23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is regarding the Macy 's store credit card miss handling of payments made to the account by Macys. On XXXX made purchase in store using the credit card ending in XXXX and on the same day made cash payment in store for the same amount. I have the receipts for both purchase and payment both showing the account number correctly. However, Macys has somehow applied the purchase and payment to XXXX different accounts separately showing the as if we owe Macys a payment. Not knowing this I remained under the impression that there is no outstanding balance to pay until I kept receiving automated system dialed calls asking me to call back regarding an important business matter. I made the call into Macys customer service on XX/XX/XXXX when they have mentioned that they have misapplied the payment to wrong account and they will correct it and my balance owed is XXXX. At this time I have looked at my statement for this account which showed a debit balance on my account as if I have an amount to be refunded to me. So after talking to customer service and based on what they have suggest to me that this will be corrected and I do not have to worry. 

But surprisingly they have posted series of wrong transactions to my account mysteriously with the amount totaling to double what I have already paid and showing that I now owe them money. But did only realize these incorrect transactions on my account again when I started receiving automated calls from Macys again. So this time I tried to keep calling them and keep reporting and requesting to correct the situation. I have tried to explain and beg them to do some research on their side as to what happened and find the details in vein but they appeared to not committed to resolve this issue. Every time I call, a different representative will answer the call and I explain them again time and time again. But they do not seems to have any clue as to what is happening and never resolved. Every time I called they mentioned that they will open a dispute but I keep receiving calls from the collection agents in the meantime. Unfortunately, every time I call them only to find out no dispute was opened and there were no notes to that effect and I request dispute to be opened again. 
The last time I called them on XX/XX/XXXX and talked to the customer service supervisors explaining the situation and requesting again to look into what is happening. Instead of investigating into this issue they have neither communicated any outcome of the dispute nor resolved the issue. To make things more worse for me I kept receiving collection calls hundreds of times and make my life even miserable with they reported this to the credit bureaus affecting the my credit negatively and kept adding the late fee and finance charges on my account. This is really troubling and adversely affecting my work and family having to deal with these issues despite me making the payment timely and did not owe any amount at all to Macys. 
I am attaching the
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting : XXXX XXXX/XXXX-Date of Inquiry XX/XX/2020 2020
Product: Credit card

On XXXX XXXX, XXXX my husband and I made concurrent purchases on our credit cards XXXX. We made these purchases on a 36 Month promotion plan, as long as these payments are made on time no interest is to be charged to the account. We have made all payments on time. To date my husbands account is charged {$22.00} per month interest. When I contact the bank ( synchrony bank @ XXXX ) they tell us to go to XXXX and talk to them and XXXX has to send them information in order to make this correction. We have been to XXXX 6 different times to no avail ... ... they will tell us the information has been sent to synchrony bank and it will be reflected in our next XXXX3 statements, and it never has been. XXXX however has never discredited the fact that this was purchased on a 36 month promotion and there should be XXXX interest charged to his account. They say they do n't understand why we are still paying interest on a 36 month promotion. When we contact synchrony bank they tell us they have not received this information and again they tell us to go back to XXXX. We as consumers feel it is time for this game to be over. I MADE XXXX LAST ATTEMT TO TRY AND RESOLVE THIS MATTER ON SATURDAY XXXX XXXX, XXXX. I contacted synchrony and spoke with XXXX a supervisor there explained the situation again even going to XXXX 6 times and XXXX said go back to XXXX they are not showing this is account on a promotion. I contacted XXXX by phone @ XXXX and spoke with XXXX ( that is the name I was given ) I explained everything else to her again and I was told someone would call me back ... .well no one ever did.We are tired of playing this game and are certainly not going to loose {$310.00} in bogus interest payments.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and unauthorized accounts and inquiries have appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts and inquiries from my credit file : Fraudulent Accounts XXXX. XXXX XXXX XXXX Account No. XXXX XX/XX/XXXX Balance : {$130.00} XXXX. XXXX XXXX XXXX Account No. XXXX XX/XX/XXXX Balance : {$560.00} XXXX. XXXX XXXX XXXX Account No. XXXX XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX XXXX Account No. XXXX XX/XX/XXXX Balance : {$290.00} XXXX. XXXX XXXX XXXX Bank Account No. XXXX XX/XX/XXXX Balance : {$820.00} XXXX. XXXX XXXX XXXX Account No. XXXX XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX XXXX ( XXXX ) Account No. XXXX XX/XX/XXXX Balance : {$290.00} XXXX. XXXX XXXX XXXX Account No. XXXX XX/XX/XXXX Balance : {$560.00} XXXX. XXXX Account No. XXXX XX/XX/XXXX Balance : {$690.00} XXXX. XXXX XXXX XXXX Account No. XXXX XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX XXXX  XXXX Account No. XXXX XX/XX/XXXX Balance : {$570.00} Fraudulent Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with XXXX, XXXX, and Trans Union several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.
Product: Debt collection

I contacted Amsher Collections as they appeared on my credit report [ I had no idea who they were ]. I asked for validation of debt. They emailed me the amount and stated the debt was from XXXX. When I asked for more information, validation of the debt, and the original signed contract with my signature, they did not provide any additional information. They had their attorney contact me via email stating the matter had been placed with their law firm and stated I should contact them to assist with the matter.
Product: Prepaid card

I got scammed online by a company pretending to be XXXX XXXX XXXX XXXX, I didnt actually see that anything was purchased, but the funds came from my account... I've been trying to locate the fraudulent company, but I'm not finding anyways to contact them, everything is telling me to ask my bank for a refund.. my bank keeps telling to go to the merchant, when there is bo merchant.
Product: Credit reporting or other personal consumer reports

Under 15 USC1692G Everything being reporting on these companies is incorrect and I am demanding they must removed. I have disputed these accounts multiple times and I have Never received any validation on any of them. I also noticed the dates on all debts states last payments were on XXXX yet XXXX and XXXX have not removed them from my account. I also observed that all the accounts have been sold to another lender therefore I no longer owe this debt to any of these accounts and must be removed by FCRA laws. XXXX XXXX accounts to include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be removed as well. XXXX XXXX. Please remove. XXXX PLEASE REMOVE. XXXX XXXX REMOVE, XXXX XXXX remove. all of these accounts have not been removed from credit report as requested. XXXX AND XXXX have failed to do their jobs. And mostly all say last payment XXXX it has been over 7 years old and never validated all sold debt to another lender. These accounts SHOULD NOT BE ON MY CREDIT REPORT. REMOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because of a problem I am having with a credit repair company Lexington law, which I hired last year to work on my credit issues. The company took my money for a year and showed nothing by way of results or even activity. When I called them to inquire as to what they were doing they would tell me that they were working on it and would only call me when they wanted money from me and to continue to sell their progress on my behalf. During the time I was under work contract with them nothing ever changed that I didn't initiate myself. And when they tried to take credit for changes in my file that I did as a result of on time payments or other small disputes for accuracy they actually tried to tell me this was the result of their efforts on my behalf and I would correct them and tell them it was not.

In the time that I was with them nothing ever changed, I was never contacted by a credit reporting company or a collector to negotiate or settle an account. Lexington Law took my money and fed me  lies in order to continue billing me. By my estimation they deducted close to {$1300.00} dollars and change from my bank and never did anything. They charged me for a months work in advance when I canceled. I am disgusted with this process and nothing was ever done. No results at all. I would like my money back from this company because they took advantage of me. I am asking this agency to help me with this problem.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error on my credit report that incorrectly reflects my payment history. Upon reviewing my credit report, I noticed that it indicates a late payment associated with my account XXXX. However, I can confirm that I have never missed a payment or made a late payment on this account or any other accounts I hold. 

To resolve this matter, I request that you investigate this discrepancy and update my credit report accordingly. I have spoken to XXXX XXXX my creditor and had any unattended late payments removed from my account statements, which support my claim of an impeccable payment history. 

XXXX is only creditor I have had that has reported a late chrage in my credit history life. On XXXX XXXX they reported my account as deliquent for {$850.00}, however I had already submitted my payment to them on the morining of XX/XX/year> @ {$150.00}. On XX/XX/XXXX @ XXXX they agree to remove the late fee and late charge event however they aren't updating my crdit report. This is causing a major financial issue right now as I deal with XXXX XXXX XXXX XXXX XXXX 

Thank you for your assistance.
Product: Mortgage

This property has sat unoccupied and with little maintenance by the Owner/Property Manager for several months. The Association has had to take over property maintenance and has incurred fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have commented that the appearance of this property has detracted from the value of their property.
Product: Debt collection

XXXX, XXXX, XXXX  XXXX attempts to collect from XXXX individuals with federally protected, exempt funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX, and XXXX about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.
Product: Mortgage

Bank of America informed the credit agencies under my credit history that my VA mortgage went into repossession or foreclosure. I paid off my loan with the sale of my house in XX/XX/XXXX. I challenge Bank of America in XXXX of XXXX when I was trying to qualify for a XXXX loan. BOA did not make a correction at my request, and sent me a letter dated XX/XX/XXXX.
Product: Checking or savings account

Opened a business checking account with a {$200.00} cash bonus promotion if {$1000.00} in new money was deposited within 90 days. I have not received the bonus as advertised even though I deposited the required amount of new money with the 90 day time frame.
Product: Debt collection

I WAS A PART THE XXXX BREACH, SO MUCH ACCOUNT ARE OPEN ON XXXX, XXXX, XXXX WITH OUT MY KNOWLEDGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old account with XXXX XXXX XXXX and Mid West Recovery Systems. I contacted both of the agencies and settled to pay my bills in full. I asked that a letter stating I paid in full be sent to me and that the item be cleared from all three credit bureaus. It has been weeks now and it's still there. I held up to my part and I would like them to do the same and remove the item IMMEDIATELY.
Product: Checking or savings account

i bought a phone from XXXX XXXXXXXX on XXXX of XXXX XXXX it didnt go through so they refunded me my money back on XXXX i was told not only dose the tranactuion not show in my chime account at all but chime says it was refunded and i spent it, i payed close attention to my account aftwer the purchess and id was not refunded to my account but was taken out.
Product: Prepaid card

I lost my pre-paid debt card from rush a replacement was sent to me within 9 days and i was not able to activate my card. I had my direct deposit in my account a week previous. I was told that rush card was going through a systems upgrade and since their systems were down their activation line wasnt working i was locked out of my account and couldnt view it. And after waiting on hold for several hours after being hung up on multiple times by rushes automatic phone system. I was told by customer service i would just have to wait until it came back up and no time line was given but until then i couldnt access my funds. I called daily for nine days before i saw a post on social media telling me to reset my account at this point now having XXXX checks direct deposited that i couldnt access. I was finally after day ten able to email rush my account info my account was unlocked i was able to remove my money. Im now late on my.car payment rent phone bill and cable with delinquent fees. And now i have to pay a XXXX dollar down payment on my phone due to a service interruption. This has severely disrupted my life i had to borrow from friends and family to feed my son. Rush should not be allowed to block people from their accounts for ten plus days with no viable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Bankruptcy Reference : XXXX, US BANKRUPTCY COURT- XXXX , Chapter XXXX has violated my rights. 

The time for this has expired and should have been removed. 

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 reporting or other personal consumer reports

I'm writing to discuss a problem I found on my credit report. It says I was late with two payments on an account XX/XX/23 and XX/XX/23, but that's not true. I always paid on time. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof that I was late? If you can't, I need you to fix the mistake and say I paid on time. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies XXXX XXXX and Experian has not investigated and has not looked at my attachments and see that there are duplicate accounts and there is errors by ignoring the attachments that I sent to them to investigate. XXXX XXXX XXXX has reported twice on my credit report for the balance of {$670.00} and the amount due balance is {$670.00} on these account # XXXX. I have a XXXX XXXXXXXX XXXX report that states that the last reported update was XX/XX/XXXX for the balance amount of {$570.00} and amount past due of {$150.00}. If this actual document of evidence that I provide today XX/XX/XXXX is not shown as accurate that I know that this is done intentionally and that no one is actually investigating my account. I demand these duplicate accounts showing a balance from {$670.00} be deleted and removed for my credit report.
Product: Credit reporting or other personal consumer reports

This is very frustrating. There are a lot of errors on my credit report, some even has missing information- my requests to correct these remain unaddressed which had detrimental effects on both my life and credit. My credit score is really important to me and having incorrect information on it causes me stress and being rejected on my new credit applications.
Product: Mortgage

Applied for refinance on home with Wells Fargo. After two months and {$600.00} later on my closing date, I was told I did not meet the requirements for a HARP loan. They knew this within the first five minutes of the first call to them. My credit score was XXXX points to low to even be considered for a HARP refinance loan. Yet, the had me faxing, running up to the bank, copying and sending, emailing etc. for two months leading me to think I would be approved. I feel I was taken advantage of and scammed of my {$600.00} thru unethical practices they have going on.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. This is a violation of XXXX XXXX XXXX for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I recently pulled my credit report to find numerous fraudulent and unauthorized inquiries on my PUBLIC transunion profile. 


This is hurting my financial health and is HURTING MY ABILITY TO HAVE A HOME AND TRAVEL IN ORDER TO WORK. 


Under FCRA law I have a right to privacy and my permission in the form of a signature is required to pull my credit report or add accounts to it. I HAVE NOT SIGNED ANYTHING OR GAVE WRITTEN CONSENT FOR ANY OF THESE ACCOUNTS. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) giving permission for each of these accounts. 


If you are unable to that proof within a reasonable time YOU MUST DELETE EACH OF THESE ACCOUNTS OFF MY REPORT IMMEDIATELY. 
I have made a complaint with identitytheft.gov, the FTC, CFPB and my states attorney general. 
( THIS LETTER IS BEING SENT ON XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/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 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