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

On XX/XX/2019, I received a bill from Macy 's informing me that I was past due 90 days. I called them and they told me that they had sent the bills to my address, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I did not receive any of the bills they claimed to have sent me. I took care of the bill ( including late fees, which brought the bill to three times what I spent on the credit card ) during the same call and thought everything was okay. I checked my credit report and found that Macy 's and/or their servicer, Citibank, reported me to the credit bureaus. I called Macy 's back and asked again where they sent me the bills. They told me that they sent me the bills electronically to my email address as I had agreed to receive electronic bill. I never agreed to receive electronic bills to my email address. I checked my email account and I did not receive any bills from Macy 's. They also said they called me about the bill. When I asked them what phone number they called they said they called XXXX, which is a landline where I used to live in XXXX more than 9 years ago. By the way, I had provided them with my cellphone number, but they never called me on my cellphone number. So, Macy 's charged me late fees and reported me to the Credit Bureaus for bills I did not know I had. Prior to this issue with Macy 's, I was always on time with all of my bills. The only reason I wasn't on time with Macy 's bill is because I did not know of the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the credit bureaus to remove The XXXX XXXX Bank. I have no clue who this belongs to. I have never received any mail or anything from them and the credit reporting agency protects them. They treat me like Im lying, because they always protect them to remain on my credit report. Ive tried time and time again to get it removed. There was never any purchase or anything so I dont understand why they are determined to keep fraud credit off peoples reports. But instead they only listen to the business not the consumer.
Product: Mortgage

The lender did not send me any information to explore loss mitigation options. I am requesting a postponement of the auction of 60 days so I can sell my home.
Product: Debt collection

I am receiving numerous robocalls daily asking for a person who is not known to me. I have received 31 calls in the last 20 days ranging between XXXX and XXXX. It is very annoying. The caller ID shows Navient at XXXX which I believe is a debt collector. The calls are recorded messages. 

I wish this to stop.
Product: Mortgage

My husband & I started the refinance process in XX/XX/2020 with Amerisave. We paid the {$500.00} application fee immediately to start the process -- - We started the process with XXXX XXXX he was pleasant and quick to respond. We got all information to him and he moved us to XXXX XXXX ( processor ) since late XXXX of 2020. We have submitted our banking info 3 times because it is expiring because the process is taking so long. My credit has been run 2 times ( the 2nd time I got an email from XXXX asking to re do it and I said i would prefer not to- but it done by someone anyway. The appraiser has been out as of today 4 times because the process has taken so long. I can never get honest or transparent information from XXXX XXXX and she always blames the underwriter or someone else- it was the appraisers fault today that we are needed another appraisal. XXXX for a refinance is absurd. We have been so patient but are exhausted and so very frustrated and sad that during a pandemic I have had to welcome a stranger in my home 3/4 times for appraisals.
Product: Debt collection

I went to my XXXX for some testing I had full coverage insurance at the time. 
I paid the remainder balances my insurance didn't cover for every visit. 
I was then informed that I needed additional testing at the cost of {$500.00} for an at-home test to XXXX XXXX XXXX XXXX. I agreed to the price and went ahead with the test. 
I waited for the results and never heard back from the Dr . I called for the results and never got a return phone call. I then posted a negative review of the doctor 's practice on XXXX  reviews. a month later I received a bill from the doctor 's office for over {$5000.00} for an at-home XXXX XXXX that I was told would be {$500.00} and I also never received the results. 
my insurance company was never billed for this either I'm assuming that would be insurance fraud and that's why they were never billed. now I have received calls and letters from collection agencies for this fraudulent billing. i really could use your help please XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio recovery calls me about 10 times A-day from different numbers. Every time I tell them the item has been deleted and they still blow my phone up
Product: Credit card or prepaid card

Chase let a fraudulent company charge my credit card account with a membership fees they did not have the right to charge, because this organization did not provide me service, more importantly, I did not provide this organization with my credit card information and I did not give them permission to use my credit card or charge me for this non existence service. 

After this organization charge me a fraudulent fee which affect my balance, my automatic payment was somehow cancelled on this credit card created a late payment fee, though if there was no fraudulent charge in the first place, this would not have happened. Then when I closed this account with chase because they did not help me resolve this problem to my satisfaction, chase report a negative on my credit card account with a delinquent status on a late payment created because they let a fraudulent charge happened on my account without my approval.
Product: Debt collection

I AM BEING CHARGED FOR MEDICAL EXPENSES THAT WAS COVERED THROUGH  XXXX . I HAVE CALLED AND TRIED TO RESOLVE THIS MATTER WITH THE COLLECTION AGENGY AND THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION TO THE CREDIT BUREAUS. COLLECTION BUR  FT WALTON CL AIMS THAT I OWE {$710.00} AND ALL OF MY MEDICAL EXPENSES WERE BEING COVERED BY  XXXX . MY  XXXX  COVERAGE PERIOD WAS   XX/XX/XXXX  THRU- XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Account Number : # XXXX / XXXX XXXX  I have mail several documents requesting validation of XXXX XXXX   requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report. 

Im planning to apply for a VA mortgage loan, and XXXX XXXX account is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
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 USA 1681.

The accounts below have violated mi rights.

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 tem 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 ) ( a ) 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. 
Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

It's my understanding that FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed inaccuracies in some of the listed accounts, and it's causing me some unease.
Product: Credit card or prepaid card

In XX/XX/XXXX I have purchased a computer from XXXX online on the Apple Goldman Sachs Credit card under the promise that I get {$220.00} or 6 % back. I completed the transaction and received the computer. I went to the XXXX XXXX   to purchase an XXXX XXXX support. The XXXX Store Manager told me that since I am a business. If a return the laptop and repurchase it then he will not only give an additional discount, but I will keep the {$220.00} received as part of the promotion. I asked him to verify the information, and he called Goldman Sachs as XXXX XXXX  EST on XX/XX/2020. Goldman Sachs told the XXXX Advisor that the cash back was mine to keep. I have three affidavit notarized witness statement that were also provided to the FTC, FBI and XXXX  Metropolitan Department. I am a victim of fraud here and being forced to pay something I never authorized, agreed upon or charged and it is in accordance with federal law enforcement agencies a crime.
Product: Checking or savings account

Sold my vehicle to XXXX, XXXX deposited a check to my checking account JP MORGAN CHASE BANK on XX/XX/2022 the teller informed me after depositing the check that this check is on hold until XX/XX/2022. I received an email the night of XX/XX/2022 with a letter dated XX/XX/2022 stating I can not use my account and they will be closing it soon. I called immediately was placed on hold for several hours got hung up on and never called back. Once I called requested my account be looked into they said they are reviewing it and i cant do anything about it I would just need to wait it out. I looked at my account on the XXXX and seen my check was in my account then on the XXXX I received a notice my account was closed. I called XXXX and spoke to the accounting department and they informed me that the check cleared from their bank on the XXXX when I first deposited the check. We allegedly got it resolved on Friday XX/XX/XXXX, the woman on the phone informed me my account was approved by a supervisor and give them 1 business day for it to show back up I checked on Monday XX/XX/XXXX still wasnt back active gave it another day Tuesday XX/XX/XXXX still wasnt active so I called Chase again got transferred twice the woman he said was a supervisor and can help me out told me she wasnt a supervisor and couldnt do anything about it but she seen my account was requested to be re opened and no response per their inside notes. It is now XXXX on XX/XX/2022 still waiting for an answer on my account. This has caused all my automatic payment to be returned my work check to be returned and now my bills are past due with late fees and for my payment being returned witch is affecting my credit.
Product: Checking or savings account

There was a corporate debit XXXX XXXX XXXX, XXXX not authorized in the amount of {$2900.00} from my TD bank account on XX/XX/XXXX XXXX transfer thru an ach went to XXXX XXXX . XXXX IDENIFICATION number XXXX on line payment, not done from my initiating TD Bank. I spoke to XXXX customer service XXXX XXXX on XX/XX/XXXX XXXX ; XXXX XXXX est ... merchant she said was an online payment ph # XXXX. 
CONTACTED XXXX XXXX / XXXX XXXX @ XXXX NO SUCCESS I have been trying for one year to retreive funds with no success, from either banks..td and XXXX. NEED HELP! 
ALSO NOTIFIED THE LOCAL POLICE WHO ISSUED XXXX TO BOTH BANKS. 

STILL OUT THE MONEY, THIS IS A CLEAR CASE OF FRAUD THANK YOU! 

XXXX
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 USC 1681c-2 ( a ) ** Dear TransUnion Customer Service , I am writing to demand the immediate blocking and deletion of all fraudulent accounts and inquiries that have appeared on my credit report as a result of identity theft. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) to have all unauthorized information permanently removed from my file.

The fraudulent entries I have identified are as follows : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under federal law, you are required to block this information from my credit report upon confirmation of identity theft and provide written confirmation of its removal. You are also obligated to notify me of the outcome of your investigation, including the evidence used to determine the validity of any reinstated information.

I have included the following documentation to assist with your investigation : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report Your companys negligence has already caused me undue harm, and I will not accept further delays or inadequate responses. If this issue is not resolved promptly, I am prepared to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure that my rights are upheld.

This matter requires your immediate attention. Please provide a written response and confirmation of the actions taken within the legally mandated timeframe. If additional information is required, you may contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your prompt compliance. 
Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit card or prepaid card

I opened an XXXX credit card through US Bank late 2019. In XX/XX/2019 I wrote and mailed a check for the full payment amount to US Bank. I emailed it as early as possible because I wanted the check to clear before XXXX. The check never cleared - it was mailed almost a month prior to the due date - so I called and made a payment over the phone and put a stop payment on my check with my financial institution because I figured the check was lost. 

About 2 weeks later ( 5 weeks total since I mailed the check ) US Bank cashed my check even though I had a stop payment - apparently they changed the name of the entity the check was made out to which allowed them to cash the check even though it had a stop payment. They then charged me a {$25.00} fee because I  requested them to refund back the payment amount - they had double my payment ( the original check + the phone payment ). 

I did nothing except pay my bill on time and I found myself paying a {$25.00} fee. I submitted an appeal and never heard back from the appeal. Finally I closed my account to avoid dealing with US Bank any longer.
Product: Checking or savings account

Deposited a {$13000.00} check to a checking account. The bank on the check confirmed the money cleared and they sent it to ally. They also confirmed with Ally the check was good. We transferred some of the check to pay bills and Ally cancelled the transfer, kicked the money back, locked the account, blocked access, and transferred the entire thing to lost prevention. 

The people in loss prevention are the most rude, obnoxious, disrespectful people I have EVER, EVER dealt with in ANY business. I've been an Ally customer for over 5 years and now. It's been over a month. 

I want my money and the interest we are missing out on each day Ally keeps it. I've spoke with and tried to work with Ally but employees refuse to transfer me to a supervisor to get some insight, to work on this issue, and file complaints. 

XXXX
Product: Credit card

Midland credit took over two of my credit cards that I tried to tell them the amount was wrong. They were going to take me to court even though they knew Im on XXXX. I worked out a payment plan and even though I had already had my first payment taken out they still went to court and got a judgment against me. After all of that Ive had two months payments taken out and on my report theyre saying no payments made. They want me to email them abd say I do drop the dispute. Then they will help me but only after I put it writing to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Rolling XXXX XXXX XXXX 
XXXX, TX. XXXX XXXX XXXX. XXXX XX/XX/year> XXXX I am requesting a current copy of my credit report and that you remove any and all freezes or Fraud Alerts on my report. 
Under the FCRA I am allowed to get a free copy of my credit report every seven days. 


Disputed item : I have never lived at XXXX XXXX XXXX XXXX XXXX, IL. XXXX and under the FCRA you can not just state that because an account shows that address that you are leaving the address on my credit report you must do independent research and provide me with the type of research you did and the outcome. 

I have no problem filing a complaint with the CFPB and filing a lawsuit under section 1681n. Civil liability for willful noncompliance of the FCRA. 



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

Last year, XXXX, I became aware of a negative item from JPMCB Card Services appearing on my credit report with all three major credit reporting services. An account with JPMCB was allegedly defaulted in XXXX and charged off shortly thereafter. I filed a dispute with each and the item was allegedly verified by JPMCB. I then wrote JPMCB on XX/XX/XXXX, requesting they validate item under the FRCA by providing competent evidence bearing my signature or other item stating that I have or ever had a contractual obligation to them. I received two letters from JPMCB dated XX/XX/XXXX. Each letter was from customer service and bore no name or signature. One letter contained only a copy of statement purportedly from the period XXXX-XX/XX/XXXX. Letter 2 contained only a copy of a purported statement from XX/XX/XXXX-XX/XX/XXXX, with no explanation of any kind. These statements were 15 years old. It appears obvious they have nothing bearing  my signature or anything to show a contract and they are obfuscating that fact with only these very outdated statements.
Product: Debt collection

XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan number XXXX XXXX XXXX I have been disputing this organizations errors sinceXX/XX/XXXX. They obviously do not know how to properly account for monies sent to them and claim total ignorance of their own procedures. I received a statement datedXX/XX/XXXX showing my payment were up to date and that my next payment was due on XX/XX/XXXX. This corresponds to my records. On XX/XX/XXXX XXXX reversed TWO months of payments resulting in my payments forXX/XX/XXXX and XX/XX/XXXX being past due! I received no explanation and no one at XXXX could explain why nor who the money was paid to! XXXX has also tarnished my credit rating due to other errors made by them.

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

I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2018 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.