23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a new home phone number XX/XX/XXXX. Since then I have been receiving calls from Macy 's Credit Operations concerning a person named XXXX XXXX. I have told them each time that there is no XXXX XXXX at this phone number, but they continued calling. Finally, I decided to write down the date and phone number of each call. They are as follows : XXXX XXXX ( 2 times ), XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I was contacted through a phone call by a debt collector whom never identified themselves as such. They began the phone call with something similar to, " I am calling in regards to your outstanding XXXX balance. '' Because I was deceived into believing it was the pharmacy, I confirmed my personal information. Then the collector attempted to transfer me to the billing department to collect payment, without informing me it was the billing department of a collections agency. Instead I tried to pay my XXXX bill online. When I attempted to do so I learned my debt had been sent to collections. That's when I realized that the company I had just spoken with had actually deceived me through misrepresentation to get my personal information. In this misrepresentation the company attempted to collect a debt without properly identifying themselves as a debt collection agency, and instead mislead me to believe it was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware when I checked my credit report that this debt collector under the name of HUNTER WARFIELD INC. has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.
Product: Credit card

a letter came in the mail. Synchrony Bank asking to verify identity ask they sent a text requesting a picture of the DL License and I worry about identity theft. Is that illegal only Federal Government use this APP. I worry about identity theft from this Bank. Please investigate if looked into other bank accounts, I press charges. Please warn all Banks of possible identity theft it's furniture store credit. Strangle it ask picture of me and denied application suspcious.
Product: Credit card or prepaid card

I purchased over {$2000.00} in furniture from XXXX XXXX using the store credit card issued by XXXX XXXX on the promise that I would receive {$200.00} in rewards I could use at XXXX XXXX. We ordered the furniture in XX/XX/XXXX, our card was charged on XX/XX/XXXX. As you can see from the attached statements, we had a {$25.00} reward certificate with the XX/XX/XXXX statement and an additional {$170.00} certificate with the XX/XX/XXXX statement. However, when I tried to redeem them I was told that the account had been closed and the {$170.00} certificate was no longer valid. I was not notified that the account was being closed or that the certificate was no longer valid. I contacted XXXX XXXX and they referred me to XXXX XXXX as the card issuer. When I contacted XXXX, they told me the account was closed and as a result, the most recent certificate was no longer valid. I did not close the account, it was still active and carrying a balance, and in good standing. The account will be paid to zero on the next due date, XX/XX/2019, and I don't understand why if I can make payments on the account I can't use an unexpired reward certificate. This is unacceptable. I expect either a store credit or for the certificates XXXX has already awarded to be honored. XXXX has been completely uncooperative in resolving this or even explaining why an active account was closed without notice.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX  XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not investigate an account on my credit profile for XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX
Product: Credit reporting or other personal consumer reports

There is a bankruptcy reporting on my credit report by XXXX, TransUnion, and XXXX. I contacted the bankruptcy court to see if they share that kind of information with reporting agencies, they said no. I sent letters at the end of XXXX to each reporting agency to have the bankruptcy removed since they are reporting from an inaccurate source ( I included the letter from the bankruptcy court saying they don't release that information to the public ) and have not heard back. I filed a complaint with the Attorney General as well. 

Having this bankruptcy inaccurately reported to my credit report is causing me emotional distress and is stopping my ability to attain credit for my business. They did not obtain this information from an accurate source and I would like it to be promptly removed from my credit report.
Product: Money transfer, virtual currency, or money service

I have XXXX Pay Pal accounts XXXX : XXXX XXXX XXXX XXXX account Which does show up when I log in- But the customers purchasing my novel online from XXXX XXXX XXXX site for " XXXX XXXX XXXX XXXX " the funds from customers does not show up in this account as it should XXXX : My personal account XXXX XXXX XXXX XXXX not show up at all? I can not find it! 
PleaseCould you trace this transaction to my personal account- The name of the account is XXXX XXXX XXXX XXXX ID # XXXX Please let me know why this account is not showing up online. advise I repeatedly requested Pay Pal for help to rectify the issue, Paypal reps give me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times in order to correct erroneous information found on my report. The first time they replied with a stall tactic email stating they did not believe the mail was from me even though I accompanied the mail with copies of identification and proof of residence. After sending multiple letters requesting that my personal information be updated and any other information taken off of their platform I was simply ignored. I am requesting this due to privacy reasons and the fear that my information will be used fraudulently. I have also requested the specific submittal of information on how accounts were verified, as in with whom, when, where, how contact was made. These request were also ignored. I have requested that if verification of these items can not be produced, then to removed them from my credit file immediately. This has also been ignored. The last round of letters I have mailed to Equifax were mailed out on XX/XX/2023 and XXXX certified mail tracking shows that they were delivered on XX/XX/XXXX, and XXXX 2023. These letters were sent out XXXX certified mail and I am able to provide tracking. The credit reporting agencies have an obligation to consumers to report any and all information correctly and truthfully. Equifax has not been doing that for me at all, and has simple just ignored my request for investigation into these accounts. I have attached all documents sent to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account XXXX is reporting inaccurately by Transunion on my credit report. It is showing as an open account however it is in Collection/Charge off status. Transunion continues to toggle the account back and forth between reporting as opened and closed. The last payment date is incorrect and it is still reporting late payments among other inaccuracies. I have disputed this inaccurate account multiple times over the past few months in writing and over the phone and Transunion has refused to report accurately. My consumer rights are being violated. I have detailed records of all my disputes which I have sent certified mail.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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. 
Account name : XXXX XXXX XXXX # XXXX, 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 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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : BMW FIN SVC XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Checking or savings account

My bank fixed then reversed fix on fraud taking place on accounts I have with bank
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX I utilized the free, online platform, XXXX, to arrange for cleaning services for my home. I booked the appointment on the website and when the contractors completed their work, I submitted an online payment of {$240.00} to the XXXX online payment portal. As soon as I did this, the contractors informed me they do NOT accept payments via XXXX and that all payments would need to be received directly. So, I paid the contractors directly, and they informed me I needed to cancel the previously submitted payment to XXXX. On XX/XX/XXXX I opened an American Express dispute claim to request them to have the merchant refund me the payment I'd submitted for the cleaning services. 

Although I provided evidence that I made a duplicate payment for the same service, American Express is NOT closing the claim in my favor. Here we are almost 120 days later, and my dispute with American Express is still pending and I have not received any refund for this duplicate payment. I provided American Express with RECEIPTS of me paying the contractors directly. I also provided evidence that the contractors NEVER received a payout from XXXX for the services they performed for me. The contractors even tried to call XXXX to inform them that I paid for my services directly, but American Express is refusing to chargeback the {$240.00} duplicate payment back to me.
Product: Student loan

Loan Open Date : XX/XX/2009 Loan Amount : {$8300.00} As a recent XXXX XXXX XXXX, I was not sure what I wanted to do with my life. I decided to go to XXXX XXXX for information about the programs they offered. Their commercials drew me in because they mentioned they had a high rate of obtaining employment after graduation. Their sales/recruiters were super friendly and pushy. I only went for information ; however, they did not let me leave until I signed up for one of their programs. 

I was young and nave. I was also at a point where I wasnt sure what I wanted to do with my life, and I felt that they were leading me in the right direction. I told them I was interested in Technology or Computer Science a
nd they advised me to pursue a degree in Computer Drafting and Design. At first, I told them I didnt know anything about that program, and I wasnt comfortable about pursuing a career in that field. They assured me it was similar to what I wanted to do. I took their word for it and enrolled in that program. I attended for about a year and the program was not what I was told it would be. I met with a counselor and she changed me to another program, however, I enrolled halfway through the course and could not catch up. I didnt want to quit especially after taking out an {$8000.00} loan but I had no choice. I felt that I was set up for failure. As a result, I went into a deep XXXX and contemplated XXXX. 
Its not fair that 10 years later, I am still paying for something that I felt forced into and for a school that is obsolete and has no credibility. I cant say I am shocked to see that school close down because their sales tactics were misleading and deceptive. They also tricked many people into taking out high-cost loans without understanding the terms and conditions for paying them back.
Product: Credit reporting or other personal consumer reports

I have been disputing with XXXX, XXXX and Experian this XXXX XXXX XXXX Account ( XXXX ) since XX/XX/XXXX. I have sent 4 dispute letters. XXXX and XXXX have deleted this erroneous account from my credit report that has apparently been open since XXXX. Experian has not. 

I requested account level documentation from XXXX and have not received anything. I called into their customer service multiple times just this week alone and spoke with multiple representatives. According to their records no account exists with my name or social. Why then is this account reporting on my consumer report? I was supposed to receive a call from their manager whose name I was told was XXXX. I have not yet received a call. Please remove this erroneous account from my consumer report. It is not mine and I have never had an account with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX  OPENED XX/XX/XXXX, XXXX XXXX  OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX SERVICE OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX OPENED XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX OPENED XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX, 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: Student loan

I was with XXXX and Navient. During these times I asked multiple times if there was a plan that I could possibly be on to lower my payments however they continued to tell me my only option was Forbearance. Even when I was in XXXX XXXX in XXXX and XXXX they informed me that I had to go into forbearance as I was a full time employee. Another time when I filed bankruptcy I asked not to be in any type of forbearance as I knew my loans could not be discharged thru a bankruptcy so I didnt want to accrue more interest however I was again informed that my loans could not be collected on during a bankruptcy. I do believe these forbearance periods would have been ones that would count towards my XXXX program. 

I think this is very unfair as I never said I didnt want to pay I was asking the knowledgeable staff at Navient and XXXX to guide me not lie to me in order for my loans to rack up on interest charges.
Product: Vehicle loan or lease

On XX/XX/XXXX with whitestone financial I started the loan for a 24 month term at XXXX. My loan stayed current up until XX/XX/XXXX when it was past time for my payoff. The company stated that they went an added interest to a loan that was paid off due to a mistake of theirs for not adding in my loan. They went back 2.5 years worth interest which would cause me to double pay on the car. This is illegal and not fair. I told them I could not afford to repay for the car so they took the car and put it as a voluntary repo on my credit
Product: Payday loan, title loan, or personal loan

I paid off the loan a while ago, and since then I had a full refund issued. 

I have been told for the past 2 months that I would be receiving the refund of {$700.00}, and it just never happens. I have been told numerous times that someone would be reaching out by this date or that date, and nothing. 

I have copies of the refund being confirmed and issued by the vendor as well. 

It has become apparent that they have no intention to actually issue my refund on this. 

I am not sure where to go from here, or if this is even the proper venue for it, but any help/guidance would be appreciated. 

Best, XXXX XXXX
Product: Debt collection

I had to visit the emergency room in XXXX of 2020. I was under the impression my insurance paid for the visit as I never received a statement or bill. Ive been trying to contact XXXX XXXX, a company that has purchased the collection debt I assume. Ive asked for written paperwork and statements showing I owe on this but Ive received nothing. Ive tried disputing through XXXX XXXX and I never get a response. Im trying to buy a house next year and need this off my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

i try to buy i car when dealer pull my credit show an account dont belongs to me i call XXXX  XXXX XXXX talk to 4 different agent but not one were able to help also car expirian not luck as well
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information to the XXXX credit bureaus. I am enclosing copies of XXXX credit reports to show the inaccurate information being reported. I have called and tried to word with XXXX XXXX XXXX to get this problem resolved, but they keep saying the information is correct. By law, the information being reported on my credit report is inaccurate and needs to be removed. XXXX XXXX XXXX is reporting that I have late payments XXXX days late. On XXXX credit bureaus it show XX/XX/year> in good standing then XX/XX/year>, is XXXX and XXXX days late. Then XXXX XXXX XXXX and XXXX days late. I am not sure how you can report good standing XXXX month and then the next month be XXXX or XXXX days late. I want this inaccurate information removed from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I may have checked some boxes improperly to move forward to this page, but there were no clear choices for my specific complaint. 
My complaint is about the entire industry and how and what they report on. 
Case in point : I have run a business for over 45 years, recently retired, savings to live off of till Social Security is taken, home paid for and no debt, which is the goal in life isn't it. 
I choose to buy based on my ability to pay, not to run live my life in debt. Because of this I am being discriminated against by XXXX and other credit reporting companies by their reporting of information that is as they state " Hurting my Fico score ''. 
Example : On XXXX they state that I have an insufficient number of accounts that are currently being paid as agreed. To my knowledge I have no accounts complaining of non payment as agreed. They state that I only have two accounts and that to be a FICO High Achiever I need an average of 6 accounts being paid as agreed. I have no need for more accounts as I pay as I go. I think this is definitely discrimination against me and how I wish to live my life. If someone is going to report information about me, then I as a tax payer and consumer should have a say in what and how my personal information is reported, not some financial institution that wants to skew my information to suit their needs. My experience in running a business told me to stay away from clients who were overextended. A great example of this is my younger brother who for the last 20 years has carried credit card debt in excess of {$80000.00}, making the payment but being unable to get out from beneath its burden. His XXXX score has always been much higher than mine as he is feeding the system. The bottom line is that I choose to not live a life of debt like most American and the US government and I feel I am being discriminated for it. Any information you have for me that explains otherwise would be greatly appreciated as this has been a bad taste in my mouth for 25 plus years, and now that I am semiretired I finally have time to voice my opinion about it. Too many accounts has driven our government to cause inflation, another tax on Americans, is haviong more accounts really a good thing? 
Thank You for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a notice of dispute with XXXX XXXX XXXX. I ahve no knowledge of this account belong to XXXX XXXX XXXX. I have never signed a contract or made any transaction with XXXX XXXX as well as XXXX XXXX, XXXX as a debt collector.
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.

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 t
he report by more than seven 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 informationisinaccurate.