23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Creditor : Macy 's XXXX calls gives false information and collection department provides no transparency. 
Credit card holder since XXXX, I closed the account around XXXX because Macy 's illegally withdrew money from my checking account. 

I was past due for a XXXX XXXX XXXX payment and in XXXX XXXX I attempted to become current. I changed payment arrangements around and explained that I get paid with a paper check not electronically. The last customer rep ( with a strong accent ) I spoke to assured me verbally that I had till the XXXX XXXX XXXX to make partial payment and also arranged for future payments to be drafted from the checking account. Macy 's reported it late. I called their credit division to inquire:1st call - Customer Service rep. said I was late for two straight billing cycles. I explained the conversation with the customer rep and asked if they would pull the recorded call. He said they do not record calls. I asked to speak to his manager. Manager was absolutely unprofessional and asked why I missed the payments. My explanation was not enough. 
2nd call - to XXXX on the statement and spoke to a rep. ( with a strong accent ) she apologized and said I should not have been reported and connected me to credit division. Another rep. explained there was nothing they can do, their manager wrote " I did not pay because I had no money to my account. '' He also admitted that they do record calls but he does not have access to them3rd call - Credit division, rep. said if I would have made that partial payment before the XXXX I would not have been reported. Furthermore ; she continued to assist me with the rep ID numbers from the calls I made prior. She apologized for the miss-information I was given by the rep. in question. 

Also I tried on various occasions since XXXX to enroll in a hardship program via the XXXX provided on the statement. My income decreased, I wanted to continue making payments but needed help with lowering the interest rates. The reps. ( strong accent ) confirmed Macy 's does not participate in such programs. Well I get a letter from Macy 's responding to a BBB complaint I had submitted. Again they apologized for the inconsistency for the reps. and suggested I enroll in a program available to me if I am having financial difficulties. I called the XXXX on the statement and a lady with ( a strong accent ) said Macy 's does not have such a program. Once I referred to my letter, they placed me on hold and lady with no accent came on and was ready to help. I FINALLY found someone who would help and with professionalism. My interest rate went down to 9.99 % from the average 28 % and she changed my due date. Also min. payment was decreased. Had I received this help earlier, money would be saved with lower interest rate, it would have avoided stress and unfortunate 30-day late marking on the credit reports that I have to deal with.
Product: Debt collection

My question to you is how can a company pose or act as if they are the client they are working for. This information is posted from " RSI enterprises Incorporated '' website. I will post under my initial complaint quote the company website.

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As an extenXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, RSI represents you on a XXXX XXXX XXXX. Inbound/outbound calls are made and answered as XXXX XXXX XXXX XXXX XXXX XXXX making it invisible that the call and subsequent collection is handled by an outsource partner. All letters/notices are sent using the client letterhead. This is a service conducted from our office with our Customer Service staff.

3RD PARTY/ BAD DEBT COLLECTIONS RSI processes accounts and pursues collection activity under State and Federal regulation guidelines. This involves sending notices, making phone calls and pursuing litigation, if authorized by the client. XXXX XXXX XXXX XXXX  How can they do all of it yet be in compliance with the allowed amount of communications while posing as the actual health care facility. So becoming a " partner '' they can a XXXX  area?
Product: Checking or savings account

Robinhood locked my account then proceeded to tell me I can not have any of the funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It  May  Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by : 1.   XXXX   XXXX   XXXX   -- Unauthorized Credit Inquiry ON DATE :  XX/XX/XXXX  2 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON DATE :   XX/XX/XXXX ,  XX/XX/XXXX  3.  XX/XX/XXXX -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX   4.  XXXX  -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX   5 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX  6.  TOTAL MERCHANT SERVICE -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX  I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.  <P/> I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.  <P/> If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.  <P/> Thank you,  XXXX   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a {$200.00} transfer through XXXX via JPMorgan Chase to another person. This payment was sent to purchase merchandise, which was posted on the app called XXXX, by a person named XXXX. I never received the merchandise, and the seller took down the original merchandise post and deleted their account. 

On the same day ( XX/XX/XXXX ) I called JPMorgan Chase and spoke to an agent, supervisor and manager on the phone, who all told me nothing can be done to return my money or have it refunded. I explained to them that this was fraudulent. I was given no opportunity to present evidence to prove my case, given no opportunity to prove that I was scammed, and they took no attempt to reach the receivers bank. I was told several times that nothing could be done.
Product: Credit card

There has been a total of {$260.00} of fraudulent charges by the Company named XXXX XXXX XXXXXXXX on my Chime credit card. Chime has refused to share any information outside of a list of the transactions and a questionnaire list of how it was deemed that no billing errors accorded, how I have replaced my card 3-4 times this year for the same reason fraudulent charge, how chime continues to allow that company to still charge my different replacement cards despite several disputes regarding the transactions from that company as fraudulent transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

through this CFPB complaint portal I was able to obtain some additional information regarding the extent of my identity theft. it was initially though of to have begun in or around XXXX as the police report stated, also all info that I was able to get came directly from my credit report as these accounts are not mine. I was informed that there is another vehicle that was accepted as a trade in also in my name. I have never traded in a vehicle in my life. furthermore I had fought my employer to prove that I was not liable for the wage assignment to the point where I won a case with my union after resigning my position. it was also said in the response to the complaint that my personal identification was used " same picture '', also it was mention that my police report stated XX/XX/XXXX was when the theft of my identity began, well that was all I had knowledge of at the point, so a revision of my police report will be done but this company seems to suggest that since my personal info was used to obtain these goods then the debt is valid, also as explained I had been granted a discharge by federal guidelines of all debt in XXXX, and this debt would have been included if it were valid NAC act # XXXX
Product: Debt collection

AFNI inc. is continually updated the date reported on my collection account. The account was initially reported in XX/XX/XXXX Just today, after I just submitted a complaint about the company ( XXXX ) on XX/XX/XXXX. Today ( XX/XX/XXXX ) they flagged my credit report with the same collection account only update the status date to : XX/XX/XXXX. They are clearly attempting to poison my credit report my falsely reporting information.
Product: Money transfer, virtual currency, or money service

I received a text message this afternoon XX/XX/2023 around XXXX from what I thought was my bank that someone was trying to Zelle {$3500.00} from my account. Not to long after that I received a call from who I thought was my bank and spoke with a guy that told me he was from XXXX XXXX and told me if I knew a XXXX XXXX of course I said no and he told me I must Zelle myself money because my account was hacked and he sent me code. I honestly thought the call was genuine cause he seemed like he was trying to help me I had no idea I was being scammed. I only had XXXX in my checking so I then had to make another Zelle transfer of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complaint to help establish a legal recourse. If XXXX, Equifax, and XXXX choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... 
Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

Me and my fathers information was stolen. We have since then continued to file a dispute with the company over and over for the last several years since XXXX.We have requested documentation along with XXXX different police reports as well as the FTC. Per learning more about credit reporting, they are still attempting to collect upon a debt that not only me but my father have provided detailed information regarding the identity theft. In the state of Texas there is a statue of Limitations for attempting to collect on a debt. Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is XXXX years. The debt per what is reporting on the credit beauru became repossessed in XX/XX/2018. The vehicle was then sold and charged off as XX/XX/2018. Still to this date they are still attempting to collect on a debt that we have continued to dispute but will not respond back to any of our letters nor notices. I am wanting to have this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Equifax and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.
Product: Credit card

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. XXXX XXXX
Product: Debt collection

There's a debt of XXXX dollars owed to XXXX  but in order to get a new line this had to be paid, which it was. I currently have XXXX and in good standing. I don't own anything to them and this is either not mine or hasn't been updated but I definitely have a current good debt free phone line. I'm uploading my most recent statement.
Product: Payday loan, title loan, or personal loan

Monthly payment was made XXXX-18 and then pay off made XXXX-18, on a recorded line the rep stated you have to call in pay off payments that are planned on being made. I asked her to direct me to where this clause was in the contract and she could not. Even though the balance shows as {$0.00} completed and I can't use my social security number in the automated system because it says I no longer have a loan, they took out another payment for XXXX on a {$0.00} balance. They plan to take out another payment in XXXX claiming the 2 payments are for interest. This totals over {$1300.00} in interest being charged in 28 days on a paid off account. After arguing back and forth that the contract had no call in clause and being placed on hold multiple times and transferred, they finally agreed to shut off the automatic payment. They reversed the XXXX payments but still want me to pay an additional {$1000.00} in interest fees and will be billing me for this because their screen shows different information than they show on my online account. Even though it is paid in full with a {$0.00} balance, completed, states they took {$0.00} out for XXXX but admitted on the recorded line they did in fact take the payment out, they are still requiring another payment in XXXX on a {$0.00} balance and loan that can't be accessed via my social security number because it is paid off. This is fraudulent business practices at best. Loan amount taken out was {$16000.00}, first payment due date was XX/XX/18 and amounts paid were {$610.00} on XX/XX/18 and an additional payment of {$16000.00} on XX/XX/18 for a total of {$16000.00} which is {$490.00} over the amount borrowed and paid off within 28 days of the monthly payment leaving a {$0.00} balance ( screenshots taken ) but they are now requiring I make additional payments of {$510.00} and {$350.00} " for interest '' which is an additional {$860.00} on top of the {$490.00} already paid for 28 days of the loan. This is a total of {$1300.00} " for interest '' for 28 days of the loan. Again the loan is paid off in full but they are requiring additional payments even after a {$0.00} balance. The second rep said they will update the system for my refusal to pay on a {$0.00} balance to reactivate the loan, which will accrue interest and payments again on a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was compromised and cleaned out XX/XX/22. I have been in constant contact with XXXX XXXX  to rectify the problem. I have been hung up on and placed on hold until the call disconnects multiple times with no answers as to whats going on with my account. I can not pay any bills because of this and they will not provide any information
Product: Student loan

1. There was a disbursement amount of {$5000.00} for XX/XX/XXXX was never paid to the school or to the borrower ( me ). Yet Navient/Sallie Mae has a financial record for that amount on my account. So that {$5000.00} amount is fraudulent, it is not a loan I received. 

2. On XX/XX/XXXXand many dates after ( see notes attached ) It looks like I made a payment of {$150.00} and Navient/Sallie Mae show that I was charged, on the same day, {$150.00}. So the record indicates that I was charged the same amount I was paid under the label of " adjustment ''. It was never made clear what that extra charge was actually for. 

3. On XX/XX/XXXX I was not attending school at all -- nor any other program, yet a disbursement shows up as me owing an ADDITIONAL {$30000.00} When I requested information about all of my original loan documents on XX/XX/XXXX, this " loan '' was not included. There is no record of where this money went or why it was added to my account. 

4. The information received from Navient/Sallie Mae was confusing and hard to follow. There is no way to follow what my actual total balance was. It lacks crucial details about how much is currently owed and where the totals are coming from. 

5. I believe that Navient/Sallie Mae misled me because none of the loan documents I signed originally included info about what interest would be required on the life of the loan ( s ).

6. I find that the Truth in Lending Act requires that a private loan holder that holds more than one private education loan for a borrower apply ANY prepayments on those loans FIRST toward any FEES due on such loans and then, unless the borrower states otherwise, toward the PRINCIPAL due on the loan that bears the HIGHEST interest. That was not done as my online account shows a record of payments made an the entire payment was applied to the interest only and/or payments were applied toward loans holding a lower interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a negative that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Request to close account on XX/XX/XXXX and XX/XX/XXXX last person I spoke to was XXXX  in XX/XX/XXXX about closing account. I completed all forms sent to me by XXXX XXXX XXXX, but the account still remain open with a credit of XXXX to my account that was never sent to me as a refund. A letter was sent to the company XX/XX/XXXX requesting the company to close the account in writing again by USPS. The company has failed to respond in writing by mail as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX Missed payments ' XXXX XXXX  I OWE THEM {$270.00} in COLLECTIONS OPENED XXXX. XXXX XXXX XXXX I OWE THEM {$1900.00} IN COLLECTIONS OPENED XXXX. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX is reporting a bankruptcy on my credit report and they put in the data furnisher as the XXXX XXXX Bankruptcy Court of XXXX XXXX which is false. I have attached a letter from the US Bankruptcy Court of New York verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning any persons bankruptcy.