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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX LETTER OF REBUTTAL REF : XX/XX/XXXXXXXX XX/XX/2020 I dont agree with the outcome of the billing investigation on account ending in XXXX for the charges, associated with Amazon including but not limited to {$93.00}, {$87.00}, {$100.00}, {$250.00}, {$270.00}, {$250.00}. 

During the period of XXXX through XX/XX/2020 Ive managed to place several orders via amazon.com. Among those there were 6 items Ive had to return due to incorrect website description in fact they looked very different from what had been described on amazon.com therefore Ive requested a return for a refund completely withing Amazon Prime 30 days return policy. Request had been approved and RMA assigned. 
The items have been stored into 2 boxes and shipped via Amazon-issued UPS  return labels a ) XXXX ( delivered on XX/XX/2020 ) ; b ) XXXX ( delivered on XX/XX/2020 ). 


As of XX/XX/2020 both of the packages with 6 items included were successfully returned back to Amazons facilities, located in XXXX, IN & XXXX, KY, respectively. Even though the items were returned in timely manner and within Amazons terms and conditions, appropriate refunds werent issued, therefore Ive filed a billing dispute, which was rebutted by the merchant, claiming they didnt have any record of returns requested and never received any packages. 

In the attachment you would find Amazon-issued return shipping labels with references to the returns and RMA altogether with UPS-issued information, proving that the return was fulfilled. Therefore, Im kindly asking to reinstate the investigation and credit back {$93.00}, {$87.00}, {$100.00}, {$250.00}, {$270.00}, {$250.00} to my Chase Freedom account. 




Kind regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft which I forwarded over a police report stating that all of my items and personable cards/wallet was stolen. To ensure protection I requested a fraud alert to be placed on my credit profile numerous times, in which Experian did, however the request for the alert they dropped my score XXXX points just for requesting a fraud alert to be placed, in which it states on their website that requesting/placing a fraud alert will not effect your score. I'm trying to recover still from my personal items being stolen from my vehicle on top of my personal data being breached in during XXXX 's failed security infrastructure. This is causing more stress than ever trying to recover.
Product: Credit reporting or other personal consumer reports

I am writing to complaint the following information that XXXX XXXX XXXX XXXX supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to Account ( XXXX opened XXXX XXXX ) that I previously had with XXXX. 

Prior to the Pandemic I had an Impeccable Payment history 800 credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX in reference to this account that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded my Trans Union Credit report on XXXX and in accordance with the Fair Credit Reporting act. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account name : XXXX XXXX, Account number : XXXX According to TransUnion this account was opened on XX/XX/XXXX it doesn't state the year. This account was charged off on XXXX & {$9200.00} was written off. They state that the account was closed on XX/XX/XXXX however the last payment posted was on XX/XX/XXXX. 30 days late was reported on XX/XX/XXXX and according to the payment history there was no balance and/or past due balance reported until XX/XX/XXXX up to date. See Attached Credit Report. 

XXXX. Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off was {$5100.00} TransUnion states that the last payment was on XX/XX/XXXX, it was closed on XX/XX/XXXX & written of on XX/XX/XXXX however there was no balance and/or past due balance reported from account closure until XX/XX/XXXX up to date. See Atached Credit Report. 

XXXX. Account name : XXXX, Account number : XXXX Date opened : XX/XX/XXXX {$2200.00} was written off. How is it that according to your records the last payment was made on XXXX the account was closed on XX/XX/XXXX and according to your history the rating was ok from XX/XX/XXXX - XX/XX/XXXX and in XX/XX/XXXX you started reporting a 30 day late report. The dates and information provided don't match See Attached Credit Report. 


This misinformation is hurting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear To Whom It May Concern, On XX/XX/XXXX, I have contacted XXXX about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their XXXX XXXX/online charges. When I notified XXXX they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I paid off my account/personal student loan to XXXX. The payment was sent via my real estate attorney, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. To this day, Monday, XX/XX/XXXX, the account still shows open with an outstanding balance on my Equifax report only.
Product: Mortgage

I obtained a mortgage from U.S. Bank N.A in XXXX XXXX. I signed a Loan modification agreement with XXXX XXXX XXXX XXXX with the first date of lien on XXXX XXXX, XXXX and the modification of the mortgage effective XXXX XXXX, XXXX ; this document was signed by XXXX. I had to file for Chapter XXXX on XXXX/XXXX/XXXX with a release date on XXXX/XXXX/XXXX. My mortgage payments have been going to the servicer XXXX for U.S. Bank and I have asked to refinance or recast the balance. XXXX said they are not a bank and are not able to refinance the loan. I have written to U.S. Bank Corporate office to discuss the the aforementioned HAMP recast and other perks and have not heard back.
Product: Debt collection

XXXX XXXX XXXX XXXX of XXXX XXXX, MO is reporting to XXXX, and by means of a collection agency Medical Commercial Audit Inc, is attempting to collect an alleged balance of {$200.00}. According to XXXX, the date the alleged debt was incurred was XX/XX/2015, but I have no visit to XXXX XXXX XXXX XXXX on that date, and the credit bureau has not responded to my complaint. 

1. XXXX XXXX XXXXXXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 

2. Medical Commercial Audit Inc have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. Medical Commercial Audit Inc have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX XXXX XXXX XXXX  ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 

3. XXXX has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Agency is reporting IN- Formation that's in correct on my file which I've disputing with XXXX  & Experian it has been removed from XXXX XXXX but still reporting on Experian.
Product: Checking or savings account

My company XXXX XXXX XXXX has business checking account XXXX with US Bank. I had incoming transfer on XX/XX/2023 in amount of {$15000.00}. This amount appear on my account only on XX/XX/2023 and then I received email from US Bank that " Your deposit of {$15000.00} is complete. '' ( attached ). 

Next day when I log in in my account this amount was disappeared. I called 2 times on phone numbers XXXX, XXXX and spoke with US Bank representatives but they didn't help with this at all. Last representative told me " I didn't see that transfer ''. 

I ask bank to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Capital One account ending in XXXX {$1800.00} Registered Securities were sent and account paid in full. 

15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
Product: Mortgage

The issue is with Mr Cooper Mortgage company. My loan was transferred by XXXX bank to Mr Cooper. I created my online account and scheduled several loan payments and additional principal payments {$630.00} {$310.00} {$200.00} {$300.00}. On XX/XX/XXXX all of my payments were reversed, The payments of XXXX and {$200.00} had already cleared my checking account. I contacted customer service, on XX/XX/XXXX, XX/XX/XXXXXXXX  XX/XX/XXXX, XX/XX/XXXXXXXX  XX/XX/XXXX, XX/XX/XXXXXXXX  as well as messaged, created online complaint tickets and emailed their investigation department with proof that the money cleared my checking account and payment was not applied to my mortgage, I got several conflicting explanation 's from customer service and also noticed one of my complaint tickets was deleted along with proof of my bank statement showing the payments to Mr Cooper. I took screenshots of all online interaction and emails
Product: Debt collection

I have requested in writing and sent via  USPS mail a request for Debt Validation. This company refused to respond with the requested documentation under the Fair Debt Collection Practices Act and Under the Fair Debt Collection Practices Act sections 805 ( C ) { 15USC 1692c }, it is my right to request this information. If the information will not be provided, I request this negative file be deleted from call credit files w ithin the next ten days.   Thank You in advance,  XXXX   XXXX
Product: Student loan

I wrote a letter to nelnet on ( XX/XX/ ) trying to see how i was late on my student loans. I even asked for signatures as well as proof so i can verify this against my credit score. They stated that it was verified even though they did not send me anything that i can see that it was valid. These late payments are hurting my score and my credit worthiness. Please see attachments for the letter i sent, I sent it certified mail and here is their reply. The reply is not appropriate because they did not send me any documents that answer my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported myself to all credit agencies, after I signed up for XXXX during XXXX through XX/XX/2020 due to national pandemic and was not able to work. My credit is protected with the Cares Act. I want XXXX to remove the late reporting to all the credit bureaus for XXXX, XXXX and XX/XX/2030. I have Paid the balances off in full.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquires that I did not authorize : 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 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: Debt collection

after getting repeated calls about a 5 year old debt they wrote off as a tax write off without sending me a 1099 and after I told them " cease and desist all further communications between phone email or written immediately " they still harass me with multiple calls daily.
Product: Mortgage

I was preapproved for a conventional mortgage with NRL mortgage. XXXX XXXX was the loan originator. This was in XX/XX/2023 that I got the preapproval. I went under contract XX/XX/2023 to buy a townhouse. Everything was submitted to underwriting. I submitted my earnest money. XXXX  XXXX with an RL mortgage came back and said there was a flag with KHC, the down payment assistance program who I had previously been preapproved with. XXXX  XXXX stated that the interest rate for KHC had gone up and I was no longer eligible for it with my debt to income ratio. This was the second mistake that XXXX  had made as my lender in the homebuying process. I was unhappy so I decided to apply with a different lender who informed me that even if we were looking at the interest rates even further back in time with XXXX  I still wouldnt have qualified, this different lender informed me that I never wouldve qualified for XXXX  to begin with. I believe the XXXX  XXXX with an RL mortgage was deceptive in the fact that she led me to believe I was preapproved with KHC assistance, when in fact, I was not. I would like this investigated, because I believe this to be a violation of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Final Demand for Removal of Inaccurate Collection Accounts Dear Experian, This letter serves as my formal dispute and final demand for the immediate removal of two erroneous collection accounts reported by XXXXXXXX XXXXXXXX, which are damaging my credit report and financial well-being : 1. XXXXXXXX XXXXXXXX - Account Number : XXXX ( Balance : {$4600.00}, Opened : XX/XX/XXXX ) 2. XXXXXXXX XXXXXXXX - Account Number : XXXX ( Balance : {$1000.00}, Opened : XX/XX/XXXX ) Although these debts may be technically valid, the reporting of these accounts is not in compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws governing consumer protection and debt collection. 

Violations and Legal Grounds for Immediate Deletion : FCRA 611 ( 15 U.S.C. 1681i ) : As a credit reporting agency, Experian has a legal obligation to conduct a reasonable investigation when a consumer disputes any entry. Despite my prior disputes, you have failed to investigate properly, as evidenced by the continued presence of these harmful entries. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers of information are required to report accurate and complete information. It is now clear that XXXXXXXX XXXXXXXX has not verified the accuracy of these accounts per your obligations under the law. 
Fair Debt Collection Practices Act ( FDCPA ) 807 ( 15 U.S.C. 1692e ) : Reporting these accounts without ensuring their legitimacy constitutes misleading and deceptive practices, as no further validation was provided after my dispute requests. 

Because you have failed to verify these accounts properly, you must delete them immediately from my credit report to avoid further violations of the FCRA and FDCPA. Continued reporting of inaccurate, unverified, or harmful information after a dispute constitutes willful noncompliance under FCRA 616 and 617, which entitles me to seek damages through legal action. 

Action Required : 1. Remove these XXXX XXXX entries from my credit report immediately. 
2. Provide me with written confirmation of their removal within 15 days of receiving this letter. 

If these accounts are not removed, I will escalate this matter by filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Attorney Generals Office in my state Civil action for damages under FCRA 616 and 617 This is my final warning. Any further delays or failure to comply will leave me with no choice but to pursue all legal remedies available to me. I expect prompt action and confirmation of the deletion within 15 days. 

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

Dear Sir/Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 

1. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Enclosed are the following : A copy of my driver liscense. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent informatio
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Transunion, XXXX, XXXX, and the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. The Credit reporting agencies are displaying my private information publicly without consent. The institutions have not furnished the items below required by law. 15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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