23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing this letter to express my deep dissatisfaction with a recent issue involving my Macy 's American Express Card account. I discovered that I was charged {$970.00} in interest, despite having paid off the outstanding amount, The situation arose due to a payment scheduling problem, which led to this signific financial disaster caused by interest charges. 

I believe it is essential to highlight that I had scheduled the payment to be made through my bank account well in advance, in an effort to be proactive and timely. Money was sitting in the account waiting to be dispersed on the appropriate date. Somehow something went wrong. I am not quite sure what happened. 

Given these circumstances, I am disheartened that an error in the payment date has resulted in such a substantial interest charge. As a loyal customer of Macy 's American Express Card, I believe that this situation is unjust and unwarranted. I have always been diligent in making my payments on time. 

I spoke with XXXX XXXX XXXX ) regarding this matter. However, I was disappointed to learn that she was unwilling to connect me with her supervisor or manager to further discuss the situation and explore potential solutions. It is my belief that open communication and escalation are vital in situations where customers are facing financial burdens due to errors unknown to them. 

I kindly request the following actions to be taken : Adjustment of Interest Charges : I urge you to review my account and acknowledge that my payment was posted on an incorrect date in error, with the intention of it being made on the correct date. I kindly request that the {$970.00} in interest charges be reversed. I should not be held financially responsible for an error caused by a date discrepancy. 

I believe that Macy 's American Express Card values its customers and their loyalty. I trust that your organization will understand the significance of this issue and will take appropriate steps to rectify the situation in a fair and equitable manner. 

Thank you for your immediate attention to this matter, and I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX   XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$55000.00}, XXXX XXXX  Balance : {$20000.00}
Product: Debt collection

I am a XXXX veteran and have medical coverage through the VA. I told the collection agency over and over again that I did. They threatened to take me to court, take my house and take my XXXX check. The medical bill came from a trip to the XXXX XXXX XXXX XXXX room, in XX/XX/2018. They took my insurance information said I was covered, never billed me and now sent a {$2500.00} expense to collections.
Product: Checking or savings account

my wofe opened up an acoount and i have no acees to she told me inwasnt receiving any oney and come to find theres is money going into that account
Product: Checking or savings account

On XX/XX/XXXX my checking acct at pnc of XXXX was hacked and unauthorized charges begin coming out of my acct from XXXX. I do not own an XXXX nor have I ever. This wasn't caught by me until I received a low threshold balance on XX/XX/XXXX. Called the bank and many disputes had to be done because it was so many different charges from XXXX. Told me up to 10 days. On XX/XX/XXXX they took all money they did a refund which wasn't but XXXX dollars was TAKEN BACK OF OUT MY ACCT and I was denied. Didn't tell me why but said sounded as if all charges weren't reported considering the lady I spoke with over phone the day prior argued me down XXXX returned {$360.00} and it had been fixed and closed. That is along way from XXXX. She didn't seem to comprehend! I Was transferred and assured ALL CHARGES WOULD BE DISPUTED AND NOW I have to wait for another 10 to 20 days. Meanwhile, I have payments bouncing everywhere. The next thing I got was yet ANOTHER DENIAL LETTER. I added up what they disputed and what was charged... NOT the same total. No reason why. I've called stayed on hold to be disconnected after 2 and 3 hours! I called XXXX was informed without an original debit card they couldn't even look at it! The card was cut up and replaced on XX/XX/XXXX! Called the local branch a banker promised to look into yesterday and NEVER HEARD BACK! IM a single parent that lives paycheck to paycheck! I'm in bankruptcy and now I've been robbed of a whole check and PNC bank refuses to give me my money back. Is it my fault their employees can't do their job? If the case was they didn't get all charges filed so looks as if I did do some but not all? I have piles of late fees bounced fees and late on my bankruptcy and Nobody can tell me why I can't get my money back! It's been OVER A MONTH AND IM fixing to lose transportation to get my kids to school over something some XXXX XXXX XXXX  has done. I do NOT at this point feel comfortable uploading any of my documents online anywhere. I do have all of them!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Had a XXXX performed and never received the bills for service performed. Contacted provider about why we never received a bill. They had the wrong mailing address and sent the bills there. We were unaware that there were bills that needed to be paid until contacted by a collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I just received my credit report I noticed that you guys are reporting this account incorrectly this we'll figure it out but shows a past due balance of XXXX according to the FCRA , I have the right to an accurate credit report please remove this account from my credit report please provide me a copy of my new credit report reflecting this account upon the completion
Product: Credit card or prepaid card

I tried to log in to my Amazon Store Card Synchrony Bank and access my account but I was forced to agree to some online terms. There was nothing else clickable on their site to continue to my account except " agree ''. Then I was locked out of my account due to " we are having technical difficulties please try again later ''. This went on for weeks. I could not access my account online at all and I needed my balance to pay the card. The account worked fine the months before. Customer service wanted my to alter my computer settings to log in and I refused. No other financial institution that I do business with does this. Finally I was allowed to know my balance and the card was paid but I still have no access to statements, fees, alerts, settings, or balances! The same issues constantly happen when I try to log in, I am forced to click " agree '' then I get the same error stating THEY are having technical difficulties not me on my end.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns about Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit that has brought significant issues with the platform to attention. Despite having used Zelle numerous times and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions was out of reach. According to the CFPBs findings, Zelle has not only failed to protect its users but has also enabled repeat offenders to exploit the system, leaving consumers vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer safety. I have personally experienced instances where I trusted Zelle for secure transactions, only to face challenges when reporting fraud. Even after providing verifiable proof to my bank on two occasions, my accounts were closed and the funds were refunded to the fraudsters, despite the documentation I submitted showing valid evidence. I still have all documents and correspondence if needed.
Product: Debt collection

I am writing to express my deep concern and frustration with the way my identity theft dispute has been handled by your bureau. Despite providing clear evidence of fraudulent activity on my credit report, I have repeatedly been denied resolution. I have provided all the required documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that the accounts in question are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. This is unacceptable. I demand that you remove the following fraudulent items immediately from my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Please understand that I take this matter very seriously, and I am prepared to take all necessary steps to protect my rights and interests. I expect you to do the same.
Product: Credit card

CAPITAL ONE BANK USA, Acct # : XXXXAcct Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I became aware of fraudulent use of my Social Security number when I tried to conduct online business with SSA ; they used Equifax to check my identity. XXXX  and XXXX  both showed nothing wrong when I checked each of my reports out there just minutes later with using SSA website. I then proceeded to try and access Equifax website, when I went to create a MyEquifax account, the automated system to prove who I am showed credit account items from XXXX forward which did not apply to me, therefore I know it was fraud. The system booted me out and said call the 800-number. Did that, finally got somebody, they said send your Name, Address, Phone # and photo copies of your SSN and driver 's license to their Fraud Dept in XXXX, Georgia. Did that and today, XX/XX/XXXX, is the " 10-business Days '' deadline. 

Called them to see what's being done so that I can SEE the fraudulent accounts on my credit report and they give me the runaround. They have to 'verify ' my account information and are asking about credit cards that I've had in the past. Well, I don't know about you, but my memory isn't as good as it was AND I never figured on having to remember every little detail of my credit history in case of Indentity Theft. So I got nowhere. 

They said " Just wait to hear back from us. We don't have your photo copies uploaded to our system, so we can't do anything. Just be patient. ''
Product: Mortgage

Good Morning, Im writing to you in a complaint with Freedom Mortgage. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. I sent the letter from the county clerk office along with the letter from the VA. Unfortunately, due to all the medical bills I had to file XXXX XXXX bankruptcy. I sent a letter to freedom mortgage from my lawyer stating that the house was not part of the bankruptcy that I was still responsible for the mortgage. Freedom Mortgage took it upon themselves and put my account under bankruptcy. I now have no access to my on-line account. Also I have asked several time for my surplus of escrow and they have failed to respond. If there is any way you could help me get my access back and the money the Freedom Mortgage owes me from my escrow. Thank you for your time and attention. 


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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated on my credit file XXXX XXXX XXXX Balance : {$590.00} ; OAG CHILD SU XXXX Balance : {$34000.00} ; OAG CHILD SU XXXX Balance : {$42000.00} ; ATTYGENERL XXXX Balance : {$42000.00} ; ATTYGENERL XXXX Balance : {$34000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my Trans Union Credit Report # XXXX which is in response to my dispute to four accounts of XXXX   XXXX, XXXX XXXX, XXXX/ XXXX , and XXXX   that reflect INCORRECT payment history ( I had automatic payments ). As such, my financial integrity has been tarnished and I have been DENIED CREDIT due to these NEGLIGENT ERRORS!! Trans Union is just going thru the motions to " verify ''. If they did a proper verification, then these errors would be fixed since errors were fixed on XXXX!
Product: Credit card or prepaid card

I got a Best Buy card in 2017, I was offered for a 0 % purchases for 18 months so I got 2 articles, since I was told that I was going to finish my payments on time to avoid any interest. I set up my monthly payment at that moment and 3 years after I found that Im paying interest charged not sure when since Im not able to access the statement. I was not able to get information or any details when I called, I spoke to a supervisor and no information was provided so I havent used the card, Ive never received any statement or call or letter and I have a debt of XXXX in interest
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$110.00} Needs Attention XXXX  XXXX XXXX  Reported : XXXX XXXX, XXXX + {$280.00} Needs Attention XXXX XXXX XXXX   Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$110.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$220.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1700.00} Needs Attention XXXX XXXX   XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Needs Attention XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$19000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$18000.00} Needs Attention XXXX XXXX  Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$220.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX   XXXX Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention XXXX  XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

Last year, I began receiving fraudulent electricity bills at my address with my name and address from XXXX XXXX for a service address in a different city over XXXX hours away from where I live. I repeatedly called XXXX to try to resolve this problem but was brushed off and lied to. I spoke with customer service agents, fraud department, billing and collections and even the office of the CEO. I was told over and over again that there was nothing I could do because I was not listed as an authorized user of the account. They said I should not worry because they had another party listed as the account holder. They could not or would not look into or explain how my name had been linked to this account. I asked for my name and address to be removed from the account but was told I could not because I was not an authorized user of the account. I was assured that there would be no repercussions and that my name did not even show up on the main account information page. XXXX refused to investigate, refused to accept a dispute, refused to take a complaint over repeated calls for months. 
Finally, the account became delinquent and we began to receive notices from XXXX and then from a debt collection company. I immediately contacted the debt collection company, who were helpful. They told me that XXXX had sent them the account with only my name and address, despite the fact that XXXX had told me over and over that I was not responsible for the account and could not make any changes and that there was another person name listed as primary responsible party for the debt. In short, despite all of this, when the account became delinquent I was the XXXX held responsible for the debt. They also told me I needed to and was entitled to file a dispute with XXXX. I called XXXX to confront them with this information and threaten legal action through a complaint to the PUB. In response, XXXX now, finally, claims to be taking action to clear my name, remove my address from the account and send a cease collection notice to the debt collection company. I have yet to see proof of this, and they do not intend to send me any proof. I fear that this negligence and incompetence on their part will end with me having to pay a debt that is not mine in order to clear the record of this bogus debt now associated with my name and address. And even if they have taken action to correct this fiasco, I can not forgive the months of incompetence that preceded it. 
I want to reiterate that at this time, GC Services collection company is NOT in any way responsible for this, as they explained to me that XXXX sent the wrong information to them. I hope this will continue to be the case.
Product: Debt collection

This company is showing up on my credit reports as owing them a debt and in it's comments states that the debt was sold out to another company. I no longer have a contract with this company as they chose to sell it.
Product: Debt collection

Basically he contacted mother in law, when a home number was correct. Explain who he was, worked for,. This is in my husband 's name. Supposedly from XXXX. I asked for verification, says it was sent, explained mail carriers changed do n't have. I was in shock at time. Under impression not sending a validation. I wanted to call XXXX. Next morning realized we do n't have that account. Made demands to my husband had to be resolved by XXXX.