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

On XX/XX/2019, I returned merchandise to Macys that was originally purchased with a Visa. Despite using a different credit card, Macys posted the returns to my Macys credit card. This resulted in over {$1200.00} in excess monies posted to my Macys account. On XX/XX/XXXX, I called their customer service dept to request a refund check. I was told that if I provided my bank account number it would be faster and would only take 3-5 business days. I called again on XX/XX/XXXX, and was told it would be deposited on XX/XX/XXXX. I expressed that I was leaving out of the country and needed that deposit for my mortgage. Upon my return, I saw that there was no deposit. I called on XX/XX/XXXX and was told that the refund was not approved and they would process the deposit in 20 days. After speaking to a supervisor, I was told a deposit would be made that week. I called again on XX/XX/XXXX and was told a CHECK was mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received my money. This has caused my XXXX mortgage to be late and now XXXX. I am currently unemployed and looking for a job in accounting. My credit report is always taken into consideration during the application and background check. Macys unscrupulous and unethical practices are causing me financial hardship, stress, credit reporting concerns with my mortgage and other bills, and risk of not passing my background check for employment. Macys is very quick to post charges to my credit cards and issue late fees for late payments but is holding my money and continues to lie to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my CoreLogic ( SafeRent ) report and I noticed a Inaccurate date and information on my rental history.On my report they have a listed date in XX/XX/XXXX that i was evicted but I was never evicted from that date they have listed on the report.The Apartment that in am talking about is : XXXX XXXX XXXX Fl XXXX
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. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Vehicle loan or lease

Current balance of loan reporting over {$4000.00} when balance should be {$2800.00}. Set up settlement for payment of {$1700.00} to be paid however the first representative stated balance was XXXX and they would accept XXXX. Called to verify a few weeks later before payment and the representative stated balance was now over {$4000.00}. Would like balance to reflect {$2800.00} as stated by previous representative before payment made and account removed from reports.
Product: Credit card or prepaid card

On XX/XX/XXXX one of my employees was not able to login into the Barlcays Business Card website. We called customer service and after almost 3 hours were told that, there is now only one way to login into a Barclays credit card account. This change would mean I would have to give employees access to my personal Barclays card which is non-business with only one option to log into my credit card. Their website said if you need a login for business credit cards to contact them and request one. We contacted them on five different occasions and no one was able to help. 

Call XXXX XX/XX/XXXX - 31 min at XXXX XX/XX/XXXX - 15 min at XXXX XX/XX/XXXX - 55 min at XXXX XXXX 3 min at XXXX XX/XX/XXXX - 52 min at 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion 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 DEPT OF EDXXXX  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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Checking or savings account

Ive had many issues with this bank within the last 3 months. They have put multiple blocks on my account for fraud verifications that Ive passed and my bills ended up being late multiple times Then I had multiple issues not being able to use my card. Then leads to now when I reciesved a direct deposit and they closed my account savings and checkings and said money will be received via check. Which is very unacceptable because I have a life and I cant spend any money or pay bills and they say they sent my pay back to the payee which i cant get for XXXX weeks due to the payroll being on vacation. Everytime I call them they give a vague answer and tell me they havent processed yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX  Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX  Date of inquiry : XXXX1 This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

6. Identity Theft 01 COMENITY CAPITAL BANK Account Number : XXXX This is not mine.

7. Identity Theft 01 COMENITY CAPITAL BANK Account Number : XXXX This is not mine.

8. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

9. Identity Theft COMENITYCBXXXX XXXX  Date of inquiry : XXXX  This is not mine.

10. Identity Theft XXXX XXXX  Date of inquiry : XXXX  This is not mine.

11. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX This is not mine.

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

13. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

14. Identity Theft XXXX Account Number : XXXX  This is not mine.

15. Identity Theft XXXX  Account Number : XXXX  This is not mine.

16. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed bankruptcy case number XXXX with XXXX report. I filed CFPB report stating that the bankruptcy was inaccurately being reported on my XXXX report, Transunion and XXXX. Transunion and XXXX responded the information was correct. I am attaching letters from XXXX with no record of me and from the Bankruptcy court as well again unable to verify that information. If they XXXX has no record of me and the bankruptcy court can not confirm how can they report me?
Product: Debt collection

I called to close out my cerdit card account with XXXX XXXX XXXX  and they told me they closed these accounts. This was in XXXX of 2023, Offered to pay the remaining balance on the cards one was XXXX and some odd dollars and change and the other I owed XXXX and some odd dollars. As I was checking my app the amount remaining was steadily increasing so I called to find out why, they explained that my accounts were not closed in XX/XX/year> like I had asked they did not close them out until the end of XX/XX/year> in they then in turned charged me all kinds of fee and add ons that I never signed for when I asked them to email me a copy of the paper work I signed for those add ons they advised they could not do that. I offered them a settlement so it would not go on my cerdit as they were threatening to do and they told me no, when I mentioned I would get a lawyer if they put it on my cerdit they would not talk to me anymore and hung up on me. Now my balance on the accounts are XXXX for XXXX and almost XXXX for the other and the card limit is only XXXX on that one. The other that is XXXX is limited at XXXX. Needless to say this company put both accounts separately on my cerdit and knock me down from an almost XXXX cerdit score to a XXXX cerdit score by doing so.
Product: Debt collection

I rented from XXXX XXXX XXXX  in 2016. I fulfilled a year lease and stayed 6 days in XXXX the following year before moving for a job. I was {$300.00} short on the rent which is a valid charge but I received a letter from XXXX stating I owe just shy of XXXX. I called them to get details and they had a long list of things like baseboard replacement, door replacement, hardwood replacement, 34 holes in the wall. My girlfriend and I took VERY good care of the apartment. There were scratches on the floor where my dogs cage was but other than that we were some of there best tenants. I had meeting with property and they thanked us for being so great and things seemed good. Few years later we get a false debt bill and are being harassed to pay. Also when we requested pictures of the damage from the apartment complex and XXXX neither could provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XX/XX/XXXX along with 8 hard inquires which icludes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these are fraudulent accounts I am a college student and was not concerned about my credit now that I am it seems someone has been using my information for several years and I would like it to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I called M & T bank many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.
Product: Debt collection

XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Interstate Credit Collections XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Acct # XXXX This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$750.00}. I have never called you and said I could n't pay as a matter of fact you all sent me a letter said you " will not response to anymore more of my credit clinic letters ''. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Mortgage

My Mortgage Company, PHH Mortgage, Loan # XXXX lists paying my taxes from our Escrow account on XX/XX/XXXX. For {$1700.00}. 

However, the Town of XXXX Massachusetts still has not received that payment. I paid the taxes directly to avoid being in arrears.Taxes were due on XXXX XXXX. 

On XX/XX/2021 I faxed the Tax Department at the mortgage company with backup documentation. Since they say they may take 30 days to complete inquiries I waited 30 days. 

I have not heard from them. And because they say they paid out in XXXX when they refunded my escrow overage this amount was not included.
Product: Debt collection

Winn law group apc is trying to sue me for a credit card debit over 10 years old. They claim to have served me a levy dated XX/XX/19 and I never received anything they have filed with XXXX county small claims court and this lawsuit should be happening because statue of limitations has passed
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is in regard to charge off auto loan reported by 5/3rd Bank NA with account number XXXX reporting on my credit report, has falsely been reported to my credit report and credit profile, XXXX of last year i have sent a dispute verification letter asking for verification of the several inaccuracy reporting to my credit report by XXXX, XXXX, and XXXX. I have never received the information I requested in the Verification letter, such as a copy of the original auto loan promissory note, a accurate amount of the funds received from the sell off of the vehicle and also the different dates reporting to the three credit bureaus i mention above and the different open dates reporting on my credit report. i was never counted about this account being charge off nor was I serve a 1099c for the debt written off and charged off by the lender Fifth Third Bank.

i requesting to have this false information remove from my credit report immediately, including all three credit reporting agencies mention above, i have tried several times to contact the original creditor several times to settle this manor but i was told it was in collections, but it clearly shows it has been charged off which is a violation of my rights for not receiving a letter of information and a 1099 because by consumer law charge off debt is consider income. I need this to be removed from my credit report immediately.
Product: Debt collection

I had an account with XXXX XXXX. Due to fraud it was closed and sent to collections. 
Portfolio Recovery is the third collections company it was sent to. I had payment arrangements with them so it wouldn't be reported to the credit agencies but it was! 
My bank returned a few payments due to insufficient funds. I had identity theft this past year and due to the Covid Pandemic I have being going through some financial hardships. I need this taken off of my reports. It lowered my scores 30 points on all three reports!!! Technically I do not owe this debt because I had fraud through XXXX. And I thought companies were not allowed to report collections because of the Pandemic according to the CaresAct. Read below! 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic. The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic.

The Bureau previously issued a statement informing lenders they must comply with the credit reporting requirements of the CARES Act. Today, the Bureau released FAQs that will help ensure that consumers receive the credit reporting protections required by the CARES Act.

The FAQs address the credit reporting requirements of the CARES Act, including considerations for furnishers when reporting consumers as current as required by the CARES Act. The FAQs also clarify that reporting that a consumer is affected by a natural or declared disaster is not a substitute for complying with the CARES Act credit reporting requirements. In addition, the FAQs address the Bureaus guidance that provides temporary and targeted flexibility in the event CRAs or the furnisher experience challenges as a result of the pandemic in investigating consumer disputes. All CRAs and furnishers remain responsible for conducting reasonable investigations of consumer disputes in a timely fashion. The Bureaus statement makes clear that the Bureau expects CRAs and furnishers to make good faith efforts to investigate disputes as quickly as possible.
Product: Consumer Loan

I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit. These inquiries were done without my knowledge, authorization, consent and or signature.
Product: Debt collection

The balance of {$90.00} on my XXXX account was supposed to be credited in full before I cancelled service and switched cable providers. Instead of crediting the account the balance accrued charges in increased to the amount of {$250.00} instead being credited to XXXX. 
I recently received notification that a company called Williams and Fudge opened a collections account with XXXX but I do NOT owe XXXX or this sham of a company anything. 
They fraudulently opened a collections account without ever contacting me or sending any type of correspondence. 
Please help
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS has emailed me twiceXXXX XXXX, 2023 and XX/XX/2023-saying that I owe {$200.00} to XXXX Apartments. This information is incorrect because XXXX Apartments has acknoldeged that my husband, XXXX XXXX, and I, do not have an outstanding balance. 

Both times I have emailed back informing them that this debt is not accurate because I do not have an outstanding balance with XXXX Apartments. I've attached for your records the email communication between myself and XXXX management that states my husband, XXXX XXXX, and I do not have an outstanding balance. Further, my husband received this response from XXXX Management that confirms on record that we have no outstanding balance. The XXXX XXXX is available here : XXXX XXXX XXXXXXXX. 

Genesis has not responded to either of my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I went to Best Chrevloet with my pre-approval from XXXX XXXX. I informed the salesman XXXX that i did not want my credit pulled to other lenders because of my existing offer with XXXX XXXX. I wrote on my credit application, I only authorize for XXXX XXXX. XXXX XXXX a finance manager at the dealership sent my credit report to multiple dealers. I spoke with the salesman and the finance manager which both of them acted as if they knew nothing about it. I need the inquiries to XXXX XXXX, XXXX, and XXXX XXXX deleted from my report. I am livid that they misused my credit application for their own benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

I was contacted by Target Cash Now on XX/XX/2021 and informed they were trying to collect on a debt for a loan that was taken out on XX/XX/2021 by someone using my information. At first I thought they were trying to scam me but when they provided me with information about the loan, I realized they had my name, my last 4 digits of my social security number, my place of work, my telephone number and a portion of my address. They did not have my full address and the banking information they provided is not a bank that I have an account with. 

Target Cash Now informed me that I would have to file a police report since as far as they were concerned the account was in my name and it would affect my credit rating. I did contact the XXXX XXXX Police department and I have a XXXX Police Department Citizen/Police Contact Receipt ( XXXX ) also dated for XX/XX/2021. 

I did not share this information with Target Cash Now because it has my drivers license information and my correct address and I did not want to provide them this information. Instead I reached out to the Maryland States Attorneys office for advice and guidance. 
I was advised by Mr XXXX XXXX, XXXX Identity Theft Program, Office of the Attorney General to file a complaint with this organization and to freeze my credit. 

The following is the rest of the information that Target Cash Now provided me on this loan that I am disputing * funds deposited into XXXX XXXX account ending in XXXX XXXX Loan ID XXXX XXXX Of interest to me is that I never received any loan documents or information on this account/loan even in my SPAM/Junk mail prior to the disbursement of the funds. But I have received numerous requests in my spam that are reminders about the payments that are due on the account. 

I would appreciate any assistance you can give me to get this situation resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have the below listed inquiries removed from my credit report. These inquiries were not authorized by me! 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX