23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First I would like a cease and desist all contact with me to be sent to the following companies : AMERICAN HONDA FINANCE # XXXX, I have viewed my credit report and files and found several inaccurate accounts from unknown sources that I am requesting proof of claim and verification immediately!! Without the proper paperwork how can these items be on my credit files not having ever Been Verified and corrected?
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys -acct # XXXX Bal is zero ; past due is XXXX. Macys sent deragatory info to all credit bureaus causing my credit scores to drop by 38 points. In XX/XX/XXXX I requested pay off balance from Macys which was {$79.00} - which I paid via my debit card. Macys - decided in XX/XX/XXXX to send deragatory info to credit bureau that I owed {$2.00} for fees charged XXXX dollars. I have been in XXXX XXXX XXXX XXXX ( XXXX  ) for two years trying paying down my debt & Macys was included. I had been making regular monthly payments to Macys thru XXXX. When I paid Macys off i advised XXXX that I paid Macys off - they removed Macys from my DMP. I had no idea I had {$2.00} yes XXXX dollars remaining balance for fees. I had made no purchases, had no interest- owed nothing on Macys acct. I believe Macys has not treated my situation fair given we are in pandemic. Macys added fees & would not explain to me what the fees were for!! This is unfair treatment & I want Macys to immediately remove the deragatory information from my credit file from all three credit bureaus. 
Macys, XXXX XXXX XXXX XXXX - I Spoke w/XXXX  on XX/XX/XXXX at XXXXshe would not provide her supervisors name. I did pay the XXXX dollars for fees. Thank you. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, Md XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I deposited {$950.00} with my person debit card into my XXXX account. I bought crypto and found out my account was restricted ( high amount of crypto bought at once? ) so I pulled it out instantly ending in {$940.00} total. I have been unable to pull my money out to my bank. I have {$940.00} sitting in my XXXX account. First day of me opening up the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account XXXX XXXX XXXX multiple times every month XX/XX/XXXX removed it but experian refuses to remove it i don't understand how it can be removed from one but not the other
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX. 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: Debt collection

On XX/XX/ I received an email ( attached ) from MCM stating they were a debt collector and were the new owner of a XXXX XXXX XXXX debt that I owed. In the email it states that I could write to them and request the information. I replied in email on XX/XX/23 and requested all of the information according to 15USC 1692g section 809 ( b ). I stated no reporting to credit agencies until I had an opportunity to verify the debt. I continued to received weekly emails and phone calls from them. On XX/XX/ I received a phone call at work ( I answered the office phone ). It was a woman stating her name was XXXX XXXX and she was a compliance XXXX in XXXX XXXX with an order to locate me and had papers to bring for my signature at work. I told her that she had the correct work address for me and she could bring the papers anytime. I also told her not to call my employer again because I could lose my job. She gave me an XXXX phone number and a case number to refer to so I could contact the " filing party ''. I asked her what company she was with and she refused to give me a name of a company. Approx XXXX minutes later, I received a phone call from my under age son stating he had gotten a voice mail from the same person. On XXXX she called my office again, this time I did not answer the phone but a co-worker did. My co-worker stated to her that she was already told not to contact my employer. She stated " Well tell XXXX we will be there today to serve her the filing papers ''. My co-worker took the number down from caller ID. It was XXXX. Later that afternoon, I received a call from the same number on my cell phone. I have attached the message that was left on my cell phone. After receiving that voice mail, I called the XXXX phone number. They did not answer with a business name. I asked twice who the company was before they gave me an answer. I was told at first that they didn't have to tell me who they were, I gave them the file number that was left on my cell phone, then they told me it was Midland Credit Management. This is 4 months after I wrote to them and asked for the verification and information that still has not been provided but now they are claiming they have several accounts in my name. On XX/XX/ I logged into my email, and found an email from them dated XX/XX/XXXX stating that I could click the link to chat with an account XXXX. I clicked that link. I copy and pasted in it's entirety, the letter I had sent them requesting all documentation of the debt back in XXXX. I then at that time told them to cease and desist all contact with me on any and all accounts with my name on them until they verified ALL of the information I was requesting. 
The phone calls have stopped, but I am getting 3-5 emails a week from Midland and discovered today that they have reported negatively on my credit report which they were instructed not to do until the debt could be verified.
Product: Vehicle loan or lease

We were told we could lower our payments so we could get our XXXX  truck fixed yet again, from the loan we had to take out on it already for timing chain which broke again, or we could get our payments caught up which is XXXX and they would give us a new loan. They lied on both. This is the second engine that blew that we have nothing to show for it. We still have to pay on this although the engine is now done for and the loan we got to fix it. We got this XXXX  because we were told we could only go ti XXXX XXXX and this was the only car we were approved for. I'm pretty sure kitch and XXXX XXXX work together to rip ppl off since XXXX XXXX told me to get another loan to fix timing chain after out was fixed less than year and half ago. We want what we owe dropped and out of this deal. We've been screwed out of XXXX and still have no car to drive.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a fraudulent 1099 was mailed to my home address by NewrezLLC. 
This 1099 reports that nonemployee income was paid to me in the year XXXX. The issue is that I have never worked for Newrez LLC in any capacity. 

I have no knowledge how Newrez obtained my personal information like address, social security number etc. 

My personal information was stolen from me several years ago and it took me months to clear that issue up. 

This false reporting of income to the IRS via this 1099 may once again cause me issues in the future.

I have tried several times to contact Newrez to get this fraud addressed and corrected but have not received any response from them. 

The name and the number on the 1099 is XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX  the amount of {$4200.00} to present has appeared on our credit report from Comenity Capital Bank. The last reporting date was XX/XX/2022. I've reached out to the bank twice only to be on hold for over an hour both times resulting no response. The amount is still on our credit report. I spoke with XXXX and filed a dispute in XXXX and have not heard back from them.
Product: Money transfer, virtual currency, or money service

I attempted to report a transaction as fraud, XXXX XXXX XXXX FL XX/XX/XXXX, paid using Paypal but transaction is not listed under Paypal account. The account listed under the email, XXXX is now restricted and am unable to dispute any transactions due to account status just mentioned. The card which was used for purchase, ending in XXXX, is now closed with XXXX XXXX. This is an XXXX purchase, someone logged into my XXXX account and has been making purchases/submitting offers to sellers for items. I previously had to report an item as fraud, a purchase from a XXXX XXXX in the amount of XXXX made on or around XX/XX/XXXX, I do not have exact date available. The person ( s ) responsible appear to be buying high end jewelry items, both purchases mentioned are XXXX XXXX watches as I have verified through my XXXX account. I need this transaction, XXXX XXXX XXXX FL XX/XX/XXXX, placed in dispute as fraud ASAP.
Product: Credit card or prepaid card

Someone opened a credit card in my name. I have tried to dispute it with the credit reporting agencies. They have not verified nor submitted any documents showing that I am the owner of this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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
Product: Debt collection

XX/XX/XXXX XXXX XXXX i only had liablity Auto Insurance Account # XXXX, {$170.00} usd.They i gave them 30day Notice Cancelation of Auto Insurance i was being over charge never got credit for being XXXX over XXXX XXXX.Furthermore they stolen money out off my credit card, XXXX  got me $ XXXXcredit to my account.XXXX XXXX is my insurance companyXXXX XXXX  kept emailine Harassing me, Threating, over an over.I Block, Spam them over and over and they keep sending me email to pay.I made complaint last year to ftc, than they stop untill XXXXThey sent me to Collection : Credit Collection Services XXXX XXXX XXXX XXXX XXXX, MA.XXXX www.ccspayment.com I donot owe them anything and Progressive is Harassment on me, iam XXXX XXXX XXXX for over 2years loss our home, autos, got hurt at XXXX XX/XX/XXXX and their workmans comp never paid me my cent.We both fell down got hurt cause us to loose our home an autos to make payments.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card

I have had an XXXX MasterCard issued by Citibank since XXXX, XXXX. The card credits my XXXX XXXX mileage account with XXXX mile per dollar charged on the XXXX. Other than the charge for the credit card fee of {$95.00}, there was no other activity in the account for the year ended XXXX/XXXX/XXXX. That precipitated the removal of all the accumulated mileage on the XXXX XXXX account ( approximately XXXX miles ). 
The fact that I did renew the card last XXXX with a payment when it was due in XXXX should have been considered a valid charge to the account. On questioning the bank 's credit card department they told me it was not. I do not agree. It was activity in the account, period.
Product: Credit card or prepaid card

This week I contacted XXXX  multiple times over chat and phone to ask for help. No one has been able to assist. I has disputed transactions that I reported and the company canceled the card. They issued a replacement. It takes 7 to 10 business days for the card to reach me according to Wisely. They did not offer at first to expedite the replacement. I got paid on XXXX and I can not access it in this account without the replacement. I can't move the $ through XXXX. My pay is entirely stuck. I have bills to pay and travel next week for work. When I got to speak to a manager yesterday XXXX, he offered to send a card via 2 business day shipping but said I would have to pay for it. I refused and asked for additional assistance and he hung up on me.
Product: Mortgage

I have an FHA mortgage loan with Firdt bank PR, in which I accepted the moratorium starting in XX/XX/XXXX due to the pandemic. I work as a XXXX  and I was very affected economically by this situation. In XX/XX/XXXX they tell me that I do not have to make payments until XX/XX/XXXX. In XXXX they tell me that I do not qualify for the moratorium, that I have to pay the 6 months in arrears. My economic situation prevents me at this time, I was only not affected by the pandemic, also by the earthquake of XX/XX/XXXX. My workplace was seriously affected, it is in the town of XXXX. I hope you can help me since I have XXXX underage children and I don't want to leave them on the street.
Product: Credit reporting or other personal consumer reports

Subject : WRITTEN INSTRUCTION UNDER 15 USC 1681b and Request for Resolution Dear CFPB, I am submitting this formal dispute against the following companies regarding their continued failure to update and correct the status of my accounts despite having received ample notice and time to do so : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I provided written instructions to these companies and the respective credit reporting agencies TransUnion requesting that the accounts be updated to reflect the following accurate statuses : Reported Balance : XXXX Account Status : Closed/Paid Remarks : Nothing to Show or Resolved Payment History : Nothing to Show or XXXX  % Paid Amount Past Due : Nothing to Show Despite my written requests and the sufficient time allowed for compliance, these updates have not been made, and my credit reports continue to reflect incorrect information. This continued inaccuracy is causing harm to my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

On XX/XX/XXXX of this year ( 2018 ), I was at Home Depot and I made a purchase and they offered me a {$50.00} discount if I applied for their credit card, so I did because that was a substantial discount. But to my surprise, it was declined, they said they would send me the reason in writing. 
In the mail ( XX/XX/XXXX ), I received a notification from Home Depot telling me that it was Citi business that notified them not to do business with me. ( copy of the letter is attached ) A year prior Citi cancelled my Visa account and they refuse to give me a reason for their action, all they wrote was that they have the right to do so, with or without cause.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX ( XXXX ) XXXX XXXX XX/XX/year> Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. 
I am filing a complaint against Experian. 
On my credit report dated [ XX/XX/year> ], there is inaccurate information regarding [ XXXX XXXX  inaccurate, its not mine and they deleted it ]. 
I have already contacted the credit reporting agency on [ less than a month ago and submitted complain with you as well ] and disputed the information. 
This inaccurate information has negatively impacted me by lowering my credit score, making it difficult to obtain a loan. 

I request that the CFPB investigate this matter and ensure the credit reporting agency corrects the inaccurate information on my credit report. 
For the inconvenience and time spent resolving this issue, I believe I am entitled to damages of {$1000.00}. 
I have attached copies of my credit report showing the inaccurate information and any documentation I provided to the credit reporting agency regarding the dispute. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX : Copy of Credit Report with Inaccurate Information
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - XXXX XXXX XXXX # XXXX XXXX  Status showing Active Open account inaccurate data - XXXX XXXX # XXXX Show account balance on a closed write off account inaccurate
Product: Credit reporting

According to the fair credit reporting act, Section 609 ( a ) ( 1 ) ( a ), Equifax is required by law to verify, through the physical verification of the original signed consumer contract- any and all accounts that are posted to my credit profile. I have asked previously for verifiable proof ( an origional consumer contract with my signature on it ) for the accounts listed below. Failure to provide this proof has hurt my ability to obtain credit. Under the FCRA unverified accounts that Equifax has not sent verifiable proof of must be deleted. The accounts in question are listed below Legal Item public record XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days 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. XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

I currently have 5 addresses on my report that are incorrect as they are non- mailable addresses that I would like removed immediately. I have made several attempts with Experian to do so with no success and it's been difficult with them. So I am formally filing a complaint with the CFPB.

The Fair credit reporting act 5 USC 1681 section 602 a states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is consumer reporting agency and I am the Consumer.

And according 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. '' and 15 U.S. Code 1681b Permissable purposes Experian is violating my consumer rights by having inaccurate information on my report.
Product: Mortgage

I am trying to have Newrez ( Shellpoint ) the servicer of my mortgage loan to properly put the loan under my social security number. I have assumed the loan from my deceased son. The 1098 tax form was mailed for XXXX under my sons deceased name and under his social security number even though he passed away on XX/XX/XXXX. I have been paying the mortgage for all of XXXX and can not deduct off my taxes because of their negligence. They have his death certificate and many other documents. All of this information was sent to them in XXXX and XXXX. 

In addition, I changed my XXXX XXXX in on or about the first week of XXXX XXXX and they calim they have no record of receiving the documents. I have proof the documents were sent by my new insurance company. For every month that goes by I will be overchaged by XXXX dollars if they dont fix escrow.
Product: Credit reporting or other personal consumer reports

I disputed 30 days past due to XXXX XXXX and they verified the information as correct. I disputed this information because they made a change on the month that was allegedly 30 days past sit. Essentially they said XXXX was late and I disputed that and they changed it to XXXX. I disputed the XXXX month and they said the information was correct. Approximately 4 weeks after the investigation XXXX  30 days was listed as current and they now claim it was a different month. Every time I submit the dispute they claim the information is correct and communicate that to the bureaus and after the investigation is closed change the alleged month I was 30 days late. 

It appears that XXXX XXXX is playing games with alleged late payment dates by moving the months around which is having negative impacts on my score.