23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This complaint about Aspire, https : //www.aspire.com/, my account number ending in XXXX. 

On XX/XX/year> XXXX issued payment for a balance transfer to Aspire to consolidate my outstanding debt. On XX/XX/year>, I messaged via their chat portal to confirm if they have received the payment, since it did not show on their portal. Aspire informed me they did not accept balance transfers and it was against my card holder terms agreement. I requested a copy of my card holder terms agreement via email and mail, which the representative informed me would take XXXX business days to receive by email. On XX/XX/year>, I called back to inquire about the balance transfer payment from XXXX, as it hadnt been returned and I havent received my card holder terms agreement yet. The representative informed me again on the call I was not allowed to use a balance transfer to pay off my credit card balance with Aspire. On XX/XX/year> I logged in to my account, which was the last day to make a payment to avoid late fee. I had an autopay schedule for {$84.00} and I made a payment for {$1600.00} to pay off my card to avoid interest and fees in the next statement period. On XX/XX/year> I logged in to check my payments had posted, Aspire had then back posted the check from XXXX for {$1700.00} reflecting a payment date of XX/XX/year> which was not previously reflected on my account on XX/XX/year> and did not post my auto payment for {$84.00}. I called Aspire on XX/XX/year> to again inquire about the balance transfer payment they posted after they told me twice they would reject the check because it wasnt an option for my account. I requested my card holder terms agreement again, the representative said i would have to wait XXXX business day and if i still hadnt received it to call back and request it again. I told him I requested it on XX/XX/year>, he then stated it was emailed to me on XX/XX/year>, but I have no emails. I proceeded to request they send it again via email and mail and close my account immediately. I also requested a refund for the {$1600.00} payment, which they stated would be returned via check to my address with in 14 business days.

This complaint is to address if a credit card company is allowed to deny a balance transfer payment in an effort to consolidate debt. Also, why was there a 14 days delay in applying the payment after I was told the payment would not be applied? Finally, why is there a 14 day delay in returning the double payment? These behaviors by Aspire seem predatory and prevent me from getting relief from debt. None of the other cards that I used in this debt consolidation method had problems accepting and applying the payment in a timely manner.
Product: Debt collection

lab bill sent - lst time receiving any bill now stating collections dept of justice federal investigation into allegations of fraud, conspiracy and physician kickbacks between XXXX labs and my XXXX physician. I am disputing theses debt because I do not owe them. the office of my XXXX physician voluntarily elected to send my XXXX to creditors XXXX labs I never enterd any XXXX contract or agreement with them .upon the submission of my health insurance card to my physicians office it becomes their responsibility as network provider to submit any services to the appropriate in network lab. any practice to submit to out of network lab was beyond my control and was without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. My problem is an account with the XXXX company, this account only appears on my credit report with Experian, I have already tried to fix this problem with Experian by submitting an FTC report but Experian refuses to remove this account from my report because they say that the account is already paid, this is about identity theft or some confusion because this XXXX account is not mine they told me I had to talk to XXXX but XXXX says that I do not have accounts with us. I'm in the middle of a problem that I don't know how to solve, the last thing I do was a police report.
Product: Credit reporting or other personal consumer reports

I had reach out to Experian XX/XX/year>. They claim my report was accurate and it wasnt nothing invalid.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hollway Credit keeps billing me for a service that I had insurance on file to cover. Its been reported since 2017. Mutiple incorrect spellings of my birth name and current address are still being shown on credit report after providing proper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 companies reporting XXXX XXXX XXXX collections on my credit report for the amount XXXX. One company is from XXXX XXXX the other is from credence resource management. Im not familiar with any of these companies. I dont owe them anything and now it looks fraudulent. I havent had a service with XXXX XXXX XXXX since 2017. The dates and amounts are inaccurate and the companies are unrecognizable, and Ive never did business with them
Product: Credit reporting or other personal consumer reports

I have a card I had to put XXXX $ on I had the card for 2 or 3 yrs I git it to boost my score XXXX keep it low so my utilization will be low if I do use a high amount I pay it right away away or two every time my score starts rising and I mean XXXX a fraudulent charge of XXXX to XXXX dollars always appear either its a straight XXXX something dollars or little purchases to equal up to XXXX or XXXX dollars no more then my score automatically drops XXXX or more points and once the credit card company fixes the problem the credit agencies XXXX, TRANSUNION,XXXX NEVER FIXES THEM BACK TO WHERE IT WAS BEFORE THE FRAUDULENT ACTIVITY STARTED this has happened constantly for the past XXXXyrs I have been trying to fix my credit this problem has kept me obtaining financial independence and this needs to be fixed and held accountable for hat they are doing and put things back the way it was so people can have the American dream and be rewarded for being financially responsible
Product: Credit reporting or other personal consumer reports

I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your XXXX of XXXX. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ) and BK OF AMER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) and BK OF AMER with no successful resolution. There was definitely an error on their part.
Product: Student loan

Everything is paid off and no debt on Credit file except the last bit of my student loan that I was paying on. My score was in the XXXX. My account was closed out and transferred to AidVantage as they now service all student loans. They never reported the loan or payments which caused me to now have no XXXX XXXX ( due to nothing to score ) I've waited months for them to report and even waited on hold for days to speak to someone. He basically told me they'll get around to it and told me to report it myself ( which there are no means to do so ). They are still refusing to report my account in good standing or my well ahead of time payments. I am unable to finance a vehicle or obtain ANY credit products, I am now a ghost.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute alleged late payments reported on my account.This late payment was reported by XXXX XXXX XXXX  to credit reporting agencies XXXX, TransUnion and XXXX. I believe these entries are inaccurate as the payment dates and transactions have errors.I do not believe the creditor has followed legal requirements to report such under the Fair Credit Reporting ACT and related laws.

Legal Basis for Dispute : Under 15 USC 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report.As such, any transaction between myself and XXXX XXXX regarding this account should not be included in my consumer credit report.

Under 15 USC Code 1681a ( 2 ) A ( ii ), 1666b and 1637b, the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request For Action : If XXXX XXXX can not provide necessary proof of mailing the required information, I request that these late payments be deleted from my credit report.Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice.

Late Payment ( s ) in Question XXXX, XXXX, XXXX, XXXX, XX/XX/year>. 

Thank you for your prompt action to this matter. I look forward to your response and justification that these illegal and inaccurate late payments have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Debt collection

This is not my account nor have I ever signed a contract or done business with this company.

According to FRCA 605b, it is legal to report any inaccurate information on my credit report.please remove this negative item. Thank you
Product: Vehicle loan or lease

I purchased a motorcyle in 2006 and the dealership financed it through HSBC. I paid it off in XX/XX/XXXX and sent a small refund for overpayment on XX/XX/XXXX. In XXXX of XXXX I decided to sell my motorcycles and get duplicate titles. I learned the HSBC still has a XXXXien on my bike and I had to have then issue a " lein release ''. have called HSBC repeatedly and sent the letters for the lien release. I have not had any response from my letters and I have been repeatedly put on hold then ultimately disconnected. The last letter I sent via their instructions has also been met with no response. HSBC has not only been unhelpful they have been dismissive as well.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

wells fargo XXXX XXXX cra violation not mine id theft victim sent po report XXXX
Product: Debt collection

On XX/XX/2021 I received a notification from experian about a collection from Foster and Monroe LLC in the amount of {$37.00}, XXXX. I have no knowledge of this debt and nor have I ever received any type of correspondence from them. I have not spoken to the company and I would prefer not to unless I have an attorney involved due illegal tactics that could be used to attempt to make me liable for this rogue debt. If in fact that it was something on my end, there has been no type of records whatsoever sent to me or any telephone calls. I have filed a complaint with the better business bureau and filed a dispute with experian in order to have this removed from my credit immediately. This should have never been put on my credit profile due to no communication efforts or any verification by mail from this organization. The end result I would graciously like to have is it deleted from my credit profile.
Product: Mortgage

Ditech is the mortgage holder on my property at XXXX XXXX XXXX. XXXX XXXX PA XXXX.I am a XXXX XXXX XXXX XXXX.I received my award form the VA last year.Included in my rarting is exemption from real estate taxes on most of my property.I still do pay for an additional XXXX acres of my property.When i submitted my paperwork to Ditech about the exemption it took quite awhile almost a year for them to lower my escrow payments to adjust for the lesser taxes i will pay.Ok they lowered escrow payments but now they are always late paying my real estate taxes.They are now late for a payment that was due XXXX XXXX, 2016. I have called them numerous times ( their tax department ) and it is to no avail .I have submitted to them the times and payment amounts for my taxes.They are still paying late and i am assured they are paying the late fees but i dont believe them.I need them to get their act together and pay my real estate taxes on time.
Product: Checking or savings account

On XX/XX/XXXX I transferred {$1700.00} from my USAA savings account to my XXXX checking account. I mistakenly chose my XXXX account that had been closed XX/XX/XXXX. I immediately contacted both XXXX and USAA. XXXX verified that the account had been closed and the {$1700.00} would go right back to USAA. USAA assisted in a dispute for me. Unfortunately the {$1700.00} did not go back to my USAA account. After several calls to USAA and in person meetings at XXXX, it was discovered that the {$1700.00} was sent to my ex-husband 's XXXX account. I had no association to this account at all. XXXX says USAA made the mistake and USAA claims the mistake was made by XXXX. The mistake was definitely not mine. XXXX says they have proof that the {$1700.00} was returned to XXXX, and USAA sent it to my ex-husband 's account. USAA sent XXXX an XXXX stating the {$1700.00} was sent in error.
Product: Credit reporting

Experian has fail to provide me with accurate and timely dipute results on negative unverifiable information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft someone has been using my personal information to open accounts. I recently in XXXX disputed this fraudulent information that is on my credit report namely an account with XXXX XXXX XXXX account # XXXX which was opened on XX/XX/2016 in the amount of {$31000.00}. I have written and provided them with my Police Report and my FTC report which is clearly informing them that these accounts are fraudulent.
Product: Debt collection

I was placed in collection from a collection agency for XXXX medical bills. I had medicare at the time and my out of pocket expense was {$140.00} which I paid to XXXX. After that any bills that were incurred were paid by medicare. I have XXXX collection accounts on my credit reports that should not be there. XXXX is for XXXX and the other XXXX is for XXXX. First off how can this collection agency place me for collection twice? is n't that double dipping? As I mentioned earlier I paid the initial {$140.00}. I should have not been placed in collection for these XXXX medical bills. I contacted Medicare in regards to this issue as it is affecting my credit and was told both bills were paid. I am disputing this information on my credit reports as I want them removed as they are affecting me in obtaining credit.
Product: Debt collection

I found out my minor child have credit with this company i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL
Product: Credit card or prepaid card

I received a statement for the amount of {$99.00} that was done on XX/XX/2019. ( please see attached invoice ) .this is with XXXX   XXXX macy 's card which I rarely used.I contacted customer service immediately after I received the statement and spoke to XXXX on XX/XX/2019 @ XXXX XXXX  she offered t open a dispute for the charges and cancelled the credit card. I received letters from macy 's on XX/XX/XXXX, XXXX & XXXX about the investigation.but no resolution. ( please see attached letters ) .on XX/XX/XXXX I received a 2nd statement with the same amount of {$99.00} for the same item purchased in XXXX. i called Macy ; s customer service and I was on hold for over an hour without being able to talk to a live person. If Macy 's have made the investigation on the purchase I would like to know the name of the store, location and city. I know I did not use the credit card to purchase a XXXX XXXX. I have no need for it and if I did I had gone to XXXX XXXX and use their card. 
I take care of my credit and this is important to me but I do not wish to pay for something I did not purchase.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX XXXX I tried to view my credit report using XXXX XXXX my Fico score is XXXX then says deceased or not enough information on file i called life lock who then said to reach out to these places and i did I haven t been able to fix this its been over a month also at this current time someone. Is pretending to be me trying to get pay day loans. Also my husbands and my personal info is on the dark web XXXX XXXX XXXX XXXX XXXX XXXX I can't login to my XXXX XXXX  account due to a data breach. I just found out about the XXXX settlement my husband and my info impacted by these events. In having trouble getting any kind of help to restore identity and receive what us rightfully ours from the cases.
Product: Credit reporting or other personal consumer reports

A Debt collection of {$470.00} on my credit report and that wasnt mine.Inaccuracy of my credit score report.i contacted the credit bureau and disputed but they denied my dispute.Am making a dispute under the fair act now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my credit report are in accurate
Product: Debt collection

I have contacted this collection agency to inform them that this is a result of identity theft and that this debt that they placed on my credit account is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection letter from : MCA Collection Agency XXXX XXXX XXXX XXXX MO. XXXX on behalf of XXXX XXXX acct # XXXX. 

Thier Letter stated that I had 3 days to dispute which I did, I also requested a copy of the receipt/work order from date of installation. I received no reply and they reported it to XXXX Credit Reporting. 

I disputed with XXXX, asking for the same documents and they replied it's my debt and no documents.
Product: Money transfer, virtual currency, or money service

I am writing 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 me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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 lacks of accountability and transparency is unacceptable and raises serious concern about consumer safety.