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

I ordered a XXXX  XXXX XXXX and accessories in XX/XX/2020 ( 1 1/2 years ago ) - with a 2 week promise to be shipped. I called back every week to get a status update and this was continuously on backorder. In XXXX, I cancelled this order AND the credit card. I agreed to still get the accessories ( a heart rate monitor ). I never received this {$65.00} heart rate monitor. I have filed several disputes with the company stating I did 2 things - 1 ) The credit card was closed with a {$0.00} balance. ( please ask them for the recording of that phone call as the person on the phone confirmed ). and 2 ) the accessories never showed up at my house - so why would I pay for something I never received.

I have a receipt for a heart rate monitor purchased from XXXX XXXX because this item was never received. ( Attached in this complaint below ). 

This company is now submitting late payment notices to credit agencies for credit card charges posting after closing the account with a {$0.00}. ( over a year later ) I have also mailed in an additional hard copy dispute form to XXXX XXXX ( TD XXXX XXXX ).
Product: Debt collection

After reviewing my credit report file with XXXX, I am disputing lines items reported by Midland Credit Management XXXX As part of debt validation pursuant to 15 U.S.C . 1692g, I am requesting the following to determine accuracy and completeness of the data furnished : 1. Full payment history details from the original creditor 2. Date of last payment 3. Date of delinquency 4. The original wet signature that I agreed to on the contract for this creditor 5. Has there been any insurance claim found on this debt? 
6. Provide the chain of assignment contract / chain of title In addition, I request an affidavit of truth under penalty of perjury for each reporting. 

Since Midland Credit Management XXXX can not provide the chain of assignment contract, I respectfully request these items be deleted from my consumer file as it is a mis-representation of my financial obligations and violates consumer rights. Furthermore, self-initiated research revealed Midland Credit Management XXXX is not authorized to collect for my state ( XXXX XXXX XXXX ). Midland Credit Management XXXX does not have authority to collect nor ownership of the alleged debt ( s ). 

Also, I have not provided Midland Credit Management XXXX my written consent to furnish data 15 U.S.C. 1681b - this is identity theft which has been reported. I urge the CFPB to uphold my consumer rights and instruct Midland Credit Management XXXX to delete the item within 5 business days. Should Midland Credit Management XXXX fail to comply in a timely manner as stipulated, they should be subject to fines & penalties by the CFPB for willful non-compliance with the FCRA and undermining the U.S. banking system 15 U.S.C. 1681 ( a ) ( 1 ). 

Case law - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; Debt collectors do not own debts and can not put it on your consumer file.
Product: Debt collection

I have contacted PROCOLLECT several occasions and they have stated that they report to the credit bureau, every beginning of the month. My debt has been paid since XX/XX/2018. I have a letter stating balance is paid in full. But still every time I dispute, when report is done ; company verify debt is correct. But I've paid the XXXX balance that's shown.
Product: Prepaid card

I opened a kikoff credit account and had my student loan disbursement direct deposited to the account. I never received a physical card in the mail. On XX/XX/XXXX i believe, after a declined sale at XXXX 's, i called customer service to find out what was going on. I was informed in that phone call that on the XXXX of XXXX {$5200.00} of my money had been transferred too a prepaid card in my name. I was completely shocked by this information and after explaining I had not authorized any such transfer asked the rep too dispute all of the charges made up to that day, as i never had received a card. I also asked too what entity the other prepaid card belonged too so I could attempt too track down my money. I was on the phone for a good 50 minutes at this point, and suddenly after asking, the line disconnected. Rather frustrated I waited a few days too see what if anything happened. Nothing. I did receive finally a physical card in the mail, and still was not getting any notices or updates. I then reached out too XXXX XXXX XXXX. And gave them all the information I had managed too gather and explained that there was something of a language barrier and hoped that maybe they could get the process moving. It is now, Mid XXXX and the only answer I have gotten is that my disputes since there were so many. We're filed in batches and I would be seeing the funds returning at all different times. That is not the case at all.
Product: Student loan

I was told I could not consolidate my loans or continue with an income sensitive repayment plan.
Product: Debt collection

On XX/XX/2022 XXXX XXXX from XXXX XXXX address XXXX XXXX XXXX XXXX XXXX PA XXXX has opened homeowners policy to my name that I have never agreed to. I have never singed any insurance documents authorizing her open this policy with the XXXX. 

Since then I have had multiple phone conversations with different XXXX agents from XXXX XXXX where I have clearly requested to CANCEL the policy that I did not want to open to begin with. To my knowledge, they have canceled the policy at some point. 

I was very surprised when I received a Credit Collection letter in the mail just now, requesting me to pay {$120.00} for the policy that I did not want and under impression got canceled back in XX/XX/2022 per my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent to Equifax a dispute outlining an inaccuracy reporting on my credit report. The account reporting is a 60 day late payment. I have brought this account and the error being housed to Equifax attention on several different occasions ( see attachments ). The response for each letter send has been untimely violating my rights and sometimes my letters were not addressed at all. The most recent response I received from the agency stated that the incorrect information on my credit report had been verified as correct. I immediately on XX/XX/2022 sent a letter to the company aforementioned asking them to inform me on what method did they use to verify the information as the FCRA Sec 611 ( a ) ( 5 ) ( A ) and FCRA Sec 611 ( a ) ( 6 ) ( B ) ( iii ) states in THE NOTICE OF RESULTS OF REINVESTIGATION section. I have not since received ANY response from Equifax telling me the method in which the investigation was handled in order to come up with the conclusion it has. I can now assume that no such investigation actually occurred violating FCRA and 15 U.S.C laws. I know that the information this company has provided is false and a error had occurred on the end of the company involved because all of my accounts are on autopay. I also contacted the creditor and they were not able to provide me with proof of this information either. I have worked hard to receive the credit rating I have and am very confused as to why this error has occurred. I would like the correct information reflected on my credit report as I rightfully deserve.
Product: Debt collection

I was contacted by LTD Financial, a debt collection agency on XX/XX/XXXX advising that they were attempting to collect a debt of over {$7000.00} on behalf of XXXX XXXX, used on a credit card issued in my name for a business I formerly owned. I informed them I had no knowledge of any such debt as I had never requested or received a credit card for this business. They indicated the card had been sent to an address that I have never lived at in a city I have never lived in. Furthermore, any accounts associated with the business were closed by me in XXXX, I requested validation of this date. On XX/XX/XXXX, I sent a certified letter again disavowing any knowledge of this debt and asking for verification, to date it has never been received or acknowledged. I contacted the originator of this debt in person at a branch in XXXX TX on XX/XX/XXXX, I spoke with XXXX XXXX who advised he would contact the fraud department and have documentation sent to my address, this never happened. I contacted XXXX XXXX by phone on XX/XX/XXXX and spoke with XXXX XXXX, the manager for the XXXX branch, who advised he had submitted the complaint to the fraud department and they would contact me within 3 business days, I have not heard from anyone. On the same date I spoke with a representative over the phone named XXXX, who advised she was unable to assist because the system would not allow her to do anything. I sent a certified letter to XXXX XXXX on XX/XX/XXXX, disavowing any knowledge of the debt and requesting validation, to date I have not received anything. I have notified all 3 credit bureaus of this theft identity, and made completed a identity theft report with the FTC. To date there has been nothing reported on my credit, however, on XX/XX/XXXX I was contacted by a second collection agency.
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Regarding Withheld Credit Balance of {$180.00} Dear CFPB Representative, I am writing to file a formal complaint against Elan Financial Services regarding their failure to refund a credit balance of {$180.00} on my closed account, ending in XXXX My account was closed as I was paying bills for fertility treatments that the company apparently deemed as " high risk. '' While I disagree with the classification, I have decided to take my business elsewhere. However, the issue at hand is that they are withholding the credit balance on my account despite my repeated efforts to resolve this matter. 

In XXXX, 2024, I contacted their customer service at XXXX. After waiting nearly an hour, I was told to call another number, XXXX, which operates from XXXX XXXX XXXX XXXX XXXX Central Time. When I called the second number, I was told they could not assist me and advised me to call the first number again. This circular and unhelpful process has left me frustrated and without a resolution. 

I believe the company is acting negligently at best, and possibly intentionally withholding my funds. I demand that they immediately refund the credit balance of {$180.00}. If they fail to do so, I intend to file a small claims case in XXXX XXXX and will seek reimbursement for all associated court costs, filing fees, and service fees. 

I ask for your assistance in addressing this matter to ensure the company complies with their legal and ethical obligations. Please let me know if any additional documentation or information is needed to process this complaint. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is twofold. The first complaint is against XXXX XXXXXXXX. They allowed in account to be opened in my name from someone in XXXX when I live in Connecticut. I have since complained about the address on my credit report and they have fix that. However, they still have not fixed the account that they claim I opened. 
The next complaint is against Experian. They fixed my address however denied my dispute with XXXX XXXXXXXX saying that the information from that company was correct. How can you correct the address and agree that I never live there but not correct the account?
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have shown up on my credit report this morning, and I can not understand why. Ive checked my credit report as usual, but today, there are errors I didnt expect. I even refreshed my browser thinking it might be a mistake, but the unauthorized inquiries are still present. I am requesting an immediate and thorough review of the documents Ive provided so that this issue can be fixed for good.
Product: Mortgage

I called Cornerstone Mortgage in XXXX to get started on a modification after being on a covid forbearance. I was sent a modification packet which I filled out and then sent back in. I then called to confirm that they had received ALL of it which they said they had and to wait 30-40 days. Now about a month has passed and I have just received a letter stating I am signed up for a deferral program with my first payment date being on XX/XX/XXXX. I didn't ask for a deferral, I requested a modification. This is a simple Flex Modification for a conventional mortgage that was in forbearance due to a loss of income from COVID. This servicer is awful. I have called four times today and been hung up on twice. Most of the contacts don't know what I am referring to. No one knows what is going on. I have wasted a month trying to get a Flex Modification and gotten no where. I am desperate for someone who has an idea of what is going on with the Cares Act and the standard process of getting off of forbearance. They are now stating that I don't qualify for a modification and are forcing me into a deferral. This servicer doesn't understand what is happening and I believe they are putting everyone on deferment even after the customer has requested modification. Please help! They are forcing me into a deferral.
Product: Debt collection

This letter is in response to you concerning the collection of the above referenced accounts. I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with myState Attorney General and that the Statute of Limitations for enforcing this type of debt through the courts in Virginia has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired.This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me by mail, phone on any number, regarding this or any other matter. You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws, Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I reserve the right to record all phone calls and violations of the FDCPA can result in you or your company being fined up to {$1000.00} or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XXXX I checked my credit and seen some thing on there I did do. 

Account Name : XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : FED LOAN SERVICING Date Open : XXXX Account Name : FED LOAN SERVICING Date Open : XXXX Account Name : XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX- # Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX, 1 Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I live I California and I was called at XXXX 5x back to back as well he threaten to sue me and kept harassing me
Product: Credit reporting or other personal consumer reports

I applied for a home equity loan with XXXX XXXX XXXX. I was told I was denied due to a foreclosure within the last 7 years. The adverse action letter I received said the decision was based on information found on the three major credit bureaus. I checked all three bureaus and confirmed there is no foreclosure listed. I called XXXX and was advised that they actually used Lexis/Nexis, but they couldn't provide me any information on how to contact that company. I tried calling Lexis/Nexis, but could not get an actual person to speak with me. I requested a Consumer Disclosure report but it will take 2 weeks to receive, and was not provided with a way to dispute the inaccurate information. I filed XXXX XXXX bankruptcy on XX/XX/XXXX, at which time I surrendered by property, essentially foreclosing on it. Since it has been over 7 years the trade itself no longer shows on my credit bureaus. However, Lexis/Nexis is using a sold date ( I found by looking up the house on XXXX ) of XX/XX/XXXX, which is less than 7 years, and not the date I foreclosed. I need to have this information updated as I am being harmed by their false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken with Fair Collections and Out numerous times and provide proof that I don't own this amount that is being displayed on my XXXX Credit Report, this is unacceptable and unprofessional to be able to report incorrect information on an individual credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have filed and Identity Theft Report and the report number is XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Mortgage

I submitted my loan application to Wells Fargo back in XXXX or XXXX. I was told to sell my existing primary residential home in order to qualify for mortgage from wells Fargo. I listed my house for sale trusting what I was told and sold it on XX/XX/XXXX. Finally I found a house in late XXXX and went in to contract with seller on XX/XX/XXXX. I submitted my loan application the following day and provided all requested documents and signed disclosures. Inspection and appraisal were done and waiting for a loan approval. I was notified by the loan XXXX that Wells Fargo is declining my application. Wells Fargo had my files for over 6 months and told me to sell my house and later declined my loan application. Luckily I had a very resourceful realtor who took me to a private mortgage company and got a loan and closed. The issue here is Wells Fargo made me sell my house in order to get a loan from them that did was denied later. I have a wife and XXXX kids. Wells Fargo almost made my family a XXXX. This is unacceptable and should nt happen to any borrower out there.
Product: Debt collection

the company named, Oliver adjustment company is claiming i owe them {$520.00}, FOR A MEDICAL BILL, i have never did business with this company or owe them anything, i sent them letters on XXXX XXXX, and also on XXXX, i demanded that the validation i request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, i am requesting competent evidence that i had some contractual obligation in relation to this bill.i sent them letters by certified mail on both days and so far received no response, this debt shows on my XXXX credit report as a collection, im requesting this be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB- Auto Finance XXXX XXXX - IS reporting a late payment XX/XX/20 which is invalid. I was not late. I had called in to set up a deferment, due to COVID, and I did it in XXXX with their representative who told me it was set up for 90 days. 
Then the next month I was advised I was late and that the previous rep didn't set up my deferment correctly. They advised me they would fix this because it was not my error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) 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: Debt collection

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

15 U.S.C 1681 section 602 A. States/ 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 or other personal consumer reports

I have made numerous requests with the reporting agencies to investigate and correct inaccuracies within my credit report and the agencies have failed to conduct a complete investigation. I have sent letters directly to the creditors ( see attached ) requesting information ( I am not disputing at this time with the creditors ) I am seeking information
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name, address, date of birth, and Social Security Number ( SSN ). These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Checking or savings account

Someone reached out to my HR deposit posing as me requesting to change the direct deposit information for my paycheck. They filled out a XXXX XXXX authorization form and sent in a Moneylion voided check showing my name but not the correct address at the top left. I called Moneylion to report the account opened in my name and they advised it was not in my name and they could not tell me who it was trying to impersonate me to my company. I do not know how this person was able to track me to my employer or my HR director, but they almost took my entire paycheck. Thankfully ADP alerted me that my direct deposit information had been updated or I wouldn't have known and the check would have been put into this account. The information of the account is as follows. Moneylion advised they deactivated the account, but I just want to be certain so they cant use it to scam someone else. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe I am the victim of Identity theft pursuant to section 605B please remove these fraudulent inquiries from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CALLED THE CREDIT REPORTING AGENCY SEVERAL TIMES IN ONE DAY TO FILE A DISPUTE ON SEVERAL ITEMS AND THEY ARE GIVING ME A HARD TIME FILING A DISPUTE PUTTING ME ON HOLD STATING THEY CAN HANDLE MY FILE ITS CRAZY AND THIS NEEDS TO STOP