23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me None of these employers belong to me XXXX XXXX does not belong to me XXXX XXXX does not belong to me XXXX does not belong to me
Product: Mortgage

The Money source my current mortgage holder is stating verbally via telephone ( XXXX ID # XXXX ) that they made XXXX tax payments One for {$1200.00} XX/XX/2016 which the town hall confirms and one for {$1300.00} XX/XX/2016 which the town hall states they have no record of. In spending approx. 3 hours on the phone with The Money Source being bounced around to locate the return check # for payout or proof of payout as the Town hall encouraged me to do, I had no resolve. I called the town hall on 3 way with XXXX on the line as she stated she was unable to reach them. The clerk XXXX at the town hall asked for a return check # to confirm/research payment. She was told they sent out payments in mass checks and she was unable to provide that info. I asked XXXX to transfer me to speak to a supervisor in which I was denied due to, they were unavailable because they were in a meeting. She then told me she could take my name and number and they could call me back within 24-48 business hours and that she would send out to the research dept. to find resolve. After approx. 3 hours on the phone, taking the day out of work to resolve the issue I am very upset that in speaking to 3 people at the Money Source no-one could provide me with proof of payment to the town hall in The amount of {$130000.00} telling me that it is available on my statement. That is not proof of payment!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Date Opened : XX/XX/2023 Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6200.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX : {$1500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$6200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I contacted Macy 's Credit card customer support via chat on XX/XX/year>, regarding an unexpected interest charge of {$180.00} on my account. 

I inquired about an interest charge despite having AutoPay set up for {$65.00} per month, which was more than the stated minimum payment of {$30.00}. The agent XXXX XXXX, informed me that my required payment was actually XXXX, and since I had only paid {$65.00}, I was charged {$180.00} in interest. 

I explained that I was advised at the time of purchase that paying around {$61.00} per month would prevent interest from accruing. To be safe, I set up AutoPay for {$65.00}. 

I never received any notification that my required payment had increased beyond this amount. Had I been informed, I would have immediately paid the additional {$17.00} to avoid the {$180.00} charge. 

The agent acknowledged the issue but stated that interest charges are applied " systematically '' and are " part of the process ''. They apologized for the miscommunication but did not provide a resolution or offer to remove or adjust the charge. 

I was misinformed at the time of purchase about the necessary payment to avoid interest. I was not notified of an increase in my required payment. I was charged an excessive {$180.00} in interest for a {$17.00} shortfall. The company refused to acknowledge or rectify the issue beyond apology. 

I kindly request an investigation into Macy 's billing practices, particularly regarding unclear payment requirements and failure to notify customers of necessary payment adjustments to avoid interest charges. I seek a reversal of the interest charge and improved consumer protections to prevent similar issues for others. 

Thank you for your time and consideration. I appreciate the work you do to ensure fair financial practices for consumers.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Debt collection

In XX/XX/2022, I sent Resurgent/LVNV an affidavit of truth to respond to, but I never received a response. 

Within my affidavit, I laid out the facts of my consumer rights that were violated. LVNV/Resurgent has not responded within 30 days of my dispute which also is a violation.

Attached, you will find documentation sent to the company outlining violations, exhibit showing the violations as well an invoice for the violations. 

Tracking number for the certified letter is ( XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by XXXX XXXX XXXX XXXX, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. 

Best regards, I remain
Product: Debt collection

I am writing to formally dispute items reported by Experian on my credit report that have not been validated as required by law. I have requested the process and documentation used to validate the accuracy of these debts on three separate occasions, and they failed to provide this information while continuing to report these items on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX ( The amount on this account has went up and down several times ) How can the amount on a closed account keep changing from XXXX?
Product: Checking or savings account

I wanted to open bank account at Truist with XXXX dollars bonus. 
After I filled application, I received a confirmation that account is opened and I have to wait a confirmation in mailbox. At the same time I got account number and promo code after filling application. 
I tried to log in in the bank app and it offered to me to activate my account first by visiting one the branches. I visited a branch and was told that my account is closed and I can be ever their client because it was confirmed that I do fraud operations. And they gave me a phone number for a fraud services. I called this number and they can't help and only recommended to visit a branch. 
I bielive they just don't want to give a bonus. But the way they are working is iterally a scam. Don't recommend their service. And my credit score went down. I never ever had one payment for any of my credit cards. Truist services should be regulated and audited by government
Product: Credit reporting

Experian credit bureau has been putting false information on my credit report for over ten years. my attorney and I worked with their XXXX XXXX in XXXX Texas who works in the special services branch to correct these problems recently I was notified that my mortgage VA refi was denied due to alleged fraudulent reporting by experian to the lender. 
these false reports included showing false hard credit inquiries where experian double counts credit applications for the same car purchase on the same date as XXXX inquires when XXXX if from the dealer and XXXX from the credit union on XXXX XXXX, 2014. 
second they show fraudulent hard credit inquiries from equifax credit bureau that is being done by other companies that i have never applied for credit and experian is doing the same thing. 
3. the show too high balances on accounts yet their same report shows my credit utilization as being less than XXXX percent.. 

4. level of deliiquency on accounts when there is no delinguency. I notified experian of my dispute with wyndham resorts and diamond resorts for timeshare loan fraud and breach of contract. these were XXXX to IRS long ago and my property was confiscated by both companies in excess of {$200000.00}. 
5. they report length of time too short yet I have had my XXXX bank credit card for 13 years and never missed a payment. experiena reports only 7 years which is totally false. 

6. credit balances to high but that is n ot true either. .this has been going on for over a decade and is violating my rights under the FCRA XXXX allegedly to keep me in the subprime mortgage mortgaeg with a substandard credit score using falsified information. 

7. maintaining credit history for decades or years that should be removed or drop off my credit file. 
8 removal of my statement placed in my file that I am a XXXX veteran from the XXXX XXXX. 
9. reinsertion of data removed years ago that has been reinserted and maintaining lender inquiries from companies I have never done business with or credit applications with.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Hyundai credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. XXXX, before the Consumer Financial Protection Bureau XXXX 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with Hyundai. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that Hyundai reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with Hyundai from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX score dropped 25 points due to Navient reporting my account as closed. Per my XXXX credit score, it was reported XX/XX/18. When I checked my score XX/XX/18 is when I noticed it had dropped. My loan in currently deferred, so it should not show as closed, as that is inaccurate reporting.When I check XXXX XXXX, which using a different scoring module, it shows open, as it should. I have called Navient and was told they " have nothing to do with that ''
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX
Product: Debt collection

On XXXX/XXXX/16 I noticed a significant amount of money missing from my daughter 's and I checking account ( she is primary ). I then pulled up my bank info and seen that there was a debit for {$1200.00} on XXXX/XXXX/16 w/ XXXX others legal fees of {$120.00} and {$150.00}. I went to the bank to get any info I could and all they could provide me was a phone #. I called and was prompted to contact my employer directly ( garnishee ) My employer received no notification of such action being taken, nor had I. I finally googled the phone # to find a website of a law firm/debt collector. I filed a complaint on that website stating that I received absolutely no notification of this action and wanted the my daughter 's funds returned to the account and that I can only communicate by email until XXXX due to my work hours and would be able to take calls after XXXX. I noticed about 10 minutes after XXXX I missed that phone call at XXXX XXXX ( I was n't even logged out of my work computer ) This morning I sent another message to them to wait at least 8 min after XXXX so I am clear to answer my phone. 
I still do not know what this debt is for or if it is even legitimate. 
The law firm whom debited funds belonging to my daughter is Guglielmo and Associates in XXXX, AZ XXXX. 
I appreciate any assistance I can get. Thank you, XXXX
Product: Money transfer, virtual currency, or money service

Sending money to the wrong person on Zelle. I essentially couldnt my money back.
Product: Debt collection

I had a mortgage with XXXX XXXX in XXXX, they sold the mortgage since to XXXX XXXX XXXX. then they sold it to XXXX XXXX XXXX XXXX XXXX. then they sold it to XXXX XXXX XXXX. I am fully up to date with XXXX not late however with XXXX XXXX, and XXXX, and XXXX they are still reporting negative information about the account that is over XXXX  years of age. the 3 credit bureaus wont removed from my account its past the statue of reporting 7 years. Experian, XXXX, XXXX. I have tried to have them removed but they will not. 

XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX XXXX This item remained unchanged from our processing of your dispute in XXXX XXXXXXXX XXXX 
XXXX XXXX This item was updated from our processing of your dispute in XXXX XXXX The original mortgage XXXX XXXX is not reporting they informed me it's too old.
Product: Debt collection

XXXX was the company I had a planned with from XXXX. Once my contract was up. I decided to go else where. Their phones was paid for and the ones that needed return was done so. They sent me to collections to a company named Enhanced Recovery on XX/XX/2021 Account number XXXX that's when they said I have to paid {$1100.00} this was never owed and should not be on my credit report.
Product: Vehicle loan or lease

I applied for financing with " Toyota Financial Services '' for an auto loan on XX/XX/year> thought XXXX Toyota in XXXX  XXXX. I was told I was refused financing based on fraud and or not being able to verify identity. When I asked what " fraud '' they can't say because the dealership says it was denied by Toyota Financial Services and they don't know. When I call Toyota Financial Services, they can't give me any information because I don't have a loan. They refer me back to the dealership. I just want to know " what '' kind of fraud? I gave them all the information someone would when applying for an auto loan. I think I would have a right to know so I can address it. 

A week ago this also happened to me in XXXX XXXX TN when I tried to purchase a vehicle, denied for fraud, not explained, nothing. 

I live in Florida, and have been shopping outside of XXXX Toyota Financial, because of lower interest rates offered in these areas, not to mention selection. 

I have taken numerous hits to my credit, which is excellent, which will now suffer because of Toyota Financial Services. 

Beware of shopping around for the best deal, including interest rates, with Toyota.
Product: Debt collection

This company is illegally trying to collect a debt. XXXX XXXX already removed from credit profile due to identity theft, this will be removed or will file lawsuit against collection agency.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report through Credit Bureaus. Despite my persistent efforts, the fraudulent entries persist, causing significant distress and adversely impacting my financial standing. 

The continued presence of fraudulent items on my credit report is not only inaccurate but also poses a severe threat to my financial well-being. I have attached supporting documentation for each attempt made to rectify this situation, emphasizing the urgency and gravity of the matter. 

I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit report to identify and remove all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I understand the importance of maintaining accurate credit information, and these inaccuracies are adversely affecting my ability to access financial services and secure favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$740.00}.
Product: Credit card

can not get a transaction listing from Citi. I need a transaction list of my account. The transaction list will show my activity in my account. I believe there is some fraudulent activity, Identity thief or errors in their account receivable and accounts payable. My bank and account will send op to ten years of data, site refuses to send any data. 
I need to check for fraud to end a dispute I think this is the only way to periodically check for hacking of ID theft, banks and other financial institution seem to readily provide their customers transaction information at any time, why wo n't CITI? Such activity allows citizens to assist in law inforcement
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!