23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a rep. of Macy 's Department Stores about resolving the error in reporting my payment to the credit bureaus and explained that it was not my fault that the balance of {$86.00} XXXX? ) was not paid on time. This balance was a Macy 's XXXXmerican Express Card account, which was offered to me by Macy 's because of my excellent record with their Store card. 
In the thick of the Coronavirus pandemic in XX/XX/2020 all stores were closed in the XXXX XXXX XXXX Metro area and so I could not go to any store to pay this balance. I called several Macy 's stores around to see if they had skeleton staff to receive payment by phone but no one picked up. I went online to see if I could pay but even Macy 's system did not work. I sent an email from their website to inform them that I could not pay because even their system was not cooperating. Macy 's sent me an email from their secure message box that they will send me an email when their response was available, see attached. They did not get back to me again and Macy 's stores were still closed until much later in XXXX XXXX. 

I received a statement in XXXX that I had a late balance and I quickly paid. Even the late fee was written because Macy 's stores were still closed in New York for months to come. I later received a letter in XXXX ( attached ) that I had been reported to the Credit Bureaus for paying more than 30 days late. I called and tried to explain to them what happened and that it was not my fault because coronavirus pandemic made all stores to be closed in XXXX XXXX Macy 's  website did not function properly and that I had a letter to prove it. They turned the telephone request down. 

On XX/XX/2020, I sent a registered letter to them attaching documents, viz., email letter from Macy 's (  attached ) and excepts from CARES Act 2020, and up till now I have not received a response. The last time I spoke with Macy 's, XX/XX/2020, I was told I will have an answer within a month but none has come. 

I had built my credit to an excellent level and had never had a late payment. And to have a late payment in the current coronavirus pandemic tarnish my image would be unfair particularly when it was not my fault since I had made attempts to pay within the payment period. Now I have taken a hit of more than 30-40 points in FICO. I would like their decision to be reversed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The situation is not entirely clear, but one thing is evident : the inquiry was carried out without my approval and was initiated by the creditor without my agreement. It is crucial to remove it promptly.
Product: Checking or savings account

back XX/XX/2023 branch manager for WesBanco XXXXXXXX have ask me out for a date night when I turn her down she start to make my daily banking transaction a nightmare refusing to cash an employee payroll check while funds were available in my account when the employee when to another branch the check was cash. On Monday XX/XX/2023, when I was trying to withdraw cash in a different branch in order to buy products from my restaurant Iwas informed that my accounts were closed. I have never received any notifications informed me with such actions. Now WesBanco is with holding my funds. after talking to the district manager, she cited my account was close for been overdraft. I have trying to explain to her that this was a retaliation from XXXX that fact that I have refuse to go out with her on a date. I was XXXX harassed and I was discriminated as well.
Product: Debt collection

Wrote letter on XXXX to XXXX XXXX that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised XXXX XXXX to removed incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from XXXX XXXX.
Product: Debt collection

Atlantic credit has called many times late at night and today ( XX/XX/XXXX) called my work a little after XXXX, which I believe is not allowed by law and also could get me in trouble and/or fired. When they call my cell phone they do n't leave any voicemail. They just keep calling. I wo n't answer 800 numbers because of all the scams out there. Then today I get a call at work and a letter at home stating they are going to send an attorney after me.
Product: Vehicle loan or lease

My lease is throu gh GM Financial. I t ook it out in  XXXX ,  XXXX . All payments have been made on time. At the end of  XXXX  i discovered a payment made on  XX/XX/XXXX  for  XX/XX/XXXX  due date was missing. I contacte d GM Financial an d they stated to fax in a copy of the cancelled check and remittance coupon which i did on  XX/XX/XXXX . I had n't heard back so on  XX/XX/XXXX  i called and was on hold for ove r 30  minutes. They said further research was required and would call me back. As  of 24 hou rs later I have n't heard back so I called again. As soon as i called the lady indicated rep yesterday was supposed to escalate this and she did n't so she will need to put me on hold and escalate this. I have {$75.00} in late fees that should be waived and I really hope this is not reported to my credit as late since i 've never made a late payment. I call them again and just put on hold. They cashed the check the day they received it, but getting them to apply to my account is much more difficult. There was a remittance coupon attached which showed my account #.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information from the account listed XXXX Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I called Credit Control Corp and explained that this account was opened fraudulently by my estranged spouse. This account was opened 2 days after I left for XXXX basic training. I could not have opened this account for myself. The address in which the internet and cable company was listed as my estranged spouses address. They told me on XX/XX/2019 that they were going to take care of this account. It still remains on my credit file. I attempted to call them on XX/XX/2019 and began speaking to someone and then was hung up on. I could not reach them after that time.
Product: Debt collection

I am filing a formal complaint against XXXX for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically its obligation to report only accurate, verifiable, and substantiated debts. XXXX is currently reporting a collection account in my name for approximately {$7000.00} related to an apartment lease that I was never legally or contractually obligated to. 

Facts of the Case : I was never a leaseholder. I never signed a lease agreement, was never added as a tenant, and never assumed financial responsibility for this apartment. 

I never agreed to this debt. My residence at the property was based on a private arrangement with existing tenants. No formal documentation exists linking me to any contractual obligation with the landlord. 

The collection agency has no record of me. When I contacted the agency reporting the debt, they were unable to locate any record under my name, address, or Social Security number. They even acknowledged that I was never a client and, therefore, could not provide validation of any obligation. 

Legal Violations : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit bureaus are required to : Maintain accurate credit reporting ( 15 U.S.C. 1681e ( b ) ) XXXX has continued reporting an unverified debt despite clear evidence that I was never contractually obligated. 

Conduct a reasonable investigation upon dispute ( 15 U.S.C. 1681i ) XXXX has failed to conduct a proper investigation despite multiple disputes, as evidenced by the fact that the collection agency itself has no record of my liability. 

Remove inaccurate or unverified information Given that the reporting creditor can not validate the debt, XXXX is in direct violation of its legal duty by continuing to report a false account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me in the amount of {$730.00}. ( account # XXXX ) A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires PHYSICAL verification of an original signed consumer contract and not an electronic or E-oscar verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records to which I have recieved verified as accurate without recieving the documentation that I have requested which is a violation of federal law.
Product: Payday loan, title loan, or personal loan

1st first Virginia is a loan place they have called and taken so much money for a XXXX loan they said its nothing I can do but let them take it the money the loan has been paid for its XXXX I have paid XXXX in interest. No one should ever go there Im so sad and sorry I used them for service! Please dont go to that place!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to CoreLogic Credco twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX, XXXX and XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by CoreLogic Credco
Product: Checking or savings account

I am a victim of identity theft. I have been living overseas for the past two years. When I returned home this month I attempted to open a domestic checking account and found that I could not because a Bank of America account had been opened in my name without my knowledge. I did not open this account nor did I live at this address this company has on file.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2024 Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Debt and Request for Validation Account : XXXX Dear Jefferson Capital Systems, I am writing to formally dispute the debt referenced in your communication dated XX/XX/2024 I do not recognize this debt, and I believe there is an error. 

It has come to my attention that the debt in question was sold or transferred to your organization. However, I have not entered into any contractual agreement with Jefferson Capital Systems or its affiliates regarding this debt. As such, I do not believe I am legally obligated to pay this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. Please provide the following information within 30 days : XXXX. **Proof of Ownership** : Documentation showing that you legally own the debt, including any assignment or transfer agreements. 
XXXX. **Original Agreement** : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt. 
XXXX. **Itemized Statement** : A detailed account of the debt, including the original amount, interest, fees, and any payments made. 

Furthermore, I request that all collection activities cease until this matter is resolved and the debt is properly validated. This includes reporting to credit bureaus, as well as phone calls and letters. 

Please be advised that if you can not provide the requested documentation, I expect the debt to be considered null and void. Any continued attempts to collect this debt without proper validation will be viewed as a violation of my rights under the FDCPA. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX  Balance : {$8800.00}.
Product: Checking or savings account

XX/XX/XXXX account debit card and account signer ID was stolen. I reported the incident in person at at Wells Fargo Branch the same day and was advised of several XXXX XXXX transactions totaling {$3400.00} and {$49.00} were pending on the account from that afternoon. I told the banker the transactions were fraudulent. The banker advised me that the account would be restricted and the debit card deactivated. A police report was filed in addition to placing a credit freeze on the signer 's SS # and a fraud claim was processed. We received a phone call on XX/XX/XXXX from an investigator who asked a few questions. On XX/XX/XXXX I went to my local bank in XXXX Colorado requesting an update and was told no one could give me information. On XX/XX/XXXX I received an e-mail advising the claim was under review. I called the XXXX Colorado Wells Fargo on XX/XX/XXXX requesting information and requesting a complaint be filed. I was advised someone would call me back. As of today XX/XX/XXXX - XXXX business days since the claim was filed I had not received any information- and no one from Wells Fargo contacted me to advise of the status of the claim or my complaint. I called Wells Fargo fraud Dept. who advised me the investigation was closed on XX/XX/XXXX and the claim was denied finding no activity of fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain fraudulent accounts from my credit report. As a victim of identity theft resulting from a data breach, I believe the accounts listed below were opened without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be promptly blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX. Creditor Name : XXXXXXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00}
Product: Payday loan, title loan, or personal loan

XXXX XXXX and I agreed for me to make 9 payments to payoff the loan and my title would be returned. I called XXXX XXXX XXXX XX/XX/18 stating I would be paying the loan off but would like my title to be available at that time. XXXX told me the title was in a location here in XXXX so it would take 3 days to get to them. A representative from phone XXXX called to tell me the title was mailed to the location on XX/XX/18. On this phone call the representative says the Title takes 7 days to get to the location instead of 3 days. This has been more frustrating and confusing getting my Title than XXXX XXXX sending it to the DMV. I assume the Attorney agreed because she did not call to let me know. I wanted to make one trip to payoff and get title. I started calling the XXXX XXXX location on XX/XX/18 - XX/XX/18 to check if title had arrived so I could take care of everything. I received several time frames and contradictory answers for the store. Since I felt the location was holding the title until I made the payment, I decided to payoff the loan today ( XX/XX/18 ). It was an issue to make the final payment with Debit Card so XXXX called someone to get an OK for me to pay with that method. Then later told the title wasn't there
Product: Debt collection

Hello! Im in shock that i have debt with companies that i never dealt with. Please stop posting wrong information on my credit report that really affects me and my family members. 
Account are XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recov assoc
Product: Credit card or prepaid card

In XXXX of 2018, my card was declined. When I contacted EPPICard   customer service, I was told that my account had been fraud suspended/closed and I would be able to order a replacement card as soon as the investigation was complete. Ive patiently waited, and called several times with no updates. I cant seem to order a replacement card and I am unable to access any of my child support payments for the past six months. Today, Ive spent over two hours on the phone with this company, and Ive yet to speak with anyone who can tell me anything. I have asked to speak to a supervisor and Ive been either hung up on, transferred back into the queue, or placed on hold. I cant seem to get any answers to my questions, nor can I order a new card to access my money that theyve not blocked me from accessing for over six months.
Product: Credit reporting or other personal consumer reports

I believe my information was leaked through several companies which expose my personal information which is a breach of contract and also against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I've been notified about an inquiry on my credit report from a mortgage lender. I have never applied for a mortgage in my life and this is definitely no exception. 

The company that made the inquiry is the following : CREDIT TECHNOLOGY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I look at their website but looks like a scam and their phone number doesn't exist. 

This is definitely an identity theft. 

Sincerely, XXXX XXXX
Product: Credit card

I have reached out to this company on numerous occassions, stating that this account does not belong to me and would like them to prove signed documentation or copy of my photo ID.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to TransUnion over six months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears TransUnion is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency.
Product: Credit reporting

There are a number of hard inquiries on my credit reports that I did not apply for. I was just made aware that I can dispute these. This came to my attention after XXXX suddenly appeared on my TU report twice for something that I do not remember applying for. The following inquiries I believe to be inaccurately reported. 

TU : XXXX XXXX/XXXX/XXXX, XXXX twice XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX : XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX I 've attached copies of my most recent TU and XXXX credit reports for your reference. I 've been trying to establish credit for myself, so you 'll see a good amount of inquiries listed. The only ones I believe to be inaccurate are the ones I 've mentioned above. If you have any further questions regarding this, please do not hesitate to ask. Thanks!