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

Good Morning, My Name is XXXX XXXX. I been having a problem with Macys due to a cashiers check. I took out a consolidated loan from Credit Union back in XXXX of XXXX one of the checks i received was for Macys in the amount of {$310.00}. I went to the actual store in XXXX Tx to give them the check in which they took ad also received a receipt stating the payment was received. Within a couple of weeks the credit posted to my account, i later verified that the payment was place back on my account. When i called the agent on the line advised me that no payment was ever made so they made me send over proof. I was able to get proof from my bank and had that sent over to them. I waited a while before calling back again and they advised me the information sent over wasnt enough proof so we sent over the actual check where it was showing cashed front and back. They told me to wait for someone to call me but they never did. This was going on for months. It has already been over year dealing with Macys and nothing has been resolved they just keep sending me back to the bank. I spoke with multiple supervisors and managers and no one was able to assist further. I spoke with Credit Union and they gave me a letter head stating that the check was cashed on XX/XX/XXXX, i sent proof of the check front and back and also of the letter in XX/XX/XXXX we just called Macys again since we never received a call about the information we sent and got to peak with an agent in which we escalated to a supervisor due to the timeframe. We spoke with XXXX ID # XXXX Who was very RUDE. Kept speaking over me, and by shutting me up she placed me on hold for over 15 minutes. My wife took over the phone and asked to speak with someone above her and kept denying her the right to speak with someone else and was getting an attitude. When we advised we were going to place a complaint she said its fine like she didnt care. We have been dealing with Macys for over a year with sending multiple proof/calling more than 15 to 20 times to try and get a resolution since were not only paying for interest with Macys but also interest from our bank. I been patient enough for one year and been dealing with alot from them including twice now they are saying i am past due when i am not since the payment was made and the check was cashed. Not only do i like to place a complaint, but i feel that i should be rewarded for the incompetency of the company not willing to assist me when i been a client for multiple years, but also for my time of all the calls i have made, all the faxing and all the fees, and interest i was being charged for.
Product: Student loan

I am on income based repayment ( IBR ) with a payment of {$190.00} per month. There was a one month delay in re-certifying my IBR payment so my monthly payment went to {$490.00}, about 2.5 times a normal monthly payment as defined by my income guidelines. I have asked to deffer/forbear or any other type of relief in regards to the one month payment of {$500.00}. I have been told I can not and must pay the {$500.00} in addition to my monthly payments or default ( over {$700.00} ). I have been making IBR payments for 10 years and now I risk on defaulting because of the additional {$500.00}. please help. 
My servicer is Nelnet
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name XXXX and XXXX XXXX, I have never borrow money from them or applied to 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 have 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
Product: Credit reporting or other personal consumer reports

This is the third time this year that Experian has dramatically dropped points off of my credit score ( XXXX points ) when I have no late payments, no credit card balances, no missed payments. Please fix this unfair scoring immediately. 3 times this has happened this year and no one can tell me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed credit inquiries and they keep deleted them and putting them back on my 3 bureau credit report.
Product: Credit reporting or other personal consumer reports

For the past few months, these accounts have been appearing on my credit report, causing constant stress. Im asking you to please verify if these accounts are really mine. These mistakes have damaged my credit score and cost me financial opportunities, which has held me back from pursuing my dreams.
Product: Credit reporting or other personal consumer reports

Ii sent a letter to Experian to remove debt from my credit report that companies cancelled the dest and sent a 1099 C cancellation of debt. Experian has violated my consumer rights by not removing the debt from my credit report. Experian has not rincreased my credit report score after I sent them notification of the cancellation of debt documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this matter from since XX/XX/2020. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has placed an hard inquiry on my credit report that should not be on my report. I have spoken to both Equifax and XXXX XXXX on multiple occasions about this matter. They both have given me the round around, and willfully neglected to follow through their promises to get the matter resolved and get the item deleted from my account. As per requested by Equifax, I have also sent a notarized affidavit that the item was not my item, and they refuse to follow through with said information. I was told by multiple representatives at XXXX XXXX that they will be communicating with Equifax about said matter, however they have delayed and not reported the inaccuracy of the inquiry as of XX/XX/2020. Equifax is willfully closing my disputes and ignoring any written legal documentation.
Product: Debt collection

I have been having numerous calls from Northstar Location services regarding a debt that is not mine. Somehow they obtained my phone number but they are calling about a debt that belongs to someone else. They have not mailed me any information regarding a debt owed. My guess is that it is for someone else with the same last name but they have been unwilling to research that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report several inaccuracies on my credit report with Equifax. I contacted Equifax on XX/XX/XXXX to address these issues, but to date, I have not received any response. The incorrect information on my credit report is as follows : The account XXXX  XXXX  ( Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} ) was never late. Please update my credit report to reflect this accurate information. 

I have never had an account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6000.00} ). Please remove this account from my credit report. 

I have never had an account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} ). Please remove this account from my credit report. 

I have never had an account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2500.00} ). Please remove this account from my credit report.
Product: Checking or savings account

Claim XXXX Wells Fargo XXXX wellsfargo card claims said I authorized billing charges on my card when I didnt. The car rental was presented the card for insurance to drive the rental car not for billing. They where suppose to charge the dealership under their warranty account as they work on my car. Wellsfargo wont reverse the charges even though the charges were supposed to be charged to the dealership.
Product: Debt collection

Not familiar with this company, never did business with them. They are in breach of contract and in breach of privity of contract, the XXXX XXXX XXXX XXXX, having access to my non public personal information which consent was never given. Spoke to supervisor XXXX XXXX she stated they purchased account from XXXX XXXX XXXX, which I am not familiar with this entity. Never received debt notification!! Neither entity sent verification that they purchased the debt and transferred the account to their entity.
Product: Debt collection

I'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the Pro Collect Collection Agency due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.
Product: Credit card or prepaid card

Six years ago I reported errant charges to my Steinmart Credit Card account ( administered by Synchrony Bank ), after receiving my monthly statement ( XX/XX/XXXX ). My account was closed, a new one was opened and a new card sent. For the past 5+ years, I have received monthly statements showing the disputed amount as " payment not required ''. Each time I spoke to a representative of the company I was assured that I did not have to pay the disputed amount, so " don't worry about it ''. Last month ( XX/XX/XXXX ) a minimum amount ( {$28.00} ) of the disputed was suddenly due. I spoke to 12 different representatives from 4 different departments, as I was tranfered multiple times. The hour and a half call ended with a gentleman named XXXX in Investigations. He told me that I would receive a letter within 7-10 business days and a credit within 48 hours. That never occurred. Additionally, today I received a call from a representative of the Synchrony Bank collection department, who after hearing my 6-year tribulation, and reading all the notes left by numerous persons within Synchrony Bank XXXX and after making several calls herself, told me to call the XXXX XXXX XXXX XXXX The collection department representative stated that my account balance was now " double '' what it was plus interest and late fees, which she removed, because the last account was closed but never " zeroed '' so the balance carried over, plus the balance was added to the new account. She also advised me that would only work for one month, and lodged a complaint on my behalf. I have almost 6 years of statements, names/dates of most of the people at Synchrony with whom I have had contact, as well as letters to/from Synchrony. I WOULD BE EXTREMELY GRATEFUL IF YOU COULD HELP ME END THIS 6-YEAR NIGHTMARE!!!
Product: Credit reporting or other personal consumer reports

Experian reports FRAUD information and I tried to start dispute several times but they denied. I don't receive anything from them. My rights are violated! These items do not belong to me. it is FRAUD and Identity Theft. 

ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

*THIS IS NOT A DUPLICATE COMPLAINT* *THIS COMPLAINT IS IN RESPONSE TO COMPLAINT # XXXX I am writing to request debt validation for the account number XXXX, which your company, XXXX XXXX XXXX, acquired from XXXX XXXXXXXX XXXX XXXX XXXX  with balances of {$1200.00} & {$240.00}. As the account holder, XXXX XXXX, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

To ensure the accuracy of the debt, I kindly request the following information and documents : 1. Copies of all statements and invoices associated with the account, including a detailed breakdown of charges, interest, and fees.

2. Proof of the original agreement between XXXX XXXX XXXX XXXX XXXX and myself, XXXX XXXX, establishing my liability for the debt. 
3. Verification of XXXX XXXX XXXX ' license to collect debts in [ insert your state ]. 

Please provide the requested validation within 30 days, as mandated by the FDCPA. Until the requested information is received, I expect all collection activities and credit reporting pertaining to this debt to be suspended. 

Kindly respond to this request in writing and use written communication for any future correspondence regarding this matter. 

Thank you for your prompt attention to this request. I look forward to your timely response and the provision of the requested documentation.
Product: Debt collection

In accordance with the guidelines established by the Fair Credit Reporting Act ( FCRA ), a vital legal framework designed to protect the rights of American consumers pertaining to credit bureaus, I hereby initiate a formal dispute regarding the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has come to my attention that the reported account status, specifically the " Pays Account as Agreed '' designation, does not accurately correspond with the original balance and payments made. Furthermore, the " Paid Off '' percentage appears to be inconsistent with the reported balance and payments. 

I would like to remind Equifax of the provisions outlined under the FCRA, specifically : 15 U.S.C 1681 Section 602 A : This section emphasizes my right to privacy and underscores the importance of accurate credit reporting.

15 U.S.C 1681 Section 604 A Section 2 : This clause emphasizes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This section highlights that a debt collector is prohibited from communicating with a consumer in connection with debt collection without my prior consent or the express permission of a court of competent jurisdiction. 
In light of the aforementioned laws and the inconsistencies in the reporting of this account, I am requesting an immediate resolution to this matter. I kindly request that Equifax takes the necessary steps to rectify the inaccuracies in the account 's reporting and ensures that my right to privacy is upheld. 

Furthermore, I want to assert my right to end all communication tactics related to this account. I expect that no further communication attempts will be made by any parties involved, including debt collectors.

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your diligent efforts in addressing this dispute and ensuring accurate and equitable credit reporting. Thank you for your cooperation and adherence to the principles outlined in the FCRA.
Product: Checking or savings account

Citibank account holder ( the XXXX ) passed way in XX/XX/XXXX. At the time of XXXX the XXXX was a citizen and resident of XXXX. The XXXX maintained 2 accounts ( the " Accounts '' ) with Citibank for the benefit of his cousin ( the Beneficiary ). The Beneficiary is a Citizen and Resident of XXXX. The executor and the beneficiary have been trying since XX/XX/XXXX to get balance and accounting information and closure for the Accounts.. Citibank has imposed shifting requirements on the closure of the Accounts. Citibank has refused to provide the information or close the Accounts. 

Chronology of Events is as follows : XX/XX/XXXX - Executor sends notice of Appointment as Executor of XXXX XXXX XXXX. 

XX/XX/XXXX - In response to Executor 's letter requesting accounting and closure of Accounts, Citbank instructs that a certified copy of a XXXX certificate and notarized letter of instruction from Beneficiary is first required in order to close the accounts. 

XX/XX/XXXX - Executor provides Citibank with among other things ( 1 ) a certified copy of XXXX  Certificate ; ( 2 ) a notarized letter of instruction from Beneficiary instructing Citibank to close the accounts and remit funds to the Executor. 

XX/XX/XXXX - In correspondence Citibank advises that all documents must be in English translation and must include attestation from U.S. Consulate, Embassy, or Apostille. For the first time, Citibank informs Beneficiary that a Federal Transfer Certificate ( FTC ) will need to be completed. Citbank provides a telephone number but no one calls back after messages are left. 

XX/XX/XXXX - Citibank is provided with English translation and certification with Apostille of the following : 1. XXXX certificate of XXXX, 2. Notarized letter of instruction from XXXX. An FTC was not completed for the following reasons : 1. FTC requires the disclosure of account balances being transferred. To date, Citibank has refused to provide this information, making completion of the certificate IMPOSSIBLE. 2. Funds held by XXXX for the benefit of Beneficiary were never property of XXXX 's estate, but belong to Beneficiary, XXXX. Completion of FTC is not required for property administered by an Executor.
Product: Mortgage

I filed a bankruptcy in XX/XX/XXXX My mortgage orginated in XX/XX/XXXX and I have made payments consistently from the origination, through the bankruptcy and to date.

Wells Fargo claims they can not report my payments or mortgage as my loan was not " reaffirmed ''. My bankruptcy lawyer says it was Wells Fargos decision and that they often do this to clients.
Product: Credit card or prepaid card

Today on XX/XX/2022 I logged in to my XXXX XXXXXXXX account to accept a offer I received in the mail for a increased credit amount on a new credit card, as I was reading the many options XXXX XXXX  has to help with shopping managing my account ect..I clicked to register for automatic credit report monitoring by XXXX  XXXX, also I was curious what was my new score than qualified me for a higher credit limit...

Now when I see my credit score it went down alot in Just a few days ... I felt something must be wrong.. 
XXXX XXXX was able to show me any debts or accounts I have or have had.. 
I never had or have an American express card .FURTHERMORE, NONE OF TGE DEBTS IM SEEING ON MY REPORT WERE CREATED OR DONE BY ME..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau and creditor regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Checking or savings account

I RECEIVED MONTHLY STATEMENT REGARDING MY XXXX ACCOUNT & I FOUND THEY DID NOT ADD MONTHLY INTEREST IN THIS ACCOUNT. THE CUSTOMER SERVICE OF THIS BANK WAS VERY BAD. THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. I THINK THIS IS FRAUD THAT THEY DID NOT PAY INTEREST IN MY ACCOUNT.
Product: Checking or savings account

I received a response to my last complaint about Capitol One not mailing me a check for what should be the correct closing balance but the response pretty much does not address anything in the previous complaint. Capitol One has consistently and negligently not been taking seriously with regard to what I've said in my many calls and email to Capitol One. Capitol One still has not addressed what happened to the {$2400.00} XXXX and {$1500.00} which they claim ( in their letter dated XX/XX/24 ) were transferred to an account ending in XXXX on XX/XX/24 and XX/XX/24. I have gone through my mail and I do not see any checks for either of these two amounts or the total of the two amounts. Therefore, I have no other choice but to continue to demand resolution to this matter with a replcement check ( if one was somehow already mailed out ) totalling the amount of these two figures. I've asked XXXX ( whose name is on this letter dated XX/XX/24 ) to call me mutliple times and she has not returned my calls. I've also sent multiple secure emails in response to the secure emails I've received at XXXX, requesting a call to get clarity about what's happned ( if anything ) to any checks that were mailed out if they were mailed out. Capital One continues to not address this matter by calling me, making it more difficult to get any resolution to this matter. If this continues, I have no other choice but to pursue legal action against Capitol One and will seek damages far in excess of the {$3900.00} I'm owed ( I still haven't verified that that's the correct amount ). Once again, I need someone in the executive office to call me at XXXX to discuss what's happened to the money that was in this account. I can verify myself over the phone. I also maintain that Capitol One has handled this matter in an extremely negligent way and I demand an extra {$200.00} for the hassle this has caused.
Product: Debt collection

XXXX XXXX XXXX XXXX Radius Global Solutions, XXXX, reported an unpaid balance to my credit without unexplained amount owed in the amount of {$310.00} back on XX/XX/2020 reported to my credit, I have tried to work with XXXX XXXX XXXX to provide me details of the amount owed, but they refused & keep ending calls & keep forwarding me to " Radius Global Solutions ''. I requested proof of the amount owed they never sent me for almost 2 years until I filed a dispute. no explanation just I own {$310.00} & the service I have was Internet XXXX with a XXXX for a XXXX weeks trial. but no other reason for the balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Adjustment Company is reporting on my credit reports that I owe money to Advance America, {$250.00}. I have never received a phone call nor a letter from either the collector or AA. The collector told me the loan was taken out XX/XX/XXXX at XXXX # XXXX. I called AA corporate office and spoke with XXXX and she said there is no loan, nor has there ever been a loan taken out from me from any store. I applied, but did not receive the loan. I was denied a loan. In XXXX I was living in XXXX XXXX, SD. Store XXXX is in XXXX XXXX, SD. I haven't been to XXXX XXXX, SD in literally decades. The biggest part of this is that AA confirmed that due to the law changing surrounding the interest rates being capped in South Dakota, AA stopped doing business in South Dakota as a whole in XXXX. If they stopped doing business in South Dakota in XXXX, how could I have taken out a loan from a South Dakota store in XXXX? The collector also told me that AA wouldn't be able to find me in their system without an account number, which they never even gave to me. When I spoke with XXXX at AA, she said that's a boldface lie and that they keep records for up to 15 years. Another interesting fact is that the collection company also said they took over another loan from AA in the amount of {$750.00} ( or so ) and I have since been able to remove that from my credit report by myself. Now this one popped up. I am so angry and trying to clean up my credit and they keep putting things on my credit reports!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i called Agency called Reporting agecncies and let them know This Need be Removed from Report According too 15 U.S. CODE 1681A2B and 18 U.S.C AND 1028A.