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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear TransUnion Representative : Delete the dispute notation from my credit report I have previously requested you delete all addresses on my profile that I see reappear again on my profile. Also, delete all the above addresses & * ph. # business info as well. 

Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Employer Occupation XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or ( XXXX ) XXXX. 
XXXX 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, credit repair services, or other personal consumer reports

I presented a check at a XXXX grocery store in XXXX XXXX, Tx on XXXX ( Check # XXXX XXXX for groceries for {$98.00}. They refused the check and told me I had to contact Certegy about the problem. I mailed a FACT Act Free Annual File Disclosure Request Form to Certegy on XXXX. I have not received any information from them. I did the request form on the phone with Certegy on XXXX File # XXXX and still have not received any information from them. The same day I mailed the FACT Act Form to Certegy, I also mailed a credit request form to all three of the credit reporting companies ( XXXX, XXXX  and XXXX  ) and have received all three reports back from these credit reporting companies. All my reports are in good standing. Certegy has NOT mailed me a report nor have they contacted me in any way about why they have refused to accept my checks.
Product: Credit card

# # Complaint to Consumer Financial Protection Bureau ( CFPB ) **Subject : Incomplete Foreign Transaction Refunds** Dear CFPB, I am writing to file a complaint regarding incomplete refunds for foreign transactions processed through my account at Alliant Credit Union . 

Issue : On multiple occasions, I have received refunds for foreign transactions that were less than the original charge amount. This issue occurs consistently with all foreign refunds, regardless of the date ( including same-day transactions ) or the country involved. The consistent difference between the original charge and the refunded amount suggests a fixed fee, not a foreign currency exchange fluctuation. According to Alliant Credit Union 's policy, they do not charge a fee for foreign currency exchange on refunds. 

Specific Example : Transaction Date : XX/XX/year>2024 ( Settlement Date : XX/XX/year>2024 ) Merchant : XXXX XXXX ( XXXX ) Location : XXXX, XXXX ( XXXX ) Original Charge : {$6.00} Refund Received : {$6.00} Suspected Cause : Alliant Credit Union may be retaining a fixed fee on refunded foreign transactions, which is not disclosed in their policy. Alliant said the merchants are not returning the full funds. I contacted all merchants involved, and the merchants confirmed issuing full refunds for the original purchase amounts.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I received a letter from Discover Bank stating that they have removed accounts ending in XXXX, and XXXX from my credit files from XXXX, XXXX and XXXX. As of XX/XX/XXXX. The accounts are showing on my credit reports. 

According to the ( FACRA ) USC XXXX. Any person is who obtains a consumer report from a consumer reporting agency under false pretenses without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX, which ever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting to permanently opt out from the lists that CoreLogic provides to businesses that send firm offers of credit or insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit repert. It is my understanding that you will recheck these items with the creditor who posted them. 
I want the CFPB to publish this description on consumerfinance.gov so that others
Product: Debt collection

XXXX XXXX on XX/XX/2020 American Express called me trying collect a debt of a family member from an old corporate credit card. 

The customer service agent over the phone " You are not personally liable but I don't know how this effects your credit score as a supplement ... you need to tell me the plan for the account ''. Heavily indicated that my credit score will be negatively effected if I don't figure out how to pay thing. I believe that is a misrepresentation.
Product: Credit card or prepaid card

Capital one credit card Dept, billing cycle XX/XX/23 - XX/XX/23 balance subject to interest rate {$4800.00} interest charge {$120.00}. XXXX IS XXXX P.
Product: Debt collection

I am writing to delete the following information in my file. the accuracy of my credit report in unmatched. I am contacting the original creditors that are responsible for reporting invalid information. all accounts, dates, amounts, are listed in the files. please review and remove the listed items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX   XXXX  XXXX, DEPT OF EDUCATION/XXXX Company Inquiries : US SM BUS ADMIN ODA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Various and continuous threats to collect the debt during this pandemic has put me in a place where anxiety has taken over and its affecting my mental health I have been hit very hard this year and would like it to end on a good note I would not like to be threatened over a very small dad that could have been easily removed and I would like this dispute to be over
Product: Debt collection

In about the end of XXXX or early XXXX, I ordered a Dietary supplement, XXXX, and the online system pushed for addition supplement, XXXX XXXX XXXX, to complete the order. A couple weeks later, the products arrived. If you recall the mail delivery system was very slow before the election. There is no detail instruction along with the shipping. I called and talked to a lady with a XXXX XXXX accent, she said that I can try and have to cancel in 14 days, by XX/XX/XXXX if I'm not satisfied with the product. XX/XX/XXXX I kept that date in mind. 

On XX/XX/XXXX, the company, XXXX XXXX posted a new charge on my account for {$110.00}. I called and talked to their repXXXX on XX/XX/XXXX, I told the gentleman that I'm not satisfied with the products and wish to cancel. He agreed that the dateline is on XX/XX/XXXX and cancelled the subscription, he emailed to me to confirm ( he also tried to persuade me to keep the products by offering a deep discount of 40 % and 60 %, I'm not certain that he offered 80 % also ). { On their cancellation email stated that the order date is XX/XX/XXXX, I can email you the 2 emails separately to confirm this fact }. With further discussion, he said that I don't have to return the remaining product. The products are still sitting on my shelf at home. If he insist that I have to return in 30 days, I would have. Please take note that their rep. sent me a cancellation email. 

Now the company have XXXX XXXX XXXX, a debt collector, try to collect {$150.00} from me. She, XXXX - collector, saying that I passed the cancellation date line of XX/XX/XXXX XXXX ( I believe that is the day I received the products ) = trap # 1. I told her that I called and received the extension to XX/XX/XXXX, she didn't acknowledge that. she said that I didn't return the product within 30 days = trap # 2. The gentleman whom I spoke to when processing the cancellation said that I don't have to return the products at the end of our conversation. they have a tape recording of that, they taped everything. have them show you the recording. 

Additional products had never arrived since it had been cancelled. She threatened that the only way is to pay them. I need your help. I tried to complied with all their rules. I shouldn't be penalized after followed their instructions. 

Sincerely submitted, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

I was reviewing my credit report and notice several fraudulent accounts. I provided 2 forms of my ID to prove my identity.
Product: Student loan

Around in XX/XX/XXXX and XX/XX/2018. I called in regards to lower my monthly payments. I submitted my pay stub from XXXX XXXX and I made {$12000.00} this year. After I applied for the income driven repayment plan, they decieved me and said that i could qualify for $ XXXX/month for a year. They lowered my monthly bill but only to the point that it calculates out that i made {$22000.00} that year. I did not make {$22000.00} .... i made {$12000.00} as stated in the pay stub. This is unfair and it should be based on my real salary. Please help me fix this.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against. Experian Credit Bureau, XXXX Credit Bureau and XXXX XXXX XXXX. for their failure to correct and update my personal information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 

On [ XXXX ], I submitted a formal request to. XXXX XXXX, XXXX Credit Bureau and XXXX XXXX XXXX. asking for updates to my personal information. I provided all necessary documents to verify my identity, including : [ A copy of a government-issued ID ( drivers license, passport, social security. ] [ A recent proof of address, bank statement. 

However, to date, some of my personal details remain incorrect or incomplete.
Product: Mortgage

Hi, Last year I filed a complaint for the same reason, XXXX bank transfered the loan # XXXX to Carrington Mortgage Services, L.L.C. Loan # XXXX, since then I receive threats and harsasments from carrington, for me is a nightmare and XXXX XXXX wo n't do anything. I never missed a house payment to XXXX and I never missed any payments to carrington.Yesterday I had to block their phone number and their e mail. I DID NOT ASKED XXXX XXXX TO TRANSFER THE LOAN.
Product: Mortgage

The servicing of my second mortgage was sold to Land Home Financial Services XXXX XXXX as of XXXX XXXX, XXXX. It was under temporary modification and as of XXXX is now under permanent modification. Land Home Financial Services sent me a statement in XXXX XXXX indicating they have not received the payments I sent to XXXX Fund in XXXX and XXXX. They show my XXXX payment as a partial payment and show my monthly amount due as the amount before the loan modification. The XXXX payment is not reflected at all. I made the XXXX payment over the phone directly with XXXX XXXX and they do not show this payment at all. I mailed the XXXX payment ( due XXXX/XXXX/XXXX ) on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX, they still have not cashed this check. I sent it to the address on my Hello letter under RESPA and they do not know where my check is. Land Home 's XXXX XXXX XXXX XXXX XXXX told me over the phone that Land Home 's computer systems can not handle temporary modifications. I know that modifications and the sale of loans and servicing are a regulatory focus to protect consumers and honor loan modifications. Finally, I have asked for a current principal balance of my loan and Land Home has not provided me this. Given my on time payments under the loan modification, all accrued interest and late fees are forgiven 25 % each of the first four years. That is why I want to ensure that my payments are being applied correctly. 
My contact at XXXX XXXX XXXX is XXXX XXXX, XXXX. 
Thank you for your assistance.
Product: Debt collection

I am filing this complaint regarding the inaccurate item of account number XXXX from XXXX That continues to impact my credit score negatively Despite my efforts to have this issue resolved with the collection agency, it remains inaccurate and unresolved. I request immediate investigation and removal of this item, as it is, incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, I received INNOVIS letter dated XX/XX/2022 ( meter marked XX/XX/2022 ) under its Reference Number XXXX asking me to submit 200 word statement disputing the incorrect and inaccurate information furnished by XXXX XXXX XXXXXXXX XXXX ( XXXX  ). On XX/XX/2022, I mailed my statement together with the required documents to Innovis Consumer Assistance, XXXX XXXX XXXX, XXXX, GA XXXX. I also enclosed " Innovis Security Freeze Request '' ( page 7 with my name and XXXX included ). I also enclosed my Driver 's License, Electric Bill, and Social Security Card. 
On XX/XX/2022, I received INNOVIS letter dated XX/XX/2022 ( meter marked XX/XX/2022 ) under its Reference Number XXXX. It not only failed to include my statement but also failed to include my Security Freeze Request despite my submittal of all its required documents. It asked me to file a complaint with CFPB. Accordingly, I am uploading the documents I submitted to INNOVIS.
Product: Credit card or prepaid card

This is in regard to my Capital One Menards XXXX XXXX account. I made a payment of {$250.00} to Capital One for the account on XX/XX/2019 via electronic payment from my XXXX XXXX XXXX   checking. The funds were debited from my checking immediately. I called Capital One on XX/XX/XXXX to confirm their receipt of payment, because it did not show on my account online. They said they did not get the payment. I was told to send proof of payment via fax to their retail billing dept, to include a copy of my bank statement showing the payment was debited from my checking account. I sent the documentation on XX/XX/2019. I called on XX/XX/XXXX to confirm their receipt of the faxed documentation. They acknowledged receipt, and said they were looking into it. They said they listed the {$250.00} missing payment as a " dispute ''. At the end of XXXX, they sent me a letter asking for more proof of payment. They asked me to fax a copy of the bank transaction, issued by my bank, to show the electronic payment. I went to my bank, got this documentation, and then faxed that, as requested, to the fax number given on the letter. I faxed this on XX/XX/2019. On XX/XX/2019, I called again ( this is the fifth time I have called them ) for status update. The customer service rep said she had " bad news - they closed the dispute. '' When I asked why, she said " lack of response ''. I DID respond. I have sent them everything they have asked for. I have printed confirmation of successful transmission of the faxes to the numbers they instructed me to use. Today I spoke with two different representatives, one supposedly a supervisor. He said he would escalate the issue to the " back offices ''. I do not know what that's supposed to mean, other than they have once again found a reason to delay finding and applying my payment. My banker at XXXX XXXX bank said Capital One most likely applied my payment to the wrong account, but since they do have the transaction number associated with the payment, Capital One should be able to find the misapplied payment and correct it. What worries me is that Capital One closed this issue under false pretense ( that I didn't respond ). I have done all they asked within the time frame they asked, and they refuse to acknowledge my proof of payment or correct this error. They should either find my electronic payment and apply it correctly, or return the payment to my bank account as unable to be applied. I have sent every piece of documentation they asked for in order to resolve the problem, but instead of resolving the problem, they simply closed the dispute and kept my money. How is that legal?
Product: Credit reporting or other personal consumer reports

Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection that is not mines I would like deleted as well XXXX Opened XX/XX/XXXX {$130.00} Please delete immediately My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit card or prepaid card

They are scamming my account. I tried to pay off the account twice and reversed the payments. Then hit me with several late payments and fraud my account. Ive used the same account for the past two years to make payments.