23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Product: Mortgage

Subject : Unreasonable Delay in Issuing Escrow Refund To Whom It May Concern, I am writing to formally complain about U.S. Banks handling of my escrow refund. I requested my refund to be sent by mail on XX/XX/year>, and despite multiple follow-ups, the bank did begin the refund process until XX/XX/XXXX, XXXX a month later. After contacting US Bank on XX/XX/XXXX about this issue, US Bank refused to expedite the delivery of my check to avoid further delays. 

According to standard banking practices, refunds should be processed in a timely manner. This delay has caused unnecessary inconvenience and financial hardship. When I contacted U.S. Bank, I was not given a valid reason for the extended delay. 

I request an immediate review of this issue and an explanation for the delay. Additionally, I ask that measures be taken to ensure that similar delays do not occur in the future. 

I appreciate your prompt attention to this matter. Please respond at your earliest convenience. 

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

I contacted Webster Bank a few times by phone and they wouldn't said I had to write in ( which I did ) and I never heard back in XXXX & XX/XX/XXXX. 

1. I paid this home equity loan account off 100 % and was not late as they are reporting in XXXX, XXXX XX/XX/XXXX and in XX/XX/XXXX & XX/XX/XXXX. They are even reporting me late when I had sold my home in XX/XX/XXXX. I told them this and they still report late pays when I paid on time and reporting late pays when I didn't own the home- the loan was 100 % paid offXXXX I also paid on time in XXXX & XXXX. 
An Example of all the reporting errors and things that are untrue 1. on XXXX XX/XX/XXXX Webster reports I am 90 days late paying- I had already sold the home & paid off the entire balance and owed them zero.. 
2. on XXXX XXXX XX/XX/XXXX XXXX reports XXXX am 60 days past due in XXXX XXXX even though again- I paid off the loan and didn't own home anymore. 
3. on XXXX XX/XX/XXXX they said I paid on time but I didn't own home. 

All 3 agencies are reporting a different number of late pays- Webster are also reporting as the wrong type of account.on my XXXX reports it as an overdraft checking account.. Its not a checking account.. 

I want this account removed and deleted from all 3 credit bureaus- XXXX, XXXX XXXX and XXXX..
Product: Credit reporting or other personal consumer reports

This account is in violation by misleading and false reporting on my consumer report.
Product: Credit card or prepaid card

My unemployment is deposited on a government issued MasterCard. My finance company doesnt accept payment from cards. I searched and found how to transfer money to my bank account. It worked the first time, when tried second time option wasnt there. Searched, read through their fine print, found out how to do it by phone. Third time option is no longer there. They have a 800 number that doesnt give you the option to speak with a person. There paperwork gives you a number to resolve with the Consumer Fraud Protection Bureaus that is fraudulent ( 1-855-411-2372 ), when you call and sit through fifteen minutes of commercials they give you some 411 service. I have money and cant pay my car note, when I try using an atm, they will only allow me to withdraw XXXX and then charge me XXXX dollars, and thats not enough to pay car note. Id like assistance with getting these people to unhand my money. There paperwork says they can charge me for not using my money, then they say I cant get a jury trial, I never agreed to that.
Product: Mortgage

I contact mortgage company PHH/XXXX XXXX XXXX on XX/XX/XXXX and was given instructions on how to get a payoff on my Shared Appreciation Mtg. On XX/XX/XXXX I sent all the documentation requested in the manner in which I was instructed. On XX/XX/XXXX I called customer service to confirm they received my paperwork. They confirmed that it was received and that my payoff would be faxed in 2-4 business day. On XX/XX/XXXX I called again since nothing was received and I was advised that it was scheduled to go out and that I would have it by XX/XX/XXXX at the latest. 
Needless to say it still has not been received. I called again this afternoon and spoke with an escalation manager who was to contact the Pay Off Dept. but could give me no further information. My closing, on the sale of this house is XX/XX/23, BUT the purchase of my new home is contingent upon showing the seller that I will have the necessary funds from my sale to purchase. They need to see the settlement statement in rough form showing the payoff etc. I am at the end of the period with less than 48 hours to go before I lose the house I wish to purchase. I do not understand why it takes 3 plus weeks to obtain a payoff on a mortgage. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint and the company said they deleted it off my credit report through ithis.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX added a debt to my credit report that was not mine. They also sent it to Crain and Weiner. I had to file a complaint against them for harassment. They have stop calling me but put it back on my credit report. I called XXXX XXXX and they are saying that the collection added it back on. I feel like this is just more harassment because I filed a complaint against them. I want this taken off my credit report completely. 
This form of retaliation has to stop.
Product: Credit reporting or other personal consumer reports

Found XXXX XXXX on my Credit Report
Product: Debt collection

Company XXXX XXXX is over charged a bill with rules no in the contract for 2 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX  XXXX and Equifax requesting validation of a Bankruptcy listed on my credit report as the information listed is not correct and I am aware that any thing listed on your credit report must be credit and validated. I reached out to the " original '' credit who is the Court and they stated that they do not validate anything. I wrote both Equifax and XXXX XXXX to give them an opportunity to verify that data. Equifax wrote back that they have validated it with XXXX XXXX therefore it was correct. I reached out to XXXX XXXX and they finally said that they do not even have a bankruptcy on my credit report. So my question is who is lying? I pulled my XXXX report and reviewed it myself and there is NO Bankruptcy listed so HOW did Equifax allegedly verify it with XXXX if its not listed. I have been keeping a record of the last communications as this has been going on since last year of shifting the blame. Now in I have proof in XXXX and white.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete specific accounts from my credit report as I have recently been the victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am entitled to request the deletion of information resulting from such unauthorized access to protect my identity. 
Below is the list of items I request to be removed : Bankruptcy Record : 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I placed a credit freeze in XXXX. Was issued a PIN #. TODAY I tried to lift freeze and am told I have incorrect PIN #. I NEED MY CREDIT TODAY, not in 2 weeks. I have all correct info. I DO NOT WANT THIS COMPANY HOLDING MY CREDIT HOSTAGE!
Product: Credit reporting or other personal consumer reports

I attempted to get my free credit report from XXXX and Experian responded that they can not provide my free report. This has happened in prior years too. For at least the past 6 years Experian has not been able to provide my free credit report and they do not justify why. They appear to be evading the federal requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Received in the mail a letter with a threat of possible legal action if I did not pay immediately. I sent a letter requesting a validation of such alleged debt and for them to support with appropriate documentation. Requested all statements, contract agreement with signatures, purchase agreement. MCM was not able to provide the requested documentation. Requested them not to call and they are still calling me everyday XXXX times. Also, there is another prelegal letter coming my way for the same account threatening me to proceed with legal action if I do not pay the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

Paid my bill on time with a cashiers check and was told the payment was " returned '' a week after it was " returned ''. After numerous attempts to navigate the XXXX a phone maze to talk to someone at American Express they were of no help. Tried calling four times and was knocked off the line each time for a total time on hold of 2 hours. HOW AM I SUPPOSED TO PAY MY BILL IF NO ONE WILL TALK TO ME?
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 2 years I have sent several certified letters trying to get XXXX to correct the errors from a company called " XXXX XXXX  '' they are showing as a collection. As well as a company called Portfolio Recovery showing the same. one shows I have a high limit of XXXX and XXXX shows XXXX credit limit. As well as NO records of my one time payments! They have NO dates reporting for either of these companies. ALL my bills show I am an exceptional payment and these 2 companies are significantly damaging my credit by not fixing these errors!!! And after at least 10 certified letters over the past 2 years of giving them information to correct and they still don't update!!! I want these both removed asap or I will now take this to lawsuit. It is too much now all these years.
Product: Credit reporting or other personal consumer reports

I did not Authorize the following inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX ( Inquiry date XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX ( Inquiry date XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX Inquiry date XX/XX/year> ) XXXX XXXX  XXXX XXXX XXXX, XXXX MI, XXXX ( Inquiry date XX/XX/year> ) XXXX XXXX XXXX DO- XXXX XXXX XXXX XXXX XXXX OH, XXXX
Product: Credit reporting or other personal consumer reports

I MADE THE COMPANY AWARE THAT THERE WERE FRADULAT CHARGES ON THE CREDIT CARD THAT CAUSED THE {$400.00} LIMIT CARD TO BE CHARGED OVER XXXX. THEY NEVER INVESTAGATED THE ISSUE. THEY SIMPLY KEPT THE BALANCE AT A NEGATIVE XXXX. THEY THEY DROPPED IT DOWN TO {$1400.00}. I NEVER MADE ANY PURCHASES TOTALING OVER XXXX WITH THIS CARD. I WROTE THEM IN XXXX OF XXXX  ASKING FOR THIS TO BE INVESTAGATED AND CORRECTED AND ALL I HAVE EVER RECIEVED WAS A BILL. I ALSO REACHED OUT TO THE CREDIT BUREAUS AND THEY DID NOT DO A COMPLETE INVESTIGATION AS REQUESTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with the   XXXX   on serveral occasions. The first time  XXXX / XXXX / 2017 , then again on  XXXX / XXXX / 2017  in regards to some incorrect information on my credit report. They never responded. I requested that they send me validation on the accounts that are showing on my credit report which i feel do not belong to me. I asked for as copy of written proof of what it is for. As of today I have not received a response.
Product: Checking or savings account

Complaint is against XXXX XXXX Card.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

note : Today XX/XX/2019 is the 4th business day since card.com concluded its investigation and I have not received written description of their investigation required by law. 

On XX/XX/2019 My former Electrical provider XXXX XXXX charge my Visa debt card {$620.00} without my authorization and without giving written notice. I had discontinued service with XXXX XXXX on XX/XX/2019. 
I contacted XXXX XXXX with in minutes of the charge but it was made on Sunday and on XX/XX/XXXX weekend so no one would be in until Tuesday XX/XX/XXXX. I left voicemails and sent emails with XXXX to call me. 
On Monday XX/XX/2019 the pending charge posted. I didn't want to wait until Tuesday to notice my Financial Institution Card.com of the Unauthorized EFT so I filed a dispute on XX/XX/XXXX by phone and in writing informing my financial institution Card.com I did not authorize the charge of {$620.00} and further more never gave XXXX authorization to charge my card period. To pay my bill I had to register my card but I always choose the one time payment option. 
I called my financial institution Card.com on XXXX a day after 10 business days to preform investigation or provide preliminary credit while investigation continues. I was told that the Investigation had be concluded and no errors were found. I disagreed and thoughout the day spoke with a supervisor and manager but they refused to allow me to talk to anybody else and I wasn't satisfied with who I spoke with because not one person was even aware of Regulation E or EFTA. I am now following proceedure and filing a complaint against my financial institution Card.com for possible violations of U.S. Code title 15. Chapter 41. subchapter 6.

1693D., 1693C.,1693F. ( d, e, f, ) and 1693G. ( b ) I have filled a previous  complaint against Card.com in XXXX because they had not found errors investigating a dispute that was actually filed initially by their own fraud department. On XX/XX/XXXX they credited my account but did not not provide any reason why and therefore admitted no wrong doing. 
In conclusion with-in a 30 calendar day period Card.com 's error resolutions department has found no error on disputes that clearly have error 's and on the first they reversed the decision. I believe if this is happening to me Card.com is most like likely doing it to thousands of thier other customers and an investigation should be done on the entire error resolutions department. 
I will be filling additional complaints against XXXX XXXX XXXX XXXX XXXX whom issued Card.com cards and Visa who's license is used.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my Experian consumer report and I demand immediate corrective action under the Fair Credit Reporting Act ( FCRA ). 

Removal of Accounts : XXXX XXXX ( XXXX XXXX ) is no longer on XXXX or XXXX, and therefore must also be removed from my Experian report. Additionally, FinWise/Opploans must be deleted from my report as it was removed from XXXX due to fraudulent, inaccurate, and unverifiable information. Under 15 U.S. Code 1681i, when one consumer reporting agency removes an account based on such findings, the others are legally obligated to do the same. 
Late Payment Statuses : XXXX has updated the late statuses on my XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX  to " current. '' Accordingly, Experian must correct these inaccuracies on my report. 
Name Representation : My name must be displayed accurately as XXXX XXXX XXXX, matching exactly with my driver 's license ( no middle initials or variations ). Under 15 U.S. Code 1681c, consumer reporting agencies must ensure the accuracy and integrity of the information reported. This includes maintaining proper identification to avoid confusion with other individuals who may have similar names. 
Collections Accounts : XXXX has removed the XXXX XXXX XXXX collection account. I have disputed the XXXX XXXX XXXX XXXX account multiple times due to their failure to provide a valid purchase agreement or chain of title/assignment of debt agreement, proving their right to collect or that I am legally obligated to pay. Furthermore, they do not possess a license to collect in XXXX violating FCRA standards for accuracy and fairness.

Legal Action : I have contacted the Attorney General and am currently in the process of seeking legal counsel regarding these matters. I will not tolerate continued violations of my consumer rights. 
I demand prompt correction of these issues and the immediate removal of the disputed accounts from my consumer report in compliance with 15 U.S. Code 605B and 15 U.S. Code 1666B
Product: Debt collection

Went to a family members address in an attempt to collect a debt, I called to set up payment plan and they wouldnt accept what I could afford, they talked me into a 4 month payment plan. I never received a bill from the doctor and was unaware of the bill.
Product: Credit card or prepaid card

I ordered an order of from XXXX on the XXXX of XX/XX/2022 worth XXXX $ on It was supposed to be delivered the next week but I did not receive anything. I waited 2 weeks and called them and they said theyd give me a call back. They never did so I called again and spoke to a XXXX XXXX XXXX and they told me I couldnt get my money back to the shipment again because the tracking number said delivered. I checked with my XXXX  office and neighbors and couldnt find it. No doorbell was rang or any signature asked for on an order worth almost XXXX XXXX  So I called my credit card company and disputed the charge and they credited the amount back on the XXXX of XXXX for XXXX XXXX After explaining the whole situation about how it said deliverered but I had not revived it. But then on XX/XX/XXXX ny credit card company ( discover ) recharged me again and went back on the credit and when I called to ask they said the company showed them the tracking number had said delivered so they had to Honour the merchant. I tried explaining my side and how I even called the XXXX and went to my XXXX  office but had no luck. My credit card company and XXXX are making me pay the XXXX $ for something that I did not receive or sign for.
Product: Credit card or prepaid card

Bank of America closed my Visa credit card account and kept my rewards, which amount to {$64.00}. The Bank assured I can not log into my account to further defraud me. 

Bank of America should return the {$64.00} reward I accumulated, just prior to Bank of America choosing to close the account. 

If this can not be resolved via CFPB, it will be resolved in the Court of Public Opinion and the Local Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # xxxxxxxxxxxx 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 an account without my written instructions
Product: Credit card

I called Capital One Customer Service Dept. and spoke with XXXX XXXX ( Rep ID # XXXX ) and XXXX ( Rep ID # XXXX ) about account reviews and credit line increases. 

I have XXXX credit cards with Capital One ; Last ( XXXX ) digits of " first card is # XXXX '' and " second card # XXXX ''. I asked XXXX XXXX and XXXX on Friday, XXXX XXXX, XXXX at XXXX when was my account last reviewed. I was told that information is not documented on my account and the department that does the review does n't take phone calls. I was also told the only way I could get an answer to my questions regarding account reviews was to write in and wait approximately " 20 days '' for a response. 

Although Capital One ' s Account Management Dept. told me my account would be reviewed annually and if I maintained a good payment history, which I have ; credit line automatically increased. They have failed to honor the commitment. 

The only time I 've received a credit line increase was in XXXX when I called asking these same questions. And, that was only on XXXX of my cards. I have good credit with all of my merchant accounts. 

In fact, as of today my balance on the # XXXX account is {$67.00} and my balance on the card # XXXX is {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the inquiries your company listed on my credit file. I have attached a letter in the file section below along with pictures showing the inquiries. It came to my attention that your company is reporting inaccurate errors on my credit file. I am in distress and I feel violated as a consumer that your company is reporting such information in my credit without me knowing this was going on. Pleas read letter in the files section. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.