23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX 2015 - I attempted to pay my Macy 's acct online various times prior to my due date, their online system was n't working. I called to make payment over the phone and an associate informed me their payment system was n't working due to maintenance but to make my XX/XX/XXXX payment in XX/XX/XXXX along with XX/XX/XXXX payment and that I could continue to use my credit card and there should n't be a late fee, but if one was assessed they would remove it. 
XXXX 2015 - I received my Macy 's bill that included a late for XXXX. Prior to paying the bill I attempted to call Macy 's about the late fee issue at the phone number in my contacts, the phone numbers on their website, but none of them worked. I even emailed them using their online link, and still have not received a response. So I made a {$70.00} payment that did not cover the late fee since it is a Macy 's error. 
XXXX 2015 - today I spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX XXXX removed the late fees from XX/XX/XXXX & XX/XX/XXXX. However, the minimum due {$79.00} is incorrect as it still includes late fees. XXXX XXXX informed me that I HAVE to pay the incorrect minimum due for XX/XX/XXXX {$79.00} ( which is incorrect due to {$38.00} late fee and {$11.00} portion of the XX/XX/XXXX late fee ). And that if I do not pay the minimum {$79.00} I will be assessed another late fee which Macy 's will not remove. The minimum payment due is incorrect and I am being forced to pay for Macy 's billing error upfront. I was on the telephone for over 1.5 hours when I could have been at work. The associates did not care that Macy 's was at fault and when I asked XXXX XXXX what my minimum payment should be because that 's the amount I want to pay, she wanted to know why I could n't make a {$79.00} payment and what my hardship was because she looked up my payment history and could see that I had made a large payment recently and because of payments like that {$79.00} should n't be an issue now. I do not want this incident to be reported negatively to the credit bureaus. 

Please assist me in getting this matter rectified. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unbelievable! URGENT! 

Please refer to my previous case # XXXX. This case was resolved and correct by Specialized Loan Services on XX/XX/2019. I received a confirmation letter as proof ( attached ). 
The correct report was correct for about 1 month. Unfortunately as I am at the end of my Closing Process with my Mortgage Company, this error reappeared, yes WOW! 
I made an emergency call to Specialized Loan Service to let them know of the situation. I was connected to XXXX in the Escalation Department who was involved in the resolution of my previous case. She express her apologies and said the she would immediately sent an alert to XXXX that day to correct this before my closing date, XX/XX/2019. A correction of some sort was made by it was INCORRECT! I had to withdraw from the closing process because this error put me back at square one. 
At this point I am demanding that this error is PERMANENTLY FIXED IN THE SPECIALIZED LOAN SERVICE DATABASE and that I am reimburse the appraisal cost {$540.00} and the emotional stress this experienced has caused me.
Product: Credit card or prepaid card

On XX/XX/2021, I responded to an ad on XXXX for Paddle Boards, using my XXXX Visa as payment. When the items did not arrive as stated in the ad, I disputed the charge to my XXXX account, on XX/XX/2021. XXXX issued a credit. On XX/XX/2021, XXXX rebilled the disputed amount, without explanation, and without evidence to support the rebill. I contacted XXXX by written correspondence on XX/XX/2021. XXXX rejected my written dispute, saying my dispute was outside the dispute time period. XXXX declined to provide evidence supporting their decision for rebilling the disputed amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan through Wells Fargo for some jewelry at solitaire jewelry in XXXX, Tn. After getting and approval for XXXX I got some jewelry. XX/XX/2021. A couple of weeks later my credit score went down 119 points which was absolutely ridiculous! I contacted Wells Fargo and they told me that they are able to run my credit. Running my credit and taking 119 points is not the same thing. My credit score went from a XXXX to XXXX. After researching T the most my score should have only dropped 30-40 points NOT 119. I would like to get my points us back because I feel robbed of them
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. This is caused by identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Financial Services has an inquiry on my credit report that I did not authorize on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

After sending numerous written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The XXXX Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : XXXX XXXX XXXX XXXX  XXXX : {$2600.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$380.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Mid-XXXX, I contacted the IRS about where my stimulus check was. They informed me that someone in XXXX  has been submitting taxes on behalf of my XXXX since 2015 when I graduated university. I file paper tax returns as I live aboard and it's easier for me that way, but this person has been doing it electronically. I have since filed the appropriate documents to correct this with the IRS. I checked my credit score to find loans and etc that do not belong to me/I have never applied for. Additionally, the name is not my name on my credit score. I do not have XXXX in my first name nor do I have a middle name. In addition, I have never lived in XXXX like this person does. I don't even believe I have been to XXXX  other than when I was 4 as we were going to XXXX on a family trip. In addition, since 2015, I have lived in XXXX after graduating university in XXXX. I want this person eradicated from my credit score.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Requested copy of credit report on XXXX XXXX 2016 so that I may disputed incorrect items being reported.
Product: Debt collection

Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has three accounts for me and have not proved these accounts are mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Debt collection

I was originally contacted about an alleged medical debt by First Point on XX/XX/19 at XXXX. I informed them that I had originally paid the original creditor about a month ago on XX/XX/19. They told me to submit a copy of the check to XXXX which I did and the original creditor debited my account in the amount of {$20.00}. I submitted this check under reference number XXXX. I informed First Point multiple times in both email and received calls to remove me from their list as the debt with the original creditor was already satisfied. They have continued to harass me with phone calls. I requested a status update via email on XX/XX/19 with no answer. Again on XX/XX/19 I emailed again stating that these phone calls need to stop and stated I would be reporting them if it continued. On XX/XX/19 I received another phone call from XXXX at First Point who had no clue what was going on, I also verified with her that the email I have been sending to was valid, so I sent another email saying the phone calls would need to stop immediately. Again on XX/XX/19 and XX/XX/19 I received more calls. Would you please let this company know that they need to stop contacting me about a debt that was already paid to the original creditor and fine them appropriately for the continuing harassment calls?
Product: Debt collection

On XX/XX/2024, my sister received a call and voicemail asking for private information about me.
Product: Credit reporting or other personal consumer reports

I have been unable to reach the creditor XXXX XXXX XXXX for over a year, I have sent multiple emails and letters with tracking as attached with no reply. The vehicle was a voluntary repossession to XXXX XXXX XXXX which was paid off at auto auction ; however, XXXX XXXX XXXX will not reply and will not update my balance. I have also attempted to sue XXXX XXXX XXXX but we are unable to serve them through process. All I can assume is that XXXX XXXX XXXX went out of business. Attached are all of the attempts that we have made to resolve this so that my credit report is updated accurately.
Product: Credit reporting or other personal consumer reports

Sent a debt validation letter to Jefferson capital on XX/XX/year>. Did not receive anything from company. Requested to have it removed from my credit report in XXXX of XXXX, was told it was verified as accurate and it will remain on my report. Never had a account with this company at all
Product: Debt collection

XX/XX/2020 To whom it XXXX concern : I would like to file a complaint against two collection companies, XXXX XXXX XXXX, as well as Bureaus Investment Group. 

I received a letter today from this XXXX XXXX XXXX, in which they are claiming that I owe a collection debt from XXXX XXXX XX/XX/XXXX, in the amount of {$1600.00}, for an account ending in XXXX. 

I want to make it clear that I do not owe this debt, I did not owe XXXX XXXX XX/XX/XXXX any amount of {$1600.00}, if this is what they are claiming, this is not true. 

If this business has placed this fraudulent charge amount onto my credit files, I want all derogatory information removed, and I would like a letter on their letterhead showing that this has been done. 

I want this company to provide me with their license numbers and Registered Agent documentation.

As well as proof that they are licensed to collect in my state. 

They are slandering my credit with this misinformation, and I want to consult with an attorney about that. 

Also, I want all communication from them to come from them to you, and you can contact me. 

Also the name as how they are writing it on this collection account is not my name, there is no hyphen in my name, and I want that corrected. 

I do not owe this charge amount, and I want my name cleared from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves more than one amount through navient. They have reported my accounts as delinquent on my credit report during the cares act. This has drastically dropped my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at a copy of my credit report and seen a few inquiries I'm unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, a fraudulent account was opened in my name with XXXX XXXX for {$460.00} without my knowledge or consent. This account resulted from identity theft. To address this matter, I filed an identity theft report with the FTC and submitted it to ChexSystems along with supporting documentation, including a copy of my government-issued ID, Social Security card, proof of address, and other necessary materials to substantiate my claim. 

Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), ChexSystems is legally required to block fraudulent information from my file within four business days of receiving sufficient documentation, including an identity theft report. The FCRA specifically allows consumers to submit an identity theft report as defined under 15 U.S.C. 1681a ( q ) ( 4 ), which does not require a police officers signature. The FTC identity theft report is recognized as a valid and sufficient document under federal law, and requiring a police officers signature is an arbitrary demand that is not supported by the FCRA.

Furthermore, this same FTC identity theft report was previously used to successfully remove a fraudulent account with XXXX XXXX XXXX XXXX ( XXXX ). The sudden imposition of an additional requirementdemanding a police officers signaturecreates an unjustified inconsistency and is in direct conflict with the provisions of the FCRA and Section 605B of the Act, which obligates credit reporting agencies and furnishers to honor FTC reports without additional burdens.

This inconsistency is unacceptable and represents a failure to comply with federal law. I request that ChexSytstems promptly remove the fraudulent account from my file without further delay. Failure to act in accordance with the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ) will leave me no choice but to pursue all legal options to protect my rights and hold ChexSystems accountable. 

I trust that this matter will be addressed immediately to avoid further harm to my financial reputation.
Product: Credit card or prepaid card

I am writing to address a critical matter concerning incorrect information that is being reported on my consumer credit report by Capital One. It has come to my attention that the Date Opened is inaccurately reported as XX/XX/2017 for XXXX and XX/XX/2017 for XXXX and XXXX. This incorrect reporting has persisted for several years and is causing severe damage to my reputation. As per applicable laws, I demand the immediate removal of this incorrect information from my consumer report. 
The inaccurate reporting of the Date Opened on my consumer credit report reflects negatively on my creditworthiness and financial history. This misinformation has been reporting inaccurately for a significant duration, leading to potential denials on credit applications and other financial opportunities. The presence of this incorrect information on my consumer report is causing harm to my reputation and impeding my ability to secure credit on fair and accurate terms. 
In accordance with the Fair Credit Reporting Act ( FCRA ), it is my right to request the removal of inaccurate information from my consumer report. I kindly request that you promptly investigate this matter and take appropriate action to rectify the incorrect reporting of the Date Opened. I expect the immediate removal of this inaccurate information from my consumer report to prevent any further harm to my credit standing.
Product: Debt collection

I noticed late payment errors in my credit report that conflict with my usual history. Please correct these issues and update the account
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I have discovered fraudulent credit inquiries on my credit report that I did not authorize. Pursuant to 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I request that all accounts and inquiries related to this incident be blocked and deleted immediately to protect my personal information from further misuse. 
The fraudulent inquiries are as follows : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud, I have a fraud alert on my credit report and have disputed several inquiries with equifax, and XXXX with no resolve. Please see the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX  XXXX XXXXXXXX XXXX XXXX I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX-data breach incorrect reporting and billing inaccuracy. 
XXXXXX/XX/XXXXreporting inaccuracy as far as billing and personal information. 
XX/XX/XXXX- data breach- inaccurate reporting of payments and billing details. 
XXXXXX/XX/XXXX inaccuracy
Product: Debt collection

Per CFPB - The proposed judgment against the XXXX XXXX XXXX XXXX XXXX has been filed with the U.S. District Court for the District of Delaware, and it is effective only if approved by the presiding judge. The consent order is effective immediately. 

Under the Dodd-Frank Act, the Bureau has the authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the proposed final judgment and consent order, the Bureau is requiring the companies to : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. 
Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. 

XXXX XXXX XXXX XXXX XXXX continues to pursue and collect debt by filing a civil lawsuit with the Superior court of the state of Arizona - Through the Gurstel Law Firm PC - XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Per court documents, all collection attempts should ceases until a 100 % audit of all cases are completed. 

I am currently continue to be served papers for court proceedings for case No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$48000.00}.