23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX/XXXX/2015 - purchased XXXX items at Macy 's on Macy 's credit card totaling {$100.00} ( only transactions on this card ) XXXX/XXXX/2015 - billing cycle ends. Balance due {$100.00} due XXXX - returned XXXX of the XXXX items to Macy 's . Rec 'd credit of $ XXXX - XXXX/XXXX/2015 made additional purchases/returns on XXXX - returned the XXXX item purchased on XXXX. Rec 'd credit of XXXX ( all XXXX items from the XXXX purchase of XXXX have now been returned with a credit of {$100.00}, comprised of {$67.00} and {$34.00} ) Balance due on NEW purchases in current billing cycle now {$68.00}. 
XXXX/XXXX/2015 - received next statement with a Late Charge of {$25.00}, because the minimum payment of {$25.00} from the XXXX/XXXX/2015 statement with a total balance of {$100.00} was not paid. 
Argument - I am being charged a late fee on the balance for NEW purchases. After arguing ( nicely ) with the billing department ( XXXX ) and her putting me on hold SEVERAL times and consulting with her 'senior associate ', she came back at least XXXX times to tell me why the late payment was due ( not having made a minimum payment ). I continually explained to her, that the minimum payment due was paid via returns of ALL items and thus the late fee is being calculated for not paying a minimum due on CURRENT purchases. 
After XXXX minutes on the phone, and her last consult with the 'senior associate ', she told me that because my purchase was on XXXX/XXXX/2015 and I had a credit on XXXX/XXXX/2015 greater than the minimum purchase, that she would refund the {$25.00} late fee. 
While that is great, I will now pay my balance and likely close this card permanently, it was not refunded for the right reason. I told her that I was happy it would be refunded and asked why it was charged to start with. She said " we do not know ''. 
I have to imagine this violates Reg Z in some way ( APR would be understated for a fee being charged as well as disclosures ). While that 's the regulatory reason, the reputation risk that Macy 's just endured is a loss of business due to employees not understanding the regulatory impact of the credit cards.
Product: Credit card

Ever since XXXX XXXX has joined with the collection agency they have, I have mailed requests, at their instruction to have them stop calling me. I have clearly stated what my circumstances are, asked them for a payment change date and they call beginning at XXXX XXXX and continuing sometimes until almost XXXX, INCLUDING XXXX and XXXX, multiple times a day, sometimes as many as 5 times a day. They are relentless in calling, the representatives are rude and do not complete the tasks they say they will. I have never been treated so poorly in all of my years as a consumer. The online statement varies from what they ask for on the phone. I had the account set up to automatically deduct the minimum payment amount and it took nearly 3 times the amount causing overdraft fees of nearly {$200.00} fees. I have spent no less than 80 hours of my life trying to rectify this matter only to be further frustrated to this date.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$20000.00} XX/XX/XXXX
Product: Debt collection

The debt has a balance of {$1800.00}. I have no knowledge of this debt or who the debt collector is. This debt needs to be deleted off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered the error on my credit report and disputed it through the three credit reporting agencies. However, XXXX has refused me to dispute the error through online portal, and the phone representative informed me the items, such as balance error, are not disputable. XXXX XXXX has taken more than 30 days and the dispute is still under investigation. As well as Equifax, not only has taken more than 30 days, but also didnt change anything from the previous dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U, S. Code 16816 In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX Creditor : XXXX XXXX XXXX Inquiry Date XXXX XXXX I AM REQUESTING UNDER FRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 

Thanking you in advance.
Product: Debt collection

I recieved a letter stating that i owe this debt i called .the people at the agency kept transferring to different departments when i did get a whole of someone im telling them i paid this .they were rude saying i need to pay i told them i have proof. The lady said with a attitude well its not my debt. After i tried and tried to reach out no answer. Im very upset because i settle this through a settlement with Citi bank
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX XX/XX/year> Credit Bureau Name Consumer Financial Protection Bureau Subject : Credit Report Dispute Under FCRA ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Please investigate and correct the following item ( s ) that appear incorrect : Disputed Item ( s ) : Account Name : DEPTEDNELNET Account Number : Unknown Issue : There has been a data breach and my personal information has been leaked i no longer feel comfortable paying this debt I have attached supporting documentation, including screenshots of what information i could gather. Please conduct an investigation and remove the inaccurate information within the 30-day timeframe required by the FCRA.

If you need further details, feel free to contact me at the above-listed phone number or email. Once your investigation is complete, please send me a written confirmation of the results. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX To whom it may concern on XX/XX/2023 I disputed accounts reported by Experian in the file you maintain under mu social security number. 
I was informed on XX/XX/2023 the the items was deleted from my credit report. 
Now I have discovered that the items has been reinserted on my credit report. 
In accordance with the requirement of the FCRA section 661 ( a ) ( 5 ) ( b ) ( ii ) you are required to notify me of the reinsertion in writing within 5 business days. 
I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for you blatant disregard for the law. 
I hereby demand that you immediately deleted the item from mt credit report in order to avoid legal action. I am submitting the complaint separately to the consumer financial protection bureau the Attorney Generals Office, and the XXXX PLEASE GOVERN YOURSELF ACCORDINGLY XXXX XXXX XXXX XXXX XXXX XXXX Cc : CONSUMER FINANCIAL PROTECTION BUREAU Cc : ATTORNEY GENERAL 'S OFFICE Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit card or prepaid card

I am writing today in regards to my account with JPMCB CARD account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Mortgage

I needed a roof in 2022 because my insurance company said they were going to drop me. So I took out a loan and put the roof on myself. After that my monthly mortgage and my insurance payment doubled in price. I have reached out to my mortgage provider Mr. Cooper about this and they are telling me it is the insurance company 's fault and they can not help. I am am XXXX Veteran of over XXXX  years and I have a XXXX  % XXXX. I need help. Please and thank you.
Product: Money transfer, virtual currency, or money service

I deposited {$1000.00} into my Bitcoin Vault on Coinbase on XX/XX/2021 at XXXX AM using my XXXX Bank Account. The status of the deposit was instantly marked completed on this deposit details, but I was required to wait 7 days for my money to be used, traded for other cryptocurrency or sold, which I wasn't happy about but accepted it. During that 7 days, obviously the price had fluctuated. Unfortunately for me, it fluctuated downwards and I lost just over {$100.00}. After the 7 days hold period, and the funds were marked as " available '', I tried moving my funds from my vault account into my regular Bitcoin wallet. At this point, you are not able to use the app to move the funds and you have to do it from their website. I go to their website only to be met by, yet again, another verification hold time limit. To move funds from the vault it states you must verify the move using 2 different email addresses. I submitted the transaction to move all of my funds from my vault into my Bitcoin wallet, verified the transaction on the coinbase website itself by clicking the " Approve Withdrawal '' option, then also approved it through my email. Their website says that after 24 hours the funds will be moved and available for use. That was 7 days ago. Their customer service is virtually non existent, as I have tried calling with no response as well as sent over 25 emails to their support department only to be told that a " specialist '' is now handling my issue and that I will receive an update in 4 to 5 days. That also was over 7 days ago. At this point, my funds are at the mercy of coinbase. I am unable to trade and/or move any of my funds out of the vault and can only watch my money go straight out the window. The only info I have been provided is a case number, which is XXXX # XXXX. MY MONEY HAS BEEN STOLEN BY COINBASE. I am literally at my wits end with Coinbase and their lies and lack of customer service.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX, I requested them to validate the debt and to send me a copy of the original agreement, XXXX refused to send me a copy of the original agreement. I sent them a follow up letter requesting for an opt out as of XX/XX/XXXX of XXXX. I also put them on notice that they are in violation of the Heros Act due to them reporting derogatory marks on my report that occured during the COVID 19 period and informed them that it is having adverse affects on my credit report including preventing me from being able to obtain housing as well as being able to obtain transportation and I requested them to reporting this information. As per the FCRA a federally protected consumer I am now opting out of all and any Authorization. I the consumer revoke my given written, unwritten, verbal, non-verbal consent. I am opting out. date account started XX/XX/XXXX AS per 15 U.S. Code 6805 - Enforcement 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-1 - Identity Theft Prevention - 15 U.S.C. 1681C-2 - Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Act of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the validation and verification of several charge-offs and collections that appear on my credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to request that all information reported on my credit file be accurate, complete, and verifiable. This letter serves as a formal dispute of the following accounts : Accounts in Question : XXXX XXXX XXXX Status : Charge-Off Balance : {$530.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXX ) Status : Charge-Off Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Status : Charge-Off Balance : {$250.00} XXXX XXXX XXXX XXXX Status : Charge-Off Balance : {$160.00} XXXX XXXX XXXX 

Status : Charge-Off Balance : {$550.00} XXXX XXXX XXXX XXXX Status : Collection Balance : {$290.00} XXXX XXXX XXXX Status : Collection Balance : {$850.00} XXXX XXXX XXXX Status : Collection Balance : {$1500.00} XXXXXXXX XXXX XXXX Status : Repossession Balance : {$6500.00} Validation and Verification Requests : Under the FCRA, I request that you investigate and verify the following for each account listed above : Ownership of the Debt : Confirm that the accounts were reported by the original creditor or their authorized representative. 

Provide documentation that links me to the debt, such as original signed agreements or contracts. 

Date of First Delinquency ( DOFD ) : Verify the original DOFD to ensure accurate reporting timelines. Incorrect DOFDs can extend the reporting period unlawfully.

Balance Accuracy : Provide a detailed breakdown of the balance, including principal, interest, late fees, and any additional charges.

Transfer of Debt ( if applicable ) : Confirm that any collections or charge-offs have been legally transferred to third parties and that they have the right to collect or report this debt. 

Compliance with Laws : Ensure the reporting of each account complies with the FCRA, FDCPA, and other applicable laws. 

Account Resolution or Settlements : Confirm that no payments or settlements have been misapplied or omitted from the reporting. 

Supporting Documentation : Provide all documentation used in your verification process, including correspondence from creditors or collection agencies.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes. Particularly in light of the XXXX  lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and and reporting discrepancies, my financial institution and Zelle failed to investigate adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XXXX XXXX, XXXX.
Product: Debt collection

XXXX has sold a debt collection account for an alleged {$120.00} outstanding balance owing from a XX/XX/XXXX cancellation of a XXXX account for my son, but for whom I was the accountholder of record. XXXX, their successors and assigns, absolutely refuse to verify that this is a legitimate debt. XXXX refused to talk to me when I inquired about the debt, since it had been sold to XXXX XXXX XXXX of XXXX, AL. XXXX reported this alleged outstanding debt to the 3 credit reporting agencies, significantly damaging my credit score. I attempted to contact XXXX regarding this debt, they also refused to discuss it, since they had re-sold it to the XXXX XXXX XXXX XXXX XXXX XXXX, also of XXXX, AL. I advised them that I wanted confirmation of the debt from XXXX, which they failed to provide before reselling this alleged debt yet again to Credence Resource Management of XXXX, TX, who also reported it a 2nd time to the 3 credit reporting agencies in XX/XX/XXXX, dropping my credit score yet again. I notified Credence that I was challenging the debt, and provided credit card statements showing payments to XXXX in XX/XX/XXXX and XX/XX/XXXX that should have cleared the outstanding balance. They advised they would contact XXXX for verification of the debt, which to date has not been received. In my opinion, XXXX is in wilful violation of the Fair Debt Collection Practices Act. They are engaged in disreputable credit collection practices in violation of the Act and willfully refuse to provide confirmation of the debt or address it.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep frustration and concern regarding the continued presence of unauthorized inquiries on my credit report, despite multiple attempts to have them removed. This ongoing issue has had a significant impact on my financial privacy and creditworthiness. 

The unauthorized inquiries in question pertain to inaccurate and is still exist in my credit file. Despite my persistent efforts to address and rectify this matter, these unauthorized inquiries continue to be inaccurately reported on my credit report, causing distress and undermining my financial standing. 

I wish to outline the numerous steps I have taken in my efforts to resolve this issue : On multiple occasions, I have submitted dispute letters to all three major credit bureaus - Equifax, XXXX, and XXXX. In these letters, I have provided detailed information about the unauthorized inquiries and have requested their immediate removal. 

I have provided supporting documentation and evidence to substantiate my claims that these inquiries were unauthorized and should not be present on my credit report. 

In cases where the unauthorized inquiries are associated with specific institutions or companies, I have attempted to communicate with them directly, requesting that they retract or confirm the unauthorized nature of these inquiries. 

Despite these extensive efforts and the considerable time and resources invested, I am deeply disappointed to observe that the unauthorized inquiries persist on my credit report. This ongoing situation is causing harm to my financial privacy and creditworthiness, and it is imperative that it be resolved promptly. 

I urgently request your immediate intervention to investigate and resolve this matter. Specifically, I implore you to : Investigate the unauthorized inquiries reported on my credit report and determine their legitimacy. 

Promptly remove any unauthorized inquiries from my credit report and provide me with written confirmation of their removal. 

Review and enhance internal security measures to prevent future unauthorized inquiries from affecting my credit report. 

Failure to address this issue with the urgency it warrants may compel me to pursue legal remedies to protect my rights and seek redress for the damages sustained. Immediate resolution is essential for the benefit of all parties involved. 

Please consider this letter both an official complaint and a formal request for urgent action. I am asking for your immediate assistance to remove this unknown inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX