23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to report an issue with setting up AutoPay and verifying micro deposits for my Macys XXXX XXXX AmEx credit card. The issues Im experiencing on the Macys website are making it difficult to manage my account payments effectively. I have outlined the specific issues below : Issue 1 : When attempting to verify the XXXX micro deposits, the system does not allow me to proceed. The screen freezes, and no new information or prompts appear to confirm the verification. 

Issue 2 : When enrolling in AutoPay, I selected the " Statement Balance in Full '' option and clicked on " Authorize. '' However, I received an error message stating, " This service is temporarily unavailable. Please try again later. '' Despite multiple attempts on both XX/XX/XXXX and XX/XX/year>2024, from XXXX different computers and using both XXXX and XXXX browsers, the issue persists. 

Additionally, whenever I attempt to change the payment setting from " Minimum Payment '' to " Statement Balance in Full, '' the selection reverts back to " Minimum Payment '' without allowing me to save my preference. 

I appreciate any assistance you can provide in addressing this matter to ensure I am able to manage my payments effectively. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Nelson and Kennard have garnished my bank accounts for a debt that was not owed due to a Bankruptcy that was charged off in 2016. I have filed timely responses to the courts regarding of the unknown/ unowed debt, and Nelson Kennard is the Attorney Office that collected for XXXX XXXX XXXX. I have provided proof of no right of recovery, and they garnished the account after the statute of limitations had been exhausted, by 2 years. The actions taken have been well reported to be in strict violation of the CFPB Laws, and should be held liable for punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I disputed a collections account that was reported by LJ ROSS to my credit report. The disputed was via XXXX on XX/XX/XXXX. My dispute resulted in the account being removed from my credit file. This same account was reported to XXXX on XX/XX/XXXX. I have had issues with this agencies before. I have a paper trail for the disputes and reporting dates. I never paid them any money. But, the account says paid now? Why would a debt collection agency, attempt to collect a debt and when no payment was issued, change it to paid?
Product: Credit reporting or other personal consumer reports

The amount that says is owed to XXXX is {$1000.00} XXXX has sent this to Jefferson Capital. I called them and complained and now they added XXXX that is XXXX  plus dollars from XXXX and I have not used XXXX in over 20 years. The XXXX account was opened fraudulently and a police report was filed with the XXXX, Nevada Police Department. The lady that stole my phone that went by the name of XXXX stole wallet, phone and got a grand larceny charge against her because the amount stolen was greater than {$1000.00}. She stole my identity and opened a XXXX account and bought a XXXX tablet. I have repeatedly begged and pleaded with XXXX XXXX to remove this. I have also pleaded with the debt holder Jefferson Capital Systems LLC. XXXX XXXX does not have any of my information correct either. I payed off a vehicle to XXXX XXXX and it shows I am current but owe XXXX. As a proud XXXX XXXX Veteran of the XXXX XXXX having served XXXX years for my country I do not believe I will ever enjoy the American dream of owning a home with the credit system and credit bureaus keeping my score down to charge higher interest rates. The XXXX and XXXX collections on XXXX XXXX under Jefferson capital are completely false and need to be removed. I also submitted a complaint to the Texas Attorny general XXXX XXXX in hopes of helping me solve this complex issue as well. I have XXXX children XXXX of which is adopted. I can't afford to have a poor credit score. Any help with these XXXX XXXX power houses like XXXX which I soent XXXX minutes on the phone with only to be passed from person to person and on hold forever would greatly be appreciated. Jefferson Capital only added XXXX after I complained about the XXXX account. I have had neither in many years. Thank you. 

XXXX XXXX XXXX
Product: Credit card

Throughout, I've ensured that payments on this account are made promptly, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card

On XX/XX/year> a credit card was opened in my name from Discover. I never consented to this card being opened. I did research and discovered that this card was opened in the state of Hawaii. I have never lived there. I have continued to challenge this card with the credit reporting agencies and Discover directly. They have repeatedly refused to acknowledge that this card was opened fraudulently. I have a police report and proof of my whereabouts at the time that this card was opened. This has caused my well being grave harm and has seriously affected my mode of living.
Product: Credit card or prepaid card

I was approved for a US Bank platinum visa credit card a couple weeks ago. I let the underwriter know the sole reason I was applying for the card was to take advantage of the 0 % apr for 20 months because I was going to purchase a wedding ring around $ XXXX. The card was approved at $ XXXX. When I tried making the purchase for {$11000.00} it was declined. shortly after, us bank fraud department gave me a call and said because of the amount they had blocked it but they would remove the block and asked me to try again. I tried again and was blocked. I called the fraud department and this time a different rep said because the amount was so high to try to cut the amount in half and try the transaction twice. I tried doing that and still declined. I called a third time to fraud and they said it was still too high and to try to break the amount into thirds. I tried that and declined yet again. the forth time I called the rep said because of too many attempts at various amounts it was suspicious and they were going to send it to review. I tired letting that rep know this is what the other us bank fraud reps instructed me to do but he said he was still going to send it to a review team. at this point I was very upset and asked to speak to his manager and he stated he had none. also the first 3 times I called the reps asked if I would like to do a survey  after the call but with this person I asked to do the survey he said it did not exist. 
I called yet again a 5th time and the rep said she would remove the block but because this is a new card I would need to make smaller purchases first and pay back to build history with us bank. I then tried to make a {$20.00} purchase and a {$3.00} purchase and both were declined. I called a 6th time and the fraud rep gave me the number to the review team and said to speak with them and hung up. I called the review team and their rep said I spoke with someone and she could not verify my income. I told that rep that none of the representatives from the fraud team asked me about my income at all, so he said he would transfer me to the person who stated the income discrepancy. I was transferred and no answer and can not leave message. I called the review team back again and another rep said that person was on vacation for a week and when I told her I could not leave her a message there wasn't anything I could do and that she was the only person who can review this. 

I let each rep, both from fraud and review, know that I planned on proposing end of summer/beginning of fall and that the ring takes 4-6 weeks to make after I purchase not including the time it will take to ship. I also let them know the only reason I applied for this card was to take advantage of the 0 % apr but with all the time this is taking my promotion rate for 20months is  decreasing.
Product: Student loan

On approximately XX/XX/2024, the Department of Education disbursed subsidized and unsubsidized student loans totaling {$2000.00} to XXXX XXXX XXXX University through the servicing provider Nelnet. I requested that XXXXXXXX XXXX XXXX University cancel the loan and return the disbursement to the loan servicing provider. As of XX/XX/2024, these student loans are appearing on my credit report despite my disputing with the credit reporting agencies. They argue that the loan is still active and the account is open under my name.
Product: Debt collection

On about Thursday XXXX of XX/XX/XXXX, I reached out to paragon after realizing I have an account reported from medical treatment I received on about XXXX of XX/XX/XXXX at XXXX XXXX XXXX. At this time I was not advices or given the option to apply for financial assistance or charity care or any other government assistance or programs under the affordable care act due to me falling under the poverty guidelines. 

I reached out to Paragon Revenue Group on the XXXX of XXXX Their representative XXXX answered as I attempted to receive information from XXXX. He refused to give me my information. He proceeded to pressure me to pay that I had to pay it was on my credit will remain there and ruin it if I dont pay. Was very aggressive on assisting I make a payment. I explained to him I was unable I was going to apply for financial assistance he aggressive stated it to late I must pay. Got personal asking personal trying to buy. Im not trying to buy anything just want this taken care of, as he continued to press the issue. I just said anything that came to mind in hopes hell give me my information as I continued to randomly ask during conversation. After I gave him anything that came to mind he then get personal asking well how can you buy anything if you cant afford the bill. At this point Im highly agitated asking him for my information. After I saw Id get nothing. I hang up called back four times. Three times getting him the fourth time I got a lady who finally gave me the information on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Debt collection

Experian credit report is showing a collection account from Jefferson capital systems, from a sprint account that does not belongs to me, they send me collection letter also, but the information is wrong. I never open an account with this company and currently I don't have any account with them. They are affecting my credit report.
Product: Credit card or prepaid card

I attempted to withdraw {$300.00} from a  XXXX  ATM located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA on  XXXX   XXXX  and the funds didnt disburse. Instead the machine provided me with a receipt that stated the machine had technical issues and to contact the bank. I contacted netspend who advised they are invesitgating the matter and requested documents, I sent the documentations and  Iam be ing advised that updates will be provided by  XXXX   XXXX  but it normally take s 45-90 da ys to verify this information. This has never happened before and this is unacceptable.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zell failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. I havent received a response or status on the investigation in the past 30 days! This is unacceptable and in violation with the FCRA. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX XXXX  data breach and XXXX XXXX  data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account named XXXX XXXX XXXX  on my credit that does not belong to me and I got a pre-made letter that says, " Account information disputed by consumer, meets FCRA requirements '. 
I would like for the credit reporting agencies to adhere by my request : Dear Credit Bureau ( XXXX, Transunion, and XXXX ), Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Vehicle loan or lease

Hello, I was looking over my report and I see that I have been marked late multiple times. According to law 15 USC 1681a ( 2 ) ( B ), you are not supposed to do this.
Product: Debt collection

XXXX XXXX has never remedied the discrepancies ( 1 ) in the amount on the closing disclosures and the actual amount issued to me ( 2 ) or the bait and switch and overcharges of the appraisal fees. This was initially disputed to XXXX XXXX, XXXX XXXX and XXXX XXXX in emails dating back to XXXX, XXXX. They chose to ignore it. 

The indenture trustee, guardian and trustee have all ignored my correspondence. The Servicer has refused negotiable instruments/matured bonds and failed to provide the information I requested in order to support their acceptance XXXX. 

U.S. Bank ( " Servicer '' ) failed to put the account in billing error status despite notification of such, XXXX. 

Servicer continues to ring my phone in violation of longstanding instructions to only be contacted in writing XXXX. 

Servicer continues to report negative information to the credit reporting agencies on me regarding the properties, instead of reporting on the new owner.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, under law 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 an 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 or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Checking or savings account

XX/XX/XXXX Someone made a fraudulent call into Wells Fargo transferring {$2000.00} from my savings account to my checking account. Gambling charges were authorized on my checking account by these funds causing my account to be compromised. 
My direct deposit and balance was compromised causing errors to my checking account and my upcoming purchases and household bills to be compromised XX/XX/XXXX. 

I have suffered stress and duress from this situation. Wells Fargo has put me through stress and mental strain during this process. 

XX/XX/XXXX I called wells fargo XX/XX/XXXX about my frayd claim remaining balance, I could have law enforcement obtain a copy of the fraudulent phone transaction made on XX/XX/XXXX. 
I received a portion of my savings account funds back from this fraud bank account transfer. 

My XXXX  was questioned by wells fargo if I made the fraud phone transfer call. 
I was reported to Dept of Human Resources about my XXXX XXXX by wells fargo. 
I received a visit to my home from XXXX XX/XX/XXXX on my XXXX XXXX and the money transfer by a representative.
Product: Debt collection

I paid a debt owed to XXXX XXXX  and received a copy of the account balance that showed {$0.00} being owed and Willams and Fudge XXXX XXXX XXXX XXXX XXXX, SC XXXX, refused to take the collection off of my credit despite being told and receiving a copy of the updated account balance. it has been over a week since they were contacted
Product: Mortgage

Fifth Third failed to escrow our property tax into our mortgage payments as promised. We received a late tax notice with a 21 % penalty. We ALSO lost a 2 % discount for not paying through the bank. We ASLO discovered they were putting our extra payments into a checking account instead of putting it toward our mortgage. This caused us to lose 21 % + 2 % discount + interest that would have been paid with the extra payment money. 
We contacted Fifth Third who acknowledged something " went wrong '' with our closing. We were contacted back and told the delinquent tax payment was paid and escrowed into our payment. This was done without our permission. We have received a letter stating they have now absorbed the tax penalty. However, we have not received a new escrow analysis heard back from Fifth Third regarding the 2 % discount or the lost interest from our extra payment money. We feel that we deserve the 2 % discount credited to our account AND a resolution to our extra payment money that was not applied to our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and XXXXompleteness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Student loan

I initiated my final PSLF Employment Certification with my current employer on XX/XX/XXXX after completing 120 qualifying payments. My employer manually signed the PSLF Employment Certification Form on XX/XX/XXXX and I submitted it via the Federal Student Aid Website. I called 1-2 times monthly thereafter to check on the status of my application and was told that I would receive a response to my application by XX/XX/XXXX. I did not receive a response by that date, so I called on XX/XX/XXXX to escalate the case ; no progress was made, so I called again on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a rejection letter ( see attached " Rejection XXXX '' ) that stated that my form was not signed and therefore could not be processed and I would have to submit a new Employment Certification Form. However, my form was indeed signed ( see attached " XXXX XXXX Application XXXX '' )- I escalated the matter on XX/XX/XXXX and received feedback that the form was SUBMITTED on XX/XX/XXXX and therefore, the signature that was on my form dated XX/XX/XXXX was outdated because the signature date was not within 40 days of the submission date ( see attached " FSA Feedback Case XXXX '' ). Another piece of feedback I received verbally was that I was sent a Missing Information Request ( which is accurate ) that indicated that I only had 24 hours to get the Employment Certification Form signed by my employer ( which is inaccurate ; there is no indication of that timeframe on the attached " Missing Information Request. '' I have talked to many customer service agents and supervisors since then who have acknowledged that my form was indeed submitted on XX/XX/XXXX but that there was nothing they could do since the case was already closed. They advised me to submit a new Employment Certification Form since I am still with the same employer ( which I did on XX/XX/XXXX, see attached " XXXX Faxed PSLF Employment Certification XXXX '' ) ; as of XX/XX/XXXX, I was told that it will take XXXX business days ( approximately 4.5 months ) to review my newly submitted form, putting my potential date of forgiveness at XXXX XXXX ; meanwhile, I became eligible for forgiveness in XX/XX/XXXX.