23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Macy 's has charge me 8 month interest on a closed account that i request to be closed on XXXX XXXX 2011 because high interest rate it does n't state after you closed an account that Macy 's is still able to charger you interest it only state that Macy 's can collect the remain balance which i owe. The agreement that i sign was terminated upon my request if it is closed you are only to collect the the remain balance Macy 's agreement was terminated so were the late fee Macy 's has not sent me any type of information that state after account is closed Macy 's is able to charger you late fee. so i decide to file a complaint against Macy 's so please investigate this case Thank you Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A COMPLAINT AGAINST A COMPANY NAMED XXXX XXXX/XXXX XXXX. THIS COMPANY WAS TOLD AND SHOWN ON NUMEROUS OCCASSIONS THAT AN ACCOUNT THEY ARE REPORTING TO MY EXPERIAN CREDIT FILE IS FRAUDULENT AS I AM A VICTIM OF IDENTITY THEFT I HAVE A POLICE REPORT AND THEY WERE NOTIFIED NUMEROUS TIMES GIVEN A COPY OF THE POLICE REPORT, AND THEY STILL ARE REPORTING THIS ACCOUNT TO THE CREDIT BUREAU. THIS IS NOT MY ACCOUNT IS WAS A DIRECT RESULT OF IDENTITY THEFT I SUSTAINED, AND THEY ARE NOW REPORTING IT IN COLLECTION WHICH HAS DESTROYED MY CREDIT PROFILE. I HAVE ASKED THEM WHIT COPIES OF ALL THINGS THE FCRA TOLD ME TO SEND TO THEM, POLICE REPORT, MY ID, ADDRESS ID, EVEN A COPY OF THR FCRA SECTION 605B, AND SENT IN NUMEROUS COMPLAINTS TO EXPERIAN CREDIT BUREAU. THE CREDIT BUREAU TOLD ME TO SEND THEM A LETTER WITH ALL MY PROOF, WHICH I DID AND STILL THEY HAVE REFUSED. I HAVE NOW SEEKED OUT LEGAL COUNSEL TO POSSIBLY BRING THEM TO COURT IN THIS MATTER. THIS WILL BE MY LAST ATTEMPT TO FIX THIS FRAUDULENT ACCOUNT ON MY EXPERIAN CREDIT FILE, BEFORE I GO TO COURT.
Product: Debt collection

I am writing to formally request validation of the debt you claim I owe pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently received a communication from your office regarding an alleged debt, and I wish to ensure the validity and accuracy of this claim before proceeding further. 

To facilitate this process, I respectfully request that you provide the following : Proof of Assignment or Ownership : A copy of the original assignment contract or agreement that demonstrates your legal right to collect this debt. 

Complete Payment History : A detailed and itemized statement of the entire payment history, including any charges, payments made, and any applicable interest or fees. 

Proof of Debt Sale : Documentation outlining any sale or transfer of this debt, including references to the specific laws or agreements under which the sale or transfer was conducted. Please include evidence that the sale or assignment was in compliance with applicable state and federal laws. 

Cease and Desist Request : I request that you cease all communication with me until the requested documentation is provided, as allowed under 15 U.S.C. 1692c ( c ).

Additionally, please confirm whether your organization or any affiliated entities have sold or transferred my information to any third parties, including credit buyers, and provide details of such transactions if applicable. 

This letter is not a refusal to pay but rather a formal request for validation of the alleged debt. Please note that any attempt to report this debt to credit reporting agencies without proper validation may constitute a violation of the FDCPA and other applicable laws. 

In accordance with the FDCPA, I expect a response within 30 days from the date you receive this letter. If you fail to provide the requested validation, I will consider this matter resolved and any further collection attempts unauthorized. 

Please address all correspondence related to this matter to the mailing address provided above. Thank you for your prompt attention to this request. 

Sincerely,
Product: Credit card

I have a Care credit card from Synchrony Bank which I use for my XXXX expenses. On XX/XX/2016 I became homeless and I decided to inform my creditors about my situation. All the other creditors understood and worked with me but Synchrony Bank refused. I told them I only earn {$XXXX} a month from my XXXX. So, they decided I should go on the hardship program. However, they wanted to choose the amount and date of payment, but that is not possible because I get paid twice a month which is set by my employer. I kept calling and calling even before my debt became large ; hence, I was treated as if as was lying so I gave up because the little money I have to use for survival. Now, they have been call and call to collect a debt which I have no money pay for. What should I do?
Product: Debt collection

Requesting to deletetion mom passed away and XXXX got XXXX XXXX hardship
Product: Credit card or prepaid card

XXXX XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX  XXXX along with a notarized affidavit claiming fraud. XXXX XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX XXXX to close their files which have any information with my name & social on it ...
Product: Vehicle loan or lease

At XXXX XXXX in XXXX XXXX IL. I bought a car there and my loan was with Wells Fargo. Alot of things were from my social not being correct to rhe car not even on my credit report. When I traded it at XXXX XXXX in XXXX IL rhey were shocked as well with it all going down
Product: Credit card or prepaid card

Hello my name is XXXX XXXX all my identity was stolen from breach though the credit bureaus my information was tampered with my personal information, email really has been a difficult time when knowing your personal information was tamper with though a breach data.
Product: Debt collection

On X/XX/17 received a letter from Pudget sound collections in wa state. PSC account # XXXX. For XXXX Interest : XXXX = XXXX I paid them X/XX/2017 In  full they gave me a receipt to take to DMV to have my lic unsespended..Have the receipt.. Now they say I still owed them {$55.00} plus {$360.00} In Interest.. That does not sound fair to me. have a receipt with SIC on receipt saying paid in full case closed.
Product: Checking or savings account

My account with Bank of America was unexpectedly closed on XX/XX/XXXX without my knowledge and of course it was the day before I received 2 direct deposits. My account was in the negative but the direct deposits cover the amount and the fees but the bank refuses to release the rest of my money to me and they do not have a valid reason as to why. On the day I find out my account was going through closure the scheduled closure date was XX/XX/XXXX WHY DOES IT TAKE THAT LONG TO CLOSE AN ACCOUNT that is almost 2 months. I asked to pick up my money at a financial branch because you know I do have bills! Im a single mother with NO HELP I cant afford to miss a paycheck! But that request was denied once again WITH NO EXPLANATION. so here we are XX/XX/XXXX still with money sitting in Bank of America account that I can not access until the account is reviewed by a worker THIS IS RIDICULOUS!!!! if I lose my car due to not being able to make payments and all the late fees Bank of America isnt going to pay what it takes for me to get it back! Nor will they pay my daughters Daycare, rent, utility bills, or my school tuition!!!! They need a better system to closing an account! No one inside a branch can help so I am FORCED to talk with someone on the phone and I have to talk with someone different every single time! They do not keep you informed on the process of them closing the account so you are having to call and bug them to get a status update. Some of the customer service workers lie, tell you the wrong information, and its because they know the chance of them talking to you again is one in a million! I wish I never opened an account here
Product: Credit reporting

I have as of today received a reporting on my XXXX report for the total amount of {$840.00} from Commonwealth Finance for a medical bill that was deleted over 5 years ago ( I Have proof of when they did this on XXXX ). They keep reselling or re-aging every 2 years or so and reporting this to all bureaus and damaging my credit on in-validated debt. I have proof of previous deletions. This needs to stop and not take over 30 days to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00}
Product: Credit reporting

TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

Collection opened XX/XX/2020 Account type Collection Department / Agency /  Attorney this is not a personal account. this is a credit card merchant. I opened a business account with them and this is not personal account and when I tried to cancel my account they told me if you did not pay {$560.00} we are going to XXXX up your credit and I told them this not a personal account this is a business account and they just kept telling me we used you SSN and this is going to effect your credit score. I called them several times to let them know this is not right. I reported to XXXX and dispute it but still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts in addressing the removal of certain fraudulent entries in my file attributed to an alleged identity theft. However, some items still remain unresolved and necessitate removal. This marks my second communication as a victim of identity theft, wherein I contest specific entries in my file resulting from the aforementioned crime. The items subject to dispute are not linked to any transactions involving the acquisition of goods, services, or authorized monetary transactions. Please eliminate the reporting of the following items in my credit file resulting from an alleged identity theft. Additionally, I have included my new FTC report numbers : # XXXX and XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance - XXXX XXXXXXXX XXXX ( Original creditor XXXX XXXX # XXXX ) XXXX Balance {$950.00} Bankruptcy XXXX XXXX Filed on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$950.00} XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$20000.00} XXXX XXXX bankruptcy discharged Filed on : XXXX 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 or other personal consumer reports

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Delete these fraudulent items below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and illegal inquiries listed on the FTC I have provided.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit againist Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items, despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of identity theft, I have disputed with XXXX multiple times to remove accounts that were not opened by me. The following accounts still show in my report and are not removed XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX. I do not understand what more information I need to provide for them to close the accounts mentioned above.
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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I opened up a XXXX XXXX  Account by XXXX and when I went to connect my PNC Virtual Wallet bank account to the XXXX XXXX Account, in order to add funds to the new account I was presented with an error. I was informed that PNC had made some recent changes that they are currently having connection issues with PNC Bank and that if I try to connect I will unlikely to succeed. This now prevents connecting my account with certain accounts, which apparently the XXXX XXXX account by XXXX being one. I believe this is absoIutely rediculous that I am unable to connect MY PNC Virtual Wallet account with a trusted XXXX XXXX account by XXXX and be unable to utilize this service now. This is now preventing me from getting up to 30 % off XXXX product purchases if I was able to add funds to use my account. I am extremely displeased with this inconvenience!
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an account to monitor my credit and was surprised to see a collection from XXXX XXXX reporting. Being the only negative factor on my credit, this has dropped my score significantly. This collection of {$500.00} was paid in good faith by year XXXX with the acknowledgement/intent that the collection would be deleted from reporting to the credit bureaus in exchange for payment. Due to inaccurate, misleading and deceptive collection tactics, this collection needs to be removed from my credit due to erroneous collection practices. 

I contacted XXXX XXXX two times, one in XXXX and another one this year ( XXXX ) to find a deletion letter from them, and both times I have been denied that letter because, according to their policies, they do not issue that type of letters and I do know they do. I consider this situation unfair and harmful to my credit and to myself because this was not the original commitment between XXXX and myself and, other than this unfortunate situation my overall credit history is exemplary.
Product: Credit card or prepaid card

I have a Suntrust Credit Card that offered zero-interest balance transfer for a one-time fee. I took advantage of that for an approximate total of {$7300.00} in balance transfers over the course of 8 months. There is a minimum payment due on the transfer balance of approximately $ XXXX $ XXXX but no interest is charged until the expiration date of the offer ( XX/XX/2020 in my case ). Since obtaining the zero-interest balance transfers, I have only made two retail purchases amounting to approximately {$350.00} dollars. I was told by the banking rep that I could pay over the minimum monthly amount to cover those purchases and there would be no interest on those charges ( 16 % otherwise ). However, I have now been told by another rep that I can never pay off those purchases resulting in perpetual interest on those purchases until I pay off the entire balance of {$7500.00}. In other words, the bank is forcing me to pay interest on that {$350.00} despite my request to pay it off because there is still a XXXX interest balance transfer balance. I have now been told that if any portion of your credit card balance is XXXX interest, you can not pay off retail purchases that have 16 % interest. This apparently is in the fine print but was the opposite of what the original Suntrust rep conveyed to me. The Suntrust rep I last dealt with responded simply by saying that is the policy and the original rep ( upon which I relied ) was wrong. Nothing they can do about it.
Product: Credit card

Hi, my identity has been stolen and i have someone making charges and opening accounts with my information. I called BestBuy on XX/XX/25 and they mentioned my card had been reported stolen and all my other charges have been disputed and refunded. Now i see another charge on XX/XX/25. It is NOT ME!!! Someone is impersonating me and making charges on my account, please remove all charges from my account as well as not issue any more cards for the time being as someone clearly has access to your systems.