23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Someone tried to open a credit card under my name with Chase Bank on XXXX XXXX, XXXX 
I received the email that the application was under review, called XXXX and they cancelled it and sent me fraud protection information.
Product: Credit reporting 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 XXXX  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 correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I have spent the last five months trying to dispute a charge on a Macy 's credit card that I closed. Macys claims that I have a credit card balance of {$660.00}, which includes interest and late fees. These charges are fraudulent because I paid for the items upon which the charges are based in-store on XX/XX/2019. Despite the fact that I provided Macys proof of payment for these items, Macys refused to clear the credit charges, initiated harassing collection activities, and submitted derogatory reports to the three credit reporting agencies. 

I have been trying to resolve this matter with Macys since XX/XX/2019. Macys call records reflects hours upon hours of discussions where I try to explain to Macys representatives that I paid for the items charged to the credit account. Most recently. on XXXX XXXX, I spent over four hours speaking on the phone with various agents at Macys to settle this matter. The agents confirmed that their records show that I purchased XXXX and flatware from Macys in XXXX, Nevada on XX/XX/2019. On XX/XX/2019, I paid for these items directly at the Macys store at the XXXX XXXX XXXX in XXXX XXXX, Nevada. At that time, the Macys cashier effectuated the transaction by returning the items and initiating a new in-store purchase. Macys ' collections agents confirmed to me that the account statements reflect the return of the disputed items on XX/XX/XXXX, but Macys did not credit my account so the purchase amounts remain outstanding. I provided Macys with proof of my in-store payment on XX/XX/XXXX but Macys has not resolved the charges. The account is now closed but it remains in collection status and my credit score has been adversely impacted. There are miles of notations on this account and Macys records contain the information necessary to verify the disposition of the amounts in controversy. Despite all this, Macys refuses to resolve the charges and it has caused me real harm. 

To put this in the proper context, my mother died on XX/XX/2019. I am trying to refinance her house in order to keep the property within my family. I have been advised that the derogatory report submitted by Macys with respect this account has significantly reduced my credit score and created an impediment to the refinance. To reiterate, the items in dispute have been fully paid. The outstanding charges on the account are entirely fraudulent and a product of Macys ' ineptitude and lack of internal controls. Macys itself has all of the information necessary to verify the disposition of the charges, but it continuously fails to do so thereby causing harm to me. I should not have to suffer for Macys ' inability to reconcile charges in its in-store credit card system. Their controls were entirely inadequate to prevent harassment and harm to me even though I paid for their merchandise in a timely manner and in good faith. Moreover, Macys failure to resolve the billing dispute despite my numerous repeated efforts to provide explanations and information simply reflect the company 's bad faith and fraudulent and abusive practices.
Product: Credit reporting or other personal consumer reports

Good Day I am writing to dispute an unauthorized/fruadlent inquiry on my Experian credit report. I retrieved a copy of my credit report from your organization on XX/XX/XXXX and noticed a credit inquiry that I did not authorize. 
i want file fruad alert on my credit since too, i didn't file or /apply for any credit XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX BANK XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX CARD Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX BANK XXXX. 
XXXX date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to Delete addresses that I have never lived at
Product: Credit reporting

There are XXXX addresses that are incorrect. XXXX of them I believe was used for fraudulent activities. I 'd like the incorrect addresses removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX SERVICED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I contacted them about this account. I asked for any documentation with my signature. They said they would send me the information and I have not received it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have my security freeze removed so I can buy a car this weekend. My information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX
Product: Debt collection

Every week day for the past 2 week these people have been calling me every morning telling me they're collecting a debt for HRRG, but they call from a different phone number EVERYTIME and tell me to call this toll free number to get back to them. They won't tell me who the debt is for, they just state they need my credit info so they can take out what's owed but even then they won't tell me how much so I've stopped communicating with them. I reached out to everyone who I could possibly think of that might have submitted this debt and was told everything was fine. I just want these phone calls to stop.
Product: Checking or savings account

On XX/XX/2024 around XXXX I deposited XXXX $ into my account at a chase ATM the atm took longer then necessary and gave me a receipt that stated to verify you deposit went through, please call ( chase customer service number ). I called and he told me the my deposit did not go through and I would have to call in the morning to file a claim. On XX/XX/2024 I called and filed a claim about the ATM not depositing my money. Not even a full 48hrs later after being told it could take 10 days im being told they will not be crediting my account because whoever checks the ATM bank side is saying the ATM had no outages. I saw it with my own eyes when the ATM reloaded that it stated it would not be accepting deposits of any kind. How was there no outages. On top of that the customer service rep I spoke with said that he would reopen the claim and see if they can find extra funds in that ATM. Im sorry but why wasnt checking the ATM for extra funds not part of my original claim why did they not even bother to check and just decided not to credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a month ago, I disputed all of my Direct Loans with the Dept. of Education with all 3 credit bureaus, citing that they are too old to be on my credit report. After investigation was completed, I was told that the information was correct and would stay on my credit report until XX/XX/XXXX because last payment on loan was reported as XX/XX/XXXX. 
This is NOT correct. I believe someone is reporting false information just to keep this on my credit report longer. 
My Direct Loans originated from XX/XX/XXXX - XX/XX/XXXX. I graduated in XX/XX/XXXX. I made some payments while I was in school but I don't believe I paid on them after that. Maybe XX/XX/XXXX of XX/XX/XXXX because that was the last month that I got my G.I. Bill paid to me. But NOT XX/XX/XXXX. 

I just found a copy of my XX/XX/XXXX tax return and it shows {$0.00} claimed for student loan interest because I didn't make any payments in XX/XX/XXXX and that proves it. Even if I only paid {$10.00} in interest I would have claimed that because my income was so low. 
I remember claiming student loan interest in a previous year but I can't go back further than XX/XX/XXXX with IRS tax returns to see which year that was. 
All of my loans listed on nslds.ed.gov show {$0.00} for Cumulative Amount Paid. If they are going by the date they went into repayment status, ( XX/XX/XXXX ) that would be correct. I didn't pay on them after graduating. I also sent a Screen Shot of all my loans to Experian showing Cumulative Amount Paid {$0.00} which would make the Date Of First Delinquency XX/XX/XXXX. The loans should have been removed in XX/XX/XXXX. of XX/XX/XXXX from all credit reports but none of the credit bureaus will remove them. They like to pick and choose the bits of information that will keep it on your credit report longer and disregard everything else. Plus there are different dates reported as to when the last payment was received and when accounts were closed. How can the same entity report different dates if they have the paperwork right there in front of them? Plus Dept. of Ed shows different payment histories for all 3 credit bureaus. Experian shows Failed to Pay from XX/XX/XXXX and nothing before that. 
XXXX  shows date of last payment was XX/XX/XXXX and then red X 's for everything else. 
XXXX shows red X 's for XX/XX/XXXX forward. Nothing before that. Mainly they want to show what I didn't pay and incorrectly reported when I DID pay to keep it on my credit report longer. I know I messed up but I have paid my dues. They are wrongfully keeping this on my credit report longer than legally allowed. This is stopping me from getting loans for other things I need and they are ruining my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by me.
Product: Vehicle loan or lease

In XXXX of 2018 I called Chase Auto Finance to request a 60 day extension on my Auto Loan. Due to the the fact I was having a financial difficulty and I needed the extension not only to get caught up but to get some breathing room due to the past few months have been very hard on me financially. My spouse fell ill and has not been able to work leaving me the primary caretaker of our home and children. So prior to the call my reason was that and in XXXX of 2018 I was a victim to damage to my current car that I requested the extension on. I was driving down the highway and someone transporting bulk waste didn't tie down the contents and debris came and hit my hood windshield and undercarriage. I was not able to catch up to the car due to the accident it cause I had to pull over. So I have to pay for this out of pocket and the expenses are well over XXXX. This includes repairs and rental car and fuel. I just needed help. So I called Chase explained this to them today XX/XX/2018 I was told that I as eligible transferred to a specialist explained my position and was denied. Keep in mind my account has never been 30 days late ... I always pay between 7 - 17 days past due. I have never had a late fee until now and I have had this loan going on 36 months. I need help and I need my 60- day extension granted so that I can pay my loan
Product: Credit card

On XX/XX/year>, I received a text message claiming to be from Florida XXXX, alerting me of a balance due of {$19.00}. I followed the link and paid the stated amount using my Citi AA Advantage Platinum Select credit card, later realizing the transaction appeared suspicious. On the morning of XX/XX/XXXX, at XXXX XXXX, I called Citibank to alert them of the potential fraudulent situation ; at that time, the charge was pending. I was told no action could be taken until the charge posted. Had Citi taken action at this time, the following situation could have been avoided. 

On XX/XX/year>, I checked my account and discovered that my card had been charged {$730.00} in unauthorized charges on the day of XX/XX/XXXX across multiple states where I had not been. At XXXXXXXX XXXX on XX/XX/year>, I promptly reported the fraud and had my card canceled. I opened a dispute for these charges, as Citibank states and markets on multiple places on their website that customers have zero liability for unauthorized use of their credit cards. Later, I discovered despite cancelling my card on the XXXX, an additional unauthorized charge appeared on XX/XX/year>, in the amount of {$30.00} -- again from a location where I had not been nor received any benefit from the charge. This resulted in a total of {$760.00} in unauthorized charges on my card that occurred between the dates of XX/XX/XXXX and XX/XX/year>. 

On Tuesday, XX/XX/year>, at XXXXXXXX XXXX, I checked my Citi credit card account. I noticed that the " dispute in progress '' flag on the unauthorized charges had been removed. I called Citi for an update on the dispute resolution. It was at this time that Citibank told me that they were denying my dispute, citing that because I likely fell victim to a scam, I was liable. Had I not called, I would not have realized the dispute had been denied as Citi did not provide me with any timely digital communications or updates on the matter. 

According to the CFPB 's definition of unauthorized use, I did not authorize any of the {$760.00} in unauthorized transactions, nor did I receive any benefit from them. I notified Citibank immediately after suspecting my information had been compromised. Please see attached file demonstrating the unauthorized charges on my account, highlighted in yellow.
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the persistent errors in removing fraudulent items from my credit report. Despite numerous attempts to rectify this issue, the inaccuracies persist, posing a significant threat to my financial well- being and personal security. I initially reported instances of fraud, and since then, I have diligently followed the established dispute resolution procedures to rectify the fraudulent items on my credit report. Regrettably, my efforts have been met with limited success, as the fraudulent entries continue to tarnish my credit history. I insist on an immediate and thorough investigation into these matters. I demand the prompt removal of all fraudulent items from my credit report, as well as a comprehensive update reflecting the accurate and verified information. These fraudulent items not only harm my creditworthiness but also expose me to potential financial and identity-related risks. I trust that Credit Bureaus takes these concerns seriously and is committed to maintaining the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove the fraud items in my credit file 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
Product: Credit card or prepaid card

I opened the credit card account with Capital One on XX/XX/2013. Capital One is overcharging interest rates and interests amount on my credit card. I am paying {$37.00} per month on {$1700.00}, amount owed. I have tried to speak with Capital One about lowering the interest rate but the company has refused to work with me in any way. These excessive and abusive interest rates and amounts of {$37.00}, is causing me financial hardship. I have asked to closed the credit card but Capital One has refused to stop the interest charges of {$37.00}. I want to pay off the remaining balance without these excessive and predatory lending business practices. I am a XXXX American Veteran and a senior citizen, and can not afford these excessive charges. I am asking for Capital One, to allow me to close my credit card account, and pay just the balance of the account without recurring interest charges.
Product: Credit reporting or other personal consumer reports

CREDIT REPORTING AGRENCY DOES NOT HAVE THE RIGHT TO REPORT MY CREDIT WITHOUT MY AUTHORIZATION. WHO GAVE THESE CREDIT REPORTING AGENCY CONSENT. UNDER THE FAIR DEBT COLLECTING ACT THESE ARE THE VIOLATIONS.

THESE CREDIT REPORTS HAVE FALSE INFORMATION THAT I ASK TO BE REMOVE.

15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 USC. 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681g - Disclosures to consumers 15 U.S. Code 1681h - Conditions and form of disclosure to consumers 15 U.S. Code 1681j - Charges for certain disclosures 15 U.S. Code 1692k - Civil liability 15 USC 1692e - FALSE OR MISLEADING REPRESENTATIONS
Product: Credit card

Bank of America 's credit card processing organization processed a payment from my Bank of America account to make a payment to my XXXX XXXX account on XXXX XXXX. Bank of America lost the payment. I initiated an investigation into the payment that Bank of America lost on XXXX XXXX and was assured, by Bank of America, they would resolve the issue and find the payment they themselves processed. Meanwhile, on XXXX XXXX, the credit card servicing business transitioned to a new provider. As of today, XXXX XXXX, according to XXXX XXXX, the Bank of America rep with whom I spoke, Bank of America : ( a ) refuses to take responsibility for the payment they lost ; and ( b ) refuses to investigate the payment they lost. Bank of America appears to be angry at losing the Fidelity card processing business and now refuses any responsibility for the payment they lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the credit burrows for a while regarding these inaccuracies on my account they keep giving me automated responses I am a victim of the XXXX  data breach and have already filed my settlement with XXXX XXXX XXXX XXXX  already I'm requesting for Equifax to read my documents and reinvestigate this issue and provide proof of validation In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. My right was violated 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 USC 1681i ( 5 )
Product: Checking or savings account

On XX/XX/XXXX, I attempted to purchase 1 set of tickets from XXXX through my PayPal account and I was charged twice due to a fluke in the system. With my bank, I stopped payment on the duplicate amount. My account balance reflected negatively with PayPal {$430.00} and I disputed the amount with PayPal because of the duplicate charge and never receiving the tickets from the order. The dispute was won in my favor and Papal received the chargeback of {$430.00}. 

I have many transactions coming in and out of PayPal and I am unable to utilize my checking account as they have restricted it. I have been a customer with PayPal for over 11 years, since 2011 and I have used the same checking account that is now been blocked. I do not have repeat patterns of abuse and I can not even pay my upcoming bill with my checking account, which is due XX/XX/XXXX. 

I was advised to borrow money from a friend to put in my PayPal balance or link a new checking account in order to pay my bill. I have over $ XXXX-XXXX  worth of transactions going in and out of my account. This is an inconvenience and I don't appreciate it since I disputed the transaction and won. I don't believe I am treated fairly as I have been a customer for over 11 years and nothing like this has ever happened. I would like PayPal to reinstate my personal checking account so, I can pay my bills and conduct business. 

In addition, I have called a few times and no one at the company is taking a payment for my upcoming bill. This will cause late fees and ultimately a report to the credit bureau. I was not offered alternative methods for payment. Also, I have other bills coming out of my account connected to my checking account, such as XXXX, XXXX, XXXX, which is also connected to PayPal and those payments have been coming out with no returns for years. Please help me CFPB.