23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

As per FCRA XXXX, it appears that we need to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts seem to be inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 those account 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 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: Credit card

What Macy 's is up to with its collections and compounding late-fee practices does n't seem ethical to me, and hopefully will become illegal. 
After making about {$600.00} in purchases XX/XX/XXXX, I set up my monthly {$25.00} Macy 's payments set up with my bank ( XXXX XXXX ) to go out XX/XX/XXXX, three days before the due date ( XX/XX/XXXX ). 
XX/XX/XXXX I started getting five calls a day ( literally ) from Macy 's that my payments were late and I was behind! Say what?! 
I called XXXX to ask what the heck was going on. They explained that if XX/XX/XXXX fell on a weekend, as it had in XX/XX/XXXX, they wait until the following Monday ( or Tuesday, if a long weekend ) to send it. 
And because I did n't know about it and my next auto payment in XX/XX/XXXX did not include the {$35.00} late fee, Macy 's charged me ANOTHER late fee, so were not claiming I owed them {$70.00}. : - ( I unhappily paid the late fees and requested that XXXX to move the payment dates up by 2-3 days, to XX/XX/XXXX or XX/XX/XXXX. 
2-3 months later, more harassment calls from Macy 's started. Same story : XXXX late payments and compounding late fees. 
I called XXXX again -- the person I spoke with earlier at the bank had n't moved the pay-out date. I stayed on the phone this time to get confirmation as XXXX moved the date up to XXXX, a full week before my Macy 's payments were due. 

Out of principle, because their practice of charging late fees for unpaid late fees is so very wrong, I have dug in my heels and not paid the late fees. So although my minimal {$25.00} per month has been paid like clockwork each month since XX/XX/XXXX, Macy 's has continued to mount hundreds of dollars in late fees. 
My letters to the exec offices of Macy 's have done no good. They are intransigent about this practice, which to me, seems like extortion. 

I closed the account and told them I will be paying off my entire bill for the merchandise and interest, but out of principle, I that I will not be paying them their late fees. 
Please look into this, and press for reforms to any legal loopholes that allows Macy 's to take advantage of consumers in this way. 

Thank you. 
XXXX XXXX
Product: Debt collection

Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. Midwest Recovery needs to remove this account off my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.
Product: Debt collection

There XXXX issues regarding the medical debt collection company " Medical Business Bureau, LLC '' besides the fact the " Bureau misrepresents a government agency. 
1 ) I received a medical bill from XXXX, that is correct. The due date of this debt is XXXX XXXX, 2016. During the same time, I received a collection notice from Medical Business Bureau, dated XXXX XXXX, 2016 that they where attempting to collect a debt, and that the amount was assigned to them by XXXX XXXX before the actual due date of the debt. Please see attached documents regarding the bills looking at the dates. 
2 ) I received a negative credit report for a debt that did not belong to me. I negative report was furnished by " Medical Business Bureau, LLC '' I attempted to contact them regarding the debt, and they acknowledged that it was an error in there part, and that the notified the XXXX major credit reporting agencies. The issue with this is that this was not my debt, I was offered no time to dispute the debt, and the debt was reported in XXXX. Since the negative report to the credit reporting agencies, my credit score has dropped by a significant amount greater than XXXX points, and may possibly affect the APRs on several credit card accounts. Please see the XXXX credit report page XXXX. 

Since this issue has begun, I have used all the XXXX credit reporting agencies free reports, and will not be able to receive confirmation regarding any of the corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because my credit score has been negatively affected due to unauthorized credit inquiries. I never signed anything giving Citizens One Auto permission to run my credit.

My attempts to resolve this with Citizens One Auto have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX XXXX  XX/XX/2021 i was called on my personal cell phone with an activation code from Chime. Between XXXX XXXX  and XXXX XXXX  on XX/XX/2021 i received 6 text messages with a security code for my new account. The problem I NEVER setup an account with chime - i was in bed asleep when this happened. I called Chime at XXXX at XXXX and spoke to an agent. She was difficult and sounded uninformed on how to handle wrong account information or fraud. She told me i must PROVE that my phone number belongs to me, they would need my phone bill to validate. She was able to validate that my name ( XXXX ) is not the name on the account. The IVR recognized my phone number so there systems are aware i called from my phone number. Yet they refuse to help me stop fraud = someone using my phone number on there account ( weather it is an innocent mistake or fraud Chime should NOT be enabling fraud .. they should be working to investigate each call where a consumer is notifying them of possible fraud. instead i have been brushed off as someone is using my information. Chime is either to small to create a fraud team to escalate & investigate issues or concerns- or it does not care about keeping consumers information secure and taking steps to mitigate fraud .... I need my phone number removed from this account as it is NOT my account - i have NO financial relationship with Chime ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX  the bureaus have refused to open an investigation on the following cases. XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXXTransUnion and XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion and XXXX At this point the bureaus are in direct violation of the FCRA guidelines and have passed the time allowed to start an investigation . I am now requesting permanent deletion. Attached is proof of the disputes that I have sent for these accounts and also proof of my identity. I have attached my driver 's license and utility bill. Please considered this my written authorization. 

Thank You
Product: Credit card

I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

XXXX  XXXX XXXX card balance shows {$16.00} balance and credit limit shows {$3000.00}. Authorized user as of XX/XX/23. 

XXXX  XXXX  shows credit balance of {$8100.00} with credit limit {$10000.00}. 

XXXX XXXX shows balance {$240.00} opened on XX/XX/23.
Product: Credit card or prepaid card

My annual fee of {$95.00} for the United Explorer Card is due soon. Given that the card is a travel based card, with benefits being mainly just 2 passes a year to the United Lounge, I don't see how cardholders are being asked to pay the fee during this pandemic. We are unable to travel since XXXX of this year and in the foreseeable future. Other companies have been very flexible and have waived these fees, but Chase/United not only will not provide the policy where it says they can't do this, but have been extremely brash in their dealings over the phone. I have simply requested a copy of the member terms & conditions stating they are unable to waive the fee- they have outright refused to provide this. How can they be trusted when they are not providing documentation?
Product: Debt collection

they keep calling I have explained to them its my debt its not XXXX but they keep calling harassing me using threatening phone calls that will take everything I own seize my bank accounts, they keep saying just pay the debt its easier they keep telling I have told them to stop calling my cell phone but they do n't stop they keep calling from private numbers. 
They even called me this morning XXXX/XXXX/XXXX and once again I stated stop calling and XXXX XXXX said just breath since I know what happen in XXXX XXXX today to breath I told him to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete specific accounts from my credit report as I have recently been the victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am entitled to request the deletion of information resulting from such unauthorized access to protect my identity. 
Below is the list of items I request to be removed : 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: Debt collection

This account was paid in full when I returned the rental item. Also, I was never late. 
A notice was never sent. The company just put it on my credit report. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Please remove it from my credit report.
Product: Credit reporting

I have several XXXX XXXX XXXX accounts that were opened in XXXX and closed in XXXX. I always had a good payment history with XXXX XXXX. Recently I checked my Trans Union credit report and it showing negative reporting on my XXXX XXXX accounts. I would like this information to be updated correctly.
Product: Credit reporting or other personal consumer reports

Consumer Name : [ XXXX XXXX ] Consumer Social Security Number : [ XXXX ] Consumer Date of Birth : [ XXXX ] Contents of Complaint : I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Equifax , as a credit reporting agency, block certain information from my credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). The information in question is a result of identity theft and fraud. Specifically, I am requesting the removal of the following fraudulent entries : Auto Loan With XXXX XXXX XXXX XXXX * Opened On : XX/XX/XXXX * Account Number : [ XXXX ] Telecommunications/Cellular Account With XXXX XXXX XXXX XXXX On : XX/XX/XXXX * Account Number : [ XXXX ] These fraudulent accounts have also resulted in several hard inquiries and collections entries on my credit report, which are also a result of identity theft. 
Supporting Documentation : * A copy of the FTC Identity Theft Affidavit : [ FTC Identity Theft Criminal Complaint # ( XXXX ) * A copy of my XXXX credit report showing the fraudulent entries I do not recognize these accounts, collections, or hard inquiries, and I did not open, authorize, or initiate them. They are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed here have violated my federally protected consumer rights to privacy and confidentiality. Accounts : XXXX XXXX XXXX XXXX Is in violation of my rights. XXXX XXXX  XXXX Is in violation of my rights. 15 U.S.C 1681 SEC. 602 A states that i have the right to privacy. 15 U.S.C. 1681 SEC. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer agency may make any reports containing any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years. This is the previous dispute # XXXX to which transunion replied that the said account was removed from my credit file, however, the account is showing as an open account on my latest credit report.
Product: Credit card

Bank of America is the worst place for customer service and financial assistance. I had a call with a specialist in Bank of America to close my credit card account after I paid off my credit even though my financial difficulties according to the laid off from my employer. On the next days I shocked to see an interest fee and when I called to check what was the issue the answer was terrible and not logic at all. I knew recently that back of America did the same with a lot customers and now there is a lawsuit against this bank!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX credit reporting agency today X/X/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my XXXX  credit report however upon checking my XXXX XXXX account there is a history code with a number 1 next to it which means there was a late payment I resolved this issue with XXXX directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the XXXX rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " XXXX 's card '' I have 2 accounts with them. Another account is XXXX XXXX '' I also have 2 accounts with them as well. Another account is my XXXX/XXXX XXXX/XXXX  accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on XXXX 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a fraud alert from Experian that a credit inquiry and new account were opened with XXXX XXXX XXXX and XXXX XXXX . When I called to alert the dealership that this was fraud and I had not tried to purchase a vehicle, they found that another person with the same name as me purchased a car with them today. That person used all of their own information, but my Social Security Number. The dealer found that when they typed my name into their XXXX, my social security number auto populated in their credit application system. This is a dealership network that I had previously purchased a vehicle with, but in a different store.
Product: Credit card or prepaid card

After several returns, I informed XXXX Credit Card that my statement was not reflecting the credit returns for the items I have returned. They refused to investigate and look into the matter
Product: Prepaid card

They didn't properly investigate the charges. They didn't handle it professionally they credited my account for {$12.00} dollars for 12 transaction from ATM withdrawal the same withdrawal that I was disputing but couldn't refund the money that was took out from those transaction they refunded ATM fees for but I also have new documents proving they know back then about the fraud that was going on when it was occurring which I will upload for us guys to review
Product: Checking or savings account

As of XXXX XXXX Chime Bank closed my account after i reported unauthorized activity and my card was stolen along with my personal information the scammer was able to load there own bank card to my account in take money thats when i get a email on my account closure when i reported fraud on my account becuase my card was stolen in the scammer was able to accsess fund in take control of my chime account i have sent chime so many doucments trying to get access to my close account because i have XXXX in my close account they is sending me the same email saying the same thing send proof i am the account holder i have sent over 100 emails to XXXX and XXXX asking here is my closure check the account have been close more then 30 days they are not responding to me or concern or not trying to give my funds in my close account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received XXXX emails from XXXX persons from Zelle. I sent back a response email to cancel the transaction because I did not authorize it. 
After the second email, I called the phone number in the email XXXX XXXX XXXX and talked with a XXXX @ XXXX pm for XXXX min. Spoke with XXXX, because the call did not go through he first time. 
XXXX told me that someone was trying to send me funds and wanted to know the name of my bank. I told him that I would not give him that information. 
XXXX emails from XXXX XXXX XXXX XXXX email from XXXX XXXX XXXX I can send copies of the emails. 
I do not remember having a zelle account in my name.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. Please delete these accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 requesting proof in the form of an original signed contract that the attached accounts belong to me. I also requested a detailed payment history for each account to prove the reporting amount owed is also correct. I have not received any validating documents which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to all XXXX, TransUnion, and XXXX  to validate a XXXX XXXXXXXX XXXX debt they claim is mine. I have went through an Administrative Process with XXXX XXXXXXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. I am nervous that these credit agencies are just using the XXXX system to validate the debt, which I never gave consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes to Experian to no avail to remove accounts that do not belong to me. They are in violation of the FCRA. It is at this time that I will point out that in XXXX XXXX XXXXn, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.