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

RBFCU is liable for {$260.00} on a purchase I made from XXXX XXXX on XX/XX/23. 

RBFCU erroneously investigated my dispute with XXXX XXXX and inexplicably, incompetently deemed the charge " valid ''. 

This despite the information I provided in which I said I DID NOT RECEIVE THE MERCHANDISE. How can a transaction be valid if I did not receive the merchandise, according to standard contract law? 

I told the person who recorded the dispute that : XXXX. I went to pick up the item ( cream cheese frozen ) and it had not been refrigerated at the XXXX location. I asked why they did not refrigerate the product and the XXXX representative said that " they did not have a refrigerator ''. I promptly told the XXXX representative that I did not want the product because it was spoiled because they did not refrigerate the product properly. 

XXXX. I contacted the seller XXXX 's XXXX and told them that I wanted my money back because they sent me cream cheese that had not been properly refrigerated when I went to pick it up and was as a result, spoiled. Therefore, I REFUSED THE SHIPMENT OF CREAM CHEESE AND DID NOT PICK IT UP. 

XXXX. XXXX 's XXXX said that they would talk to XXXX. I never heard back from XXXX 's XXXX and contacted RBFCU to get my money returned to my account. 

XXXX. The fault is with both the shipper ( XXXX 's XXXX ) for not telling XXXX to refrigerate the product AND with XXXX for not refrigerating the product after they received it. 

XXXX. I promptly contacted RBFCU after the holiday, to find out how the charge had been found valid and was told that there was nothing that could be done. Somehow, the person who recorded the dispute did not correctly record the important information which would make an analysis of the charge straightforward. That is : THE CUSTOMER DID NOT RECEIVE THE PRODUCT AT ALL. 

Unfortunately, RBFCU seems to have compounded the problem by somehow erroneously determining that, despite the fact the cream cheese was spoiled when I went to pick it up, through no fault of my own, and I did not in fact receive ANYTHING for my {$260.00} the charge was somehow " valid ''. 

This demand letter therefore is precursor to legal action to recover all damages from RBFCU 's egregious breach and violation of their fiduciary responsibility to protect my legitimate use of the RBFCU debit card against fraud from the vendor XXXX 's XXXX. 

Full payment in the amount of {$260.00} for the violaton is now due and payable to XXXX XXXX. 

Also, XXXX XXXX now demands that RBFCU explain the incompetent analysis of the charge, and resulting egregious erroneous error in not returning my {$260.00}.
Product: Debt collection

First midland reported on my credit report without ever contacting me via any formal written communication. Second Midland has not provided me with a validated debt as allowed to the debtor under 15 USC 1692 ( G ) SECTUIN 809B.XXXXXXXX hasnt yet to provide a valid basis for the debt, such as the original contract/agreement/promissory note between me and the original creditor bearing my wet-ink signature. Midland needs to provide me with the original credit claims that this debt became due and when it became delinquent. Midland has not provided me with a copy of my last billing statement sent to me by the original creditor. Midland has yet to supply a verified sworn to by affidavit copy of the contract your firm has with the original creditor, authoring them to engage in collection activating against the above alleged account. Midland hasnt provided me with certificate of authority and or proof that its able to collect in Florida. I would need a ledger statement showing the full accounting of the alleged obligation theyre attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I am affected by any natural or declared disaster. I have asked that this statement be removed from my account. 

I have asked for my own personal statement be added to the credit report Experian has refused. 

I have asked Experian for the documentation of investigations into disputed accounts reported. Experian has refused. I have not received any information or documentation on how disputes were conducted and how the results were determined. 

I am not and have not asked for a reinvestigation or investigation of any kind on any account in the credit report by Experian. This is an ongoing and continuous refusal of Experian to provide requested information and add personal statement. 

XXXX XXXX  XXXX XXXX company is wrong for reporting affected by natual disaster- I have contested this account on credit report for over 3 years. I do not owe The XXXX XXXX XXXX or the alleged originator of the collection. This statement constitutes fraud in reporting. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in  XXXX  and payment was due on the account in  XXXX   2017 . Payment was made on  XXXX   XXXX ,    2017  for  XXXX  's payment due. Student loan co mpany, ACS, processed the payment and applied it to my account. A few weeks later I was noticed via  XXXX  credit monitoring that my account with ACS had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. ACS did not correct the issue. Furthermore, I have attempted to call ACS on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.
Product: Checking or savings account

On XX/XX/scrub>, 2024, my XXXX was stolen while visiting XXXX. and my Wells-Fargo banking app was compromised. I saw unauthorized charges within hours, and I immediately contacted Wells Fargo to report Fraud on my accounts. Several Faud Claims were filed against all unauthorized transitions, and I was given claim numbers. Local authorities in XXXX, XXXX were notified ( Police report # XXXX ). My checking account is linked to Wells Fargo Credit Card. The bank processed XXXX unusual transitions that resulted in an overdraft. My checking account was credited with {$10000.00} which was used for all unauthorized purchases coming from my checking Debit Card. A wire transfer was then authorized for {$10000.00} to an unknown party/bank. Wells Fargo allowed these XXXX unusual transactions to be made without requesting additional confirmation, or tracing IP addresses, or considering previous account history. 


I received a letter dated XX/XX/XXXX from the Wells Fargo Fraud Department saying they would not reverse any overdraft charges and that. I received XXXX letters from XX/XX/XXXX saying that I authorized the charges that no error occurred and that the claims were closed. I went to my local WF branch and the branch XXXX, XXXX XXXX called Wells Fargo Fraud Department from his office phone while I was in his office to explain to them in detail the series of events. He said the fraud department asked for me to bring a letter explaining to Wells Fargo the details of the event. XXXX days later, I returned to the branch and brought the letter and a copy of the police report to be faxed to Wells Fargo Fraud Department. XXXX XXXX faxed it himself. Almost immediately, on XX/XX/XXXX I received new letters from Wells Fargo denying my claims. Ive been back to the bank, they will not explain the process for fraud claims, nor give me an email for the department, only deny. 

My account history shows that I do not make wire transfers, do not use my debit card for routine purchases outside of the US, and certainly not XXXX transactions in XXXX day. In addition, I do not have a history of overdraft and continue to make purchases. These were all very suspicious transactions that should have been flagged and required additional verification from me, but none of that protection was initiated or offered by Wells Fargo.
Product: Money transfer, virtual currency, or money service

I recieved a XXXX form from Block , Inc . It stated that we had recieved {$7100.00} in the month of XXXX through cash.app. I never opened a cash.app account, and did not complete these transactions or have any of this money. When I asked cash.app customer support to close the account they said they could not, even though I have the account number and it is linked to my name, address, and social security account. I have since filed a police report.
Product: Money transfer, virtual currency, or money service

Sold two collectible coins on XXXX  and funds were put into Paypal account. Paypal requested verification of ID, order confirmation, and tracking number. All was provided and my Paypal account was fully verified with banking info and personal info. However, they decided to lock my account and hold the funds for 180 days. I need access to the money immediately as they are rightfully mine.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX and I began email correspondence to discuss me purchasing a XXXX The XXXX XXXX XXXX XXXX Print Silk Shawl from her. On XX/XX/XXXX, I agreed to purchase the scarf for {$850.00} via XXXX. The {$850.00} consisted of the price she was selling the scarf for, XXXX fee, shipping cost, and insurance cost. 
I sent the {$850.00} to XXXX that day and she shipped the scarf to me the next day, XX/XX/XXXX, and provided me the tracking information. The day after that on XX/XX/XXXX, I found the scarf on XXXX website for almost {$300.00} cheaper. I emailed XXXX and asked her if I could return the scarf to her for a refund since I was able to find the scarf for a much better price. 
She didnt immediately respond to my email so when I received the scarf on XX/XX/XXXX, I shipped it back to her the same day without even opening the box. I emailed her to let her know the scarf was on its back to her and provided her with the tracking number and advised it would be delivered on XX/XX/XXXX. I asked her to please issue the refund. 
It was at that point that she told me all sales final. This was the first time we had discussed any type of cancellation or return policy. I explained to her she would have had to tell me the sale was final before I made the purchase not after. She said she would mail the scarf back to me when she received it and would not be issuing the refund. 
She did send it back and I received it again on XX/XX/XXXX. Once again, I did not open the package and mailed it back to her on the same day. USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX shows it was delivered to her on XX/XX/XXXX. She has not sent it back. 
I do not have the scarf nor has XXXX agreed to refund my {$850.00}. 
I am enclosing all of our email correspondence, pictures of the package both times I received it and mailed it back, and pictures of shipping confirmations when I mailed it back to her. 

XXXX  CONFIRMS THE MERCHANT ACCEPTED THE RETURN. 

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

1.XXXX XXXX  XXXX is reporting I have an account with them and I have never had an account with them. 
2. XXXX XXXX XXXX has an account on my credit and I have never had an account with them. 
3. Macys is reporting that I have an account with them and I have never had an account with them.
Product: Credit reporting or other personal consumer reports

Wells Fargo is the original debtor but XXXX XXXX is a collection third-party agency that harasses me
Product: Vehicle loan or lease

On XX/XX/2022, I purchased a vehicle and have had nothing but problems with this car I contacted the salesman five days later and asked to refund me my payment of {$1000.00} down towards my vehicle and he clearly stated theres nothing he can do I need to pay the loan of through Credit Acceptance or try and sell my car I had a 30 day warranty through the small dealership and also I have a extended warranty through XXXX both the dealership and the extended warranty company will not stand behind the problems I am having with this car I to it to a real dealership as per request led and the man that owns the small dealership who sold me the car will not fix the problems I want out of this vehicle as Im paying to many hidden fees and Im being way to over charge for this vehicle it only book values only {$3600.00} estimated I was charged over {$16000.00}
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

I called  XXXX  twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
<P/>
The following inquiries should not be listed.
  XXXX   XXXX    XXXX , PA   XXXX    XXXX / XXXX /17   XXXX   XXXX  .  XXXX  , NJ   XXXX   which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/XXXX .
Product: Credit reporting

I have recently been informed that there is negative information reported by Equifax, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX XXXX XXXX, ( who Equifax reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. Equifax received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. Equifax did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.
Product: Debt collection

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681, section 602 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b a creditor may not treat, a payment on a account under an open and consumer plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I modified my mortgage through my bankruptcy, which began in XXXX and was complete XX/XX/XXXX. My husband was part of the modification, but he wasnt on the original mortgage- I am the primary mortgage XXXX and hes the second party. Im not sure of the actual naming convention. Carrington is reporting the mortgage twice on my credit report and only once on his credit report my credit report shows my primary mortgage and then it shows the mortgage duplicated showing him as a signer and me as the primary mortgage resulting in my real estate debt totaling XXXX when its XXXX
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7800.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two forms of payments on my account for automatic deductions and have never been late on my account.

My brother had XXXX XXXXXXXX and I left for XXXX weeks to take care of him and my parents or father who has XXXX. It was a nightmare having to tell my dad everyday that his son was XXXX and watch him sobbing. 

During the six weeks when Upgrade tried to pull my payment my bank did not have funds but I was not worried because I had a second account on my account with them. I also did not know the payment was missed.

When I returned home after my brothers funeral and noticed the payment was missed I made it immediately. I was told by upgrade even though I have a backup account they can not pull from this account. I explained my situation and showed them my airline tickets for my six week stay and my brothers funeral announcement. Upgrade stated if I sent in a complaint to the bureaus they would take this late payment off my credit and I have tried twice and they still have it on my credit reports. 

This has made my credit drop over XXXX points and has hurt me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference to complaint # XXXX, XXXX XXXX XXXX  ignores my main concerns, that is to send me proof of validation from data furnisher, XXXX or court, but they continue to delay or ignore.
Product: Credit reporting or other personal consumer reports

Please refer to the attachment pertaining to the equifax data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is again refusing to update my XXXX XXXX XXXX Credit card statement account monthly as it it is reported by the creditor. Transunion has not updated this account since XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my car today XX/XX/20 however, I was unable to do so because my credit report came back with about seven accounts in negative standing. I didn't know these accounts were on my credit report because none of them belong to me. I am not responsible for any of these accounts nor did I benefit anything from them being open in my name such as money, goods, services or any other benefit and I never contributed to payments made towards these accounts. I don't know who these accounts belong to but I never gave anyone permission to open them in my name therefor I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. The accounts were opened with these companies which I am not affilated with in any way. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

Dear Synchrony Bank this is my third time disputing the credit card transaction against XXXX. On XXXX XXXX, XXXX I received a letter from Synchrony Bank post-dated XXXX XXXX, XXXX in regards to a dispute for account ending in XXXX. According to the invoice provided by XXXX XXXX which his own invoice detailed what material and work was expected to be completed at my residence. In the invoice it is documented that the customer, I agreed upon to have granite counter top, installation, and wooden kitchen cabinets installed in the amount of {$7800.00}. Again In his own letter XXXX XXXX stated he never completed the job and not all the goods as promised upon by both parties have never been rendered or delivered. Therefore, I am disputing this charge once again ( 3rd time ) for the goods that I ordered in which were never provided, I was wronged by this transaction, and how can I be charged {$4000.00} for something I never received, was provided, or rendered in its entirety? We opted to utilize another company, XXXX and again I faxed a copy of their invoice showing the work and material that was never rendered by XXXX XXXX had to be repurchased in an amount more than {$4000.00}. As a consumer I would thoroughly appreciate if Synchrony Bank would do a comprehensive review of my dispute. I have faxed more than enough documentation, on XXXX/XXXX/XXXX I faxed a comprehensive report outlining my claim, but I am faxing the same information for the second time for you to review again. Secondly, if you find my claim to have enough merit, I would like Synchrony Bank to remove the funds from the merchants account and put it back onto my account. Despite XXXX XXXX no longer using Synchrony Bank is not matter of our concern as a consumer, because at the time of agreement of the services requested and goods that I thought I had ordered by myself the funds were never received to me from XXXX XXXX XXXX to XXXX as originally agreed upon on XXXX/XXXX/XXXX when I was pre-approved for an open line of credit with Synchrony Bank. 

Respectfully,
Product: Debt collection

This company is violating my rights they have not provided information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.
Product: Debt collection

I am a federally protected consumer and XXXX XXXX has violated me under the provision of 15 USC 1692. Please review attached documentation.
Product: Credit reporting or other personal consumer reports

Received letter in mail congratulating me on a pre approved credit card and {$100.00} gift card. I called the number a the bottom to opt out ( XXXX ) and when I asked to opt out they refused and hung up on me three times. The second time they gave me a fake number to call and they received my first name and address thinking they needed it to opt out. 

I called additional numbers but can not reach anyone to help.
Product: Debt collection

In XX/XX/2020, I received a letter form IC System for debt collection on behalf of XXXX XXXX  XXXX which total in {$61.00}.

I called the debt collector firm right away as I wasn't aware of any amount owed nor I do not recall I purchased anything from the hospital institution.

The debt collector asked me if I want to dispute the transaction and submit a request to receive a itemized receipt from the hospital, I said yes. I stated that I do not have problem with paying the amount, but out of principle I just don't hand money out to anyone without proof of service/ receipt.

The debt collector asked me look out for a letter from hospital that should arrive in few weeks. I waited, but never received the proof nor was contacted again. 
However, on XX/XX/XXXX, I got credit report stating that I have one derogatory account open for {$61.00} and that it was reported to the Credit Institution so it will affect my good standing! 
I called the debt collector again on XX/XX/XXXX and asked about this, they told me that they didn't receive any proof from the hospital but that there is nothing they can do to revert the claims reported on my credit! I paid the {$61.00} hoping it will go away from my credit report, but I am not certain and I found this tactic dirty and unfair. Even if I did own that amount, don't I have the right to see the proof before being reported to the credit bureau? Can you help me to solve this or advice me on the options I have? 
Thank you, XXXX XXXX