23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This summer I bought several items online, which I promptly returned. When I reviewed the next two statements, it appeared that Macys continued to charge me for one of the returned items. 

On XX/XX/XXXX, I called the Customer Service Department. The representative with whom I spoke agreed that the billing is confusing. After about 45 minutes, she finally was able to decipher the confusing billing. She explained that I was being charged late fees on a t-shirt I bought on line for {$19.00}. 

Once we clarified the confusion, I immediately arranged for an electronic payment of {$19.00}. I asked for a credit on the late fees because : ( 1 ) Macys own billing system is confusing and misleading to consumers ; and ( 2 ) I am a longtime customer and it is the right thing to do. 

Both the woman with whom I spoke and her manager told me they lacked authority to give me a full credit. They are third party billing agents, not Macys employees. The remaining fees after their adjustment is {$33.00}. I explained I planned to dispute that amount. 

On the same day, XX/XX/XXXX, I went to the Macys store in XXXX MA to return other items. When I tried to buy some other items, my Macys card was declined. The sales person gave me the enclosed receipt which incorrectly says my current balance is {$92.00}, almost 3 times the disputed amount. I checked my statement online yesterday and it remains unclear why the enclosed receipt says my card balance is {$92.00}. 

On XX/XX/XXXX, I wrote the address listed on the statement to dispute the divergent late fees. I did not receive a reply. 

On XX/XX/XXXX, I called Customer Service again, who told me Macy 's has no record of my XX/XX/XXXX complaint. They gave me a new address for what they say is Corporate. Now my late fee is {$75.00}. The numbers keep changing. 

This sequence of events shows that Macys has a misleading, deceptive, confusing billing system. I want Macy 's to XXXX balance the bill.
Product: Credit reporting or other personal consumer reports

15 U.S.Code 1681c-2 a consumer agency shall block the reporting of any information in the file of a consumer that the consumer identifies that resulted from an alleged identity theft, not later than four business days after the data of receipt. I have attached a copy of my FTC report number to this compliant to prevent further stall tactics from TransUnion XXXX
Product: Debt collection

I have already settled my account with XX/XX/XXXX. I settled with the amount paid of {$530.00} which was 50 %. This was paid and settled on XX/XX/20. Confirmation number XXXX. I asked to please remove this from debt collections and credit report. The debt collector Resurgent capital services is now coming after me for the same debt and it has been months since contacting to get it removed. They say they are waiting for XX/XX/XXXXto respond. They have been provided with the confirmation number and payment information but still have not removed the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report information is incorrect These accounts have been closed XXXX XXXX XXXX XXXX These accounts should be removed from my consumer credit profile These accounts should be removed from the three credit bureaus - XXXX - XXXX - XXXX
Product: Money transfer, virtual currency, or money service

During all of 2018, Ive happily used my PayPal account to purchase my important things through merchants. In early and mid months of 2018, the PayPal website would request from me my mobile to number to verify identity again, and it was always successful. On XX/XX/XXXX, I received my third incoming seller payment that I accomplished via XXXX. The amount on XX/XX/XXXX was {$150.00}. My funds were placed on hold until XX/XX/XXXX. The funds were released to me on my PayPal account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I attempted to purchase socks from XXXX for {$8.00}. My purchase could not be processed by PayPal because I was running into an error message. PayPal once again requested from me my mobile number to verify identity again, of which it was not successful, and is still not successful. PayPal has told me that their security flagging system is automatic, that nothing can be reconfigured, although I hardly believe they tell me the truth. There was not a problem with my identy verification before I processed a seller payment from XXXX into my PayPal account. All of a sudden I ran into error measures that they could not explain to me in any specific way. They clearly have a system larger in scope that simply identify checks. It is based on what theyve made the system which is a system that is built to do whatever it wants whenever it wants to peoples money and personal accounts. I hereby chose to end my relationship with PayPal and close my account. And once again, they have made up their own reality and took illegitimate control over my account. PayPal will not close my account because : A ) Their faulty security system continues to request my mobile identity verification ever after I removed my mobile number from their site, B ) On the telephone PayPal told me I could not close my account until I have withdrawn the funds even though they know I can not withdraw or debit due to their error message, and C ) in a new e-mail dated yesterday, they slammed me with more demands that I must have my withdrawal cheque processed and cleared by my bank before PayPal will choose to close my account. They know for a fact that they can submit unclaimed funds to any U.S. State. They are not legally bound to force me to take funds in order for me to close my account. Theyre creating their own deceptive abusive policy because they have chosen this. I will not do business with PayPal. I do not consent to any business with PayPal. They are not pals in any shape or form. They are XXXX. Greedy XXXX XXXXXXXX with a T.O.S. thats hundreds of pages long, and of how thousands of consumers have hatred for them all over the Internet. My PayPal balance as of this letter date is {$0.00}. PayPal will close my account NOW.
Product: Student loan

Fed Loan Servicing has the incorrect amount of on time payments made to the Public Service Forgiveness Plan. There was a different loan servicer before them, and when they went to go back to certify my payments they are coming up with a much smaller number of payments that I have made. Despite the fact that previous loan servicing agencies already verified this information. In fact, I have been waiting 6 months to hear some response on my complaint to them. Every time I call they say they are still waiting to hear from various lenders. I should be right around 110 on time payments on both loans. They are so off that they have different amount of months of on time payments, for the two different loans. The problem is that I make one payment each month and it is split between the two loans, So, the two loans should not have different amounts of months of on time payments. Everything was accurate, until Fed loan servicing came in and and started reverifying payments. The expectation is that they go off of the amount of on time loan payments originally reported to them when they first got the loans. These other loan servicing agencies have no reason to lie about payments, and therefore what they originally gave to Fed Loan Servicing should be honored. They are asking some of these loan servicing companies to go back almost 10 years, and I don't think the records are there to support them going back that far. The bottom line is that the number of on time payments should be honored by Fed Loan servicing..
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts in my credit report that I do not recognize them
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquiries and I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings. 

XXXX XXXX XXXX XXXX : XX/XX/2021 Credit Union XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, 2021 Bank XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX NA Inquiry : XXXX XXXX, 2021 Bank XXXX XXXX  XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have reported unauthorized inquiries on my consumer report without my knowledge. These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We asked for a forebearance due to pandemic. Caliber sent paperwork saying that the entire forbearance amount would be due at end of forbearance. If the amount of forbearance was not paid they would increase interest rate and/ or start foreclosure proceedings. 
Caliber has had several civil law suits for illegal mortgage activity. 
We have an immense issue with our current mortgage which I WILL submit when all paperwork and text are copied. 
Caliber is very difficult to deal with and takes no responsibility for fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX XXXX XXXX XXXX numerous time with all three bureaus. The credit bureaus continuously change the information on this account updating status, changing payment information, and rearranging the inaccurate information on the account. I have asked for deletion of this account due to incorrect and inaccurate information yet they wont delete it, they keep changing information. If, all information is supposed to be reported accurately to all three bureaus then how and why do they keep changing the information and if its inaccurate and im asking for them to delete it why wont they. Please Delete this account immediately.
Product: Credit reporting or other personal consumer reports

This company is illegally reporting misleading or false information on my credit Report! This account has been sold to a debt collector! Ive sent a letter requesting information and I havent received a response yet.
Product: Credit reporting or other personal consumer reports

Personal Statement Regarding Identity Theft I am writing to report that the following accounts were fraudulently opened in my name without my knowledge or authorization. Upon reviewing my credit reports, I discovered these unauthorized accounts, which I believe are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these accounts, and I am not responsible for them. I am a victim of identity theft and request that these accounts be thoroughly investigated and removed from my credit report as they are fraudulent. 

Additionally, these fraudulent accounts have led to several unauthorized hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a list of the specific hard inquiries in question, along with a copy of the consumer FICO credit report maintained by you that displays these fraudulent items. I do not recognize the listed accounts, collections, or hard inquiries, and I affirm that none of them were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. 

As further evidence, I have attached a copy of the FTC Identity Theft Criminal Complaint ( Case Number : XXXX ) to confirm that the fraudulent accounts, collections, and hard inquiries were filed with the U.S. Federal Trade Commission as identity theft-related.

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

Please advise me on the necessary steps to resolve this issue and correct my credit report accordingly. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

This complaint involves Bank of America ( BOA ) Mortgage Account. BOA escrows the funds to pay my homeowner 's insurance as a part of my monthly mortgage payment. 

In XXXX of this year, BOA informed me that starting in XX/XX/XXXX my monthly mortgage payment would rise from {$3400.00} to {$4100.00} to cover my newly received homeowners insurance bill for XXXX XXXX through XXXX XXXX of {$6400.00}. 

I immediately contacted my homeowners insurance company, XXXX. My normal homeowners ' annual insurance coats were approximately {$2100.00}. I continued to make my usual payment of {$3500.00} ( the mortgage plus {$6.00} towards the principal. ) XXXX explained that the total of {$6400.00} was for THREE YEARS : XXXX XXXX through XXXX XXXX and could be AMORTIZED over three years. And did NOT have to be paid in one year as BOA was attempting to do. This would return my monthly mortgage back to its original amount of {$3400.00}. This amortization could be retroactive back to XX/XX/XXXX when BOA first attempted collect the higher monthly mortgage. In fact my homeowners insurance had not gone up at all. 

On XXXX XXXX, XXXX, the XXXX XXXX notified BOA of the three year amortization. However, BOA continues to demand the larger payment of {$4100.00}. When called BOA ACKNOWLEDGED RECEIVING THE COMMUNICATION FROM XXXX. 

Last week, I was notified by a credit watch agency, BOA has posted on my credit reports a MORTGAGE DELINQUENCY, even though I have continued to pay my mortgage on a timely basis.
Product: Student loan

I asked for a refund for the amount I paid during COVID. This was about a month ago. XX/XX/22 and I have gotten no word from them besides it will be processed. They didnt tell me how it would be processed and I need my money back for emergency expenses.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these 3 credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. 



Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report. 



IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT. 



DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS? 



WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS XXXX RECORDS WERE REPORTED WITHOUT CONSENT. 



WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED? 



NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES. 



YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS. 

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY. 



YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX Opened XXXX {$960.00} XXXX XXXX XXXX Opened XXXX {$3600.00}
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name # XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card

About 18 months ago I had to buy a new furnace. The HVAC company set me up with Synchrony bank and I made payments of {$280.00} per month. When I called to make sure my payment information was correct they informed me I had missed the end of a " promotional '' period which they said ended on XX/XX/XXXX. Other than the information that I had made payments every month, they did not forewarn me that the promotional period was going to end. I'm guessing it was the fine print in emails littered with fine print. So that furnace, which as XXXX} I had paid down to roughly XXXX Now they said they are charging me XXXX  in interest. I'm XXXX XXXX XXXX and on a fixed income. I feel cheated that these people did little or nothing to take inform me of such a critical amount of money was due at a very particular due date. Their services should at least come with a warning.
Product: Checking or savings account

I filed a complaint regarding my account with Capital One, which was blocked following a XXXX transfer of {$1400.00}. I was asked to provide personal information about the sender, which I was unable to do. Despite my efforts to confirm the legitimacy of the transaction with my own information, Capital One decided to block the account for a review. After some time, I requested the account to be closed, and Capital One assured me that the funds would be issued via a check. However, the timeline for this was not specified, and I have not received the funds. 

After my initial complaint to the CFPB, Capital One responded differently to me and to the CFPB. In their email to me ( dated XX/XX/year> ), they stated that the review was completed, and the account would be closed, with the balance sent to my linked checking account or via check to my mailing address. However, in their official response to the CFPB ( dated XX/XX/year> ), they claimed the review was ongoing and that the restriction on my account remained. 

This inconsistency raises significant concerns about the transparency and handling of my case. I am seeking clarity on the actual status of my account and the release of my funds, which Capital One previously promised. Additionally, I request the CFPBs assistance in ensuring that the company resolves this matter promptly and provides accurate information to both me and the XXXX. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!