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

In XXXX, my mother moved into a XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. Since I was not working with and living with my mother I was not working and a XXXX XXXX XXXX under my mother care. The lease was signed and due to run XX/XX/XXXX XX/XX/XXXX. If wanted to receive a {$50.00} discount on the rental. In XXXX of XXXX, the apartment complex came to my mother and told us that they recalculated the numbers and we can move out and not have the additional months added. They had a tenant who wanted the unit. We SPECIFICALLY told them that we were under the impression that we had to move by XXXX. The apartment manager stated that it was incorrect and we can move now NO Penalty. 
Then after a couple months the new company decided that they didn't like the agreement and filed charges against me and my mother. XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX filed a rental eviction on us to Appear in court on XX/XX/XXXX. XXXX # XXXX for the amount of {$1600.00} My mother called and they stated that it was a mistake and they cancelled their case with XXXX district court. A couple months later it was added to my credit report. 
I called and they told they me that it was an error and that why the removed the case. I reached out to the company and since its now new management they wont speak to me. i filed a complaint with the credit bureaus. And I also sent XXXX XXXX XXXX letters to rectify the error that is cause a huge problem with my credit file. XXXX and XXXX refused to respond to me. Instead they came up with this outrageous amount and trying to make me pay something in which they know I do not owe. They know that they removed the error from my mother account and just using me as a way to try to get an unlawful payment. 
The Credit bureau keep sending back verified. I send another asking the how did they verify it .. The sent another letter asking how did you verify and who and when did you speak with someone. XXXX and Equifax did the same this and refused to kook into my claim.. 

They are trying to put debt on me that I do not owe. You can look at my payment history and see that i pay my bills. 
And further more I was not even living in that home, i resided in Florida for months before. 

Im sending a complaint to CFPB due to the companies inability to correct this painful hit to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. All other addresses are not accurate. Please  REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Debt collection

This collection agency is attempting to collect a debt from a company/entity called " XXXX XXXX XXXX. '' I am not that company and have never heard from them. I would like this collection agency to stop sending collection notices to my home address concerning this company/entity. The collection agency has also never provide any proof as to how a company called " XXXX '' or who they are, owes any money??
Product: Credit card or prepaid card

I have had Macy 's credit card for years. I used it occasionally and always paid full balance down if I get the statement in time or can access it online. 
It's extremely complicated to manage the account online. They have separate userid for Macy 's ( for online shopping ) vs store credit card vs store card with AmEx. 
They never send statements or payment reminders in time and mostly I got physical statement when I'm already past due and charged late fees and interests. Multiple occasions I ended up paying those extra fees and interests. 
Finally I was done with it as I closed my account over phone and paid outstanding balance one last time. 
Somehow they figured out a way to charge me additional fees or something. I have no idea what. But now I have a {$14.00} balance that 120 days due at credit bureaus! Only {$14.00}! 
I never received any communication about this {$14.00} ( no mail/ email/text/phone! ) For this my credit score has dropped by almost XXXX points! ( went to XXXX from XXXX! ) The reason I'm complaining to cfpb now instead of picking it up with Macy 's again I think their ambiguous practice may be hurting a lot more customers than just me.

I would expect cfpb to force them to take action in terms of cleaning up my credit history and take a hard look at their bad operational practices.

Also my shopping in Macy 's has reduced over last couple of years part of my annoyance with their credit card. I may never shop at Macy 's anymore and use others instead.
Product: Checking or savings account

I ask my bank to close my checking account a month ago which is XX/XX/2023 and they wont close it and kept it open Im not interested of having this checking account ending in XXXX open due to their new terms and conditions they wont close it
Product: Debt collection

XXXX XXXX XXXX Has been harassing me and threatening me about an account not owned by me or opened by me. Several letters have been sent threatening me and suing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Dispute Affidavit XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX SS XXXX DOB XXXX I have noticed several unauthorized accounts on my credit report where someone has used my personal information to obtain multiple bogus accounts. These following accounts were created without my knowledge : XXXX  # XXXX, XXXX XXXX XXXX # XXXX I've requested documents from the companies mentioned above. I never received anything. 


All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is my only number XXXX ) XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX XXXX XXXX  XXXX Balance : {$390.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

As of XXXX, upon review of my most recent review of my credit profile from XXXX Transunion and XXXX, I have found a few inaccuracies listed. On Page XXXX of my attached credit report listed concerning a XXXX XXXX XXXXXXXX account, XXXX, Transunion and XXXX have conflicting LAST REPORTED dates. DATE LAST ACTIVE is also inconsistent across XXXX, Transunion and XXXX. The PAYMENT HISTORY for XXXX is also inconsistent across the said XXXX credit reporting agencies for the same XXXX XXXX XXXXXXXX account. 15 U.S. Code 1681e ( b ) states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This is because 15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Therefore 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The results of these inaccuracies have caused my self and as a result, my family, discrimination, pain, duress among other forms of mental discomfort. Consequently, due to the grave inconsistencies XXXX, Transunion and XXXX should immediately remove this XXXX XXXX  XXXX account from my credit profile to reduce the personal harm they have caused. XXXX XXXX - Without Recourse.
Product: Money transfer, virtual currency, or money service

I was wired XXXX Euro from XXXX, XXXX from XXXX XXXX on XX/XX/2020 and on XX/XX/2020 XXXX XXXX  posted {$67000.00} to my account before deducting their incoming wire fee. They informed me that the exchange rate that was applied by Citibank to this transaction was XXXX. The history of Euro to US Dollar exchange rate shows at that time the exchange was between XXXX and XXXX. This resulted in a short payment to me of approximately {$1500.00} US. 

XXXX has been unwilling or unable to give me contact information at Citibank, who they say handled the conversion from euros to dollars on this wire transfer. I am not able to follow up with Citibank without this information. Does XXXX not have an international wire transfer desk for receiving a wire from XXXX? Why was Citibank in the middle of this transaction? Shouldn't they also be responsible for applying reasonable conversion rates on international currency transactions? Is XXXX also responsible if Citibank is acting as an agent of XXXX?
Product: Checking or savings account

A payment for {$500.00} was sent from my client to me on XX/XX/2022 from XXXX XXXX XXXX Bank account ending in XXXX to my Revolut Bank account ending in XXXX. The money never arrived in my account. I contacted Revolut Bank, but they were unwilling to provide a solution. They were provided all the pertinent information needed to find the deposit but kept telling me, " the deposit doesn't show in your account '' I know the deposit is not in my account - that is the reason for contacting them. Revolut refuses to research or release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send letter asking the credit agencies to update my information several time now but no respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercantale continues to furnished paid improper information on credit file. Continue to reach out to company regarding item on credit report.
Product: Debt collection

My complaint is against Financial Data System. They keep reappearing on my Credit report and I do not owe any hospital bills. I have been XXXX since XX/2017 and also receive XXXX. I have never received validation of any debt and nothing that was signed off from original creditor. I do n't know if this was billed incorrectly, but I have XXXX and all my bills are covered. This company find a way to keep popping up on my credit report after being removed several times which is illegal. Once a collection has been removed off your credit report it is illegal for all credit bureau to allow them to be put back on. XXXX cover all my doctor visits, lab and any other test. I do not owe this bill it needs to be sent to XXXX.
Product: Debt collection

I filed for chapter XXXX bankruptcy on around XX/XX/XXXX/XX/XX/XXXX. SunTrust Bank was included in my filing. My bankruptcy was discharged on XX/XX/XXXX. I have not heard from SunTrust Bank since then. Today XX/XX/XXXX, while in the process of selling my house i was informed that SunTrust Bank had a judgement on my property from XX/XX/XXXX. I did not own this property until XX/XX/XXXX and SunTrust Bank was included and discharged in my bankruptcy in XX/XX/XXXX. Why 20 years later have they placed a judgment on a property that I didn't own until 10 years later. At no time when i purchased this house did an issue with SunTrust Bank arise so all of this coming up out of the blue is pretty shocking and concerning. 

Per my discharge documents, " The discharge prohibits an attempt to collect from the debtor a debt that has been discharged. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take any other action to collect a discharged debt from the debtor. A creditor who violates this order can be required to pay damages and attorney 's fees to the debtor. '' This is a clear violation that SunTrust Bank is to collect by placing a judgement on my property 10-20 years after it was discharged in a chapter XXXX bankruptcy.
Product: Checking or savings account

I was offered a special bonus. I was offered {$450.00} bonus if I deposited XXXX or more before XX/XX/2020 in my account ending in XXXX. The bonus was too be credited if I maintained the balance till XX/XX/2020. I fulfilled the requirements and the bank is not giving me my bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have been contacting Equifax about inquiries onmy report that I did not make without success. I last wrote on XX/XX/XXXX, yet another letter disputing wrong information on my credit and they have not responded. 
My inquiries that I am aware should all be from XXXX when I was working on my credit. I never made further credit applications resulting in authorized inquiries. 
The following inquiries are reporting on my credit reports and negatively impacting me as these were not authorized by me : XXXX/XXXX made in XX/XX/XXXX XXXX XXXX is being reported up to 3 times within XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am deeply disappointed by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment is my entitlement, thus I kindly request a detailed account of their failures in upholding accuracy and compliance. The credit report I received is surprisingly inaccurate, given the expected adherence to the FCRA and applicable Metro 2 data field formatting standards. I challenge you to provide a verified, complete, and truthful document as evidence for each claim, as any deviation from these standards jeopardizes data integrity. My credit report is crucial to my financial well-being, and I urge the immediate removal of any false accounts for factual accuracy, verification, and compliance. 

Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXXXXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately.
Product: Credit reporting or other personal consumer reports

Reported to both companies and XXXX that I do not recognize the inquiries that are being reported to XXXX and request removal. 
Request inquiry removal by telephone. Request note completed.For all of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I went to XXXX clothing store located, at XXXX XXXX XXXX XXXX, XXXX, IL XXXX to do some shopping with my daughter I ended up, dropping my card out of my wallet in the store of XXXX, I called my car company on XX/XX/year> to report my car, lost and stolen from inside of the store where I had dropped it somehow. The phone ended up going dead with the agent on the phone. I called back in to raise awareness of what was going on. I still need to get the things in the store that I had in my car. The agent on the phone told me to see if the XXXX XXXX card would work so I tried that XXXX times it declined it XXXX times until I added money to my cash app card. This one I looked at my account I saw money was spent with the Chime credit card account that is linked to my Chime app. Thats when I knew someone had the card and they were using it in a different location, so I told the agent, while I was on the phone with them, what had transpired, he asked me to see if I could lock it, but it was too late. They already spent money off of it. They denied my claim due to my dispute. I want to report them and I want to have these agents investigated on the the fact I called in and reported my card lost and stolen on XXXX thats, when they stated to me, I had to wait until the transaction get done pending. so I complain on if I have to wait I would like for you guys to document what you just told me that I had to wait to the transaction to be complete, so I can make my dispute, so the agent provided me with a reference number, so I jetted it down. The first one was # XXXX and this took place on XXXX, which was Wednesday. And the Thursday was the second one. Which was XXXX I also made a police report with XXXX Illinois located. XXXX XXXX XXXX, XXXX, IL XXXX I also provided a receipt, showing decline transactions. the time was on there to show I was still at the XXXX XXXX, while the individual whoever had the card went to XXXX IL at a ( XXXX liquor ) store located in XXXX IL, Illinois, Im asking for your company to please do a full investigation on my situation. My credit card company should be able to have my back when it comes to disputes and any errors that occurs, when it comes to my account. My card company has let me down on several occasions, when it came down to certain issues, with transactions and disputes, I am asking for Chime to give me my money back, when it comes to a dispute I filed on a timely matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, XXXX, DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX, XXXX, DEPT OF EDXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting

I am currently a victim of financial fraud and Identity theft where unauthorized charges were made on all of my credit accounts and although I incorporated automatic monthly payment procedures on all of my credit accounts, culprits within the credit bureau, within my creditors, and from within my bank, misutilized my credit record, and further recorded erroneous late payments on my EQUIFAX, XXXX credit files. In addition, they attempted to hide their criminal activity by marking more than XXXX my lawful good credit accounts off as CHARGED OFF and XXXX account as a Collection. Myself and XXXX XXXX services incorporated a credit correction campaign spanning more than three years. Despite our lawful attempts to correct and remove the erroneous late charges and delinquencies from my credit files, EQUIFAX, XXXX, have continued in violation of federal law, in violation of fair pattern and practice, and in violation of my civil and constitutional rights, reporting erroneous credit information severely damaging my attempts to buy a house, a car, and to rent. I am severely devastated by their negligence. I am currently a victim in the XXXX. My Victim identification number is # XXXX. I am defamed, slandered, and suffering severe mental anguish. And even though the erroneous late payments and account statuses have been continuously in dispute, EQUIFAXXXXX, have continued to report the disputed accounts to potential creditors!!! Please help. Remove all late payments and restore all of my credit accounts to PAID AS AGREED. The status all of my credit accounts were in prior to XXXX 2013. All were PAID AS AGREED and NEVER LATE.