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

Items ordered at XXXX 's online on XX/XX/19 totaling {$710.00} were returned to XXXX XXXX XXXX XXXX, FL store on XX/XX/19, 2 weeks before my payment due date of XX/XX/19, resulting in a credit balance as of XX/XX/19. Despite the fact that a credit balance existed on the payment due date of XX/XX/19, Macy 's began harassing me by calling and leaving messages for me on a daily basis. When I spoke with 2 Macy 's representatives on XX/XX/XXXX, I was told that I would incur a late fee because I had not paid my minimum payment of {$27.00} on the payment due date of XX/XX/19. I advised the representative that on XX/XX/19, based on my merchandise return, I had a credit balance and no payment was due XXXX   's. XXXX seems to believe that they can require credit card customers to make a minimum payment even when the customer has a credit balance. In fact, the first representative insisted that my return, although it was made 2 weeks in advance of the payment due date, would not actually be credited until my next month 's statement! Apparently, XXXX  's has found a way to require customers to make so called minimum payments for merchandise that the merchant has already received back in its stock!!! This smells like fraud to me! After having my attorney speak with the 2nd representative, supposedly no late fee will be assessed. I have no idea whether or not XXXX 's will continue to harass me or whether they will waive their late fee! CFPB needs to investigate this practice!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accourdance with the Fair Credit Reporting Act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

The Addresses Do Not belong on my Credit Report. 

XXXX  XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX Nc XXXX These Telephone Numbers Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX This employment Data does not belong on my credit report XXXX XXXX XXXX These Names Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have ask the credit reporting agencies for validation and verification of their reportings and they have failed to do so. Its been over 45 days and at this point I must demand for those attached accounts to be removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Who

m It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I   am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a credit limit of {$600.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Product: Debt collection

I continue to receive calls about a loan that I do not owe. I was told that the Loan was taken out in Indiana and that they have a picture of me going into the store. I have contacted the company and confirmed that this is not mine and they have not initiated any action against me. I was contact by Oxford Law and a XXXX XXXX was the last to call. The number the called from is ( XXXX ) XXXX. I have given them my attorney 's number several times and they just hang up on me.
Product: Credit card or prepaid card

On XX/XX/2022 I was the applicant ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. ) ) 12 CFR 1002.2 ( z ) Prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the fact that all or part of the applicant 's income derives from any public assistance program ; or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Bureau. And applied for a DISCOVER credit card via an application where i the consumer am the applicant, was denied of my good faith in extension of my credit. An inquiry was reported without my consent and my social security was used without authorization and there is no open account with discover whatsoever. There reasoning was " THE NUMBER OF RECENT INQUIRIES ''. Completely against the law to deny a consumer wanting to extend there on credit. According to the Equal Credit Opportunity Act 12 CFR 1002 an is discrimination against a creditworthy consumer, 12 CFR 1002.2 ( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants.
Product: Credit reporting or other personal consumer reports

I had open accounts that aren't mines and incorrect address and old accounts that they refused to remove.
Product: Debt collection

Repeated phone calls during work hours, on weekends and in the evenings, even after requesting they cease. 

Requested written documentation that had my signature showing I owed them money. This was never received.
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX and XXXX. XXXX stated that they would allow me to defer payments due to the nationwide crisis during that time ( COVID 19 ), and promised to continue reporting my account as current to the consumer reporting agencies ( CRAs ), however, XXXX reported my account as delinquent during the deferral period which is in violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of XXXX ( CFPA ). These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS WAS OPEN WITHOUT ME EVER KNOWING OF THEM I AM WORKING WITH THE LOCAL POLICE TO FIND OUT WHAT HAS HAPPEN
Product: Credit reporting, credit repair services, or other personal consumer reports

The U.S Department of Education is posting 5 charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report.

U.S. Department of Education - Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX
Product: Mortgage

I refinanced the Mortgage that I had with PHH Mortgage back on XX/XX/2015 almost 3 years ago. They never provided me with a lien release & stated that they mailed it to the county along with a check for the county to record the reconveyance. I simply asked for a copy of the recon and they said they lost it when they shut down the office that was preparing the documents 3 years ago. They said it can take up to 30 days to produce a duplicate. They want me to make my payments on time but yet I have to wait 30 days for a document that should have been sent 3 years ago. I find this totally unacceptable. I also asked for proof that the county cashed the payment. XXXX said she can not get me that information. I feel that they are purposefully not being honest with me. I started this process 4 business days ago & nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer of the United States, I sent Experian a formal complaint on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on several accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX : XXXX, XXXX XXXX:XXXX. They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. As mentioned above a copy of a billing statement is not physical verification. The two companies i just mentioned that pay for services have not furnished me any sort of documentation within the allotted time frame at all. Delete this negative information from my consumer report. STOP using stall tactics. You have my permission and have been had my permission to look into these accounts which is what I instructed you to do in my formal complaint. YOU KEEP CHOOSING TO BREAK THE LAW. Ive sent multiple letters regarding me and me only which is XXXX XXXX. Your time is up by law and you have to delete these fraudulent negative items from my report that you should of been deleted.
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. Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, date last reported is not accurate. This ground for removal they also violated my rights under 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 USC 1681 c ( a ) ( 5 ) Section States : no consumer reporting agecy may make any consumer report containing any of the following items information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX  XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX  XXXX XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report. I recently reviewed my credit file and noticed a civil liability for negligent non-compliance ( code 16810 ) from trans union and XXXX that I believe to be incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this item be investigated and removed unless it can be fully verified. Please provide documentation proving its accuracy. If no such evidence exists, I expect this entry to be deleted immediately. 

Please complete the investigation within the legally required XXXX timeframe and provide written confirmation of the resolution. If you need any additional information, feel free to contact me at the details above. 

Thank you for your prompt attention to this matter.
Product: Consumer Loan

Called into Hyundai Motor Finance on XXXX/XXXX/16 - to question why Hyundai Motor Finance has me XXXX days deliquient on my car payment. Stayed on hold for 15mins. Hung-up, and called back. Customer Serv Rep by the name of XXXX answered call. Explained to her that I am not 58 days past due according to my own records. She explained that I made partial payments for XXXX & XXXX. I explained to XXXX my records indicate me sending in more than my monthly payment each month. She explained that I have unpaid late fee 's and that the overage payments are not being applied to the late fee 's. She explained I need to call into Hyundai Motor Finance after each payment and advise them to apply my payments to late fee 's. I asked her to apply my payments to what I am billed. She said she can not reverse the payments and re-apply. I asked to speak with a manager in which she explained the Manager ( XXXX ) said she could not re-apply the late fee 's.
Product: Credit reporting or other personal consumer reports

I am submitting formally dispute the accuracy of certain collection accounts listed on my credit report. These accounts are either incorrect or do not belong to me. The disputed accounts are causing significant harm to my credit score and need to be investigated and corrected promptly. 
XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$840.00}
Product: Debt collection

Dear CFPB, I was subpoenaed to come to XXXX County XXXX XXXX Court to  work out a payment arrangement with XXXX XXXX XXXX XXXX XXXX from XXXX, FL whom were representing Midland Credit Management who was representing XXXX XX/XX/16 I made my 1st pmt theday of the court date but XXXX XXXX XXXX XXXX XXXX filed a judgement against me on XXXX/XXXX2016. I did n't understand why they did this when I worked out a payment arrangement with the mediator and their  law firm. I paid the debt in full. Well, I am trying to close on a Home Equity Line of credit and I was informed by the title company that I have a judgement on my credit report even though I completely paid off my debt. ( See Attached Letter ). I come to find out through internet research that XXXX XXXX XXXX XXXX XXXX is no longer in business. I sent an e-mail to them asking for my judgement to be satisfied and to send me a letter with my Case # XXXX and Document # XXXX stating that my judgement was satisfied.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX  written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Product: Credit card

Barclay Carnival Mastercard closed my account on XX/XX/XXXX. I had not been able to take a cruise that year due to my sons graduation. I did take one in XXXX of XXXX, and currently have one planned for XX/XX/XXXX. However, when I went to redeem my points, I could not find my account. Calling Barclay, they said they closed my account due to inactivity. I never received notice or forwarning. I would have charged something. I had about {$200.00} dollars in active points. I earned these points in XXXX of XXXX. They are/were not set to expire until XXXX of XXXX. Active points by definition is Activity on my account. Again, if they needed me to charge something to keep my points, I would have done so. I did not know they would steal my active points in my account. They could have blocked lending, but kept my points until they expired. They chose to kill my points that I earned, and simply close my account without forewarning. I would like to be reimbursed my points stolen. Dirty move!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Chex Systems regarding their improper use of my credit report. I filed disputes on XX/XX/2024 requesting viable evidence submitted by XXXX XXXX and XXXX  XXXX XXXX about the two accounts reporting on my Chex Systems report. However, Chex Systems has failed to provide me with the proper documentations required by federal law. I'm again filing this complaint in an attempt to request the description of the procedure used to determine the accuracy and completeness of the information disputed which must be provided 15 days of the completion of the re-investigation. Additionally, I'm requesting that Chex Systems provide the name, address, and telephone number of each person contacted at XXXX XXXX and XXXX  XXXX XXXX regarding these alleged accounts. I am formally requesting a copy of any documents provided by XXXX XXXX  and XXXX  XXXX XXXX. 
It is important to note that I contacted XXXX XXXX and XXXX XXXX XXXX myself, only to be informed that Chex Systems did not reach out about these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. ''
Product: Checking or savings account

I set up an ACH transfer from my XXXX XXXX XXXX account to my TD Bank checking account. on Tues. XX/XX/XXXX. Normally, it takes 2-3 business for the transfer to be complete, but my Monday XX/XX/XXXX, the funds were not posted in my checking account. I contact XXXX XXXX   regarding my transfer and I was informed that there was technically issues and my transfer would not be finalized until XXXX XX/XX/XXXX, but I did not get the funds posted in my account until the following day. Because of the funds were not in my TD bank account within the 2-3 days ; I receive four overdrafts fees from TD Bank. I explain to TD Bank several times regarding my issue, but the bank refuse to refund me the fees because it was not their issue. XXXX XXXX offered to speak to TD Bank directly, but once again the bank refused to refund me the over drafts fees. XXXX XXXX only provided me a XXXX refund back to my XXXX XXXX account for only one overdraft fee. I have made countless attempts to resolve this issue and I have offered to provide my bank statement and/or other documents to show the fees, but both TD Bank and XXXX XXXX refuse to resolve this matter As a consumer, I should not pay for any fees because this was a technical issue.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer protection agency, for their failure to comply with the Fair credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent in numerous documents about XXXX to Equifax and XXXX. XXXX  has resolved it months ago. Equifax and XXXX  continue to report this inaccurate account on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report I noticed there was a late payment showing and due to the pandemic/hardship I was not able to make those payments on time. The following account that shows late payment for 1XX/XX/2020 XX/XX/2020 XXXX XXXX SELF LENDER # XXXX. Due to the Pandemic shutdown I was effected financially.
Product: Student loan

There is zero record of my Master Promissory Note for this loan. I have made repeated requests to Navient, who was the original holder of my XXXX XXXX XXXX XXXX loan from Sallie Mae to Navient, and no one is able to produce this document. This document, which should be held by both Navient, XXXX and the Department of Education, can not be found by anyone. This loan was originated in XXXX of 2006, and has since been transferred to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN continues to house incorrect invalidated information causing great harm and damage to my personal life/consumer report. 
EXPERIAN continues to violate my consumer rights, while breaking the law by ignoring FCRA FDCPA and XXXX XXXX compliance guidelines.