23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a credit card with Macy 's, account number ending XXXX. I used that card to purchase a product. I subsequently returned the product. Macy 's posted a credit to my account for the value of the returned product. I later used a portion of the credit to purchase another product. I now have a credit of {$120.00} on my account. 
I called Macy 's and asked them to send me a check for the credit balance. They refused to do so and told me that I can only use the credit to purchase additional goods at Macy 's. I do not need any additional purchases and do not feel that it is acceptable to refuse to send me a check for the balance. Why should I be forced to buy something at their store just to get my funds back. That is a ridiculous policy. They took the funds from me for a good purchased. I returned the good and they, in turn, should return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX  XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Product: Debt collection

My employer recently contacted me about a garnishment from a debt collector from a debt in 2008. I was never contacted about this, its 12 years old
Product: Student loan

I filed my application to change from the XXXX plan to the XXXX program in XXXX 2016. 
I made my payments under the XXXX plan for the following months : XXXX XXXX XXXX For XXXX 's payment, according to the regulations and my application, I received a forbearance until XXXX XXXX, 2016 ( one day prior to XXXX payment being due ). I paid the {$5.00} reduced, forbearance payment. 
I called last week to inquire what the status of the application was and how much my payment would be after the forbearance ended. The person with whom I spoke told me I was still under the standard repayment plan and I would not be in the new plan for another month, which is contrary to my application and the regulations. 
I am still in the dark about whether a payment is due for XXXX and what the amount will be. If no payment is due, I am now off another month from making a payment towards my XXXX XXXX XXXX XXXX. 
Please contact me as soon as possible to discuss this matter.
Product: Credit reporting

This is a fraudulent account on my credit report, the XXXX XXXX have already satisfied this negative remark on my acct as being paid off, please remove this, also a XXXX should n't be on my report, another fraudulent activity on my credit report.
Product: Debt collection

1.I have never had an account with this company PROGRESSIVE MANAGEMENT SYSTEMS XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PROGRESSIVE MANAGEMENT SYSTEMS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Money transfer, virtual currency, or money service

I invested XXXX dollars between XX/XX/XXXX and XX/XX/XXXX I started investing shortly after. Then my account went under review from what they told me should have taken 7-10 days took closer to 3 months. They froze my money because they could not confirm the legitimacy of my money after I sent them bank statements showing that the card was mine they deactivated my account. Not only can I not call them they took majority of the money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a home loan, but my lender told me that they received a fraud alert notification on just my Equifax, the other bureaus released my credit with no issues. I contacted Equifax for the first time in XXXX. On XX/XX/2020 I called Equifax about the issue and they said that I do not have an account with them, or they do not have my correct information. So I sent my driver 's license, social security card, and current address with a cover letter explaining that I wanted to verify my identity and remove the fraud alert from my account. I received a letter XXXX XXXX from Equifax stating that I still do not have a file with them and it could be because I have not had a credit line.This is false because I have a car loan from XXXX XXXX XXXX XXXX XXXX and I have student loans. I called them again on XXXX XXXX to see what else I can do, and they said to call my bank and make sure they are reporting to Equifax. I called my bank on XXXX XXXX and a representative told me that they do report to all three credit bureaus including Equifax, they also sent me a letter confirming my car loan and on time payment history. Equifax says there is nothing they can do because I have no credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019 ; XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Debt collection

XX/XX/XXXX My ex-husband told me he received a phone call ( voicemail ) referencing his date of birth, and saying they were looking for me for check fraud and his name was associated with the fraud. We have been divorced since XX/XX/XXXX.
XX/XX/XXXX I received a voicemail from a Ms. XXXX, who claimed to be a " Licensed Locator '' in XXXX XXXX County. She said she had papers to serve me at my residence, referenced an address I have not lived in in more than 3 years. Then stated that if I could not be served at my home, they would have to serve me at my place of employment. It was suggested that I, or an attorney should call the " Plaintiff 's '' office. 

When I did call the number and give the referenced " Case '' number, I was told that was not the correct number and that they could not control who the locator called and what was said to whom. 

The company was ARA, and the individual I spoke to claimed that it was not an acronym, that 's the name and would not give me a mailing address. He did not give me further information because he said that I had an incorrect case number.
Product: Mortgage

Last year ( XXXX ), my escrow account paid a total tax is {$8800.00} for my new house. However, the loan company ( Lakeview Loan Servicing , LLC ) forecasted the tax number would be {$14000.00} for this year ( XXXX ). They claimed the XXXX tax is not based on a full assessment which doesn't make sense to me.
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 and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX Balance {$400.00}
Product: Debt collection

SouthWest Credit Systems partial Account # XXXX Was sent USPostal Certified Mail on XX/XX/2023 with no response to settling the debt
Product: Student loan

I have 12 student loans that are serviced by Navient. On my credit report it shows 90 days late for 12 accounts. As you can imagine this has very adversely effected my credit score and future endeavors. It shows 90 days late in XXXX, XXXX and XXXX of XXXX. These payments were to have been in " in school deferral '' as I was enrolled in XXXX  XXXX University at XXXX and also accepted into XXXX  College finishing my XXXX certificate. There was not a 6 month lapse in my enrollment during any of these transfers. I finished one semester in XXXX of XXXX ( attached statement for the classes ) and was enrolled in XXXX College to pursue my XXXX XXXX by XXXX of XXXX. I have contacted this company several times in XXXX ( XXXX, XXXX and again in XXXX ) and also in XXXX of XXXX concerning this matter. These should not be reported as late pays on my credit report, I was enrolled in school and also well within the 6 month deferral period before I was transferred. I asked for these to be removed and sent requests via dispute the credit agencies, but yet nothing was done and these are currently very adversely effecting my credit score. The agency when I was done with school ( between my bachelors and certification, and also the year I took off to have my son ) would push me into deferrals when I was attempting to do an IBR plan so that I could begin making headway on this debt and after several attempts I am now in an IBR plan. I request again that these negative reports are removed from my credit report on ALL 12 accounts. I do have dated acceptance letters from the college ( XX/XX/XXXX for XXXX and XX/XX/XXXX for acceptance into the fast track program at XXXX College ) I also have a statement dated XX/XX/XXXX for the payment of my fall semester ( XX/XX/XXXX-XX/XX/XXXX ) to XXXX. 

I request that this be removed from my credit report as late pays and adjusted as current for these time periods as accordingly to the facts of the matter. I also request that any late fees be adjusted to the loans for this time period. As stated I requested IBR for several years as to get started on payment of these loans and was told to do deferral instead, and now I am five years after first requesting it in an IBR plan and when running my credit for a home purchase discover these late pays that were incorrectly reported and again are VERY adversely effecting my credit score and future. 

Thank you so much for an assistance in this matter and please let me know if I need to forward any of the information.
Product: Credit card or prepaid card

I got no notice that my credit limit decreased by over XXXX XXXX I only used 37 % of my limit. No late fees. I pay early. And pay more than the minimum. Out of nowhere now my card is maxed out with no warning or reason. I called the company. They said the credit bureau XXXX had the reason. To call them. I did that. XXXX said theres no problem with my report, its in excellent standing, and that its the company, citi, doing it. I call the company back. They have no answer for me. I had a XXXX limit. And they brought it down to where Im maxed out. I have a Citi XXXX and never will again. Ive been working so hard to keep my credit good and bring it back up to excellent standing. And now its going to go down for literally NO reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts, XXXX XXXX XXXX ,X/XX/16 ,XXXX $
Product: Credit reporting or other personal consumer reports

Yes for the pass few must I have did a dispute for National Credit and for XXXX XXXX XXXX XXXX XXXX XXXX I have been doing to do the dispute to let them know that the landlord of XXXX XXXX XXXX XXXX XXXX  and I went to court and that it was settled to owing nothing and no evidence on my credit. The landlord still put it on my credit and I am unable to get a place to stay because the National Credit and the Apartment complex keep denying it I have been trying to apply for apartments and can't get it because of that.
Product: Money transfer, virtual currency, or money service

i have been trying to take my money out of coinbase but they would simply not let me. Coinbase keeps saying that I need to verify my address and such information and which is what i have been trying for 3 months. They continuosly give me automated messages and today i just received an email saying that I cant email them directly anymore. I have roughly {$3600.00} dollars in there. It is not a small amount of money. I need to be able to take it out and use it.
Product: Credit reporting or other personal consumer reports

Please remove the following unauthorized inquiries from my credit report. 

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

In accordance with the fair reporting credit act this creditor has violated my rights under 15USC 1581 section 602 states I have the right to privacy 15USC 1681 section 604A section 2 it also states a consume reporting agency can not firmest an account without my written instruction under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have noticed numerous inaccuracies regarding late payments and negative items on XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX  account # XXXX would like all late payments with discrepancies to be deleted from my consumer report as well as all negative closed accounts. 

XXXX15 U.S.C 1681E ( Compliance Procedures ) Section B states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX15 U.S.C 1681 ( A ) ( 2 ) ( A ) ( 1 ) Exclusions : States the consumer report does not include reports containing information solely as to transactions or experiences between consumer and the person making the report. 

XXXX15 U.S.C 6802 ( Obligations with respect to disclosure of personal information ) : states a financial institution may not directly or through any affiliate disclose to a non affiliated third party any non public personal information. 

XXXX15U.S.C 1681section 602 ( A ) : States consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy. 

XXXX15 U.S.C 1681 section 604 ( A ) : States a consumer reporting agency can not furnish an account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several years I have been disputing an account on my credit repirt that is not mine. the account shows discrempencies and I have placed a fraud alert and filed a identity theft report with FTC. I have asked for the contact that I signed for account and the credit repait companies transunion XXXX and XXXX have not sent me that validation information nor have they removed this from my report
Product: Vehicle loan or lease

American Credit Acceptance loan number XXXX has cheated and committed fraud in the way they handled my car financing. I did a voluntary surrender of vehicle XXXX XXXX XXXX financed by them at {$7000.00} at 24 per cent interest rate. I paid {$2000.00} cash down payment. 

XXXX XXXX XXXX received the car back on XXXX XXXX, XXXX. The sold the car at an Auction for {$2000.00} selling the car for less the XXXX XXXX XXXX XXXX XXXX of {$6000.00}. Now they state I owe them an additional {$5000.00}. 

American Credit Acceptance stated they were going to give me a credit of {$1000.00} because the used car dealer XXXX XXXX XXXX tried to overcharge me for the car in the beginning of the transaction. 

I never received the {$1000.00} credit American Credit Acceptance stated was coming off the price of the car. 

American Credit Acceptance has Committed Criminal Fraud in the way they have handled my Loan. 

They are trying to make Double what the car was actually worth. I Lost {$2000.00}, I lost the car, and my Credit ScorXXXX went from XXXX down to XXXX. American Credit Acceptance should not be in business. 

I want an Investigation into the way they Handled My Loan and Also I want them Deleted Off My Credit Report. 

Waiting for your reply. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I discovered fraudulent activity on this card in XX/XX/XXXX for {$220.00}. 
I contacted the company to report the fraudulent transactions with no resolve.
Product: Credit reporting or other personal consumer reports

Identity Theft Dispute Regarding Medical I am writing to formally dispute the inaccurate information related to a medical bill appearing on my credit report. I believe this account is the result of identity theft. This dispute is being filed under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically : XXXX. 15 U.S.C. 1681c-2 - Under this section, I am entitled to request the blocking of information resulting from identity theft on my credit report. 
XXXX. 15 U.S.C. 1681i ( a ) - I am requesting an immediate reinvestigation of the disputed information. 
XXXX. 15 U.S.C. 1681g - As part of this dispute, I request all information used in reporting this item to be provided to me. 


As evidence of identity theft, I have attached the following documents : XXXX. A copy of my identity theft report filed with the FTC XXXX. A copy of my government-issued ID. 
XXXX. Proof of residence Under 15 U.S.C. 1681c-2, I request that you : Block the fraudulent account from my credit report immediately. 
Reinvestigate this matter under 15 U.S.C. 1681i and remove the inaccurate information.

Provide me with a copy of your investigation results under 15 U.S.C. 1681g.

Please be advised that failure to comply with these obligations within the FCRAs specified timeframes may result in further actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  on XX/XX/2021 and I came home XX/XX/2021 when I came home I checked my credit score and I seen it dropping drastically as I looked more into I seen that fraud was taken place on my account. I didnt know what to do so I was told to contact here.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 sec 602A. I have a right to privacy.

15 USC 1681 604A sec 2 consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information : any adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.