23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX, 2015, Macy 's notified me and my wife that our combined Macy's-American Express card ( which is actually XXXX accounts on XXXX card ) had been used to purchase {$3000.00} worth of computers at a computer store XXXX ( using the XXXX account ), and {$3000.00} worth of perfume at a Macy 's XXXX ( using the Macy 's account ). We know nothing about these purchases ; our cards have been in our possession at all times, and we have n't been to the computer store XXXX or anywhere XXXX in a long time. 

We contacted XXXX about the computer purchases, and the problem was fixed very promptly. 

Not so with Macy 's. Macy 's has given us the run around for several months. Each call takes an hour or so ; each time, the person we speak to does not have the power to fix things, but they tell us that they will be talking to people who do. We asked several times for a fraud report to file with the company, not getting XXXX for a couple of months. When we finally got it, we filed it, and nothing happened. We are now mailed new, blank fraud reports to file from time-to-time. 
I also filed a report with customer service on Macy 's website. Almost two months later, someone contacted me, telling me that they could n't actually do anything, but that they would monitor my situation, and that I should again file the fraud report that I had already filed, which I did. I finally got someone who called me back and gave me a name, badge number and telephone extension. Unfortunately, his phone number is a general purpose credit number that puts you on hold for extended periods ( I am on hold for 44 minutes as I write this ). About 10 days ago, he left a message to say that we would be getting a letter telling us that our problem had been fixed. 
We did n't get such a letter. Instead, we got a letter from Macy 's telling us to make a minimum payment for an account that has a number that I do n't recognize. As we have n't spent any money in Macy 's or used our Macy 's credit account in months, there could n't be any minimum payment due from us, even if this WAS an account of ours, which it is n't. ( In fact, Macy 's owes us money because we made minimum payments on the amount that we did n't owe, just to avoid any kind of collection effort from these incompetents. ) This has proven a complete nightmare.
Product: Debt collection

This is what the XXXX  said : They said the data was correct. I have the bank statement where it was paid directly to the doctor 's office. XXXX XXXX on XX/XX/2019, and posted to my account on XX/XX/2019, for the amount of {$570.00}. This is causing major problems with my ability to get a student loan for my daughter and time is of the essence. 
INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Past Due. Here is how this account appears on your credit report following our investigation. 

CREDIT CONTROL CORP XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX This account was paid {$570.00} was paid in full full on XX/XX/2019, at the doctor 's office. I can provide you with a statement of {$570.00} from XXXX XXXX
Product: Student loan

I was on a forbearance due to the XXXX XXXX and I noticed the loan grew, when I asked why someone was suppose to call me back but never did.  XX/XX/XXXX.  I went back to school in XX/XX/XXXX and I see another loan for XXXX more dollars.  I asked to consolidate my loans because, I make less money now and was denied.  I got a bill due for this month but I can not get anyone to address the XXXX.  I also got a notification that the school is being closed and any paper work may be lost.  I told Navient this and they said that I would not have to pay it probably, but I can not get anything in writing.  I do not want my credit affected by this.  Thanks for anything you can do for me, I just want some answers.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX BALANCED {$440.00} XXXX XXXX XXXX BALANCED {$3500.00} XXXX XXXX BALANCED {$1600.00} XXXX XXXX BALANCED {$720.00} XXXX XXXX XXXX BALANCED {$1300.00} XXXX XXXX XXXXXXXX BALANCED {$720.00} XXXX XXXX XXXX BALANCED {$1300.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$10000.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXX/XX/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: Vehicle loan or lease

I used loan products from the company Motolease LLC, I discovered fraud in the contract and tried to rescind the contract. I have proof of sending the letter to invalidate the debt via certified receipt of mailing to Motolease LLC at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. I also included a Cease and Desist letter asking not to be contacted by phone and Motolease employees called me 3 time using international numbers in which I recorded the Motolease employees harassing me. Motolease intentionally violated 15 USC 1635 ( H ) and 15 USC 1692 ( J )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I applied for credit with XXXX XXXX. This application was denied on the basis that I am " Deceased '', as reported by the Experian Credit Bureau. 

I am still very much alive. 

Experian is reporting my death to everyone right now. 

Experian has no telephone number to report this to, and no e-mail ability either. 

I have written to them but they have not responded.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX XXXX, my father is XXXX XXXX XXXX. Portfolio Recovery Associates is continuing to report an item on my credit report ( s ) to XX/XX/XXXXXX/XX/XXXXand XX/XX/XXXXthat is not mine. I have never opened an account with XXXX XX/XX/XXXXor Portfolio Recovery Associates. I have made several written disputes with Portfolio Recovery Associates and XXXXXX/XX/XXXX under Section 609 of The Fair Credit Reporting Act which requires both of them to produce specific items, including but not limited to authorization to pull credit reports and copies of contracts and/or agreements. As of the submission of this complaint neither XXXXXX/XX/XXXX nor Portfolio Recovery Associates has complied with my request in violation of Section 609 of The Fair Credit Reporting Act. I am once again attaching specific notices under Section 609 FCRA that REQUIRES XXXXXX/XX/XXXX and Portfolio Recovery Associates to comply with. They can not comply with this notice under Section 609 FCRA because I did not have an account or agreement with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. I have attached Exhibits that prove i was denied because of the negative information Experian has furnished on my Consumer Report without Written permission from Me the federally Protected Consumer.
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 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not help me remove inquiries over 7 years or hard inquiries that I didnt authorize and the dates arent even correct. All the companys on my credit report said that Transunion is responsible for removing hard inquiries off my report and they didnt. Ive called them many times and they keep telling me to call the original creditor but in fact the original creditor tells me that Transunion are the ones to remove hard inquiries and credit that is over 7 years. I have 17 inquiries that I didnt authorize. Please contact Transunion to delete all inquiries. Transunion isnt very helpful for people trying to clean up there credit that is fraudulent.
Product: Credit reporting or other personal consumer reports

there are XXXX inquiries on my report not tied to any cards of mine that I did not apply for. same inquiry XXXX there is now on alert
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I traded in my XXXX XXXX to XXXX of XXXX for the XXXX XXXX. Per the trade, XXXX was to pay off my existing loan with Bank of America for the XXXX XXXX XXXX XXXX did not send out the check to pay off the loan on the XXXX XXXX until XX/XX/2022, so it was reported on my credit that I had two late payments. I called and spoke with the dealership several times during this period because I was notified in XXXX via a credit report ding that the payment was late and the loan had not been paid off. It wasn't until I threatened to leave a public negative review that it was paid off. XXXX stated that they would attempt to dispute the two late payments because they were caused by their negligence, but they did not.
Product: Credit reporting or other personal consumer reports

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, XXXX XXXX
Product: Debt collection

I sent a letter to Amsher collection services on XX/XX/2023 asking for verification of the company such as their licensure and how do they know that I owe said amount to XXXX. I have not heard anything from the company as of yet.
Product: Student loan

Navient has delayed the process of me applying for direct consolidated loan with XXXX. Advantage stated they requested payoff information from Navient and only received the subsidized amount. They have requested both the subsidized and unsubsidized payoff amounts. This has created a delay in the process and we are now months into the process. This has resulted in Navient being able to reinstate my payments that were in forbearance without notice which has resulted in past due status of my account. This also jeopardizes my eligibility for my PSLF application. This is unfair and unjust and Navient should answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ... .Also my information has been comprised by the Equifax data breach and may have gotten into the hand of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several disputes to XXXX, XXXX XXXX and the 3 credit bureaus regarding some lates they reported on my credit. I requested deferments with the creditors and they agreed and said they would not report me late. These all occurred during Covid when I was affected by the pandemic. I am asking due to the Cares act that you please help assist me with getting the creditors or bureaus to remove the lates they reported that have caused my scores to drop over XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every 30 days starting in XX/XX/2019, I have been sending official signed notarized letters with a copy of my drivers license and social security card and to this date I have sent 4 separate letters to XXXX, Equifax and XXXX. These letters have been to provide me with the original creditors documentation on file to verify that this information on my credit report is mine and is correct. My complaint is related to Account Name - DEPT OF ED / XXXX, Amount - over $ XXXX. The credit bureaus and the company XXXX which I sent out 5 letters to was to verify this account and provide me the original signed contract for this debt. Neither the bureaus or the company has provided that information and their responses was simply stating it was verified with out documentation. I want this account deleted from my credit report as this debit is unverified therefore I am not responsible for these payment XXXX is saying I owe.
Product: Credit card

Wells Fargo Bank , N.A . has charged off my credit account but has not supplied me with a 1099C form is thus committing fraud. Is now suing me for compensation for what they have considered a loss.
Product: Debt collection

Unifund served me at the corporate office to an employer I no longer worked for and got a judgement.in XXXX. I was never given the chance to dispute because I never had a XXXX credit card.I tried calling XXXX XXXX XXXX in early XXXX XXXX, trying to get more information as I did not understand what they had sent me and was told by the paralegal to refer to the paperwork they had sent.
Product: Debt collection

I looked at my credit report on XXXX/XXXX/XXXX to see an account in collections, XXXX XXXX ( XXXX ), reporting an account to collections that I have never heard of before. 

I am in the process of purchasing a home and do n't think its fair that a company reports an item on my credit report without providing any written notices to dispute it. This is in pure violation of section 809 ( a ) of the FDCPA : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- '' I have the right to sue this company for improper adherence to the laws that govern them.
Product: Debt collection

I included a letter that I received from XXXX XXXX XXXX of the BBVA dated XX/XX/2020. This letter indicated the revised schedule for my next payment is XX/XX/2020. 
On XX/XX/2020, and XX/XX/2020, the representative from the XXXX XXXX XXXX department called me from the number ( XXXX ) XXXX and told me that my account was late for the XXXX payment, I responded to the representative that I received the approval letter, and my due date is XX/XX/2020. But the representative told me that the letter which I received was incorrect and I needed to send it back to the BBVA. 
I believe the staff from the XXXX XXXX XXXX department violated the Fair Credit Reporting Act under the Federal Trade Commission. Because in the letter, the language expressed that if I disagreed, then respond in 10 days to the BBVA ; otherwise, this extension will remain in effect. 
On XX/XX/2020, I received a statement that indicated my account has a late fee of {$33.00}, and the original payment was {$670.00} went up to the amount of {$1300.00}. 
On XX/XX/2020, I received a statement which indicated there was a late fee of amount {$33.00}, and the BBVA reported to the Credit Bureaus Agencies for late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just edit the way you see fit. This the mumble jumble I wrote below. 

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. XXXX   Inquiry from XX/XX/XXXX, XXXX XXXX, Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX & XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Checking or savings account

On XXXX XXXX I received a phone call from my bank asking me to verify my information in order to receive payment from IRS of XXXX. After speaking with my bank ( within minutes ) my account had been debited for XXXX. I immediately called the bank back ( the number on the back of my card ) and told them I think I may have just been scammed. I instructed the bank to immediately just close my account and mail me a check. I have called Netspend multiple times regarding this issue as I have yet to have access to my XXXX. I was told on XXXX XXXX that a check had been mailed and given a bogus tracking number. I filed a police report the night of the happenings and I have sent over all required paperwork. I keep getting a run around from this bank ( Netspend ) and would appreciate any help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted. : XXXX XXXX {$3100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX 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, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX