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

This complaint and the attachments need to be reviewed and responded to by management. 
I was upgraded to the Macy 's XXXX XXXX card in XX/XX/XXXX, included was an insert advising that if I charge {$500.00} outside of Macy 's by XX/XX/XXXX, that I would be eligible for {$50.00} in Macy 's XXXX XXXX. Originally, customer service clerk XXXX XXXX wrote on Macy 's letterhead dated XX/XX/XXXX, that I was not eligible for the promotion because I needed to either register through the website or call XXXX, THIS NUMBER IS FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I do not know what kind of XXXX  employees Macy 's employs, but this is a huge risk and embarrassment! The letter the clerk wrote and the promotional Macy 's credit card insert is enclosed. The insert has NOTHING on it even in the terms and conditions mentioning you need to call a XXXX XXXX XXXX to enroll your Macy 's XXXX XXXX card for a promotion!
Product: Debt collection

XXXX XXXX agreed to install cable internet service at my residence. They came to the residence, put up wires, but the service was never functional. I informed them of this fact, they told me the only thing I could do was pay the outstanding bill for a month of service and then they could come out for a service call. They have since sent my account to debt collection. This does not seam fair as I never had working service from them, nor did I agree to pay them for service that they attempted to install before it was working. There is no written agreement between XXXX and myself so I am at a loss to explain why they are sending my account to collections or even how it is possible to send an account to collections based off of the non-contractual relationship we have.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I received a guaranteed letter for a credit card of {$500.00}. Once they bring you to a " website '' for your approval, they take your information and then say you are declined and then try to get you to sign up for some other XXXX type of company. My girlfriend and myself are both subject to this. I now have a hit on my credit, I would be glad to share the misleading letter. It tells you your credit limit and everything. I have an approval from a much more reputable company, so I know my credit was good enough to get a card. I just want this off my credit and would like to be removed from their system. I would also like to know how they got my information. My personal opinion, companies like this should be held responsible for lying to consumers and effecting their life in such a bad way. I now have a credit pull and decline tied to my name because of them. Please help and please make them pay for their shady advertising tactics.
Product: Student loan

I was told by TimeMark Solutions Inc, that the reason that I was not qualifying for XXXX forgiveness was because I needed to have my loans consolidated and taken away from XXXX  for five payments of {$110.00}. However, after speaking to XXXX, this is untrue and I could have filled out the paperwork myself for free. The information was presented as if they all worked together for XXXX and they do not. TimeMark Solutions Inc. is a third party company that is getting over on people when I am already struggling to repay my student loans. The money paid to them could have been paid towards my loans. Is there any way that I can get my money back?
Product: Bank account or service

On XX/XX/2017 I deposit a check drawn on XXXX {$7000.00} into my TD Bank account. A few days later the funds posted and I attempted to make a withdrawal, the Teller informs me that the funds are on hold. I disputed and she investigated. The TD Bank Teller informed me that the funds had been reversed and that XXXX was not advancing the funds. I prosecuted the check writer on yesterday for bank deposit fraud. After reviewing my statement the {$7000.00} funds did post to my account but there was an unauthorized withdrawal in the same amount without my permission. Subsequently my account was closed. I want to pursue every remedy against the Bank to recover the {$7000.00} funds XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Checking or savings account

My account was closed due to fraudulent activities by Citi Bank. I was out of town and verified all activities but as soon as I deposited my check they closed my account and never sent me my remaining balance. And this has been going on since XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen app 2 years ago and I froze all my accounts including credit agencies. I unfroze temporality while applying for credit and Synchrony Bank denied me twice. Reason being they couldn't verify my identity. They will not give me a answer over the phone, and I have written a letter to them XXXX XXXX XXXX XXXX, Fl XXXX. 
XX/XX/2014 are the dates I need to know why this is happening. Credit bureaus can't help me but there is no problems with my credit, and I have over a 800 credit score. 
Thank You
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXXXXXX XXXX {$7800.00} XXXX XXXX XXXXXXXX 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 Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX {$7800.00}.
Product: Credit reporting

In XX/XX/XXXX, I called Macy to pay all balances in full through phone, and the Macy representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : XXXX, XXXX, and XXXX, I have found that my credit reports showed my closed Macy account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to Macy and requested an investigation to resolve the issue. In the letter, I provided Macy with full name and account number. 

On XX/XX/XXXX, Macy wrote me a letter to request me to send Macy the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to Macy to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested Macy to investigate. 

On XX/XX/XXXX, Macy responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how Macy came to that conclusion. 

I do not agree Macy 's conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with Macy tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since Macy is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request Macy to notify the XXXX credit reporting agencies : XXXX, XXXX, and XXXX to remove or delete the negative item on my credit report.
Product: Debt collection

In XX/XX/XXXX, my mother contacted Midland Financing offering to pay off the balance owed so that it would be removed from my credit report. She spoke to XXXX XXXX at Midland, who helped her arrange to pay 75 % of the balance. At that point, they said they would mark the account as paid off and have it removed from my credit report. My mother paid the 75 % and was told that it would be removed shortly. I did not receive any notification of when this would be. I also never received any documentation that the amount was paid, which Midland said that I would. When I checked my credit report in XX/XX/XXXX for a loan, I found out that the account with Midland was still on the report. I went to Midland 's website, where they gave me another person 's entire credit information with them. I had to call to get my own correct information. When I spoke to them on the phone in XX/XX/XXXX and XX/XX/XXXX, they showed that we paid the 75 % lump payment but not that they had agreed to discharge the debt. At least one person admitted on the phone to me that my account was so old that it did not have proper notes. When I spoke to them in XXXX, Midland said that they would do a self-investigation and let me know the results within 90 days. I waited. In XX/XX/XXXX, when I still had not heard from them, I contacted them via phone again ( as the website still showed the incorrect person 's account ). Unsurprisingly, they investigated themselves and found they acted properly. They still could not find the proper files for my account ( except for the amount owed ), so they referred me to their lawyers XXXX XXXX XXXX, who will not return my phone calls. Now Midland is calling me demanding the 25 % remaining that they were supposed to mark off. I do not feel, if I paid a portion of that remaining balance to discharge the debt, that they would accurately update my account information, per their own admissions regarding record keeping. While I myself might have dropped the ball, so to say, regarding harassing them to keep my information up to date, I certainly am not the one who lost records of an entire account being paid off.
Product: Student loan

I have submitted three separate complaints to Mohela about the status of my loans and PSLF eligibility. The file complaint case numbers are # XXXX, # XXXX, and # XXXX, respectively. I have been in service to this country for the past XXXX years, as a XXXX XXXX volunteer, an XXXX volunteer of XXXX years, and now as a XXXX XXXX. I want all my loans during this time to be eligible for PSLF payments. I have tried getting my loans out of forebearnce or deferrment status as that is a loophole Mohela likes to exploit to keep people from having qualified loan payments. I have faxed, sent formal complaints, and have called repeatedly to no avail. The last time I called trying to get in touch with a live agent, I was on the phone for XXXX hours and eventually had to hang up. I just graduated from grad school and my more recent loans have defaulted to grace-period status, without my consent, which is another status ineligible for loan repayment. Fafsa seems to have applied my recent IDR request for three of my loans but not the remaining four. I literally can not speak to a live person to rectify this and every other avenue is insufficient. This is malpractice and criminal conduct as a means to keep interest rates rising while simultaneously denying citizens the opportunity to have eligible loans. I am aware there are multiple lawsuits against Mohela, yet nothing productive seems to have changed in light of this.
Product: Debt collection

XX/XX/21 XXXX Trying to collect a debt thats not mines. 
Pursuant 15 USC 1692e. ( 2 ) ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

The other two credit reporting agencies, XXXX  and XXXX  corrected the XXXX XXXX XXXX XXXX negative credit reporting based on the same information that I sent Experian. EXperian failed to change my payments to " OK '', like the other two agencies, thus creating a lower score by more than 30 points in comparison to the other two credit reporting agencies. This is malicious and irresponsible behavior from Experian. There was data available, but they want to live by their own laws in the state of /california XXXX 
I want the months that Mention " ND '', to be changed to Ok and my credit score increased accordingly.
Product: Debt collection

Before entering the military, I, XXXX XXXX XXXX, attended XXXX XXXX XXXX in XXXX XXXX, Texas for 1-year. During that year I took out federal/student loan to pay for books and classes. After this school ended, prior to enlisting, me and my mother XXXX XXXX XXXX had called the company by the name of Great Lakes to set up a loan forgiveness program. We accomplished the plan of deferment of 1-year/ 12 months. After that period, we were to begin payments. After the year passed, no notifications were made of the amount that should be taken out. It wasn't until they threaten to garnish my wages and send the amounts into collection without my awareness. I wasn't able to contact the company via email without response. Neither could I call by cell phone because I have an overseas plan. After speaking with a legal representative, I was encouraged to send this email, and see how I could paid my debt.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$55.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$520.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$260.00} XXXX  XXXX Balance : {$650.00} XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Case Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX I am responding to your submission to the Consumer Financial Protection Bureau regarding my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I appreciate your efforts to investigate this matter, but I must assert that several issues remain unresolved, and I believe federal law violations exist. Truth in Lending Act ( TILA ) - Title 15 USC 1601 : Requires lenders to disclose key terms and costs of credit for car loans. I did not see that or a copy of my notice of my right to rescind. I request my downpayment FOR VIOLATION OF Title 15 USC 1605 ( a ) & ( b ) My downpayment was not factored in the finance charge as on page 4 that you sent. Fair Credit Billing Act ( FCBA ) - Title 15 USC 1666 & Regulation Z ( 12 CFR Part 1026 ) & Discrepancies in Balance ( Title 15 USC 1639 ) : The balance listed in the document you provided on XX/XX/XXXX said the balance was {$310000.00}, which is not reflected on my credit report. The balance of page 15 of the document you provided stated the balance was {$4800.00}. my credit report, published XX/XX/XXXX, proves your response about everything being accurate to be false : They all show inaccurate information published by XXXX, as stated in your response. Please see the highlighted portions. Regardless of XXXX preference, the Equal Credit Opportunity Act ( ECOA ) - Title 15 USC 1691 et seq. protects me from XXXX from continuously furnishing inaccurate information reflecting negatively on my protected class. Please provide the address from which the car was removed and the call to prove that my XXXXXXXX XXXX was non-deliverable and that I continued sending mail there. On pages 11 and 13 of the documents XXXX sent, the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, stated that XXXX had my car because I broke promises in our agreement. Please describe the broken promises in our agreement. Also, please provide the deal made between XXXX and me. Please see the three attachments : ( 1 ) confirming my identity, ( 2 ) from XXXX, ( 3 ) from me, with evidence of the fraud committed against me
Product: Mortgage

Bank of America is trying to charge me almost {$34000.00} of a line titled uncollected fees due on my payoff letter I received. They are claiming that I owe this money from a XXXX month deferral during XXXX. My principal never changed XXXX bit, and so this is all for an interest payment they claim I owe. I would like to file a dispute/complaint against this claim. I have been with Bank of America for almost 30 years, have done both of my home loans through them, and been a platinum member for more than a decade. this home loan in general has been nothing short of a nightmare. There have been multiple issues with BofA throughout this XXXX year process. Once the dust settles I will no longer bank with Bank of America, nor will I do any type of business with them anymore.
Product: Credit card

Request for Removal of Unrecognized Credit Inquiries I am writing to dispute and request the removal of certain credit inquiries from my credit report that I do not recognize or authorize. I have carefully reviewed my credit report, and I have identified the following inquiries that I believe to be erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Xactus-cp XXXX XXXX XXXX  I have no knowledge of, nor have I ever applied for credit with the mentioned creditors on the specified inquiry dates. As a responsible consumer, I take my credit report seriously, and I am committed to maintaining its accuracy. 

I kindly request that you investigate these inquiries promptly and, if they are indeed unauthorized or inaccurate, remove them from my credit report as per my rights under the Fair Credit Reporting Act. 

I understand that you are obligated to investigate the disputed inquiries within 30 days, and I request that you provide me with written confirmation of the results of your investigation. 

Maintaining an accurate credit report is essential for my financial well-being, and I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or documentation to facilitate this investigation. 

Thank you for your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've paid this account in full with acima credit but it's showing up a late payment which is not accurate and the truth in lending act section 15 u.s.c 1666b says 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 creditor has adopted reasonable procedures to ensure that each periodic statement including information required in section 15 u.s.c 1637a 1-9 of the truth and lending act I never received any of that information. If there's any rebuttal please send me documentary evidence 15 u.s.c 44 to support your proof of claim
Product: Debt collection

A person representing Central Credit Services, inbound call received from ( XXXX ) XXXX contacted relatives indicating they are a collection agency and have not been able to locate or contact me regarding an unpaid debt. Additionally, said correspondent indicated numerous messages had been left and I have failed to return the calls. Truth is, the countless call and messages were apparently left on my mother 's personal cell phone and home phone, not mine and may very well have exceeded the maximum number of attempts that can be made in a given day. Furthermore, while trying to intimidate an XXXX woman into disclosing additional information without success, instructed my mother to contact me and the representative of Central Credit Services would be in touch with her again later in the afternoon to confirm the message had been relayed. Besides the ethic standards by which this company operates, Central Credit Services through it 's employees have violated my privacy and at least XXXX sections within federal Fair Debit Collection laws, including section 804 ( acquisition of location information ) & 805 ( b ) Communication with Third Parties. Furthermore, Central Credit Services is representing itself as an agent on behalf of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've attached proof of Credco inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue Credco and enforce my rights under the FCRA if this information attached isn't removed from my consumer report immediately. Data furnisher 's ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. US Court of Appeals for the XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX XXXXXXXX ).
Product: Debt collection

Convergent Outsourcing is trying to collect on a XXXX bill that is not mine. They have reported the debt to XXXX and XXXX as a collection. I do not owe this debt and I have never owed anything. The debt is for XXXX.