23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan opened XX/XX/2019 with Best Loan XXXX XXXX. XXXX XXXX XXXX Ok XXXX. First payment due onXX/XX/19k I made first payment on XX/XX/XXXX. The manager name XXXX XXXX and workers in office XXXX said one day after due date you are considered 30 days late. I explain this is not correct. reporting with XXXX. I advised and 30 days late means 30 days past due date. After 2 months Manger XXXX said she would correct they have had changes in who sends reports to credit bureau. I explained this error dropped my credit score 100 points. She apologized, but avoided correcting and my calls she works out of this office, the loan office agents weren't helpful either. I filled a credit bureau dispute and got that corrected in XXXX. I paid this loan off on XX/XX/2019. They report monthly at the last day of month. Error again they reported XX/XX/2019 I owed {$640.00}. When I went in to pay the manager on duty was very rude, states I had called there office bothering them daily for my own error of paying late. I was profession for 5 1/2 trying to get them to correct there error. They state there company was bought but refused to give me new company owner 's name or contract number. If you are reporting a credit bureau you are required follow procedure. They need to be reported. Please take action for mishandling of my credit reporting and delays. ^
Product: Debt collection

Even after I disputed the debt for Identity Theft, American Express emailed me constantly. I received over 50 emails harassing me I am providing an example below. 
According to Late 15 USC 1692 C they have violated my rights by UNLAWFUL Communications.

According to Consumer Law 15. USC 6801-6802, it is illegal to put anything on my consumer report without my permission
.AMERICAN EXPRESS DIDN'T HAVE MY WRITTEN CONSENT TO REPORT ANY NEGATIVE ITEM ON MY REPORTS.THIS IS UNVERIFIABLE DATA.

Our personal information isn't supposed to be shared by a third party. No financial institution can share my NON PUBLIC information with a third party entity. I am a victim of identity theft, and demand for immediate action that this Collection be removed at once from all three Credit Agencies.

According to FCRA Section 605 B, it is illegal to report information on me credit report without my permission. Please remove this inaccurate information from ALL THREE Credit reporting agencies. According to Law 15 USC 1692 C, you have violated my rights by unlawful communications. Thank You.
Product: Debt collection

I obtained an installment loan through Sun Loan that was charged off XX/XX/XXXX. I experience a hardship, in which I was laid off from my job and fell behind on the payment. I made a payment to the corporate office for the charge off balance in full on XX/XX/XXXX. Since then the account has been reporting to each of the bureaus incorrectly and the balance is showing as a debt that has not been paid. I have had to call XXXX XXXX in the credit dispute department numerous times to correct the issue. I feel the company 's practice is very unorganized as to keeping record. I was told on one occasion she could not find my accounting records to show payment then another occasion that a representative in the company did not know I paid the account in full and reported incorrectly to the bureau. I am in the home buying process and I have done my part with the company and should not have to bare the burden of continuing to deal with this issue. Receiving alerts, my score decreasing monthly, and having to call the company to correct the issue with poor excuses is very unethical practice. I am asking for the account to be removed/deleted from each credit bureau and to reflect as such on my report.
Product: Credit card

I am filing a complaint with the CFPB against Concora Credit for their failure to adhere to regulations in regards to refunding overpayments. I submitted a payment paying my XXXX XXXX in full with one of their representatives, initiating to also close the account. However, in the span of the following days, XXXX payments were initiated, both equating to the same value of the statement : {$710.00}. I confirmed with a CFPB representative that Concora Credit, or any other creditor, has no longer than 7 days to refund the overpayment initiated upon written notification and XXXX  draft. However, Concora Credit insists that I must wait 45 business days with no surefire given range to receive a refund for MY own hard earned money in which they mistakenly initiated a duplicate payment for. I refuse for them to harbor my funds for this period of time, as their second payment overdrafted my account and ate heavily into my paycheck, causing financial distress. I request respectfully that this overpayment of {$710.00} be returned in a timely manner, either by XXXX  to the bank account that had the payment withdrawn or by check WITHIN that 7 day timeframe. Thank you.
Product: Debt collection

HIPAA violation no knowledge of the fraudulent collections medical bill on my Equifax credit report. FTC ID Theft Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for extra protection on my account. If anyone attempt to pull my information due to obtaining any credit, it needs to be verified through me with my phone number. I noticed after checking my credit report that there is still fraudulent inquiries on my report. My identity was in jeopardy about 3 years ago. Once my vehicle was vandalize and my property was stolen during my attendance of Sunday service back XXXX. I reported everything to local police. My personal information and expensive military equipment was taken. Ever-since XXXX, I've been having problems with my credit reporting. 

On my XXXX report there are 4 inquiries on my report that the representative refuse to open up investigation on. I call and get a disgruntle worker 90 % of the time. There is a new inquiry posted lately. Nobody called me to verify anything. Why opt into extra security when that doesn't even protect you. Please get this Credit reporting agency to do their jobs. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion just posted XXXX XXXX XXXX, and they never offered me the free protection I was suppose to receive when my identity was jeopardize back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Product: Credit card

I use XXXX card from Wells Fargo to pay my rent. They send check to landlord. I have been paying religiously on time. Somehow at the end of XXXX last year I may have got confused with the XXXX holidays and I paid a day later. All of a sudden, they said my balance was no longer the average {$3500.00} but the full balance of {$6000.00}. I was shocked. I called them and asked if they could adjust, and they couldn't. I told them I don't understand how you can not give me a break and adjust this for me. Then in XXXX and XXXX i continued to pay my usual bill as I kept asking them. One of the managers I spoke at the end of XXXX said my statement balance would go back to normal because it was a short month. 
I have been begging them to give me a break since XXXX and they keep charging me late fees and high interest. For XXXX interest are {$120.00}, XXXX and late fees of {$40.00}. And this has been for 3 months. I have excellent credit and they have never shown me any desire to help or guide me at all. They just said on today 's call XX/XX/year> that they can't waive my fees and that i have to pay the full over {$6000.00} balance.
Product: Credit reporting

I sent a letter to Transunion outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.
Product: Debt collection

I cancelled my service with XXXXXXXX XXXX XXXX XXXX about 2 years ago. I paid my bill in full and returned the equipment. I have an email confirming that the equipment was returned. 
Then a few months later I began getting a bill from them for {$110.00}. I called the company to ask what the bill was for and they were vague about what it was for, final payment or equipment..I told them I'd paid my past bill in full and returned the equipment and asked for copies of my last 3 months. They had stopped my online access so I could not access my bills myself. 
The said they could not send me those bills. 
I refused to pay them for something that I did not know what it was for as I very clearly had paid my bill in full and returned the equipment. 
Then 2 months ago they put the invoice in for collection with Collection Bureau Hudson Valley, XXXX XXXX XXXX 
CBHV asked me to either pay the debt or send them documentation why it is not owed. 

I sent them a copy of the email showing that the equipment had been returned, since that is the only thing I could be getting billed for. Instead of accepting that, asking the XXXX for more proof that I in fact owe them any money, they simply put the {$110.00} in for collection, killing my credit which as perfect payment record with not a single late or missed payment.
Product: Debt collection

In regards to cfpb Complaint # XXXX that was recently filed didn't give me clarity on if my account is charged off. They say my account is in cease and desist but keep updating my account and the account says charged off ( see attached ). Capital One is violating my rights as a consumer am writing to formally dispute the charged off account listed on my credit report by Capital One. The account ending in XXXX & XXXX is being inaccurately reported as income, which directly contradicts Publication 4681 ( 2023 ) regarding Canceled Debts, Foreclosures, Repossessions, and Abandonments. 
It is imperative to highlight that charged off accounts are considered as income, and as such, should not be reported as such on credit reports. My filing of Form 1099-C ( see attached ) for this debt, which is a requirement by the Internal Revenue Service for the creditor to report the canceled debt to the IRS, does not equate to the debt being classified as income for the purposes of credit reporting. 

This misreporting not only misrepresents my financial situation but also violates the Fair Debt Collection Practices Act ( FDCPA ). Specifically, it contravenes 15 USC 1692e, which prohibits debt collectors from using false or misleading representations in debt collection, and 15 USC 1692f, which prohibits unfair or unconscionable means to collect debts.

Moreover, under 15 USC 1692g of the FDCPA, consumers have the right to dispute the accuracy of any information reported on their credit reports. I am exercising this right by disputing the misrepresentation of the charged off account as income. 
I kindly request a thorough investigation into this matter and the immediate removal of the inaccurate reporting of the charged off account from my credit report which is XXXX and XXXX. Failure to rectify this error will compel me to take further action to uphold my rights under the FDCPA and other relevant regulationsUnder 16 CFR 1102.26 - Determination of materially inaccurate information.Any person or entity reviewing a report of harm or manufacturer comment, either before or after publication in the Database, may request that the report of harm or manufacturer comment, or portions of such report of harm or manufacturer comment, be excluded from the Database. Therefore I found several violations that are reporting inaccurately.Therefore I found several violations that are reporting inaccurately. Also under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. As the dates that the dates are inaccurate and doesn't match Database. THEREFORE I FOUND SEVERAL INACCURACIES TO MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They are willfully in violation of FCRA and condoning illegal behavior. Kindly help me delete these following items : XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$2500.00} ; XXXX XXXX PL XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} ; XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$2500.00} ; XXXX XXXX XXXX I XXXXX Opened XXXX XXXX, XXXX Balance {$7900.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

RE : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : - **Account Name** : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX Under **15 U.S. Code 1681**, also known as the Fair Credit Reporting Act ( FCRA ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above. 

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter. 

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : XXXX. A copy of my Social Security card XXXX. A copy of my government-issued ID XXXX. Proof of address ( utility bill ) XXXX. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within **30 days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

Thank you for your attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX UCC 1-308 All Rights Reserved
Product: Credit card

In XXXX I received a notice from Macy 's American Express that my account was overdrawn. Knowing that I had not used the card since the original purchases I made when I opened the account more than a year ago, I contacted them and reported the fraudulent charges. It was a frustrating phone call and process - which took about 45 minutes. When I received the fraud packet in the mail a few weeks later, I completed and faxed all requested information back to the company as directed, two weeks prior to the deadline. For the last 4 weeks, I have been unable to successfully speak with the fraud department or anyone on behalf of Macy 's American Express to determine where they are in the investigation. Every time I call, it says that the office is now closed ( I have tried through out the day, up to 10 times or more a day ) or I am rerouted to someone in collections and it takes a long time to explain that I am not delinquent on the account or going to make a payment on it because I am not responsible for the charges. I am getting harassing collections calls daily. I have explained that the charges were fraudulent and the I have filed a claim but the calls have not stopped and the callers do n't listen to what I am saying but instead ask me to make a payment. I am very clear in explaining why I 'm not making a payment. Finally, after long wait times and having to insist several times that I need to speak with the fraud department, I was transferred to a woman in fraud prevention ( note prevention, not investigation ) who explained that they recently converted to a new phone and computer system and she could n't see any record of my filing the complaint, but said not to worry because it was probably part of a 4 week back log in the department. I asked her what I could do about the collections calls because I am concerned about my credit. I said that it would seem that the system they use does not " share '' information in a way that would prevent the harassing phone calls while a fraud claim was under investigation.
Product: Payday loan, title loan, personal loan, or advance loan

I was told to purchase an add on product for my title loan at One Main but when I tried to optimize the service I was told I couldnt use it.
Product: Debt collection

XXXX XXXX is trying to send me to collection for an insurance policy, that I cancelled my insurance agent cancelled. When my insurance agent called in they said that their computers had malfunctioned and that's why, I had initially received the collection letter. I thought this matter was taken care of. Apparently, it still is not. If XXXX XXXX continues to pursue this i will file a counter suit, alleging FDPCA violations. This is your last warning.
Product: Checking or savings account

On XX/XX/XXXX I signed up for a merchant services account with US Bank XXXX Elavon/XXXX  XXXX XXXX There was an opportunity for a {$600.00} bonus once my first merchant transaction settled. The terms said the bonus would be deposited into my existing US bank business account 45 days after the transaction settled. This transaction settled on XX/XX/XXXX. I have tried to reach out multiple times to my US bank contact but he has been completely unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect third party credit reporting
Product: Debt collection

I contacted NCC in XX/XX/2015 and advised I did not owe any debt to XXXX, I sent the documents from XXXX confirming I had a XXXX balance with them and I owed nothing to them. This was sent to NCC who advised it would be removed within 30-60 days due to balance paid. I received no letter as well as debt is reporting on yardi rent bureau as well as it is affecting my credit. This company has not resolved this issue in a year which is unacceptable. Now I can not rent a new apartment due to this error by NCC.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I had a credit card balance of {$9400.00} on my Capital One Credit card. I made my minimum payment of {$250.00} that same day. On XXXX XXXX, XXXX I called Capital One to inquire if they would be willing to accept a settlement, but still keep my account open. They declined and stated the only way to bring my balance to {$0.00} was to pay the full amount due which was now at {$9100.00}. That day I paid my remaining balance in whole which settled my debt with Capital One. A few days ago I received an email letting me know my statement for the month was ready. On a balance of {$0.00} Capital One decided to charge me interest of {$140.00}. Today, XXXX XXXX, XXXX I spoke to a Capital One manager, over the phone, ( XXXX ID # XXXX ). She and the employee ( ID # XXXX ) I spoke with before I was transferred to her refused to wave the interest charged from a {$0.00} balance. They insisted it was interest being charged from the previous balance. The manager I spoke with on XXXX XXXX said as long as I paid the balance of {$9100.00} I would have gotten rid of my debt. Now Capital One is attempting to steal {$140.00} from me after settling my debt with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was breached and my information was stolen. I am very upset having my utmost sensitive information in some criminals hands to do XXXX knows what with.
Product: Student loan

Ed financial was not given permission to disclose my personal information. I did not give consent to report this on my credit report of provide it to anyone outside of Ed Financial. Under 15USC1681b ( a ) Permissible Purposes of Consumer Reports in accordance with written instructions of the consumer to whom it relates. Remove this information from my consumer report now as it is against the law to report such.
Product: Checking or savings account

Capital One has held my XXXX XXXX for XXXX hours with no communication for the first XXXX hours. When they finally communicated, it was a blanket statement that answered no questions, but that was the only communication from the company. The funds have not been released, though my other bank has deposited my funds, and there is no answer on when the funds will be available. The issue began on XXXX, and the remainder was supposed to be deposited today ( XXXX ).