23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been fighting this battle Of Identity theft among many Creditors that they believe that the account has been verify as being mine. Macy 's just verify the account by identifying my name and address to be correct and it match their records, therefore the Credit Card accounts are mine, without telling me how they concluded with the investigation of both accounts, No information has been released to me, to let me know about their determination about those Macy 's Accounts, where they can prove I actually made all of the charges on those Credit Card Accounts. Instead what I found out later is the fact that Macy 's all of the sudden created another different Credit Account Number the difference between of both account is the fact the numbers are different ; but the opening date of both accounts are the same and both carry the same balances, Frankly I have never seen anything like it, The problem is that both account are creating a big impact on my Credit Profile and Credit Score because both accounts are close, but the problem is that every month they are reporting that both accounts are over the limit, and also reporting as both being late payments, when in fact both accounts are closed, on top the last payment according to them were received over 4 years ago, per Fair Credit Act and the provisions if the account are over 4 years, and trying to collect a debt are in violation of the statute of limitations in California where I reside, Please see the issues in detail to see If I am correct that there is violations, for example how in the world a Credit company can create XXXX accounts under the same name account holder, and both has the same balance and opening dates. 
This account were reported as of Identity Theft I submitted the Police Report as well as the Federal Trade Commission Affidavit to Macy 's apparently they ignored it, you can find as well the Case Number under FTC. on the police report. 
Also I Wrote a letter to Macy 's as you will see int he attachments dated XXXX XXXX where I am specifying to Macy 's that they have 30 days to provide me with the documents requested it, as of today I have been ignored, it do n't matter the letters Macy 's had sent me stating that the account has been validated but How?, when? where is the Investigation Report? I ask them if you fail to provide such information within 30 days they must Remove/Delete both accounts and Notified the XXXX major Credit Bureaus to update my Profile.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Payday loan

I borrowed XXXX from Big Picture Loans ( XXXX ). I initially thought I 'd be making a monthly payment to pay it off. Then I realized I 'm being charged {$700.00} a month for this loan and my pay off date is n't even until XXXX. I am expected to pay over 8000 on a XXXX loan. This is outrages and I have no way of paying this. Then when I went to " my account '' or whatever the page is supposed to be, it shows my pay off amount as {$0.00}. And it shows my application date as being today, XX/XX/XXXX, when I initially applied in XXXX. I 've paid {$1000.00} so far and am expected to pay {$700.00} more dollars this month alone. This whole thing is incredibly wrong and I ca n't believe I am involved in such a situation. I hope these thieves are stopped ASAP! Please Help!
Product: Credit card or prepaid card

Closed my account XX/XX/15. Entire balance is starting from a membership fee that was assessed. Membership fee waived due to the account being closed. That is a 30 day cycle where the account does not have a balance. Therefore no fees should be assessed. The balance on the account is invalid and almost feels like fraud. I was told XXXX year I wouldn't get a fee anymore and then once I get XXXX it doesn't get paid bc I am not expecting it and now once I close the account you can't waive the fees. On top of that I asked for my complaint to be escalated and to call be back and I was not called back which is why additional fee assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was a fraud account when my identity was stolen and it was removed. Now the reporting agencies continue to report this unknown account to my credit report under different names and dropping my XXXX XXXX points each time! This is a fraud account, please make them stop! It is affecting my life! Now they call themselves Midland Management.
Product: Bank account or service

I have recently had direct deposits delayed into my account by 23hours 59 minutes. I am concerned that Regions Bank is pulling the same scam that XXXX was. Why not? nobody goes to jail. Small fine. good scam.
Product: Mortgage

My mortgage company is holding 6 of my monthly payments in their Suspense Balance. I have paid my payments on time and always have, I also try to be at least one month ahead. 
So far I have not been charged any late fees but at the same time my payments have not been credited in timely manner. I can not help but think that this allows the mortgage company to collect interest and pad their pockets at my expense. 
Because of being scammed and hacked I had to file bankruptcy. My house is not included in the bankruptcy and the mortgage company refuses to talk with me to clear this up. They hide behind the bankruptcy excuse. 
Up until now Rocket Mortgage has been wonderful to work with, not anymore! 
I feel that I am being treated very unfairly. I am happy to provide documentation and explain in more detail what has been going on but based on the parameters stated above it would require much more detailed explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I observed that XXXX  XXXX  are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there are inquires from several companies I did not initiate, request and/or conduct any business with these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently looked at my credit report and saw that I had a debt in collections. I would have immediately paid this debt if I had known about it but have never received a notification of it. It was a {$110.00} medical bill that I have since called the hospital about and paid it since it was still in their system, but this debt has negatively affected my otherwise spotless credit report. I need to know where the communications about this debt were going because they were not going to any of my residences since the debt went to the collection agency. 

This debt has been on my credit report since 2012. I have not been contacted about it since.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few Inquiries on my credit report that I did not authorized, I do not know how these inquiries ended up showing on my credit report. The first inquiry is from XXXX XXXX with an inquiry date of XX/XX/2019, the next inquiry is from XXXX XXXX XXXX with an inquiry date of XX/XX/2019, the third inquiry is from XXXX XXXX with an inquiry date of XX/XX/2019, and the fourth inquiry is from XXXX XXXX with an inquiry date of XX/XX/2019. Delete these inquiries because there is no permisible purpose and if there is I would like for Experian to provide me with it, according to the FCRA my signature is needed in order for my credit to be pulled.
Product: Debt collection

An account that does not belong to me appears on my credit report, I have asked them to prove that the debt belongs to me and they have not answered me, I have disputed with the CRA agencies but they only indicate that the debt is verified ; I have called IQ DATA to tell them that they are making a mistake, but they have ignored it. In my last communication, they only asked me for the amount that I was willing to pay to solve this, I have informed them that they are confusing the person and continue to insist that we must reach an economic settlement. I have asked them for proof that the debt is mine and they have never provided it to me. When I call them and give them my information, they refer me to one person or another because it is not easy for them to locate the alleged debt until they contact XXXX XXXX XXXX and he tells me that the only way to solve this is by coming to a payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX credit card account as a authorized user was removed from my credit report. But the hard inquiry from XXXX XXXX XXXX XXXX XXXX was not removed. The credit company stated that the authorized user did a dispute in reference to this account and the tradeline/ account was removed due to that. Even though this was a mistake done by the credit bureau. I have accepted their response from the prior dispute. But am requesting for the ( hard inquiry ) on my Equifax credit report, to be removed as well. Just as the account was removed by XXXX XXXX credit card services as well. Its only fair since the account was removed. The hard inquiry needs to be removed as well or send a request to each credit bureaus as before for the tradeline of this account, to be reported back as the authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized. I applied for 2 vehicles and the 2 banks that I gave my personal information to, forwarded my personal information to other banks without my consent. Since that time, my credit report has been run numerous times without my permission. And in cases where I did give permission, they ran it repeatedly without my permission. These false inquiries need to be removed from my credit report. They are all listed below : INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX   XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX O INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX/XXXX XXXX XXXX XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX/XXXX XXXX
Product: Credit card or prepaid card

America first is marking accounts as past due when payments have been made each month on the credit card. Sometimes multiple payments in each month and it will still show Im past due. I have contacted the bank six months in a row with concerns because if I dont they will charge me a {$35.00} late fee if I fail to call and make them fix their mistake. I get paid once per month and pay all my bills immediately. If additional money remains I will make additional payments through the month. Regardless of when Im making these payments it is still coming up as past due. This is effecting my credit score with past due constantly showing on my account and definitely not okay when they keep telling me to just make my payments later in the month which allows them to collect more interest. I feel this is clearly theft from their customers and absolutely effects me and Im sure many others with this issue they are having in their systems not correctly updating payments. I do have screen shots of all my payments as well as the past due banners on my account that shouldnt be there at all. Including one showing the banner as well as the clear payment made within that month. Please contact me with any further questions you have regarding this situation and I will gladly answer them so that we can solve this for all America First customers since I can not possibly be the only one dealing with this. I question how many have been over charged the {$35.00} and dont even realize it.
Product: Debt collection

Contacted XXXX XXXX company around XXXX2017 getting more information on the debt they say I owe. According to their records the account is no longer in their system. I then received a letter from The Receivable Management on XXXX XXXX XXXX XXXX, PA XXXX after I requested the debt to be verify. I show they are requesting payment but are not licensed in the state of Florida.
Product: Credit reporting

XXXX Bless,,, ,Im very concern about these medical bills that has my life a bit sour .... Iam XXXX,,, I 'm on XXXX/ XXXX ... .Before I became XXXX..I was on XXXX..Please overlook at this problem, I am trying to fix my credit, it is very hard when my income is counted for to pay my rent, vehicle, insurance, utilities, my child 's school,,,, such a small amount I recieve monthly,,,,, Please bare with me and consider removing those from my record,,,,, also for the XXXX I sent them the boxes two years ago,,,, and as of XXXX,, I have XXXX and I am paying faithfully every month,,,, my van 2004 XXXX XXXX XXXX,,, Iam the cosigner, my father is the XXXX signer,, though I am the XXXX paying the auto loan XXXX faithfully for the past 3 years it is not fair that I do not receive any kind of credit! please consider ... ..Thank you great fully and sincerely!! Hope to hear from you soon!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$7900.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$8100.00XXXX XXXX  Date Opened XX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I contact ECSI on XX/XX/XXXX to pay off my XXXX XXXX XXXX loan. The representative was extremely rude to me and hung up in my face when I was asking her what other information she needed from me, after she took my payment details. She also did not provide me with any sort of email confirmation, which I requested. I heard noise in her background and now I am assuming she may have leaked my checking account and routing number to whoever was listening in her background.