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

I asked XXXX and Equifax and XXXX to be compliant with federal tax code, to which they havent with regards to my complaint.ive filed 3 disputes with all three companies under this premise article 26 the United States Federal Tax Code states : Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these attached debts arent mine and need to be removed.

When I refer to these debts. I'll attach the debts/creditors charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These XXXX dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force XXXX and Equifax and XXXX to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking XXXX and Equifax do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on XXXX XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

I'm disputing the folowing : I have made the purchase with Kay XXXX  on XX/XX/XXXX. The total amount is {$1800.00} Per their policy, item can be return within 30days or exchange within 60 days. 
I returned the item after 20days, on XXXX XXXX XXXX 
Few days later, I receive the statement ask to pay full amount {$1800.00} for the purchase that I have returned. I called the customer service and explained to them about that and they told me they will remove the charge. The Next month, I received another statement billing me the '' Late fee " because I didn't pay the previous statement. Kay XXXX / Comenity Capital bank did it over 10 months, keep billing me the late fee. I called their customer service and talked to many agents. They promised to remove the fee, but they never did. I sent the email to Comenity Capital bank on XXXX XXXX XXXX  ask for investigate. They replied me back on XX/XX/XXXX and mentioned they have receive my letter and start to investigate within 90 days will get the resolve. 
I haven't heard from them any update, but still received the statement charged for Late fee add up and due date for payment is XXXX XXXX XXXX Then I called them back on XXXX XXXX XXXX to ask. And their agent told me that the charge fee has been removed on XXXX. I asked them sent me the letter to confirm that it has resolved. 
They wrote a letter on XX/XX/XXXX and sent out to me after I called them on XX/XX/XXXX, replied to me that the balance is XXXX now. They didn't mentioned the debt just sold to a new collector is XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX until the XXXX letter they sent out on XXXX XXXX XXXX 
I don't think it right, when the case still under investigate, but they hide to sold my debt to another collector without the resolved or answer back to me. It is hurt my XXXXedit score when my credit report showing charge off/ written off, and will stayed there for 7 years until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX I got an email from XXXX saying I was denied based on my application via credit karma. I never applied for credit with XXXX, the application was submitted by credit karma without my knowledge or permission.
Product: Debt collection

Daily I continue to receive phone calls from Sunrise Credit Services , INC on my work cell phone attempting to collect a debt. I have asked them repeatedly not to contact me during business hours ( XXXX M-F ) as this is an interference with my work. They still continue calling me multiple times a day during business hours with far less than pleasant attitudes. When I answer and ask again and inform them this is the 10th, 11th or 12th time I have requested that they refrain from contacting me during business hours, they get angry, hang up on me and call again. I have even warned them that I would be filing complaints with the Attorney General and CFPB if they did not stop. Today I have received more calls from them. This is becoming a huge issue with my work.
Product: Credit card or prepaid card

THIS IS A CLOSED ACCOUNT DUE TO MULTIPLE ACCOUNTS OPEN AT ONE TIME THAT HAS ALREADY BEEN RESOLVED. BUT COMPANY HAS IT AS A DERROGATORY MARK ON REPORT.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to talk timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have contacted Columbia Debt Recovery multiple time in regard inaccuracies reflecting on my credit report. I was a victim of identity theft and have already filed and FTC report and sent the Bureaus and have not received an update. Please remove this item from my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint to CFPB The response I got was " After researching your concern, we were not able to locate a Dillards account associated to you. 

Signed XXXX XXXX Escalation Rep. 

I can't change the information, they can't find any late payments so why would they purposely summit incorrect information to the credit bureau. 
I work very hard to maintain a good credit score and it's not fair that you would penalize me for your mistake. Please contact XXXX and tell them you have no history of my account being late
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Dear Consumer Federal Protection Bureau, Please be advised that I have never filed a complainant against a credit card company ever before. 

My XXXX  Card account mainly serves as a vehicle for XXXX XXXX Purchases which ends in the number XXXX was compromised with XXXX XXXX XXXX card by XXXX with an unauthorized charge against my citi-card credit card on XX/XX/2021 by XXXX  XXXX ONE TIME FOR A TOTAL CHARGE OF {$540.00} DOLLARS. 

This unauthorized charge by XXXX XXXX WAS NOT APPROVED BY THE COMPLAINANT NOR DO WE KNOW HOW DISH OBTAINED MY XXXX XXXX XXXX XXXX XXXX CREDIT CARD. 

This compromised security breach of XXXX XXXX XXXX XXXX XXXX XXXX CARD had caused harm by suspending my purchases opportunity at XXXX XXXX AND RECEIVING A CREDIT REPORT ACTIVITY ALERT FROM MY DISCOVERY CREDIT PROGRAM. MY XXXX  IDENTITY THEFT MEMBERSHIP HELPS ME STAY INFORMED ABOUT THE CHANGES TO YOUR CREDIT REPORT. RECENTLY, DISCOVER IDENTITY THEFT PROTECTION PROGRAM RECENTLY, DETECTED ACTIVITY THAT NEGATIVELY IMPACTED DAMAGES TO MY CREDIT HISTORY SINCE XXXX XXXX XXXX ANYWHERE VISA CREDIT CARD SENT OUT THIS DAMAGING REPORT THAT MY CREDIT CARD WAS OVER LIMIT. 

I had called the XXXX representative to report this illegal unauthorized charge and the representative stated they would remove the {$540.00} dollar charge and re-issued another credit XXXX XXXX XXXX XXXX XXXX which arrived in the mail on XX/XX/2021. 

I had talked with the XXXX Representative on XX/XX/2021 regarding my suspension of charge card privileges and my credit report negative activity alert which I explained has damaged my credit card history by all 3 credit bureaus, including Experian credit agency. The XXXX Representative says they can not do anything about there negative reporting against me that I am over my credit limit to 3 reporting credit agencies. 

XXXX XXXX says they are investigating many other complainants, some class action ( s ) investigations surrounding these issues and randomly lowering customers credit limits without notification to the customer card account owners causing hardships and other financial penalties which do occur. 

I pray that the Consumer Financial Protection Bureau will order XXXX to remove there false negative credit reports to all 3 credit bureaus due to XXXX Compromising my credit information and allowing XXXX XXXX the capability to approve this illegal unauthorized one time charge of {$540.00} dollars. PLEASE INVESTIGATE XXXX  POLICY AND PRACTICE TO APPROVE THERE UNAUTHORIZED CHARGES AGAINST XXXX-XXXX  CUSTOMERS. 

THIS NEGATIVE FALSE OVER THE LIMIT REPORTING HAS CREATED DAMAGED MY FINANCIAL OPPORTUNITY TO RE-FINANCE MY HOUSEHOLD MORTGAGE AT A MUCH LOWER RATE OF INTEREST. 

I HAVE A CREDIT RATING IN THE LOWERE XXXX 'S RANGE. 

THANK YOU AND XXXX BLESS.
Product: Debt collection

I got a letter from Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Reference Number XXXX with date XX/XX/XXXX trying to collect a debt is NOT mine, the amount {$1900.00}, date XX/XX/XXXX. They just search for the name and address without signed documents where my signature and all the information appear. XXXX XXXX name appear thousand times around USA. Please stop contacting me by phone or mail to collect this debt.
Product: Student loan

Sallie Mae has charged intertest totaling {$44000.00} on 4 loans of the 6 loans that I have with them. The specific amount of interest on each of these loans is {$20000.00} ; {$11000.00} ; {$9800.00} ; & {$2800.00}. The monthly interest payments were made as was requested by Sallie Mae but I believe Sallie Mae has incorrectly applied these payments to different accounts instead of the accounts that were intended to be paid. I have been unable to get a run down over what payment amount was applied to each account and when from Sallie Mae. I look to you for help with this matter.
Product: Credit reporting or other personal consumer reports

Hello, I did not give permissible purpose, and written instructions from the consumer were not provided, and there was no credit transactions with a consumer, and employment purposes with written authorization from a consumer were not provided, insurance underwriting purposes, tenant screening, and national security investigations. 

Please delete the inquiry from my consumer report. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer  Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX  Account number XXXX NOT MINE I DON'T RECOGNIZE THIS ACCOUNT XXXX  Account number XXXX LATE PAYMENT XX/XX/XXXX XXXX
Product: Checking or savings account

I opened several new accounts at Bank of America on XXXX XXXX in XXXX TX on XXXX XXXX, 2022. On Monday, XX/XX/XXXX I went to my previous bank and closed my account and got the money XXXX} in a money order. I took it to Bank of America and had it deposited at the teller inside. I was told that I would see the money on my account within 24 hours. I checked my account online the following morning and I saw the deposit and that the entire amount had been placed on hold until XX/XX/XXXX. I called customer service and spoke with 3 people, including a supervisor, and they told me that they could do nothing. Then I went to the branch this morning and spoke with a banker ( a gentlemen ) and he told me the same thing and that because I had signed a deposit agreement, that was never explained to me and I was not given time to read, that I had agreed to allow this to happen. Now I am without nearly XXXX  for over a week and I had to borrow money from my fiance to get my account out of being overdrawn. I would like the hold released and to have access to all my funds ASAP.
Product: Credit card or prepaid card

I WAS CHARGED FROM THIS SAID COMPANY XXXX XXXX XXXX ON MY CITI CARD FOR {$14000.00} I ON XX/XX/17 I CALLED TO REPORT THIS WHEN I SAW THE CHARGE ON MY STATEMENTS AND THE CREDIT CARD CITI FILED A FRAUD COMPLAINT AND GAVE ME THE CREDIT BACK ONTO MY CARD FOR {$14000.00} BUT THEN THEY TOOK IT BACK AND SAID I HAD TO PAY FOR THIS CHARGE.. I CALLED THEM BACK AND TOLD THEM THIS WAS A FRAUD AND I HAD NO IDEA WHO THIS COMPANY WAS AND I NEVER AUTHORIZED THIS CHARGE AT ALL. THEY WERE SUPPOSE TO OPEN UP ANOTHER CLAIM BUT THEY NEVER DID SO NOW I AM CONTACTING YOU IN HOPES TO GET MY MONEY BACK THAT WAS TAKEN FROM ME WITHOUT AUTHORIZATION. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME AND ALSO DEALING WITH MY SICK HUSBAND WITH MEDICAL EXPENCES AND HE IS ALSO A XXXX XXXX. PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA , XXXX EMPLOYER - XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX
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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Type this out exactly in this box of you want to input your info and remove instructional
Product: Debt collection

The payment was made in full as agreed, and the service was cancelled after agreement was fulfilled. Called the debt collector company, super unprofessional, on top of that making threats and harassment phone calls. 

As for the proof of debt, failed to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. I have reached out to the police in my city and the FTC. Im also doing this on my own behalf. XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX XXXX and there is another account as well that does not have a name. The account- # XXXX. There are o.lso some inquiries that are not mine XXXX, XXXX and XXXX.
Product: Prepaid card

An Amex gift card was purchased for me. I can not use it anyplace. It's rejected everywhere. I've tried a variety of retailers- XXXX, XXXX, XXXX, XXXX, and other smaller retailers. I'm trying to make purchases for less than {$100.00} and I have verified that there is {$460.00} on the card. The card is listed as active and available for use. I've made sure to enter the details correctly, including the XXXX CV. I called customer service- Amex phone representatives deny that there is a problem with the card and tell me that I should be able to use it anyplace Amex is accepted. This is absolutely not true. I have experience using XXXX gift cards and am accustomed to the gift card system- I am making purchases less than the value of the card, on reputable sites, and I am entering the information correctly. These Amex cards simply do not work, anywhere. 

Customer service is not responsive, just denying that there is an issue. Their own website https : //balance.amexgiftcard.com/ # /help says : " You can use your American Express Gift Card virtually anywhere American Express Cards are accepted within the United States and XXXX XXXX XXXX, except the Gift Card may not be used for recurring billing or at ATMs. You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . Please remember, you will only be able to shop with merchants in the United States and XXXX XXXX XXXX. Your eGift Card can not be used for transactions requiring a physical card. '' This is absolutely not true. The cards are accepted nowhere. 

The original value of the card was {$500.00}. I have XXXX pending transaction for {$34.00}, that will possibly be ultimately be declined. The rest of the expenses are for {$0.00} several time each, that XXXX took as a hold when I tried to use the card to pay my bills there. 

I included screenshots of the card 's history from the Amex website, and a screenshot of the XXXX website after one of my payments was declined. I have tried the card at a variety of different retailers. I was very careful to follow instructions. The purchase amounts were much smaller than the balance on my card, I entered the information correctly and I entered my address in the 'billing ' field as directed.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes specifically the most recent cfpb lawsuit highlighting significant issues with the platform. After using Zelle numerous times they failed to investigate my claims inadequately. They informed me that these transactions were impossible to recover.
Product: Debt collection

I had an old EZ-pass bill sent to XXXX Collections. I paid this bill online on and the amount of {$160.00} was cleared on my end on XX/XX/year>. Well over a month later it has not been reported to EZ-pass as paid causing my license to be non renewable. I've tried numerous times to contact this business via phone call with the number provided on the very same website I paid the bill on. I've sat on hold for hours at a time multiple times now to try to reach this them to resolve this issue and it seems like no matter what time within business hours I call no one picks up. They do not have an email contact or any sort of communication portal online. I believe that XXXX business days is more than enough time to to report a payment given that their FAQ on their website states payments resolve within XXXX business days. This is extremely unprofessional and does not give the debtor a fair chance to resolve the account to completion or inquire about any questions on the account.
Product: Credit card

I called them about a dispute for a dishwasher and microwave that were damaged and installed improperly which caused an insurance claim of approx XXXX. Since the problem existed the store stopped dealing with me claiming its an insurance matter so I called CITI Group who owns the Home Depot card On XX/XX/XXXX they sent a letter that the matter was resolved in my favor for XXXX cents Then on XX/XX/XXXX they sent a letter saying it was reversed. I called because I had to answer by XX/XX/XXXX and the letter arrived XX/XX/XXXX. So there was no way to respond fast enough When I called the gentlemen said, no, there is a new letter you haven't received saying it been switched back. I never received the letter. 

I called today and they have no clue why the guy lied and they have no letter. 

This whole matter started because they won't take the product back or fix it because it destroyed my house for over XXXX and XXXX XXXX co says talk to them and they say talk to insurance. The house is fixed only because I made a claim because Home Depot was railroadiing me.

given this nightmare, I don't think I should pay them anything for the work and product they won't let me return.

This is why I am counting on CITI who now has flip flopped and lied to me.

Nobody at HOME DEPOT or CITI will deal with this.
Product: Debt collection

On XXXX/XXXX/XXXX at XXXX XXXX a gentlemen called me from ( XXXX ) XXXX representing himself with the XXXX county courts. He stated a lawsuit was filed against me in regards to fraud. I advised I had no knowledge of this information. He then gave me another number to contact ( XXXX ) XXXX and case number XXXX. I called the number he gave me and a female stated the matter was with an Attorney XXXX. She then advised the matter was due to an unpaid payday load from Ace cash express. I advised her ; this was unethical and against the law to call someone under a false representation of the XXXX County Clerks office. Also, I 've set up payments with them and they 're not allowed to collect on a debt in which payments are already setup. This is a form of harassment. You can not false identify yourself, nor use scare tactics claiming suit by representing yourself as a clerk from the XXXX county courts. The lady then hung up on me. I called back several times baffled of such unprofessional behavior. She then begin to yell advising me to pay my bills when I 've informed her several times I 've already set up payments with them. She refused to give her name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information on my file is absurd, and I here by dispute all these accounts.
Product: Checking or savings account

Someone from citibank official phone number contacted me and advised me my account was effected and scammed over XXXX from my account. I have nothing now with kids to raise. They opened a dispute but are making me wait for denial/approval. Why would i not be approved when i was robbed for every dollar. i need help : (