23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing this complaint regarding ongoing billing discrepancies and unauthorized charges associated with my closed Macys credit card account ( last four digits : XXXX ). 

Issue Summary : I closed my Macys credit card account on XX/XX/XXXX ( attached proof of closing ). 
The remaining balance was fully paid in-store on XX/XX/XXXX ( attached receipt from the XXXX statement ). 
Despite this payment, Macys still attempted to charge my previously linked checking account, which had already been closed. This resulted in a returned payment and subsequent fees and penalties on my XXXX statement. 
Since the Macys credit account was closed, I did not have online access to review statements, nor did I receive a physical statement, making me unaware of the issue. 
By XXXX, additional fees and interest had accumulated, further increasing the outstanding balance and negatively impacting my credit score. 

Actions Taken : Upon discovering the issue through a credit score drop, I immediately contacted Macys credit card support but was unable to reach a representative for resolution. 
Concerned about further credit damage, I paid the outstanding amount again via Macys phone payment system in XXXX ( attached proof of transaction ). 
Despite this, I later discovered a new payment due on a subsequent statement, which was unexpected and unjustified. 
On my most recent attempt to resolve the issue, a customer service representative was on the call for XXXX XXXX but was unable to answer my questions. The call was then disconnected without resolution. When I attempted to call back, I was placed on hold for XXXX more XXXX with no further assistance.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased two shore excursions from XXXX based in XXXX, Wi to be used on a XXXX XXXX while visiting XXXX XXXX on XX/XX/2020, and XXXX, XXXX on XX/XX/2020. These were each paid in full {$230.00} for the XXXX XXXX excursion and {$240.00} for the XXXX excursion. Each was paid with my Barclay Card account ending in XXXX as shown on the attached copy of my billing statement ending on XX/XX/2020. 

At that time XXXX had a published policy that stated that a Shore Excursion could be canceled at any time prior to departure and a full refund would be issued. A short time later XXXXXXXX XXXX canceled the cruise due to COVID-19 travel restrictions in the U.S. and XXXX. 

I contacted XXXX via email and requested a full refund as outlined by their published terms. I did not receive a response to my request until XX/XX/2020, when I was contacted by email ( attached ) and offered the ability to re-book the excursions to a later date or receive a Gift Certificate for a future booking but no refund despite their published terms. 

I responded to them via email on XX/XX/2020, rejecting their offer and reminding them of their published terms. I waited approximately 60 days and did not receive any further communication from XXXX. 

I then contacted Barclays and filed a complaint online about these transactions. Several months went by and I finally received a letter about Case Number : XXXX dated XX/XX/2020, in which they stated " Due to the length of time that has passed since the charge posted o our account, we are unable to take further action on this disputed charge. We encourage you to continue to pursue credit by contacting the merchant directly. '' That letter did not contain any information on how the file an appeal to their decision. 

I continued my attempts to contact XXXX as suggested by Barclays by phone and email. All phone numbers on their website either rang but with no answer or were disconnected. My emails went unanswered. 

Today, doing further research I discovered that XXXX has been placed in receivership owing 4.76 million in customer deposits for trips that have been canceled. It appears that this company took money that I and others paid them for excursions and never passed those funds to the excursion vendors who provide the excursions at the ports. I would expect that would be a criminal offense. ( copy attached ) I believe that Barclays has failed to protect the Credit Cardholders from merchants who have either acted in bad faith or have broken the law.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX OF 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: Debt collection

On XX/XX/2018, I sent Portfolio Recovery a cease and desist letter that was signed XX/XX/2018 via certified mail. 

On XX/XX/2018, I sent Portfolio Recovery another letter that was signed on XX/XX/2018 via certified mail because they were still reporting collection activity to all three Credit Bureaus. 

Portfolio Recovery, have not been in compliance and this is a violation of the FCRA and FDCPA. Please see attached evidence
Product: Checking or savings account

I disputed transactions from XXXX XXXX with USAA for my checking account. 

USAA has multiple times, provided temporary credits and then reversed without proper explanation. XXXX was allowed to then debit my account even after dispute and stop payment filed. 

USAA processed transactions out of sequence to include temp credit reversal which resulted in negative balance in my checking account. 

I attempted to get information on the reversal on XX/XX/XXXX prior to it occurring or even change the date and was told nothing could be done. This is set to happen again on XX/XX/XXXX with another reversal
Product: Credit reporting or other personal consumer reports

Hard inquiries from XXXX  XXXX on XX/XX/2024 Called XXXX to get it removed but they didnt help, I want these inquiries to be deleted on XXXX, XXXX XXXX and Equifax I did not authorize these companies to run my credit report, under the USC 15 Section.
Product: Vehicle loan or lease

I have disputed this information before by requesting documentation and have not received a response. I have paid off this lease and have received the title for the vehicle. My credit report shows lease paid off but they are reporting it 120+ days past due. THis is what I have requested documentation of but never received.
Product: Credit card or prepaid card

A credit card was opened under my name. I did not authorized the credit card from DISCOVER BANK neither any consent.
Product: Student loan

I have loans with FedLoan. I requested a new repayment plan beginning XX/XX/XXXX. I have called every month requesting information regarding the status of my loan. I was told that they were having trouble processing applications due to the amount of requests. But during this time I had to place my loan in to forbearance, gathering interest. I called back again and they told me that it was processed but I needed to take further steps. I completed these steps and the representative told me that I would receive something in the mail with in a week. I called back again and was told that it would take one to two billing cycles to complete. I had to extend my forbearance again. I called a month later and again was told that it would be another month before I could make a payment on the new payment plan. I was informed by this representative that I was misinformed by the last representative I spoke with. It has been four months since I first submitted my request, and have been told that it could be two more months before I start payments. That would be approximately 6 months of interest being gathered during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is trying to collect on behalf of XXXX XXXX  XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Things XXXX. When I check my credit score through XXXX, my score is 644. Factors include two late payments. This summary also shows three times as many inquiries. The information is coming from Experion. I have checked Experion, XXXX, and XXXX and do not see any late payments. 
2. I have made several inquiries into getting a home equity loan or line of credit. it is my understanding these types of inquiries do not count against you. If that is the case, why has my score decreased by more than 50 points?
Product: Credit card

The complaint I previously submitted for Amex XXXX, claiming that they are holding me responsible for {$22000.00} of fraudulent activity on my card ( including late fees and penalties ) APPEARED to be closed and ruled in my favor on XX/XX/XXXX. I received an email from Amex ( attached ) stating that the case was CLOSED and the whole amount ( including fees and penalties ) was returned to my card, which it was. It was only today on XX/XX/XXXX when I received the companies response to my complaint that I read they were 'investigating ' the charges still and in fact, the case was not closed! I am lucky I read it carefully because it appears Amex was covering their own bases by telling both you the CFPB and I, that they have decided to do the right thing and not hold me responsible for the charges. 
This is not true and on the VERY SAME DAY they reopened the case for the FULL AMOUNT under a different case # XXXX. 
The deceitfully did not tell me this, and I had to contact customer service to see what was going on. They do not have any answers except that it is 'still under investigation. ' I did not open this case, they did, and as far as I was aware, my case was CLOSED. 

From the complaint response on XXXX : CFPB XXXX No : XXXX Ref : XXXX Account Ending in XXXX Dear XXXX XXXX, Were writing in response to your recent correspondence to the Consumer Financial Protection Bureau XXXX We are happy to inform you that we issued credits totaling {$22000.00} for the fraud charges, late fees and interest charges. 
... If we need additional information from you, we will contact you before XX/XX/XXXX, or you may consider this case closed. 

And from Amex on XX/XX/XXXX : Membership Number : XXXX Amex Reference Number : XXXX Dear XXXX XXXX XXXX Thank you for bringing to our attention the unauthorized charge ( s ) on your American Express account XXXX This case has been resolved and is now closed. We are crediting your account for {$22000.00}. This credit will appear on an upcoming statement.
Product: Credit reporting or other personal consumer reports

I am Owed {$1000.00} in Statutory damages for each file that was incorrect in credit file. I have disputed these issues for a full 12 months and even while they have been removed. Compensation was never given for errors
Product: Consumer Loan

I purchased a XXXX ford Windstar from Americredit. Within a few months the transmission went out. I Made payment arrangements and explained it was in the shop having the transmission replaced. They showed up at my house and said they need the address of the shop. They assured me they just needed it on file. I had already paid over XXXX for the repair and had just made a payment. They went to the shop and repossessed it. I was not too far from paying it off since it was used. They auctioned it off. They added lots of fees so that I was unable to get it back before auction.
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. 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 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 antedates 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 information is inaccurate. Remove the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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 reporting, credit repair services, or other personal consumer reports

I have mailed numerous letters to TransUnion trying to rectify the information on my report and have waited over the amount of time for a response. I received some news that has stopped efforts in doing business with me for this matter. According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

All payments paid as agreed and never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I personally sent in letters to all three bureaus informing them about the inaccurate information that is reporting to my credit report. It's been over 45 days and the law states that they have 30 days to come to a conclusion with their investigation and I still haven't heard from them. I also found out that I was affected by the equifax data breach, and my information could have gotten into the wrong hands. I feel like I'm being taken advantage of and ignored. Please help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am disputing XXXX for a posted removal. i have the documents to prove they should be removed!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this CREDIT BUREAU along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and these creditors and CREDIT BUREAU are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this credit bureau, these company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from these creditors and credit bureau, and assisting to furnish wrong and fraudulent accounts. I demand all accounts be removed ASAP. 

Specifically, I refer to the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These above addresses are fraudulent, and these perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was incarcerated for 10 years ; this is the XXXX notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Product: Money transfer, virtual currency, or money service

Hello, In the past I used a platform called Coinbase.com to trade online currency such as bitcoin. I haven't made a purchase  in years, and few weeks ago my account was compromised and my debit card was wipeout. My bank did not stop the charge until they tried there second transaction which made my account overdraw and it was flagged. I was called from a number that showed from my phonebook as coinbase. I later looked to confirm if that was the same number on the coinbase website and it sure is. They stated that my account was under fraud and needed to reset the password. Following what I thought was security questions, later to find out they are the ones whom hacked my account. Although the number was the same number posted on coinbase website, I am being told that it was not coinbase. I am not sure how that is possible, I believe I was scammed from someone within the coinbase office. 

I have tried for over a month now to speak to representative and can not get a response. I was told all trades are final. How about check my IP address and see where the account was logged into? I can specify were I was at the time of the charge and I bet it doesn't match up the location of the purchase on the IP address. 

Now I can't even log into my account! I want to remove all of my information and I can't get into my account because the hacker locked out. 

I am a victim of a cyber attack, and coinbase who let these people into my account have done nothing to get this resolved.
Product: Credit card or prepaid card

I have two main complaints regarding Home Depot and Citibank : Home Depot CC # XXXX XXXX XXXX XXXX Canceled by me : 1. I was checking out a purchase at self help area of Home Depot in XXXX XXXX, NY. The attendant at that station came up while I was in the process. She asked if i wanted a Home Depot Credit Card ; I said no. She continued as if i did not exist, removed the credit card I was using, took information from that card, filled out forms putting the charge on a new Home Depot credit card, she said, finished the purchase, and handed me several Home Depot forms and told me I could pay for the purchase on the bill which would come to my house. Several times I told her I did not want the card. Again no response from her about my complaints. I left frustrated and annoyed but it was near XXXX 2019 and I had no time for this matter. I waited and waited for Home Depot bill or card to arrive. Didn't notice any bills or cards from Home Depot. Finally someone called asking me to pay. which brings me to complaint 2. 
2. The lady on the phone was just as obnoxious as the one in the store. She accused me of trying to get away without paying my bill. She said I had two bills and hadn't paid either one. I told her I did not receive anything from Home Depot but I was happy to pay the bill for the amount of the purchase and not for any overage charges since I did not receive any bill from Home Depot. I told her my record with credit card payments was excellent. Why didn't she believe me? She ignored me about not having received a bill, just like the lady who stuck this mess on me at home depot. I paid the amount of the " bill '' I owed for my purchased and canceled my Home Depot card. 
Since then I have tried to call Home Depot credit card complaint line but have not even been able to patch through to speak to a human person about my complaint. So, I have been reduced to making my complaint through CFPB!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA, XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA. ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.