23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an unresolved issue with a Macy 's charge that is impacting my credit report. I have been a loyal Macy 's customer for over XXXX  years, and I have never had a late payment or any issues with my account. 

I ordered items from Macy 's, but I never received the items. Despite this, I was still charged, and I was not notified about any issues. I received a letter in the mail informing me of this charge, and upon contacting Macy 's, I was told it was an error on their end. Macy 's confirmed that they would reverse the payment and take the charge off my account. However, they failed to remove this from my credit report, which is severely impacting my credit score. 

When I reached out to Macy 's for assistance in correcting the matter, I was advised that they could not help further. This situation is preventing me from moving forward with important financial decisions, including purchasing a home. 

I kindly ask that you investigate this issue and assist me in resolving the impact on my credit report. I have always maintained a responsible payment history, and this issue has been caused by a mistake on Macy 's part. I would greatly appreciate your prompt attention to this matter to ensure that my credit score accurately reflects my true creditworthiness. 

Thank you for your time and assistance.
Product: Money transfer, virtual currency, or money service

I had about {$2300.00} stolen off of my current bank account overtime
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA at XXXX XXXX XXXX, Forth Worth, TX XXXX or XXXX Hello, I am reaching out to complain on Santander for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything from the bureaus XXXX XXXX XXXX XXXX and Santander Consumer USA. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me XXXX  Deleted the account. I have mailed several certified letters & signature return receipts, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

i have sent santander consumer certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature starting on XX/XX/XXXX - XX/XX/XXXX. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted. delivery confirmation will be Included.
Product: Debt collection

Chase Bank calls my business line almost every week ( sometimes more, sometimes less -- twice in a day occasionally ) looking for a XXXX XXXX, or Accounts Payable, at XXXX XXXX XXXX XXXX. They simply have the wrong number. I tell them my own name and the company 's name and tell them it does not match who/where they are calling. They have repeatedly said they will remove my number from their list, yet they never fail to call again and ask for XXXX XXXX. I have even told them a quick XXXX search will give them the contact information for the company & person they are looking for ; that I could even give it to them myself. They said they can not do that, say they will remove me, and call back again. Sometimes, they even acknowledge that there is indeed a " do not call '' note in their system, but " thought [ they ] would try anyway. " I have also contacted them via XXXX ( since obviously phone conversations were doing nothing ). They apologized and said the number has now been removed completely. Apparently, that was a lie, as I received another call one week later. This is harassment and is disrupting our place of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX MY University notified me that I was approved for the XXXX grant- these grants were not supposed to be registered as loans and they have added thousands of dollars inaccurately to my overall debt on my credit report. 

I am also writing because an unverified innacurate Collection form XXXX is still showing up on my XXXX account even though the other bureaus have already found fault in reporting and removed it. What does XXXX have to verify that this account is accurate when I have been diligent in supplying them ample evidence that this account is clearly being inaccurately reported against my FCRA rights! 

And A chargeoff from XXXX that is not being reported accurately. How can a charge-off/collection also show that I paid my account on time? How does a consumer get such a major derogatory item on their credit report but yet it's reported I was paying my bills on time, every month? I have been sending in disputes for over a year and the bureaus have failed to explain how this account is still being able to be reported. It is Clearly a major violation of my FCRA rights!! 

I have written to XXXX, XXXX, and Experian and they have refused to take these inaccuate accounts off of my credit report. Per my understanding, due to the FCRA this is highly illegal and unfair to my reporting rights. I do have the right to request anything inaccurate be removed from my credit report. 

Attached below are some of the numerous attempts I've made to get these items removed from my reports being that they are clearly inaccurate
Product: Credit card or prepaid card

On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs Apple. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error.
Product: Debt collection

I am writing to request the CFPB agency 's hepl. I don't know what else to do. I tried to solve this issue with Ford Motor Credit in the  past but they have failed to give me a fair solution. This company is reporting an account that is related to fraud. 

I tried to solve this issue with them back on XX/XX/XXXX but they did not do anything about it. The account that is related to fraud and that I am demanding to be removed from my credit report is the following : FORD MOTOR CREDIT COMPANY, account # XXXX. Date Opened XX/XX/XXXX. Original Balance {$16000.00}. Balance {$0.00}. Closed. 

I want a fair solution to this issue. I know my rights and they should not be reporting a related to fraud account to the credit bureaus. I am demanding a DELETION LETTER and a notice sent to the trhee major credit bureaus so that account gets removed from my reports. I am having health issues because if this, high levels of stress and other affections. 

If Ford motor credit fails to remove this fraudulent item, I will not hessitate filing suit, since they have committed multiple violations. It's been more than 60 days and they have failed to investigate the account or mark the account as disputed after they received my dispute notice on XXXX  of XXXX. Also, they have faild to send me a debt validation that I requested. This is another violations under the FCRA. 

I hope to have a positive answer and I know that once I speak to my attorneys, the list of violations will go up. 

See attached : letter sent to the company on XXXX of XXXX, proof of fax and FTC report. 

Thank you!
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. 

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 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, credit repair services, or other personal consumer reports

I am working on repairing my credit, so I have been using XXXX XXXX. One of the derogatory marks, has an origination date of XX/XX/XXXX, through a collection company, called Contract Callers Inc. The original debt, being from XXXX. Any account I had with XXXX, would have been from XXXX. I called the company in question, to inform them of the mistake, but they refuse to change the date. My problem is, if they are allowed to continually change the origination date, this debt will never go off my credit. The debt is for {$1400.00}.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of inaccurate late payment information on my XXXX, XXXX and XXXX credit report. Up until this recent account issue, l 've had no missed payments with with the Goldman Sachs Apple Credit Card firm since my credit card was first originated or ever in my credit history lifetime. 

I recently pulled my credit report with XXXX, XXXX, and XXXX and discovered I now have a XX/XX/2023 missed payment reporting on my Goldman Sachs Apple credit card account ( Goldman Sachs is the underwriter ). 

My XX/XX/2023 XXXX credit card statement states a payment was due by XXXX XXXX, as shown in the attached page of my statement. On XXXX XXXX, a payment for the minimum balance, {$440.00} was made, as shown in the attached photo. 

Thus making my missed XX/XX/2023 Apple credit card payment inaccurate.
Product: Debt collection

I am writing to express my dissatisfaction with the inaccurate reporting of the following accounts on my credit report. I expect prompt action to hold the banks accountable for their commitment to remove these accounts after a thorough review. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

on XXXX at XXXX Est i was contacted by someone who claimed to want to pay my debt off XXXX i doubted it at first because it seemed like to good to be true. usually im used to scammers asking for my information ( bank account #, passwords, etc. ). however, this time was different, the person offered me their bank information, account number and everything. The person then asked me to pay off my credit card in full, which i did with the bank information that they had given me. afterwards on XX/XX/XXXX they demanded that id buy them Gift cards from XX/XX/XXXX, saying that they just paid off my debt that it was the least i could do for them. so i did with the same credit card that they had cleared my debt off from. i bought {$800.00} worth in gift cards on XX/XX/XXXX, and another {$550.00} on XX/XX/XXXX. totaling {$1300.00}. the day after ( XX/XX/XXXX ), i was notified by best buy that the bank account used to pay off the original debt of {$1900.00} was cancelled and could not submit the payment. AFTER i had already bought {$1300.00} worth of gift cards on the credit card. i contacted the person to ask about the bank account and why it was closed before the payment submitted but the never replied to me. i called best buy the next day ( XX/XX/XXXX ) ask reported that my card was used for fraudulent purchases of gift cards and that my debt had accumulated to about {$3700.00}. however they told me that they could not help because technically i made the purchases of the cards and because of that it was not considered fraud. however in my defence, if the payment had not gone through yet, why did best buy allow more charges to apply to the card. why didnt they put a lock on my purchases while the payment was being submitted. i do not believe that i should be held responsible for the debt that was scammed off my card because the cards were not used by me nor did i benefit from the purchase. this has caused an immense amount of stress in my life and i hope that you guys will help me resolve this nightmare that im in. thank you very much.
Product: Mortgage

In XXXX, after Hurricane Irma, we were approved for a Disaster Loan Modification ; we continued with monthly payments. Few months after the modification, we called the bank to ask for the whereabouts of the modification funds, and we started receiving statements with threats of foreclosure. In XX/XX/XXXX, we sent packages with copies of the Disaster Loan Modification and payments made to Home Point and to the HUD   offices in Washington and XXXX. In XX/XX/XXXX, we submitted a claim to the CFPB ( Claim # XXXX ). Within 10 days, we received a letter from HUD determining that " Home Point Financial delayed in completing the Disaster Partial Claim option '', and that the credit would be corrected. We also sent the same package to the lawyers that initiated the foreclosure on the bank 's behalf. 

To this date, my credit report still displays over 150 days delinquency, and when we call the bank to request information about the reason why it hasn't been corrected, the bank representatives stated that there are no records or letters in our file. Not even the foreclosure! We decided to fix our credit ourselves but the credit bureaus are asking us for the letters from the bank with detailed explanation on the dates and reasoning for the reported delinquency. We can't find a person in that bank to provide us with this letter. We spoke with a supervisor in XX/XX/XXXX and provided him with the letters sent by the HUD and Home Point. No answer or call back.

They lied to the CFPB, to the HUD, and to us when they stated they would correct our credit by removing the delinquency that they generated.
Product: Credit reporting, credit repair services, or other personal consumer reports

You provide credit reporting information to your partners efficiently through a digital system. 

With this in mind, it is unreasonable and inconvenient for you to only offer the ability to request a copy of my NCTUE Disclosure Report through a slow and inefficient automated phone system or through the mail. 

With this in mind, it is unreasonable and inconvenient to require consumers to call different phone numbers, each requiring their own verification, to place freezes and fraud alerts. 

The complexity of this process indicates that NCTUE intentionally tries to make it difficult for consumers to exercise their rights. 

In addition, NCTUE does not comply with 12 CFR Part 1022.137 ( a ) ( ii ) ( B ), and does not provide a way to file a complaint with the NCTUE and the CFPB in the FAQ section of their site.
Product: Credit reporting or other personal consumer reports

RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNTS ARE ( **CHARGED OFF/CLOSED ** ) WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCES OF EQUIFAX CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR EQUIFAX TO REPORT THIS ACCOUNT EQUIFAX WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF ( XXXX ) THE FOLLOWING ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B. 

Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : PA XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 


Account Name : XXXX XXXX  Account Number : XXXX XXXX Date Opened : XXXX XXXX, XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT EQUIFAX CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$170.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$110.00} 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: Credit card or prepaid card

My credit card was utilized on XX/XX/2022, at XXXX in the store for a merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$960.00} and it was fraud. During that morning, I was at the hotel pool while my room was being cleaned. My credit card was in the room. I informed Citi Cards that my credit card may have been taken by hotel staff, used and returned OR that somehow the numbers were used. I was told today that I will be responsible for the charges because during their investigation they learned that I provided the merchant with my account information for a " series of purchases. '' This is absolutely not true. I used this credit card twice, once at the hotel and once at a medical clinic to pay for my covid test. I called the hotel and the medical clinic to verify that they were not at all connected to the merchant who charged my card {$960.00}. They verified they are not connected to that merchant. I am not willing to pay for charges I did not incur, and am willing to get an attorney. Citibank Security Services will not re-open my dispute nor credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a fraud report to each credit bureau. The disputed information was removed on XX/XX/18. The information reappeared on my credit reports. I have not received any written notification as to why it was added on my reports again Which Is a violation of my consumer rights. 

The information that was regarded is as follows : XXXX XXXX - {$2800.00} XXXX/ XXXX XXXX {$450.00} XXXX XXXX - {$1100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I seem to get everything I dont ask for I have made some simple requests. First the new claims youve opened are not new at all! In fact there has been nothing added since my police report sent to you in XXXX of 2021. I was asked to highlight the transactions that were not mine. But these are the same ones from XXXXXXXX. I was the one who brought up to XXXX XXXX that this didnt seem so right that youve waited to dispute or investigate my fraud XXXX years into it. I knew none of the merchants would have to cooperate had you done the investigation of properly we would have been done. The fraud never was XXXX, k in fact it was on our around XXXX at the time you received the police report with the transactions. Why you didnt use my report is negligent on your behalf The police report lays out what went on. And it needed to be used in this! It was there XXXX weeks ago according to XXXX. I know it arrived to XXXX XXXX and XXXX XXXX back in XXXX of 2021. And as much as you have written with these huge amount of transactions is wrong!!! I never phoned and added XXXX transactions I also never received the letters you claim were mailed. Do you have some kind of proof of your letters and bank cards reaching me? 

I have asked over and over again for a list of transactions that fall under each of the claim numbers given. I would guess that you should have transactions that total the dollar amount for each XXXX of the claims below. 

Claim XXXX XXXX Claim XXXX XXXX XXXX XXXX I also would like to know why the bank sent to me XX/XX/XXXX via email a list of transactions debits credits. And by XX/XX/XXXXXXXX 2024  the double transactions have vanished. Where did they go? 

I also want to point out how wrong you are that you feel the money I have gotten back has been for returns! I have managed to get half of what was owed to me at the start. I did better than you all did! I was having merchants investigate while you were too busy saying these were mine!! Just look at the dentist I have many emails just like this!. 

Photo and videos were available for XXXX  days You knew this and failed to ask for them. 

I am still owed around XXXX in fraud and credit for the and the police report needs to be factored in I had my computer hacked my personal accounts drained my identity taken and a personal credit card used. This is important and had to be factored in. And being that XXXX who works with XXXX XXXX saw this XXXX weeks ago ( pull the phone call ) its there somewhere. You have the original I would have to order another for XXXX and I dont have the money to order another one.