23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, D.C. XXXX RE : Formal Complaint Against Fedchex Recovery LLC CFPB Case # : [ Leave Blank For CFPB Reference ] Dear Sirs/Madams, I am writing to file a formal complaint regarding the actions of Fedchex Recovery LLC , a third-party debt collection agency, who has been attempting to collect a debt from me. I am seeking your assistance to investigate this issue and ensure compliance with federal debt collection regulations. 

Details of the Complaint : Unclear Original Creditor : Fedchex Recovery LLC has contacted me regarding an outstanding debt. However, they have failed to provide clear documentation or verification of the original creditor. I have requested this information multiple times but have not received satisfactory responses. Without clear verification, I can not confirm the legitimacy of this debt. 

Failure to Provide Debt Validation : As required by the Fair Debt Collection Practices Act ( FDCPA ), I requested proper validation of the debt. Despite this, Fedchex Recovery LLC has not provided sufficient information to validate the debt they claim I owe. They have continued to engage in collection practices without adhering to the legal requirements for debt validation. 

Negative Impact on Credit : Due to these collection practices, my credit report has been negatively affected. Fedchex Recovery LLC has reported the debt to the credit bureaus, even though I have not received proper validation. This is causing undue harm to my credit score and violates the Fair Credit Reporting Act ( FCRA ).

Harassment and Unlawful Communication : Additionally, I have experienced repeated communication from Fedchex Recovery LLC, which I have requested to cease in writing. Despite this, I have continued to receive calls and letters regarding the debt. This is a violation of my rights under the FDCPA. 

Request for Action : I request that the Consumer Financial Protection Bureau investigate this matter to ensure that Fedchex Recovery LLC is in compliance with the FDCPA and FCRA. I also request that appropriate actions be taken to address the negative impact on my credit report and the continued harassment despite my formal requests to cease contact. 

Please let me know if further information or documentation is required to support my case. I trust the CFPB will ensure that Fedchex Recovery LLC is held accountable for their actions. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX has had XXXX balance for last 18 months, called santander bank because there was a lein on it for XXXX was ok need it to move fwb said you owe XXXX. Paid XX/XX/XXXX guy said will get letter saying lein release 7 to 10 days, nothing but red flag was seeing XXXX was never applied, called XX/XX/XXXX on phone for 50 minutes guy said go to bank they can provide me with a letter so take off work went to branch they couldn't produce any such thing. So by now loosing sleep over this, I called XX/XX/XXXX was on phone for XXXX hrs XXXX to be basically told still owe more money, do I hire a attorney? Take to court?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being capital one bank usa. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the ongoing frustration with the presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they persist on my credit report. This situation not only undermines my financial credibility but also poses a significant threat to my financial well-being. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to appear on my credit report despite numerous requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. Please help me remove these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please verified and update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$56.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

on XX/XX/24 stateline XXXX charged my XXXX for a part. I called to cancel the order but the charge was not returned. I was not able to successfully get XXXX to return the charge so i filed a dispute with citi bank for goods not recieved. 

On XX/XX/XXXX citibank closed the dispute in favor of XXXX. I filed a 30 day demand letter and contacted the XXXX XXXX XXXX and XXXX returned the money. 

citi however posted the XXXX to my account a second time. I have contacted citi bank XXXX times to return the money and since closed my account. They have not yet processed the return. I requested a refund for the yearly account fee that they had charged for the upcoming year since my account was closed. 

XXXX did not properly investigate my claim. They did not provide me the response from the merchant or contact me for more information. 

I am now also requesting a refund for the interest they charged for the invalid purchases posted to my account totaling XXXX 25 % XXXX for a monthly interest rate of 2.08 % XXXX x XXXX = {$15.00} interest per month x 5 months = {$77.00} interest paid from the purchase posted by XXXX 25 % XXXX for a monthly interest rate of 2.08 % XXXX x XXXX = {$15.00} interest per month x 2 months = {$31.00} Citibank also says they do not have the ability to return this interest and have been giving me the run around from department to department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against XXXX, Experian, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX XXXX XXXX regarding this fraudulent account to no avail. I have been under the impression that this fraudulent credit card account ( opened by my mother in XXXX XXXX without my knowledge or consent since she has access to my social security number ) would be totally removed from my credit report since I had nothing to do with this credit card account. The credit card maximum is {$5000.00} which she has maxed out. I am a XXXX in college just starting to get started in the world of credit and I do not have a good relationship with my mother. I just want this to end now. 

I have filled out an FTC Identity Theft Report on XXXX XXXX and have mailed a follow up letter to XXXX XXXX XXXX on that same day and have received no response. I also contacted XXXX via a letter for them to correct my credit report. I received the ' '' corrected '' credit report today in the mail ( XXXX XXXX ) which still has the XXXX XXXX XXXX credit card account on it. While it does say that the account has been closed, it says that the account will appear on my report for two years. What is the reasoning behind this fraudulent account staying on my credit report for two additional years? 

I have been trying to get answers and trying to get this fraudulent information off of my credit report from XXXX XXXX when I first contacted XXXX XXXX XXXX. 3 months now! When I spoke to the representative from XXXX XXXX XXXX on XXXX XXXX, the woman said that the credit card was opened with a birthday that was not mine. What kind of system is this where someone can just open a credit card with the wrong birthday? My patience is running thin. I am a college student and having to deal with all this nonsense during my exams and finals period is extremely unfair. I demand answers.
Product: Mortgage

I am writing this letter to express my total frustration with the dishonest and unethical behavior by HomeAmerican Mortgage Corporation ( HMC ). I have bought 5 homes over thirty years ( this is the second in Colorado ) and have never experienced anything close to my recent purchase. 

We initiated the purchase of our property in XX/XX/XXXX and provided a number of items at that time to the HMC. We also communicated that I would be retiring in XX/XX/XXXX and that my Daughter and Son in Law would live in the house for the duration. In XX/XX/XXXX,  our current house would be sold ( it is 100 % paid off ) and the proceeds would pay off the remaining loan. 

In XXXX we were asked to sign an Occupancy and Financial Statement ( OFS ). We marked second home. HMC insisted we sign this as an investment property. The OFS states that the owner intends to never use the home as a residence under this option. The OFS also has a section about fraud, misleading or inaccurate statements. We told HMC we would not sign this document as an investment property since that would be committing fraud. 

On XX/XX/XXXX, we were given the dates for our guided tour of the new home ( XX/XX/XXXX ), final home inspection ( XX/XX/XXXX at XXXX XXXX ) and closing ( XX/XX/XXXX at XXXX XXXX. ) Then the nightmare started. With less than one week to go, we started receiving a barrage of information requests from HMC. Most of the items could have been provided months ago. With 2 days to go, XX/XX/XXXX ( XXXX XXXX ), HMC insisted that we sign another Occupancy and Financial Statement as an investment property. I told them we would cancel the house purchase before I committed fraud. Quite frankly, the underwriter should be fired for their unethical insistence on how this was to be signed. 

As this point, we believed the process to be over. We attended the final home inspection on XX/XX/XXXX and found out HMC was wanting more information and that the closing would be delayed. I was still sending information at XXXX XXXX that night, over 5 hours past the closing time. This put us in a major bind. In all of my previous home purchases, once a closing time as set, the process was over. We had a number of items being delivered on XX/XX/XXXX. We decided to take the risk and did not cancel any deliveries. We should have never been put in this situation. 

On XX/XX/XXXX, we were told that we would close at XXXX XXXX, but that HMC was still wanting more information. All items that were submitted were from XX/XX/XXXX or earlier. Items that could have been provided months ago. 

It wasnt until we were driving into the parking lot of the XXXX XXXX at XXXX XXXX that we received word that HMC had clearing us for closing. 

During this last week, we went online and found a number of other individuals that have also have negative experiences with HMC. It is my hope that actions are taken so that nobody has to experience what we went through.
Product: Checking or savings account

I am writing this complaint to navy federal credit union regarding my continuous overdraft fees.
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 nephew, who's studying 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 inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

I contacted my mortgage company in XXXX 2013, M & T Bank, about a making home affordable refinance because I was under water with my mortgage. They took me through a process whereby they led me to believe I would be getting a lower mortgage, meaning they would resolve the fact that I am underwater and reduce my principle. In a nut shell, they told me I was ineligible for the program because of my income and said that they could still refinance my mortgage under the program and that I would not need an appraisal or would not have to pay any closing costs. They worked with me to get all my information and refinanced my mortgage. I thought I was getting a making home affordable refinance whereby my principle would see a reduction down to the market values in my neighborhood and that my payment would in turn be lower, which is what I needed due financial hardship of my mortgage. All in all, I found out when the dust settled and all the paper work was complete that they they did what is called a streamline refinance and that it was not in fact a principle reduction through making home affordable. I was left in the same situation I was in and still am struggling to make the payments. I am now in the situation where I have to either short sale my home or do a deed in leiu of foreclosure because they didn ; t help my situation. What they did was to talk circles around me to lead me to believe that what I was getting was apart of the XXXX XXXX program and all they did was line their own pockets by keeping the same principle so that they didn ; t lose money off of the large mortgage I have. They only reduced my rate, which did not reduce my payment at all. I feel like they cheated me out of the rights to get my underwater mortgage principle reduced and now I am in the same situation with little to no recourse and I want something done to investigate what was done to me and probably hundreds of thousands of more people.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XX/XX/2021 attempted to purchase a new vehicle. When dealership ran credit check my score came back a zero. Contacted Transunion in regards to the zero credit score and they verified my information and then told me nothing was wrong. Would not provide me further information or give me what my score was so that I would be able to complete the loan application for the new vehicle.
Product: Money transfer, virtual currency, or money service

I made a claim with you all so bank of America reopened my claim for the XXXX fraud after I reported it to you. Now they say they couldn't recover the funds from the bank. I called that bank the first day it was open and they hadn't received anything from Bank of America. Had they actually tried when alerted or stoped the transfer when I called the first time this could have been prevented. They failed to act in a reasonable time and now will not refund my money due to their own inaction. I want my money back and I want them held accountable for not stopping it when they had enough time and not trying to recover in enough time.
Product: Debt collection

Im constantly being contacted by phone and email from a company that my debt was sold to and have been inaccurately reported
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Convergent AccounXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX has violated my rights. 


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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF THE ATTY XXXX XXXX CHILD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
PROTECT YOUR XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Citibank I disputed this account about charges that they told me they was going to look into. I call time after time and they told me some one would get back with me. 
I wrote and disputed this account with 3 letters before it was turn over to collection and disputed it with no follow up on there part and mailed 2 letters disputing the account. And was talk to crazy on the phone and threating me to pay them XXXX XXXX. 
I 'm also being talking to some one of my legal rights rather to sue and show documents to the account or resolve it.