23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an account with Macy 's that is XXXX balance. I received an email today that said I had a statement. I called Macy 's and told them that I could not get into my account and that I do not owe Macy 's any money and why I was receiving an email statement. I was transferred to the Citi Bank Recovery Unit, which said I had a balance, but they could not discuss it with me since I could not give the date that my account was opened. I opened my email and gave them my account number and that I have a XXXX balance. They refused to speak with me regarding my account. I called Macy 's again to complain, and they said that I had to talk to Citi Bank 's internal recovery unit regarding my account. I told them that I wanted to file a complaint, but I was told that I had to resolve it with them. Then I was transferred to XXXX, who said he was checking my account. He stated that I owed {$1500.00}. I asked him where these charges stemmed from, and he said that he could not give me that information but that I should fax a letter to them stating that I do not owe any money and that they would take thirty ( 30 ) days to investigate. I am XXXX XXXX XXXX XXXX XXXX survivor, and I currently have lupus. I do not owe Macy 's a dime. I had to contact CFPB about paying off this couch I paid in full to avoid paying the interest, which was {$1500.00}. Macy 's accepted the payment, and there was never any information sent to me regarding the interest. I only found out about this today, and I am sick that they can do this, and this is happening to me when I had no idea what they were even talking about. The account number I listed is for my regular credit card which has a XXXX balance and a {$5500.00} credit limit. I do not have the furniture account number that this complaint is about. 
Thank you for helping me this information should be in a file from Macy 's before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have other XXXX XXXX credit cards. I applied for onXXXX with XXXX XXXX and thought that I may qualify for a card. However, I was denied the card and the letter said that my credit score was incredibly low at XXXX, which I know is not correct at all. Additionally, XXXX XXXX improperly stated that I have too many serious derogatory items, of which I don't have any derogatory items. I don't think it is fair that a company can IMPROPERLY note or share that my credit is XXXX, inaccurate and it looks like they may have someone altogether. i can provide a credit report and it definitely doesn't show any of the aformentioned, while this company improperly shares my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a credit builder plus loan from money lion. This loan requires that you pay back a set amount and when the final payment is met. You will have all the money you put into the credit reserve fund send back to you. Money lion have said they have a very high priority ticket open to solve this. I have been told various time frames in which the money would be repaid to me. I still can not get an update on it. They act like the team responsible is XXXX XXXXXXXX XXXX XXXX, and I can not talk to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against LVNV Funding for failing to validate a debt and for inaccuracies in reporting on my credit report. Despite my prior dispute, LVNV Funding has neither provided validation of the debt nor corrected the incorrect account open date. 

The account states it was opened in XX/XX/XXXX, which is inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), LVNV Funding has accessed and reported my credit information without proper validation. Additionally, as per the Privacy Act of 1974 and 15 U.S.C. 6802, I have a right to privacy and protection of my personal financial information, which LVNV Funding has disregarded. 

Due to these violations, I request that LVNV Funding validate the debt, correct the inaccuracies, or remove the entry from my report. I also request compensation for the stress and inconvenience caused by this noncompliance. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I have a voluntarily dismissed bankruptcy that I have repeatedly disputed with all 3 credit bureaus. The bankruptcy was filed in error and immediately and voluntarily dismissed. I have listed the inaccuracies below. 

1. All 3 credit bureaus are displaying different case numbers.

2. All 3 credit bureaus are displaying the incorrect case numbers.

3. This has caused me to be declined for multiple credit applications with the most common reason given being '' multiple bankruptcies ''.

4. Two of the bureaus are reflecting a payment date which contradicts my explanation that the bankruptcy was filed in error and immediately dismissed without any payments or hearings. No payment was ever made and no hearings were attended.

It is my right to request inaccurate information be deleted from my account. These inaccuracies have harmed me and are a blatant violation of the Fair Credit Reporting Act. I have attached my pacer report and the public records pages from the 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing this complaint based on the information in my credit files reported by three credit reporting agencies.
I have written to these agencies disputing credibility of the debts alleged in my files.
However, the credit reporting agency have ignored my request for the removal of this files stating that they have verified the authenticity of the debts.
I am frustrated at this point because I dont have any other cause of action and I hope you can help me here.
In XX/XX/XXXX I rented two bedroom apartment from XXXX XXXX XXXX XXXX apartment now re-branded as XXXX XXXX XXXX XXXX on six months contracts. I therefore, Paid 2month rents in advance starting fromXX/XX/XXXX throughXX/XX/XXXX. In my original contract, rent is due on the XXXX through the XXXX of every months. Having paid the two months rents in advance I have not put furniture in the room. I bought several items including windows curtains, refinishing the bathroom at my expenses. On XX/XX/XXXX u
pon my return from XXXX Georgia, my apartment was rented to another tenant, and the lock was changed. I therefore went to the office for clarification and answered, it was then I was told that they inspected the apartment because there was no furniture in the apartment they presumed that I have abandoned the apartment.
I cant stomach the situation, it was then they told me that they have another room for me. I disagreement with that arrangement and told them that I will move on to look for another apartment somewhere, it was then they threaten to report it to credit reporting agencies.
Because I was out of the country I couldnt pursued legal action, and having repeated written to credit agencies to remove the files and they ignored I have no further remedy and I hope you can help me here. XXXX XXXX XXXX seem to have purchase the debt without been told the root of this deceptive and fraudulent debt reporting.
I dont understand what constitute a {$3000.00} and {$1000.00} alleged debt reported in my credit files.
<P/>
Please I need it removed immediately.
Thanks
Product: Credit reporting or other personal consumer reports

I have disputed this account numerous times with all ( 3 ) Credit Reporting Agencies. It is reported by XXXX XXXX that in XXXX, XXXX, XXXX, XXXX of XXXX the payments were 30plus days late. I have called GM Financial Numerous times to only be told an account with my Social Security number, Vehicle ID Number, Name, birthdate - does not exist in their system and does not exist in their archives. I even called today : I called XXXX XXXX on the phone number listed on their website ( XX/XX/XXXX at XXXX XXXX ) - I was asked for my Name, Phone number, Vehicle ID Number and my Social Security number and nothing came up. They asked me to call : XXXX, I spoke to XXXX ( XX/XX/XXXX at XXXX : XXXX XXXX  ) that could not find an account associated with my Name or Social Security number and she asked me to call : XXXX XXXX. ( XX/XX/XXXX XXXX XXXX I spoke to XXXX XXXX who stated there is NO ACCOUNT OR VEHICLE IN THE SYSTEM TO MATCH MY NAME AND SOCIAL SECURITY NUMBER> DELETE THIS ACCOUNT FROM ALL ( XXXX ) CREDIT REPORTING AGENCIES OR I WILL SUE. I have filed numerous DISPUTES with the Credit reporting agencies only to come back CLOSED AND UPDATED I asked for Debt Validation- NONE EVER GIVEN, I have asked for a PAYMENT HISTORY, THEY CAN NOT FIND IT. I Have been disputing/ contacting for over 6 months as the negative reporting on my credit history has made my credit score suffer and I had to get a higher interest rate on my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted navy federal on XX/XX/XXXX and sent a request to be removed as an authorized user from account. navy federal then promised to have me removed and also for the trade line to be removed from my credit report navy federal never removed the account as promised and this is impacting my credit as this is not my account and I was not liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters sent on XX/XX/2022 describing violations of my consumer rights by credit bureau. There has been no correspondence to the letter.
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS FAILED TO REMOVE THESE INQUIRES I HAVE CALLED AND TALK TO AGENTS THEY TOLD ME IT WILL BE REMOVED AND THEY HAVE FAILED TO REMOVE THEM YET AGAIN!!! I am writing to urgently demand your intervention in a matter that has not only compromised my financial integrity but continues to threaten my legal rights under the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, resulting from the infamous XXXX data breach, which has led to multiple unauthorized inquiries on my credit report. 

Despite my efforts to resolve these issues through the normal channels provided by credit reporting agencies, my situation remains dire and unresolved. This is a formal plea for the CFPB to take immediate action against these violations of my consumer rights. 
Failure of the CFPB to act on this request will not only exacerbate my current predicament but will also compel me to seek further legal recourse at all available venues. This letter serves as a formal notice of these issues and my expectations for a swift resolution. 

I have attached all pertinent documentation to this communication for your review. I expect a formal acknowledgment of this letter and a detailed action plan from the CFPB within five business days. Anything less will be deemed unacceptable and will prompt immediate legal actions. 

Thank you for your immediate attention to this critical issue. I await your prompt response and actions.
Product: Credit card

My chime credit builder card was charged on XXXX and I didnt do it. I looked it up it was sent to California and I live in Florida. It only had my first name on the package. I tried to dispute it twice but they denied it twice saying I made the purchase. XXXX send me a email saying they were suspended the account due to unauthorized activity and I emailed that to chime and I was still denied. The date this happened was XX/XX/XXXX at XXXXXXXX XXXX  for the amount of XXXX. I never made a purchase on XXXX that big. I closed the card and refund to use chime because of this matter.
Product: Credit reporting or other personal consumer reports

I have looked at my credit and and I have been disputing these accounts for months. the credit bureaus never sent me anything about these account or where they have come from. They never send anything about their investigation or have they verfied these accounts im disputting. They are not following the FCRA laws with verifying these accounts
Product: Credit card or prepaid card

TO WHO IT MAY CONCERN, OK I HAD A CARD MASTERCARD WITH CITIZENS BANK CARD ENDED IN # XXXX I HAD TO CANCEL THIS CARD MANY MONTHS AGO SO MORE CHARGES WOULD NOT OR COULD NOT BE MADE THERE ARE CHARGES FROM XX/XX/2020 FOR ITEMS I NEVER GOT AUTHORIZED OR RECEIVED THE COMPANY USES XXXX FAKE NAMES NO VALID EMAILS NO VALID PHONE NUMBERS ONE IS NAME LEAFY CLOVER THERES TONS OF BBB COMPLAINTS ON THEM I WAS TOLD BY THE LADY THAT HANDLED MY CASE IN FLORID, ALSO CHARGES WERE MADE BY A NAME XXXX XXXX FROM XXXX XXXX, BOTH NAMES ARE FAKE BOTH COMPANYS I NEVER AUTHORIZED TO CHARGE MY CARD BOTH ARE FAKE FRAUD SCAM CON ARTISITS, THIS IS FROM XX/XX/2020 TILL NOW. SO THERES 2 CHARGES 1 IS FOR {$89.00} AND ANOTHER NOW MONTHS LATER WITH A DIFFRENNT CARD # I HAD TO GET CAUSE I CANCELLED LONG AGO # XXXX NOW THERE STILL MAKING CHARGES ON MY NEW CARD WICH CITIZENS BANK GAVE THEM THE NEW NUMBER TO CHARGE MY CARD ITS UNREAL I NEVER GOT ZERO MERCHANDISE EVER I WILL NEVER EVER PAY ITS CORONA VIRUS SCAM ITS GOT TO DO WITH FACE MASKS I NEVER EVER GOT OR AUTHORIZED DONT KNOW NAMES OF THE FAKE XXXX COMPANYS I WENT TO BBB FLORIDA, I WENT TO CORONA VIRUS SCAM HOT LINE FOR FRAUD, I WENT TO F.B.I., I WENT TO ATTY. GENERAL, I WENT TO COMSUMER AFFAIRS I DO NOT HAVE THE PAPERS NO MORE CAUSE WHAT HAPPENED IS I GAVE ALL THIS PROOF VIA REGUALR MAIL AND I MADE TONS AND TONS OF CALLS AND I MADE TONS AND TONS OF EMAILS AND THEN AFTER ALL THAT I GOT A LETTER XX/XX/2020 FROM CITIZENS STATING TO ME THAT AFTER ALL REVIEWS AND INVESTIGATION THAT AFTER MAKING THIS CREDIT TEMPORARY THAT AFTER ALL I SUBMITTED THAT NOW I NEVER WOULD HAVE TO PAY THE CHARGES THAT THERE OFF PERMANANT OK GREAT WONDERFUL UNTIL LIKE 2 WEEKS AGO NOW XX/XX/XXXX, II GET ANOTHER LETTER AFTER THE XXXX L ; ETTER SAYING CHARGES ARE OFF AND WILL BE OFF PERMANANT I GET A LETTER XX/XX/2020 STATING THAT NOW THERE UNABLE TO SETTLE THE DISPUTE AFTER THEY DID ION XXXX THERE INSANE MENTAL THEY SAY THAT NOW I HAVE TO PAY THE MERCHANT THEY SAY SAYS THEY DELIVERED MERCHANDISE. THERE INSANE WHAT MERCHANDISE HOW WERE WHEN I GOT NOTHNIG I NEVER EVER GOT OR AUTHORIZED THE MERCHANT IS NOT A MERCHANT ITS A SCAM FRAUD, ALL PHONE NUMBERS ARE FAKE AND NOT VALID ALL EMAILS ARE FAKE NOT VALID AND IF SO WERE THE XXXX A LABEL, WERE THE XXXX TRACKING NUMBERS, WERE THE XXXX PROOF OF A DELIVERY WHEN I GOT NOT A THING WERE AND WHAT MERHCNADISE CAME WITH WHO WITH FED EX WITH UPS WITH REGULAR MAIL, YOU SEE ALL TIMES THINGS ARE ORDERED AND DELIVERED THERES TRACKING NUMBERS I WANT TO SEE PROOF OF TRACKING NUMBERS AND PROOF OF DELIVERY WICH IS IMPOSSIBLE CAUSE ITS A SCAM ANBD I GOT ZERO AND AFTER SAYING IN XXXX AFTER I PROVED IT ALL AND EVEN CANCELLED AND CLOSED DOWN MY CARD ENDING IN # XXXX THEY THEN DECIDE TO TELL ME MY COMPANY CITIZENS THAT I SHOULD PAY YOU MUST MUST TAKE SWIFT ACTION AGAINST THEM ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Bank of america is always giving me a problem on their verification id questions they cancel and hold my card from me without my permission and they do not help me resolve this issue i dont know why they are doing this to people and accessing online is a problem as well because employment development department and bank of america do not have ability to solve issues
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I contacted the XXXX  credit bureau in writing and I asked XXXX  to ask XXXX ( credit reporting company ) to promptly delete their 2 unauthorized inquiries ( dates : XX/XX/XXXX & XX/XX/XXXX ) from my credit file. 

Unfortunately, and as of this present date, Equifax has recently reported that these 2 unauthorized inquiries are still currently reporting on my Equifax credit file. 

***RECORDS ARE AVAILABLE UPON REQUEST*** NOTE : XXXX ( Nissan Motor Acceptance Corporation )
Product: Credit reporting or other personal consumer reports

My correspondence aims to challenge the presence of this bankruptcy entry in my credit report. It's alarming considering I possess a court letter explicitly stating it shouldn't be reported to you. Additionally, the involvement of an unauthorized third party complicates matters further.
Product: Credit reporting or other personal consumer reports

This account was canceled on the following date : ( XXXXXXXX XXXX ). Since then, the account has been updated as canceled every month. This is an update in the payment history. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You did not investigate this account properly, and your negligence has violated my rights. I demand the deletion of the following account : XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I'm contacting you because I've been a victim of identity theft and had to dispute several fraudulent accounts that I first reported back in XXXX. Despite filing these disputes years ago, the accounts were never removed, and I still haven't received any support. This lack of action is completely unacceptable, and I expect this issue to be resolved immediately. Enough is enough. 

Some of these accounts have already been removed from some of my credit reports but still show on the others.
Product: Credit reporting or other personal consumer reports

This is unacceptable. I've repeatedly found errors on my report, and despite my efforts to have them corrected, they keep appearing. These inaccuracies are damaging my credit score and preventing me from accessing the financial opportunities I deserve.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered I am a victim of identity theft. There is an account that was not open by me and this is hindering my ability to purchase a home. I formally dispute these item under Section 605b of the fair credit reporting Act and request their removal. The fraudulent account is listed below XXXX XXXX XXXX XXXX bal. {$1800.00} I request this account to be blocked and removed within four business days, as required by law. I've included proof of identity, an FTC report, and an statement confirming these accounts were unauthorized.
Product: Debt collection

I have disputes this debt numerous times with the three credit bureaus, and also have sent numerous notarized letters to this company, I have never receive a response back, and I get to the point that I can't no longer dispute on the bureau anymore and contacting this company is very frustrating, they have two addresses listed and I've sent numerous notarized letters to both address to let them know that I am disputing this debt because it does not belongs to me, but I never receive a reply from the company. I don't know this company and I have never done any business with them. I have never receive any letters or email or phone calls from this company that put mess up my credit with their fraud collection, I called the hospital they put cause I have not been there, they said they have nothing on me, try to contact the collection agencies, I tried I even put up buying a house for my kids to get this taking care of but no action is taking place on this company part to remove this.
Product: Credit reporting

i have tried online and through the mail to recieve my report from experian and can not get it i have tried on many occasions.
Product: Credit reporting or other personal consumer reports

There are numerous accounts on my credit report that are not accurate, I have XXXX accounts from mortgage companies that are not reporting the right information about my payment history and these accounts are over XXXX and XXXX XXXX XXXX. I also have accounts from collection companies that have never shown me any information where I send paperwork with them agreeing to pay them the debt they claim I owe them. There are charge off accounts that reporting the wrong amount that I actually paid off. The inaccurate information on my credit report is very bad and is holding me back from being able to buy a home and a car. Theres XXXX accounts on my credit report that dont even have any information who i potentially owe money too but theres a collections on my report for them.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. this is my 2nd attempt to dispute all item. ive had alot of issues that needs to get resolved. none of the data listed is legal to be listed on my credit report. please review an remove the requested items asap.