23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Franklin Collection Service reported debts to the credit bureaus without notifying me or giving me a chance to verify the debt and/or pay it off. I contacted them concerning this. It happened again today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ulta credit card, serviced by Comenity, are perpetrating unfair credit reporting. They have added late charges to my account after I'd made my payment early, then when I paid my account off, placed interest charges 3 weeks after payment cleared for total stated balance on my account. Finally, they then placed a 30 day late charge on my account for the {XXXX} interest charged on an account paid off weeks earlier. 

Ulta, by Comenity XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : XXXX To whom it may concern, I am writing to dispute the {XXXX} charge on my account that is being reported as a 30 day late to all three credit bureaus XXXX, XXXX and XXXX. This is incorrect and when you see that my account had been paid in advance for the XX/XX/XXXX payment due of {XXXX}, you will see that any late charges should have been removed, except for XX/XX/XXXX when I was 9 days later than due date, with my final payment. 

My account had been paid off for 5 months, then I charged my account {XXXX} on XX/XX/XXXX. I did not have a XXXX payment due on XX/XX/XXXX, but I made a payment anyways on XX/XX/XXXX, that should have gone towards XX/XX/XXXX, since made after the monthly due dates of the XXXX that Ulta has on all their bills. Anything past the due date of the previous month, is supposed to roll towards the next payment. I paid ahead of time for my XX/XX/XXXX payment in the amount of {XXXX}, so the next payment due should have been on XX/XX/XXXX. You placed a late charge on my account XX/XX/XXXX, even though Id paid in advance of that date for that payment. I have NOT been 30 days late on a payment in XX/XX/XXXX or XX/XX/XXXX, as the account was paid in full on XX/XX/XXXX, only 10 days past the due date of XX/XX/XXXX. 

I not only was charged an incorrect XX/XX/XXXX late charge, but this also then rolled all my balances to a higher amount, so when I made my full balance payment of {$68.00} on XX/XX/XXXX ( that wasnt due until XX/XX/XXXX ), you still placed a {XXXX} interest payment on the next statement that should have had a zero-balance owing. I had already paid the XXXX payment ahead of time and in full yet 2-3 weeks later you placed another {XXXX} charge on my account. The full balance payment of {XXXX} should have been {XXXX} less as the XX/XX/XXXX late charge was unfairly added. To pay my account in full on XX/XX/XXXX, I should have only had to pay a total of {XXXX}. 

I am demanding you remove the XX/XX/XXXX late payment reporting on my credit report and I am reporting your unfair credit reporting practices to CPFB, as I have all the documentation to prove my complaint above is accurate and that you have been complicit in ruining my credit so I can not buy a home. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Mother stablished a Trust Fund ( Trusts name : XXXX XXXX ) with Merrill Lynch XXXX  office, on XXXX, with specific instructions ( wishes ) that the trust ( money ) should be distributed in equal parts with her heirs after the decease of our father, that happen las XX/XX/XXXX we contact them 2 days after XX/XX/XXXX and since them all we have hear from them are not really reason why they have not met the wishes written on said trust. 
Emails of people Involved, XXXX Trustee XXXX officer of Merril Lynch in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting a collection account to Experian & XXXX. I have disputed the information with these companies over 30 days ago and I have not received any correspondence from them. The account in question is below : Creditor : XXXX XXXX  ( Original Creditor : XXXX ) Balance : XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Information - Reference to Federal Laws and FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of certain information that appears on my credit report, as furnished by the credit reporting agencies. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and referencing federal laws that pertain to my credit information. I kindly request that the Consumer Financial Protection Bureau investigate, intervene, and delete all information that is not 100 % accurate per consumer law on my credit report as soon as possible. 

Additionally, I previously submitted complaints to the CFPB ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) requesting deletion of all inaccurate information and monetary compensation for each violation in accordance with the FCRA, other Federal Laws and regulations. 

The specific inaccuracies I am disputing pertain to the following charged-off accounts, which have been reported on my credit report : XXXX. XXXXXXXX XXXX # XXXX charged off XXXX. XXXX XXXX  # XXXX charged off XXXX. XXXX XXXX XXXX XXXXXXXX charged off ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX charged off ( Original Creditor : XXXX XXXX ) XXXX. XXXX # XXXX charged off XXXX. XXXX # XXXX charged off XXXX. XXXXXXXX XXXX XXXX XXXX charged off XXXX. XXXXXXXX XXXX XXXX XXXXXXXX charged off XXXX. XXXX XXXX XXXX # XXXX charged off XXXX. XXXX XXXX  # xxxxxxxxx charged off XXXX. XXXX XXXX # XXXX charged off I dispute the accuracy of these charged-off accounts, as well as the reporting of income information on my consumer report, which is in direct violation of my rights and has caused serious harm to me and my family. 
Furthermore, I am seeking monetary relief of {$1000.00} per violation for the following dating back to XX/XX/XXXX to present : 1. Defamation of Character.

2. Negligent Infliction of Emotional Distress.

3. Violations of 15 U.S.C 1666 ( b ).

4. Violations of 15 U.S.C 1681. 

I kindly request that the Consumer Financial Protection Bureau intervene and ensure that the credit reporting agencies promptly investigate these matters and delete the inaccuracies on my credit report. Please provide guidance and assistance to ensure that my rights under the FCRA are protected and that I receive the monetary relief to which I am entitled. 

In accordance with the FCRA, I expect a thorough and timely investigation into these disputes, and I request that the Consumer Financial Protection Bureau work towards a resolution of these issues. Attached is my consumer report for you review. 

Thank you for your attention to this matter, and I look forward to your prompt response and assistance in resolving this matter. 

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

XXXX XXXX XX/XX/XXXX In accordance with Fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 
THE FOLLOWING XXXX ACCOUNTS # XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX {$510.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$830.00} XXXX  XXXX XXXX FOLLOWING : XXXX XXXX {$91.00} XXXX XXXX {$75.00} XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX FOLLOWING : XXXX XXXX {$170.00} 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 U.S.C 1681C [ 5 ] SEC STATES ; NOCONSUMER REPORTING AGENCY MAY MAKE CONSUMER REORTS CONTAINING ANT OF THE FOLLOWING ITEMS OF INFOMATION ANY ADVERSE ITEM OF INFOMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS. 
15 U.S.C 1681S-2 [ A ] [ XXXX ] A PERSON SHALL NOT FURNISH ANY INFOMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFOMATION IS INACCURATE.
Product: Debt collection

In my last communication with EQUIFAX, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX BALANCED {$260000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$9800.00} XXXX XXXXXXXX BALANCED {$6500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent Quicken Loans a letter asking them to investigate the inconsistent information that has been reported to all 3 credit bureaus.I sent them the information that is stated below. On XX/XX/XXXX I received a response from Quicken Loans saying they completed a secondary review of the account and they did not find any errors in the reporting. If there were no error 's why am I seeing inconsistent data across all XXXX credit bureaus? 

XXXX Account # XXXX Monthly Payment {$1800.00} Date Opened XX/XX/XXXX No. of Months ( terms ) XXXX Payment Status Late 120 Days Last Reported XX/XX/XXXX Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX Account # XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX No. of Months ( terms ) XXXX Payment Status Foreclosure Last Reported XX/XX/XXXX Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX   Account # XXXX Monthly Payment {$360.00} Date Opened XX/XX/XXXX No. of Months ( terms ) XXXX Payment Status Late 120 Days Last Reported XX/XX/XXXX Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed inaccurate charge-off accounts on my credit report, yet Experian continues to verify these accounts without providing proof of proper verification. I recently received notice that you verified certain items from the following companies : XXXX XXXXXXXX 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 XXXXXXXX ) I demand a detailed explanation of how these accounts were verified. Specifically : Who did you contact at the original credit grantor? 
Did you communicate in writing, by phone, or electronically? 
Was a Universal Data Form ( UDF ) used, or was this processed through an automatic dispute verification system? 
Did you reach out to them using the exact address and phone number listed on my credit report? 
The Fair Credit Reporting Act ( FCRA ) requires you to disclose this information within 15 days of my request. I do not want a generic response stating that you use " various methods of verification. '' I am demanding a specific response, including the full name of the individual you spoke with and how this verification was conducted. 

Additionally, I require the exact date of the commencement of delinquency for each of these accounts. The original creditors are required to provide this information, so you must have it. When exactly did these accounts allegedly become delinquent, and when will they be permanently removed from my credit report? Do not provide the general " 7-year rule '' answer, I expect the specific dates.

Furthermore, according to the IRS guidelines, when an account is charged off, it is considered taxable income, and a 1099-C Cancellation of Debt form is issued to the debtor. This means that I have already paid taxes on these accounts, and under the FCRA, an income can not be reported on a credit report. If these accounts were charged off and reported to the IRS, I request the 1099-C forms for each of these accounts as proof that they were properly charged off and can not be legally reported as outstanding debt. 

If you can not provide this documentation, these accounts are being wrongfully reported, and their presence is damaging my ability to obtain credit. As a result, they must be immediately deleted from my credit file. 

If you fail to provide the required verification details, 1099-C forms, and accurate reporting dates within 15 days, I will escalate this matter further, including filing additional complaints with the CFPB, the FTC, and the Attorney Generals Office , as well as considering legal action for ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

I expect your prompt attention and a full response within 15 days. 

Best regards, XXXX XXXX
Product: Debt collection

I rented an apartment with XXXX XXXX for me and my two sons. Unfortunately I had to break the lease to go into the hospital for a XXXX condition. I was experiencing XXXX XXXX weekly. My medical condition was highly public and I have even been on the news for my XXXX condition. I made the leasing office fully aware that I was going into the hospital long term, and would not be able to continue leasing the apartment. They are now charging me with rent for the remainder of my lease, for months I didn't even love there, as well as tacking on trumped up charges for damages, when there WERE NO DAMAGES to that apartment made by me. The apartment was left in the same condition we found it in. Now I have over {$3000.00} worth of debt on my credit for this apartment. This is highly unfair, I can not control my health. This company is simply going after me for the money without any compassion. I have been completely absolved of my federal student loans because of my XXXX, but these leasing agency refuses to let the balance go, or at least lower it some and work out a settlement offer.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent money to a friend through MoneyGram. The MoneyGram representative at CVS was not able to complete the transaction because of lack of funds at the store. The CVS representative tried to split the payment between cash and a money order. The CVS  representative completed the transaction three times voiding all three transactions. After realizing CVS could not complete the transaction my friend went to XXXX to complete the transaction. XXXX informed my friend that he had exceeded his transaction limits. I contacted MoneyGram and they informed me that I would get a refund I could not correct CVS  's issue. They told me that the information was in the terms and conditions but it was not available when I signed online to send the money to my friend. On XX/XX/XXXX approximately 4 hours after the transaction I contacted my bank and MoneyGram to get a merchant reversal authorization. MoneyGram refused to do the merchant reversal authorization and told me it would be 3 to 10 business days from the date of XX/XX/XXXX. Both CVS and XXXX who represent MoneyGram we're unaware of the 3 transaction limit. The CVS manager felt bad that she had made the mistake that she did and could not get it corrected through MoneyGram either. It would appear that MoneyGram is trying to earn the interest off the money that was sent while I am left without the money and my friend is unable to receive the money. The lack of disclosure for the three transaction limit per day clearly violates some rule somewhere and weather at your agency or another agency can do something about this I will complain until they make it very clear to all their representatives that represent their company the rules and regulations and which is you applied to those thank you very much.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint against PayPal Credit/Synchrony Bank ( `` PayPal '' ) regarding its failure to properly credit my account for a {$1000.00} overpayment made to XXXX XXXX for the purchase of a mountain bike and accessories. 

On XX/XX/XXXX and XXXX, XXXX, PayPal processed five transactions totaling {$5200.00} to XXXX XXXX  on my behalf. The intended purchase amount was {$3200.00}, resulting in an overpayment of {$2000.00}. XXXX XXXX acknowledged it received an overpayment of {$1000.00} and refunded that amount, which was properly credited to my PayPal account . However, XXXX XXXX  denied receiving the remaining {$1000.00} overpayment.

I contacted PayPal to request that the remaining {$1000.00} be credited to my account. Despite providing all relevant documentation, including an invoice for the {$3200.00} total purchase price, and PayPal 's acknowledgment that they paid XXXX XXXX  {$5200.00} in total, PayPal denied my request.

PayPal 's decision appears to be based solely on the merchant 's denial of receiving the additional {$1000.00}, without conducting a more thorough investigation to determine whether a system issue resulted in the errant {$1000.00} charge.

This unresolved issue has caused significant frustration and financial inconvenience. I am seeking the CFPB 's assistance in investigating this matter and ensuring that PayPal credits the {$1000.00} overpayment to my account.

I have attached the following documents to support my complaint : - Purchase Invoice - Statements reflecting the transactions and refund.

- Correspondence with PayPal regarding the dispute. 
- Documentation from XXXX XXXX  acknowledging the partial refund.

Please let me know if additional information or documentation is required. I appreciate your attention to this matter and look forward to your assistance in resolving this issue.
Product: Money transfer, virtual currency, or money service

I was travelling in XXXX during the week of XXXX XXXX to the XXXX. Currently, XXXX does not conduct business with America banks or financial institutions which means my credit cards and ATM cards were useless. As a result, I had no money so I reached out to friends to send money via Western Union. XXXX sent {$540.00} XXXX XXXX as you can see from the screen shot attached. However, I was not able to receive the wire because I was told that only XXXX citizens can receive money via Western Union. Over the past 2 weeks, XXXX and I have made at least 10 phone calls and we get nothing but the run-around. They have not refunded his bank, nor will they allow me to pick up the wire at any local Western Uniuon locations. We 're both about ready to lose our minds. Any help you can give us would be tremendously appreciated.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related their 360 high yield interest savings accounts. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practice and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute stating XXXX XXXX XXXX account on my report not showing current balance of zero and account being closed/transferred to another servicer with XXXX, Experian, XXXX XXXX. All disputes were submitted XXXX XX/XX/XXXX and XX/XX/2022. On XX/XX/2022 received dispute results stating all information was verified. There was no change to the account balance or account status. Additionally XXXX XXXX has an announcement on their website that they are no longer servicing federal student loans. My federal loans were all transferred to XXXX on XX/XX/2022 which are currently showing on my credit reports.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX XXXX XXXX XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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: Checking or savings account

I filed a dispute on a {$100.00} charge on the 60th day from the date that the transaction was made which the transaction was made on the XXXX of XXXX for {$100.00} for a rental of a tuxedo, but in XXXX the company went Bankrupt and could no longer provide a refund due to being bankrupt. I then reached out to Navy Federal on the 60th day because I know that federal regulations only protect you for 60 days, navy federal provided a {$100.00} temporary credit but now have denied my claim and are refusing to give me my money back. I tried to appeal this decision via telephone which I was told no I have to go into the branch or do it in the mobile app which I do not have time to go to branch and I am not good with technology to do it over the app. Both ladies had an attitude and are extremely unhelpful and rude. They have threatened me saying they will take the money out of the account on the XXXX  and if they take this money out of my account I will not be able to afford my bills and this could cause a negative impact on my credit and my life situation. I would now like to be made whole on the {$100.00} plus {$500.00} pail and suffering.