23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

ORIG CO NAME : MACYS CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : CITICTP ACH debit {$1200.00} {$1200.00} After this payment of the entire balance on the account was paid, Macys is still charging me interest and continues to schedule automatic payments. I have contacted Macys and they are not responding.
Product: Credit card or prepaid card

Submitted a check for {$6800.00} on the XXXX. This company reports they have not received the check, The check was issued from the bank from a mortgage equity cash out. The company wont return calls or emails and the bank is reporting the check was processed.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing 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 items 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: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX account name XXXX XXXX, including Account # XXXX, 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
Product: Credit reporting or other personal consumer reports

i started receiving calls from credit card companies last month. After i talked to them, it was clear that my ex wife had something to do with it. I talked to my ex wife and she admitted to opening accounts under my name without my knowledge. These accounts are fraudulent and where open without my knowledge.
Product: Credit reporting or other personal consumer reports

My account withXX/XX/XXXXXXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXX/XX/XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XX/XX/XXXXXXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Apparently, XXXXXXXX XXXX XXXX XXXX charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file, the item i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my credit file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately.
Product: Debt collection

The representative, XXXX, from Atlantic Credit and Finance Inc. has called repeatedly, include at my work place. The first time she called on my job, I asked her not to. She called again this week ( Tuesday, XX/XX/XXXX ) I asked her again not to call and hung up. On Wednesday, XX/XX/XXXX she called my cell phone under a number that came up " unknown. '' When I answered, she urged me not to hang up, and insinuated repeatedly that by not cooperating with her or hanging up would not do me any good. I sternly asked her not to call me again and hung up.
Product: Debt collection

I am a victim of ID theft. I have been battling this ID theft since XXXX. My credit report stays frozen to prevent new fraud, however I suspect for this type of service XXXX does not actually check credit reports to authorize service. 

On XX/XX/XXXX I mailed my standard fraud packet to Enhanced Recovery, which I am very accustomed to doing as new utility and medical accounts pop up on my credit report from time to time. This was sent via USPS to there XXXX XXXX XXXX in XXXX Florida. 

On XX/XX/XXXX I noticed this account was still on my credit report and I had not received any communications back from ERC. I placed a phone call, explained the nature of my call and provided the representative with my full social security number. He located my account and confirmed the balance was for a collection account outside of my home state of California. I explained that I had sent out a fraud packet and expected this account to be swiftly removed from my credit report. He deferred me to XXXX  and stated they would not remove anything from my credit report without specific instructions from XXXX. I advised him that Enhanced Recovery is the entity on my credit report and not XXXX, and therefore the company breaking the law and perpetuating abusive consumer practices is ERC. 

Not intending to argue, I reached out to XXXX  as advised by the Representative at ERC. He even provided me with XXXX account number as XXXX. I explained to the XXXX  representative my situation, and he proceed to attempt to look me up using the alledged account number provided to me by ERC. He stated he was not able to find any account using the information provided. I advised him ERC found the account using my social security number, and he then proceeded to search using my social. He still found nothing. Very frustrating, as I had advised him I am in the middle of refinancing my mortgage to take advantage of the historic low rates, and I may be losing out on this opportunity thanks to there complete and utter incompetence.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$7100.00}
Product: Payday loan

I was n't not informed by Big Picture Loans of the 614.736 annual rate. I borrowed {$500.00} and was told I would have to pay {$120.00} in interest. I did not know the {$500.00} loan would cost me {$1900.00} totaling {$2400.00} for the entire loan. I have currently made XXXX payments totaling XXXX.
Product: Credit reporting or other personal consumer reports

TRANSUNION IS REPORTING FALSE INQUIRES ON MY CREDIT REPORT THAT WERE LISTED AS FRAUDULENT INQUIRES. I WAS A VICTIM OF IDENITY THEFT IN 2023 WHICH I HAVE EXPLAINED TO TRANSUNION DURING MY FIRST DISPUTE. THIS IS MY SECOND ATTEMPT TO HAVE THESE INQUIRES REMOVED. CURRENTLY TRANSUNION IS VIOLATING MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT BY CONTINUING TO REPORT THESE INQUIRES.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; DP OF EDUC XXXX Balance : {$6300.00}
Product: Mortgage

In XX/XX/XXXX, my former husband lost his job and we fell behind on our payments after using up our small savings. My husband had lost his job the prior year and we had been given a HAMP modification and had completed our trial payment plan. My husband became employed again and we attempted to enter a repayment program with XXXX XXXX XXXX. We were given a deadline by our loan representative to sign papers that was incorrect and it was too late and XXXX XXXX XXXX accelerated our note. I have emails from the loan rep documenting this in writing, We did not have the resources to catch up and have been trying to modify to keep this home for our son ever since to no avail. We divorced in XXXX and I returned to school and have been working as XXXX since graduation in XXXX. My income is more than enough to pay the mortgage on my home and the arrears, given time. I have a savings account and a retirement account. I have a home warranty so that unplanned repairs will not deplete my savings. I carry short term XXXX, long term XXXX and XXXX insurance so that bills will still be paid in case of illness or accident. If I am granted this second chance, I have done all I can to ensure I will not face a similar situation. This is the only home my XXXX year old son has ever known. I do not want to lose it. The foreclosure sale date is set for XXXX XXXX. I am working with XXXX for approval for the Florida Hardest Hit Fund which would give {$25000.00} towards our mortgage arrears. Unfortunately, the mortgage arrears are now {$58000.00}. If only they would accept the {$25000.00} and then work on a new mortgage modification or an extended repayment plan my son and I could keep our home. My yard is the one in the neighborhood that XXXX. I am the door that is knocked on when the kids forget their keys and are locked out. We will be sorely missed and a foreclosure will do nothing but lower home values. There has got to be a way to make them see that this is wrong. I just want to pay what I owe. Please help us.
Product: Checking or savings account

I tried to withdraw funds from my US Bank account through XXXX XXXX. I scheduled a transfer for {$4000.00} and it was withdrawn on XX/XX/XXXX. The transfer did not complete successfully and the funds are stuck in limbo somewhere. The funds have been missing for an entire month. The trace number for this transaction is XXXXXXXX XXXX  XXXX  told me they are helpless to do anything and I would have to file a dispute through US Bank. I did so and my dispute was rejected because I authorized the transaction. I have to recourse and no way to recover my funds.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX : XXXX. XXXX XXXX - XXXX My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX These addresses on my report are incorrect ; please delete them : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX. XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the unresolved late open accounts listed on my credit report. Despite numerous attempts to rectify this issue, the late open accounts remain inaccurately reported, negatively impacting my credit score and financial standing. 

Since discovering these inaccuracies, I have made multiple attempts to have the late open accounts corrected. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my persistent efforts, the late open accounts remain unresolved. 

The continued presence of these inaccuracies on my credit report not only undermines the accuracy and integrity of my credit profile but also impedes my ability to access credit and financial opportunities. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not reflect my credit behavior accurately. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in correcting the inaccuracies on my credit report. 

I demand immediate action to investigate and rectify this situation by correcting the late open accounts on my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. With this, I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$700.00}.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that was not reporting accurately. i had multiple late payments on an account that i was in fact paid on time. The consumer reporting agencias have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXXXXXX XXXX  ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Earn XXXX miles
Product: Debt collection

EOS CCA is falsely reporting a collection on my credit report. Debt was from a XXXX account that was already disputed, settled, paid, resolved and removed from my credit report ( s ) by another collection agency. EOS CCA is in violation of FCRA for trying to report debt that was already settled and removed from my credit report ( s ). The debt they are trying to collect on is {$350.00} which appeared on my credit report ( s ) on XX/XX/2019.
Product: Debt collection

12 CFR 1006.34 - Notice for validation of debts. 1006.34 Notice for validation of debts. ( a ) Validation information required ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : 12 CFR 1006.34 - Notice for validation of debts The following laws applies to my consumer report. I demand you cease and desist reporting the false information to my consumer report. I the information you have provided to the CFPB shows unconvincing and insufficient records of this debt.

1. Your agency has the correct spelling of my name 2. The bill does not show the correct spelling of my name 3.You agency has not proven the DOB and SSN belongs to the said consumer 4. The address is not my address which shows on my credit report.

5. The address is not a former address.

6. The collection agency did not send me an informal letter within in 14 days of the debt so I can dispute it and report it as FRAUD.

Please provide the methods your agency used to validate the debt. The information provided is unconvincing and insufficient to show proof the debt belongs to me.
Product: Debt collection

I received a billing today from portfolio recovery assocates LLC that indicates a bill for {$470.00} is past due. I have never applied for a credit card and the name that portfolio told me was XXXX XXXX that took out the card in my name and with my information. I do not owe this debt and I would also appreciate knowing how I can report credit card fraud on this individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to place a security freeze with Transunion. Transunion processed my credit card for the amount of {$10.00} but then claimed they could not complete the security freeze. This was at XXXX at night XXXX XXXX which I doubt is high load time for their website. They offer not easy recourse to recover the fee they charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to freeze my credit due to the Equifax breach and have been unable to do it online and over the phone. It 's frustrating that these companies have access to so much sensitive information, have placed so many at risk, and have made it so difficult for the public to actively protect their credit.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 

They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

According to : 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 According to : 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: Credit reporting or other personal consumer reports

These accounts and inquiries are not mine they were made without my permission, consent, inquires. JPMCB CARD SERVICES Inquiry : XX/XX/, Inquiry : XX/XX/2023 or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.