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

I acquired a new credit card with Capital One. Using Capital One 's online service, I initiated a transfer of a balance of {$1200.00} from another card to my new Capital One account. A few days after the transfer showed that it had posted to my new Capital One account, my other credit card still had not been credited. I contacted both my credit union, where I had the older card, and Capital One to inquire. I discovered from Capital One that the transfer was done electronically, but the physical address attached to the transaction ( for verification purposes, I assume? ) was for an address I did not recognize. I asked my credit union about this address and was told, after some investigating, that it was for a bank in XXXX XXXX in no way associated with either my credit union or the credit card I have through my credit union. My credit union informed me that it was highly unlikely the transfer ever would be completed because of the incorrect address. When presenting this information to Capital One, customer service representatives were contradictory and refused to cancel the transaction at my request. They agreed, at best, to initiate an investigation and told me it could take up to 30 days. They could not explain how an incorrect address was attached to the transaction, not would they credit my account while their supposed investigation took place. I'm nearly a week into this process and carrying a {$1200.00} balance on my new Capital One card for a transfer that never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account from XXXX XXXX XXXX ( XXXX ) for {$220.00} has been settle and paid. Credit Bureau will not move from credit report. 

Company information : XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX  Balance : {$6800.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX Balance : {$940.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX, Experian and XXXX credit reports again, I have identified inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Credit card

On XX/XX/year>, which was yesterday, I paid on my Macys bill online on their website. It was paid online well before midnight Eastern time. I received a confirmation email stating the payment amount ( {$120.00} ), the scheduled posting date ( XX/XX/year> ), and my confirmation number ( I can provide it per your request ). On this same email with said information, it also says Payment requests received by midnight Eastern time will apply to your account the same day. If my payment was indeed late, the posting date would be different but it was not. The email says XX/XX/year>. Today I was charged an unjustifiable {$30.00} late fee on my account. I reached out to Macys immediately. I requested them to remove the late fee immediately because I paid my bill on time. Macys refused. This is frustrating to have babysit this account. I love shopping at Macys but this is definitely changing my relationship with them. I have been targeted while being a loyal paying customer and always pay my bill on time or even early. I should have to go through all of this, yet here I am again due to Macys. So disappointing and not right. Please remove the unjustified {$30.00} late fee immediately and provide more than just your apology. This takes a lot of time and effort to have to contact Macys, try to get this resolved with no resolve then have to come to CFPB to file a complaint for something Macys could have fixed the first time I contacted them or not have to fix at all if the charge was not charged when the bill was paid on time. Why treat me, a loyal paying customer, this way?
Product: Debt collection

Subject : Unauthorized Disclosure of Personal Information via Text Message To whom it may concern, I am writing to formally address a matter of grave concern regarding a recent communication I received from your agency. On [ XX/XX/year>, at XXXX ], I was sent a text message containing a photocopy of a debt collection notice, which included sensitive personal information such as my name, address, the amount owed, and details of the creditor. 

This unsolicited text message feels like a violation of my privacy rights and the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, I understand that I am entitled to a validation notice by mail prior to any further collection activities, providing me an opportunity to verify the legitimacy of the debt. 

Furthermore, the transmission of personal information via text message without prior mailed notices or validating that the phone number is indeed mine raises significant privacy and security concerns. Therefore, I request that this debt be removed from my records immediately due to the improper handling and notification of the debt. 

Please confirm receipt of this letter and provide a written explanation of the measures your agency will take to prevent further breaches of personal information. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Inaccurate Late Payment Remarks ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Reporting Past Due : {$0.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Debt collection

They called me. I contacted my insurance company about the bill and my insurance company told me that they made a mistake due to incorrect or missing information from the hospital. They told me that they would resubmit the claim. When I informed the collection agency they told me that they could not resubmit it since they now have the info and the hospital has no info on it.
Product: Credit reporting or other personal consumer reports

This is regarding SYNCHRONY BANK/AMAZON account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither XXXX, XXXX, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Product: Debt collection

RISE/XXXX initiated a loan with me in XX/XX/2018.The loan interest rate exceeds 150 per cent APR. 
The CALIFORNIA SUPREME COURT RULED IN XXXX OF 2018 that this loan 's interest rate was " unconscionable '' violates California 's UCL ; Bus.and Professions Code 22302.The court ruled that this lenders unconscionable interest rate along with other behavior displayed by Rise made the loan UNENFORCEABLE. 
AN UNENFORCEABLE LOAN CAN NOT BE DISPLAYED ON A CREDIT REPORT AS THAT DISPLAY IS '' AN ATTEMPT TO COLLECT A DEBT '' .THIS LOAN, IF NOT DELETED BY ALL CREDIT BUREAUS CAN SUBJECT BOTH BUREAUS AND THE FURNISHER TO CIVIL DAMAGES IN CA SUPERIOR COURT SHOULD SUIT BE BROUGHT BY ME.
Product: Credit card

I disputed a charge on my Discover card, after a vendor continued to bill me, and make it literally, provably impossible for me to change my subscription status. 
And invoice was sent to me with an email that did not work. 
During the dispute, a phone number was provided, which also did not work. 
Lastly, the merchant provided a process that is provably impossible to follow ( it is simply wrong ) to change my subscription status. 
I have not been receiving service from this merchant ( XXXX ) for several months now, but they continue to bill me. 

I opened a dispute with Discover. Surprisingly, Discovered maintained the positions that : 1 ) I must provide proof of cancellation, irrespective of it being impossible to obtain 2 ) It does not matter that the merchant has made it impossible 3 ) It does not matter that the merchant provided false information to Discover 4 ) Once I have made one purchase once, the merchant is entitled to bill my card forever, no matter what. 

The merchant ( XXXX ) billed by credit card multiple times for a paid service. 
The invoices were sent to an email which is not associated with the account. 

The account itself is currently suspended and services are inaccessible, and XXXX has failed to respond to support requests for > 60 days. There is no way to contact support, no way to log in to change subscription status, no services being rendered. 
While that issue in and of itself should be treated as a business fraud separate to this claim, the issue here is with Discover, who has set literally impossible requirements to challenge an incorrect charge on my card. 

Due to their statement that the merchant may perpetually bill me forever for the service and there is nothing I can do about it, I had to close my account with Discover for my own protection. 

Unfortunately, I can not easily capture the chat logs where the 4 positions of Discover listed above were laid out. In any request from the CFPB to Discover, the text of the chat logs should be requested.
Product: Debt collection

There are 3 instances of this collections agency showing up on my credit report with 2 closed and 1 open accounts. There are NUMEROUS reviews online where the victims claim to have never visited the original creditor, implying the original creditor is non-existent, and it has been confirmed the hospital never having a record of him being employed there. I want all 3 fraudulent reports to be removed immediately and Online Information Services thoroughly investigated. I have sent two certified pieces of mail to the P.O box of Online Information Services, the collections agency behind this fraudulent act. Their address is XXXX. XXXX XXXX XXXX, NC XXXX
Product: Debt collection

I sent this collection agency as well as the credit bureaus dispute letters regarding this account. i pointed out that i do not know what this account is and it is not mine. I also pointed out that Midland credit management was illegally adding interest and fees after the account had been charged off and sold to another company. I sent a bunch of disputes over and over some were certified and some were not. XXXX and XXXX determined that this account was not mine and they removed it but it is still on XXXX.
Product: Debt collection

There were not options for me to pick the correct complaint. 
I had a debt charged off XX/XX/2019 for XXXX XXXX, The XXXX XXXX XXXX It was reporting as such on my credit report and I have been slowly working with creditors to get any charge offs settled. The creditor wrote the debt off in 2019 and apparently it went to LTD Aquisitions, then in turn sent it to XXXX XXXX XXXX. 
This last company decided to re-age the account putting it on as a NEW collection account thereby dropping my score XXXX points! A collection is before a charge off how can these companies ruin peoples credit and make a buck off a charged off debt and report it as if you went delinquent on a new account recently? There is so much compliance and regulation in every other industry and why are these creditors not regulated, constantly hurting consumers, selling debts over and over and even when they paid NEVER updating the credit? Here I am trying to fix my credit and they can just do what they want and ruin it again. I have disputed this over and over and nothing has changed. I want them to put it back to a charge off and I will settle with them but if I do that now it looks like I just paid a new collection again hurting my credit more. Please advised on any recourse. Thank you
Product: Credit reporting or other personal consumer reports

There is an address listed on my report which is incorrect. I have disputed it on all XXXX credit reporting agencies and been denied each time. The address shown is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived there. That is my ex-wife 's address.
Product: Credit reporting or other personal consumer reports

The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX with account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX Inquiries XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized ACCOUNTS that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$1000.00}
Product: Debt collection

BANK OF AMERICA FndTrnsfr XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX BANK OF AMERICA FndTrnsfr XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX Totals {$0.00} $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I NEVER gave XXXX  XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. This has caused severe stress and anxiety due to the abusive and unfair practices. These accounts are listed with late or missed or delinquent payments and that is incorrect. The following accounts were never late and should be listed as PAYS or PAID AS AGREED/CURRENT.. XXXX  XXXX Auto Finance # XXXX
Product: Prepaid card

I've been waiting I've been waiting about over two and a half years or close to that for my claims my dispute to be resolved. Bank of America is in charge of the banking for XXXX which is a prepaid card that I was assigned I filed a claim for the whole account they still owe me well over close to {$10000.00} they're just sitting here playing today every time I call it's pending provisional credit or still under maintenance and it seems like it's never getting out of that stage and they keep on doing this thing called reconsideration over and over and over again. I'm homeless living in the tent on the side of the freeway lost my family because of this and it's just me and my emotional support dog and we don't have much food but on the money sorry for me to work cuz I've XXXX XXXX  with XXXX and I have nowhere to live because I can't get this money and there's an issue due to the fact that every time I call they all got to do something different to say and why if and they keep denying the claims and reopening themselves what's the point of doing that. Also I sent in documentation one was a police report and the other was a handwritten letter of statement of facts that I wrote and they were attached to the claims but it seems like I can never get I mean you know not enough evidence ever works for them.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report, Equifax : XXXX Account Number : XXXX {$XXXX} XX/XX/XXXXXXXX XXXX XXXXL XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX {$XXXX} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX Account Number : XXXX {$XXXX} XX/XX/XXXXXXXX XXXX  Account Number : XXXX {$XXXX} XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$XXXX} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX  Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX BANK Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. This account has VIOLATED MY RIGHTS!!! ( ( XXXX XXXX XXXX XXXX  ) ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature, proof they own debt, payment plan/history and creditors information or I expect this account to be deleted within 30 days!!!