of the disputed accounts, and I am seeking equitable treatment from all bureaus. The presence of these incorrect accounts has already led to undue financial stress and difficulty securing favorable credit terms. I expect Equifax and XXXX to take prompt action to resolve this matter and provide an updated credit report reflecting the accurate information as reviewed by XXXX. Thank you for your attention and assistance in resolving this issue fairly. 

following accounts need to be removed :. XXXX XXXX BANK** Account Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Balance : {$370.00} XXXX XXXX XXXX/ XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX
Product: Mortgage

My complaint is for MR Cooper. I originally applied for the modification on XX/XX/XXXX I received a notice on XX/XX/XXXX that i was missing documents I sent the missing docs on XX/XX/XXXX and on XXXX I received the complete acknowledgement letter stating that my package was deemed complete and they were going to evaluate in 30 days. They then told me ( never received a letter ) on XXXX that I was missing a document I provided the document and Mr Cooper XXXX acknowledge the doc until 20 days letter and that was only because I told them I was going to file a complaint with the cfpb they proceeded to send another complete acknowledgement letter deeming my application complete on XX/XX/XXXX I guess that was to cover themselves because BY LAW they have 30 days to evaluate once the documents are received I was XXXX payment past due when I originally applied and I am now XXXX payments behind my plan is to reach out to my stte attorney general with these letters because they have exceeded the timefram with my request please see attachmennts as well
Product: Checking or savings account

Chime closed my account and won't give me my $ XXXX was closed on XX/XX/year> and I have not received my money to date. I've called daily to try resolve it but nothing
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for funding on XX/XX/year>. The funds were bot available. I reached out that evening and was not able to make contact. I selected email as a way for them to contact me. I never received a reply. I reached out again on XX/XX/year>. I waited for someone for 30 minutes and they said they are working on the issue. She gave me some ways to troubleshoot that did not work. I responded to the email follow up for that conversation three times and they closed it saying I had not responded. On Sunday, XX/XX/year>, received an email stating the loan was due in 5 days. I reached out again on XX/XX/year> and they told me they escalated my case so that the loan could be closed out. I was told I would hear back in a day. I reached out again this morning, XX/XX/year>, to find out what was going on. I got the same generic responses and was told they are working on it. 8 hours later the loan is still active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file that does not belong to me. If you can not prove that these accounts belong to me ( which is impossible because they are not mine ) than they must be removed by law.

XXXX   COLLECTIONS : INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTIONS : - XXXX - XX/XX/XXXX - {$40.00} - XXXX XXXX - XXXX  - XXXX XXXX XX/XX/XXXX - {$170.00} INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX COLLECTIONS : INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was purchasing a service product and was given a Zelle account for the transaction and never received or rendered the services I then called service provider and was told the Zelle transaction was fraudulent. I then contacted my financial institution about the transaction to complete a dispute and was immediately told that no further action was possible due to Zelle does not allow refunds. I was told to always just verify the payment method before sending. So I was not able to receive a refund for XXXX
Product: Credit card or prepaid card

Membership ends in XXXX XXXX, however, rewards cash is not available until XXXX of 2019. If I do not renew my XXXX membership I must forfeit my rewards cash earned. Due to the timing, this creates an Unfair practice ( and potential deceptive, due to the placement of the disclosure ). Material harm is that I am not able to access reward dollars I have earned.
Product: Credit reporting or other personal consumer reports

In accordance with FRCA, XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX  Account # XXXX I have read from FTC & CFPB if by chance consumer finds mistakes on their credit report, they have the rights to make every possible legal way to make these reports accurate. With that, being said, the above account should CLOSED. I also understand you have 30 days to complete this investigation. 

The original loan was paid in full on XXXX XX/XX/2023 and the accurate notation should reflect CLOSED ; not OPEN in the Account Condition, and PAID IN FULL, in the Remarks field. I demand these inaccuracies to be removed and updated immediately
Product: Credit card or prepaid card

I paid off the XXXX XXXX credit card ( popular credit services ), and then contacted company to close account, and received confirmation letter from company on XX/XX/2021. 

I received a bill for {$2.00} in XXXX indicating that I owed this amount. Having closed the account ( and confirmed ) in XXXX, I was confused. 

I contacted the company by phone on XX/XX/2021. I stated the closure, and they even said that it was closed, but that I owed the {$2.00} to finalize it. I was furious, but I paid it. It has cleared my bank. 

Today, XX/XX/XXXX, I have received another email saying that my statement is ready. What statement? I clearly have proof that my account is closed, paid it in full, and yet they refuse to close my account. 

I feel that they are just hassling me, and I need assistance.
Product: Debt collection

Midland is on my credit reporting and been negatively reporting for years on a debt thats not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX XXXX