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

I made a payment from my XXXX account to my American Express credit card on XX/XX/XXXX for {$600.00}. Generally, XXXX offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to XXXX, is settled immediately. On the American Express side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, which they provided. Now, American Express says that the funds were returned to XXXX on XX/XX/XXXX, but XXXX can not locate the funds on their end, stating the following : " Please provide a tracking number or reference number for the return of the funds. We can not locate the funds without a reference number. Please note, the reference number listed in the letter from American Express is their internal case number, not a number related to the transaction. '' On XX/XX/XXXX, American Express shared documentation they claim is proof of payment but the information is incomplete and makes no sense. The documentation shows the details of the debit account but has no information on the credit account, other than " XXXX ''.
Product: Debt collection

I have been disputing this account for some time now with CREDIT MANAGEMENT CONTROL. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit card or prepaid card

I signed up for a credit card with Best Buy some years back at the XXXX, Florida store location. I noticed I have been being charged for a " fee '' called Enhanced Debt Protection plan. This plan is approximately a dollar a day. <P/>I called Best Buy and wanted to report this as fraud for which I was denied this right with them saying I had signed up for this plan. I also spoke with Citi bank who the card is through and also asked to report this as fraud and they also denied me the right to file a fraud complaint saying because I had signed up for this plan. Again, I told them I had never signed up for such a plan. I also called this so-called Enhanced Debt Protection plan number and had them to cancel this immediately and informed them I had never signed up for any such plan and that these were fraudulent charges and demanded that I receive a full refund. I was told that they would cancel this plan but it would be thirty days before I would get a letter in the mail saying if I would get a refund or not. I asked for an address for Enhanced Debt Protection and a phone number and was given a post office box in Texas and was told there was no other physical address of phone number to reach them. <P/>I sent an email to the Best Buy XXXX, Florida store tonight asking for help in this matter as well. I asked that they try to find my application and make sure there was not a glitch or a mistake or that someone had made a change in my application. <P/>I have seen online, after searching for an answer to my problem to see if others had the same problem, where this was a problem for many and they have said they also never signed up for these plans. <P/>From what I have read online it appears that this has been going on for quite some time now. I want my money refunded. This is purely a fraud/scam. <P/>Also, there is no email to reach Best Buy corporate available on the Best Buy website. I am tired of calling and getting no where on the phone with people. I want to start putting everything in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple times disputed XXXX XXXX XXXX collection to be to be removed from my XXXX and Experian Credit Reports. At least for XXXX XXXX I have disputed several times and they have failed to remove this information from my credit report as the company has failed to provide any information from the original creditor on this debt, in fact my complaint through the CFPB they stated they are " trying '' to contact the original creditor, in the last two years they have n't sent anything!! In fact I called the original creditor and they do n't have any records for me. Thefore if this balance, proof of fees added illegally after charge off or a balance billing statement this collection should be removed. The told on themselves by stating in there response back CFPB that they have be unable to verify the balance on the public details of the last two payments one in which was the month before the account was charged off. This is not info to fall under FCRA, they must provide more than what is on my credit report to verify its accuracy. XXXX does not report this but Experian and XXXX XXXX are both illegally reporting this trash
Product: Mortgage

At the closing signing on XX/XX/2021 I was charged a {$1200.00} fee for a rate lock extension. This fee was not present in previous hard copies of the closing documents and during the closing process I spoke to different agents but there was still confusion so Caliber Home Loans said " it would honor our original agreement '' and reimburse me the {$1200.00} fee and that the agent would help me obtain that reimbursement and I still have not been reimbursed and I have followed up many times.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account NumberXXXX I did not authorize it. I am a victim of ID Theft please investigate and remove it from my credit report ASAP. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. This is causing great stress and greatly affecting my ability to buy a home for my family.
Product: Debt collection

I am writing to dispute an item on my credit report. The item in question is a debt of {$880.00} from an original creditor called XXXXXXXX XXXX  that was turned over to Midland Credit Management Services. 
I have no information or recollection of this debt owed to XXXXXXXX XXXX and I have not received any communication from them regarding this debt. To my knowledge, I have never had any business or financial relationship with XXXX XXXX 
Furthermore, I have reason to believe that Midland Credit Management Services has acted inappropriately regarding this debt. Not only did they send false lawsuit letters to my house, but they also made false statements to my county tax department. 
In addition to these false communications, a representative of Midland Credit Management Services made a false claim that he served my wife at our residence before filing a lien on my property at my county office building. It is my understanding that Midland Credit Management Services has a history of using these types of tactics. 
I am requesting immediate assistance in resolving this matter. I have already contacted Midland Credit Management Services to dispute this debt, but I have not received a satisfactory response. I ask that this issue be resolved as soon as possible, and that the item in question be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WAS THE EMPLOYER REQUESTED BACKGROUND CHECK FROM ASURINT FOR JOB EMPLOYMENT XX/XX/XXXX BEFORE THEY A DECSION WAS MADE XXXX XXXX WAS THE PERSON THAT WAS ON THE PAPERWORK THAT ASK FOR MY BACKGROUND.
Product: Credit reporting or other personal consumer reports

I Checked my credit Report and I saw that there were some inaccurate Accounts reporting.
Product: Student loan

I have defaulted on my student loans. I have made several attempts in the past 11 years or since XX/XX/XXXX ; to file for forbearance, to make payments and to use the income based repayment plan offered. Each time I took the time to contact the lender ( XXXX later Navient ) there always seemed to be an issue with paper work submitted and needing to update the next month. I made several attempts with payment arrangements over the phone to get payments to an affordable income based amount only to be told I had to resubmit and reapply for income based arrangements within days or weeks of submitting paper work. The entire process has cost me much time and even greater money, because despite my attempts at income based arrangements in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my original loan of XXXX has now grown to XXXX and is closed but Navient continues to call me XXXX times per day. The gentleman named XXXX assigned to my case has contacted my supervisor and most recently on XX/XX/XXXX the secretaries and receptionist at work asked me how they can get this guy XXXX from Navient to stop harassing them " every half hour, all day every day ''. I have not contacted the lender or debt collector for the past 18 months or so because I feel it has not helped in the past with false claims on options offered ie making arrangements to pay {$54.00} per month, and then two months later needing to go through the entire lengthily process again. I have worked at a non profit public service job for the past 11 years and have not had a raise in 8 years. I make {$XX/XX/XXXX} an hour working a 40 hour week with no changes in my income. I am XXXX years old and have had good to excellent credit throughout my adult life until Navient came into my life. I am hoping you can assist with getting Navient to stop calling my Employer 's main number and my supervisor ; I have not given nor have I ever given them permission to do so. I have however, given them my work cell and my personal cell numbers to call with concerns and issues. Please assist any way you can. This is not only troubling to me but to my co workers who HAVE to answer their constant calls because that is their job. Thank you for your assistance in this most troubling matter. I would be happy to be able to pay them {$54.00} a month the amount they have negotiated with me on several occasions to alleviate this problem. I can not afford the $ 250-300 they continue to seem to want despite offering me options. Ideally it would be a relief to be able to get my credit score back to the XXXX range but I can not see a way out with this navient " monkey on my back, '' Thank you for your concern, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 15 USC 1681 whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

Can you please review these accounts for any inaccuracies across the 3 bureaus i would like these accounts removed for false information immediately. 

According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Student loan

My loans have transferred from Great Lakes to Netnet. I completed a SAVE application on XX/XX/23 and sent in the application. I waited multiple weeks with no information. I reached out to them. 2 phone calls were made, on hold for over 3 hours each time, most would drop at hour 3. I was able to get ahold of someone finally and they stated that they needed extra documentation ( which they never requested before ). I sent in all documents a few days after the request, due to their website and document uploader being down. I was told that the SAVE app should only take 2 weeks to get answers, and Nelnet 's website stated " 10 days '' for it to process. I have attempted to call them for a week straight and have waited on hold for 3-4 hours each time, with no luck. I work full time and am unable to dedicate multiple days to waiting on hold, I just would like to know how much I will owe and if I was approved for SAVE. Their website now says that I requested more forbearance but they would still charge interest. I never requested forbearance and I need to begin paying my loans, as I work for a non-profit and will utilize PSLF.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report, filed on [ date of original dispute ]. Despite my prior communication, these inquiries remain on my report, causing significant harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act Us Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information that I own money to the dept of defense is incorrect and I do not own this I have sent the information for dispute as well as the reason I dont owe this.. this was an error on the finance ( unit ) And child support which Im up to date on
Product: Debt collection

on XX/XX/XXXX, i spoke to XXXX XXXX at Central Portfolio Control XXXX about the judgement lien against the property. 
We have agreed that the debt will be settle for {$4700.00}. Escrow called on XX/XX/XXXX to pay off demand, XXXX gave a pay off of {$5200.00} and must pay this before XX/XX/2019 Cental Protfolio Control is increasing {$520.00} interest rate in 15 days for a balance of {$5500.00}, is this legal? 

my contact info is XXXX, phone # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ] Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my credit report, I noticed incorrect information that needs to be investigated and corrected. The details of the disputed item ( s ) are as follows : Creditor Name : [ Name of the creditor ] Account Number : [ Account number, if available ] Issue : [ Briefly describe the inaccuracy, such as an incorrect late payment, an account that does not belong to you, an incorrect balance, etc. ] To support my dispute, I have attached copies of relevant documents, such as payment records, account statements, or correspondence with the creditor, that verify the correct information.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Please correct or remove the inaccurate information from my credit report and provide me with written confirmation of your findings. 

If you require any additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : [ List any enclosed documents ]
Product: Credit card

Lowes pay later account through synchrony bank offerd a loan to me less than what I needed so they ask me to pay {$71.00} on my credit card to them I did the loan never went through but they have my {$71.00} said no way to put it back on my card they could give me a check in a month? So they charged my for a loan I never received and kept my money interest free? This is a preditory company preying on people who desire loans for XXXX shopping
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

This student loan was originally for XXXX with XXXX XXXX and was discharged in 2017 in bankruptcy. The loan was then sold to XXXX, and they have it at over XXXX and harrassed me for a loan that I am not obligated to pay, which they got incorrectly. They call my phone 30 times a day. 

This loan is no longer valid. It was in my bankruptcy, and the court approved it, and XXXX XXXX was notified. XXXX XXXX should not have sold loan to XXXX I have never had a loan with XXXX.
Product: Credit reporting

According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me the method of verification within 15 days of my request. This should be hard evidence that goes all the way back to the original creditor. I did not consent for them to use an automated system as means of an investigation process using any online computer program, XXXX, etc. The credit bureaus are required to send the all of the supporting documentation regarding the dispute on to the furnisher of the consumer 's account within 15 days.
Product: Credit reporting

My first and second mortgage was through XXXX XXXX. We negotiated a short sale with them. They agreed to remove the balance on the first mortgage and close both the first mortgage and second mortgage and CHANGE THOSE STATUSES TO UNRATED. The first mortgage was properly notated but the second mortgage XXXX Account XXXX ) is reflecting a status of " Charged Off ''. I disputed this with the bureaus and they left the status the same. 

The three credit bureaus would have submitted this to XXXX XXXX. They would have sent back the dispute indicating that the charged off status is correct. This is contrary to the arrangement we had for the status after the charge off. The Fair Credit Reporting Act provides that the data furnisher has the same requirements for processing disputes and providing the correct data as the bureaus do ( FCRA section 623 XXXX a ) ( 1 XXXX ( A )
Product: Payday loan, title loan, or personal loan

I have a loan account with world finance. We have been trying to make arrangements. But I have been told I have one week to make a payment. I haven't worked in a month I do receive XXXX benefits but it only {$530.00}. Just enough to pay my bills and rent. If they take their money from my account I won't be able to pay my rent. I'm trying to sign up for unemployment with no luck, I haven't received my stimulus check. I don't have any money at this time and with the stay at home order. What can I do am asking for more time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.