23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely,
Product: Credit card or prepaid card

I have attached a PDF file containing a detailed account of my complaint. This complaint involves American Express and XXXX Visa in relation to their response to the unethical consumer practices mentioned herein. If they had protected my interests and stood up to these businesses, as is stipulated in the cardmember agreement I signed, I would not be facing the issues I am now. This is both an issue of ethics ( on their and the other businesses ' parts ) and my financial/consumer rights ( as well as my rights as a person with a XXXX ).
Product: Credit card or prepaid card

In response to Discover, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Discover card account ending in XXXX ( Replacement ) XXXX ( Lost/Stolen ) Consumer Financial Protection Bureau Case No. : XXXX Dear XXXX XXXX XXXX XXXX you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. Our records confirm that payments did not successfully post to your account that satisfied your minimum balance due from XX/XX/XXXX to XX/XX/XXXX. As such, your account was correctly reported as delinquent to the credit reporting agencies for XXXX and XX/XX/XXXX. Please see the details to my investigation below. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$100.00} due on XX/XX/XXXX. A payment was not received, and your account was assessed a {$40.00} late fee. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$250.00} due on XX/XX/XXXX, which included a past due amount of {$100.00}. A payment was not received and your account was assessed a {$40.00} late fee. o The account reported to the credit bureaus as delinquent. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$400.00} due on XX/XX/XXXX, which included a past due amount of {$250.00}. A payment was not received, and your account was assessed a {$40.00} late fee. o The account reported to the credit bureaus as delinquent. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$550.00} due on XX/XX/XXXX, which included the past due amount of {$400.00}. On XX/XX/XXXX, a payment in the amount of {$5400.00} posted to the account via the internet, which brought the account current. I have enclosed copies of your billing statements from XX/XX/XXXX to XX/XX/XXXX for your personal records. As we can confirm that payments satisfying your minimum payments due were not received by your XX/XX/XXXX through XX/XX/XXXX due dates, we are unable to remove the delinquencies reporting on your account as they are a factual representation of what occurred. Although were unable to remove the delinquencies, an update was submitted on XX/XX/XXXX, to the credit bureaus to fill in any missing or inconsistent information. This included the current balance, last payment date and the date the account was opened. Please allow sufficient time for these updates to take place. This is inaccurate, I attempted to make payments from my bank account however, they did not post as there were issues with discover 's processing system. Instead of acknowledging this issue of what took place they completely ignored my dispute documentation in which I will reattach and only provided my past balance statements which provides proof of nothing. I even have autopay enabled on my credit card which invalidates the response that they have sent to the CFPB. On that note i will readd my documentation and ask for the thorough readiness of this document and to stop this activity asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly.

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with MIDLAND FUND plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX  XXXX, XX/XX/2021 and XXXX, XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted letters for inaccurate accounts on my credit report. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem corrected immediately, I will not wait another 50 days to receive no response from only to have to ignore my dispute. I demand that these accounts be deleted from my report immediately or I will file for litigation due to the stress and financial strain this process has caused me and my family. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives reason for immediate remove those items from my credit report promptly.
Product: Debt collection

The collection company has contacted me on my landline and left information that is confidential about someone other than myself and no one I know. The landline is listed in my name and no one else has ever lived at this address. I receive my voice mail transcriptions automatically from XXXX. I have a attached a copy of the PDF file of the transcript. 

I have NOT been contacted by US mail as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have tried to use XXXX XXXX  XXXX and I have tried to use myEquifax to unlock and lock my credit report. Each time I login, a message is displayed saying that the service is temporarily unavailable. 

I have contacted Equifax repeatedly about this problem, and each time I have been told that a system security update is being performed and that I must call back. I have been told that this issue has been escalated to technical support, but it has not yet been resolved. I want to access XXXX XXXX  XXXX and myEquifax so that I can unlock and lock my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX names not mine DEPT OF EDUCATION/XXXX Account XXXX Account TypeEducation ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedMar 2020 all student loans never late fcra violations XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute showing all late payment attach are the creditor wrong addresses they provided to the credit bureaus by law i have the right to pay on time fair debt collection practice that i have an opportunity to pay it on time
Product: Credit reporting or other personal consumer reports

I would like accurate information reported on my credit. I sent out multiple disputes to Experian regarding inaccurate information on my credit report. Despite providing evidence Experian has failed to comply with the legal obligation under the fair credit act. Experian is not complying with sections 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USCi ( 5 ), 15 USC 1681c ( c ). I request immediate removal of the XXXX  reference # XXXX, Accounts in collection name XXXX XXXX XXXX, and Consumer Adjustment services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This is not filed by a XXXX XXXX or a Credit Repair Facility. 

I just received a copy of my Credit Report and there are some accounts that violate my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights under 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.

Please provide me with 4 pieces of information regarding all of these accounts below.

1. The Original Contracts of these accounts with my signature on it.

2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts.

4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 


XXXX. Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX
Product: Checking or savings account

I have had 3 CD 's with Discover Bank for years. Most recently I renewed one on XX/XX/2022. I received a letter from Discover Bank dated XX/XX/2022 advising that they were changing the terms of the deposit agreement and would no longer deposit the earned interest in my XXXX XXXX XXXX I contacted Discover Bank and advised them the arbitrary change in terms was not acceptable to me. Further as we no longer had a valid contract, I requested the CD 's be closed without interest penalty. Discvover Bank declined my request. Subsequently I closed one of my Cd 's and was charged an early withdrawal penalty of {$200.00}. I would like the early withdrawal interest penalty returned to me and the open accounts closed without penalty.
Product: Student loan

For past several years I have applied for IBR. It requires renewing on an annual basis. I submitt required paperwork, and in followup conversations Navient reps tell me they are processing my request. However, many months into the application process they tell me to file forbeareance or hardship, because they say they still have not processed my request for IBR and will get back to me.

By the time I am granted IBR, it is already time to renew IBR, or it is never processed and they have no record I applied.

Thus my complaint is as follows ; they steer me away from IBR, by delaying my application process for IBR toward forbearance. Navient is not transparent about why the IBR application process takes so long or why at times it is never processed and will not fix the problem after many attempts on my part at communicating the problem to them. Navient has never made an attempt to expedite my IBR request and seems ignorant or clueless about why they can not process my request.

I have never been granted an IBR in a timely way. It takes longer then 2 months, sometimes 5 months to process an IBR, if at all.
Product: Debt collection

I paid off a credit that was delinquent since XX/XX/XXXX. They were suing me for the amount owed and a count date was set for XX/XX/XXXX. The day I went online to pay off the debt ( XX/XX/XXXX ) I was given a confirmation number and shown a XXXX balance. Today when I log on to the website I have a current balance of {$1000.00} which was the original loan amount. There is no show of the account being paid off. When I call the credit collecting company they state that my account has been closed. They state that I will receive a letter " soon '', but no letter has been received yet.They are unable to tell me how long it may take for the account to show it has been paid, they continue to tell me to wait, they are unable give me any further info about the legal actions taken against me. However, my main concern is that I am in the process of buying a home and this debt is still being reported to the credit bureau, having a huge negative impact on my usual perfect credit. I have spoken to my broker who has informed me that this is the only debt on my credit history and that it needs to be removed ASAP in order to move forward. Which I have done the necessary steps provided by the company to remove it. Part of the agreement to close the account was a settlement of {$810.00} and also that the account would be removed from my credit report and no legal actions pursued. I have paid the {$810.00}. This agreement has not been met by the company. I have upheld my end of the deal by paying the settlement amount. Before making the payment I requested for a letter to be sent with the terms of agreement which they disputed and stated that they do not send out letters. Feeling uncomfortable about this I opted to pay online and save screen shots of the process instead of making a verbal payment over the phone. Basically this company has not met their end of the agreement by closing my account in full and completely removing this debt from the reporting credit bureau even after making a full payment. I have spoken to 10 different representatives from 3 different departments from Midland Credit Management, all have given me the run around. I am afraid I have been screwed over and lied to and I am am worried that this will spiral me into a bigger whole with my credit score being affected.
Product: Debt collection

My credit report shows a collection from your agency. I was never notified of this collection. What's more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT. I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you the authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
Product: Vehicle loan or lease

I was told this Company would decrease the rate with on time payments. 
I have made 22 payments on the car and paid over {$6000.00} and my balance has only gone down by {$2000.00} This is predatory lending. 
I want out of this loan with no damage to my credit.
Product: Debt collection

XX/XX/XXXX I attempted to pay my mortgage online and was blocked from being able to pay. I called the mortgage company they advised I was blocked due to 2 nsf payments one in XXXX and one in XXXX. I advised my payments cleared in XXXX and XXXX they advised me to send proof which I did so it could be reviewed for release. I called XX/XX/XXXX to make a payment and was advised the email was not received nor reviewed and that I am still blocked is still blocked. The only way I can pay is certified check or XXXX XXXX. I advised due yo a medical condition I would not be able to obtain a certified check XXXX XXXX XXXX cost {$60.00} such I dont have extra for. They refused to take the payment told me to figure it out. Kept advising my XX/XX/XXXX payment returned when in fact it cleared. I called my bank on 3 way and they confirmed my payment cleared we also learned my online payments were being ran prior to the date they were scheduled multiple times causing them to be rejected this is not legal. I ask they remove the hold so I can pay my mortgage payment. 
I will consult an attorney separately to see if additional rights were violated
Product: Money transfer, virtual currency, or money service

this is my original complaint number XXXX-XXXX, as a result of all that is happening with my account at Citi, over and above everything today XXXX XX/XX/2021 i was informed by my bank localy, that Citibank NY requested to withdraw money ( XXXX euros ) from my account at my local bank ( XXXX XXXX XXXX - XXXX ) which was the deposit credit from the liquidation and tranfer of my stimulus checks received by the US treasury XXXX and XXXX usd respectively! 

Not only is this illegal and insulting but it requires examplatory action against Citi!! 
Please provide me with assistance at your earliest
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent a wire transfer to CitiBank in the amount of {$290000.00} to be deposited in account # XXXX in the name of XXXX XXXX XXXX On XX/XX/2023, I requested my bank, XXXX XXXX XXXX to request a refund due to disagreement on the services provided. Such request was with the consent of the recipient. XXXX XXXX made several attempts to retrieve the funds but was told repeatedly that the recipient 's account was under review. 
More than XXXX months later, the wire transfer has not been refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation dispute with Equifax on XXXX/XXXX/XXXX and as of today XXXX XXXX, XXXX the dispute is listed as pending. They have date of completion listed for XXXX/XXXX/XXXX. They have passed the 30 investigation limit.
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 ( 15 ) 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 Method of Verification. 

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 ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Student loan

I have uncovered additional malfeasance on the part of Mohela. Specifically, despite my loans being in an administrative forbearance while Mohela, due to its own deficiencies, has informed me of excessive delays in processing my Income Driven Repayment recertification for my loans to continue on the SAVE plan, I have learned that Mohela has allowed interest to continue to accumulate on all of my loans. This is against the terms of the SAVE plan, which, to be clear, I was already enrolled in prior to the recertification application. 

Specifically, I was only able to learn of this information by writing down in an XXXX XXXX the amounts of the interest accrued as of XXXX and then waiting one month later and seeing that as of today, XXXX those amounts had increased. These values were also expressed in the amounts required to pay off these loans in full. 

As such, Mohela is illegally permitting interest to accrue on all of my student loans, despite them being both already enrolled in the SAVE plan, and additionally, in an administrative forbearance which Mohela initiated due to its own inefficiency and excessive delay in its inability to timely process my Income Driven Repayment recertification application.
Product: Credit card

I purchased a XXXX Enlightening mattress set. Six months after the purchase date the left side of the mattress started sinking at  least XXXX inches EVERY NIGHT! My wife has to reach "up a hill" every night to hug me. She has XXXX problems because the middle sinks lower than the top and foot of the bed on that side - EVERY NIGHT!!!
XXXX sent out a "bed checker." He pressed the bed in for a few seconds - took his handy ruler and proceeded to submit a report. We received a letter stating "the mattress is contouring to the shape of your body." Really - so sinking into "the panels" is to be expected? 
It is absolutely ridiculous to think that a legitimate complaint about a XXXX product could be taken so lightly. The fact that this product is impacting my wife's health  - who is a XXXX is truly worrisome. The bed was supposed to aid in increasing our well being and not in diminishing it. Every morning my wife has to pull herself out of the bed as if she is struggling from an abyss. XXXX This bed is a MENACE!!! We have more aches and pains with this new bed than we did with our 10 year old mattress. This is the worst product we have ever purchased!!! EVER!!!