23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems has been calling repeatedly : my office, my cell phone, my kids cell phone, my colleague. Also leaving voicemails and texting. 
They hung up on us when we refused to give the last 4 numbers of our social security number. 
They misrepresented themselves by saying they are a friend of mine. 
They keep texting, calling and leaving voicemails.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged {$200.00} on my Macy 's Amex Card for a XXXX XXXX comforter that I ordered online a few days prior. The order # was XXXX. When I had not received it by XX/XX/XXXX ( and my account stated 'In Transit ' ), I called customer service and was told that it had never been picked up by XXXX . The customer service agent then helped me to reorder the comforter on XX/XX/XXXX ( order # XXXX ). I did receive that comforter on XX/XX/XXXX. When I received my credit card statement in XXXX for the month of XXXX, I noticed that the XX/XX/XXXX charge of {$200.00} was still on my account. I contacted the Macys credit card department and was told that it had been returned for a gift card. I explained to them that it had never been received but the customer service people were not understanding the situation. 
Since XXXX, I have spoken with numerous reps through email and over the phone about this fraud. I have even been told that they can see it was returned by someone named XXXX and was already used ( not near where I live ). I know when they look into it, they can see that it was never delivered to my address and that I was not the person who 'returned ' it for a gift card. 
When I now sign into my Macy 's account, they have updated the transactions. The original comforter on XX/XX/XXXX says 'delivered ' and then 'refunded ' in a later transaction. And, the one ordered on XXXX is not listed in my account -- but I have the email order and delivery confirmation. It is beyond frustrating that I am going to have to pay {$200.00} for an item that I never received. And, the amount of time and energy that I have spent trying to contact an actual person in Macy 's who can try to understand the situation. I have been charged twice by Macy 's for a comforter that was only received once. The Macy 's customer service is TERRIBLE. 
Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. XXXX, which appears on my credit report, does not relate to any accounts that Ive had nor any transactions that Ive made.Im being accused for having a balance of over {$19000.00} for a vehicle Ive never had. This is a result of identity theft Please block this information from my credit report, Persuant to section 605B of Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Checking or savings account

They are still denying that its not their company can you see that sofi are not real same thing everybody is complaining about
Product: Debt collection

This company called XXXX has called myself, my mother and my sister. They are saying that they represent cash factory USA, and they are threatening to sue me in XXXX XXXX court in Wisconsin. 

They offer no proof that I owe this amount. 

Representatives at cash factory tell me that they sold my debt. 

Their number comes up on XXXX as being a potential debt collecting scam. 

They call themselves XXXX and they are using this number. 
XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inquiries from my credit report as I did not authorize them. I have included the identity theft report as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital One BankAttn : Credit Reporting Disputes [ Capital One Address ] [ City, State, ZIP Code ] Subject : Formal Dispute & Demand for Correction Account # XXXX Dear Capital One Disputes Department, I am writing to formally dispute the inaccurate and misleading reporting of my account # XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 and Consumer Financial Protection Bureau ( CFPB ) UDAAP regulations, you are required to report only accurate, verifiable, and non-misleading information. However, your current reporting of this account contains multiple violations that require immediate correction or removal.

1. Inaccurate & Misleading Reporting This account was settled for less than the full balance, yet it is still reported as : " Collection/Charge-Off '' with " Unpaid balance reported as a loss '' This is false, as the account was legally settled.

Conflicting remarks : " Account legally paid in full for less than the full balance '' vs. " Unpaid balance reported as a loss '' This is contradictory and misleads lenders.

Account Status Not Updated : The FCRA requires creditors to update an account accurately after settlement, yet you continue reporting it as derogatory.

2. Violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) - Failure to Update Paid Accounts Under federal law, settled accounts must be reported as Paid in Full or Settled, not Charge-Off or Unpaid. By failing to update my account correctly, Capital One is violating the Fair Credit Reporting Act and engaging in unfair credit reporting practices.

3. Violation of FCRA 1681i - Failure to Verify Disputed Information My credit report shows that this account was previously disputed, yet it remains incorrectly reported. If you can not verify the accuracy of the reported details, the FCRA requires deletion of the account from my report.

4. Violation of CFPB UDAAP Rule - Unfair Credit Reporting By continuing to report a settled account as negative, you are unfairly damaging my credit score, misleading lenders, and engaging in unfair and deceptive acts ( UDAAP ) under CFPB regulations.

Demand for Immediate Resolution Given these violations, I formally request that you immediately correct or remove this account from my credit report. You must : Update the account to reflect Settled in Full or Paid as Agreed.

Remove all misleading remarks, including " Charge-Off '' and " Unpaid Balance Reported as a Loss. '' If you can not verify the accuracy of this account under FCRA 1681i, you must delete it.

Provide written confirmation of this correction within 30 days.

Next Steps If you fail to comply within 30 days, I will : File a Consumer Financial Protection Bureau ( CFPB ) complaint against Capital One. Report Capital One to the XXXX XXXX XXXX XXXX XXXX XXXX for unfair credit practices. Consider legal action for FCRA violations, seeking damages for incorrect reporting.

I expect a timely resolution and a response confirming correction. Please send written confirmation to the address provided above. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, the Navy Federal Credit Union, XXXX, MD, accepted a check fraudulently drawn on my bank account at XXXX XXXX. The original check was signed by XXXX XXXX, my spouse/joint account owner, and made out to XXXX in the amount of {$34.00}. The check was altered, naming the payee as XXXX XXXX, with an amount of {$6800.00}. My wife 's signature was forged. Navy FCU stamped the back of the check with " XXXX. '' Upon discovering the forgery, my wife and I notified XXXX XXXX, produced affidavits, etc. So far, XXXX XXXX advises that we pursue relief from Navy FCU. Navy FCU has been aware of this fraud since at least XX/XX/2021, when they contacted me about it by automated voicemail. Despite my many attempts to contact Navy FCU about this, the FCU has refused to discuss it. It appears the NAVY FCU payed the check without adequately confirming the payee 's identity. If XXXX XXXX has or had an account, then FCU should have recovered the funds from him upon discovering the fraud. If XXXX XXXX was not a customer when the check was presented, Navy FCU should not have paid it. Another possibility is that a person other than XXXX XXXX presented the check. I would appreciate your assistance with this matter.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act ( FCRA ) Account # XXXX has violated my rights Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Product: Debt collection

None of my debts are in collection and I use my phone for business. CKS Financial has been using different phone numbers to call my phone and the frequency is increasing despite me telling them several times to quit calling me. Yesterday CKS used the phone number XXXX and today they used XXXX. They have attempted using other numbers over the last two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I received my account balance from XXXX XXXX XXXX in the amount of ( {$910.00} ). Prior to receiving the invoice, I had moved from I moved XXXX to XXXX mid-February due to the impacted XXXX had on my immediate XXXX. Because of the move I was unemployed until XXXX 2021. 
Therefore, I wasn't able to pay the balance of the invoice until XXXX of 2021. I mailed the check to XXXX XXXX for the balance and did think much about it ( balance paid in full ). In XXXX I was personally dealing and experiencing XXXX XXXX ; one member of my household tested positive for XXXX and XXXX which placed our focus on overcoming XXXX 
In XX/XX/2021, received an e-mail notification advising me that a collection agency had report onto my account for an unpaid balance of {$910.00}. I immediately contacted XXXX  XXXX XXXX and spoke with XXXX the office XXXX on XX/XX/2021 to inquire about ( XXXX XXXX reporting and explained that I had mailed the balance in XX/XX/2021 and aplogized for not confirming the check was cashed and explained how my family and I had been dealing with XXXX XXXXrom XXXX to sometime in XXXX. The office XXXX stated the check was never received and advised that if I take care of the balance that day she will accept payment and have the collection agency remove the collection account from the credit bureau ( Outside sources ). I made the payment and XXXX e-mailed the receipt from XXXX XXXX XXXX and the next from days e-mailed me the request to have ( XXXX ) remove the account collection/outsources. 
With that said, I contacted on XXXX and Experian ( XX/XX/2021 ) and opened a dispute and provided both Credit Bueres with the pay receipt from XXXX XXXX XXXX and uploaded on ( XX/XX/2021 ) the e-mail from the office XXXX to have ( XXXX  ) remove the account from my report ( outsources ) as XXXX XXXX agreed to accept the payment and not take any other actions. 
On today 's day XX/XX/2021, Experian sent a resolution email stated they had updated my credit report with balance paid but refusing to remove the collection account from my credit report, XXXX accepted the documentation and has removed the collection from my report. I contacted Experian again and explained what was uploaded to my Experian disputed that I paid the original account holder and have never owed the agency any money and the account holder agrees to not take actions against me personally since the account was paid in full. 
XXXX has received the e-mail from XXXX XXXX XXXX asking them to remove my account from collections and obviously refused to do so.
Product: Debt collection

I have been going back and forth with Outsource Receivables Management about a debt they have attempted to charge me with. As we continue to go back and forth about us not having any association with the car being abandoned and towed. We sold the car in XXXX of XXXX. We have absolutely no ties with this car. I have been told that we are tired because we are listed on the registration then we proceed documentation that shows we removed the registration on XX/XX/2020. However, I was then told well I was towed to the VIN number because the people we had sold the car never registered the car. First off, no where does it state in the Utah Code for Motor vehicle that we have to have the new owners register the car. 41-1A-702 of Motor vehicle act states once you sign the title that the ownership is transferred.Once the car title was signed by XXXX and the new owner that was it. As well as when the car was found the police officer that came down reported that there was no further action required. We went above and beyond just signing the title, we removed the registration, removed the insurance, removed the plates before they took it, as well as reported the car as sold. Here is the documentation from the Utah State tax commission- Division of Motor Vehicles stating that we reported the car as sold.
Product: Checking or savings account

On XX/XX/XXXX or XXXX I was notified of an attempted charge on my card by instacart. I DENIED this charge and informed them it was NOT ME. 

XX/XX/XXXX - I was then fraudulently charged for {$100.00} from " instacart '' after informing my bank it was not an authorized charge. I have not had this service in over two years and I did not approve this charge. My bank completely ignored this fact. 

I called chime to file a dispute. Several days later, after no response, I called again, and they had no record of my dispute. I filed the dispute a SECOND TIME. Still after a week passed with no response. I reached out a third time, only to be told my claim was denied with no further details, and there had been XXXX contact with me regarding this. I was told that I could appeal by submitting documentation. I had already submitted all relevant documentation. I also contacted instacart, and had a very similar experience. No call back, information about my case was lost. I have called them several times with no response regarding this. I am desperate to have this resolved. Bottom line : I was charges for an annual subscription for an account that isn't mine after already warning my bank about the charges the first time it was attempted.
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. XXXX, XXXX and TransUnion are required to authenticate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Product: Mortgage

I applied for loan modification last year with the help of a hud counselor. The bank is Flagstar bank. They put me on 4 months of pretrial payments which I made. They approved me for final modification starting XXXX of this year. They requested a power of attorney which I had an attorney prepared fro me and the reason they says is because my husband was XXXX and I signed the medication application without him which they were ok with at the beginning when the hud counselor asked. I got that document for then signed by my husband which allows me to proceed. I made my first modified payment in XXXX and XXXX, and each time I called I asked what was going on. They said they were trying to take my husband off the mortgage and deciding with underwriter /lawyer and the rep said they will get back to me. I called numerous times leaving messages for my point of contact who never called or emailed me any information. I was waiting and I called and was on top of everything. I realized that something was going on and no one was calling me back. I even requested to talk to the manager who never called me back to complain about my point of contact. They started to talk about a quit claim deed ( I called the lawyer who prepared my Power of attorney paperwork he told me the cost ) He then called the next day and said why is this bank ( Flagstar ) asking your for a quit claim deed he said your husband is not on the deed just you. He said If they look on the XXXX XXXX website they could pull the info. The bank has now requested me to reapply for the modification so I had to gather documents again, I delivered all of it to my hud counselor. I call the bank two times to let them know and to clarify why they need a quit claim deed but no one never called me back. I was upset and frustrated because the deadline to have all documents in was until XX/XX/2019. I called and spoke to a rep that asked if I was divorcing or giving up my house I said no. She said I should write a letter stating that I had no intentions of divorcing and my husband is XXXX which I had mention in my hardship letter. I pulled the document form the XXXX XXXX website to show I am sole owner of my home. My hud counselor sent in all the documents around mid this week via fax and email. I finally received a call from my new point of contact XXXX who said they are now reviewing the documents and then In 5 days it will go to underwriter. I decided to call back my hud counselor and explained what was going on. 
I called to make my XXXX payment and the rep told me that I am in preforeclosure and could not accept my payment. I was really upset because the bank received everything and now asking for another document which did not seem necessary and expensive on me. I feel there has been serious lack of communication, and I have XXXX kids and struggling on my own. I applied for a modification to get help to stay in my home not to loose my home. Please help me and others. this in unfair practice. My credit is also messed up because of this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah, XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. Upon reviewing my report, I noticed several discrepancies that need to be corrected. Below are the details of the accounts in question and the reasons for my dispute : XXXX XXXX Account Issue : The report indicates a charge-off of {$250.00}, but I paid this account in full before the charge-off date. The status should reflect " Paid in Full '' rather than " Potentially Negative. '' Requested Correction : Update the status to reflect the accurate payment history and remove the negative designation. 
XXXX  Account ( Date Opened : XX/XX/XXXX ) Issue : This account shows as open and {$1300.00} past due, but the account opening date is listed as XX/XX/XXXX, which is incorrect. It is impossible for this account to have been opened in the future. 
Requested Correction : Verify the correct opening date for this account and remove any inaccurate past-due balance if the account is improperly reported. 
XXXXXXXX XXXX XXXX  Account Issue : The account reflects a charge-off of {$710.00}, but I never opened an account with XXXXXXXX XXXX. This appears to be a case of mistaken identity or fraudulent reporting. 
Requested Correction : Remove this account entirely from my credit report as it is not mine. 
I have attached copies of supporting documents, including proof of payment and identification, to assist with your investigation. Please conduct a thorough review of these accounts and correct any inaccuracies. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within 30 days. Please provide me with a written response outlining the results of your investigation and an updated copy of my credit report once the corrections have been made. 
Thank you for your prompt attention to this matter. Should you require additional information, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX  XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX  at approximately XXXX XXXX XXXX  I received a notification from XXXX that my credit report freeze had been lifted. I called TransUnion at XXXX ( XXXX ) - XXXX and spoke with a representative to explain that my credit freeze had been lifted without my permission. The first representative that I spoke with escalated and forwarded my call to the special handling department. After a long hold, I spoke with XXXX and set up a verbal password to have my credit freeze frozen. 

On XXXX around XXXX XXXX XXXXXXXX, I received another notification from XXXX that my TransUnion credit freeze had been lifted again. I called ( XXXX ) XXXX again and replaced my freeze and was told that my first call was not escalated and forwarded to the correct department.
Product: Debt collection

A collections account was added onto my credit file that I had no idea of. It was from the company " Transworld System Inc ''. According to XXXX, it was opened XX/XX/XXXX and is now pronounced passed due as of XX/XX/XXXX. This is not my debt, and I have never worked with a company called Transworld System nor taken out a loan of any sort in my name. I first had tried to dispute it on XXXX, but the report came back saying the collection was verified as accurate. Then, they called me asking about the debt. I told them it was not mine, and they told me to file a police report of identity theft. I have yet to do so, I wasn't sure if I report it to the police or another organization.
Product: Credit reporting or other personal consumer reports

Over the last several years I have requested Experian remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX in an effort to circumvent they list the address without the apartment number now as- XXXX XXXX XXXX XXXX XXXX ( No XXXX XXXX ) XXXX AZ XXXX. This is inaccurate has been for several years and I have contacted XXXX XXXX who has agreed to sign an affidavit I never lived in # XXXX because he has been there since 2009 with his girlfriend XXXX XXXX, public records included with this complaint also show this. They pushed back on XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXX, which was my ex wifes place of residence. She was prepared to sign an affidavit as well.