23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX  XXXX. Please delete these accounts ASAP.
Product: Credit card or prepaid card

On XX/XX/XXXX, when monthly payment is due, I made a payment of {$2700.00} to one of my XXXX  XXXX cards. The payment was made on XXXX XXXX  EST presumably after their " cut off '' time of XXXX XXXX  EST that I was not aware of. The payment was scheduled to be posted on XX/XX/XXXX because of it. The bank would have posted the payment on XX/XX/XXXX anyway even if the payment was made before XXXX XXXX  EST because it was a US holiday " XXXX XXXX XXXX ''. I called customer service that same night on a recorded line and the lady said she would waive the late fee. Upon checking today, the late fee of {$40.00} was never waived. So I called again tonight and spoke with two senior account managers to let them know this is misleading and violating UDAAP regulation. They refused to escalate for a manual override to waive the late fee. I need the late fee to be waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I ask that the items be deleted to correct my credit report. 

The following personal information is incorrect : NAME : XXXX XXXX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that my application to refinance my car was only going to be sent to one company by XXXX and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called XXXX to check on my application because I had not been contacted. I was told by XXXX XXXX XXXX that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called XXXX on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notice from Sequium Asset Solutions , LLC of a debt owed to XXXX XXXX XXXX XXXX at least 2 years after leaving XXXX XXXX XXXX. Never received notice of any money owed to XXXX XXXX XXXX. Thought it was a scam until the collection showed up on credit report without sufficient information on Credit Report or from Debt Collection Agency to prove the debt as valid. Paid the agency to get the collection taken off my credit report since it negatively affected my score, but noticed from XXXX search that unknown XXXX XXXX XXXX XXXX changes have been found to be fraud. Please look into this matter and let me know if my identity has been compromised. I have been with XXXX and do not know what XXXX XXXX XXXX XXXX does. Either XXXX XXXX XXXX is incompetent in notifying previous customers of a past due amount, or someone has stolen my identity and has used this XXXX XXXX XXXX XXXX ( whatever it is ) with my SSN to get some charges for who knows what on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Last Four SSNXXXX Account Number : XXXX Date Opened : XX/XX/XXXX My rights as a consumer has been violated by Experian. 15 USC 1681a ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have sent multiple letters to Experian regarding this account on my credit report. Instead of addressing my concerns specifically, they send me an automated response saying the information being disputed is accurate. I do not care whether the information is accurate or not. I do not want my private information on my consumer report. 15 USC 1681a ( 2 ) ( a ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Account XXXX should be in my consumer report at all. I would like Experian to delete this from consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, Equifax, XXXX multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent transunion ask them to investigate theses inquires and it seems to me like they just give me the runaround.
Product: Credit card or prepaid card

I am having a problem resolving an overpayment to my Macy 's Credit card in the amount of {$240.00}. XX/XX/XXXX I paid my Macy 's Credit Card in full ( {$240.00} ). XX/XX/XXXX I mistakenly made a duplicate payment in the amount of {$240.00}. Since I made no purchases on my card the following month the balance on the XX/XX/XXXX statement showed a credit of {$240.00} ( the overpaid amount ). The XX/XX/XXXX Statement showed a zero balance with an indication that they had " Credit Balance Refund ''. I assumed they would send a check or other payment, but when it did not arrive I contacted them in XX/XX/XXXX. They indicted that they we opening an investigation and that I should wait 2 Billing cycles. When I did not receive payment or any correspondence from Macy 's Credit Card I again contacted them in XX/XX/XXXX. They indicated I should wait one billing cycle. When I did not again hear from them, I phoned them on XX/XX/XXXX. All previous contacts were through email or chat function from their website. The phone call lasted 28 min and 50 seconds with the service rep indicating a refund for {$240.00} would be direct deposited to my checking account. I did receive the {$240.00} into my checking account on XX/XX/XXXX, but also had a charge to my credit card for the same amount. When I again contacted Macy 's they told me to check with my bank. In essence the XX/XX/XXXX payment resulted in a net zero refund and I am still owed the {$240.00} which they supposedly sent in XXXX.
Product: Checking or savings account

My Citizens Bank checking account was compromised in XX/XX/XXXX when a check was stolen from the US mail and used to attempt to steal money from my account. When I saw the initial activity debit then the funds returned, I asked the bank about it and they told me what they thought happened. They were very nonchalant about it. Said it happens all the time. They advised me to change my account number. I had them change it the next day. Then the. nightmare began. They attached the new number to the old account so at first I wasnt clear on what was going on. I eventually was able to double check every bill I paid to make sure it was from the new number. Fast forward to XX/XX/XXXX, there are come companies that cant be bothered changing the the account number I provided them with, such as XXXX XXXX XXXX XXXX. They did it for one account but not the other. I took both accounts off line. Thats an inconvenience for me not them. My XXXX forgot to change the account number when doing my taxes. Neither of these were my fault. The bank refuses to close the account or separate it from my account because they say Im still using it. Today I see that a check I sent by mail to the CPA was taken from the wrong account. I know I didnt do it. I asked the bank last month how long its going to take for this account to be closed. They said as long as it takes. Whatever happened to closing an account and sending the check back!? These new so called regulations are another way the feds are letting the banks operate as loan sharks with exorbitant overdrafts fees. And the federal government couldnt care less. The disgusting irony of this is that when I opened my bank app today there was a banner declaring today is XXXX XXXX XXXX Day. Clearly the US government and all the big banks think that means XXXX AN ELDER TODAY. Tell me Im wrong by making them close this account number
Product: Credit reporting or other personal consumer reports

I have sent in disputes and experience sends me a response stating that I did not initiate the dispute therefore, they will not do any investigation and nothing needs to be done on my behalf when I am in fact, the one who has submitted the disputes
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been update as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX. Im a XXXX Citizen and Veteran Im receiving threnting phone calls from this company that I have never heard of and I dont owe anyone any money. I told them that they have the wrong number but too know avail they continue to call. Please help
Product: Credit reporting or other personal consumer reports

I had student loans serviced by Edfinancial. I paid these off in full on or about XX/XX/year>. I waited 5 months for my credit report to get updated to reflect that I paid these loans in full, but it never happened, so I contacted Edfinancial, and after they didn't respond I contacted XXXX in order to have my credit report updated to reflect that this debt had been paid in full. After I submitted my dispute to XXXX my credit report with them was updated. All of the accounts were marked as " Paid, Closed; was Paid as agreed ''. However, a mistake was made and one account also had the remark " SETTLED-LESS THAN FULL BLNC ; CLOSED '' added to it. This is incorrect, I paid this account in the full amount and did not settle it. I disputed this account twice, and called XXXX and nothing was done to fix this. My credit score dropped by close to XXXX points because of this inaccurate remark. All other credit agencies have this account marked as paid in full except XXXX, and the student loan servicer does not dispute that it was paid in full and was not settled. I need this remark removed from this account. I've never settled any account for less than the full amount I owed. 

I've submitted multiple disputes through XXXX, and via phone through EdFinancial, and this has not been resolved. THIS HAS BEEN A PROBLEM FOR MONTHS. I am very close to taking legal action against EdFinancial over this issue. This is my last attempt before proceeding with that legal action.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a 7-year-old charged-off Capital One credit card that continues to appear on my credit report. This account, with partial number XXXX, was opened on XX/XX/XXXX. Despite the Fair Credit Reporting Act 's ( FCRA ) seven-year limit for reporting negative information, this charged-off account remains on my credit report, causing significant harm to my credit score and overall financial opportunities. 

Legal Grounds for Complaint Fair Credit Reporting Act ( 15 USC 1681 ) The FCRA stipulates that negative information like charge-offs should be removed after seven years from the date of the original delinquency. Since this charge-off is over seven years old, it should no longer be reported.

Fair Credit Billing Act ( 15 USC 1666b ) The Fair Credit Billing Act requires creditors to promptly correct billing errors and discrepancies. The continued reporting of this charge-off could indicate improper handling of account information. 
Privacy Act of 1974 This act ensures consumer privacy and control over personal information. The continued presence of a charged-off account beyond its permissible reporting period raises privacy concerns.

Fair Debt Collection Practices Act ( 15 USC 1692 ) The FDCPA prohibits unfair or deceptive practices in debt collection. The ongoing report of a charged-off debt may suggest improper debt collection practices. 
IRS Regulations on Discharged Debt According to IRS rules, a discharged or forgiven debt should not be reported on a credit report. Additionally, the absence of a 1099-C form, which confirms a discharged debt for tax purposes, raises questions about the accuracy of this charge-off.

Requested Actions I request the following from the CFPB : Immediate Removal of the Charge-Off Given that the charge-off is over seven years old, it should be removed from my credit report. 
Investigation into Compliance with IRS Regulations Examine whether Capital One issued a 1099-C, as required by IRS regulations , for this charged-off debt.

Review of Account Handling Investigate whether Capital One violated any provisions of the Fair Credit Reporting Act, Fair Credit Billing Act, or Fair Debt Collection Practices Act. 
I request a prompt response and appropriate action to correct this situation. If further information or documentation is required, I am prepared to provide it upon request. Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I spoke with XXXX XXXX, formerly known as XXXX XXXX and their affiliates XX/XX/XXXX about a discharged debt from XX/XX/XXXX that was placed in collections. This debt was filed in Chapter XXXX Bankruptcy as of XX/XX/XXXX, and discharged XX/XX/XXXX. I spoke to them and was advised to speak to the collections agency, and attorney that it was placed with, after speaking to the collection agency, i was advised that the debt was reporting correctly as discharged. I called them back and was advised that the supervisor would be assisting me in taking care of this situation. I tried to call her after a missed call, and never received another call. I received my consumer report from Microbilt and never received a response in regard to why this showing on my credit as well as why it still showing as a debt with XXXX XXXX ( better known as XXXX XXXX ). I 've recently spoken to XXXX XXXX who stated that they were not aware of this account being in bankruptcy, which is incorrect information they were informed months ago, as well as by me last month, and then blamed my attorney stating that they were n't able to contact him regarding the debt. Everyone received a letter from the court advising them of the discharged debt. XXXX XXXX aka XXXX XXXX is no exception. The person i spoke with the manager ( XXXX ) who had a very distasteful attitude with me, because i was upset about her disregard for the fact that the company was very aware of the CHXXXX and been given time between my call early last month, as well as my dispute, still i have not received a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX reported an inaccurate balance of the amount of {$190.00} on XX/XX/year> to Transunion and XXXX XXXX to XXXX. The correct balance should be {$0.00} due to the statement balance having a credit of {$5.00}.
Product: Credit card

XXXX I received a no interest promotional offer in the mail regarding The Home Depot Card. The promotion varies with the amount charged. On purchases of {$290.00} to {$990.00} receives 12-months same-as-cash ( SAC ), 18-months SAC on purchases of {$990.00} to {$1900.00}, and 24-months SAC on purchases {$1900.00} and above. The promotional code is the same regardless of the offer. I believe this is part of the issue. 
On XX/XX/year>, I made sure I exceeded the {$990.00} minimum to receive the 18-month promotion. The order number is XXXX. My order was broken into five sub-orders. This appears to have been done based on where the shipment was coming from ( four different shipments ) plus one pickup order that consisted of three items. Breaking it down into sub-orders resulted in five orders ranging from {$11.00} up to {$460.00}. All five orders were given the standard, everyday promotion of 6-months SAC. I believe this is a systemic issue and many consumers are harmed by this practice. I happen to be an auditor and have the capability to track down the problem. I called to have this corrected. I was assured it would be. My latest bill shows they corrected the largest sub-order of {$460.00}. Even if all five are corrected, how many other consumers have been harmed? Do you think an employee did this or is this process automated. If it is an automated process, then there are countless consumers harmed. I am including my order along with the statement the sub-orders reconcile too. I will also include the subsequent statement because it shows the single promotional charge they corrected and the other four remain unchanged. It also shows that two items were eventually returned but they were part of the original order. By the way, it is difficult to follow their statements and online activity because they back out returns as if they never happened. In other words, it is not a static receipt.
Product: Debt collection

On XX/XX/2022, I receive a call ( XXXX, caller id ) from Sunrise Credit Services , Inc. stating that I owed XXXX {$110.00}, and they are now responsible for collecting the debt. I believe the number is a false caller ID. This is my first knowledge of the debt. On XX/XX/2022, I receive a call from the same caller ID, XXXX. An automated message describes the company name as Sunrise Credit Services , Inc. ; no address or phone number. A male voice identifies himself as XXXX XXXX, but refuses to provide me the company name, address, or phone number. XXXX XXXX claims that the call is being recorded. The caller then hangs up. 

I believe when I asked XXXX XXXX for his company name, address, and phone number, he had to provide that information to me, and not hang up.
Product: Debt collection

This company has repeatedly reported inaccurate and false information on my credit file, and each time its deleted and and then placed back on with a different amount. Im really not sure what kind of game this company is playing but Ive had it up to here. I DO NOT OWE XXXX  ANYTHING. I have informed YOU THIS NUMEROUS TIMES. Again, this is not my debt remove it immediately. Im keep being harassed by being called by several different numbers a day by this company
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I received a payday signature loan from XXXX XXXX. I became behind by a month and a half and they sent someone to my home in their personal car carrying documents containing my personal identifiable infirmation ( Ssn, birthdate, loan amount and etc ). The young lady that arrived at my house called her supervisor whom I spoke to over the cell phone. I expressed my disapproval of some traveling around with my personal identifiable information in their car and for them coming to my home. They could have mailed me delinquency notice the same way the mail me a notice of payment when I make them. The supervisor referered to the home visit as a courtesy visit. What is courtesy about it? It is a form of harassment and embarrassment. I do believe this is unethical and maybe even illigal. I could contacted the parent company which is Southern Management, but did not get a call back. I contacted the TX AG office and filed a complaint. I think this company need to be investigated because they should not have an office employee carrying around documents containing my personal information. It was late in the evening and I asked the employee if she would be returning back to the office with the documents and she said no, she would proceed to her residence after leaving my home. So that means she took my personal identifiab information that could be used for identify theft to her house.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # 1939 Account name : 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 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.