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

I have had a Macy 's XXXX XXXX XXXX since XXXX. I rarely use the card, and I moved in XXXX and subsequently provided Macy 's with my current address since XXXX. I had not used my Macy 's card for more than a year until XX/XX/XXXX, when I made a purchase of jewelry at Macy 's in XXXX XXXX, California, as a birthday present for my fiance. After I gave the gift to my fiance, she advised me that I had previously purchased the exact same item. On XX/XX/XXXX, I returned the purchase to Macy 's in XXXX XXXX, California. I believed the return of the exact same amount reflected my balance as XXXX, and thought nothing of it. I never received any billing statements from Macy 's thereafter. In XX/XX/XXXX, there was a delinquency on my Credit Bureau reports from Macy 's which indicated {$13.00}. I had no idea what this was for, so I contacted Macy 's and advised them I had not made any purchase since XX/XX/XXXX, and I returned the same item. They could not explain what the charge was for initially, and then advised me that when I made the XX/XX/XXXX purchase, " XXXX XXXX  '' credits were applied and when I returned the item the " Star Reward '' points reflected {$7.00} less and this was the outstanding charge. I still do not understand what they are talking about, but I never received a billing from Macy 's, they alleged that they sent a billing to my previous address from 5 years ago ( said billing which still has never been provided to me ). I paid {$15.00} by telephone on XX/XX/XXXX, which Macy 's alleges I owed them but, again, they have never sent a billing to my correct address. Macy 's reported a delinquency on my credit report of 90 days and this has caused my excellent XXXX XXXX to drop by XXXX XXXX. I have filed disputes with all three credit bureaus and contact Macy 's approximately 8 times requesting that they remove the delinquency from my credit report, but they have not done so. I have proof from a purchase made XXXX years ago, that Macy 's has my correct address, they have my telephone number and my email address, as they send me emails for store sales daily ( notwithstanding the fact that they never sent me a bill, never called me or emailed me regarding the purported {$7.00} charge ). I have been totally stressed out and have lost sleep for the last week, as Macy 's has severely and negatively impacted my credit score. They refuse to send me duplicate billing for the alleged charges and failed to remedy a very easy mistake caused by Macy 's, not me. I am an attorney by profession, and I am making this complaint as a last chance effort to resolve this, prior to having to resort to filing suit against Macy 's. 


I am attaching an online purchase which proves that Macy 's knows my current address, at least since XX/XX/XXXX. They have alleged that they sent a billing to my previous address which I never received and to a house I no longer own. I have also attached a letter sent yesterday to XXXX with regard to my dispute of Macy 's inaccurate negative delinquency report. 

Please help.
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 USC 1681. 

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 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 intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, they decided to change my name to XXXX XXXX from XXXX XXXX XXXX which is my legal name, XXXX XXXX is NOT my name. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also an account with XXXX XXXX which is unknown to me. There are several mistakes listed. Can someone please help
Product: Debt collection

Bank of America - XXXX XXXX XXXX XXXX XXXX TX XXXX Regarding account XXXX This company is continuing to report negative credit to XXXX for this account which is more than 7 years old. We have requested that they remove this old account from my credit reporting but they  have refused.
Product: Checking or savings account

On XX/XX/XXXX there was an unauthorized withdrawal of {$1500.00} from my bank account. I submitted a dispute on XX/XX/XXXX but the bank doesnt respond to any messages and I still havent received my money back.
Product: Checking or savings account

On XX/XX/XXXX I received in the mail a check from cashing in some of my XXXX stock I called Suntrust bank ( XXXX ) the same day XX/XX/XXXX and asked when will my check clear because I need the money for my XXXX year old XXXX items that she wanted. I was advised during the conversation on XX/XX/XXXX that my check will clear in the morning. On XX/XX/XXXX I checked my account and noticed that {$200.00} was cleared and the balance of {$51.00} was being held until XX/XX/XXXX. So I transferred the {$200.00} that was cleared into my savings account which left me with a balance of {$11.00}. I have no idea what happened within 20 minutes but by the time I got to a gas station trying to get {$10.00} in cash I had insufficient funds ( How embarrassing in front of everyone at the store ) Now here I am with no gas to get to work. I called Suntrust Bank when they opened and spoke with a representative whom at that time told me that she will speak to the department who can authorize an early release of my funds. Imagine my surprise when the representative informed me that she spoke with the authorization department and they informed her that this check most like isnt going to be cleared as if the check was fraudulent. On top of all of the the hold was extended an extra week which means my daughter XXXX check wont clear until XX/XX/XXXX. This is so wrong on so many levels, the check is legit, from my stock. Also I would like my phone calls pulled and investigated because I know that no one from neither XXXX nor XXXX XXXX company told Sun Trust at XXXX on a Saturday morning that something was wrong with my perfectly legit check. They are taken away access to my funds for XXXX no fault of my own and I would like to Sue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Midland Credit Management calls me numerous times per day asking for someone named XXXX. I have explained multiple times that I am not XXXX and do not know anyone by that name who is close to me. I have had the same phone number for over 5 years. I asked them to remove me from their list, as I have no debts in collection. I tried to call them tonight after seeing they called me twice today. I spoke to a representative and as I tried to explain, the representative hung up on me. I am tired of being harassed over someone else 's debts!!
Product: Credit reporting, credit repair services, or other personal consumer reports

An Investigation was concluded but there wasnt a means of listed as to HOW they retrieved this information and who they SPOKE WITH TO VERIFY this. I NEED ACTUAL COMMUNICATION for this concluded VERIFICATIION Account Name XXXX XXXX XXXX Account NumberXXXX Account Type Debt Buyer This item was updated from Expeian processing from dispute in XX/XX/2021. 
Completed investigation of FCRA dispute - consumer disagrees. 
Original Balance {$590.00} Highest Balance {$0.00}
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 BALANCED {$9100.00} XXXX XXXX XXXX XXXX BALANCED {$570.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$680.00} XXXXXXXX XXXX XXXX XXXX BALANCED {$590.00} XXXX XXXX XXXX XXXX  BALANCED {$1200.00} XXXX XXXX XXXX XXXX BALANCED {$810.00} AXXXX XXXX BALANCED {$170.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$74.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$74.00} 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 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: Credit reporting, credit repair services, or other personal consumer reports

- FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report regarding XXXX XXXX to XXXX, XXXX, and XXXX. XXXX is the only reporting agency that refuses to change and increase my credit score. 

XXXX was provided information and supporting documentation the same as XXXX and XXXX regarding this dispute. In the past I have had issues with XXXX tarnishing my credit report with their refusal to make change to certain consumers report. This is very unfair. I feel XXXX needs to be investigated for their unfair and biased practices. 

I truly feel that XXXX XXXX is using XXXX to unfairly push their unfair agenda to tarnish consumers credit scores and to push their unfair practices to violate consumers and the fair credit reporting act. As stated before, from past experiences XXXX is not receptive to consumers complaints and disputes. It is very rare that XXXX cooperate fairly with consumer dispute for fair resolution. This is very unfair to consumers
Product: Mortgage

Was caught up in a real estate scam. Now I have a mortgage in my name for a house I do not own or live in. XXXX Years later, no one is making payments on the house and instead of foreclosing and ending this nonsense Wells Fargo wants me to somehow magically get the title back in my name. They wo n't foreclose and they have attorneys contacting me to tell me to transfer a title back into my name that I ca n't possibly do. XXXX complaint here also, everytime the rep from Wells Fargo contacts me he rude and ugly towards to the point of me yelling at him on the phone.
Product: Mortgage

After much time spent with this company on the phone and e mails, trying to force me to borrow more than I wanted too, we finally came to an agreement on a mortgage. At this time a closing was scheduled and kept on XXXX/XXXX/2017. 10 days after closing they called me and said they never received the mortgage papers and did not know where they were or what happened to them. At this time I did what I could to protect myself and stopped payment on the check I had gave to the person they hired to do the closing. Since this time they have continued to call me numerous times per day trying to force me to continue with the mortgage. This has been going on for over week now to the point of harassment. Now tonight XXXX/XXXX/2017 the escrow company called and informed me they went ahead and deposited the check any way knowing I did not want to do business with them or loan depot. This has got to be the most devious and unprofessional business practice ever perpetrated against someone. I hope this information is published so others will not have to go through the deception, harassment, and devious games this company plays.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XX/XX/year>2022 I did not request this Card Please Remove from My Credit Report
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been several fraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
The accounts belonging to XXXX  XXXX, and XXXX XXXX need to be removed immediately ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

My ex opened an account using my name, address, and social security number. Apparently, Kikoff doesn't really have a verification process. Put in a valid social security number that matches the name on the application and your good to go. Anyone could take your info & open an account.
Product: Checking or savings account

My business checking and money market were closed by BB & T bank, now Truist, and the local branch and customer service are not able to tell me if my account balance will be paid out to me. It is just over {$53000.00} and the account was closed on XX/XX/XXXX. I still have not been told WHY my account was closed. They are not legally required to explain that to me. It is illegal for them to hold my funds. In addition, my online access has been revoked and I can not access account statements for the last several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : DEPT OF EDUCATION/XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX XXXXXXXX Late Date XX/XX/XXXX
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 items : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD 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 MD 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 MD XXXX XXXX XXXX XXXX XXXX XXXX MD 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: Checking or savings account

I was told that my account has a hold on it due to verification. I verfieid my identity on the phone by giving the first and last name, birth date, and last 4 of my social. I was told that an Affidavit of Identity would be sent out but it never has and it has now been more than 2 weeks. When I try to transfer money I am told to call them. I did that and they told me they needed to verify my identity again even though I just had done that. I have seen many others have this same problem. I was hoping to make a small withdrawal but I am not wanting to take out all my money and return it to my checkings account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Act my rights have been violated please resolve this many times They are violating my rights!!

15.U.S.C 1681s-2 ( A ) a person shall not funish any information relating to a consumer to any consumer reporting agency if a person knows or reasonable cause to believe information is inaccurate 15.U.S.C 1681 section602a=right to privacy 15.U.S.C 1681 section604a section2= can not funish my account without my written permission 15.U.S.C 1681c ( a ) ( 5 ) LIST OF HARD INQUIRIES AND ACCOUNTS : 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

It's now XXXX. I got a letter saying there was a judgment against me. that dates back to XXXX saying i owe XXXX. Then, the final judgement was revised 4 years later in XXXX with an outstanding balance of XXXX. I don't know why this is a thing almost 20 years later but asset acceptance llc contacted my place of work and threatened to garnish my wages.