23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me in the amount of {$730.00}. ( account # XXXX ) A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires PHYSICAL verification of an original signed consumer contract and not an electronic or E-oscar verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records to which I have recieved verified as accurate without recieving the documentation that I have requested which is a violation of federal law.
Product: Credit card

I had a fraudulent charge made on my Macy ' American Express credit card XXXX weekend 2015. It was for about XXXX to the XXXX. It has not been settled by the \ Macy 's American Express card and since rejected they expect me to pay an additional XXXX dollars in interest and fees. They told me that I should not pay the charge since I did not make it then they rejected the claim after sitting on it for 6 months because they said that they did not have enough information. 
In regard to the following problem, I have recently written letters both to the Fraud department and Macy 's in addition to placing multiple phone calls involving wait times over an hour with no resolution. Have filed a police report. No replies to any paperwork submitted to the fraud department. Is there a way to sue the XXXX XXXX? Can they be taken to small claims court? 

They refused to remove a fraudulent charge from my Macy 's card and after 7 months the charge has increased from {$140.00} to {$350.00}. I called the original vendor and I can not find out what the charge was for. They have no record of anything being send to my house. This is usually the hallmark of a fraudulent charge. 

The Fraud department sent the charge back to collections so I am expected to pay all these charges plus interest and fees for something that I did not buy. 
Over a 6 month period, I have spent at least a day 's worth of hours on hold with the credit card 's Fraud department. One day I was on hold for 1 hour, then they hung up and so I called back. I was on hold for another hour and half until someone picked up. Even when you actually reach someone the fraud department, you can not talk to anyone who actually has knowledge of the case. That is another level away. They just take a message and obviously do nothing. 

DO NOT APPLY OR CARRY THE AMERICAN EXPRESS CAR THEY COMPANY AND ARE ABOUT TO GO DOWN THE TUBES. THEY WILL RUIN YOUR CREDIT OUT OF SHEER LAZINESS!!!!!!!!!!!!!!!!!!!!
Product: Student loan

Original Loan :  XXXX - XXXX  Amount : {$35000.00} Deferred for 2 years.
Income based payments for 4 years.
Have paid on a normal, regular payment plan ON TIME and MORE than required monthly for FOUR years. Total debt amount has NOT gone down. It goes UP and they claim interest reasons. There is NO WAY this can be correct. I feel this is shady and it needs looked into.
Company :   XXXX   XXXX  , now Navient
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I was under the impression that I entered into a consumer credit transaction when I provided these persons my information. I go to check my report and see that I have been taken advantage of blindly. I reached out to this person to let them know that they violated my right under the fair credit reporting act 15 usc 1681 ( a )
Product: Debt collection

15 years ago someone opened up some type of an account in my name ( my maiden name ), I disputed it with credit bureau and it was taken off of my credit. This morning I was notified that my paycheck is being garnished from this debt collector named Forster and Garbus, my employer showed me the paper, i was never notified of anything, the paper is in my maiden name and it is for the same matter that was disputed many years ago. They are saying they are going to take {$330.00} from every paycheck for debt around XXXX  I am currently in a debt consolidation program for any debt I owe so I called them and they told me what this creditor is doing is illegal and that i must file a complaint with FTC. I also called the number of the creditor and some woman started asking me personal information and I would not give it to her so she got frustrated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report. 
This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to lift a freeze, but I can't login or reset my password via their website even though I have a valid email address and password. It simply keeps saying temporarily unable to complete this request. I have tried calling the phone number listed, but I just get a busy signal. I have tried to use the phone number to lift the freeze to no avail. I have spent four hours of my time trying to call or logon to this company 's website. Equifax has already lost half of America 's citizens personal information including mine due to their continued incompetence. All of my options of trying to contact this company have been spent. I hope congress acts to strip these credit agencies of their monopoly and punish them on behalf of consumers. I simply would like my credit freeze lifted and be able to either logon to the website or call to restore my account. This company has wasted my time, money, and has been careless with my social security number as well.
Product: Credit card

On XXXX XXXX. AMEX issued a credit balance refund {$1800.00} without my knowledge. A check was sent to my seasonal address where I do not receive paper mail. ( I use electronic statements ). The excuse for sending the credit balance was mandated by law. The check was never received. I contacted AMEX in XX/XX/XXXX, XX/XX/XXXX, and again in XXXX XXXX and again in XX/XX/XXXX. It is still unresolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX unit XXXX 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. 
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 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 a 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU XXXX DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
Product: Debt collection

In XXXX or early XXXX I began receiving collection calls from XXXX XXXX on my cell phone number trying to collect some undisclosed amount of money from a customer named ( or similar to ) XXXX XXXX ( sp? ). 

At the time of recieving the calls I informed them that no one by that name was at this number, nor had been at this number for the 12 years that I owned this number. The calls continued. After several more calls I called XXXX XXXX and spoke to a " manager '' who assured me the number would be removed fromthe accouint. The collection calls continued and I actually changed my voicemail greeting to REMIND XXXX that XXXX XXXX had never been at this number and to stop calling. 

In XXXX of XXXX I contacted the XXXX XXXX XXXX who opened dialog with XXXX XXXX. After filing this complaint I received a call from XXXX XXXX XXXX ofice who assured me that I would receive no further calls on this matter and that references to my number would be removed from the file. I thought at that time that the matter was resolved and for almost two years that seemed to be the case. However, on XXXX XXXX I AGAIN began receiving calls from " Diversified Consultants '' a contracted debt collector for XXXX XXXX, AGAIN trying to collect on this debt from XXXX XXXX ( sp? ) This is NOT a debt I owe. 
XXXX XXXX has never been at this number AND XXXX XXXX has been made aware of this repeatedly. 
I can not possibly provide them ANY infomation about XXXX XXXX since I have NO CLUE AS TO WHO HE IS. 
XXXX XXXX has already acknowledged my previous complaint and promised to stop harassing me to collect a debt that I have no responsibility for, however this harassment is now recurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit reports XXXX XXXX, XXXX, Equifax and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a pre-approval letter for a car from XXXX XXXX. I confirmed with them twice if this will be a hard pull. They said no, we will do a soft pull and will only send it to the bank for a hard pull if they agree to issue the loan. 
I got hard inquiries checked by like 4 different banks - I was not made aware of this. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Hard Inquiry XXXX XXXXXXXX XXXX - XXXX XXXXXXXX - Hard Inquiry XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX - Hard Inquiry XX/XX/2023 - XXXXXXXX XXXX  - Hard Inquiry XX/XX/2023 - XXXX - Hard Inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX  - Hard Inquiry XX/XX/2023 - XXXX XXXX XXXX  - Hard Inquiry XX/XX/2023 - XXXX XXXX XXXX XXXX - Hard Inquiry
Product: Credit card or prepaid card

10 months ago I was unable to make my regular monthly payments due to a job loss and was instructed that If I made minimum payments until the balance was below my credit limit the card would be unrestricted and I would be able to once again use the card as before. After making 8 monthly payments on time and in the amount required I finally was below the credit limit of the card. I was still unable to use the card as before and when contacting the credit card company was now told the credit card would be permanently restricted from use without an explanation as to why? Given that I complied with all their requests in good faith making monthly payments on time, I also paid the annual membership fee on time and complied with all their requirements, it seems that the credit card unfairly deceived me into believing that my credit would be restored when in fact that was never going to happen.
Product: Credit reporting

I have a ZERO balance with XXXX Now. My credit report show a balance of {$4500.00}. My balance is zero. I filed a balance dispute with Transunion on XXXX, 2015 the on XXXX the results were : Verified/ No Change. I do n't believe my dispute was investigated because I do n't owe this company {$4500.00}. Transunion is n't reporting the correct information.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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

After my time being hospitalized I was unable to work and had no income. I contacted the company about making installments to pay my medical bills. I did as much as I could afford and it was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use XXXX worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it XXXX point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XXXX ) I called all my credit card companies and asked what they reported and they told me. I than called experion and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet experion placed a XXXX debt of my report. So I again followed the same process the next month XXXX XXXX XXXX and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XXXX the day XXXX XXXX reported to experion I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute experion and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs experion from the agent and I was placed on hold and told " fts '' or the federal government. I believe experion is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
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: Credit reporting, credit repair services, or other personal consumer reports

XXXXDEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, XXXX or Equifax to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

XXXX has failed to provide with the actual contract. XXXX has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently mailed dispute documents to Experian on XXXX. They received them via certified mail with tracking @ XXXX, XXXX. As of today, XXXX they have yet to retrieve them from their po box XXXX XXXX, TX XXXX, and initiate the investigation process for those documents. I have spoken to several agents and they all said that the latest documents they have from me is from XXXX. 

I also mailed dispute documents to XXXX on the same date XXXX. They received them the same exact way with tracking @ XXXX on XXXX from their po box XXXX  XXXX XXXX PA XXXX. As of today, XXXX they have yet to retrieve them and initiate the investigation process for those documents. 


They have XXXX weeks left before they have to respond or delete all disputed accounts.
Product: Credit card or prepaid card

I was scammed by a person working for the XXXX 's XXXX XXXX  XXXX, who really wasn't, and he maxed out the card to over {$12000.00} before CareCredit froze the card, back in XX/XX/2020. This is what started a large amount of money owed by me to many companies besides CareCredit. This credit card allowed me to charge vet bills then pay off the next few months, if necessary. The debt is now down to {$9000.00} due to high payments and interests. the main bill goes down slowly due to the very high interest. Check out people to see if employed by the one he/she said.
Product: Debt collection

I am currently in negotiations with XXXX through XXXX. 
I have been getting spam calls lately from some odd numbers and some as late as XXXX XXXX XXXX 
I look through my XXXX credit report and I see 2 credit entries, one from XXXX and another from Credence XXXX XXXX. 
I am currently trying to repair my credit reports and going to hopefully have my first time home ownership in the next year. 
I am currently awaiting on XXXX through XXXX on their settlement offer. Also I did report these credit entries to XXXX at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692b- Acquisition of location information, Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the consumer laws and my rights as a consumer. This act was made by the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The rate appears to be 5 % but is actually 64 %. In each payment only XXXX is going toward amount owed. I contacted them because my cash flow has decreased and now their required monthly payment exceeds my revenue. I proposed a lowering of their interest rate to allow me to have enough money to live on, but they refused to change the terms of their predatory lending loan at all. My loan was for {$18000.00} originally, I have made {$6400.00} in payments toward the loan in 6 months, but still owe according to them, {$17000.00}. This can not be a fair trade practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I recently refinance my primary mortgage with XXXX  XXXX. XXXX  XXXX asked to subordinate Webster Bank HELOC and I made this requested on XX/XX/XXXX. It has been more than two month now that both XXXX  XXXX and myself have reached out to Webster Bank subordination request and branch manager for assistance. However, no response from subordination request department at all. So I decided to closed Webster HELOC account. Today, XXXX  XXXX reached out to me saying on XX/XX/XXXX Webster hard pulled my credit asked me for explanation. I dont know why Webster hard pull my credit? I dont know what its for? I have not apply anything with Webster Bank. For subordination request there is no need to hard pull credit or at lease let me know its part of process?