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

I have am looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name is XXXX XXXX please remove any different names from my report they are not accurate. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are NOT accurate please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX SR XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX RT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

Someone used my stolen government ID to get an apartment on which they have an eviction, got medical bills in my name, utility accounts, and bank accounts. I've contacted several companies and most of their advice was to file an identity theft report first. I contacted the debt collection agencies, and they weren't able to help me. Literally every single account open and in collections from XXXX  was not me. I attached my credit report that has all of the information for more help and detail. I have filed a police report for the identity theft and have attached that as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear CFPB & Department Stores National Bank : I am writing to inform you of unfair billing and debt collection practices. As a result of these practices, to dispute all interest owed and late charges owed on the account, and corrections of any late reporting. 

Background : Sometime last year, Macy 's changed credit card providers. They sent me a new credit card issued by DEPARTYMENT STORES NATIONAL BANK, pursuant to a license from XXXX XXXX. I started receiving collection calls from " Citi '' in XXXX XXXX, and twice requested statements. The first statement I received was backdated statements from XXXX XXXX though XXXX XXXX, and postmarked XXXX XXXX, XXXX. 

Purchases Made : At the time of the new credit card being issued, I had no purchases on the account. I did make XXXX purchases on the account, both at Macy 's ( XXXX XXXX and XXXX XXXX ). 

E-SIGN Consent Not Provided : As I did not activate the credit card, it is not apparent that I provided consent to receive electronic statements. Nor have they been able to provide me this electronic consent. They consistently ask me to go into Macy 's account to activate and receive the disclosures. They have stated that they are provided to my email address, however they are not able to disclose the email address that they are provided to. I have not received any electronic disclosures. 

TILA Billing Statement Not Received Timely : A billing statement was not received, either electronically or in paper format. I requested these statements twice in XXXX, and received by me on XXXX XXXX, XXXX. Without the billing statement, I was not able to pay or dispute any amount owed. 

Fair Debt Collection Action - Unfair Collection Practices : A company started calling on behalf of Macy 's beginning in XXXX XXXX. I spoke to them in early XXXX, and in XXXX. Both times I requested a copy of the statements. They introduced themselves as " Macy 's '', " your XXXX XXXX XXXX '' or " Citi ''. The phone number they call from varies, and they call at all hours and multiple times a day. They call as early as XXXX PST and as late as XXXX PST, 7 days a week, up to five times daily. I repeatedly ask for a copy of the statement. 

My credit score as of XXXX XXXX was XXXX. I work hard at paying my balances in full monthly, or more than the amount required. As a result of no billing statement being received, no apparent E-Sign Consent provided, and unfair collection practices, I am requesting the following : Remove all interest and late charges from the account. 
Remove any delinquent reporting with the credit reporting bureaus in accordance with the requirements of the Fair Credit Reporting Act. 
Close my Macy 's account.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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.

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 8
Product: Checking or savings account

To whom it may concern, I believe the company XXXX XXXX XXXX is a scam. Due to I purchased 2 samples online and I did not receive the samples till several later days after I ordered them only and I happened to check my bank account on XX/XX/XXXX and noticed that XXXX XXXX charged my account for {$100.00} dollars I immediately called my bank to gather XXXX XXXX information to contact them. I contacted XXXX XXXX XX/XX/XXXX I left a message XXXX XXXX never returned my call, I then called back XXXX and I spoke with a XXXX on XXXX she told me they do not give out full names just a first name and she offered to give me {$50.00} dollars of my money back she claimed I was supposed to cancel order for XXXX XXXX XXXX XXXX in 17 day which I was never informed of that. I never agreed to 17 days and never did I authorize XXXX XXXX to charge my account for {$100.00} dollars I repeatedly asked XXXX to speak with a Supervisor and she refused to allow me to speak to a supervisor she told me a supervisor XXXX would call me back on XX/XX/XXXX but a supervisor never returned my call. I never received any letter confirming they would charge my account for {$100.00}. I did receive a confirmation letter of the samples I purchased and a letter of them cancelling XXXX XXXX XXXX XXXX purchase order the purchase id XXXX. I never received a letter confirming a purchased order. I thought this was very deceiving and misleading business of XXXX XXXX.Thank you
Product: Student loan

I am currently in forbearance due to the XXXX litigation, as Mohela has confirmed in numerous correspondence. I was first notified of the forbearance on XXXX XXXX, 2024 ( see attached notice ), and Mohela confirmed that my loan is in forbearance as recently as XXXX XXXX, 2024 ( attached ). 

Per these correspondence, no interest should accrue during the forbearance period and my interest rate should be set to 0 % during the forbearance period. As Mohela explained : " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' However, interest has continued to accrue despite the forbearance. See attached screenshot from my Mohela dashboard, which shows the interest is set at 6.125 % rather than 0 %, as it should be per Mohela 's own explanation. 

I have continued to pay down my loans during the forbearance period, but have had to pay hundreds of dollars in erroneously accrued interest. See attached screenshot of my payment history, which shows I made payments on XXXX XXXX, 2024 and XXXX XXXX, 2024 ( both during the forbearance period ) which included accrued interest of {$86.00} and {$380.00}, respectively. Today, I made another payment that included {$410.00} in erroneously accrued interest. 

I have requested an explanation from Mohela about why I am being charged interest in error, and have not gotten any response. Instead, I've received automatic ( and erroneous ) notices that, contrary to other correspondence, interest WILL continue to accrue during forbearance. See attached correspondence from XXXX XXXX, 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and to my amazement, saw that you recently have decided to report me 30 days late on my XXXX account in XX/XX/2018. I have previous credit reports from both agencies pulled in XX/XX/2018, and neither one of these reports show me late in XX/XX/2018. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my XXXX  dispute and my TransUnion dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Product: Checking or savings account

TCF Bank has locked me out of my online banking. They give me a number to call to fix it, but I can't fix it with the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined this company under the guise they would be able to fix my credit. XXXX XXXX enrolled me. I noticed shortly after joining their credit repair services, my credit began to drop drastically. I did not have a portal to check on my progress, I did not get updated from my representative, and I wasn't getting any creditor response letters regarding any disputes. 

My credit began to drop so much that I ended up paying my outstanding collection balances. Only then did my score show improvement. I called around regarding cancelling the program and not paying any additional fees on the payment plan. 

I could not get in touch with XXXX XXXX or anyone else. I finally reached a lady, XXXX, the Director of Client Services, who stated that XXXX XXXX quit and was no longer with the company. I was emailing a ghost. I got transferred to new representative who said it was past the 7 day rescission period and I would be responsible for the remainder payments regardless if I quit. I told him to cancel the program they were ruining my credit and opening fruitless disputes. 

Long story short. I have paid this company countless money for nothing but credit ruin. I had to address my credit myself by paying it off to begin seeing results. I don't owe them another dime as I have lost enough money and credit with them. I want any remainder payments waived as the services rendered to me were absolutely horrible and unproffesional.
Product: Debt collection

I received a letter from what I assume is a debt collector trying to collect on a Paypal account that has a negative balance, personally I ca n't even understand how a Paypal account could have a negative balance, but more importantly I do n't have a Paypal account and I want this collection to cease and it better not appear on my credit report. I am as well submitting this complaint to the Iowa Attorney General 's Office. I have attached a copy of the letter that was sent to me.
Product: Credit card

I am XXXX XXXX citizen that is XXXX. They do not have an accessibility department and it is very difficult as most of the customer service people are not trained and if you call and speak to XXXX agent, they will tell you XXXX thing and another agent will tell you another I was unsure about a charge on my credit card for about {$30.00}, sometimes charges are under different company names there was a phone number and I called it and there was no number attached to it so I called up customer service and I asked them to file a dispute as XXXX not sure what it was. I was very clear and I was promised it would be filed as a dispute not as fraud, I was promised by the woman that would not be issued another credit card as it would be too difficult for me to contact all the companies that I have on
Product: Credit reporting, credit repair services, or other personal consumer reports

They spying on me, inventing information about me and selling it, they are watching me, stalking and peeking without permission and against the law of privacy protection, they spread lies and lies about me, they hurt me, my family, our future, my good name and my livelihood. 
No one gave them permission to use my name or my details
Product: Bank account or service

I was a victim of debit theft. The person actually went to the atm and withdrew money out my account. My car was stolen in the time period between you dont have money and pay day. I really dont use my card to much then but to fill up my tank. So when I did call Bank of america I filed my claim. I told them my pay check is coming will you be taken money from my check. When the people stole my money they took my pay check money. So I went a whole week with out pay. I was reassure my money was safe. I am behind on bills. Bank of America took my whole pay check. I was able to take XXXX dollars out which was for bill but now in turn its for gas for the week. I am behind on my rent. I still will behind. Do you think a big Bank like that will help me out no. I am hurt and super sad. I asked the customer service representative if they will take money from me and she assured me they would not. 
When you file the claim you are guilty before innocent.
Product: Debt collection

Today I received a call from ( XXXX ) XXXX XXXX. The caller asked to speak with me and then requested personal information. I inquired who the person was and that the purpose of the call was ; the person stated they worked for Receivable management services. I asked if this was an attempt to collect a debt. They told me they were not allowed to tell me that. I said on the contrary they are legally required to tell me if this is an attempt to collect a debt. The caller refused to answer stating that they needed my information to verify the account before she could identify the purpose of the call. I requested contact information and she stated that she worked for the company named above, her name was XXXX XXXX and that the mailing address was XXXX XXXX XXXX in XXXX PA. I again asked if this is an attempt to collect a debt and she refused to answer. I requested a supervisor ; she stated the supervisor was at lunch. ( Call came in at XXXX which would be XXXX her time, so a little hard to believe ). I did XXXX this company and they are notorious debt collectors. I dont know if any debts Ive failed to pay so I cant think of a legitimate reason for this company to be reaching out to me. In the end though, their failure to identify themselves is a violation.
Product: Credit reporting

I recently received a letter from Experian stating that the late payments on my credit report from XXXX XXXX XXXX are " Verfied. '' I placed a phone call to XXXX XXXX XXXX on XXXX/XXXX/2015 regarding the account listed above. I called to inquire about this account that is listed on my Credit Reports. I spoke to a Customer Service Representative. He informed me that XXXX XXXX XXXX does not have any record on this account with respect to any late payments.. 


How did Experian investigate this account with out any documentation? 



I spoke with Represenative XXXX XXXX out of XXXX, Az at XXXX XXXX XXXXOur conversation, which XXXX XXXX XXXX has recorded went something like this. 

XXXX : I got a lot of credit cards and I just wanted to investigate this item a little bit further. To check in my credit report and I do n't really remember this, is there any kind of ... It shows late payments on there, is there ... Do you have any information that you can provide me with to prove those late payments? I 'm just going through and doing some maintenance here on my financials and just wanted to research things a little further. 

XXXX : All right, let me see here what I can provide you with. I was just checkingto see if I was able to send out any statements or anything but this card had been paid off from quite some time. It does show that at XXXX time the account did go XXXX payments past due. 

XXXX : Is there anything that you can provide me with other than ... Are there any proof of that? 

XXXX XXXX : I 'm not finding any recent statements or anything that I could actually send out. Let me double check one thing here. 

XXXX : I do n't. I 'm trying to research this whole thing. 
XXXX XXXX : Okay. This is coming up on your credit report, how did you find out about this? 

XXXX XXXX : Correct, that 's when we show that it was opened and it was actually closed on XXXX 2010. It 's just that it may have been so long since it was actually paid off that we no longer have the records on it. I can see if there somewhere that I can go to find any information for you here. May I just place you in a brief hold? 

XXXX XXXX : Okay one moment. Thank you for holding XXXX XXXX I do appreciate your patience. Just checking to see if we have in the archives statement that I can possibly access to maybe send out those to you to give the information of the account. 

XXXX XXXX : Okay let me try again. Thank you for holding once again XXXX XXXX. I was just checking to see if I can access the information, unfortunately I was unable to. What I can do is I can reach out to customer service and see if they would have any access to the archive statement. 

XXXX : It sounds like you guys dont have the records any longer If you do n't have it then it must not exist because I actually spoke with customer service just now before you asking for the same information and they did not have it. 
XXXX XXXX : You did? 

XXXX : Yes. They transferred me to you guys. It sounds like you guys do n't have it. Okay, that 's fine. Okay, I appreciate it. I 'll just continue to research. Thank you. 

XXXX XXXX : Okay, all right thank you.
Product: Money transfer, virtual currency, or money service

I purchased XXXX of AMP coins on XX/XX/2021 The XXXX was pending until today. The money is gone and I never received the coins. I've tried resolving the issue with the company but their help center is automated and throws me in loop. I can't reach them for help.
Product: Mortgage

XXXX XXXX XXXX I, XXXX XXXX XXXX residing at property XXXX XXXX XXXX XXXX, XXXX, GA XXXX purchased the home in XXXX and refinanced it with XXXX XXXX Loan # XXXX on XXXX/XXXX/XXXX. That loan was sold to XXXX Loan # XXXX and was taken over by XXXX XXXX XXXX Loan # XXXX when they went under and held the loan for the years XXXX and XXXX then to XXXX Mortgage Loan # XXXX and to XXXX Loan # XXXX then eventually to Nationstar Mortgage - Loan # XXXX which is the current servicer. 
During the time the loan was being serviced by XXXX XXXX. I experienced some hardship and requested their assistance with a modification to avoid foreclosure when I was informed that they had not received any payments for at least 12 months with which I disagreed and thereafter received what seem to have amounted to a refinance for 30 years which included a second mortgage in the amount of XXXX. 
In XXXX I requested the assistance of the XXXX XXXX, a XXXX Certified non-profit counseling agency, to apply for a modification and was given a 3-month trial of which payments were made on-time and was offered a final modification with terms extending the balance to a 40-year loan maturing in XXXX which was to be signed and returned by a specific date. 
In reviewing these documents I noticed that an area was incomplete on the Agreement To Maintain Escrow Account ( page XXXX of XXXX ) and the balance in question seem incorrect from the years I owned the home. 
I am attaching documentation that may be helpful in getting to the bottom of my concerns in assisting me with my file. 
I appreciate your cooperation in this urgent matter. 
Regards XXXX XXXX XXXX Contact Information : XXXX Email : XXXXXXXXXXXX Encls : Nationstar Trial Modificaation Nationstar Final Modification XXXX Final Moiication XXXX Mortgage Interest Statements - XXXX XXXX XXXX - XXXX & XXXX - XXXX Mortgage - XXXX - XXXX Mortgage - XXXX and corrected XXXX - XXXX - XXXX XXXX Settlement Statement - XXXX XXXX Copies of bank statements can be provided if needed.
Product: Credit card or prepaid card

In XX/XX/2017, my wallet was stolen along with all of my identification and credit cards, including an XXXX XXXX issued by XXXX XXXX XXXX XXXX ( " XXXX '' ) were taken. 

Following this event, my XXXX XXXX was then used to make charges at different locations in Florida. For example, on a day in which I was working at my business in XXXX, XX/XX/2017, the card was used three times at XXXX in XXXX Florida. Fourteen separate charges were made out of my area between XXXX XXXX, none of which I made. 

I filed a police report with the City of XXXX Police Department, report number XXXX. I also alerted XXXX XXXX Fraud Department and faxed over further documentation. 

When I recently applied for a mortgage, I learned that, despite reporting the cards as stolen and having them canceled, the XXXX XXXX 's card continued to report to my credit as an open account that is over 90 days late, with a balance of over {$4300.00}. I disputed this information to the credit bureaus as fraudulent and provided paperwork. XXXX  deleted the account ; however, XXXX and XXXX XXXX left it continuing to report to my credit history because, they stated, XXXX 's " verified '' the balance as accurate and not the result of fraud. I am well aware the Fair Credit Reporting Act ( " FCRA '' ) requires XXXX to make a " reasonable '' investigation into disputes -- how exactly did they make anything even close to this?