23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a credit on my Dillard 's credit card in the amount of {$93.00} that I was overpaid my on my credit card in cash. Dillard 's insisted that they have mail me a refund check for that amount in XXXX, 2016. Until XXXX XXXX, 2016, I initiated the contact about my refund, the employee stated that the check is already mailed out to me. I told them that I have never received the refund check. I called back on XXXX XXXX, 2016 on the same issue of my refund check, I was told that Dillard 's will mail me an affidavit form that I need to fill out in order for them to mail out the refund check again ( no one told me that the refund check that Dillard 's sent out was cashed ). I have waited until today, XXXX XXXX, 2016, to call Dillard 's back about the affidavit form that they said they will send out, this time the employee stated that the refund check has been cashed (? ). I told them that I never have received nor cashed that refund check. I have been told many different stories every time I contacted them about my refund check. This time, Dillard 's told me that since the check has been cashed, there is nothing they can do for me. Really? 
I want to know what is my right to demand that my refund be sent to me or at least get a copy of the check that has been cashed so I can find out who cashed that check. What can you do to help me? 
It 's not that refund going to help or break myself financially, but I want a better service from a credit card company than Dillard 's in this case. Thank you.
Product: Debt collection

this is bill that originated after I went to the hospital ( which I was instructed by the VA to go to the nearest emergency room ). this was not a VA facility but like I said they instructed me to go.the VA has paid all of the other outstanding bills of this hospital dating back to XXXX/XXXX/2015 excluding this one bill. 
The reason the VA had not paid this certain bill is because they said that XXXX XXXX XXXX XXXX had not sent the necessary medical files. I have since been in contact with the VA and this company and now the VA has the correct paperwork and now it is back up for review and it should be paid within 60 days. but in the meantime this bill has been turned over to the collection agency and I have told them the situation and asked for a consideration to reset the time and they have refused
Product: Debt collection

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of MRS BPO , LLC. 

I received the attached collection letter on XX/XX/XXXX, from this, MRS BPO , LLC, claiming that they are collecting on an alleged debt that they are claiming to have acquired from XXXX XXXX XXXX XXXX. 

They are claiming that I owe an alleged debt in the amount of {$3900.00}, and I want to make it clear to MRS BPO , LLC, that I dont owe them, nor do I owe XXXX XXXX XXXX XXXX this alleged amount of {$3900.00}. 

I had questioned the balances many times on the card that I had been paying XXXX XXXX for, years ago, and I could never get adequate nor accurate answers. 

In XXXX I did have a XXXX XXXX credit card account, and I feel that XXXX XXXX deceived me with the rates, and charges that were being charged onto the account. 
Years ago I had contacted XXXX XXXX many times through their online account messaging center, as well as by telephone calls to them, inquiring about the rates, and charges that were being charged to the account. 

Many times I had made requests to XXXX XXXX for a reduction in interest rate on the account that I had, had, because the balance was going up drastically due to their usury charges, and fees. 
I had also requested if they would transfer the account to a lower interest credit card account that they offered, and each time my request was unanswered, or I had to resubmit my message through the message center, and their answer always came back as a NO. 

I have had no dealings with XXXX XXXX XXXX XXXX since XXXX, and they have been placing false status dates, and information onto my credit files, making it seem as though I have an account that I have been using as of present XXXX, and that is false, fraudulent information, they are doing this so as to destroy my credit. 

This collection agency MRS BPO LLC, has never contacted me to verify if I knew of, or to find out if I even owed this alleged debt, yet even prior to my receiving the attached letter from them on XX/XX/XXXX, they had been making annoying telephone calls. 

I am disputing this debt, and I want MRS BPO , LLC to remove any and all derogatory false fraudulent information that they have placed onto my credit files, and I am requesting that XXXX XXXX XXXX XXXX do the same. 

I have had no dealings with XXXX XXXX XXXX XXXX since XXXX, and it is wrong of them to place false status dates, and information onto my credit files, and I want it all removed. 

If there is an account with a balance due in the amount of {$3900.00}, XXXX XXXX has run that up themselves with their usury interest, charges, and fees. 
Then they pass on false information to the credit bureaus and collection agency without any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) 281, SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Credit card

I've been making payments on my accounts and they have restricted usage on all accounts I have with them. They have the payments several payments that were never reversed and cleared and now refused to refund or allow access to my XXXX. They have done this for XXXX accounts for myself, XXXX for my husband and XXXX for my family members as well. They have held over {$800.00} total in funds that have cleared and they refuse access as well as refund. CAPITAL ONE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account entry with XXXX on numerous occasions. In my letter dated, XX/XX/2018, I requested debt validation ( see attached letter ). I submitted a second request to them in my letter dated XX/XX/2018 ( see attached ) and they did not respond. XXXX blatantly ignored my request to provide a copy of the financial responsibility page and a copy of my signature with the alleged provider of service to release medical information to them as well as for them to cease any credit bureau reporting until the debt had been validated by me. XXXX did no such thing. 

By not providing the aforementioned information that was requested, XXXX is in violation of HIPPA rights. This entry is erroneous and inaccurate in nature as well as unverifiable and therefore should be deleted immediately from my credit report.
Product: Checking or savings account

Wells Fargo was over charging me and they closed my account due to fraud I had no consent of. I dont remember the specific dates but it was year 2020
Product: Credit reporting or other personal consumer reports

Statement Closing Date XX/XX/XXXX for {$310.00} was paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX leaving {$62.00} on Credit. ( On time ) Statement Closing Date XX/XX/XXXX for {$320.00} with Missing Payment Credit of {$62.00} applied to previous month total balance. 

Statement Closing Date XX/XX/XXXX for {$630.00} with past due payment of {$320.00} was paid XX/XX/XXXX and XX/XX/XXXX for {$320.00} ( on time and prorated due payment of {$310.00} ) Statement Closing Date XX/XX/XXXX with due amount of {$630.00} was paid {$320.00} on XX/XX/XXXX and XX/XX/XXXX ( 13 days late and prorated due payment of {$310.00} ) Statement Closing Date XX/XX/XXXX with due payment of {$630.00} was paid XX/XX/XXXX and XX/XX/XXXX for the the amount past due of XXXX ( 14 day late with prorated due payment of {$310.00} ) Statement Closing Date XX/XX/XXXX with due payment of {$630.00} was paid XX/XX/XXXX and XX/XX/XXXX for the the amount past due of XXXX ( 8 and 16 day late with prorated due payment of {$310.00} ) Statement Closing Date XX/XX/XXXX with due payment of {$480.00} was paid XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX for the the amount of XXXX ( 19 days late with prorated due payment of {$170.00} )
Product: Mortgage

I applied for a conventional mortgage through Wesbanco. During the initial closing disclosures, I discovered we ( my co borrower and I ) were being charge over {$660.00} for discount points. After explaining to the lender that neither one of us asked to purchase these mortgage points, nor was it explained to us prior to moving forward with the purchase, because as investors, we planned to buy the property, repair, rent and repeat. So, buying points on this deal would actually make us lose money on the investment after refinancing in only 4-5 years. The lender insisted that there was nothing he could do to remove the points because my $ XXXX investment loan was too risky.
Product: Student loan

In XXXX of XXXX likely around XX/XX/year>, my official education records including academic records, social security number, income information, my parents information, FAFSA data, and IRS tax transcripts were illegally accessed and improperly disclosed by the entire DOGE team operated under XXXX XXXX who is not a government employee and unauthorized to see such data. Him and his DOGE team are unauthorized third parties. I discovered this breach in XXXXXXXX XXXX XXXX and it alarmed me. Upon detecting irregular activity in my records, and have since received no follow-up communication regarding the incident. In light of these violations of FERPA and Title IV, I demand the immediate discharge of all my federal student loans and a comprehensive investigation into this breach. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV.
Product: Debt collection

I have repeatedly requested that BLACKWELL RECOVERY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Debt collection

I had previously filed a complaint with this company after they harassed my HR department and shared my personal information. I had reached out to them several times about a hardship and the harassment continued. Someone named XXXX who claimed he was in charge of the debt had me agree to a payment of {$50.00} bi weekly. He took my card info and a garnishment happened to my XX/XX/22 check in the amount of {$460.00}. He began harassment stating they did not receive it. He also gave me a separate number to reach him directly on which was a XXXX area code. As of today, they closed my account with them as paid off and claimed that only almost {$300.00} was paid. Which is not the truth. I am requesting my return of {$460.00} in check form or direct deposit since they have my checking info. Attached is communication from my HR department and XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

On XX/XX/year> there was a fraudulent wire transfers were made from my CHASE Accounts. Checking account a fee of {$25.00} and transfer of {$1200.00} was made. I DID NOT DO. 
Same day fraudulent wire transfer of {$1100.00} and a {$25.00} fee. 
I called the bank. Received my savings of {$1100.00} was given back but not my fee of {$25.00} I have called numerous and numerous of times, have been in the bank 3 times, have filed a fraudulent claim with bank, filed a police report, and filed a FBI claim. The bank finally told me that their investigation showed it was fraudulent but could only retrieve {$30.00}. That I can't get my money back. 
I have been put through it with Chase. Nasty things said to me about me making it, when I didn't. 
On my Chase history shows XXXX web attacks, they tried to get the money out 4 times before being successful. Chase never contacted me. 
They have made me feel more like a criminal then then Victim. 
I just want my money back and fees {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Reporting Agency ; Transunion refuses to remove a fraudulent Mortgage from my credit report. All other Credit Reporting Agencies has removed this fraudulent Mortgage from my credit report. I have submitted Police Reports, Affidavits, Identity Theft Affidavits and other information regarding my identity theft claim. But, Transunion refuses to remove the account. This issue has been going on since 2019.
Product: Student loan

Navient is reporting false information and is not responding to lawful request to investigate : Navient did n't respond to my direct certified mail complaint ( signed recieved XXXX/XXXX/16 ) of reporting false information on my credit reports. Navient did n't record my dispute in my Navient account or notify credit bureaus of the dispute. Navient never notified me of negative information at any point. When first contacting Navient by phone, Navient admitted having no record of notifying me of anything when I informed them my Federal Student Loan had been in deferral at the time they are reporting me as delinquent. On that call, they did admit the records were very old and incomplete. They said I 'd have to send them a written dispute via US Mail, which I did as refereed to above. Note : I had disputed this first with all XXXX major credit bureaus and found that the false info came back as " Verified '' by Navient. I then emailed and called Navient for help and then ultimately ended up sending the dispute by US mail per their insistence that the phone call and email disputes would not be accepted by them. It is now XXXX/XXXX/16, I have not heard from Navient and the credit bureaus have again " verified '' the false information with Navient.
Product: Vehicle loan or lease

This contract was cancelled and the car was paid off based on the XXXX rate. They received XXXX.This is being reported as a loss. This was not a loss and they're trying to get paid twice for a car that that has been sold. Attached are the last payment paid, before the car was sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got financing for a vehicleXX/XX/XXXX and was told before signing that my payments would start being reported starting XXXX of 2021 however when it started reporting it wasnt accurate I submitted a dispute however the financing company never responded and Transunion removed the trade line after calling emailing for serveral months without any assistance the financing company was able to finally speak with someone who claim they will resubmit my tradeline however this doesnt assist me when that tradline with perfect payment history was removed and I couldnt by a house because it was deemed I didnt have enough credit or payment history to reflect my words
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I saw a few things on there that wasn't correct and I reached out to the creditor on on XXXX XXXX for proof these were my debts. I requested this information to the following agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Amount {$620.00} XXXX XXXX XXXX  XXXX XXXX XXXX, Suite XXXX XXXX, NY XXXX Re : Acct # Ending in XXXX ( as it appears on credit report ), Amount {$1100.00} National Credit System XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$4400.00} National Credit System XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Ref # XXXX, Amount {$770.00} I didn't know this was even on my credit report until I was trying to get a house loan and was denied do to theses marks on my credit report. I feel I have given them proper time to give me the items I have requested and they have failed to compile with my request of them in 30 days from my letters I have attached to each of them.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to remove fraudulent items from my credit report. The continued presence of these items has had a severe impact on my financial well-being and has caused significant distress. 
I have submitted all required documentation, such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my persistent efforts to rectify this situation, the fraudulent items persist on my credit report. Each attempt to remove them has been met with delays, inconsistencies, and an overall lack of resolution, causing ongoing harm to my creditworthiness and financial stability. 

I am formally requesting the following actions be taken as a matter of urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. 
Immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand the importance of maintaining accurate credit reports for both consumers and creditors, and I believe that my request for a fair and accurate representation of my credit history is well-founded. 

I hope that such measures will not be necessary, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to XXXX, I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file. 

I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from XXXX OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY or provide me proof of permissible purpose. No idea who these companies even are : *SEE ATTACHED DOC* Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries. 

Please provide me with the outcome of your thorough investigation within 30 days of receipt of this letter. I am sending this letter certified mail, with return receipt requested so that I will have documented proof and confirmation of delivery of this letter.
Product: Debt collection

This company ( Wakefield & Associates ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;