23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I originally made a complaint on this website on XX/XX/year>. I received feedback from a representative who I thought could help me with this matter, but I was sadly mistaken. I waited a while before reaching out to her using the contact information she provided. On XX/XX/year>, I called and spoke to XXXX, who answered the phone rudely. I explained my situation, and she told me that I had to go through XXXX XXXX, as he was the only XXXX who could handle my account. I dont understand what makes my account so special. 

When I tried to explain again, she rudely put me on mutenot hold but mute, as I could hear the background noise. She then transferred me to XXXX XXXX, who spoke very quickly. I explained that I was trying to speak with XXXX XXXX. He aggressively repeated his previous statements, implying that my concerns didnt matter. I was literally reading her response to him, but he quickly cut me off, saying, " Not to cut you off, but ... '' At that point, he had already interrupted me. 

He then informed me that XXXX XXXX wasnt available and that he wasn't sure what she could do since my account was with XXXX XXXX. He advised me to call back the next day between XXXX XXXX and XXXX XXXX. Fast forward to today, during my lunch break, I called again, this time asking to speak with XXXX XXXX. Once again, I was greeted by an employee who had an attitude and asked if I was trying to reach XXXX XXXX for employment. I explained my situation again and was told about contacting XXXX XXXX. 

I reiterated the response from my complaint but was transferred back to XXXX XXXX, who asked if I had spoken with him yesterday. He informed me that he couldn't provide any further information because XXXX XXXX was the only XXXX who could access my account. He then placed me on a brief hold to inform me that XXXX XXXX wasnt available and that I should try calling back in a few hours. This left me with the impression that if I called back, I would continue to face this frustrating cycle. 

I am extremely dissatisfied with this company. I requested validation regarding the amount I owe, but they only provided a sheet of paper that I could have created myself. I have written proof that someone was willing to assist me, but now that representative seems to have disappeared, and the rest of the staff is acting as if she doesnt exist.
Product: Credit card or prepaid card

I tried 2 days ago to order a replacement card as mine has worn out. I go online to do so and the system says I need to call in as it 's " ineligible '' for replacement. I call 3 times today to try and fix. The first time I get hung up on. The second time I just get placed on hold and then end up hanging up. The third time I 'm not allowed to speak wit h a manager and I 'm to ld there is high call volume. I sit and wait until I end up hanging up. I 'm online now chatting and they state they can not assist me and have to have me call  AGAIN. I  advised I would not call in again and must have this rectified.
Product: Checking or savings account

Hello, I have been a loyal customer of Regions Bank in XXXX, TN, for the past 20 years. Recently, the bank withdrew {$72000.00} from my account without my permission or prior notice. As a XXXX XXXX XXXX  I rely on these funds to pay my employees and meet my SBA payment obligations. This unexpected withdrawal has put me in a dire financial situation, jeopardizing my ability to run my business. 

I consider this action to be lender fraud, as there was no communication from the bank regarding the withdrawal of these funds. I urgently request that Regions Bank return the {$72000.00} to my account immediately, as my payroll is due, and failure to pay it will result in default.

Instead of supporting small businesses, Regions Bank 's actions are causing significant harm. I am concerned that this may be a targeted action againsXXXX XXXX businesses. I would like the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and file damages against the lender. 

Thank you for your prompt attention to this urgent issue. 

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

Equifax have ASSUMED a vital role pursuant to 15 usc 1681 ( 3 ) of my consumer reports and has been violating my privacy without my consent pursuant to 15 usc 1681 ( 4 ) & 15 usc 1681b ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX Bankruptcy XXXXXXXX XXXX Bankruptcy, 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. section2 : States a consumer reporting agency can not furnish a account without my written consent TransUnion XXXX XXXX Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX XXXX Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BK CT-EAST DIST MIC Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - Bankruptcy TransUnion XXXX XXXX Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy Status : Dismissed Dismissed Dismissed Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - XXXX  Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BK CT-EAST DIST MIC Federal Liability XXXX {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : -
Product: Money transfer, virtual currency, or money service

In 2016 me an my wife were defrauded. Bank of America didn't really care what happened and still reported us to XXXX XXXX created a real hurdle for us to find another bank account after the scam forced us into bankruptcy. Not sure if we can make a case to sue them so doing everything I can to find justice by other means.
Product: Credit reporting or other personal consumer reports

Based on : 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after the date of receipt.

Under 15 U.S code 1681e ( b ) and 15 U.S 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. These accounts have violated my rights.

Pursuant to 15 U.S.C 1681 section 602 A, I have a right to privacy.

Pursuant to 15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries listed on my credit report. I have reviewed my credit report and noticed that there are inquiries that I believe were made without my consent or were made incorrectly. Specifically, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, I did not authorize this hard inquiry, nor was I notified in advance of it. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, including unauthorized hard inquiries. These inquiries have negatively impacted my credit score, and I request that they be removed immediately.

In addition, according to 15 U.S.C. 1681b, a hard inquiry may only be made if I have given express permission for it. In this case, I did not grant permission for the inquiries listed on my credit report, and they appear to have been reported in error. 

I am requesting that the companies involved review the inquiries in question and remove them from my credit report if they can not provide proof that they were authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have my current address incorrect. The address XXXX XXXX XXXX XXXX in XXXX XXXX Missouri XXXX is a property that XXXX XXXX owns. 
My Address is XXXX XXXX XXXX XXXX XXXX Missouri XXXX. 
I have asked them to change this for several years and they ignore me.
Product: Credit reporting

XXXX, XXXX the vendor attempted to bill for services and used a wrong address and telephone number, confirmed by XXXX the bookeeper XXXX. All vendors were paid by XXXX, I have never received any written communication from the vendor proving the insurance carrier has not paid the supposed outstanding amount
Product: Debt collection

sent dispute letter to creditor, fraud affidavits regarding debt, no response
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am writing to have the following information removed from my report. I have viewed my credit report and noticed there are accounts and addresses that appear inaccurate, nor does it belong to me. I have listed all accounts and addresses that appear inaccurate and were not authorized by me in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request to Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDNELNET and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transferred and Closed : The account was officially transferred and closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account transfer led to the inaccurate reporting of late payments from XX/XX/XXXX to XX/XX/XXXX, which should not be attributed to me. 
On-Time Payments Prior to Transfer : I have always made my payments on time prior to the transfer of this account. The incorrect reporting of a XXXX late payment does not align with my history of responsible financial behavior, as all obligations were met before the account was transferred. 
Dispute Already Filed and Marked as Resolved : I previously filed a dispute regarding this issue, which was marked as resolved. However, the late payment entries remain incorrectly on my credit report, indicating that the issue was not properly addressed. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Full honesty, I screwed up awhile ago, fell behind on payments, but over the last year was on time with every payment, and the cards are paid off in full now, and have been since XXXX and XXXX ( two separate cards ) Contacted Capital One through chat, and have a transcript of the conversation, and XXXX agent said the card could be unrestricted and it should be taken care of in a few days, checked back a couple days later, nope, and this time I 'm told they ca n't or wont, I wrote the president of the company, and explained the situation. 
Gave up dealing with them, the account is in good standing now, and has been for over a year. 

I understand I screwed up back then but I fixed it, so why am I not allowed to use the account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an arrangement and kept it to pay off the loan with JD BYRIDER. It is still showing on my credit report as a judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for this companies, i don't have any contracts with my signature, I believe, that i was victim of Identity Theft, somebody stole my personal information and applied for this.
Product: Credit card

I have a Macys Credit Card. They have me on electronic statements. I usually go to their credit website once per month - see my statements, and current balances - and pay what is due. To avoid interest - if I purchased furniture - I pay off the minimum due in the length of time allowed for the special purchase. 

The problem is this : for the last week Macy 's credit website is not working. I ca n't see ANYTHING about my credit balance, statement, payments. I ca n't make or schedule a payment. I have a screen shot of the error that occurs. This is happening to everyone - yet Macy 's is NOT being forthright and honest and upfront about it. There is nothing whatsoever on their regular site indicating a problem with the credit site. In fact the error that occurs appears to blame the issue on the customer " an error has occurred - time to call customer service ''. Ridiculous. I finally went into the Macy 's store where I requested a Manager. She was unable to personally get into her Macy 's account on the website either. NO COMMUNICATION WAS SENT TO THE STORE MANAGERS THAT THERE WAS A CREDIT SITE ISSUE. She called Customer service on my behalf and got the runaround - and incorrect information - and what we all get when calling Macy 's customer service. They acted like " what, the credit site is down? ". She refused to give up and told them - YES, the credit site is down. They finally relented - and said - YES, the credit site is down. This is Macys Customer Service? Who the customer is directed to call when receiving the error that the credit site is down? AFTER XXXX DAYS OF BEING DOWN? And they act like it 's news to them? The Store Manager requested that I be put back on paper statements so I could avoid the hassle of the site being down. At first she got the run-around AGAIN from Macy 's Customer Service - they told her they could not do it - and that I had to do it ONLINE AT THE CREDIT SITE. Yes, the credit site that has been DOWN FOR XXXX days. She made it clear how absurd that was - and they finally relented and switched me to paper statements. But this will take several months. So, I have to make a blind payment - without knowing whether the amount is correct for me to avoid interest. I have no idea what I have been charged - what transactions posted to my credit card - nothing. What is the most frustrating is that Macys appears to be hiding this from consumers. Most legitimate banks and stores - post information about their website technical difficulties and downtimes on their site. Macy 's says nothing. After XXXX days - nothing on their site - and I still ca n't get into their credit site. I have gone online and found others who are having the exact same issue. I would not be surprised if Macy 's denies that there is even an issue. If this complaint allows me to attach documents I will show the error screens received when I try and login to the Macy 's credit site.
Product: Debt collection

Continuously call my place of employment despite the fact I have told them not to do so. Scheduled court when I was in the hospital getting XXXX. The debt has been paid
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and put a security freezer on my credit report accounts were taken off then put back on showing opened from a different date
Product: Money transfer, virtual currency, or money service

Im not sure when but I did see that money was sent and I know I didnt.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I opened an account with PayPal.com so a customer that owed me money should be able to pay me with his CC, on the same day, PayPal approved the account and the customer received the invoice and paid. 
Originally PayPal said that they will keep the money for 7 days, since it's a new account, on XX/XX/XXXX the day that they were supposed to release the money I got an email saying that they don't want to do business with me. which is ( not ) okay, but they said they're holding the money for 180 days, I tried calling, and there is no one to talk to. 
I asked them to refund the customer, they said they'll still charge the fee, besides, it's not possible to do that either. 
So at this time, no option to refund the customer, they're not allowing me to withdraw the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX  ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX bank XXXX ..Please send me original signed copies from parent company XXXX  ... ..I am not a home owner. who are these people XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent company
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries result from a data breach or fraud, and I demand verifiable proof bearing my signature or electronic signature. 

This letter is submitted personally, not through a third party, so I request your careful review. I never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under : Fair Credit Reporting Act ( FCRA ) 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ]. 
FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
Upon contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Because I never authorized them, they are inaccurate and must be removed. Their reporting is the result of a data breach or unauthorized disclosure by creditors or third-party data furnishers. 

Please take immediate action to investigate and correct these inaccuracies. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

I have consistently been charged a late fee in the amount of {$37.00} since XX/XX/2023, which was the first month of my loan. I accrued actual late fees in XXXX and XX/XX/2023 in the amounts if {$18.00} each, which I paid on top of the monthly {$37.00} fee. When speaking to a customer service representative, they said this {$37.00} was being held in a variance account and it was never applied. This did not make sense to me as the fee started in XXXX and I never received a late fee until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX, Equifax, and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXXshall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX