23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to dispute a billing error in the amount of {$0.00} dollars on my account. The amount is inaccurate because, I returned a dress and Macys did n't credit my account. I was charged late fees because according to them I had a balance. When I called them they did n't help me. I was unemployed at the time due to the fact that I was fired during my maternity leave. Due to my post partum situation my doctor said not to deal with that because it was too much stress. Macys violated my rights by ignoring my request to correct the accounting error, and refunding the item on my Macys Credit Card. This would have made my account at a XXXX Balance and not resulting in any payment due. Now Macy 's continue to report negative errors to the Credit Bureau 's. I have tried to call them meny times they have poor customer service. If they would the actually time and look at their bill statement they would see the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. Experian, XXXX and XXXX has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX party credit monitoring service notified me of an issue with my credit report from Equifax. I tried to start the dispute, but when I tried to create an account with myEquifax, it said I already have an account. When I tried to reset password, it says I don't have an account. Customer service couldn't correct the issue and issued an IT support request. I received no response from IT. In my second call to them, I asked again about not being able to log in and was told that was common and I should get their paid service as a fix.
Product: Credit reporting or other personal consumer reports

To whom it may concern, 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 Account # XXXX Date opened XX/XX/XXXX Account name : XXXX  XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX  XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) .According to 15 USC 1681 ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.According to 15 USC 1681s-2 " Responsibilities of furnishers of information to consumer reporting agencies. '' 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.

According to 15 USC 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.

According to 15 U.S.C. 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain adverse information in consumer reports that is older than XXXXeven years. This includes things like civil judgments, tax liens, accounts placed for collection, and other adverse items.

According to 15 USC 1681 section 604 a section 2 In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

Tried fix I sent a letter.get, I called this told dr office, this bill not mine was granddaughter, I took her to dr they put her stuff with my name .I sign her in! It was billed wrong to my son insurance! I called dr office they put down on paper wrong information, they never fixed it so insurance wont pay it!! Dr office keep billing me!! It not my bill,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

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

Hello, Firstly thank you for your assistance and justice for the public when we get bullied and taken advantage and most have no way of even knowing this governing body exists. I do publicize after receiving your assistance on the last matter. 

RE : TRANSUNION XXXX Many mistakes as simple as name as XXXX addresses phone # XXXX failing to update after advising by XXXX on XXXX as paid in XXXXXXXX XXXX fully and owned and showing open. Never been late except 5 times In 6 years and all due to being laid off. My last Co.s name was spelt XXXX for XXXX. Apparently the Employer only works with TU and makes me believe whoever coordinating with TU has done deliberately. 

I worked with the XXXX XXXX XXXX of TU agents long hours one day in XX/XX/XXXX after seeing report then with unrealistic mistakes. Ever since I have had difficulty to get an amended report! I have requested so many times. They corrected the name and only sent one page. 

I went into health licensing in XX/XX/XXXX and believe they didnt want to correct as I felt being blocked and also felt my profile had been compromised with slight name changes addresses employment history did not show as XXXX and there was an account unfamiliar put on with a funny name starting with Ab ( cant recall exactly now ) which was corrected but not seen the report after correction. All this affected financially and employment. Up to date I may have called after last XXXX more than 20 + times. This is where I had advised you in my previous complaint of XXXX XXXX, car dealers and Trans Union operate as a mob. ( as the car dealer said only work with TU Together perhaps with some one in my last employment )! The Finance guy at the car dealer never showed the rate until after signed 1/2 way! We felt someone elses car was paid. This will be another complaint for later. Also it was such an oversight and a mistake with not going with XXXX XXXX which had given an excellent rate due to my partners urgency impatience lack of experience and knowledge. We were taken advantage! 

I had been calling and finally wrote to TU 2 days ago thinking finally would respond after trying to contact on their open web request asking for XXXX which is not safe! The calls are never answered get hung up or auto message stating IT issue or will call back. I had worked with agents who empathized and did their best to fix. I also felt uncomfortable working with offshores with our personal info as they may mot know the seriousness of personal data breaches. 

I must say compared to all 3 XXXX is the most descent and honest. They were fast to respond and rectify to show accuracy. ( last checked XXXX XXXX plays ball to gain financial benefits. At least responsive or could access the reports. With Transunion I was able to access the web once in XXXX and afterwards mot able perhaps a security measure as well as my phone may be hacked. ( though XXXX denies ) I feel TU is profiling mine for someone else. 

Please help to get a full report sent to check and tell them we should be able to speak with an agent if needed assistance.
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for basement fire proof work for my building located in XXXX XXXX. The transaction has been made on XX/XX/year>, and I have disputed it with US bank in the amount of {$3500.00}. The bank never investigate my dispute and rejected it after a few days. 

That transaction was canceled by me, however, US bank transferred the funds without my permission. XXXX on my bank account does not show the charge, but it was charged without my authorization. the receiver was XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My name is XXXX XXXX. I am a student loan borrower. I was still making student loan payments during the XXXX student loan payment pauses from XX/XX/XXXX to XX/XX/XXXX as my employer was not qualified for the Public Loan Forgiveness . 
However, because of the recent waiver change and the new law in California ( U.S. Department of Educations updated Public Service Loan Forgiveness ( PSLF ) program launched on XX/XX/XXXX, and will now allow eligible California physicians to participate in the program, despite our state prohibitions on physician employment by private non-profit hospitals, clinics, foundations and other health care entities ), my employer for the past 2 years is now qualified for PSLFs. 
I have contacted Mohela, my loan servicer, to request refund for the payment made during this time as I was not required to make payment during this COVID-19 pause. I was informed by Mohela that the deadline has passed to ask for refund. 
I have never received any contact or update from Mohela regarding this. 
Therefore, I requests to have these payment to be refunded to me.
Product: Credit reporting or other personal consumer reports

In XXXX, I filed a CFPB Case : XXXX against Capital One in reference to an unauthorized inquiry. Capital responded in a letter that the hard inquiry will be removed. The inquiry has yet to be removed. I've contacted Capital One over the phone and didn't get resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,    2017 fax ed letter to  XXXX  requesting removal of bankruptcy and tax lien on credit file as I was not aware of the source of their information on the bankruptcy and judgement. I received a response dated  XXXX   XXXX   XXXX  ,2017 that  XXXX   XXXX  reported the information a s discharged and that Case num ber  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   is currently not reporting on the  XXXX  credit file in which I do not have knowledge of what that case is.   On  XXXX   XXXX ,    2017 I  sent a reinvestigation request with a letter from Michigan  Federal Court stating they do not supply information or validate info rmation with the credit bureau 's.   XXXX   replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was abruptly logged out of my Coinbase account that held XXXX XXXX coins. My password would no longer function, and I was unable to reset it due to access issues with the associated email account. I contacted Coinbase on XX/XX/XXXX as I suspected fraud. Coinbase asked I create a new account and complete ID verification which I completed as well on the XXXX. I was instructed Coinbase would review the ID verified on my previous account with email address XXXX and transfer the funds to XXXX. My Case # is XXXX. Since then I have heard no update from Coinbase and the provided support contact number does not connect to a live rep. I can no longer access my funds due to a simple account issue. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the Fair Credit Reporting Act : These following accounts are violating my consumer rights by reporting wrong information, putting deleted accounts that were removed recently without notifying in 5 buissness days in the past. Lastly my rights to privacy are violated. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) ON XXXX, EXPERIAN, XXXX. WHICH PROVES MY STATEMENT TO BE TRUE. IF ACCURATE THEY SHOULD ALL REFLECT WHICH THEY DONT. 

PLEASE DELETE LISTED ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX ALL OF THESE ACCOUNTS ARE REPORTING DIFFRENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) PLEASE REMOVE 15 USC 1681b Consumer agencies are not allowed to report without my written instruction on my consumer report ) 15 USC 1681 section 602 A. States I the consumer have a right to privacy 15 U.S. Code 1681 ( a ) - Congressional findings and statement of purpose- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 6821 Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. 

15 U.S. Code 1681I-Certification of accuracy of information- States that once deleted from my consumer file it has to be reinserted unless i am informed no later than 5 business days. I HAVE NOT RECIEVED THAT FROM IT BEING REMOVED TWICE OVER THE YEARS. 


I DO NOT WANT A DISPUTE I WANT REMOVAL IMMEDIATELY BECAUSE MY RIGHTS ARE BEING PUSHED TO THE SIDE
Product: Credit reporting or other personal consumer reports

I have not been informed that this is the case I am going to end up with with my attempts to dispute these accounts that are affecting me financially, mentally and emotionally - so here I am writing once again, asking if you could just look through my case and investigate the accounts that I am asking for you to verify the accuracy and remove once done. It has come to my attention that I am not getting a response from your company and it frustrated me especially as someone who is thriving hard to get through a day.
Product: Money transfer, virtual currency, or money service

I was scammed by Fraudulent companies : XXXX and XXXX. 
They assured me that i would make a profit if I made investments through BINANCE. 
I sent them around XXXX XXXX and never made a single XXXX. I would like to point out that Binance failed me and failed to determine and realize that these transactions were made under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

XXXX was sent to XXXX  with no response more than XXXX  days ago. please see attached copy
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against these agencies a late payment on my credit card account. THe following accounts is listed below 1. XXXX Bank Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX. Capital XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Of XXXX Account number : XXXX Date opened : XX/XX/XXXX According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe.

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the date XXXX 2020 this on my credit I want this off
Product: Mortgage

My family and I have been affected by Covid-19, I'm also 100 % XXXX with a XXXX XXXX. I have provided Ocwen Mortgage, XXXX XXXX, PHH Mortgage my financials requested a forbearance and mortgage assistance. I was told by my mortgage company I don't have enough income, I told PHH I'm married my wife works. I provided her information to my mortgage company. They are difficult to work with and unwilling to assist me with keeping my home. I was told by customer service that I could not get a forbearance for my mortgage even though there is a foreclosure moratorium from our President. PHH refuses to work with me also I have spoken with several customer service each one of them have given me different information to me they are trying to make me lose my home to foreclosure. My home is set for foreclosure sale but I have not received a foreclosure letter from the foreclosure attorney. 
Please Help
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Capital One Auto Finance, in conjunction with XXXX XXXX XXXX XXXX XXXX and XXXX have attempted to extort my family name and family business ever since I went in seeking an auto loan following the illegal activities of XXXX XXXX and their agents at XXXX XXXX XXXX and XXXX. 

I was unable to secure a loan for a new vehicle, I was forced and almost coerced by " XXXX '' " XXXX '', IDK his real name, to sign for a XXXX XXXX at a rate that was the exact same as the rate for the 2018 XXXX XXXX. Once I refused and pressed harder, he literally begged me to get in a new XXXX. 

When I refused that, he then proceeded to act aggressively and in a XXXX manner that made me and the employees at the nearby XXXX XXXX XXXX uncomfortable. 

I do not trust him, I do not trust Capital One on XXXX XXXX and I will never return to ask them for any credit in my name or my business tax ID ever again.