23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Macy 's allows its clients to enroll in autopay, and then stops honoring it without informing the client ( even when one 's account shows current autopay enrollment. ) They then charge late fees and report nonpayment to credit bureaus after 30 days. I have tried to have this corrected, but have received no response. This happened in XXXX as well, but this time it has affected my credit rating at a time when I am pursuing a home equity line of credit ( HELOC ). Each time it occurs, I have had fairly large balances in my checking account ( ~ {$3000.00} - XXXX ) so it is not because of lack of funds. ( They actually do n't claim that it is ; they just stop honoring autopay. ) In XXXX, I was told ( after inquiring ) that my autopay was canceled if I did not use my account every month. The information regarding autopay available at the time I enrolled did NOT disclose this, and I believe the practice was later changed. I was not notified and was then charged late fees if my payment, which I did not know had not been paid by autopay, was overdue. 

Interestingly, for a period of time, I received notices each month, stating that in accordance with my request, my bill was being paid by autopay. It was n't unusual, however, for my card to still be declined days after receiving this notice! A few sales people from different stores have told me they receive billing complaints " all the time. '' Last month I learned that Macy 's was once again failing to honor my autopay, and that they had reported me to the credit bureaus in XXXX XXXX for a 30 day-late payment. When I checked my account online, it indicated that I was currently enrolled, so I do n't understand why my bills were not paid. ( I attached a screen shot of my account page indicating " Autopay On. '' ) I went through the enrollment process again, even though under status, it stated that I was already enrolled. 

I have just learned that because of this, I either can not get a HELOC or will have to do so with a significantly higher interest rate. The credit agencies also cited the time in XXXX when Macy 's did the same thing. Because it was more remote, it did not have the same weight individually, but together, the XXXX have a significant effect. 

In XXXX, I asked Macy 's to remove the late payment notice that was submitted because of their error, and to send me a letter to provide to the credit agencies. Despite being told they would do this, they did not. 

I am normally pretty easygoing, but Macy 's practices are beyond upsetting. I am furious that my credit has been affected when, for the very first time, I need to take an equity loan because of family illnesses. I also am disgusted with their lack of response to consumer inquiries. 

I am hopeful the CFPB will be able to help. Thanks very much.
Product: Credit card

My identity was stolen and use to open and inquiry about my credit history which show a lot of hard inquiries
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initally available funds. I believe these practives are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report 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
Product: Credit reporting or other personal consumer reports

My birth certificate had been taken along with some other things at a storage facility. I also have been the victim of several data breaches such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Equifax XXXX XXXX and XXXX other that XXXX XXXX has made me aware of. The following unknown charges appear of my various credit reports. 

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

MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed a bankruptcy showing on my Experian credit report although I provided clear proof that the XXXX county courts confirmed they do not and have not provided this information to Experian .Experian refuses to remove most recently stating the information was received from XXXX XXXX I have contacted XXXX XXXX and confirmed there is no bankruptcy in their records as Experian has indicated my most recent Experian report number XXXX copy attached listed the bankruptcy and XXXX XXXX as the source This is a direct violation of my credit reporting rights to have true and accurate information in my file
Product: Credit reporting

Equifax has several disputes concerning my issues. I filed Chapter XXXX but I won a XXXX lawsuit and i the did a voluntary dismissal. Equifax has been informed. They also continue to show XXXX mortgages as wage earner plan when XXXX were paid off in closing with wiring instruction. They continue to damage me amd my credit by reporting inaccurate information.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I paid in full the loan amount Citizens Pay loned me for {$880.00}. It was for an XXXX XXXX XXXX with All Access. I called close my account about a week afterwards so as not have excess credit lines effecting my credit score. The representative informed me I must wait 30 days until I can close the account. I called back tonight ( XX/XX/XXXX ) and was told I need to wait 90-150 days before my account will close automatically, and they are unable to manually close the account. XXXX is the phone number in their Terms and Service Agreement under section " # 19 Closing Your Account '' subsection " b ''. A link to their terms is here... 

https : XXXX XXXX in their terms state they are unable to close my account when requested by the creditor. I believe what they are doing is against the law. In my opinion they are holding my credit line hostage ( {$2500.00} ) and disabling me from keeping a high credit score, and disrupting further credit lines from other creditors. I've paid them in full! I want them to close my account!
Product: Mortgage

In XX/XX/XXXX we entered the COVID-19 Relief Plan offered by Roundpoint Mortgage. Through XXXX we communicated at least monthly with Roundpoint regarding our status. In XX/XX/XXXX we advised we would like to begin making payments. In/About XX/XX/XXXX Roundpoint advised we would receive a detailed description of our workout option. We contacted Roundpoint in XX/XX/XXXX to advise we had not received any documents. We were advised we could not make payments until a workout has been agreed upon. In late XX/XX/XXXX, we finally received documents in the mail requesting information to apply for relief. We contacted Roundpoint immediately on receipt, on/about XX/XX/XXXX to review the paperwork from Roundpoint dated XX/XX/XXXX and were advised that the documents had expired. Agent advised or request would be submitted verbally and to disregard the documents. As of this writing we have still not been able to make a payment not have we received any agreement regarding a workout.

We understood from explanations from Roundpoint during our monthly calls throughout XXXX we would be able to get a forbearance on the XXXX payments at the end of the program, maintaining our current rate. We've received certified letters indicating Roundpoint reserves the right to foreclose. Our concern is we're being misled and stalled, and will be forced to take a foreclosure or a higher rate on a modification, similar to the situation recently described on XXXX for other homeowners who were in the COVID-19 forbearance program. It's now nearly 3 months since we requested to end our forbearance and each time we call Roundpoint we're advised to call back in 15 days. The solution we seek is to keep our current rate, add the outstanding payments to the end of the loan, and begin regular monthly payments as soon as possible. 
Thank you.
Product: Credit card

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Debt collection

On XX/XX/XXXX I had my credit run and on the report there was a Collection Item. Quality Asset Recovery in the amount of {$1700.00} with a date of XX/XX/XXXX. In an attempt to get this item removed from my credit, I contacted Quality Asset Recovery to find out who this money is owed. I talked to XXXX XXXX at ext. XXXX, she told me it belonged to XXXX XXXX XXXX and had a service date of XX/XX/XXXX. I then looked up XXXX XXXX XXXX to find out which doctor I may have seen in XX/XX/XXXX. It was Dr. XXXX XXXX. I can't imagine why I would have a bill in this amount when I have always held medical insurance. I have made many attempts to contact his offices. He had two offices. One in XXXX, PA and the other in XXXX, PA. The phone continues to ring with no answer, no voicemail and/or I receive a busy signal. I have not been able to confirm that this debt is accurate. I've come to learn that this doctor had his license revoked. How can I handle having this collection removed from my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

My original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. SYNCB/XXXX, Inquiry Date : XX/XX/XXXX XXXX. SYNCBXXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Student loan

My name is XXXX. I tried to get XXXX XXXX ( the name of Navient at the time ) to release my loan to another lender so that I could reduce my interest rate and they would not do so. I went through the route of contacting my XXXX 's office who directed a XXXX XXXX representative to contact me. That XXXX XXXX rep said that under no circumstances would XXXX XXXX release my loan to another lender so that I could reduce my interest rate. Also I was put into forbearance two times without being contacted by XXXX XXXX. I did n't initiate the process of forbearance. XXXX XXXX told me that since I had enrolled in college two separate times and had filled out federal financial paperwork, that act alone allowed XXXX XXXX to put my loan into forbearance without my knowledge. When I asked them to take away the forbearance charges. They would not do so. I lost hundreds of dollars in forbearance charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts/Companies on my credit report : 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 The reason I disputed these accounts on my credit report because it is incorrect and has inaccurate information and some accounts are even in violation. 
I initially contacted XXXX, XXXX, Equifax on XX/XX/2019 and they sent me a letter saying the results are verified which is incorrect. 
I again reached out to XXXX, XXXX, and Equifax on XX/XX/2019 asking for ( method of varication, The name of the original creditor, The creditors address and telephone number, The persons name you verified the dispute with, The documentation used to verify the dispute, The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.
Product: Debt collection

I saw it on my credit report so i called the collection agency. On the phone i gave them my name and the amount of the debt. The woman replied with a last XXXX which was not mine and an old address which i moved from about 7 years ago. she also said the account was from 4 years ago. This is all looking very strange to me so i ask her for any information about the company in which she could only give me an account number and XXXX extensions.
Product: Debt collection

JEFFERSON CAPITAL SYST Took on XXXX XXXX a conpant who doesnt even exist anymore. 
They have all incorrect amounts in hopes to get money that is incorrect.
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. 

Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Debt collection

Continue to receive phone calls from Portfolio Recovery several times a week throughout the day ... .upon speaking with them I 've asked them for debt validation and until then please refrain from calling me..portfolio stated verification was sent numerous times..I stated not once have i received anything ... .so therefore I 'm not giving you any info at this time without proper validation ... and politely said goodbye and hungup ...
Product: Debt collection

Oxygen XL keeps sending me collection notices saying that I owe them $ {$85.00}. I have responded twice in writing to let them know that I do not owe this debt and I have no contract with them. Oxygen XL keeps sending me a bill as validation and not verification of the account that I have no knowledge of. I have asked Oxygen XL for a contract with my signature obligating me to this debt which they have not provided. This debt does not belong to me.
Product: Credit card or prepaid card

On XX/XX/2021 I submitted a payment for my entire balance on XX/XX/2021 to avoid any interest charge. I assumed, that the payment was made as there was no indication of any rejection. However, on my statement I received a {$480.00} interest charge. 

I noticed the interest charge on XX/XX/2021 and called in hopes of resolving the issue with customer support, but was unsuccessful. 

If a bank can reject a valid payment and then charge interest it seems it is a lose/lose for the customer and this kind of practice is something the CFPB should look into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history Transunion show no data on 2 yr pymt history XXXX  shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?
Product: Checking or savings account

Hello, I have an account with Wise where I typically store USD to facilitate international fund transfers. In this case, Wise has erroneously charged me a {$46.00} fee for a canceled fund transfer by treating it as two separate transfers. 

On XX/XX/23 I mistakenly made a transfer from another XXXX XXXX account I possess to my Wise USD balance in the amount of {$7100.00}, of which {$48.00} were fees and commissions collected by Wise ( Wise transfer # XXXX ). 

On XX/XX/23 I realized my originating XXXX XXXX account did not possess sufficient funds for the transfer and contacted Wise to notify them so that they could cancel the transfer as the originating bank told me they, of course, would not transmit the requested funds. 

On XX/XX/23 Wise responded to my notification and falsely claimed that the transfer had already been completed, which is impossible since the originating bank informed me they had not and would not transmit the funds. 

On XX/XX/23 Wise notified me that the transfer had indeed failed and that they would deduct the balance from my Wise USD account. However, they deducted more than the transfer amount, leaving me with a {$46.00} negative balance, even though I had left the total amount of {$7100.00} untouched. 

On follow-up exchanges with Wise between XX/XX/23 and XX/XX/23, I attempted to contact Wise to clarify the issue and asked them to refund the {$46.00} fee that they had erroneously charged. This has left it impossible for me to use my Wise account without first paying the {$46.00} erroneously charged fee. They have further threatened to close my account over the matter. 

It seems to me that Wise is treating the one canceled transfer as two separate transfers, in an attempt to extract a {$46.00} fee. I believe they have erroneously done this by floating me the funds so that the transfer appeared as completed within their system. However, it was never completed because the funds were never transmitted. 
The user agreement with Wise does not allow for such a fee. I know Wise is not a traditional bank, but I and most others use it as such, and therefore should follow the rules of a normal bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX financed my car for 72 mos 6 months from payoff they repoed my car, all payments were up to date and i continued to make payments. the bank said I owed XXXX dollars immediately due and told me the car was paid off. the balance was for insurance etc. fact is I still owed XXXX worth of payments at XXXX per month. and the car was not paid off apparently when they found their error I got my car back no charge, They never did explain to my they made a mistake. But they still put on my credit report I`m late driving my score over 75 points. I`m still making my payments and they still report them late? the same way I have done for 65 payments. Also A credit card XXXX reports me as not paying my card even though I have never used it and did not want it the charges are fees and interest on the fees and the bank that the card is on also reports me a non pay I have never used the card and never wanted the card and thats why my credit score has fallen more than 75 points.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent the CRAs ( TRANSUNION, XXXX, AND XXXX ) letters requesting the inaccurate information they are reporting on my credit report be deleted ASAP. You are in violation of 15 USC 1681e ( b ), because it states that it has to be 100 % accurate and correct before information is reported on a consumer report. Furthermore, the information is reporting inaccurately and incorrectly and request that the tradelines be deleted from my consumer file. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, you are also required to do a re-investigation, per 15 USC 1681i5. 

i have attach a copy below for your reference
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing my credit report and I noticed that there are some fraudulent accounts appearing on my credit report. I will list the items below that I do not recgonize Please see attached!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account and credit inquiries currently listed on my XXXX, Experian, and XXXX XXXX credit report is a fraudulent collection account and not my collection account or credit inquiries which are authorized : XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX