23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a purchase on my Capital One Visa card totaling {$1000.00} on XX/XX/2020. 

I first became aware there was a problem with the transaction in XX/XX/2020. On that same day I notified Capital One via telephone and they reversed the charge ( cc statement attached ). 

A month later they rebilled me, and a letter followed after that stating they had investigated but decided to rebill. There was no explanation of what transpired between them and XXXX XXXX XXXX XXXX firm from whom the order was placed. 

I wrote them a letter via Priority Mail with tracking on XX/XX/2020 and sent records, receipts and stated my case. Capital One agreed again that there was an invalid transaction and credited my account a second time for {$1000.00}. The service was not as described as I never received the services I had ordered. The case was poorly handled by the law office and also poorly handled by Capital One. 

Now in XXXX, the charge mysteriously shows up again as a " transaction rebill '' for second time on or about XX/XX/XXXX. 

I am frustrated and have had enough of this disputed transaction which has gone on for 13 months by now. Any assistance you can provide would be greatly appreciated. 

Case details : The payment went to a law office, XXXX XXXX XXXX XXXX, practicing in California. 
The service was for submission of a Trademark application on my behalf, as they are patent attorneys. They gave me a questionnaire to fill out and I was requested to provide brand information along with any company logos for trademark application. 

I was told the application was submitted without incident and I waited for my application to be approved. I received notice from them in XXXX of 2020 ( email attached ) where they showed the response from US Patent and XXXXrademark Office. It became apparent the application was not approved because the law office failed to attach my logos and made a huge error of omission. 

There was no way the application was getting approved as just 2 regular English words without logos to provide uniqueness. Most likely it appears their lawyer or paralegal who submitted the application forgot or failed to attach the logos to my application when it was submitted. Their assertion is that I either never sent the logos or that I gave them permission to submit an application with no logos and this is false. 

I requested refund from them twice via email ( emails attached ). They denied any wrongdoing, claiming I had authorized them to submit without the logos. This is not true, as the logos are essential to my application.
Product: Debt collection

This states that it is a Medical Collection Debt. My co-pays for a doctors office visit are {$40.00} flat which covers all services provided. For an Emergency Room Visit my copays are a FLAT {$75.00} ... So the 2 debts this company are trying to collect are either not mine, simply wrong, or the result of balance billing which XXXX does NOT ALLOW ... The other problem with these debts are one is for {$210.00} and the other is for {$100.00}, i'm not a rocket scientist but I do know neither of those amounts add up to {$75.00} nor {$40.00}. My Medicare Policy is for people with certain conditions only and pays much better than the average medicare policy. I can only assume they are trying to collect way more than allowed by XXXX. I will be glad to forward a single visit, which has been broken down to multiple charges to XXXX  and have them speak with the provider to clear this matter up. Unfortunately this may also result in a fine from XXXX  for Balance Billing! It needs to be removed completely.

Dates of Service XX/XX/2016 XXXX  Medical Center Act # s XXXX  and XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to CIC CREDIT for not taking action. I am writing to request the removal of non-permissible credit inquiry from my credit report. My report was pulled by the following company without my authorization or knowledge. I have attached the FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

15 U.S.C. 16815-2 ( 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. 

Did not make these inquirys Hard inquiry : 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Investigation Request to Delete wrongful collection account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT COLLECTIONS ACCOUNT The accounts below are reporting incorrectly please investigate these : 1. PORTFOLIO RECOVERY ASSOCIATES- XXXX XXXX XXXX, XXXX XXXX VA XXXX ( original alleged creditor : XXXX XXXX  ) Account number : XXXX ( date alleged open : XX/XX/XXXX ) ( Alleged balance : XXXX ) I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 

Attached is identity theft report and credit report. 

Truly, XXXX XXXX XXXX
Product: Student loan

I have been a XXXX XXXX sworn XXXX XXXX  XXXX since XX/XX/XXXX. I completed a XXXX in XXXX in XX/XX/XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( education services ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX, and finally XXXX. I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as XXXX XXXX did not adequately relay this information to me and talked me into the consolidation. I have just about all of my loan statements. I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an MD.
Product: Debt collection

Some company by the name of Sequim put a collections from XXXX XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX. I have had another cable in my for years. I want this removed from my credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
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. 

Unauthorized inquiries XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Utilizing the service of credit repair caused me to have inquiries I was not aware of. My credit never was repaired but I was dragged along to keep using the service. My score didnt change and I was receiving calls from institutions I did not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon Sir/Ma'am, I sent the credit bureaus ( XXXX, XXXX and XXXX ) letters on XX/XX/2023 asking them to verify the debt on my report they have sent back stating that everything is verified correctly. XXXX is the only credit bureau that sent me back documents within the thirty day period with verification and XXXX sent an email. XXXX is still reporting inaccuracies and have yet to respond. My credit reports are still showing inaccuracies. By law 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have listed below the accounts name number and addresses. 

Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCXXXX 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  Very Respectfully, XXXX XXXX
Product: Debt collection

All three companies are reporting inaccurate, incorrect, and invalid on my credit report to provide information that they are not legally allowed to report information to my credit report pursuant to the following statutes : 15 US Code 1681 ( 4 ) 15 US Code 1681 ( A ) 15 US Code 1681 ( E ) 15 US Code 1637 1. **Failure to Provide Validation of Debt : ** I have not received proper validation of the debt in question as required by FCRA Section 809 ( b ). Despite my previous requests for detailed documentation validating the debt, including the original signed contract and a breakdown of charges, this information has not been provided. 2. **Reporting Inaccuracies : ** The reported information appears to be inaccurate, and it is my right under FCRA Section 611 ( a ) to have a thorough investigation conducted. I am formally disputing the accuracy of this account, and I request that you promptly correct any inaccuracies and provide me with a corrected credit report. XXXX. **Failure to Respond to Dispute : ** It has come to my attention that my previous dispute, has not been adequately addressed within the statutory timeframe outlined in FCRA Section 611 ( a ) ( 1 ) ( A ). This failure to respond violates my rights under the FCRA. 4. **Failure to Report Dispute to Furnisher : ** I also note that, as per FCRA Section 623 ( a ) ( 8 ), the collection agency is obligated to report my dispute to the original creditor. Failure to do so is a violation of this section of the FCRA. Given these violations, I am formally requesting the immediate deletion of the disputed collection account from my credit report. Furthermore, I insist that you provide written confirmation of the account 's removal and a corrected credit report within 15 days of receiving this letter. Additionally, I am invoking my rights under the SAFE Act to request information about the original creditor, the nature of the debt, and any supporting documentation that establishes your authority to collect this debt. The SAFE Act requires debt collectors to provide consumers with specific information about the debt in question. I expect your prompt attention to this matter and appreciate your cooperation in resolving this dispute.
Product: Credit card

On XX/XX/XXXX my XXXX received a text saying she owed {$8.00} for a toll in Illinois. She lives in IL and figured it was legit, so she clicked through the link and attempted to pay the {$8.00} with a Citibank XXXX XXXX card. I happened to be on the phone with her right after it happened and immediately recognized it as fraud. I immediately froze the card, but not before they scammers stole the card information and used it to make unauthorized charges in somewhere in XXXX. Citi is saying " they dont cover scams ''. The card information was stolen via deception and used to make totally unauthorized charges in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX credit agencies have all failed to take a fraudulently opened credit line off my report and adjust my credit. There was a XXXXXXXX XXXX XXXXXXXX loan that opened in XX/XX/2022 that was opened without my knowledge. I called XXXX and they said they would close the account due to fraud and would contact the credit agencies as well. I dont believe they did that but I did open cases with each of the credit agencies. They all came back and said that they found the account to be open legitimately. I dont know what they check because if someone stole my identity, it would look legitimate wouldnt it? But the XXXX credit account was used to purchase merchandise in the state of XXXX  but I live in XXXX. The merchandise was never picked up at the store and the company has a policy that auto returns the goods after 5 days if they have not been picked up. Obviously purchasing pick up items in another state is clearly a sign this is fraud. I placed freezes and locks with all the credit agencies but they all still wont fix my credit and delete that account from my profile. Its not my account, it was identity theft and nobody has sent me anything in the mail for me to report this to the police. I want this XXXX account off my credit profile and the inquiries that were made to be reversed. There was also an attempt at XXXX XXXX  XXXX to take out a credit card but the card was declined.
Product: Debt collection

Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$50.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxxxxxxxxxx XXXX Creditor Classification Medical or Health Care Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX amoun Comments : I had medical insurance through XXXX that covered this procedure. I was not sent or called with a payment request. billed or notified. Upon finding out about this bill while checking my credit I called designed Receivable Solutions I was told that it would be removed if I paid {$50.00}. I insisted that I was not familiar with this bill and I wanted to dispute it. I was informed that I should just pay the bill and it would be removed. I paid and 3 years later the collection account is still showing up on my credit report. 
Medical
Product: Credit reporting or other personal consumer reports

I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit report, I identified the following incorrect items that violate my rights under the FCRA : Disputed Items : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The inaccurate reporting of this information constitutes a violation of the following provisions under the FCRA : 1. 15 U.S.C. 1681i ( a ) : The credit bureau is required to conduct a reasonable reinvestigation of disputed information within 30 days. I expect a full and proper investigation of the information I am disputing.

2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of information included in consumer reports. The continued reporting of inaccurate information violates this provision.

3. 15 U.S.C. 1681c ( a ) : Certain outdated or obsolete information, such as accounts beyond the statute of limitations, should no longer appear on my report. Please ensure compliance with this section.

4. 15 U.S.C. 1681n and 1681o : Any willful or negligent noncompliance with the FCRA entitles affected consumers to pursue damages, including actual damages, statutory damages, and attorney fees. 



Requested Actions : I hereby request the following : That [ Equifax, XXXX ] conduct a thorough investigation of the disputed information. 

That all inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report. 

That I receive a written response detailing the results of your investigation as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Supporting Documents : To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed items highlighted.

A copy of my identification and proof of address to verify my identity.

Notice of Escalation : Failure to address this matter appropriately may result in additional legal action or a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681p for enforcement of my rights. 

I expect this investigation to be completed within the statutory timeline of 30 days ( or 45 days if I am notified of an extension due to additional information ). 

Thank you for your prompt attention to this matter. Please contact me directly if further information is needed. 

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

In accordance with the fair credit fair credit reporting act : XXXX, XXXX -ACCOUNT # XXXX XXXXXXXX XXXX XXXX  -ACCOUNT # XXXX XXXX XXXX XXXX, XXXX - ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Has violated my rights. 

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

This XXXX HELOC was listed and subsequently discharged in a joint Chapter XXXX filing in XXXX. According to the results of an Experian dispute dated XX/XX/XXXX, XXXX confirms that the reported debt is " accurate. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX have notice fraud accounts n inquiries on my credit report ACCORDINGLY " FAIR CARES ACT '' LAW THESE FRAUD ACCOUNTS ETC MUST BE PERMANATLY AND INDEFINITLEY! 
list of fraud inquiries that must be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

Balance {$2000.00}, XXXX Original amount {$1300.00} Pursuant to 15 USC 1692 it is illegal for a collection agency to BUY a debt and come after the consumer for it I did not consent to this and the harassment. I do not know this company nor do I have any biding contract with my signature on it I ask this to completely remove from my credit report.
Product: Debt collection

Subject : Formal Complaint Regarding Unverifiable Collection Account and Identity Theft Dear Sir/Madam, I am writing to file a formal complaint and seek assistance regarding a concerning issue I have encountered with a collection account appearing on my credit report, as well as potential identity theft concerns. 

In late XXXX of this year, I received notification of a new account on my credit report attributed to Columbia Debt Recovery, also operating under the name Genesis Credit Management. Upon thorough review, I found that the account was listed as a collection account. Immediately, I took steps to address this matter by contacting both companies via mail on XX/XX/2024, to request validation of the account. 

To my dismay, both attempts to contact Genesis Credit Management and Columbia Debt Recovery were unsuccessful. Despite using the addresses listed on my credit report Genesis at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and Columbia at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX the letters were returned to me as undeliverable. 

Furthermore, on XX/XX/2024, I discovered additional new accounts on my credit report, while some of my existing accounts mysteriously disappeared from the XXXX report. In light of these developments, I promptly reached out to XXXX for guidance. They advised me to submit identification documents to initiate an investigation. Simultaneously, I contacted my credit card company, XXXX XXXX, who recommended involving the authorities and completing an identity theft report. 

Subsequent attempts to correspond with Genesis and Columbia via certified mail, including the submission of an identity theft form, were equally futile. Genesis provided an expired forwarding address, and the address listed for Columbia proved to be nonexistent. After conducting further research, I discovered that both entities now share an address and operate exclusively under the name Columbia Debt Recovery. Thus, I sent another certified letter to Columbia using the address provided on their website : XXXX XXXX XXXX XXXX WA XXXX. U

nfortunately, this letter was also returned as undeliverable. I appreciate your attention to this matter and kindly request a prompt resolution to alleviate the distress and uncertainty caused by this ordeal. Please do not hesitate to contact me if further information is required to facilitate the investigation.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

15 U.S. Code 1692 Debt Collectors who to XXXX XXXX and different funding company Request original purchase agreements I am requesting the original agreements unuthorized charges, and balance repotings
Product: Credit card

I have a old Elon credit card ending in XXXX that expired on XX/XX/XXXX. The credit card issuer provided a new card ending in XXXX as a replacement. The issue is I was debited {$1400.00} as credit card payment on XX/XX/XXXXXXXX  from my checking account. The payment is for this credit card. But I do not have any transaction after I received the replacement card. The bank is not able to assist since they stated the card issuer was Elon not them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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 lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

I want the CFPB to publish