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

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 90 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, XXXX XXXX, Subsection XXXX, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, XXXX XXXX XXXX submitted a fraudulent collection credit item to my Experian and XXXX XXXX credit report. The collection does not belong to me. The date the collection was submitted to my credit report was XX/XX/2018. I tried several times to resolve this issue with the collection agency and credit bureau. XXXX continues to report the fraudulent collection and continues to increase the amount of the fraudulent debt every month. The original amount reported was {$3000.00}. As of XX/XX/2018, the debt now shows an amount of {$3400.00}. I sent letters to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/2018.  XXXX continues to send documents stating the account is mine that doesn't bear my signature authorizing the debt. I've sent letters to Experian on XX/XX/XXXX and XX/XX/2018. I've sent a letter to XXXX XXXX on XX/XX/2018, Experian continues to send me a credit report stating outcome updated. The comment written under the collection states account information meets the FCRA requirements. XXXX XXXX removes the collection debt twice, then place it back on my credit report. I never received any documents from XXXX XXXX regarding my credit letter I sent them on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX refusing to remove debt I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX regarding their debt collection practices. XXXX XXXX XXXX is attempting to collect a debt from me in the amount of over {$2000.00}, which I believe is inaccurate and not owed. 

Despite my repeated requests for validation and clarification of the debt, XXXX XXXX XXXX has failed to provide adequate documentation or proof of the debts validity. Additionally, their aggressive and harassing tactics have caused significant stress and XXXX, impacting my overall well-being. 

I have made efforts to resolve this matter directly with XXXX XXXX XXXX, but they have been uncooperative and unwilling to provide the necessary information to substantiate their claims. Their actions are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ), and I believe they are engaging in unfair and deceptive practices. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX XXXX XXXX actions and take appropriate measures to ensure that they comply with federal regulations. I would also appreciate it if you could assist in having this debt removed from my record, as I believe it is unjust and unsubstantiated. 

XXXX XXXX XXXX XXXX XXXX. 
Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Direct dates XX/XX/XXXX Sever dates in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Checking or savings account

To Whom It May Concern On XX/XX/2023 I've purchased a part for my XXXX. Order number XXXX for total price of {$140.00} *The part did not fit and so I mailed it back for a refund in its original packaging. I did not even remove the part from packaging. It was a trim piece so I knew it would not fit. 
XXXX provided me with a label to ship the part back of which I shipped it right away. 
*Once I saw via tracking that XXXX received the part, I inquired on the refund. 
*I have been told by XXXX XXXX XXXX that he processed a refund on XX/XX/2023 then again on XX/XX/2023 however my bank ( US Bank ) along with XXXX states there is absolutely no refund on the account. I do not see any monies in my account either. 

US Bank is refusing to file a dispute on my behalf though I know that US Bank is insured. I am out of {$140.00}. In addition, I have provided US Bank multiple emails stating from the merchant that they have supposedly refunded the money. US Bank agreed that there is no money refunded however US Bank is refusing to help. This is nothing but a fraud case and US Bank should stand by their clients. 
I am extremely upset that I can not trust my own bank to protect me in such cases. 

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

You are in direct violation of the fair credit reporting act many accounts have violated several of My rights.

15 u.s.c1681 sec 602 a.clearly states I have rights to privacy.

15 u.s.c 1681section 604 a section2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 16668 : a creditor may not treata payment on credit plan as lat for any purpose.

Remove these late payments and update these accounts immediately as u are in direct violation of several laws under the fair credit reporting act.
Product: Mortgage

Our realtor, lender, and escrow team was ready to close the sell of our house. They got the clear to close and all contingencies were removed. 
XX/XX/2020 we were going to sign our mortgage papers to purchase our new house, knowing we had to sell our old house in order to make that purchase, but our team was told everything was fine. 
XX/XX/2020 we were told papers running late. As the days progressed, we were told there was a small problem they were fixing, then it became a bigger problem. The other lender and relator were not responding to my relator and lenders calls/emails, information was coming in piece by piece and kept changing. First it was a problem because they had applied for an FHA loan but they already had an FHA home. Then we learned they already owned property, then we were told they DON'T have an FHA loan. In the end, we still don't know what the real problem was. Our lender called the buyer directly to see if they could be approved for a loan and it was very clear to him these buyers should have NEVER started the process as they were NEVER going to be able to be approved for that loan.
Product: Checking or savings account

The morning of XX/XX/XXXX I deposited money at my local Regions branch ATM including a check for {$20000.00}. The check was flagged as suspicious or fraudulent and my account was frozen. On Wednesday XX/XX/XXXX I went into the same branch to deposit more cash & checks but was told I couldn't use my account and to speak to a manager. The manager said the number on the back of the check didn't match the account # on the front, I told him that number never matches and showed more checks with similar markings. He asked me to email him a copy of the closing paperwork from the sale of a business that showed the check was my proceeds from the sale. I sent the closing documents and was replied that I need to go to XXXX XXXX to get them to write a paper saying the check was mine. I went into the branch on Friday XX/XX/XXXX with more documents and checks from XXXX XXXX and was told to forward them to another employee who would contact me within an hour to resolve the situation. The Regions branch has not responded back has continued to freeze my account with no explanation or clear path to resolution.
Product: Mortgage

I emailed Fay Servicing company to informed them that I was current with my mortgage. I emailed Fay Servicing on XX/XX/XXXX and XX/XX/XXXX. I informed Fay Servicing that I was in dispute with the amount of {$12000.00} owed. I provided FAY Servicing a spreadsheet with payments and copies of cleared checks to show that I have paid my mortgage in according to the " Automatice Stay Agrement executed on XX/XX/XXXX. The Automatice Stay Agreement I provided made between my attorney, XXXX XXXX and the Mortgage companyI XXXX ) lawyers. The purpose of the agreement was to create a payment plan that would bring my mortgage current. I provided Fay Servicing proof/evidence that I had executed every payment that was required and continue to make regular payments through XX/XX/XXXX. As of XX/XX/XXXX, Fay refused to accept my mortgage payments, With that said, I agree that I am currently approximately 4 months behind in my mortgage that I am willingly to pay if Fay Servicing would accept my payments. Presently, Fay Servicing has refused to account for my payments made in accordance with the Automatic Stay Agreement executed on XX/XX/XXXX. Instead, Fay Servicing continues to move forward with foreclosure proceedings..
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many unauthorized accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach recently, I would think you all would take extra measures to protect my consumer report. I do not feel that my information is being protected. As an attorney, I know this is defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness sand they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and unauthorized accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. According to 15 US Code & 1681N ( b ), these damages need to be paid for up to {$1000.00} or as the law will allow. Ive paid many application fees for credit cards and rental just to find out that unauthorized accounts are being reported. I have wasted time and money that I can not get back. I am demanding remedy per Law. As this is my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and XXXX  XXXX  and a lot of my time as of now. These companies and the credit bureaus are being sued for such damages already. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items arent removed and blocked immediately and willing to do whatever I need for justice
Product: Credit card or prepaid card

XX/XX/2022 - Purchase made at Best Buy. {$380.00} Product was in a seal box at the time of purchase. Would not accept a charge on attempted use. Best Buy would not accept a return and said that the serial number on the product did not match the serial number on the box. 

XX/XX/2022 - Initial dispute filed with the card company XX/XX/2022 - Dispute was declined by the card issuer. 

I have filed a disagreement with this ruling and spoken to an manager in the dispute department. The card issuer referred to the merchant, Best Buy, who said the item was unreturnable and placed the blame for the serial number mismatch on me. Card issuer agreed and denied the dispute. 

As far as I'm concerned, Best Buy sold me a product that I can't use and can't return.
Product: Debt collection

Contacted Midland Funding back in XX/XX/2016 as I am unaware of this creditor the debt collection is for {$1000.00}. They did not have any information regarding who the creditor is, so I am not sure if this is a duplicate.
Product: Debt collection

Subject : Pre-Arbitration Settlement Offer - Collection Account ( Account Number : XXXX ) and Obligation to Honor Arbitration Agreement To Whom It May Concern, I am writing to address the ongoing issue concerning the collection account associated with XXXX XXXX XXXX account number XXXX, which has significantly impacted my credit report. Despite prior attempts to resolve this matter, the situation remains unresolved, causing substantial financial hardship and distress. I have denial letters to prove the financial pain and stress this fraudulent account has put me through. 

I want to emphasize that with the acquisition of this collection account, Midland Credit Management has assumed all rights and obligations, including those stipulated in the original contract, such as the arbitration agreement. This agreement is legally binding and requires that disputes be settled through arbitration rather than traditional litigation. 

Given this obligation, I propose a one-time settlement offer to expedite a resolution and avoid further legal complexities and expenses. Midland Credit Management has the opportunity to settle this matter by agreeing to the following terms : Payment of {$5000.00} in full settlement of the collection account. 
Deletion of the account and all associated information from my credit report. 
By upholding the arbitration agreement, Midland Credit Management demonstrates its commitment to equitable resolution practices. 

Please give due consideration to this settlement offer and respond promptly. Accepting this proposal not only upholds your contractual responsibilities but also leads to a more advantageous outcome for both parties involved. 

I request written confirmation of your acceptance of this settlement offer and the subsequent actions taken to fulfill the terms outlined above. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Debt collection

Dept was paid off and I receive a letter stating the item was removed, but its still showing on my credit report as a negative inquiry
Product: Credit card

This bank is crazy they wont let me use my card or account I recently reported and received a new one all my charges are declined each time I call they said they cleared it and now they shutdown my card and want to send me another card when I just received the replacement last week this is ridiculous why wont they leave me alone their security dept is so annoying when their is no fraud happening they decline my transactions and wont let me use my card for daily purchases
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, creditors Bank of America, XXXX, XXXX, XXXX XXXX and XXXX Bank have violated my rights to privacy. Under 15 USC C 1681 Section 602 states I have a right to privacy. 15 USC 1681 604 A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX the XXXX XXXX, FL courts order XXXX XXXX   to remove the debt they had reported on my credit profile to be removed. I contact Equifax three times and provide documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All three times I received notice that they could not remove this debt off my profile. WHY! I have a court order stating it needs to come off. What else do I have to do to resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU VIOLATED THE LAW!!! 

As a reporting agency that assume the role of assembling and reporting information on me, the FCRA requires that it is done so in a manner that is fair and equitable to me. I did not grant any permissible purpose to obtain any information of me and report it. A consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; You are reporting information on my consumer report that is to be excluded from a consumer report as well as reporting information about me without permissible purpose and reporting information that is not fair and equitable to the consumer ( me ). Furthermore, YOU ARE REPORTING INFORMATION THAT IS INACCURATE WITH THE CORRESPONDENCE I RECEIVED FROM XXXX XXXX. YOU ARE REPORTING AN AMOUNT THAT IS NOT EXACTLY THE SAME AS THE AMOUNT THAT XXXX XXXX XXXX STATED. BY LAW YOU SHALL REPORT INFORMATION OF MAXIMUM ACCURACY! 

Attached with this complaint the is the correspondence I received from XXXX XXXX XXXX and return receipt ( s ) as confirmation that you received my correspondence.
Product: Checking or savings account

On XX/XX/2018, Chase charged me {$34.00} for each for two insufficient fund fees. The funds were available and they reimbursed me. I asked for statements from past accounts so I can see if this happened in the past and they are charging me to get those statements.
Product: Credit reporting or other personal consumer reports

I WAS LOOKING OVER MY CREDIT REPORT AND RECOGNIZED UNAUTHORIZED CREDIT INQUIRES ON MY CREDIT REPORT. I HAVE NO IDEA WHERE THEY COME FROM ACCORDING TO FAIR CREDIT REPORTING ACT 15 U.S Code 1681 c-2 ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I contracted with XXXX XXXX XXXX to purchase a new home in XX/XX/2018. Our credit was verified at that time. The house was not started until XX/XX/2018. Our credit was run again by the builders mortgage company again in XX/XX/XXXX prior to the start of the home. I advised them that there was no need to run the inquiry because the home was not started and the existing report was good for 4 months. The home is still not finished and they are now going to have to run our credit once again. I have asked that they remove the inquiry, however, they stated they did not know how to do this and advised I would have to handle. The lender admitted to me that she made an error by checking our credit prematurely. We are asking for help in having this inquiry removed from both my wife and my credit report.
Product: Debt collection

Midland funding continues to make false claims about a debt that does not belong to me. I placed a fraud alert recently on my credit report because Midland Funding placed a debt on my credit Report that 's not mine. I also recently tried to access funds from my credit union and Midland Funding falsely sent paper work claiming that a court order a freeze to my account and I am not able to access my funds but all my other accounts are not frozen. I truly believe this is illegal and should have never happen.
Product: Credit card or prepaid card

My Apple Card was fraudulent charged for XXXX order back on XX/XX/2021. I do not know what this charge is about and where it even came from. I even contacted XXXX and they admitted it was fraud and so I contacted my bank and they keep denying its not fraud but I never made this charge. Why am I being held reliable for something I didnt do?
Product: Student loan

Navient claims to have disbursed more money to my University, than my University actually received. Additionally, Navient credited my account for payments that I made, and then reversed the payment. I have contacted Navient customer service, but their representatives tell me that they can not figure out what is going on. I was told that they would send the information to their superiors, and someone would contact me but no one has contacted me to resolve the matter. Every time I call to check on the status of my complaint, I go through the same process of explaining my problem, then I 'm told someone will contact me ... no one ever does.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and XXXX. 

During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue XXXX  and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} ; DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following inquiries known as XXXX is reported on my XXXX  and TransUnion credit report and they are not mine. I contact both the company and credit bureaus to remove this and they have yet to comply. This inquiry has the date of XX/XX/2019.