23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a charge on my Macy 's card back in XX/XX/2020 in the amount of {$100.00} as part of an incentive. I never carry a balance on my cards and had not used my card in some time. I immediately paid the balance of {$100.00} XXXX weeks after making the purchase and prior to getting my statement from Macy 's. I paid via XXXX Account and verified that the check had cleared my account. Macy 's never applied the payment to my account referenced above. Once I received my statement showing balance still owed I discovered that the amount was not applied to my account because check was sent to a different Macy 's address. Once I figured that out, I authorized XXXX to pay the amount again and they deducted it a second time from my account. 
Macy 's has now been paid twice, they hit me with late charges through this process and because of that they sent it to collections and charged me further fees associated with the collections.

I never received any information from any collection agency proving proof I did not make the payment as they did not have access to the payment history within Macy 's. I NEVER received any type of Dunning Letter stating that they were going to send me to collections. I only discovered it when I went to take an auto loan out and my score had dropped from High 700 's to Mid 600 's. 
Because Macy 's is unwilling to work with me ( directing me to work with the collection company ), and the collection company refused to remove the collection from my account because they said only Macy 's can do that. I am stuck in the middle with my credit damaged for a {$100.00} charge I paid prior to the due date.

I am demanding this collection be removed from my credit report and I am now filling a complaint with the CFPB against the collection company, Macy 's, and the credit bureau for reporting false information, for charging me late fees and collection fees unjustly, and for the damage it has caused my credit score and my ability to obtain additional loans.
Product: Payday loan, title loan, or personal loan

The amount is for XXXX the company name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting with our XXXX loan payment to Amerihome Mortgage Co. Thru automated bill pay service with XXXX XXXX our payments were not being applied to our Loan. Payments for XXXX, XXXX and XXXX were sent but not applied. XXXX payment was withdrawn from our checking account on XX/XX/XXXX, XXXX payment on XX/XX/XXXX, XXXX payment on XX/XX/XXXX. After many conversations with Amerihome personnel it was determined that we had the wrong loan number on the automated draft being sent from XXXX XXXX to Amerihome. This is a seasoned loan and Amerihome had accepted and applied all payments in XXXX using the incorrect loan number. At no point were we informed that the loan number was incorrect. Amerihome reported to XXXX  that the loan was delinquent thus lowering my credit score by approximately 50 points. I find the Amerihome personnel totally indifferent to this problem, generally the individual 's that we talked with were pretty much uninformed regarding how to research this problem. In my opinion this problem should have been resolved within a XXXX hour period but took us talking with Amerihome from XXXX thru XXXX. This company is just unprepared to accurately diagnosis even the simplest situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 an account without my written instructions.
Product: Debt collection

My information with equifax has been breached, here 's the proof and they refuse to delete this account, errors in addresses and false inquires. So please delete this from my credit report immediately, as I was a victim of this data breach. 

XXXX : XXXX XXXX : # # # # # # XXXX XXXX XXXXXXXX cross keys office pk. XXXX NY, XXXX Phone # XXXX Equifax is reporting these addresses in error on my report. Please remove from my credit report immediately. 
Address error : XXXX XXXX XXXX neptune XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX delray XXXX fl XXXX XXXX XXXX s. XXXX XXXX XXXX XXXX lake worth fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX these hard XXXX XXXX and never authorized. I have disputed these before already and they refuse to remove them along with the addresses. 
XXXX XXXX XXXX XXXX XXXX coast RV XXXX XXXX XXXX
Product: Mortgage

My house was rushed into foreclosure ending with predatory leaning for the ages. I lost my house and the XXXX of equity that I had build up. I only owed XXXX. 
I was taken advantage of. 
The courts were manipulated. 
Justice was not served.
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Dispute Comment on Credit Reports Causing Credit Score Harm Dear CFPB, I am filing a complaint regarding my auto loan servicer, Ford Motor Credit, for incorrectly placing a dispute comment on my credit reports, which has resulted in a XXXX drop in my credit score. Ford Motor Credit stated that I filed a dispute under the Fair Credit Reporting Act ( FCRA ), and that the dispute has been resolved. However, I never filed a dispute regarding the information on my credit reports. 

What I did file was a complaint with the CFPB about Ford Motor Credits online payment system, which does not credit payments on the same day they are made. This has caused certain payments to appear 30 or more days late, which is not the same as disputing an item under the FCRA. 

Ford Motor Credits decision to treat my CFPB complaint as an FCRA dispute is a significant error and distinction. Under 15 U.S.C. 1681s-2 ( b ), creditors must ensure the accuracy of information furnished to credit reporting agencies. Filing a CFPB complaint about their faulty payment system does not constitute a dispute regarding credit report inaccuracies. By falsely categorizing my complaint as a dispute and placing that comment on my credit report, Ford Motor Credit has harmed my credit score unnecessarily and inappropriately.

This misclassification of my complaint has caused me financial harm through the unjustified drop in my credit score. Furthermore, Ford Motor Credits actions violate their responsibility under the Fair Credit Reporting Act ( FCRA ) to furnish accurate information to the credit reporting agencies. 

I request that Ford Motor Credit immediately : 1. Remove all comments related to the alleged dispute from my credit reports with all credit reporting agencies.

2. Take corrective measures to ensure their processes accurately distinguish between complaints filed with the CFPB and disputes filed under the FCRA. 

Their failure to remove these incorrect comments continues to cause harm to my creditworthiness and was done without any basis under the FCRA. I ask the CFPB to investigate this matter thoroughly and ensure that Ford Motor Credit complies with their legal obligations. 

Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX I was notified by Bank of America ( XXXX XXXX ) that three of my checks written on from my Trust account at XXXX XXXX  were presented to their tellers for deposit into three different fraudulent B of A accounts. The checks had been stolen from a mailbox where I mailed them to pay utility bills. I was unaware that they had been stolen and rewritten for different amounts to different recipients until B of A made this call. I confirmed with B of A that they were my checks but not as written. And, although my bank had already wired funds from my checking account to cover these checks, B of A did not move the funds into the fraudulent accounts ; they held the funds. They told me that the funds would be returned to my account after their research about the incident was completed -- roughly 45 days at most. 

On XX/XX/XXXX, XXXX form B of A called me to say that the research was almost complete and that funds from the first check were being deposited back to my account ; the rest would follow. 

The forged checks, numbered XXXX, XXXX, and XXXX were written for {$27000.00} ; {$24.00}, XXXX. and {$22000.00}, respectively. This mean s that almost {$75000.00} of my Trust account was missing. 
I am XXXX XXXX XXXX and this money, my savings, is needed for my care. 

It is now XX/XX/XXXX, long after the 45 day period first promised for the return of my funds and long after the legal scope of 30 to 60 days. I or my daughter on my behalf have called the B of A fraud dept multiple times weekly about the return of the funds. They confirm that they do have the funds and they confirm that the funds were never deposited into the fraud accounts but they can not say when they funds will be returned. A XXXX named XXXX told us on XX/XX/XXXX that there was nothing more that the Fraud Dept can do and that I should go to a local ranch and set up an account with B of A so that they can give us more information. I made an appointment to do as he directed. Then on XXXX, I talked to supervisor XXXX ( who I've spoken to three times ) who said that XXXX was incorrect and that the money would still be coming at some point but that there was an issue that requires me to go back to the police officer who made the report -- we have that case number and give him a phone number to call B of A and talk to them. Since then, I have left several messages for him ( XXXX XXXX ) but he has not returned any of my calls. 

In all these months no one has told us to go back to the police officer, and no one from B of A has reached back to us since XX/XX/XXXX. 

I am very afraid that B of A will just drag this out until I die and then refuse to give the money to the heirs for which it is in trust. My health is not great ; I go in and out of the hospital. 

B of a case number fo rthis issue is XXXX
Product: Credit reporting or other personal consumer reports

I am a documented victim of identity theft ( FTC Report # XXXX, filed XX/XX/year> ) and have submitted multiple police reports, an identity theft affidavit, and formal disputes to XXXX  regarding a fraudulent transaction made by XXXX XXXX, an individual who had full access to my home, wallet, computer, and personal information. 

XXXX  has refused to honor its obligations under FCRA 1681c-2 and 623 ( a ) ( 6 ) by continuing to report the account ( Loan ID : XXXX ) to XXXX  as open, despite the account having previously been charged off, closed, and sold to a third-party collector ( January Technologies ). This re-aging and continued reporting constitutes a clear Metro 2 violation and a willful misrepresentation of the tradeline. 

I have requested Proof of Validation and Method of Verification on several occasions but have received nothing more than generic internal notes and unverifiable system datano wet signature, no IP logs, no user authorization, no purchase confirmationyet XXXX continues to push the narrative that the account is legitimate. 

XXXX then sold this disputed account to January Technologies, who is now attempting to collect on it, despite the identity theft being formally documented. This constitutes a violation of FCRA 623 ( a ) ( 6 ), FDCPA 809, and my right to have fraudulent information permanently blocked.

I am requesting : Full deletion of this fraudulent tradeline from XXXX  Cease and desist from January Technologies Enforcement action against XXXX  for knowingly reporting and selling a fraudulent account Immediate investigation into XXXX  compliance with reinsertion and fraud response procedures Formal penalties against all involved for willful violations of the FCRA, FDCPA, XXXX XXXX reporting guidelines, and state consumer laws I have exhausted all other dispute avenues and will pursue civil litigation. All documentation has been provided and XXXX continues to ignore my rights as a consumer and identity theft victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is being reported inaccurately on my credit report by Trans Union. 

XXXXXXXX XXXX XXXXXXXX # XXXX I demand that this account is corrected or removed from my credit report immediately.
Product: Credit card

My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to XXXX, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the creditors and collection agency regarding inaccurate accounts on my report. It is now XXXX days  and I have not received a repsonse. I did my research and I am for sure that they have XXXX days  to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting

I have sent LexisNexis every piece of information ( XXXX pages ) since 2013 to block and freeze my REPORTS! I was recently married as a result of the XXXX Courts historic ruling in XXXX XXXX XXXX and my last name changed. As a result they use that as a separate person despite sharing everything else! This is egregious as a victim of identity theft to have them do this type of bait and switch. Is it only against XXXX and XXXX individuals? Some animus toward us? Its the same social security number and address and there for the information should not be accessible to anyone! I repeat i have more then enough evidence that I sent them in XXXX to warrant the blocking of my information. Yet they get around because of a last name change of marital status. This is discriminatory
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/ asking them to report my credit history accurately. I received a letter dated XX/XX/ stating that they were reporting the information accurately. 

I have written, XXXX, TransUnion and XXXX   asking that the missing information be reported. I have only heard back from TransUnion which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is XXXX.
Product: Vehicle loan or lease

In accordance with the fair credit reporting Act, this creditor has violated my right under USC1681 section 6 o 2 states that I have the right to privacy 15 USC 1681 section 6 o 4A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

Dear Sir, This is to bring to your notice that, I had utilised the services of Western Union based in XXXX on XX/XX/XXXX to transfer an amount of XXXX $ from my checking account with XXXX XXXX XXXX ( account ending in XXXX ) .to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account ending in XXXX ) XXXXWestern Union charged me XXXX $ for this online money transfer ( inclusive of proccessing fees ) .They said the transfer would be done in XXXX days, as advertised.I had been getting calls from XXXX XXXX XXXX, the recipient , that the money has not been transmitted even XXXX  days after the transfer was initiated and the money taken from my US checking account.On contacting western Union, their agent XXXX XXXX apologised for the delay and said they had issues for processing and she would initiate an investigation.She said they would contact me after XXXX XXXXI asked for a refund.I had to send XXXX XXXX the amount of XXXX through XXXX XXXX ( XXXX ) and she received the amount in a few hours.This delay has tarnished my reputation and caused me undue mental duress.I contacted Western Union again after a week and asked for the reasons behind the delay and the status of refund, Now they say ( XXXX XXXX ) the amount had gone through on the XX/XX/XXXX and they would initiate an another investigation and contact me in XXXX hours.. I believe the representatives of Western Union are just wearing me out, by delaying the issue.Neither have I been refunded.They said, I should contact the recipient 's bank in XXXX and ask for the refund. Kindly take action against this agency based abroad and please refund me, the amount of XXXX XXXX charged from my checking account resulting in me, sufferring undue mental stress and hardship. Kindly bring to the attention of other hapless US consumer using the services of this fraudulent company XXXXWestern Union , who misuse US Banking laws Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America, blocked my credit card that we had with them since XXXX, without notification. They lost my, and my wifes Social Security number, and wanted me to replace the numbers without telling me what happen. My wife is a handicap individual and uses this card to purchase on line. Many years ago we had identity theft. Due to this, and because this was a charge card, I did not give them our numbers. Bank of America claims that they sent me a letter in XXXX. ( I did not receive one nor do they have a return receipt. ) I believe that they blocked our cards due to their own incompetency, and that created server social and financial embarrassment to myself and my wife. This complaint is the first step that we will take. I intend to have us made whole for our time, embarrassment, and loss of credit power on this incident. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was trying to buy something from the company called XXXX, but they ask me to use XXXX to send money to different people. And I did't get my product.I called Chase to tried to get money back, but Chase won't. 
The details are : XXXX XXXX XXXX XXXX  : {$550.00}, XXXX : {$370.00}, XXXX : {$1000.00} XXXX XXXX : XXXX : {$180.00} XXXX XXXX : XXXX : {$590.00}, XXXX : {$290.00}, XXXX : {$970.00} XXXX XXXX : XXXX  : {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed late payments with the creditor XXXX  through the following companies Experian, XXXX  and XXXX  for the months of XXXX, XXXX and XX/XX/XXXX as-well as XX/XX/XXXX it is approaching the deadline for the 30 day fair reporting act and the investigation is still not complete. I would like for these late payments be removed and updated to on time immediately.
Product: Debt collection

this particular agency is still trying to collect a non verfiied debt against me. on XX/XX/2017 I have paperwork that states the following '' be advised that choice recovery, Inc has requested deletion of the account placed by XXXX XXXX XXXX XXXX acount number blab blab to be removed off your credit report. suddenly in the middle of nowhere the agency has reinstated the debt, which is a violation of itself without my express consent. you have also agreed to removed the information from my credit file the second time back in XXXX which has not happened as of yet. I have you choice recovery still reporting on my credit which is hinding my ability to move forward with my life. I will not give in with this, and will continue to fight this battle.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX partner in-home sale of HVAC system. 
Sales and service reps came to my home the evening of XX/XX/scrub>/2024 to discuss the purchase and installation. 

The sales agent submitted a loan through XXXX via his App/online to : Service Finance Company , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX Attn : Processing Department Email : XXXX Service Finance Company is a subsidiary of Truist Bank . 
The loan amount is {$8900.00} and was approved. 
The installation was a failure. 
The system described in the Home Improvement Agreement/contract is not the same as the system installed. 
The system doesn't function properly, it is extremely loud, not cooling properly, and my home and contract requires a XXXX ton rather than the XXXX ton which they installed. 
XXXX did not provide any paperwork about the A/C unit, and no warranty information or proof of registration. 
There is no work summary provided with details about the system and no warranties or registration documentation. 
The crew also had problems installing wiring so there were issues getting electrical power to the unit. 

I submitted the Notice of Cancellation on XX/XX/year>, before the XX/XX/year> deadline per contract but neither the XXXX sales rep, nor Service Finance Company Attn : Processing Department Email : XXXX, has acknowledged receipt of the cancellation notice. I need verification that the notice has been received before the deadline. They need to remove the HVAC system from my home.
Product: Debt collection

My bill is being payed, no reason for it to be in collections. 
They have many reviews and reports of fraudulent credit reporting, calling for debts not owed at all, or debts already payed. 
As well as poor customer service and over all concerning business practices.