23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019, I submitted an application for a credit card with American Express XXXX XXXX. After purchasing a air ticket on XXXX with the new credit card account XXXX temporary account ), the publicity said that I should receive {$200.00} credit back on my statement after 2 or 3 billing cycles ( due XX/XX/XXXX ). Since then, I called the company multiple times and had a few chat conversations with Amex to ask I did not receive the credit. For my surprise, today, after 4 months, the company refused to give me the credit back, alleging that my credit history with AMEX was not satisfactory based on introductory offers and other products. I asked for a detailed explanation and the agent said that this was all for the moment. I felt completely misled by this bad publicity. I opened the account to get the credit back, and for some unknown reason, I did not get anything at all.
Product: Debt collection

Hello I have been subjected to ongoing harassment by Macy 's credit card division since at least XX/XX/2019. Their latest action is what prompted me to file this complaint. 

On XX/XX/XXXX I spoke with Citibank which apparently handles debt collection for Macy 's, or at least that's what they claimed in a letter signed by XXXX XXXX SVP at Citibank. Their representative offered me to enter into the settlement of the debt. I attached the letter from Mr XXXX with this complaint. According to the letter once I paid {$110.00}, I won't owe anything to Macy 's.

However, today I got a letter from Macy 's demanding that I pay them {$140.00}. The letter is also attached with this complaint. Amusingly, the letter mentions that I'm enrolled in a settlement agreement, and in the summary of activity also shows that I already paid them settled amount {$110.00}!

I am planning to sue the Macy 's in small claim court for their brazen harassment, but wanted to bring your attention to their practices. 

thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EQUIFAX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report from XXXX  and XXXX and I was shocked to see a previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX XXXX XXXX fraudulent account ( Acc no : XXXX ) and Grandview Financial Services ( Acc no : XXXX ) were disputed and deleted in XX/XX/2020. However, XXXX  and XXXX  reinserted the fraudulent accounts after a month without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the same name as my father. There are inquiries not mine as well as accounts/tradelines that are there when I was XXXX years old. 

Sometimes items from him get onto my report. I also have had my computer/phone hacked before.
Product: Mortgage

I started having problems paying my mortgage back in XXXX. The end of XXXX I did a agreement with my mortgage company ( Nationsstar ) to pay XXXX 's mortgage over XXXX, XXXX and XXXX. In XXXX I started a refinance with XXXX XXXX XXXX XXXX. Nationstar gave XXXX a quote. We closed on XXXX/XXXX/2016 and the check was sent to Nationstar on XXXX/XXXX/2016. Nationstar is claiming the payoff was short because they did n't receive the payoff by XXXX/XXXX/2016. Now they are price gauging my mortgage payoff. My balance was XXXX, now they are saying the payoff is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint against XXXX XXXX XXXX XXXX. They have repeatedly violated the Fair Debt Collection Practices Act and have become extremely harassing. This account is trying to collect a medical debt, which is also listed on my credit report in Experian and XXXX. I have requested several times for verification. This company will not furnish a signed authorization, they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements. Additionally, Experian and XXXX are violating sections XXXX & XXXX for willful noncompliance & negligence. This is already creating additional emotional & physical distress in me. I need this account blocked/removed from my credit file. The account is as follows XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Experian Credit Bureau is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Debt collection

I have requested Validation on a collection being reported on my XXXX  credit report by National Credit Adjusters Account # XXXX, I sent a letter certified mail asking for Validation of this debt XX/XX/2020 and received no response I have also filed a complaint with The XXXX XXXX XXXX Complaint ID # XXXX to again try to ask for Validation from National Credit Adjusters it has been over 30 days and have not received a response.
Product: Credit reporting or other personal consumer reports

I was going over my credit report the other day and was quite angered to see that there were inquiries being reported that I never gave permission to even be run. It looks like the bureaus validated these inquires by allowing them to be reported on my credit report ; however I did not give permission to anyone to give away my information to the companies stated in the letters attached.
Product: Credit card

I made purchase on XXXX for multiple items. Once I receive the items Ive decided that the items are not as described or not needed for what purpose I purchase them, for I initiated a return on XXXX and I will send a QR code to return all the items to a designated shipper. In this case, would be XXXX, I have a receipt from XXXX  that all items have been dropped off and returned to XXXX while XXXX only refunded one item out of five XXXX claims that they have returned refunded the items which is not true. I disputed the charges on my credit card in this case being chase bank And Chase refused to resolve the dispute, stating that the receipt I have from XXXX does not specifically list all the items that were returned, and I have no proof of the items been returned so in another way, I am being charged for items that I no longer have in my possession And the total cost its about {$110.00}. 
XXXX. XXXX XXXX XXXX XXXX {$10.00} XXXX. XXXX XXXX XXXX XXXX with voice control {$21.00} XXXX. XXXX XXXX {$27.00} XXXX. XXXX XXXX expandable Ice Scraper 4 Pk for {$47.00} Plus all applicable taxes and shipping fees.
Product: Mortgage

Dear cfpb, In XXXX I was stuck between a rock and a hard place which has since been rectified to some degree, but then, I needed to access some funds anyway I could, to work on an invention, and pay bills because I wasnt employed due to service-related injuries. 
Then late in XXXX early XXXX, I couldnt pay my bills, had to defer my mortgage payments by way of forbearance. For the past XXXX years all my bill have been in excellent standing. 
So, I performed a web search in XXXX, and found a company, Point.com. They were very quick to call me back after explaining my situation and needs. I believe that Point preyed on my situation due to having my sole income coming from having a 100 % service-connected XXXX. Point was eager to help me with the amount I needed, I was asking for {$60000.00}. Point tried hard to get me to increase the amount, but I didnt need that much. There are no monthly payments, and I dont have to pay the loan back for 10 years. How do they make money? They say they invest in the equity of my home with me, if my home increases in value, so does the amount I am required to pay Point at the end of the 10 years. If my home decreases in value, the amount I owe Point decreases too. 
was hoping that Id be in a better place in a couple years and have the funds from my invention to pay Point back ASAP. That didnt quite work out, but I havent given up yet on that dream.

Point wouldnt except monthly payments to pay down the amount even when I was able to work. Point stated it was an all or nothing payback.

So, If I cant pay Point back by the end of the 10 years from funds on hand, I would need to refi my home or sell it to pay Point back. My home was purchased by my father, also a retired XXXX, back in XXXX. I purchased the house from my father in XXXX I refinanced my home XXXX with XXXX VA variable percentage mortgage which started at 2.75 %. Today its currently 3.75 %. XXXX interest rates are in the 6 % range, which I cant afford that new monthly payment. Let alone pulling funds from the equity to pay XXXX back. XXXX added to the refinance mortgage. 
Point targeted me, my situation, and my homes location evaluated the worth of my home about {$300000.00} less than its market value in XXXX, essentially padding their initial investment by that amount from day XXXX of signing. So as of a few days ago XXXX and XXXX both state that my home is worth around $ XXXX. Thats very close to the amount it was in XXXX, but Point states its worth $ XXXX, and if I was able to pay them back today, Id owe them around {$140000.00}. Thats insane. Point is exploiting me, my home is only 1288 square feet, a 2 bedroom/2 bath on 4500 sqft lot.

I dont have an issue paying back my debts, but not when I believe what they are doing is dishonest, and fraudulent, taking advantage of a 100 % combat disabled Marine Corps Veteran . There has to be a way to significantly lower the amount I owe them. If not, I will lose my family home.

Thank you for your time and assistance in this matter, Retired US Marine, and 100 % Disabled Combat Veteran.
Product: Credit card

I have several billing disputes with several merchants. This useless bank keeps asking me for documents and when I send this useless bank the documents it asks me for it's never good enough for them! Useless! I'm an excellent customer with excellent credit! I maintain my account with this useless bank impeccably! I expect more from the banks I do business with! I need a bank who will work hard for me! That's not this useless bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion have failed to remove the follow accounts from my account : XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX. Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX  card account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXX & XXXX was agree to by both parties and upon full payment of our agreement, the XXXX  XXXX Account derogatory information would be permanently removed from my XXXX, XXXX, EquifaxXXXX XXXX XXXX credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and XXXX, to have XXXX XXXX XXXX  delete all of their derogatory credit bureau report information reported to XXXX, XXXX, Equifax, XXXX XXXX  credit bureau, to no avail. 
XXXX XXXX Bank sold my account to XXXX XXXX XXXX, and I paid XXXX & XXXX the full agreed to amount, and XXXX XXXX XXXX  refuses to remove their derogatory information from all credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXX & XXXX in-full, then my original debt was completely paid off, as agreed to by XXXX & XXXX and myself! 

XXXX XXXX XXXX
Product: Debt collection

I have sent a prior dispute to this collection agency. They stated they have sent bills to me which I have never received also from an account I have no knowledge of. I also researched that this company is/was collecting with an expired license cancel date was XX/XX/XXXX-2014. So on top of sending me an original contract with my signature, I need to see if Commonwealth Financial is authorized to be collecting in the state of Texas.
Product: Debt collection

This company has contacted me multiple times a day for the last few weeks. It is always the same person by the name of XXXX. I've requested proof of the debt to be mailed and have yet to receive anything and I have requested to only be contact through mail. After them not complying with my requests I blocked their number. They then have decided to start calling me from different numbers. It is very frustrating and they are harassing me without providing the proof that they are required to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian first week in XXXX because they kept showing the wrong information about a credit card I have paid off to XXXX balance after a couple of tries they removed my credit card account off of my credit report and it made my credit score go down I just wanted them to report the balance as XXXX I did not want them to remove my credit account please help me resolve this matter any way you can thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on credit report XXXX on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate 100 percent.Having incorrect information could hurt my chances of home ownership in the upcoming future.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. This is the account mark as inaccurate ; XXXX XXXX XXXX
Product: Credit card or prepaid card

The agency should investigate and open an inquiry on the unfair business practice of USBank 's credit card division which is unfair to consumers USBANK has current policy in their small print in the statement that reads the payment of on the due date must be receive that day on or before XXXX CST otherwise the payment will be considered late and {$29.00} late fee will be accessed This policy is unfair and discriminatory especially to the consumers who are living in the west part of the country. If the due date is XX/XX/XXXX and a payment was made at XXXX PST, the payment should not be late and should not be accessed a late fee I would like the agency to review this policy have it change as not only this is unfair to consumers in the west and discriminatory as well
Product: Debt collection

I contacted this firm in XXXX for a printout on what i owed. They sent me the printout on XX/XX/2019. I made a payment of the entire balance owed according to the printout. I was told that they would be sending me a letter saying the account was satisfied in the mail. I call The Firm after two weeks of not receiving the letter I asked why I wasn't receiving this letter yet and the response to the collector was that I still owe another {$70.00} for court costs. But that wasn't on the spreadsheet that I was sent. He said after I paid that they would send my letter. I find it's ridiculous cuz this date was four years old and I finally got to pay it off just to find out they won more money. I demand that the {$70.00} be taken care of and my letter be sent to me
Product: Debt collection

I did not have appropriate heading that best described my situation. I received no communication whatsoever either written or otherwise still my alleged debt was reported to credit agencies by Focus Receivables Management -FRM- ( I realized after I was denied credit ). 
FRM 's predecessor verbally promised me that they will remove the alleged debt from their record and no credit bureaus will be reported. Although written communication said that they will not pursue the alleged debt and no credit bureau was being informed then.
Product: Credit reporting or other personal consumer reports

I kindly ask for your assistance in addressing accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed. However, they continue to report them as late. Ive contacted them multiple times with no updates, leaving this as my final option.
Product: Checking or savings account

On XX/XX/XXXX, a fraudulent transaction was made with my Business card ending in # XXXX for the amount of {$9400.00} dollars to the company XXXX XXXX XXXX in Florida, without my authorization. I contacted the Wells Fargo bank instantly when I saw the transaction informing them that I do not know about the transaction and the company, that I did not authorize that transaction and I canceled the card, because it is a fraudulent transaction. The transaction was pending and they still approved it. I started a first claim with # XXXX and a police report with Case Number # XXXX and still 8 days later they called me and told me that the transaction was legal and that they were very sorry. I have done everything legally within my power and the bank knows that I did not make that transaction. The Wells Fargo bank has no proof of who did it nor evidence that I did it. They started a second claim with # XXXX and to date I have not seen any favorable decision for me. I have worked very hard to lose my money in that fraudulent way and the Wells Fargo bank is responsible for safeguarding one 's interests. I hope that through you we can solve this injustice that the bank is doing against me. Thank you so much.
Product: Credit reporting

On XXXX XXXX, I called XXXX XXXX. to inquire about an offer I received in mail. I was ONLY inquiring. The sales rep asked for my social security number, and I immediately said, I'im not giving you my S.S. number because I do not want my credit report run at this time. I am only inquiring about your package. I have XXXX and was just checking to see if I can get a better deal for the money, and what was the catch with getting " same amount per month, no price increase for 2 yrs. Then he said OK no problem, just give me your name and address to to if we can have service in that area. After all as said and done, I found out I had to switch to XXXX XXXX XXXX phone service. I said thank you for your time, but i 'm not switching any phone service. Now, how they do it, I do n't know, but, the next day I get a notification that another Credit Inquiry went on my credit report with Equifax. I 've called about 20 people from XXXX and have names, ID # s, etc, and they all swore to me that they were gon na have it taken off my credit report ( s ). To date, they did nothing. I sent a letter, certified to XXXX XXXX and still, nothing has been done. I was told by an Equifax rep that XXXX XXXX needs to take that inquiry off their Data Base, otherwise, it automatically generates on Credit profile. Which is hurting my credit scores. Please help me get this off, so I do n't have to file Fraud charges against this salesperson for illegally getting into my credit report. I do n't know what info of mine he took from me, if any. Thank you, XXXX, N.C. XXXX / EMAIL ADDRESS ... .XXXX Please respond ASAP either via postal mail or email. P.S. I just read the bottom statement but do n't have picture of credit report to upload, buts it on Equifax. I can give you any info you may need to get it directly.
Product: Debt collection

Over the last 7 days, Harley Davidson Financial Services has called me a total of 16 times which is in clear violation of the Fair Debt Collection Practices Act which prohibits the Debt collector to call more than 7 times in a 7 day period.
Product: Debt collection

My name is XXXX XXXX, I am writing you because it has been brought to my attention that you are listed as the collection agency for an account I am not familiar with. This negative information is being reported to the credit bureaus and severely impacting my ability to purchase a home. This is my formal attempt to do 2 things validate the debt and settle it.

The account you are attempting to collect is a school related debt and I did not attend any post secondary education during the time in which you are reporting the account as originating. So that means only a few things, either you have intentionally re aged this account to cause more damage to my credit report, the information you are reporting is inaccurate, or it does not belong to me.

It is my strong concern that I may not actually be financially  responsible for this debt.For my recordkeeping, please provide a copies of original statements showing how the balance was accrued. Additionally, please provide copies of the original contract showing that I am financially responsible for the debt. I am a previous victim of identity theft and have had my information compromised in a data breach. I would like to verify that the documents bare my actual signature and not a forged one.