23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING SEVERAL ACCOUNTS WITH XXXX AND EQUIFAX FOR OVER 6 MONTHS YET I CONSTANTLY KEEP GETTING UPDATED " RESULTS '' WITH NO CHANGES OR PROOF OF AN ACTUAL INVESTIGATION. THESE ACCOUNTS THAT I HAVE REPORTED TO THEM ARE IN FCRA VIOLATION AND NEED TO BE DELETED FROM MY CREDIT REPORT. I HAVE SENT DISPUTE LETTERS WITH ATTACHED PROOF OF THE ERRORS YET THESE ACCOUNTS REMAIN.
Product: Debt collection

I told you earlier I have retained a lawyer but till now u r sending letter to me
Product: Consumer Loan

On XX/XX/XXXX, I purchased a XXXX queen-sized mattress from Macy 's in the XXXX in XXXX, VA for {$1500.00}. This purchase was part of a special promotion that was interest-free for 24 months. However, in my XX/XX/XXXX statement, Macy 's charged me {$31.00} in interest. I contacted Macy 's consumer line ( XXXX ) to bring this to their attention, and was informed that this was an error and that it would be corrected and the {$31.00} would be credited to my account. I received a letter from Macy 's dated XX/XX/XXXX also noting this. 

Unfortunately, when I received the statement for the XX/XX/XXXX payment, I noticed that not only had the {$31.00} not been credited, but I was still being charged interest, this time in the amount of {$28.00}. On XX/XX/XXXX, I again contacted Macy 's on the phone and was told that this would be corrected. I spoke with " XXXX '' ( id # XXXX ) and was again assured that the wrongly charged interest, now in the amount of {$60.00}, would be credited to my account and that interest would no longer be charged. 

I am now contacting you in the hope that you can help with this matter, and I do not have confidence in Macy 's accurately fixing my account and refunding me the money it has erroneously charged me.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this morning, and I have no idea why. This wasn't an issue in my previous checks, but today, discrepancies appeared without any explanation. I even refreshed my browser, hoping it was just a temporary error, but they didnt disappear. Im extremely frustrated and need the documents I sent to be reviewed carefully so I can stop worrying about this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

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.
Product: Credit card

I have previously submitted this complaint. My credit card was used over the XXXX of XXXX holiday in XXXX for {$1200.00}. I was not in XXXX at anytime over the XXXX nor did I give my card to anyone to use. 

The company removed the charge for {$290.00} on XX/XX/XXXX to the same service provider, XXXX. XXXX is well know on the internet for having fraud issues on the XXXX XXXX XXXX website. I
Product: Credit reporting, credit repair services, or other personal consumer reports

american express is reporting incorrect information on my credit report i have never had an american express credit card they must have mistaken me for another person
Product: Mortgage

Over multiple instances with mutlpile months Amerihome mortgage company has taken double the payments from me. They have reversed each payment however now in XXXX they say I didn't pay them in all still again taking a payment twice in the same month. Now my mortgage payment is 34 days over due effectively messing with my credit score which is when is starts becoming a bigger deal. I was on hold with there company just for them to tell me they sent me a check that I never received. The supervisor refused to speak to me and just the the original person talk to me while he spoke to her in the background. I was upset or angry I was just trying to be professional about this whole situation. They told me they would fix the issue remove the latest fees but it would take a couple weeks. This company just doesn't seem to understand their own system or the way or works and just has me sitting on hold forever. For them to do this not once but three times is just unacceptable and them to never answer to the phone or just have some.kinda answer just shows there professionalism I'm honestly not sure I want to even be part of a company that doesn't even understand it's owns customers or systems or show the slightest concern for the issue. This company has shown me they really couldn't care less about the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that are not mine. I went to apply for a home loan so I can purchase o home for my new baby thot due this summer and I went to my credit union to apply for o home loon and I was denied. My loan officer gave me a copy of my report and there ore things on there that are not mine. Please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX XXXX XXXX.
Product: Checking or savings account

We signed up for XXXX XXXX XXXX XXXX via their door-to door salesperson in XX/XX/XXXX. We were told that if we were not satisfied with the service, that we could cancel anytime like you would with XXXX. We attempted to cancel on XX/XX/XXXX only to be hit with a {$190.00} cancellation fee that was not mentioned by the salesperson, but was buried somewhere in a contract that we were told we signed/access to, but I have not found anything regarding the fee. My husband attempted to call XXXX only to b hung up on. I disputed the charge with Chase Bank on XX/XX/XXXX and the money was returned to us. On XX/XX/XXXX, Chase told us our claim was denied and that we authorized the charge. XXXX did not authorize the charge, we were not told that the {$190.00} would be charged by XXXX XXXX XXXX  should we cancel, and if we would have been told about the fee we would never have signed up. XXXX is incredibly shady and not transparent. This is a common occurrence with them as their reviews online are similar to my account. I feel the company should be more up front with their fees to begin with and Chase should have done further investigation before denying our claim. Not everyone can afford to be hit with {$190.00} along with everything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

NO IDEA, NO CONTRACT, IVE BEEN XXXX XXXX WITH XXXX FOR A YEAR AND AND A HALF, I DONT OWN THIS ACCOUNT NO REPLY FROM COMPANY Payment Status Collection/Chargeoff Last Updated XX/XX/2022 Current Balance {$270.00} Original Balance {$270.00} Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to report this account How Does Everything Look? 
Lenders provide us your d
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I recently purchased an item on Ebay and as with most purchases, had to pay with Pay Pal. I hit the button to go to Pay Pal, completed what I thought was the information to get into my account, which I use infrequently and completed my transaction. Yesterday I received a notice from PayPal Credit welcoming me to PayPal Credit and informing me that I owed them {$89.00} for my purchase. I called the number on the form letter and was told that I had signed up for PayPay Credit during my transaction. I told the gentleman that I wanted the account closed immediately and there was very little push back from the person. My sense, frankly, was that I was not the first person to have been deceived in the process of trying to get to my PayPal account.
Product: Credit reporting or other personal consumer reports

There appear to have been an improper use of my credit report which shows some addresses, employers and names that I am not associated with. I do not have anything to do with the following addresses : XXXX UNKNOWN, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX is any of the following my name : XXXX XXXX XXXX XXXX XXXX XXXX 

I am also not associated with these employers : XXXX XXXX. 
XXXX XXXX XXXX  Irregular report of my personal information violates my consumer rights as none of the information listed above are associated with me.
Product: Debt collection

Hello my name is XXXX XXXX and I had XXXX  dispute this collection bill due to fact that I did not have a XXXX XXXX account.I have a fraud alert on my XXXX report for fact I was notified by a police officer that someone had used my identity more than likely.Also bc there were addresses I never lived at with variance of my name changed on report wrong middle initial and name changed around.XXXX responded with saying that XX/XX/2019 report numberXXXXConvergent Outsourcing orgin XXXX.The information I disputed has been verified as accurate.However info unrelated to dispute has been updated.And still has the XXXX the Convergent co.is out of Wa.But, I am in AZ.I had asked what name the account was in since varriances were under dispute on my report with XXXX  and asked if this account existed Wich I never had what info they had and how they obtain the account setup and address.I have never been answered on any of those questions to further provide proof where I was at time account was created if needed, and still have no understanding of when account was created .Just when in collections.I really would like help further resolving matter as trying repair credit.Thank you for time and consideration in resolving this matter, XXXX XXXX XXXX is email you may reach me back at.
Product: Checking or savings account

Wells Fargo cleared fraudulent check Here is the action I have taken. Upon learning that check number XXXX had not been processed by the County tax collection agency, I went on the Wells Fargo website to retrieve a copy of the cancelled check. Once I copied the check, I saw that it had obviously been altered and was cashed/deposited with XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX and spoke with XXXX. He reviewed the check and informed me it was marked as suspicious. He advised me to contact Wells Fargo and file a claim, which I did directly after I got off the phone with him. At Wells Fargo, I spoke with XXXX and he filed a claim. The claim number is XXXX. 

On XX/XX/XXXX, I received a letter from Wells Fargo datedXX/XX/XXXX stating that the claim was denied because it was older than 30 days. I then called Wells Fargo again and spoke to XXXX ( not sure if that is correct, because he was not clear ). He informed me that someone would contact me within 48 hours. I did not receive a call, so I called again on XX/XX/XXXX. I was told they did call me and got no answer. However, I informed them that I had no missed calls and no messages. I also stated that because they cleared the obviously altered check, there were no red flags and no reason to assume there was an issue. I told him I needed the claim re-opened. He informed me again that someone would contact me within 48 hours but it would be unlikely they would re-open the claim. It has not yet been 48 hours since that call. 

Also note, the I do not received cancelled checks and the payee is not noted on my bank statements
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and EXPERIAN. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have asked XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX  has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX should delete all account information they share with XXXX, XXXX, Experian, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

This is also a direct violation of HIPAA, as it shows sensitive information with medical records and private information. 

Since XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX. If I received goods or services, please have a XXXX  XXXX certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is 5 with XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX and XXXXXXXX XXXX also state they will remove their items from my credit report and to date they have failed to do so I am XXXX as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX asking them to validate a debt that was furnished on my consumer report ( Experian ) .I disputed this account with the consumer reporting agency.I filed a complaint with the CFPB still after filing the complaint with the CFPB the account still came back verified.I found it very strange that this account keeps coming up verified so I called the CFPB and I asked how could this account be verified then I found out from the representative on the phone that companies don't have to show the consumer reporting agencies any proof.So I have a letter I sent to XXXX XXXX XXXX on XX/XX/XXXX asking them to validate the debt.After studying the Fair Credit Reporting Act I found out the company lawfully had to respond to me.So they are way past the the 30 day mark.XXXX XXXX XXXX  is in violation of 15 U.S.C. 1681i section 611 ( a ) ( 1 ) ( a ) .It says the company has 30 days to respond and if they don't respond in that time frame then under 15 U.S.C. 1681i section 611 ( a ) ( 5 ) ( A ) the item must be deleted from the consumer report.I have attached all correspondence below. Experian account # XXXX this count has never been marked disputed.
Product: Credit reporting or other personal consumer reports

This is my first time I've discovered that my credit report had inaccurate information. The XXXX 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 updated : XXXX XXXX XXXX XXXX Balance Owed : {$220000.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$10000.00}
Product: Checking or savings account

O/A XXXX2022 I contacted USAA about closing some accounts and they closed XXXX that wasn't supposed to be closed which has a SSA pension DD to it. USAA confirmed that they made a mistake but refused to reopen it. I stated that due to them refusing to reopen the account that would have a negative effect on our quality of life due to that DD from SSA being kicked back to SSA with unavailability of those funds for XXXX to XXXX months due to their mistake, they are still refusing to reopen it.
Product: Credit reporting or other personal consumer reports

XXXX  is still my student loans on my XXXX credit report. These tradelines are supposed to be removed completely due to the lawsuit XXXXXXXX XXXX XXXXXXXX borrower defense which these loans are under this lawsuit. XXXX  continues to violate the settlement of the lawsuit and they should be removed.
Product: Credit card or prepaid card

To Whom It May Concern : I disagree with your decision. I live in a secure building with cameras and my landlady reviewed the cameras and wrote to me and told me that there were no packages delivered at XXXX PM. In addition, the apartment complex does not have a mailroom as alleged by the XXXX delivery person. I want my money back the way it was tendered to SAKS Fifth Avenue or I want my XXXX XXXX perfume. I paid for the item with a gift card and charged the rest with my credit card. I have disputed this charge with my credit card. I have spent over {$10000.00} this year at Saks Fifth Avenue and I am going to get my perfume. Please see the email below from the apartment manager. Did the delivery person take a picture of the package? No. Give me back my money. I used my Saks Fifth AVenue Credit Card to make the purchase. Saks ignored my 5 letters regarding the fact that I did not receive the Jo Malone perfume that I paid for but did not receive. 
ORDER DETAILS Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Payment Method Gift Card XXXX {$35.00} SaksFirst Store Card {$15.00} Billing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ORDER SUMMARY Subtotal {$48.00} Shipping FREE Tax {$2.00} Order Total {$50.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

In accordance wit the fair credit reporting act XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX  XXXX XXXX  Account XXXX XXXX ; XXXXXXXX XXXX XXXX Account # XXXX ; XXXX XXXX  XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;
Product: Debt collection

I am writing to file a formal complaint against January Technologies , Inc., a debt collection agency that is actively violating federal and state consumer protection laws. This company is illegally reporting an alleged debt on my credit report and engaging in collection practices without proper legal authorization in the state of Virginia.

Despite my requests, January Technologies , Inc. has failed to provide any documentation substantiating this alleged debt. They are unable to demonstrate that I owe this amount, nor have they provided any legal basis for attempting to collect it. This is a blatant violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, the account they have reported contains negative history that is inaccurate, unverifiable, and misleading. Their continued reporting of this account to credit bureaus is damaging my creditworthiness based on false or unverified information.

Under 15 U.S.C. 6802, I am entitled to the privacy of my financial data and must be properly notified regarding the sharing or usage of such sensitive information. January Technologies , Inc. has provided no such notice and has not obtained my consent or legal authority to share this information with any credit reporting agency.

If this company can not verify the alleged account in fullincluding a complete chain of custody, original creditor information, and legal documentation of the debtthen this tradeline must be immediately removed from all credit reporting agencies as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed the following account TIDEWATER MOTORE CREDIT as of XXXX XXXX. The account was then re added as of XXXX XXXX. This account has continued to be re aged and I have let XXXX know that this account is fraudulent and needs to be removed. XXXX has Tidewater Motor Credit re aged as well as listed as charge off which is a violation and XXXX keeps violating my fraud alert and notice of identity theft communication from FTC reports. 

XXXX XXXX is also an account that is listed on my credit report that is not my account and also makes me a victim of identity theft. This account continues to be re aged and listed as a charge off as well.