23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit statement was set up for e-billing however, Macy 's American Express, for some reason did not have have e-mail address on file to send the bill. I confirmed this when I called Macy 's credit department. I discovered that they had put a 30-day late payment on my credit report through my XXXX XXXX notification, but Macy 's had n't tried to contact me in any other fashion. When I called them and asked what charges could be on my card they said there was XXXX charge in the state of Washington, a place where I have never been. They said on or around XXXX XXXX, 2015. I was in XXXX XXXX at that time. I have receipts to prove this. They added late fees even though I was never notified. If they had had an e-mail address I would have been alerted to the fraud. Now I have to wait 7-10 days before I receive a fraud report to send back to them. Macy 's says it will take 90-120 days for it be investigated, and another 90-120 days for this to be taken off of my account. Plus I paid the bill so it would n't continue to hurt my credit score. And I 'll have to wait 6-9 months before this is removed from my credit card account.
Product: Credit card or prepaid card

Back on XX/XX/XXXX I received a text alert on my phone from Discover credit card about a {$710.00} purchase that occurred at XXXX XXXX XXXX XXXX in New York. Immediately, I knew there was something wrong because I was at XXXX and the last time I had used this card occurred three days earlier. 

I contacted Discover about the fraudulent charge and I informed the representative that this was a purchase I did not authorize at all. Discover informed me I would not be held liable under any circumstances whatsoever. 

Well, weeks passed by and I noticed that I kept getting more mail from Discover than I should have expected about more information needed on my part about a fraudulent charge. Well, I looked at my Discover statement online on XX/XX/XXXX and it turned out that I would be liable for the {$710.00} due to the card being used at XXXX XXXX XXXX XXXX and that it was in the vicinity of my residence. When I inquired about this situation to the Discover representative, that person cocked an attitude and accused me of " avoiding his phone calls. '' I never was in XXXX 's on XX/XX/XXXX at the time of the purchase and I never had the card on that day. I had already disputed this transaction and I do not feel happy about this situation. What I thought was a one-off incident that should have been rectified in one day has been an ongoing struggle, and now Discover is refusing to re-investigate under any circumstances. 

Please, I need help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 informationisinaccurate.
Product: Debt collection

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 capital one XXXX all inquiries were not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX the missed payments was not corrected on the 4 credit reporting agencies still shows XX/XX/2021 missed payments..please correct asap.. 

Documents enclosed by XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was trying to open an account at XXXX XXXX but I was denied and they told me to call XXXX  XXXX  XXXX.When I reached out to XXXX, they explained to me about the attempted to transact with an account in a unauthorized and prohibited manner. I have no clue what they are talking about. It was 2 that they sent to me. This was with Bank of America that they stated I had an account with at the time.I 'm clueless to what their talking about and I'm trying to get this matter taken care of because I can't open up another bank account due to this reporting to XXXX XXXX XXXX. I'm looking to hire an attorney to see what's actually going on with this account. At the time, I was living in a alcohol and drug facility and i lost a lot of my personal information. 
My consumer ID # XXXX Bank of America I look forward to hearing back from someone soon. 
Thanks
Product: Debt collection

Commonwealth financial systems has reported me multiple times to various credit agencies ( negatively affecting my credit ). I received written notice and responded by mail within 30 data requesting additional information. Initially they said they never received my letter which is a lie because I had the post office track that it was received. I received a response that did you provide the information I requested. This occurred in XX/XX/XXXX and they removed the report with no communication and now again without written notification, they reported the same debt to credit agencies again on XX/XX/XXXX. I received written notification AFTER this debt was reported to credit agencies.
Product: Credit reporting or other personal consumer reports

Re : Demand for Debt Validation for Account Number : XXXX Dear Credit Corp Solutions Inc., I am writing to you regarding the above-referenced account number. I have recently been contacted by your company regarding a debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide me with full validation of this debt.

To be clear, I am requesting that you provide : Verification of the debt A detailed account statement and a complete payment history to substantiate the amount claimed. 
Documentation proving your legal right to collect this debt Copies of the original creditor agreement and any relevant assignment or transfer documents. 
Proof of ownership Evidence that you have been legally assigned the right to collect this debt, including a copy of the assignment or sale agreement from the original creditor. 
Until I have received this documentation, I do not acknowledge any debt to your company. Furthermore, I request that all collection activities cease and desist until this debt has been properly validated. 
If you fail to provide the requested information within 30 days of receipt of this letter, I will consider this matter resolved, and any further collection attempts will be regarded as harassment and a violation of the FDCPA. 
I am also informing you that any negative credit reporting that may have occurred during this period of dispute will be contested with the credit bureaus unless the debt is validated to my satisfaction. 
Please send the requested information to my address at your earliest convenience. I look forward to resolving this matter promptly and amicably.
Product: Credit card or prepaid card

From XX/XX/2020 to XX/XX/2020, CaptialOne extended COVID relief on my Venture One credit card payments, but still piled up on high interest rates. No penalty. 

XXXX to now, CaptialOne refused to extend COVID relief, and refused to work with me in lowering payments or interest like XXXX XXXX did. XXXX XXXX immediately offered me much lower interest payments on two of my credit cards with them to about 5 % interest with fixed payments of {$180.00} and {$140.00} a month, a very manageable payment for SIMILIAR debt load with Capital One. 

Despite repeated calls to their hardship department, they tell me they have nothing to offer me except excessively high payments ( $ XXXX {$600.00} a month ) without any reduction in interest. They readily acknowledge that I have been an excellent customer until this particular situation. 

They keep sending me emails offering " lower payments '' but with every figure I enter, it is rejected. As a XXXX, XXXX person, my financial situation is taking time to improve, and despite my repeated efforts to explain to them -- especially when other credit card companies are more forthcoming in reducing interest and payments, I feel that their actions are predatory. 

They are preying on people like me who have seen my financial situation take a turn for worse during the pandemic. And out of all credit cards, they are the only one I have not made a payment -- and their actions are now forcing me to consider bankruptcy protection.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient funds balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues using my Experian account to review my 3 credit bureaus. I pay a fee monthly for the service. Every time I try to refresh my information, I get the message it is unable to verify information with XXXX because it may have different information.
Product: Credit card or prepaid card

Please note that on XX/XX/2021 I lost my debit card ending in XXXX. I reported this to PNC Bank on XX/XX/2021, and I was advised to put a lock on my card which I did on the XXXX or XXXX of XX/XX/2021. Then on XX/XX/2021, I went into the PNC branch located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and I met with Mr. XXXX  XXXX who provided me with a new card ending and he advised me that the card ending in XXXX was cancelled. I discovered today that the card ending in XXXX was never cancelled and an unauthorized charge from XXXX for $ XXXXUSD posted 2x to my account in error. I can not get anyone to fix this. This is a terrible error and it needs to be fixed. Why this happened I will never know.
Product: Consumer Loan

XXXX Purchased a XXXX 2010 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Notified Chrystal Capital that I was on a Medical FMLADiscussed with Customer Service and it was agreed to do a defer to end of loan some payments.And i was to receive a Contract to sign and send back immediately but never received. 
Made several calls to Customer Service, since i received no call or mail from them on a update, To be told " Oh it 's denied ", and you ask for a reason and your told they never tell us. 
Then Customer Service, says pay more money and we will do it again. Same thing just on going " Denied '' No reason. 
Now, I have all these fees added and late charges and my Loan shows that I owe more money now then i even borrowed. 
My interest rate was to be per XXXX, XXXX i questioned before i signed @ XXXX, and was told XXXX. 
I called Chrystal Capital, one month ago cause things did not seem right a questioned my interest rate and they said XXXX. 
i never agreed to 21 percent on this SUV. 
they have the hole just getting deeper and deeper and i am seeing NO way out with Company. 
I need your help Please, I XXXX Chrystal Capital and read XXXX Complaints On Consumer Affairs alone. just, like mine and alot on other sites too.
Product: Checking or savings account

Around the first week of XX/XX/2022, Citi Bank allowed XXXX to debit my checking account for an unauthorized amount of {$100.00}.
Product: Credit reporting or other personal consumer reports

Equifax has failed to properly investigate my disputes regarding inaccuracies in my credit report. These failures align with my experience where Equifax has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit. I am requesting immediate corrective action to remove or amend the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY GOT A NOTIFICATION THAT THERE WAS A HARD CREDIT INQUIRY FROM XXXX XXXX XXXX XXXX ON MY CREDIT REPORT BEING REPORTED BY TRANSUNION. THIS INQUIRY IS INACCURATE AND THEREFORE IT NEEDS TO BE DELETED SINCE IT IS HURTING M Y CREDIT PROFILE. 

NAMXXXX XXXX XXXX XXXX  DATE : XX/XX/2022 ADDRESS : XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual PLEASE DELETE THIS UNAUTHORIZED INQUIRY FROM MY CREDIT REPORT.
Product: Debt collection

Hi Bk of America ; Why am I seeing incomplete, and unverifiable information ... ..I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of a derogatory mark on my credit report by my credit monitoring service. I pulled my report called the debt collection company and got the original debtors info. I called and found out it was a medical bill for my minor son who was living with his mother, my ex wife ( custodial parent ) at that time.

The medical billing department stated they billed me because I carried the insurance. The sent all bills to my ex wife 's address as that was the address they had on file. She never paid or notified me of any bill that came to her address. She signed the financial responsibility papers when taking him to the Dr . I gladly paid the billing department directly and was told before hand that it would remove it from my credit report. 
As I was never properly notified of the debt how could it be a late payment on my part? I am being punished by an error on the doctors office. Both the credit reporting agency, XXXX  and the collector. Debt Recovery Solution will not do anything about it after 2 appeals.
Product: Credit reporting or other personal consumer reports

Experian advertised a service to easily cancel subscriptions with their XXXX app. I installed it and attempted to use that service- you can not do this service without extra steps that save zero time compared to cancelling subscriptions yourself. In the process of signing up for this service, you are also basically enrolled in their basic membership tier, which begins to bombard you with bank and credit monitoring emails. 

There is no unsubscribe option for these emails, and there is no way to cancel this service online. 

Calling the customer support line results in endlessly looping and frustrating automated systems that seem designed to instill the customer with rage, which ends the call via the support robot. You can say " cancel membership '' and it responds with " okay now tell me why you're calling '' and the reason is literally " cancel membership '' which results in a loop - there is no way to proceed. Requesting to speak with an agent is similarly fruitless, and the robot explains that only limited circumstances allow that to take place, but you can not find out what those circumstances are. It is all transparently designed to result in failure. 

There is actually zero way to cancel memberships, as far as i can tell, and no way to delete your information with Experian. It is extremely malicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Hello, There are three collections accounts on my report that are reporting continuously incorrect information for years now. 

I have disputed each one with the credit bureaus and the companies and they still remain on my report. 

This has affected my quality of life and living. I can barely get approved for housing and car dealerships want an arm and a leg down payment. 

Please help, I don't know what to do. I think I am a victim of fraud and this is ruining my life. Also, the credit bureaus TransUnion and XXXX have reported an incorrect credit score to Lenders twice now.
Product: Debt collection

I keep getting calls from Creedence as well as my sons ( XXXX & XXXX ). 
They call us at least 2 times a day each for a debt that doesnt belong to any of us.
Product: Money transfer, virtual currency, or money service

My complaint is against the western union company, more than a year ago I have asked for the shipping history, which during the last five years I have done.This company has opened several cases, during which they ask me to fill out forms to send copies of my identification, which I have done repeatedly, after a few days they close the case, and then they open another arguing that the information is not complete, in the form they ask for my personal data, a copy of my identification and my address which I write on the form and it is also in the copy of my identificationSince 2020 I have sent the same form, without getting a response about my shipping history, I have a legal prosecution in my country with money that I sent for 5 years, which is why I need this history, the wester union company has ignored my petition, and it has made me waste time and money, I need your help to receive the information that I am requesting, I can not keep waiting and that wester union only opens and closes cases.
Product: Student loan

On XXXX XXXX, XXXX I got a student loan with Navient, which my father cosigned on. I have been making payments on this loan since then, which is 12 years, on time every month. My father passed away on XXXX XXXX, XXXX. So I let them know that he had passed, And they sent me a letter stating - That my cosigned student loan has been referred to XXXX XXXX XXXX to resolve the outstanding balance. They may attempt to contact the executor of the cosigners estate. If I provide a new, credit worthy cosigner for my loan, they can recall the account from XXXX XXXX. The promissory note that I signed provides that the loan may be declared in default and due in full if any borrower or cosigner passes away, however, they wo n't declare the loan in default as long as I continue to make regular monthly payments. 
My concern is that they sent it to a collection agency already, and it will be going on my credit report.
Product: Debt collection

All federal debt payment has been pushed to XX/XX/2021. 
Now i getting calls and emails and letters about how i need to make my repayments now, there was agreement on how I would repay. 
I apparently get informed that I am missing a payment, even they never contacted to establish a repayment plan
Product: Money transfer, virtual currency, or money service

I started a transfer from XX/XX/year> USD - XXXX USD PAYPAL FEE TOTAL XXXX USD from paypal now 12 days later still dont receive any of this money in my bank which last XXXX digit XXXX. They gave me an ARN XXXX number last XXXX  But as they told me its a ACH auto cleaning house transfer that ARN number can not trace my money. They didnt give me any ACH trace ID my bank need. Really confused as they promised they can transfer it maxium not over 7 days. Now 12 days. NEED ach trace id.
Product: Debt collection

This account were previously removed from my credit report ( s ) as a result of identity theft. This is now back on my account after theyve been purchased my a 3rd party debt collection agency ( s ) who now keeps harassing me.. The original creditor ( XXXX XXXX XXXX  ) deleted this account from my credit report on XX/XX/2020. I've recently been receiving collection calls, and mail from MIDLAND CREDIT MANAGEMENT. I'm not sure why they continue to contact me or report this inaccurate account on my credit report.