23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICES was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623,  subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA . Also PHOENIX FINANCIAL SERVICES has in fact re-aged an account the doesnt even belong to me. They failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation. PHOENIX FINANCIAL SERVICES is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where PHOENIX FINANCIAL SERVICES is in compliance with OHIO LAW. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. PHOENIX FINANCIAL SERVICES. has not even tried to contact me regarding this ACCOUNT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

I keep getting calls from Midland Credit XXXX. They call multiple times a day with different XXXX numbers. When you inquire about the issue they do not give you enough information. They say this is about general collections, they give no creditor they are collecting for or any way to dispute their entry. They have bought my charged off debts and are not disclosing any information on resolving them. Midland just says that this is an attempt to collect a debt but does not give you anything else.
Product: Mortgage

I have tried to print my mortgage statements from US Bank Online and the system has been down for 4 days. 

Can my 3 months of mortgage statements be emailed to me XXXX
Product: Credit card or prepaid card

On XX/XX/ I arrived in XXXX, XXXX. I was waiting for a taxi and was approached by a man in a blue uniform. I was taken to a car and as we left the airport was asked to provide my credit card. I did that but then became suspicious when they would not issue a receipt. I immediately called my credit card company to report the problem. 

The credit card company Capital One removed the charge which was {$6300.00} from my statement. They sent me paperwork which I completed. The charge then reappeared several months later. I again called the company and the charge was again removed. 

The charge has now reappeared on my statement and the company refuses to remove it. I am a XXXX XXXX XXXX XXXX  of age and can not pay this amount. I have searched the internet trying to find out about this company but have been unable to locate any such merchant. The number listed on the initial charge was not a working number. 

The credit card company says since I can not prove I did not receive service they must get payment from me. Please help me resolve this matter. The original card was cancelled. It ended in XXXX. They issued a new card which is listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I have filed a direct dispute with XXXX failed to protect my consumer rights they also failed to do a clear investigation and did not provide any proof to me I am a. Victim of identity theft as the supporting documentation can attest as such it should be clicked from appearing on my credit report.pursuant to. Section 605 B of the hair credit reporting act Im now taking full action to sue XXXX And Transuion for failing to comply and also failing to delete fraudulent information and they did not protect my consumer rights also Transuion failed to remove all fraudulent hard inquiries and open accounts that were opened without my consent as I did supply police report and theft affidavit
Product: Student loan

I borrowed {$46000.00} total by the end of my bachlor 's degree I was on medical bed rest three times during the last 12 years and while I repaid the loan as I could when I was working and sent in full disclosure tax documents to my lenders, they have defaulted me twice, and are threatening to do it again I just want to get the original loan paid, {$46000.00} turned into an {$83000.00} debt, and I am not a doctor, and consequently did n't quite complete the XXXX XXXX XXXX XXXX that I was pursuing. 
It 's a mess. 
Thanks again for your time. 
XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some item resolve, closed, charged off, paid off and clear on XXXX. Still showing on my credit report. I contact credit card company and they can not help me, because they already received payment and account has been closed. Credit bureau is not removing it from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX showing on my report as Red flag. Which is costing me lower credit score, unable to buy car and many other issues. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ID number : XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report : Account Number : XXXX Bank of America I'm the victim of identity theft and I don't recognize XXXX or more of the accounts on my report. 
Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in m credit report by [ Experian XXXX of the Dispute : 1. Incorrect Name : My current legal name is [ XXXX XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX XXXX, XXXX XXXX ]. I request that my name be updated to reflect the correct information 2. Outdated Address : My current residential address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX } while my credit report shows an outdated address of - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX request that [ Experian investigate this matter and provide me with written confirmation once th ipdates have been made. Additionally, I would like to receive an updated copy of my credit report reflectin these changes.

Contact Information : If you require further information or documentation, please do not hesitate to contact me at [ XXXX ] or by email at [ XXXX ]. 
Thank you for your prompt attention to this matter
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.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. 

These are the accounts that Ive marked as inaccurate : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit acceptance charges a usury interest rate of 23 % that compounds daily. I did not agree to that rate or the incorrect financed amount they claim that I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

A car dealership submitted car application for my daughter with her name, my social security number and birthdate. I did not give them my information and did not offer to be a co-signer. I did not know until I received a credit alert email. I submitted a dispute on XXXX and Transunion. I spoke to someone using Transunion chat feature and they promised to escalate the matter. Transunion returned the call but I missed it and when I called the number back Transunion refuses to take this information off of my report even though my credit report now clearly shows my daughters name on MY report as an inquiry. There is no way to dispute inquiries on the website.
Product: Debt collection

The following are scam transactions XXXX, XXXX Online Store XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Online Payment Fraud, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX - XXXX  , XXXX XXXX , XXXX ( XXXX  ) , XXXX, XXXX XXXX, XXXX , XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX  , XXXX XXXX  , XXXX are all sc ams either by local criminal suspect XXXX XXXX XXXX in XXXX XXXX , MO XXXX , USA scam mers, and overseas scammers. Some are on line payment fraud where deposit was was made then withdrawn before deposit funds were rejected. XXXX XXXX  - Lost and Stolen Fraud refuses to cooper ate, to provide documentation requested, and to properly trace down scammers. In addition, push back to XXXX XXXX rather than work with us to provide necessary documents to track down the se scammers through legal authorities.We suspect someone at XXXX  ( now XXXX XXXX XXXX XXXX XXXX ) ( XXXX -- XXXX ) and XXXX XXXX XXXX ( XXXX ) to be some of the scammers. In addition I have traced some transactions to XXXX. Without cooperation from XXXX, we can not co mplete documentation to resolve and find scammers. News Release XXXX XX/XX/2020. The Office of the Controller of Currency ( OCC ) took actions based on the bank 's unsafe or unsound ba nking practices for its long-standing failure to establish effective risk management and data govern ance programs and internal controls. This failure also resulted in a violation of 12 CFR Part 30, App endix D, " OCC Guidelines Establishing Heightened Standards for Certain Large Insured National B anks, Insured Federal Savings Associations, and Insured Federal Branches. '' The agency also issu ed a cease and desist order requiring the bank to take broad and comprehensive corrective actions to improve risk management, data governance, and internal controls. The bank senior management and the bank 's board has not made timely, sufficient progress in complying with the order. As a res ult of the unsound baking practices overseeing fraud and scams, the bank has turned to collect fro m consumers for their massive failures of effective risk management and internal controls. The OC C should order XXXX to cease and desist these practices and demand changes in leadership. Specifi cally in the case of this complaint demand XXXX cease and desist for their failures as established in t he OCC complaint with any further actions regarding XXXX XXXX. Further demand XXXX cease and desist harming consumers credit and correct XXXX XXXX ( and other harmed consumers ) credit reporting to " pay as agreed ''. 
XXXX has not made written contact since XX/XX/2020. This dispute is closed and to be reported to credit agencies as " Paid As Agreed ''. XXXX failed to respond in a timely manner as set forth in the correspondence to them and as a matter of law.No further responses to this matter will be made to any agency regardless of demands in correspondence, threats, and regardless of operation of law of any kind.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the unsuccessful attempts to remove a charge-off entry from my credit report. Despite multiple efforts to address this matter, the charge-off persists, causing significant distress and affecting my creditworthiness. 

I understand that the charge-off in question is associated with the following account : I have made numerous attempts to dispute and rectify this situation, providing documentation and explanations to support the removal of this charge-off from my credit report. However, it is disheartening to note that these efforts have been unsuccessful. 

I urgently request the following actions be taken : 1. Thorough Review and Verification : Conduct a comprehensive review and verification of the charge-off entry in question, considering the documentation and explanations provided during previous disputes.

2. Communication Enhancement : Improve communication channels to keep me regularly informed about the progress made on my dispute and the steps being taken to address the charge-off.

3. Escalation of Dispute Resolution : If the charge-off is found to be inaccurate or incomplete, I request an expedited resolution and the immediate removal of the entry from my credit report. 

4. Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced.

I understand the importance of accurate reporting on credit files and the role it plays in maintaining the integrity of credit reports. However, the persistence of this charge-off is causing undue hardship, and I am seeking a prompt and fair resolution. 

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove this account in my credit file : XXXX XXXX Balance : {$1300.00}.
Product: Checking or savings account

Im a Capital One customer who thought I held a high-interest account, but was tricked just like outlined in this article : XXXX XXXX XXXX  The advertised rate as of this date is 4.30 % APY. I just noticed that I have been earning a rate of 0.30 %. In addition to the above noted article description of my issue ( with the only difference being the current market rates ), I called and was told by Capital One Management that I have a grandfathered account ( 360 Savings ) and in order to get the advertised rate of the non grandfathered account ( 360 Performance Savings ) i need to open a new account. The bank had no problem reducing my rate over the years but suddenly, and without warning or proper notification to its customers, it " grandfathered '' accounts, seemingly as an excuse to avoid paying market rate/advertised interest on my HIGH YIELD savings account, which I have held since opening with XXXX XXXX  almost 20 years ago. Capital One 's new account is similarly named ( adding the word " performance '' ) and also has no fees similar to the grandfathered accounts. There is seemingly no appropriate business practice for this change other than to deceive and defraud long time customers.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completedPursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle have failed to investigate my claims adequately. They informed me that recovering lost funds would be impossible and 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/XXXX, I my account was scammed and a check was put into my account. Through mobile app which my mother and I did not activate on her phone. Next thing we know the {$200.00} deposit - a check was in the account and out using my debit card which was in my purse along with a purchase at XXXX. This came days after the news released a photo of 2 people that were going around using checks and debit cards around the area. I called the bank and let them know what was going on. They said it would be a fraud investigation and it would take 3 days. I let them know I was out of the country as well. My mom and I changed all our login information. a few days later the check came back I called to find out what was the outcome of the investigation. I was told that it was never put in and as of XX/XX/XXXX it would have to be done again. We were still in XXXX. So I called back Wednesday morning only to be told that it would be expedited. The supervisor also spoke about the fact that we were not offered another debit card. He then sent for another debit card and told me the claim would be expedited. Around midnight today I got an email about the investigation saying it was our fault. and we are responsible. I also received the documentation today XX/XX/18 regarding the mobile deposit. The deposit was a check in my mother 's name yet the signature did not match especially based on any deposits or documents previously signed by mother. I will be contacting the police again because I can now file a formal complaint because I have all the info the police and investigators need.
Product: Credit reporting

Disputed this and the credit reporting company told me to call portfolio recovery i did and they told me to call the credit bureaus. Portfolio agreed to remove the item off my credit report but it is still there and they will not do anything after I 've called multiple times. I only have the {$0.00} balance and closed letter