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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

cease and desist. you are spreading false information on me and i have suffered real damages and harassment based on your fraudulent reporting. i don't want any XXXX credit and i don't want anything to do with your company or your XXXX processes. stop spying on me and tracking me full stop. im done. leave me the XXXX alone. delete me from your system.
Product: Credit card

Dear Fraud Department, I am writing to formally address an ongoing issue regarding fraudulent charges on my Macys CITI account. Since XX/XX/2024, I have called six times to report unauthorized transactions on my account, specifically related to gaming gear and XXXX perfume that were ordered without my consent. Upon discovering these charges, I immediately called to report them and was informed that the order would be cancelled. Despite this assurance, one item was still shipped. 

After this incident, I noticed that the email address associated with my Macys account had been changed to XXXX. I called once again to inform customer service that I could no longer access my account. Consequently, my original Macys card was cancelled, and a new one was issued. However, I have been unable to add the new card to my Macys account, as I am receiving error messages that state the card can not be linked with any email address Ive tried. 

Additionally, the investigation into these fraudulent charges is still ongoing, despite the fact that all relevant information and evidence have been provided. I am also continuing to receive calls demanding payment for these charges, which are clearly fraudulent. This situation has caused me considerable inconvenience, and I respectfully request your assistance in expediting the resolution of this matter. Additionally, my credit limit has been reduced to $ XXXX and I have been charged overage limit fees for charges that were not mine. 

Please remove any charges associated with these fraudulent transactions from my account, effective as of XX/XX/2024. I would appreciate your prompt attention to this issue, as it has been nearly two months with no satisfactory resolution. 

Additionally, Macys has reported my credit card to the credit reporting bureaus during an ongoing investigation, violating United States Law 15 USC 1666-1666j as outlined in Part D of Credit Billing found under Credit Billing and CORRECTION OF CREDIT BILLING. 

Thank you for your time and assistance. I look forward to your response and a swift resolution.
Product: Payday loan, title loan, personal loan, or advance loan

I had 3 purchases on my Citizens Pay credit line. The conditions for the credit are 0 % Interest rate in the first 12 months and 29.99 % on the next 24 months. Everything has been paid on time as you can see in the XXXX file attached. It happens that my latest statement is still showing a balance on my first purchase from XX/XX/XXXX which should have been fully paid in XXXX of this year so Citizens Pay started to charge me interests on that item which is not correct. Also my second purchase dated from XX/XX/XXXX is showing a remaining balance that is also not correct and higher than it should be ( {$440.00} ). So Im afraid Citizens Pay will start to charge me interests on this item too after one year because they are not assigning my payments to my purchases in a chronological sequence. As you can see on the snapshot from XXXX and XXXX statement, Citizens Pay allocated {$320.00} extra payment made on XX/XX/XXXX reducing significantly the balance on this item and keeping an higher balance on the second item which will accumulate interest if the balance is not cleared in XXXX. When XXXX complaint about this situation by phone to their representatives they suggested me to make an additional payment of {$54.00} to clear the balance on the first purchase. I made this payment on XX/XX/XXXX and till now I didn't hear back from them.
Product: Credit reporting

Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which XXXX, placed my XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit report.
Product: Credit reporting

For employment purposes I was directed to experian to receive a credit report to confirm my identity. For the past 5 weeks I have attempted to do this with them via online, phone, and mailing in physical copies of my own personal documents. To date, they have been unable to provide me a credit report. I have emailed them regarding this about 3 weeks ago - no response. Called them numerous times speaking with multiple customer service reps including XXXX supervisors - still have n't gotten anywhere. When speaking with them they direct me through the same steps every time as if reading a script and none of them has been able to actually help me with this process. The kicker? Went to transunion tonight and got my report in 5 minutes. Unfortunately my employer has a contract with experian so my report must come from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I disputed an {$11.00} charge from XXXX through discover card. I tried to dispute with XXXX but no such charges were associated with my account, so they weren't able to find the associated invoice. I reached out to Discover in XX/XX/XXXX and Discover denied my request for refund/reapplied the charges. This is a reoccurring charge since XX/XX/XXXX, so there were seven invoices of {$11.00}. They were able to send me an invoice copy and I can immediately see it's a person who doesn't exist at an address that also doesn't exist, so very obviously fraud and not attached to me at all. It's kind of weird that they would have a live person look at the invoice who could just quickly XXXX and see this address does not exist, but still say it's a valid charge? I shouldn't have to eat this cost, that's why I use a credit card. 

It's tied to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This location doesn't exist so how is it a valid charge. I don't know this person, obviously. This is such a stupid situation lol. How did someone miss this? First thing I did was google it! 

I want to note that my maiden name is XXXX, my legal last name is XXXX. This is important to line up the accounts as I'm not able to update my account information within consumer finance.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX in XXXX, PA. I purchased the vehicle in XXXX. As of XX/XX/XXXX, my lender ( GM Financial ) has not received the title on this vehicle and I have not been able to register or drive it. 
We have received the registration. However, the XXXX XXXX have not held up it end of the bargain of as far as getting the check engine problem fixed and he provided a receipt of we owe. After we filed a complaint with consumer complaint he went into action. On XX/XX/XXXX he called and agreed to take a look at why check engine light was on for 3 months. He told me to take it to XXXX XXXX XXXX. I took the vehicle on XX/XX/XXXX at XXXXXXXX XXXX. I left my vehicle and my witness came to pick me up. I kept in contact with XXXX the owner of XXXX XXXX he assured me he was going to fix the check engine and check on the issue. I communicated with XXXX daily, when it was time to pick up my car XXXX also said I have a massive leak in the front of the engine. On the XX/XX/XXXX I picked up my vehicle with an attachment of a nightmare, because XXXX tried to charge me {$55.00} for maintenance. When I refused, he said was not releasing my vehicle. My witness and I had to call the police to get my vehicle back, as well as call XXXX. When I contacted XXXX, he communicated with XXXX to release the car and he will pay for everything. He also stated he will investigate and take care of why the check engine like is staying on. 
After this ordeal it has been very difficult to get in contact with XXXX. He has been giving me the run around. And nothing has been resolved. I contacted him today and he stated he would fix the problem. I believe it is too late. As of XX/XX/XXXX I had to tow my car to his dealership, because I was informed that my car died. I have a warranty that is not helpful and a dealership who sold me a vehicle that stop working after 3 1/2 to 4 month. And I know is a law against that, I am not sure where to start. Hopefully your agency can lead the way. I want to continue be proactive in my complaint filing. 

I have now found the dealership and I drove the car to the location with a promise he would provide a loaner. I drove an hour to his location and no vehicle was provided. I am paying for a vehicle I can not drive. Because it was faulty and dangerous. I almost died, because my vehicle stopped in the middle of the road. And with my belief system in XXXX who sold me the car to drive. And he assured me it was going to be okay. It left me stranded for 3 hours. 

My loan is with GM Financial Acct. # XXXX. I want to get out from under this untenable situation but do not want to end up with a repossession on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account on the date of XX/XX/2021, " XXXX XXXX - XXXX '', has violated my rights by violating my right to privacy, Furnishing said account without my written instructions, and reporting inaccurate reports and details regarding the account. Down below I will cite my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy, Said right was violated by " XXXX XXXX - XXXX '' by reporting and releasing my personal info and details to consumer agencies and the public providing access to information of said account simply by request. 

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, Said right was violated by " XXXX XXXX - XXXX '' furnishing and reporting said account without my given written instruction nor direct detailed agreement. 

15 U.S.C. 1681 Section 602 A ( 1 ). States The banking system is dependent upon Fair and ACCURATE credit reporting, Said right was violated by " XXXX XXXX - XXXX '' not truthfully reporting full and accurate details regarding the account, Payments Made, Payments missed, and the accurate remaining balance on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

all I need is the inquiries deleted. check letter thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unsatisfied with their investigation results because I have not been provided with any documentation ( ex : signed contract, itemized bill ) and I honestly do not recognize the company name or ever having an account with them. I need this account on my profile flag as disputed fraudulent. Experian didnt even include a comment at the end of their investigation that mentions that I am disputing that this account does not belong to me and the agency should be required to provide the documentation they used to determine the validity of of the account during their investigations. Also the agency should not be allow to retaliate against the customer for submitting a request for an investigation. 

I submitted a dispute with Experian around XX/XX/XXXX because there is an account from 2016 I do not recognized ( RE : XXXX ). There is no information on my profile as to who this company is. Did they provide Experian with a signed contract and an itemized bill? I have never received an itemized bill from this unknown company or any sort of documentation or letters from this company. I do not even know what the letters of the company stand for. Experian investigations often do not check for proper documentation. When an investigation is completed, it should be required that they should be providing the customer a copy of the documents that were provided as part of their investigation. 

The second complaint is the idea that Experian seems to retaliate when a complaint is submitted. I submitted a complaint because I do not recognize the company on file. They completed the investigation and my score went down XXXX points. This sounds like a practice to discourage people from submitting a request for an investigation. This should not be allow.
Product: Credit card or prepaid card

On    XXXX   XXXX   XXXX    I made a {$20.00} ATM withdrawal from my credit card and was charged a {$10.00} ATM Withdrawal Fee. I do not recall seeing the disclosure saying that I would be charged {$10.00} for this {$20.00} withdrawal ; If I had, I would not have continued with the transaction. I seem to recall the disclosure stated the standard {$3.00} fee, as when I use my debit card, would be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Product: Credit card or prepaid card

Hello, I had a high balance on my American Express Credit Card in XXXX XXXX. I made 3 payments as follows for the month of XXXX : Friday, XXXX XXXX - {$130.00} Monday, XXXX XXXX - {$130.00} Friday, XXXX XXXX - {$11.00}. XXXX These 3 payments totaled {$11000.00}. At this time American Express charged another {$200.00} in interest. I called an spoke with a rep of the company on Friday, XXXX XXXX and she stated she would have this charge refunded on my account because of the 3 payments made in less than a month. 

The following week I checked my account and saw that the amount had not been refunded. I called and spoke with another rep on Tuesday, XXXX XXXX and he stated that nothing was notated on my account and they would not be honoring the credit. Furthermore, he stated all that was entered from the call on the XXXX XXXX was the rep " entered something '' and it was " denied ''. 

I paid off my account with the company and the stated they would credit the interest charge as there were 3 payments and now they have no record of this promise. I find it hard to believe that there is no recording or better detail of the call to what I was promised. I found that the company is gouging and attempting to gain any dollar amount from a consumer even when they pay them almost {$12000.00} in a month.
Product: Vehicle loan or lease

In XX/XX/year>, merchandise was repossessed by North State Acceptance, and the account was charged off with an unpaid balance reported as a loss. However, the invoice from that time shows the correct balance as {$1600.00}, while my credit report reflects a balance of {$7200.00}. I am disputing this discrepancy and requesting that the account balance be updated to align with the invoice.
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 USC 1681 Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX 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 an 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 XXXX other adverse item of intormation. other than records of convIctions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

Wells Fargo Bank has repeatedly denied my modification based on unorthodox, and perhaps fabricated accounting rules. Unlike standard accounting and banking procedures, they informed me that " small business expenses '' do n't count as " real expenses '' in calculating " net income ''. Really? And despite the fact that a large portion of the US economy is real estate rental/lease, several representatives have informed that this " real estate rental is NOT a real business ''. Under standard accounting practices I would qualify for modification, but they willfully and strategically make-up rules to deny homeowner help!
Product: Checking or savings account

I opened a savings account at Wells Fargo to deposit money. I was told I needed a checking account, a second savings account, and a credit card in addition. I had no clue that the savings account had a minimum deposit of {$25000.00} to be maintained. Two years ago I withdrew most of the money from the account. I haven't looked at my balance over the years but had no clue Wells Fargo has been withdrawing a monthly fee to the point that the account is now empty.
Product: Debt collection

Car was wreck not my fault car was totaled my lender was credit acceptance the gap cover but 4 years later I have interest and staying Im late over XXXX $
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> requesting my information be reviewed for accuracy and any inaccurate information needs to be removed. The Credit bureau sent a letter back and stated that they believe I was a credit monitoring company and please resubmit a response to this letter.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I'm unsure why. While checking my credit report as I normally do, I noticed discrepancies that werent there before. Refreshing my browser didnt remove the unauthorized inquiries. Therefore, I request a detailed check of my submitted documents to avoid this problem in the future.
Product: Debt collection

On  XXXX   XXXX , I sent a dispute requesting validation of the alleged debt that  Calvary  is reporting. In particular I challenged the  Open Date  of   XXXX   XXXX   XXXX   as I believe that the last payment was made in mid   XXXX  certainly not  XXXX . I have heard that it is common for collection agencies to reage the debt in an effort to avoid  Statute of Limitation .     I never got any response to my letter and the reporting of the debt remains without any indication that it was being disputed.     On   XXXX   XXXX  , I sent another letter requesting validation and still no response. The debt is still appearing on my credit report without any indication that it is in dispute. Statute of Limitations has expired but  Calvary  has in my opinion intentionally reaged the debt from its original  XXXX  time frame.
Product: Student loan

Navient calls me every hour from XXXX XXXX for collections.
Product: Credit reporting or other personal consumer reports

CHILDSUPPORT Acct # XXXX A child support account has been inaccurately reported on my credit report as a consumer debt. This account, associated with an administrative support order, should not be classified as a debt under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). This incorrect classification is misleading and has unjustly damaged my credit profile, as child support obligations are not covered by the FDCPA.