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

I am XXXX years of age. My mother put me as a joint on her XXXX XXXX ( XXXX XXXX XXXX ) account about 2-3 years ago and it was removed by Transunion and XXXX and I have wrote letters advising that this account is accurate and to not remove this account and it was removed. I want this account added back to my credit file as this is not fraud. I have not heard back from either company regarding replacing this back on my file. There was a letter that came in the mail regarding someone opening something in my name and it was not mine. I have lost my license and not sure when they were lost but I wrote to advise if anything is on my report I did not authorize it but the credit card IS AUTHORIZED. Please do not remove this one credit card. I am wishing to place XXXX XXXX back on my credit file that was removed. Account number is XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Macys Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _________________________ XXXX XXXX XXXX XXXX XXXX, South Dakota, XXXX Please be advised that I am extremely disappointed in the service and deceptive business practices of the credit services department XXXX On XX/XX/XXXX I purchased a couch from Macys Furniture with a promotional period of 12 months for {$3600.00} with the promotional period ending on XX/XX/XXXX. 

On XX/XX/XXXX, or XX/XX/XXXX I called customer service and spoke with several reps that I do not recall, but the asks was to allocate {$2000.00} to the promotional balance. However, after checking the website I noticed the entire amount was not applied so I called back and was assured the account would be updated to reflect the payment and the promotional balance of {$1600.00}. 

As of XX/XX/XXXX, I called customer service and spoke with Representative : XXXX, XXXX to asks why was my promotional balance on the website {$3400.00} when I allocated funds to that account and the website was updated in XXXX to reflect {$1600.00} ( I saved a screenshot of the updates on my phone ). He proceeded to advise me that the {$2000.00} was not allocated to the promotional balance so I became very upset because the reps keep defaulting the errors to the system but that is unacceptable. 

How is it that Macys is such a large brand but cant get the reps to ensure payments are applied correctly? Why is it that consumers can not go online to apply funds to promotional balances? Is it because you want customers to pay the interest on the account? Is it because it is a tactic used to confuse your consumers? Or simply a way to force interest payments from consumers whos not paying attention to their account and simply lose track of the transactions. 

This is really unfortunate situation that has caused me stress and time that I can not get back. Therefore, I am submitting a formal complaint to the Federal Trade Commission, Consumer Financial Protection Bureau, as well as the Department of Justice. No consumer should have to deal with this and fortunately I had time today to write this letter and distribute it to all those who have control and oversight of companies that attempts to deceive its consumers. 

XXXX XXXX
Product: Checking or savings account

I went through fraud on XX/XX/XXXX and I had lost over 1400 dollars. I contacted the fraud department of wells fargo and game me temporarily money for 10 days to see if they can find anything. The bank could find anything so there was a reverse of provisional credit of 1000 dollars 500 on XX/XX/XXXX and another 500 dollars on XX/XX/XXXX. Since that happened my account is now in the negative of XXXX dollars and tried resolving the issue with all the departments.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX  - XXXX, XXXX XXXX  - XXXX "
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX  - Account # XXXX XXXX  Account # XXXX
Product: Mortgage

I have contacted this company repeatedly with questions or concerns with zero response back. I have complained to the executive team who does absolutely nothing and doesn't listen. I've complained multiple times now that nobody responds when i try to contact them. Nothing has been done. XXXX with the executive team does nothing and this has occured twice now. I asked him to contact me when he fixes issues and I haven't heard back from him. I've filed a formal complaint against him and KeyBank has done nothing. Not communicating with customers, especially loan borrowers is not ok. I don't think this company cares about customer service and certainly lies when they say " someone will contact you shortly '' on their site after filling in the contact form. This is false advertising and failure to address customer concerns regarding a mortgage. KeyBank refuses to respond to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information!

The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.
Product: Credit card or prepaid card

I opened up a platinum American Express card inside of the XXXX lounge at XXXX. They stated that I would be able to get the promotional offers which was XXXX miles if I spent {$4000.00} within six months of opening the credit card I met all the requirements that they asked for and I did not receive my Miles. I called American Express and they had no answers for me. They stated they would open up an investigation and that I had to call XXXX and contest these issues. I called XXXX and they told me to call American Express and contest these issues at well. I feel like I am getting the runaround and was falsely misled. If it wasnt for this promotion that they had promised me, I would have never opened up another credit card, but it seemed like a beneficial promotion to earn points if I spent the money that they required within the first six months. I feel like I was misled into opening up another credit card, which I didnt need, and I feel like that is not fair to be misled as a consumer, and would like for an investigation to be conducted. I would like to receive the benefits I was promised when I was sold to apply for this credit card, which I got approved for, and spent money on, but never received the promotional benefits I was sold.
Product: Mortgage

Dear CFPB : You may not believe. Im back again, some of same issues with the horrific, irresponsible PHH Mortgage, and Ocwen Loan Servicing company. Please see prior XXXX complaint XX/XX/2018. They stopped their irresponsible behavior for a few months and drifted right back to sending me info and packages to MY home address with ex spouse name attached to mine. The worst case scenario keeps happening with these folks and now I receive and reimbursement check from my escrow account with you guessed it, both My name and XXXX 's name. The insurance policy and taxes are completely in my name and no surprise, because it takes a bit of effort to set things right in my file noting I am the only party to any monetary transactions these should only be in my name and my name only. Seems simple enough right? Now I am stuck with a check I can not cash, copy attached and the really scary thought is if this would have been a major payout Id be stuck like XXXX!! My bank ask me to go find my ex wife or have her come to the bank with proper identify and consider adding her to my account. Can you believe? Well, Ive called and called PHH Mortgage and I get some supposedly relationship manager after a slew of customer service reps in and out sourced and am getting no where. I am uploading files to support this. 
Thanks you in advance for your attention and response.
Product: Credit reporting 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. 

XXXX XXXX XXXX  Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX This account is actually settled by litigation and was illegally added to my report. My lawyers info is following : 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  Last reported XX/XX/XXXX {$300.00} Open balance XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 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 Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

I have asked Equifax, XXXX XXXX to remove these accounts immediately and they refuse to comply even though this is a blatant act of ID Theft.
Product: Debt collection

XXXX XXXX,2024 {$5300.00} I called the company to see why I was getting sent to debt collection when I no longer own the vehicle. They said that I never released liability and now owe that money. They verified my personal information and said I am responsible for this payment but I can dispute if I send proof of release of liability. I asked them how can I obtained this information when I no longer own the vehicle and they said through the DVM. They said I could had never given the title to the vehicle so this could cause me not releasing liability when selling this vehicle. When I asked if this information was located online about being in debt collection the lady didnt know. I asked them since I called today that stop the collection since in the letter it says if I write or call before a certain date they will stop collecting, they said no that every day will be a continuous charge for the longer I take to pay off the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Settled with asset recovery solutions for XXXX on XX/XX/19
Product: Debt collection

Car accident was XX/XX/2019. Left multiple voice messages to financial person in charge and never got a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX & XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX, DEPT OF EDUCATIONXXXX, has violated my rights. 
DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX bankruptcy discharged XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$1100.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account Immediately.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX Balance : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an invalid account on my credit report with all 3 bureaus. They claim to have initiated an investigation into the account from XXXX XXXX, whom I have never done business with. I requested proof of account per the FCRA guidelines including any signatures our contracts. None of the bureaus marked the account " disputed '' as required. All 3 bureaus did however remove the account from my report within 60 days, not 30, after XXXX XXXX failed to validate it.
Experian has now allowed XXXX to reattach the account to my report, still with no proper validity. I made a complaint via phone X/XX/17 & was informed that I would have to start the dispute process all over again while this incorrect, damaging account stays on my report. I have contacted XXXX which I am waging a separate complaint about.
Product: Credit reporting or other personal consumer reports

I got a credit alert notification from XXXX that capital one on XXXX XXXX  rain a hardcopy I contacted XXXX express to them. My concerns I was able to put a freeze but they advised me to contact and call number for capital one I contacted that number was kind of unable to get a direct response to my specific question was Credit extended in my name they kept bouncing me to different departments where I ended up in the either collections or charge off department when I expressed to them that wasnt me or Id have no reason to believe why or how this was related. We came to the terms it was unsolvable.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company to notify them a account that I disputed and asked for a investigation due to inconsistency on the reporting on the account in question and the company results after their investigation said that the account met FCRA requirements but never told me how they came to their conclusion. Under 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

THIS ACCOUNT WAS OPEN FRAUDULENTLY AND CREDITOR IS REFUSING TO REMOVE ACCOUNT FROM MY REPORT EVEN WITH ALL SUPPORTING DOCUMENTATION CLEARING ME. THEY CONTINUE TO SEND TEXT MESSAGES, INVOICES AND CALL ME IN REGARD TO THIS FRAUDULENT ACCOUNT. THEY ONLY NOW HAVE MY CURRENT AND ACCURATE INFORMATION DUE TO ME HAVING TWO ACCOUNTS THAT ARE MINE AND AUTHORIZED BY ME.
Product: Debt collection

I request Validation of the alleged debt however information was not provided that included a breakdown of the debt amount, whether or not the alleged debt is within the Statute of Limitations for my state, my physical or digital signature, the address information of the original creditor, as well as proof that the collection agency XXXX XXXX XXXX has the authority to try and collect this alleged debt from me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate addresses that continue to appear on my credit report. Despite submitting previous dispute letters addressing this issue, these erroneous addresses remain listed, and I am formally requesting that they be removed from my report immediately. These addresses do not belong to me and have no relevance to my credit history. I have previously provided all necessary documentation to prove my correct address and requested the removal of these incorrect entries. However, despite multiple requests, the incorrect addresses have not been removed, which is a violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of these addresses could lead to confusion or potential inaccuracies that affect my creditworthiness. 
I once again urge your agency to review my credit file and ensure that only accurate and verified information is reflected on my report. It is your responsibility to maintain the integrity of the information provided to lenders and other third parties. Please correct this oversight by promptly deleting the incorrect addresses and ensuring they do not appear on any future credit reports. 

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

Several years ago my ex who is currently XXXX XXXX for this used my ID to get a car and he had wrecks and everything in the car. He got tickets and everything because we look alike and he had my ID, he could pass for me basically. He was XXXX for using my identity and XXXX and XXXX XXXX XXXX  where he is in XXXX  today. 

This got it reported to LexisNexis under my name. I got most of the stuff cleared up as you can see by the attached document but LexisNexis states that two claims reported by XXXX were verified. However after I sent XXXX the proof they quickly responded and deleted the claims from name in their system. The weird part though is that they state that while they deleted it from their system they could not delete it from LexisNexis report because they don't have a montly reporting cycle in place. 

After contacting LexisNexis by phone they explained that this was true. I have no clue why that is nor do I care. However the law states that if it is an invalid account it must be deleted from the credit file and LexisNexis last time I checked compiles consumer reports.
Product: Credit card or prepaid card

I have received several deceptive offers through credit karma over the past few years. These offers stated that I had an excellent chance for approval when applying for a credit card.each time I would apply for one, I would receive a denial this in turn would lower my credit score each time. I already have credit issues and a lowered score just makes it harder to improve my credit standing. Especially since it takes so long for these applications to be removed from my credit score. If I didn't have a chance to be approved in the first place, I would jave never applied to begin with. Very deceptive and unfair XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made payment and paid off all my credit cards. I spoke to the company and they assured me everything was good since I had made a payment plan due to covid. After I paid them off without notice they completely took down my credit limit, closed my cards and didnt report the payments to the credit agency. This has caused my credit score to lower a lot and no changes have been made. There action have greatly affected my score and I had spoken to the company and credit agency such as experian, etc and I was assured my credit score was fine and my standing with the company was fine and it turns out it was all a lie and now they don't want to help whatsoever.