23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to report a dispute regarding a transaction I made through XXXX on XXXX XXXX XXXX for the amount of {$1000.00}. The payment was sent to XXXX XXXX XXXX for XXXX purchase of a massage bed. Despite being promised delivery within 60 days, I have not received the product to date. I submitted a complaint since XXXX, the person I sent the payment to, has not replied to me. XXXX hasnt been able to confirm my delivery confirmation for the product I purchased. He sent the bill of landing but It does not include a tracking number or where the product will be delivered. XXXX, referred me to contact the shipping company, I reached out to them and spoke with XXXX. XXXX states he doesnt know where or when my order will be received. I have yet to received a response so I submitted it to XXXX as fraud since its been 7 months since the purchase date. As a result they closed my account rather than helping me. 

To provide a clear timeline of events : XX/XX/XXXX : I sent {$1000.00} via XXXX to XXXX XXXX XXXX for the purchase of a massage bed. 
XX/XX/XXXX : After not receiving the product within the promised timeframe, I contacted the seller and was given the shipping point of contact, XXXX. 
XX/XX/XXXX : XXXX informed me that he did not know the status of the delivery. 
Since then, I have made multiple attempts to resolve the issue, but I still have not received the product or confirmation of its whereabouts. 

I am requesting XXXX assistance to resolve this matter. Specifically, I would like to : 1. Confirm the recipients details for this transaction.

2. Determine if there are any protections or claims I can pursue through XXXX for non-delivery of goods.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/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

This company is fraudulent and needs a thorough investigation. 

On XX/XX/2018 I made my first payment on my credit account with them. They claimed that the payment didn't go though because the bank account I used to pay with was closed. This was a flat out lie. I use that bank account to pay all of my bills with no issue. I even double checked my account numbers, but there was no error. XXXX started charging me returned payment fees, and refused to remove them unless I had my bank send them a notice stating that my bank account wasn't closed. I contacted my bank, and they sent a letter to XXXX on XX/XX/2018 stating that my account was open. After a few weeks passed, XXXX claims to have never received this letter and refused to remove the charges while charging my account with more and more late payment fees. They told me I would have to have another letter sent, so I did, but they claimed to have never received that one either. 

Because they rejected the payment I made on a false accusation of my bank account being closed, XXXX froze my credit card account so I would not be able to make any purchases. While my account was frozen, I returned items that I had purchased with my credit card. I was unaware that my account was frozen because they never sent me a notice about it being frozen. I was only aware that they rejected a payment. The items that I returned were never credited to my bill. I had purchased a defective item that the store ( XXXX ) refunded to my card after an email conversation on XX/XX/2018. The refund amount should have been {$41.00}, and they told me it would take 3-5 days to process the refund. That refund never credited to my bill, because XXXX had froze my account. That same week I went to the store in person to return two other items I had purchased. I lost the receipt for the return, but the returned items were roughly $ XXXX {$80.00}. That return also was never credited to my bill. I have since contacted Comenity multiple times about this and they have done nothing to help. I have submitted proof of the email return and they are refusing to take the charge off of my bill. Instead they continue to charge me fraudulent late fees. I will not pay my bill until my bill is accurate. They are trying to charge me for purchases that I returned. Because I am refusing to pay them money that I do no owe them, they are charging me late fees that they're refusing to take off of my account. They are also still claiming that my bank isn't sending them letters, even though my bank has sent them two now. I want all of the fees they've charged to my account removed, and I want the refunds credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 70 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX  XXXX. 



Subject : CHARGE-OFF DISPUTE Account : Discover bank To Whom It May Concern, Going over my credit reports ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ).

1. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 2. Provide a copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt ; 3. State the maximum delinquency and when it was charged-off ; 4. Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security Number ( not truncated ) ; 5. Identify the date of the last payment made on this account and the amount of that payment ; 6. Provide how you made a determination that this alleged debt is within the statute of limitations applicable to it. Provide when you think the statute of limitations expires for this debt, and how you determined that ; 7. Describe in detail your firm 's charge-off procedures as they apply under the XXXX XXXX of XXXX ( Pub.L. 107-204, 116 Stat. 74 ) ; 8. Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest, fees, or charges ). In addition, explain how the added interest, fees, or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law ; 9. Provide an itemization showing the dates and amount of each reduction or payment that was accrued in your firm 's charge-off procedure ; 10. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed ; 11. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported all my inquires credit cards and loan accounts under my sister 's name ( XXXX XXXX ) we are twins and have the same birthday and social security number are off by one digit so I need the XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX under my name XXXX XXXX and there should be nothing under XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently noticed on my consumer report that there are some incomplete and inaccurate accounts/collections on my consumer report. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it should follow all reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, the collection agency has not provided validated information but placed ( XXXX ) collections on said consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently pulled my reports and noticed you are reporting the incorrect balance owed and date paid for this account XXXX XXXXXXXX XXXX XXXX. In fact, per their correspondence, my debt is not owed by Access Receivable Management and was satisfied internally. The information is being reported by your company and the bureaus are different, this means the account has not been properly verified. Most recently, this company reported that my last payment activity was in XX/XX/2021 which is incorrect. They are now continually re-aging my account which is against the FCRA.
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is EQUIFAXs duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 1 inaccurate late payment for the XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/year>. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

For the past two days Westlake Financial has used an automated dialer calling me after XXXX XXXX multiple times.
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft - Incorrect Reporting of Fraudulent Account Dear CFPB Representative, I am submitting this complaint regarding an account that continues to be reported on my credit file despite multiple attempts to have it removed. I am a documented victim of identity theft, and this fraudulent account does not belong to me. I have made numerous efforts to dispute this matter with XXXX, XXXX, and TransUnion, as well as with XXXX XXXX XXXX and XXXX XXXX XXXX, but the issue remains unresolved. 

The account in question is : Account Number : XXXX Original Creditor : XXXX Current Owner : XXXX XXXX XXXX Reference Number : XXXX XXXX XXXX XXXX has previously acknowledged my fraud claim and indicated that the account was closed, with a request submitted to remove the tradeline from my credit report on XX/XX/year>. However, despite their acknowledgment, this account is still being reported on my credit file, causing continued harm to my financial standing. 

I have attached a reference letter from XXXX XXXX XXXX confirming that the account was to be removed. This is my final attempt to have this issue resolved before pursuing further action. I request that the CFPB take immediate action to ensure that this fraudulent account is permanently deleted from all three credit bureaus. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me should you require any additional information. 

Sincerely, XXXX XXXX Attachments : Reference letter from XXXX XXXX XXXX
Product: Credit card or prepaid card

Sent my first formal complaint letter to Capital One back on XX/XX/XXXX requesting to move the inaccurate 30 day late from XX/XX/XXXX on account # XXXX. I sent it via USPS Certified mail ( # XXXX ) and also stated that per FCRA sections 611 ( a ) ( 1 ) they were to respond to my request within 30 days of receiving my request. I never got a response back from them, not within the 30 days that I sent out that letter. even used USPS tracking and have confirmation they received my letter, properly delivered to them. I wrote them another letter on XX/XX/XXXX and shortly after got a letter from Capital One saying they did n't know what account it was, and I did n't give them enough information in my dispute. My account 's late is still reporting inaccurately and negatively on my credit report and they are in direct violation of the FCRA. I do not want to keep writing dispute letters to them and re-sending the same documents and proof of my initial request sent via certified mail.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX Account Number : equifax XXXX XXXX XXXX XXXX XXXX XXXX Description of Inaccuracy : Past due amounts shows an inaccuracy Equifax XXXX XXXX is reporting a balance {$2600.00}, but XXXX is reporting a {$0.00} balance Also Times XX/XX/year> Days Late payment counter shows inaccuracy I have reviewed my credit report and found this information to be inaccurate based on my records. I am requesting a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Account # XXXX is reporting as an delinquent account that I have for over 5 years with no late payment and this is inaccurate. I have never missed a late payment within the 5 years I have had this account so for the Late payments on XX/XX/2018, and XX/XX/2018 marked as 30 days and 60 days late respectively has to get updated across all 3 bureaus and reported right as this is inaccurate and all inaccurate, wrong reporting information has to get removed from the credit report according to the FCRA. See attached documentation.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian and XXXX for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against Experian and XXXX for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete an inaccurate charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with the following details : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Despite disputing this account five times and providing evidence that it is inaccurate or unverifiable, Experian and XXXX continue to report this charge-off on my credit reports. It is important to note that XXXX has already deleted this account from my credit report, further demonstrating its inaccuracy. Violations of the Fair Credit Reporting Act ( FCRA ) 1. Section 611 ( a ) ( 1 ) ( A ) : Failure to Verify or Delete Disputed Information According to this section, credit reporting agencies ( CRAs ) are required to investigate disputed items and verify their accuracy within 30 days. If they can not verify the information, they are obligated to delete it. Experian and XXXX have failed to meet this obligation, as no verifiable evidence has been provided to substantiate this account. 2. Section 609 ( a ) ( 1 ) ( A ) : Right to Access Information I requested documentation validating this charge-off, including evidence of its legitimacy and accuracy. Neither Experian nor XXXX has provided the required documentation, further violating my rights under the FCRA. 3. Section 623 ( a ) ( 1 ) ( B ) : Reporting Accurate Information The FCRA mandates that furnishers of information, such as XXXX XXXX  XXXX, ensure that the data they provide is accurate and up-to-date. Since XXXX has already removed this account due to its inaccuracy, Experian and XXXX continued reporting of the account suggests negligence in ensuring the accuracy of the information. 4. Negligence and Harm to the Consumer The ongoing reporting of this charge-off has caused significant harm to my credit score and has negatively impacted my ability to obtain credit on favorable terms. This failure to act in compliance with the FCRA represents negligence on the part of Experian and XXXX. Requested Action by the CFPB I am seeking immediate intervention by the CFPB to : 1. Direct Experian and XXXX to delete the inaccurate charge-off account from my credit reports. 2. Conduct a thorough investigation into Experian and XXXX non-compliance with the FCRA. XXXX. Enforce penalties if necessary to ensure compliance and protect consumer rights. I trust that the CFPB will take the necessary actions to ensure that Experian and XXXX comply with the FCRA and delete this inaccurate account promptly. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My account is showing late and According to the provisions outlined in the relevant consumer credit laws, a creditor can not classify a payment as late unless they have established proper procedures to ensure that periodic statements, as required by section 1637 ( b ), are sent to the consumer at least 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account balance increased Between XX/XX/2024 and XX/XX/2024, your XXXX XXXX  account balance increased by {$160.00} from {$8600.00} to {$8800.00}. 

This company continues to report inaccurately on my reports and prohibiting other creditors from considering me when I've applied for credit. 

This debt was included in a recent XXXX  case that was dismissed XXXX help me with this issue.
Product: Mortgage

1. I have my home property at XXXX XXXX XXXX, XXXX, GA, XXXX. 2. Since XX/XX/XXXX Nationstar Mortgage is handling the service of collecting mortgage. 3. My LTV on the loan is 71.7 % as of today. 4. Nationstar Mortgage should have removed the PMI under Automatic Termination by Mortgage Company as per HPA Act of 1998.
5. Nationstar Mortgage did not remove the PMI of {$77.00} cents when the loan LTV reached under 78 % automatically.
6. Each time, one person talks and does not understand this. 7. I wrote 3 letters to the President and he does not care to remove it, busy becoming XXXX XXXX. All the documents are with them and with me too. On XX/XX/XXXX, I reached under 78 %. The original Disclosure statement on PMI states the Automatic Termination of PMI under 78 % is XX/XX/XXXX. Nationstar Mortgage is not replying to the 3 letters I sent to its President, CEO, Chairman. They have to refund the excess amount of XXXX collected from me from the date I reached under 78 % that is XX/XX/XXXX. In the case XXXX Vs XXXX XXXX XXXX XXXX, the U.S. District Judge XXXX XXXX , a Pennsylvania federal judge has clearly given a Judgement that even a loan is modified, the original contract, the original PMI Disclosure Statement is part and parcel of the original contract and another Disclosure Statement based on the modified loan can not be given. Nationstar Mortgage was referred the above Judgement, still they are not refunding the excess collected from the date the LTV reached under 78 %. My loan account number with them is XXXX. Thanks XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX  XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. 

I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. These INQUIRYS are fraudulently on my credit report. Please send me verification I authorized these : XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX  XX/XX/2022. This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions. Also the Credit Bureaus took more 30 days to complete my investigations.
Product: Debt collection

On XX/XX/2018, XXXX was contacted about past due account and reason ; payment arrangements were made to restore service. XXXX stated account could not be restored until full amount is paid. 

On XX/XX/2018, XXXX was contacted about additional charges on the account, promise to pay arrangements were made, and the agent stated the account would be notated so that the account will not be transferred to collections. Another payment was made following the call. 

On XX/XX/2018 I received a collection notice from an attorney office via email at XXXX claiming they tried contacting my office to collect a debt on behalf of XXXX without a response which is a negative and false. The cellphone has been temporary suspended due to non-payment. XXXX was immediately contacted referencing the harassment and was unable to resolve.