23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the persistent presence of fraudulent items on my credit report, despite multiple attempts on my part to rectify this issue. I have been diligently working to address these inaccuracies for an extended period, and the lack of resolution has had a detrimental impact on my financial standing. 

Despite my numerous attempts to address this issue with your agency, the fraudulent items persist. I have engaged in written correspondence, submitted supporting documentation, and made phone calls in an effort to resolve this matter, yet the inaccuracies endure. 

Enclosed with this letter, please find additional supporting documentation reiterating the fraudulent nature of the items in question. I have attached : I request that your agency undertakes an immediate and comprehensive investigation into the fraudulent items listed. The continued presence of this inaccurate information is causing substantial harm to my financial well-being, and I insist on prompt corrective action. 

If a resolution is not achieved within a reasonable timeframe, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough investigation into the fraudulent items outlined. 
Remove the inaccuracies promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted XXXX letters to XXXX, XXXX, and XXXX separately and there has been no change
Product: Debt collection

This is very disappointing I just woke up and saw that I had two collections on my XXXX from Delivery Financial Services, First off I never received a statement/bill from the original creditor with a balance and did not receive a letter from the collection agency within 30 days to dispute or valid the debt ive stayed at my current address for a year and a half there no reason the for collection agency not sending me a letter to validate the debt or dispute before it was posted to my credit report.
Product: Prepaid card

XXXX XXXX : XXXX Replacement Card : XXXX {$500.00} I own a card that I bought with my own money. I exercised my EFTA / Regulation II PIN debit rights to use the card in good faith at local merchants, but InComm blocked the transactions and is holding my money without my consent.

I called customer service and asked for a replacement card. InComm sent me a replacement card but refused to activate it when I called in to customer service to activate the card, and even refused to provide identifying information about the card so I could locate any receipts or additional documentation. InComm reps refused to provide a timeline but indicated that it may take 30 days or more to get a working card. I did not get what InComm advertised to me : a working card that is accepted everywhere Visa/Mastercard debit card are accepted in the United States XXXX 

I want my money back and I want the CFPB/appropriate regulator to compel InComm not to block transactions in violation of Regulation II, or to promptly return all money, including purchase fees, to affected customers.
Product: Debt collection

National Credit System Dates Ranges on My Report XX/XX/XXXX to XX/XX/XXXX Never received letters of debt Collection Accounts pops up XX/XX/XXXX requested debt validation with documents nothing received but yet the states verified with no response back to me or proof of verification which I have requested 2x with no luck and no other form of communication theyre giving
Product: Credit reporting or other personal consumer reports

Hard inquiries that I did not authorize pulling my credit and the years are old. Should not be on my credit.
Product: Debt collection

I am filing this complaint against Midland Credit Management , Inc., for improper garnishment practices, interference with legally protected assets under UCC filings, and continued collection actions without proper validation of the alleged debt. 

Key Points of the Complaint : 1. Improper Garnishments : According to court docket reports from XXXX XXXX, Tennessee, Midland Credit Management has been receiving payments via garnishments labeled as payment received. 
These payments were taken without proper notice or documentation that the debt was legally owned by Midland.

Midland has not validated the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), yet continues to garnish funds. 
2. Interference with UCC Filings : On XX/XX/XXXXXXXX XXXX I filed a UCC-1 Financing Statement and a UCC-11 Information Request, asserting my legal rights over my personal assets. 
Midlands garnishment actions interfere with assets I have legally claimed under these filings. This constitutes a violation of my rights. 
3. Failure to Validate the Debt : I sent a formal debt validation request to Midland on XX/XX/XXXXXXXX XXXX and their response failed to provide adequate documentation. 
Specifically, Midland did not provide : A full chain of title showing ownership of the debt. 
A copy of the original credit application or agreement with XXXX XXXX 
A complete transaction history or breakdown of how the debt amount was calculated. 
I sent a second validation request on XX/XX/XXXX, and I am awaiting their response. 
4. Violation of Arbitration Clause : The original credit card agreement with XXXXXXXX XXXX includes an arbitration clause that requires disputes to be resolved through arbitration. 
Midland bypassed arbitration and obtained a default judgment in court, violating the terms of the original agreement.
Product: Student loan

I am currently working part time and is struggling to repay my XXXX private loans. XXXX XXXX XXXX recently sold my loan to American Education Success. XXXX prior to selling my loan to AES sent me a letter. In that letter, XXXX wrote that all the terms would remain the same. However XXXX had my loan in deferment until XXXX 2015. AES has informed me that payment is now due on XXXX XXXX, 2015. The AES Agent said that their are not going to honor the letter..
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting a medical collections under 500. 
XXXXXXXX XXXX  for XXXX I thought they were suppose to stop reporting these. 

I sent letters to them, but they never responded
Product: Credit card

I received the credit card I was told about the {$95.00} processing fee I had to pay it to even get the card but soon as I got the card I activated it and there was {$75.00} taking off the {$300.00} credit limit already I asked why and they said that was my yearly fee and it's not showing up on my transaction history at all they're sending {$75.00} just missing they're going to post that when they want to I received the card I think on the XXXX XXXX XXXX XXXXXX/XX/year> I used a card a couple of times that XXXX and my balance is now XXXX dollars and they say I only got a dollar credit lift because they took the {$75.00} already off so that's a XXXX XXXX XXXX I had to pay up front to get the credit card with a {$300.00} credit limit I tried to explain to them but that was illegal and I wanted to {$75.00} back or the XXXX dollars they refused I called them once yesterday on XX/XX/year> and ask them to do it the refund the money they refused I called them again today XX/XX/year> and they refused so I gave them two chances to make this right and they refused both of them it fell on deaf ears then I asked him about the military veterans today take off all the weird fees and stuff like that that they charge and and and you know for military for veterans and they refuse to do that as well I don't know if they have to do that I don't know but that's one that's not one of the complaints I have but I'm just throwing that out there and two I got the card like I said I think on XX/XX/year> and I've already got a bill due XX/XX/year> I mean that's not even having the card a little over a week and I got a bill dude that's not right neither
Product: Credit reporting or other personal consumer reports

I am writing to ensure a response from EXPERIAN regarding the XXXX history of the accounts that were recently disputed, updated, and still inaccurate.
Product: Credit card or prepaid card

Discover notified me this morning that someone tried to open a credit card with my information including my social security number. They were suspicious and reached out to me. They denied fraudulent credit card account and advised me to follow up with a credit bureau and get an alert placed on my credit. I then saw I should report the problem to you so am doing so now. I do want to thank Discover for being proactive.
Product: Debt collection

This company Credit control , LLC Duba Credit control & collections LLC has consistently been contacting my friend 's cell phones. Disgusting my debt, and today my friend reached out, asking me who are you owing money to because some lady just called me and discussed your entire finances. Gave them settlement amount and told them they can settle for XXXX of the price but we leave a good remark on the credit report After speaking to the lady had manager advisor, why are you contacting people that have nothing to do with my debt. She on a recorded line, admitted that I am not XXXX and whoever the other person Is that she's talking to is not me she discussed my dip with third-party people over and over again I have advise them to reach out and ask for FTC regulations. Not only did she discuss my debt with an associate, but also kept threatening to obtain the new living address of me. Incorrect information threatening on the phone, discussing my debt with third-party people. She has already broken the regulation set out for phone and collection companies. invalid due to incorrect information. On XX/XX/2023 they spoke two different parties of the company breaking FTC guidelines
Product: Credit card or prepaid card

My husband forgot to pay XX/XX/XXXXXXXX XXXX Care Credit {$27.00} payment. I did not get an email notifying me, I get a call demanding payment 10 days past the due date and tell them I cant make the missed payment at that moment in time. My husband makes the normal payment on XX/XX/XXXX, but makes it the normal amount {$30.00} ( I didnt know that he did that ) so the XX/XX/XXXXpayment is covered but not XX/XX/XXXXpayment or the late fee.

Again, no email or text notification, just lots of calls from people who are bullies who dont follow the Fair Practices Act and know it.

I begin getting calls from Synchrony and when I answer I am told they are attempting to collect a debt, I tell them we paid, they say it wasnt the full amount so I tell XXXX - he said his name was XXXX we will include the past due of {$30.00} and late fee of {$35.00} onXX/XX/XXXXdue date, that I cant pay it today but it will be before its 30 days past due and Im told they are bank and it doesnt work that way. I tell him hes not working with me, he tells me again they are a bank. I hang up because he wasnt following the Fair Practices Act, being derogatory and mysoginistic in tone at XXXX XXXX on a Saturday. XXXX XXXX Care Credit charges an arm and a leg in interest, and this is the first time Ive ever been late on a payment and they used a bullying misogynistic phone caller who demanded money immediately before the bill is even 30 days past due and refused to hear or accept what i was saying.

If this is what bank deregulation is, I dont want it to ever be deregulated again. I cant snap my fingers and make money appear overnite and they are not working with people who get paid twice monthly nor due they notify by civilized means, aka text or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper uses of my credit files Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for the American Express Platinum card with American Express and got approved for the card on XXXX XXXX, 2016. The signup bonus of this card is receiving XXXX Membership Rewards by spending {$3000.00} with the card within 90 days from opening of the account. I met this spending requirement and received XXXX Membership Rewards on XXXX XXXX, 2016. As I noticed the card was not as good as I expected ( for example, the card was unexpectedly not widely accepted by many stores when I was traveling in XXXX, but I could use any Visa or Mastercard credit card ), I asked to close this account in early XXXX, 2016. Before I let the Amex representative to close the account, I asked the representative if I would lose the XXXX Membership Rewards after the account was closed. I was assured by the representative that no Membership Rewards in my account would be lost, including these XXXX Membership Rewards, as long as I kept my Amex Premier Rewards  Gold card open, which could keep all my Membership Rewards in my account. After getting this promise from Amex, I asked the representative to close the Platinum card, and kept using my Premier Rewards Gold card ( ending with XXXX ) until now. However, to my great surprise, I found after my Platinum card account was closed, XXXX Membership Rewards were removed from my account on XXXX XXXX, 2016, shown " adjustment ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter directly from the creditor asking that their tradline be removed from my report. The first CFPB complaint was opened due both companies past experiences with not complying creditors request and sometimes flat out ignoring the direct request to complete the task and passing it on to another department to handle as you can see in response from Transunion who closed the ticket almost immediately and passed it on to another department and XXXX who has done absolutely nothing and now a second complaint was escalated to the CFPB on the same issue because Transunion and XXXX   refuses to properly investigate consumers request as directed by law and does not comply when a creditor request to have their tradline removed. In this case they just past it on to there coustomer relations team that does nothing. They cant even call the number and speak to Mr.XXXX ( the creditor who requested this trade line to be removed ) and whose address and phone number on on the the original document. There is no investigation there is no complying to the request of the creditor or consumer. This why I opened the second complaint against Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX I received a text message from someone claiming to be Wells Fargo asking if i had used XXXX to transfer someone {$3500.00} and asked me to reply yes or no. I replied no. Then they sent another text saying it was the Wells Fargo fraud department and I would be receiving a phone call. Three minutes later i received that phone call. They asked me to confirm that I did not send the money to anyone. They had me follow their instructions to " reverse '' what had happened and made me enter a new recipient under my own name. These people knew my full name and that I had a Wells Fargo account. After I followed their instructions they told me the money would be back in my account within 24 hours. It was not. I called Wells Fargo the next morning ( less than 24 hours later ) to see what was happening and they said they never texted me nor did they call me and that I had been a victim of fraud. I then made a claim with their fraud department. Case # XXXX. Wells Fargo said the money went to a XXXX XXXX account and they would look into it. I called again the next day to get an update and they said they had closed the case after just one day and that there was nothing they could do. This upset me very much as I have been a loyal customer to them for a long time and up until this point I have been happy with them. If these scammers knew my name and that I had a wells Fargo account it seemed real and the scammers knew exactly what to say to make themselves believable. Wells Fargo ( the real one ) never sent a text or a call to confirm that I has sent money. That is also upsetting that my bank wouldn't verify that a large transaction was actually made. I believe that is poor customer service and the fact that within 24 hours their investigation was over. {$3500.00} is a lot of money and I am a single income. Losing this money has affected my life quite a bit. Please assist me in getting this money back into my account as it is greatly needed. Wells Fargo should have spent more time looking into this especially because I had reached out to them within 24 hours of the fraud actually happening to me. I believe They should have reached out to confirm that such a large transaction has been made to confirm and they didn't. I am extremely disappointed in Wells Fargo as I have been loyal to them with my checking and savings account for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXXXXXX Balance : {$260.00} Medical XXXX Balance : {$590.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Checking or savings account

i was a victim of a scam tats why bank of america did whats wrong with me n XXXX acct was paid ill like to dispute whats on my credit n there a lot of misreport on my file dispute I am requesting that this item be deleted / adjusted> in order adequately reflect my true credit history on the attached report. I am asking you to reexamine this item and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. 



Sincerely XXXX XXXX dob.XX/XX/XXXX add XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Prepaid card

I purchased a property from XXXX XXXX in XXXX. I never got a contract from this company. After I paid a large amount of money, using XXXX credit cards, I still had not gotten a contract on the land. I live in XXXX so now I am getting concerned. I contacted XXXX, General Manager, XXXX, Office Manager and XXXX, Finance Manager and requested this contract. I get an immediate email from XXXX that stated that he sold my property, which was {$250.00} per month, last night and that he had others. I asked him for a refund. He stated he gives refunds but since I had been looking at different properties since XXXX with him, this is now XXXX, he would not refund me but would put me in a property with twice the payment or he would hold the money for me until I found something else. I then request my credit cards and Paypal Prepaid card to refund me based on this is a scam and fraud and I never had a contract. My XXXX XXXX gave me the money within two days. Paypal told me twice that they had the money, it had been refunded by the merchant and it would be refunded by XXXX and today, XXXX I get an email they will not be giving me my money because I authorized the transaction! I am willing to file a police report because I do n't even know if this is a legitimate company at this point!! I call the dispute department with Paypal and I can not speak to anyone and I get people from XXXX who tell me I am getting my money but the email says the opposite. I have spoke with an attorney who clearly sees this as fraud and I was well within my federal protected time frame for right of recession which I still am because there is no contract!! XXXX law is to have a contract notarized as well but the point is XXXX sold the ground I purchased AFTER I paid for it so I would NEVER have paid for this had I known he sold the ground to someone else that he sold to me!!! I NEVER RECEIVED ANYTHING FOR THIS MONEY OTHER THAN A CREDIT!! I do n't want to do business with this man as he is obviously fraudulent and a scammer.