23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I bought two perfumes and a sample perfume at XXXXXXXX XXXX XXXXXXXX Macy 's store that cost around XXXX dollars. Macy 's employee told me I could get a discount if I made a Macy 's credit card, which I did. I wasn't sure if I could get approved since I am an XXXX XXXX. A couple of weeks later, I got a letter from Macy saying that the credit card was not approved at the [ first address ]. I thought Macy 's would send me a statement letter so I could pay the money owed, but I never got a mail or an email other than the E-receipt ( attached ). My phone number at the time was [ phone number ]. I did not get anything and I moved to a [ second address ] on XX/XX/XXXX. Macy 's may have called me, but I thought it was spam because all the call operators had the same accent as any other spam calls I received in the past. 

I saw my credit score dropping starting XXXX and I thought I didn't pay my other credits cards on time. It wasn't until XX/XX/XXXX when I requested a credit report and saw Macy 's credit card was the cause. 

I called Macy 's to pay for the perfumes and whatever interest charge I have, but they haven't given me any good information about my account and didn't give me a way to pay the charges. I don't have a credit card number or even a statement of the perfumes I bought. When Macy did not approve my credit card, Macy 's failed to take the next step of sending me a statement after they did not approve the credit card so I could pay the bill via email or mail.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that some accounts XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX report were breaking the law and violating my rights law FCRA section 605B states That it is illegal to it is illegal to furnish information on my credit profile without my permission Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. y rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( Experian, XXXX & XXXX XXXX to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Vehicle loan or lease

My vehicle was a TOTAL LOSS, my insurance Company paid the Value of the vehicle, I got on ALLYs app that I always use to pay my bill with them. I paid off the balance, and when I did it put up a prompt something to the effect of ( are you paying off your vehicle ) which I answered yes and I paid it off. On my ALLY APP HOME SCREEN it showed my Payment Amount for my other vehicle with ALLY, and the loan I paid off the APP was telling me I had a XXXX balance. Then approximately 45 days later my fraud protection went off and it said I missed a payment on a vehicle I paid off in full. So they said I still owed them like a couple meaning literally a couple dollars then they added a late charge to it and hit me for approximately {$26.00} for the balance and the late.fee. I paid them what their junk app said to pay them, why would I pay them the whole balance due and not pay {$2.00}. I. Called them immediately trying to get their mess fixed to no avail. It was about a {$600.00} a month loan that I had never been late on and paid off the balance due plus my other ALLY loan for {$1400.00} has never been late.it make no sense that ai would XXXX over my credit by not paying {$2.00}. So then they asked what I wanted to do about it and I told them I want to pay it even though I dont owe it because I didnt want their XXXX up to turn it to them reporting me as XXXX late too. Then to top it off they still screwed up my account payoff the second time because when XXXX paid their {$26.00} extortion to make it stop screwing up my credit they sent me a check for XXXXXXXX XXXX Yes I got a check from ALLY for XXXX CENTS! It has made me so mad I have a {$59000.00} balance on my other vehicle that XX/XX/XXXX I will get a payoff demand in writing on my other loan and wire transfer the payoff for my other vehicle and close my account with ALLY! Their junk app sucked almost XXXX points out of my credit scores with all three Credit Reporting Bureaus into the high XXXX to low XXXX. I have called and called and wasted not only hours trying to get ALLY inept offshore CUSTOMER Dis-SERVICE DEPARTMENT to try to fix this and have got absolutely nowhere with them I would be more than happy for you to publish this complaint. After XX/XX/XXXX ALLY will never make another dime off me and if it sways someone else from making the same mistake I did and thats even doing business with ALLY then that would be great. And BTW Im not going to cash that XXXX XXXX Check they sent me back Im just going POST a photo of that XXXX XXXX  CHECK they sent me back and SLAM ALLY on all my Social Media Accounts to no end! Theyll wish they would have fixed their XXXX up they obviously dont care about losing me as a customer, I just hope I can sway others not to make the mistake of doing business with ALLY!
Product: Vehicle loan or lease

Regardless of the multiple written requests, the AM HONDA FIN account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( AM HONDA FIN XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am brining to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector continues to report an account on my credit report that should not be there. On XX/XX/2018, I wrote to this company and had them served notification of my dispute by certified return receipt mail where I asked them to either validate or delete the account from my credit report.. I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produce and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court.
Product: Mortgage

I requested to have my PMI waived on my mortgage based on major improvements to my home within the first two years of ownership. PHH sent me a request form and I completed it and sent in the {$150.00} fee for the appraisal. They cashed my check on XX/XX/25. Since then, they refuse to schedule the appraisal. I made multiple calls and filed an executive office complaint and no one has responded to get the appraisal scheduled. They have since requested costs associated with the improvements Ive made - this request was not a requirement of the original request form sent to me by PHH and costs are irrelevant. The appraiser will re-document improvements ; take pictures and assess the value. Costs are fluid and vary by contractor used, etc. and does not equate to value. 

Theyve had all documentation and my money for a month now and continue to refuse to get the appraisal scheduled. I went through the PMI waiver process with a prior lender within 2 years and they promptly scheduled my appraisal upon receipt of my request and fee. Im not the first customer PHH has refused to schedule an appraisal for.clearly its common practice to take customer money and do nothing. 

PMI is unorthodox for buyers who pay their bills. This is my XXXX mortgage ( perfectly paid ). I should not be penalized for paying my bills and not having 20 % down. PMI = revenue for mortgage companies and nothing more. It does nothing to protect consumers and in this instance its clear PHH wants to hang on to their additional revenue and are avoiding scheduling the appraisal. If the CFPB truly cared about consumers, the practice of PMI would be eliminated for those who have never defaulted on a mortgage regardless of down payment. 

I did not choose PHH, my lender sold my loan after only XXXX mos - lenders should be required to keep loans they originate for a minimum of two years. Another horrible practice that can negatively impact consumers.
Product: Credit card

Without fail, I have ensured that payments on this account are made promptly, avoiding any instances of being overdue. The reasons behind the presence of late payment remarks on my accounts are unclear to me. As stipulated by 15 USC 1666b - Billing Error, corrections must be made.
Product: Student loan

been calling and trying to email for the last 3 months. My loan was bought out from XXXX XXXX by Navient. Not sure why my rate went up without my knowledge. In addition there is a promissory note not signed by me. Also, from what i see on the summary page of what i finance i over paid and am due a credit.
Product: Credit reporting or other personal consumer reports

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

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Debt collection

On XX/XX/2024 I sent out a debt verification letter to LVNV FUNDING LLC. I requested verification of the debt and the sent me back a credit card bill. They did not send me the information I was requesting. I would like these accounts deleted immediately from my credit report. They are reporting false information.
Product: Mortgage

SLS did not send me the tax form for the 2020 tax year. I also had trouble logging into my account online. I contacted SLS and they would not help me without me providing the last 4 of my SS #, and I will not do that over a cell phone. I submitted complaints through the XXXX. SLS then sent my personal tax document to the XXXX, rather than sending it to me personally. XXXX did not need to see my tax form. THe form had alot of the personal information on it. It is a breach of security for them to send it to the XXXX without my knowledge or consent! Action needs to be taken to for them intentionally sending my personal tax document to the XXXX. It is unethical, unprofessional, and very dangerous to me for them to take this action. I need the CFPB to step in to help deal with the behavior of SLS!!!
Product: Student loan

I have tried updating my income with MOHELA since XX/XX/XXXX, ever since my household went from 2 incomes to 1. On XX/XX/XXXX, they finally processed my income-driven repayment application and placed me on a higher payment plan ( {$230.00}, moving to {$270.00} in XX/XX/XXXX ), higher than what was due when I had two incomes to pull from ( {$230.00} ). They also didn't place me on the plan that I had asked to be placed in ( they kept me on XXXX, when I wanted to move to XXXX ). 

They are impossible to contact - phone wait times are 2-4 hours long, and their online messaging system is ineffective. When I am able to reach someone, they just assure me that things will be taken care of, but they aren't. They just give me platitudes. I urge you to research how MOHELA is handling the student loans of XXXX 's public servants. They are completely mismanaging everything. I appreciate you and your office 's time and attention on this matter.
Product: Credit reporting or other personal consumer reports

This account was unable to be validated and the debt collector told CFPB on another complaint that this account was not validated with the previous proof provided and said they deleted the accounts from reporting on the credit bureau reports. The information is still showing to this date on my XXXX credit report that it is in collections. It has not been deleted as they previously told CFPB.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and found some errors relating to my payment history on some accounts. Credit reporting agencies are responsible for reporting accurate information. I have never been late on Global Lending Services account. However, despite multiple disputes, Global Lending Services continues to report late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, negatively impacting my credit score. I have provided supporting documentation confirming my forbearance agreement and request that this issue be corrected immediately. I also request an investigation into Global Lending Services for non-compliance with credit reporting obligations. Please investigate these errors and remove the late payments if these can not be verified.
Product: Credit card

I recently received a fraudulent credit card statement account under my name from " XXXX '' on my credit report. I never opened this account, nor did I authorize any charges associated with it. Upon noticing the unauthorized account and charge, I immediately contacted the credit card company. However, they were unable to verify the account using my Social Security number, which indicates that the account may have been opened using incorrect or stolen information. 

Despite this, the account and the fraudulent charge still appear on my credit report, negatively impacting my credit score. I am requesting an investigation into this fraudulent activity and the removal of this account and charge from my credit report. 

I have not authorized any accounts with this institution, and I am a victim of identity theft or credit fraud. Please take the necessary steps to address and resolve this issue as soon as possible. 

Thank you for your assistance.
Product: Debt collection

You guys gave my info to a repo man without my consent ..you also took my personal belongings that were in the car without letting me get them out. 
A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

This is a law ( 6 ) Taking or threatening to take any noniudicial action to effect dispossession or disablement of property if- Also the car has been sold and you guys are still reporting to the credit bureau as late payments and repossession. Please stop and deceased all future reporting and harassment letters, remove repossession off my report and all collection activities please stop due to you having possession of the vehicle and it was sold off. I am also seeking pain and suffering for defaming my character harassment and financial loss due to reporting on my credit. Plus now you have sold my information to a third party company. I can offer to pay {$1.00} to cover my debt with you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between last year of XX/XX/XXXX my identity was stolen. Any account opened since then is a fraudulent account. XX/XX/XXXX to now of this year XXXX I have had multiple accounts opened under my name.
Product: Credit reporting or other personal consumer reports

According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am required to submit a picture ID, a bill, and a letter from an advocacy group supporting me due to debt bondage related to XXXX XXXX, as defined under XXXX-Debt Final Rule XXXX ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I respectfully request that you remove this information from my credit report within four business days, in compliance with Section 605C of the Fair Credit Reporting Act. I have provided my identification and the required documentation from the list of acceptable items, which, as per the law, only requires two documents. Additionally, I have included all necessary documents, including a victim determination letter in accordance with Rule 1022.142 ( b ) ( 6 ).
Product: Credit card

cit bank cards has DELeteD reward points from online account. 

check online account nd XXXX reward points have been REMOVED ILLEGALLY from my account. 

Citi Bank is untrustworthy and attempting to deny my earned reward points
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently doing significant damage to my credit unlike the other two agencies. They are reportIng 3 separate accounts with 60 days past due when it is impossible. They should only be 30 days past due in the months that that are showing as 60 days. Theyve also NOT removed a collection account that both XXXX  and XXXX  have removed. 
The accounts that are being affected are : XXXX XXXX ( This account is CURRENT. It was only 30 days late this past XX/XX/XXXX as specified ) It was NEVER 60 days past due in the over 2 year history of the loan!!! 
XXXX XXXX XXXX ( XXXX ) This account is current!! It was 30 days NOT 60 days late in XXXX, XXXX & XXXX of last year. This account is CURRENT XXXX XXXX XXXX ( This account is CURRENT! It was 30 days late in XX/XX/XXXX NOT 60 days ) XXXX XXXX ( This needs to be removed!! ) It was correctly removed from XXXX   & XXXX WITHOUT problem.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXDate of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Inn violation of the federal fair credit reporting act, XXXX XXXX XXXXXXXX, XXXX, Equifax, and XXXX continue to report false information in a credit report that is the result of fraud, identity theft, and incompetence on XXXX XXXX XXXXXXXX XXXX XXXX. The report of a late payment of 30 days in XXXX on an account from XXXX XXXX XXXXXXXX is inaccurate due to fraudulent or technical incorrect information. There should be no late payment. It needs to be removed today.
Product: Debt collection

I have received numerous calls to my family members giving out my debt information and saying I 've committed a crime and I will be arrested at my job if they do not provide information. They have called me in the past and I have request several times for them to send me this information that I supposedly owe a debt. And advised that they can not provide to me that information in writing, I have it from when I originally opened the debt. They threaten to come to my work, home etc and arrest me if I do not pay an outrageous amount and if I do not comply they will press criminal charges against me. They will not provide me their information and when I keep pressing the issue, they get very vocal and use profanity and I end up hanging up on them. I advised them that I am on the DO NOT CALL list, but they proceed to keep calling my number and my family members. This has to stop and they need to be accountable for their tactics.
Product: Checking or savings account

XXXX XXXX Charges from XXXX  Over XXXX dollars was taken out of my account for some phone game! They will not take action and get the money back