23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Summary of the issue : The order : Order # XXXX was not received by me. There are numerous reports online of issues with orders not being delivered but being marked as delivered by the carrier XXXX ( which Macy 's used to deliver this order ), which I suspect might have happened here. 

I believe both Order # XXXX and Order # XXXX were shipped together as one package but the entire package was not received by me. I have already received a refund for the non-receipt of Order # XXXX. But for Order # XXXX I have raised the issue twice now and I have been denied a refund by Macy 's. 

Timeline : Before XX/XX/2023 - I tried to mark item as not received thru Macy 's online account. Denied issue of credit. 

XX/XX/2023 - Phone call to Macy 's Customer Care to raise a non-receipt of item complaint XX/XX/2023- Inquiry submitted directly to the carrier XXXX. Details : Case number : XXXX Tracking Number : XXXX XX/XX/2023 - Second Phone Call for the same issue. Denied refund of credit. 

XX/XX/2023 - Email sent to " XXXX '' with subject " Non-Receipt of order number : XXXX. Final attempt '' XX/XX/2023 - Disputed charge thru Macy 's online portal with below details : Case ID : XXXX STATUS Open Amount : {$130.00} Date Submitted : XX/XX/2023 XX/XX/2023 - Received postal letter from Macy 's ( XX/XX/2023 ) resolving the dispute by refusing to issue a credit for the non-receipt of items after their investigation. 

No reply from the carrier " XXXX '' yet. 

Macy 's has not furnished me with any video or a photographic evidence that the package was delivered. Instead, on the letter dated XX/XX/2023 from Macy 's they have included a screengrab from XXXX of the item delivery, which can be easily falsified. 

Macy 's should also take into account of the numerous reports online of issues with orders not being delivered but being marked as delivered by the carrier XXXX, which is most likely to have happened here. 

I am attaching a report of XXXX reviews from online where numerous customers and a news report have all complained about XXXX. 

Macy 's should also look into my account history and verify that I have been a customer for many years and not a single time was a dispute raised with them except for these items marked as delivered by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy showing up on my credit report that is not mine. Equifax continues to say they have verified this information with XXXX but XXXX has already removed this bankruptcy from my file yet Equifax keeps saying they've confirmed it with XXXX. I've included the Letter showing XXXX has already removed it and this shows Equifax is not checking or doing their job to verify this. This Bankruptcy needs to be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and Equifax about inaccurate information being reported on my credit report on XXXX from XXXX management services. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit report immediately.
Product: Debt collection

XXXX XXXX is charging me for {$5900.00} for a XXXX phone i never had. Someone stole my personal info and use it in XXXX Tx. Ive never been to Texas, dont know anyone from there and NEVER had a XXXX phone in my life. I summitted to them my proof of residence in the state of Florida for the past 31yrs of my life but the charge is still showing on my credit report. I need that removed as soon as possible.
Product: Debt collection

I have been dealing with a XXXX agency for over 3 years with lack of their support. 
Professional account management LLC ( P.A.M. ) XXXX XXXX XXXX WI XXXX phone XXXX XXXX XXXX. 
My XXXX tolls based in XXXX XXXX CA assigned this to Professional Account management for uncollected tolls. { professional Account Management has placed an lien for tax interception with the California Tax Franchise tax board. I have supplied documents via a stamped abstract of tolls cleared with XXXX to professional account management. They refuse to inform the California Franchise tax board. I have sent them certified mail, called them numerous times and holding for hours. It seems they intend to intercept my tax refund again as this was verified by the state of California even though there is no debt. They have been unresponsive and seems criminal to collect money fraudulently since they have been notified the debt is settled and they refuse to work with the franchise tax board to  straighten this matter out. please advise what action I can proceed with to stop Professional account management defrauding me and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report properly investigated because their are accounts that have been open fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have no knowledge of any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am affected by the Equifax security breach. There is potential that my SSN, DOB, full address, and DL number have been stolen. 

I was not notified by Equifax about this security breach. I found out about the security breach today, XXXX XXXX, 2017, via social media.
Product: Money transfer, virtual currency, or money service

Someone hacked into my online account and used Zelle to make two payments of {$410.00} each to an person or company unknown to me. This was fraud. using my online XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

To Transunion located at TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX To Transunion I am writing this to formally dispute inaccurate information on my credit report that has been reported to your agency by XXXX XXXX XXXX # XXXX which is located at XXXX XXXX XXXX XXXX Texas I am also disputing inaccurate information XXXX XXXX acct XXXX XXXX located at XXXX New XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX 

XXXX XXXX XXXX XXXX # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX and the last account is XXXX XXXX XXXX XXXX XXXXXXXX. I have noticed all of these have inaccuracies. 

This inaccurate information has negatively affected and impacted my credit score and caused me hardship by making it difficult to obtain credit and also rent a home for my family. This has caused me great distress both physically and mentally. 

Under the FAIR CREDIT REPORT ACT 15USC1681.i, I am exercising my right to dispute inaccurate information in my credit report. I request that you promptly complete a thorough procedural investigation and take the necessary steps to correct this inaccurate information. I expect a written verification of the corrected information within 15 days of this letter. Failure to investigate and correct this inaccurate information within 15 days will result in me being forced to take legal action and perusing damages which include {$1000.00} per violation of my consumer rights per federal law. 


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

ExperianXXXX  reports inaccurate and false information here are the following : XXXXXXXX XXXX XXXX TWO ACCOUNTS : LAST REPORTED XXXX XXXX AMOUNT OF {$720.00} XXXX AMOUNT OF {$2600.00} XXXX XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX U.S DEPT OF EDU ACCOUNT # XXXX XXXX {$2100.00} XXXX {$4200.00} US DOE ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX  XXXX for the account number XXXXThe late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and I firmly believe this is inaccurate for the following reasons : 1. I have always made my payments on time, apparently they have administrative errors 2. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries do not belong to me and tried multiple times to remove them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX. Navy Federal Credit Union ( NFCU ) : {$25000.00} - Opened XX/XX/XXXX / Account Initially reported closed on or about XXXX of XXXX XXXX. Navy Federal Credit Union ( NFCU ) : {$21000.00} - Opened XX/XX/XXXX / Account Initially reported closed on or about XXXX of XXXX Both loans were reported as instances of identity theft and fraud in or around XX/XX/XXXX, following collection calls regarding the accounts. I subsequently filed multiple disputes with all major credit reporting agencies, providing police reports and other supporting documentation to substantiate my identity theft claim. Despite this, the creditor, which is also my primary bank and mortgage holder, seized funds from my accounts and applied them to these fraudulent debts. Furthermore, the creditor appears to have re-aged the original closing dates of the fraudulent loans to XXXX, potentially to prolong the negative impact on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act .... XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acc # XXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy. 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a ftc report on XX/XX/XXXX but there is still one account that Equifax have not removed which is XXXX/XXXX. There are also a few inquires that I do not recongize on my report from XXXX  XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

I am submitting a complaint regarding XXXX XXXX and Portfolio Recovery Associates , LLC for inaccurately reporting a fraudulent debt on my credit report. This account was opened without my authorization, as my personal information was compromised in the XXXX data breach. I respectfully request that the CFPB assist in ensuring that this fraudulent account and related collections are promptly removed from my credit reports with XXXX, XXXX, and XXXX. 

Account Details : Original Creditor : XXXX XXXX XXXX XXXX : Portfolio Recovery Associates , LLC Reported Balance : {$400.00} Reported Delinquency : XX/XX/year> Issue Summary : 1. Fraudulent Account Creation : This account with XXXXXXXX XXXX was opened fraudulently due to the XXXX data breach, during which my personal information was compromised and used without my consent. 


2. Collection Activity by Portfolio Recovery Associates , LLC : Despite this account being unauthorized and fraudulently created, Portfolio Recovery Associates , LLC is reporting a balance of {$400.00} and listing the account as delinquent as of XX/XX/year>. Their continued reporting of this fraudulent debt is damaging to my credit and personal financial standing.

3. Previous Reports of Identity Theft : I have previously reported this fraudulent activity to the Federal Trade Commission ( FTC ) and notified both XXXX and XXXX XXXX of the unauthorized account. However, Portfolio Recovery Associates , LLC continues to report the account as a valid collection, ignoring the documented evidence of fraud and identity theft.

Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the fraudulent nature of the charges, I am requesting immediate removal of this account from my credit report across all three credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

kinsmith finance has been sending my info to people in the state of XXXX there is no reason why my information should be at someone house in XXXX my ex wife got a email on XXXX saying they got a letter from you people and also my rights have been violated i told u guys to stop all communication with me and my references but yet you still communicate with me which is against the law so again my lawyers will be in touch i can't do anything for u and also a copy of this letter and all correspondence showing i told you guys to stop all communication and proof showing my information was sent to texas and proof showing i live in state of XXXX  to XXXX XXXX attorney general office
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all inaccurate information - see attachments delete all accounts & inquires listed below FCRA VIOLATION XXXX XXXX {$14000.00} Closed 8 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$14000.00} {$31000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$83.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX {$3000.00} - Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1600.00} Balance updated XX/XX/XXXX FCRA VIOLATION Delete the inquires below - see attachments XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a dispute that there was duplicative and incorrect information that was contained in my report. In doing so I send a long list stating that some of the addresses did not include unit numbers for my address and the inclusion of seven copies of the same address is confusing. They sent a response and stated that they reached out to the furnished and confirmed the reported information but did not detail how my dispute went rather just stated their general process which is not helpful in my case.
Product: Debt collection

I have a fradulent XXXX charge in my name. 

I have been trying to dispute with the credit agencies, XXXX has reflected the charge was fradulent. XXXX is telling me the charge is legit, though it's not. 

I have called the debt collector numerous times telling them the charge is fraud and they do not mark it so. 

XXXX and Global Radius solutions are messing up my credit.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 antedat

es 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 info
rmation is inaccurate.
Product: Student loan

My husband XXXX XXXX was approached by a family member to cosign on student loan. He agreed to help.They were given paperwork in which to pre-qualified for the loan but never came back with any documents for him to sign. They signed the documents themselves and went on to do a second loan signing the documents themselves. We are now being asked to pay when they don't pay. Discover was the company that did the financing. They sold out to XXXX even though they informed XXXX that the loan was a fraud they still will not remove XXXX XXXX from such obligations. Please help.
Product: Debt collection

I notice unauthorized inquires on my credit report that I didn't authorize.
Product: Checking or savings account

I have had a checking account at Chase bank for 3 years. I have been a good customer. Never overdrafts. On XX/XX/2021 I deposited a check for {$22000.00}. The clerk informed me within 5 seconds of me handing her the check that it was going to be put on hold for 10 days. She or anybody at the bank did not give me any explanation. As I understand it, that is not legal or policy. I have called Chase 4 times on XX/XX/2021 and got nowhere. They just put me off to another department. 
I also want to file a XXXX discrimination complaint against Chase. It seems that anybody with a XXXX name in Texas is an ilegal alien or a drug dealer. That is the treatment I received. I happen to be a XXXX  for XXXX  years and a USA CITIZEN for all my XXXX  years of life. I was born American and proud of it. Of course Im closing my account at Chase.
Product: Credit reporting

I have been a capital one customer since XX/XX/XXXX with my platinum credit card that i just paid on XX/XX/XXXX and my credit reflects a late payment and a balance which is already paid off in the sum {$260.00}. my credit report is negatively reflected even though i have proof from my bank that i made the payment and they accepted and my balance should be {$0.00} but sadly it does not reflect that. i am trying to apply for a mortgage and i am unable to get approved due to incorrect information reported on all XXXX credit reports. please fix error to reflect {$0.00} balance with Capital one credit card under my name XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with this for a long as I started looking at my credit since XXXX. My mother had the same name as me. Her information always came on my report. Her past employment. Addresses. Social security numbers and collections. Every time I dispute it they delete and the next day another thing of hers is on my report again. I sent out letters and my picture ID 2 weeks ago to all bureaus and lexis nexus. Yesterday XX/XX/XXXX after I disputed addresses that belonged to her and her married name showed up on my reports. This morning my report updated that my oldest account was XXXX XXXX XXXX an education loan taken out in XXXX. I was born XXXX. Every time they delete something it comes back. I was denied a mortgage loan because it's a mess. I filed for identity theft end of XX/XX/XXXX. I put fraud alerts on my reports. XXXX I sent pictures of my social security and license to XXXX. It just keeps happening.
Product: Student loan

In XX/XX/XXXX, my online Navient account advised that I didn't need to make a payment till XX/XX/XXXX. No reason was given. To be clear, I didn't ask to delay payments. In fact, I have previously exhausted my ability to do so. When a resumed payments I noticed my " estimated payoff date '' changed by THREE YEARS. It went from sometime in XX/XX/XXXX to now it's XX/XX/XXXX. I believe it was those two " don't have to pay '' months. 

My loan started in XX/XX/XXXX. How in the XXXX can it take 28 YEARS to pay off? Stuff like this is the answer. Navient has failed as a loan servicer provider, as their mission is to keep people paying as long as possible so to collect as much fees as possible. Horrible communication and shady actions, such as what I described above are their hallmark.
Product: Credit reporting or other personal consumer reports

Hello, i recently tried to obtain a copy of my credit report, but its completely blank. i spoke to a representative and he advised me to provide my current address. However, the call was disconnected. Im simply asking for an update to the appriopate address that should reflect on my credit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

The collection agency is Hunter Warfield collecting for XXXX XXXX XXXX XXXX, open XX/XX/XXXX. 
We moved from this complex on XX/XX/XXXX. We got our keys to our new apartment & moved out that day. I had paid my rent in full in XX/XX/XXXX, & shouldn't pay them for XXXX. They claim we owe them partial rent. I believe, the management agency is angry because they wanted us to move out of our apartment to another building in their complex. There was an entire family group living in the five apartments in the building and they wanted our apartment also. Even though we had been living in the building before anyone else moved ... over 8 years. My husband & I decided to leave the complex and not take another apartment because of the racial harassment from tenants & management. We left the keys in the management 's night box. If anyone was staying in the apartment it was not us. 
I asked Hunter Warwick to send us information regarding this matter. I have not received anything from them. However, our credit report collection data is being increased annually.
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my XXXX credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act ( Credit Collections ) ( Account # # # # # # XXXX ) has violated my rights. 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

MY SON AND I SHARE THE SAME NAME AND HE HAS A HOSPITAL BILL FOR {$590.00} UNDER COLLECTIONS. XXXX AND XXXX ACCURATELY HAS MY SON IN COLLECTIONS BUT EQUIFAX PUT ME IN COLLECTIONS INACCURATLEY. I CALLED EQUIFAX MULTIPLE TIMES ON XX/XX/year>, XX/XX/year> AND XX/XX/year> AND SPOKE WITH TWO DIFFERENT SUPERVISORS AND NOTHING GETS RESOLVED. THEY SEND ME LETTERS STATING THEY INVESTIGATED THIS ISSUE AND ITS ACCURATE. I ALSO CALLED THE COLLECTION AGENCY XXXX XXXX AND XXXX A COUPLE OF TIMES AND THEY VERIFIED ITS NOT MY COLLECTION AND IT BELONGS TO MY SON. MY SON AND I EVEN CALLED THE COLLECTION AGENCY ON A THREE WAY CALL TO VERIFY SOCIAL SECURITY NUMBER AND DATE OF BIRTH.