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

Since I wasn't able to setup a account for my Mom. I'm sending this complaint through on my own account I have setup through you. 

On XXXX XXXX I had my daughter to go into the XXXX XXXX 's XXXX  to purchase a hot waterheater. Since due to my XXXX I'm not able to move around these stores. The XXXX 's cashier rung mydaughter 's order up where my credit card was used and the cashier forgot to include delivery for this hot water heater to our house. The order was canceled and resubmitted which then included thedelivery charge. XXXX 's never gave a receipt for this purchase and said they needed both receipts dueto their error on how the cashier rung up the order. A extended warranty was added to the order. Afew days later the hot water heater was delivered to our house. After numerous attempts to retrieve areceipt we're unsuccessful. Still when delivery was made no receipt was given. The hot water heaterfrom XXXX 's only lasted for 2 weeks before it quit working. We tried to have XXXX 's to stand behindtheir faulty hot water heater, which was unsuccessful. We even contacted the manufacturer to try tohave them to stand behind their faulty hot water heater, this too was unsuccessful. I had the warrantyfrom XXXX 's plus the warranty from the manufacturer and neither one stood behind anything. Afterexhausting all these attempts I then went back to my credit card company XXXX US Bank ) to try to get mymoney back since both XXXX 's and the manufacturer breached the warranty of this faulty hot waterheater. I wasn't able to be given the opportunity to provide my proof to US Bank. Instead US Bankengaged into a unfair one-sided investigation which only took XXXX 's dishonest fabricated responseand sided only with XXXX 's XXXX If US Bank would have fairly investigated this claim and allowed me toprovide my proof it would've plainly showed where XXXX 's was in the wrong. Each month after USBank unfairly recharged the amounts back to me. I wrote to them disputing this. I also had this written on each of my payment tickets, along with it being written on my checks.
Product: Debt collection

On XX/XX/XXXX I ordered the first set of XXXX XXXX XXXX retainers. Later XX/XX/XXXX the company went XXXX  and all their locations closed and I wasnt able to receive the rest of my fittings or services. Since then theyve been charging for my the service XXXX $ s every month. I want the charges to stop.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/XXXX Remittance Company : Remitly Reference number : XXXX Amount : {$1300.00} USD Bank involved : XXXX ( XXXX ) I was sent a message on XX/XX/XXXX that the funds were delivered to the recipients account. 
But upon checking with my sisters bank account, nothing was credited. 
Numerous attempts have been made through the remittance companys phone number and chat service, but i was kept on hold for several times and have to wait for hours with no resolution on the problem. 
Today, XX/XX/XXXX, I demanded a refund of my hard-earned money, but all Im promised is a 24-hour call wait again. This promise has been their excuse for the past 2 weeks now, and its causing me a significant inconvenience to me.
Product: Credit reporting or other personal consumer reports

XXXX has continuously reported this account inaccurately on my credit report. Everything is about accuracy, and if this account is not deleted immediately, I will sue XXXX for statutory damages. Under 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), I can seek damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming you owe the debt. 

XXXX is reporting this account as a repossession on my consumer report, and has responded to CFPB Complaint # XXXX indicating the account was charged off. 
It is obvious that my rights have been violated and Neither the credit reporting agencies, CFPB or XXXX has taken the proper steps to resolve this issue. I have provided documentation showing clear proof that this account is reporting inaccurately and my continuous requests for deletion ( which is required by law ) has been ignored. 

I submitted a complaint about this issue on XX/XX/year> to CFPB and it has been over 60 days and the issue has not been resolved. 
Agency Compliance Specialist XXXX from XXXX also reached out to me in hopes to " resolve '' this issue, but when she was notified that I was recording the call for my own security, she had nothing to say, verified who I was and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report . My latest credit report shows Navy Federal Credit Union credit inquiry/inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
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
Product: Credit reporting or other personal consumer reports

I have tried to correct personal information with the credit bureau company and is almost impossible. The company refused to comply with FCRA requirements and also did not provide a written response to my request. Attached to the comply certified letters sent to the credit company. I have also tried to correct the information by phone, but the company has employees that do not comply/understand the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Experian decreased my credit score from XXXX to XXXX. 

XX/XX/XXXX, I contacted Experian who told me that I have two XXXX  credit cards. One of them ( ACCN # XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX, does not pay {$6.00} XXXX and XX/XX/XXXX. It made my credit score dropped. But I have only one XXXX  credit card which is opened XXXX XXXX. 
So I have disputed XXXX  credit card ( ACCN # XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX to Experian XX/XX/XXXX, I contacted XXXX credit card department to check my XXXX  credit card accounts, XXXX confirmed that I have only one XXXX  credit card since XXXX and I paid on time and never skipped the due date.Also, I have not used XXXX  credit card since XXXX. XXXX confirmed that I do not have their credit card account with ACCN XXXX XXXX XXXX XXXX that is in Experian credit record. 


XX/XX/XXXX, I was also checking XXXX  and XXXX. But they do not have any issues those were from Experian. 

XX/XX/XXXX, Experian sent me dispute results those do not have any updates. I still have two XXXX credit cards. And one of them has pass payment due date. 

XX/XX/XXXX, I re-contact XXXX  credit card depart. XXXX confirmed that I have only one XXXX  credit card that does not have negative issues - late payments ...
Product: Credit reporting or other personal consumer reports

i have asked this back year to have my addresses removed from my credit report as they are no longer an address that the U.S. Mail can send anything to me.
Product: Bank account or service

Well on XX/XX/2016 I did a mobile deposit using the app that Bank of America offers. Usually after i do the mobile deposit I properly dispose that check. Well for whatever reason I did n't do it at that time. Check was left on my wallet for 2-3 weeks unnoticed. On XX/XX/2016 a delinquent person stole my wallet. Use my credit cards and deposit the same check into his bank account is XXXX. Well, this person forfeit part of the signature by adding XXXX to it ( which I never use ). Since the check had been clear from my bank weeks before, Bank of America debit my account for the amount that was on the check without checking or consulting if this was a legal transaction or not. I started this process on XXXX when I received the letter on the mail. I been calling the fraud department from both banks and all they are doing is blaming each other. I consulted my company payroll bank and because they did n't suffer any loss they ca n't do the affidavit of loss and Bank of America does n't want to do it for me either. I work hard for that money, it was my mortgage payment. I need someone to help me. Please.
Product: Credit reporting or other personal consumer reports

[ Subject : Complaint Regarding Debt Collection Practices by Midland Credit Management and XXXX XXXX XXXX  Dear Sir/Madam , I am writing to file a formal complaint against Midland Credit Management ( MCM ) and XXXX XXXX XXXX for their alleged violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. Their actions appear to be unlawful and harmful to consumers like myself. 

Specifically, the following issues have occurred : XXXX. **Failure to Provide a Full and Complete Debt Validation** : I have repeatedly requested validation of the alleged debt ( Account Number : XXXX ) that Midland Credit Management claims I owe. Despite these requests, I have never received a complete breakdown of the alleged debt, including all details such as the principal balance, interest, fees, and other charges. This information is required by the FDCPA ( 15 U.S.C. 1692g ), and failing to provide it is a direct violation of the law. 

XXXX. **Misleading Ownership of the Debt** : Based on correspondence from XXXX XXXX XXXX  XXXX XXXX understand that they no longer own the alleged debt. If Midland Credit Management is now the debt owner, they are obligated to provide me with proof of ownership, a breakdown of the debt, and evidence of a legally binding contract obligating me to pay the amount they claim. Despite my requests, no such documentation has been provided. Instead, I am left in a state of confusion regarding who truly owns the debt and who has the authority to collect it. 

3. **Illegal Reporting to Credit Bureaus** : Given the lack of validation and proper documentation, Midland Credit Management must cease reporting this alleged debt to all credit bureaus immediately. Continuing to report unverified and undocumented debts is misleading and damages my credit unlawfully.

4. **Unfair and Deceptive Practices** : Midland Credit Managements neglect in providing validation, along with the conflicting information Ive received , appears to be a deliberate attempt to mislead and frustrate me. Under the FDCPA, such actions are prohibited ( 15 U.S.C. 1692e and 1692f ). 

As a consumer, I have the right to : - Receive a full and complete validation of any alleged debt within 30 days of request. 
- Be provided clear and accurate information about the ownership and breakdown of the alleged debt. 
- Be free from deceptive, unfair, or unconscionable practices by debt collectors. 

I respectfully request that the Federal Trade Commission and CFPB investigate this matter and hold Midland Credit Management ( who was recently fined by the cfpb for these same violations ) accountable for their actions. These practices undermine consumer protections, harm my financial well-being, and violate federal law. 

If additional information is required to support this complaint, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the investigation. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for this loan and was approved for XXXX and only was given XXXX and was told on XX/XX/2022 I could pull from the XXXX that was left they lied to me and other customers and I want out of this loan and they need to be closed down why will I be paying fir some money that I cant touch this is really ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, DEPTEDXXXX  acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX  acct # XXXX has violated my rights.
Product: Student loan

On XX/XX/XXXX, I reached out to Great Lakes to request a refund of a payment in the amount of {$16000.00} which had been remitted XX/XX/XXXX. The representative advised that there was a backlog due to the XXXX loan forgiveness announcement and that it would take 30-45 days to process. On XX/XX/XXXX ( 44 days later ) after not seeing any activity on my Great Lakes account nor a deposit to my bank account, I called to follow up. The representative said that she could see where I called in, yet there was no refund request on my account. She promptly submitted another refund request but was unable to provide any receipt or confirmation. She then advised that the new timeline to process was 60-75 days. This is causing an unacceptable burden that has financial implications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax that I am a victim of identity theft numerous times, there are accounts on my report that are not mine and are showing on my report in error. I XXXX XXXX am not a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered! I have been sending letters to the Credit Bureaus requesting t=for them to remove the disputed fraudulent accounts and erroneous information completey from my Credit Report and yet they have failed to do so! I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the FCRA section 605b. This Federal law has been clearly violated by the Credit Bureaus by continued reportingof the disputed items without providing me copies of documentation bearing my signature to supoport both the Credit Bureaus and the Creditors ' claims that the items belong under my name. I am submitting this complaint to remind the Credit Bureuas of theit duty to comply with the FCRA section 605b and remove the following accounts and information completely from my Credit Report ; 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 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 or other personal consumer reports

I was in the hospital at the time of this {$44.00} dollar issue arouse. I had no access to my account I remained in the hospital for XXXX weeks. Once I was home, I was able to get my account back to positive status I was never late with a payment before or after this hospital stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : $ XXXX
Product: Debt collection

Last year Account Services started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With XXXX and XXXX I have n't been able, as they stated that ACcount Services needs to be the XXXX requesting such deletion ( which they said they would, and apparently, they did NOT! ). I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are fraudulent items on my credit report that need to be deleted. I did not make these changes. These fraudulent items need to be deleted off my credit report. This is hindering me from advancing in life.
Product: Debt collection

I have documentation from XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX that states XXXX XXXX XXXX XXXX XXXX XXXX sending me a refund in the amount of {$180.00} and since this time, they have sent me to 3 different collection agencies and this reporting is impacting my credit negatively. I do not owe XXXX XXXX XXXX any money and I have been told this numerous times. I don't know what else to do to get them to stop harassing me for {$50.00}, but to report to you. This is currently with a collection agency called Franklin Collection and was reported to my report on XXXX as delinquent.
Product: Credit reporting or other personal consumer reports

Foremost, XXXX  XXXX is in violation of 20 U.S. Code 1232 G. It is illegal to report any transactional history including balances, negative remarks and late payments. I am requesting a date of paid as agreed. Furthermore, it my understanding this indebtedness is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, this charged off account should be paid in full and closed from all credit reporting agencies under 15 U.S. Code 1681. Also, interest made from Treasury coupons should be credited to the account. Please consider this, your opportunity, in good faith, to correct. Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX  XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXX, etc. As previously stated, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99. Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, indefinitely, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.