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

I filed dispute with XXXX on XX/XX/XXXX against XXXX XXXX in the amount of {$2800.00} for flooring installed on XX/XX/XXXX. The company did incorrect install which is clearly defined in an independent Engineering report that they paid for. They re-installed the flooring again incorrectly this year in XXXX, clearly defined in another Engineering report they paid for. I faxed reports and all other documentation supporting my case on XXXX. Discover took 28 days to acknowledge they have documents. I uploaded documents to them on XXXX as well. Discover supervisor XXXX told me today XXXX, unless I have document from XXXX XXXX stating I 'm due a refund or credit they will not be giving me my money back. Well, that is an idiotic statement. A dispute is because a merchant refuses to refund money. I have been given so many different reasons why I wo n't get my money back. It 's all made up lies by Discover. They are not honoring their contract with me, their customer that is clearly defined in their own terms and conditions. I spoke with XXXX XXXX in consumer advocacy executive department today. Got the same runaround from him. He told me he ca n't help unless the case is closed. Does n't a company have certainly legal responsibilities they have to abide by? They should n't be able to get away with this. I 'm told they will close case on XXXX. That 's 3 days. Hardly enogh time to adequately review my case. I was also told they do n't have to do anything because I 've waited over 120 days to complain. No where does my terms and conditions state this. They already made up their minds to not pay. How can your agency help me?
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), credit reports must accurately reflect a consumer 's credit history. Any discrepancies, such as incorrect late payments, closed accounts, or unauthorized inquiries, violate this federal law, granting you the right to dispute and rectify these inaccuracies. 

Social - XXXX
Product: Debt collection

I was never provided notification of this debt because of XXXX. A month ago I was provided with a lease that had an electronic signature and an unknown email I provided my XXXX and lease for this time frame to no avail. I completed their theft report and affidavit. This is getting to a level I need to take legal action an I need it documented
Product: Vehicle loan or lease

Dear CFPB Representative, I am writing to formally request the removal of an account from my credit report that was reported by XXXX ( or the issuing financial institution ). The account was previously marked as but the outstanding balance has been fully paid. Despite this, the account remains on my credit report, negatively affecting my credit standing. XXXX has stated that it was reported as a loss and they paid the balance. 

The details of the account in question are as follows : XXXX XXXX : XXXX I have attempted to resolve this matter directly with the creditor, but the issue remains unresolved. Since the balance has been paid, I believe the continued reporting of this account is inaccurate and unfairly impacting my credit. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated and removed from my credit report accordingly. 

Please review this matter and update my credit report to reflect the accurate status of the account. 

I appreciate your prompt attention to this matter. Please provide me with a written response regarding the steps taken to resolve this issue. 
Thank you for your time and assistance.
Product: Debt collection

3 years ago I had a brief XXXX procedure and received XXXX on my foot. I had insurance and paid my deductible. 6 months later a company not associated with the hospital and in another city sent me and invoice for {$900.00}. They wo n't sue me because they ca n't prove this is mine. Just last month they changed the dates with the credit reporting agencies to make it appear this is a new debt. I was suppose to refinance my home this month and I paid {$500.00} for an appraisal and now my credit score is to low to qualify for a {$600000.00} mortgage. I want it removed.
Product: Payday loan, title loan, or personal loan

Ma'am or sir I can not explain to you for the third time what has happened or what companies I am being discriminated against because I have social security XXXX income I also have HUD which is urban and Housing Development I'm trying to get custody of my granddaughter and I'm trying to move I'm trying to get a automobile financed I'm trying every company I think that is on the internet and the last 2 months so all you have to do is look at every single company I was given the wrong advice by XXXX XXXX   and by XXXX XXXX XXXX telling me to keep trying and fill out as many at the patient 's you can a day. Well that has given me about a XXXX XXXX trees no one has approved me and if they have texted me and said you're pre-approved to me that's unprofessional and scares me. I have been scammed by the US Treasury Department supposably and XXXX XXXX guy called I mean you could have of won an Emmy because he was so believable I actually tried to open up a bank account and download the mobile app so that he could transfer XXXX now when I say it or voice text it in this I just want to XXXX XXXX XXXX XXXX XXXX like this is caused me to have major major major insecurity issues about my XXXX it has caused me to be XXXX years old and have nothing and no chance I feel like I have no chance I don't even want to respond to the pre-approved things because just the other night I was pre-approved for that XXXX XXXX and I paid a {$39.00} down payment which honestly I don't know why they approved me and then I got a email two minutes later saying that that {$39.00} was non-refundable and that they can not approve me because I got a card from them or was trying to get a card from them in the last 30 days which makes no sense why did they send me an email and tell me to fill out their application! People are discriminating against me because I have social security income. I'm also trying to claim my granddaughter and I'm having problems because someone in the family snuck and claimed her without the mother 's consent I have the mother 's consent and I have mail so that would have given me a large bank account which I could have paid back any loan right then and there nobody wanted to prove me for a XXXX not even XXXX. I am going to take this as far as I can go I'm going to get a lawyer and I'm going to do something about this it is nothing but discrimination I pay {$150.00} a month in rent what else do they expect a person to have. And if I find out it's from the XXXX increase I'm going to sue every single company that looked at my report and then denied me for no freaking reason discrimination, discrimination, discrimination
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a XXXX XXXX XXXXXXXX XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why XXXX made it very clear that US Bank, XXXX XXXX, IN Members XXXX XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts have violated my rights. 

1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX - XXXX {$350.00} XXXX. XXXX XXXX BALANCE {$170.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions also have inquiries that do not belong to me. 

1. XXXX Inquired on XX/XX/202XXXX XXXX
Product: Student loan

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 120-180 days late with no late payments prior to that?
Product: Credit reporting or other personal consumer reports

This creditor is reporting incorrect information on my consumer report including but not limited to incorrect address, incorrect reporting dates all being done without my consent
Product: Prepaid card

I received an Amex Gift Card. I activated and checked the balance on https : //balance.amexgiftcard.com/ # /account. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Each time a " temporary transaction '' hits the gift card reducing its value by {$.00} as shown in the attached screenshot. 

Many people have reported having this problem starting this past year.
Product: Debt collection

I am writing the second complaint against Midland Credit Management, regarding their ongoing violations and harassment. 

Throughout this year, I have engaged with Midland Credit Management via telephone and USPS mail, in attempts to verify a debt associated with account number XXXX. On XX/XX/2023, I spoke with XXXX XXXX, a representative from Midland Credit Management, during which I expressed my concerns regarding the legitimacy of the debt. During this conversation, XXXX XXXX confirmed that the debt could not be validated and that no signed contract bearing my signature was in their possession. ( Section 1692g ) This situation aligns with the Fair Credit Reporting Act ( FCRA ) regulations pertaining to validation and removal. 

Subsequently, I disputed the account with XXXX on XX/XX/2023, resulting in its removal from XXXX on XX/XX/2023. As of XX/XX/2023, Midland Credit Management is no longer reflected on my consumer report with XXXX, XXXX, and XXXX. 

However, on XX/XX/2023, I received a mail via USPS from Midland Credit Management displaying their logo on the envelope. This action directly violates the Fair Debt Collection Practices Act ( FDCPA ), which stipulates that debt collectors are prohibited from revealing debt-related information on the communication envelope. Section 1692f ( 8 ), This breach is concerning, as it infringes upon consumer privacy and has induce distress, embarrassment, and harassment, Section 1692d. 

Upon opening the envelope, I discovered a letter dated XX/XX/2023, yet it was received by me on XX/XX/2023. Enclosed were the Pre-Legal Process pamphlet and a bill. This information is attached for your reference. Notably, since the aforementioned phone call on XX/XX/XXXX, I have not received any mail from Midland Credit Management, making this recent communication particularly distressing. 

It is evident that they are attempting to collect a debt that has already been expunged from my consumer report. The continued violations and harassment have led to significant emotional strain and distress. 

I've attached the following to this complaint : - Front of the envelope - Bill Instrument ( front and back ) - Front and inside of the Pamphlet - Envelope to send payment - USPS Informed Delivery to show when I received the mail - Screenshot of XXXX Dispute and Results
Product: Bank account or service

I have been locked out of my checking account with Suntrust bank for 2 weeks. After speaking with customer service, I was told it was locked due to a questionable check. I went into a branch and they told me it was turned over the the fraud department and told me it was a check for XXXX from XXXX, which was my daughters payroll check. She had deposited XXXX prior to this with no issues. My daughter contacted the payroll department at her work and they assured her the check was fine. They emailed a few days later and told her the check cleared on the XXXX of XXXX which was the day after she deposited it. 
A Suntrust employee at the branch spoke very rudely to me and treated me as if I were in the wrong. She told me I had to just wait and see if Suntrust wanted to terminate the relationship they have with me. Meanwhile they would hold on to my money with no further explanation. When I asked why someone did n't call me or contact me when the check in question arose, she said she could n't speak to me about it any further and I would have to just wait to hear from them. I asked how long that would be, she said indefinitely. I asked by what means they would contact me and she stated it would be either by phone, email or regular XXXX. It has been 2 weeks and I have heard nothing and my account is still unobtainable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX paid for this debt. XXXX already resolved the issue and took it off my record but continuous to reflect in this bureau. Furthermore, account is so old.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$250.00}
Product: Mortgage

I experienced a loss of income due to job loss XX/XX/XXXX. Consequently I paid my Morgage payments late from XX/XX/XXXX to XX/XX/XXXX. 
The Morgage company has reported the payments as late and my credit score has decreased. 
Now I cant get access to additional credit tools to better my financial situation.
Product: Credit reporting or other personal consumer reports

I am writing to address the persistent presence of fraudulent items on my credit report and to request immediate action to have them removed. I have made previous attempts to address this issue through your dispute resolution process, submitting disputes. However, despite my efforts, the fraudulent items remain unresolved, negatively impacting my creditworthiness and causing undue stress. 

As a responsible consumer, I am committed to maintaining an accurate credit report and ensuring the integrity of the information it contains. Therefore, I kindly request a thorough investigation into the fraudulent items and immediate action to have them removed from my credit report. Additionally, I seek transparency regarding the steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$31000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX Balance Owed : {$28000.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

MyMortgage company is not releasing my insurance check and I can not fix my home. My home is unlivable. This is an unacceptable situation.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX XXXX that is called XXXX XXXXXXXX XXXX This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
I previously reported this company for fraudulently reporting false information to the credit bureau and received a response that it would be corrected. 
I just pulled my credit reports and XXXX XXXX has now updated the bureaus that the account was closed XX/XX/XXXXXXXX XXXX XXXX XXXX. I have made payments of {$6.00} per month with an annual fee of {$48.00} since that date. 
I called and tried to explain that this account was never requested closed by me and that if they had closed the account back in XXXX, I am owed a refund of {$560.00} that was paid within that time frame. 
If it was not closed in XXXXXXXX XXXX XXXX  then this was fraudulently reported to the credit bureaus once again.
Product: Mortgage

When XXXX XXXX XXXX insisted on making me pay, Taxes and Insurance with an Escrow, it Assumed a Legal, fiduciary responsibility and it makes it absolutely liable for any mis-handling or any negligence that results in using any of it, except for its contracted purposes. 
At the closing and included in the closing cost, the Taxes and a full year of ( XXXX XXXX ) insurance was paid, to XXXX XXXX, in advance, so none of my escrow should have been spent. The fact that you illegally paid an insurance bill ; that ( XXXX ) sent, that I did not owe is a malfeasance of your fiduciary duty. 
I have been trying to recover my money from XXXX, Insurance ; the company, that New American paid by mistake, and the Agent XXXX XXXX XXXX is working to help me recover it also. 
I have talked to several of your employees about this and they were to help me also. 
Now you have been sending me a bill for the entire amount of the new, correct insurance ; ( XXXX XXXX ). You also charged me with late fees for not paying it all at once. Please understand that because of your mistake, you have the responsibility of helping me too. 
Now, I have had to get a lawyer to help me. We plan to take you to court and present all of our documented facts ; the same facts that you also have in your contract. 
We plan on suing you for the, ( Late Fees ), the law firms fees, court cost and the all of the money missing from my escrow. 
My attorney has attempted to contact you, and will keep trying. My attorney has said, that if you return the late fees, missing escrow funds and stop sending me bills with the money added to pay for your mistake, we need not go to court. 
I would like to get a response to this letter ASAP,
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against LVNV FUNDING / RESURGENT CAPITALL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Student loan

At the beginning of the month I agreed to participate in a payment payment plan to prevent my account from defaulting. On XX/XX/2018 due to an error in my original payment I agreed to pay XXXX dollars towards a forbearance that would prevent the default. The payment plan was agreed to pay XXXX a month for three months consecutively. 
I received an approval letter on the XX/XX/XXXX for the forbearance. 

Not until the XXXX was I notified that there was an issue with the payment. Apparently my bank rejected the check however my bank stated they have no record of this payment coming through. 

Now navient is refusing to give me the forbearance after taking my card payment for XXXX dollars. Stating that I will have to pay XXXX plus XXXX in order to stop my account from defaulting. 

I am barely able to make the monthly payments and now because of an error on there part that they admitted to now my credit will be affected.