23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Macy's/American Express credit card inside the Macy 's store located in the XXXX in XXXX , Virginia in XXXX XXXX, 2015. I was told by the sales person in the men 's department that I had been approved for this version of card with a limit of {$600.00}. I was also told that any in-store or online purchase would be discounted by an additional 20 %. Additionally, I was told that the use of the card during their XXXX-day only promotion would include an additional discount, and I would also accrue XXXX-Points for each dollar that I spent. 
I opened the account based on these terms, I used the temporary card thinking that I would be receiving a permanent Macy's/AmEx credit card in seven to XXXX business days. 
On XXXX XXXX, 2015 I received a Macy 's Star Rewards regular credit card in the mail. In a separate letter received on the same day I was told that after further review Department Stores National Bank could not issue me what I had been duped into believing I was signing up for. The letter is dated the same day that I applied for credit in the store and the Macy 's clerk told me that I would be getting the dual purpose card. I called Macy 's customer service line and was told that my credit score was not high enough for the dual purpose card. I feel that I should have been told this information on the XXXX, so I could have made a decision whether to sign up for the credit card or just walk away. 
I feel that I was baited, then switched with the promise of a dual purpose card that could be used in Macy 's stores, on-line, as well as anywhere the XXXX XXXX card was accepted. I thought this would a great way help restore and rebuild my credit history and reputation. I was taken advantage of, they knew then that I was not going to get the card that I was promised in-store. This is an unfair and deceptive business practice, and is just plain wrong. I feel cheated by XXXX and Macy 's.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this credit reporting agency EQUIFAX INC. and the creditor XXXX XXXX has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX Acct : XXXX Date : XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

During the whole covid pandemic I panicked and couldn't afford to pay my mortgage. I was misinformed and thought that anyone with a mortgage loan would be granted forbearance as the mortgage companies would be flooded with calls. I finally called in XXXX and was verbally put on a forbearance plan for 6 months. I was not informed as to how it would affect my credit score and how this would be reported to the agencies. I was misdirected that it would include both 30 days late and 60 days late. 
My XXXX payment was late due to the fact that the bank wanted a cashiers check and I wasn't able to get one and it mailed out until XX/XX/2020. I overnighted the payment hoping it'd be there before XX/XX/XXXX, which it should have been. 
I would hope that in theses times there could be a courtesy removal of the XXXX XXXX day late. There is no remark on the comments stating that its disaster related as the comments should reflect that. Also, i have read that if at all possible lenders are should hold back from negative credit reporting at this time
Product: Checking or savings account

In XXXX Ally suspended my accounts and canceled all my transfers. Three transfers were left in limbo and weren't returned to the original account or brought into Ally. These transfer were {$300.00} from XXXX, {$7000.00} from XXXX, and {$4000.00} from XXXX XXXX. I got my Ally account unsuspended but was told they were unable to do anything about these transfers and would have to file a dispute to get them back. XXXX said they were unable to file a dispute on their end and I would have to have Ally do it. Ally said they were unable to file a dispute. XXXX actually returned my funds. XXXX XXXX  denied the dispute because I had authorized the transaction.
Product: Checking or savings account

I have a venmo account linked with my phone number but after logged in from the link sent to my phone... .it said it was sending a link to the email address on XXXX I just lost access to being reason that my XXXX phone was stolen. I contacted venmo support team and they they couldn't change the address that was on file ... even though I could no longer access the email account. To finish logging in. I have a balance of XXXX dollars on my venmo account and it's been there since XXXX? I can't use get to it at all and I'm unhappy with venmo.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I scheduled an automatic payment for my XXXX credit card. Comenity bank does not offer auto payments, thinking about this- how stupid? They obviously pray on people by using a very complicated site that barely function correctly. I was surprised to receive notice that my payment was missed. I check my internet history and it shows the completed scheduled payment link, just as it does my XXXX card, which is issued by the same bank, which went through. I emailed and received a canned response. They need to streamline their program to allow automatic payments and ensure their website functions correctly at all times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX # Acct XXXX has violated my rights. 

15 U.SC 1681 section 602 A. States I have the right to privacy.

15 U.SC 1681 section 601 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

in accordance with the fair credit reporting act XXXX XXXXXXXX # XXXX XXXX XXXX which was said to b opened XX/XX/XXXX XXXXXX/XX/2022 has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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: Payday loan, title loan, or personal loan

I received a loan for solar panels on XX/XX/XXXX. Per their documents in the disbursement section, they would not disburse the money until certain conditions were met. I remained in constant contact with the XXXX representative. I repeatedly inquired about when and if the system was going to become operational. Mosaic was aware that the system was not operational. Payments became due to Mosaic on XX/XX/XXXX ( {$210.00} ). I began to make payments even though the panels were no yet working. They proceeded to disburse the money to the installation company ( XXXX XXXX XXXX XXXX XXXX XXXX ) which is now no longer in service and can not be reached for comment. The money should not have been disbursed until the installation was complete and operational. I have opened 2 complaints. One with Mosaic on XX/XX/XXXX in which case they told me they would try to contact my installer. This complaint was closed by Mosaic on XX/XX/XXXX because they were " unable to reach XXXX XXXX XXXX to review ( my ) complaint ''. The other complaint was filed with the Attorney General 's office ( Public Protection Division against XXXX XXXX - XXXX XXXX XXXX ) and was accepted on XX/XX/XXXX. It is still an active complaint. I do not think I should be paying for a product that has never been operational.
Product: Debt collection

Ginny 's XXXX I wrote them 3 letters and requesting by certifiy mail and notarized letter requesting the company to validate the debt with my original signature and they fail to provide. I sent this request to credit bureau XXXX, XXXX, and XXXX as well too indicating I wanted the company to validate the debt with original signatures and either party has done so on the 3 attempts that I have made. For example, I spoke with XXXX about this matter and they had the letter requesting the original signatures and it was not done. I even ask for a supervisor she then denied the letter was on file after previous rep stated the letter was on file and they did not get the return original signatures from Ginnys ' within 30 or at 30 day time frame. I also went the extra step to make a complaint about Ginnys 's to the BBB of Iowa where the company was locate they got no response after trying 2 attempts about validating the debt with original signatures I have a copy of this letter too. I advised both the bureau and the creditor what I needed to see verify this was my debt and both parties just ignored me. Please help.
Product: Credit reporting or other personal consumer reports

I filed a few disputes with XXXX confirmation # XXXX # XXXX # XXXX about me victim of identity theft and I was effected by XXXX data breach and XXXX XXXX XXXX data breach. XXXX is refusing to remove these inquiries that I didn't authorize. XXXX XXXX WESTLAKE FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Someone used my information without my authorization for I am victim of identity theft see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank made an unauthorized " hard inquiry '' from all 3 major credit reporting agencies. I asked that the hard inquiries be removed from credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear Consumer Relations Department, I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me.

I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items XXXX XXXX XXXX XXXX : Balances {$6900.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX : Balances {$1300.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors. 
Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above. 
During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher. 
Promptly update my consumer report with the correct and accurate information. 
Provide me with a written statement of the investigation results and any changes made to my consumer report. 
Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days. 
As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action. 
I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. 
I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting a Bankruptcy on my credit report. The information is reporting inaccurately. The credit report agencies claim that they have verified this information from Lexis Nexis. According to the court house, they do Not verify this information to the credit reporting agencies or third parties such as Lexis Nexis.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> XXXX : XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer Financial Protection Bureau filled a lawsuit against XXXX for failure to properly investigate consumers disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, includes. 
Conducting inadequate investigation that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned thats my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to remove bad debts when they say they will. Been getting my credit reports every year they all say the same thing on when they will be removed now they jacked up my bad debts XXXX extra months. Why?
Product: Debt collection

First they have me as XXXX XXXX i was not that resident then sent me their bill even though XXXX XXXX. XXXX getting harassing calls from a debt co that has several different names and aliases. I have XXXX XXXX XXXX XXXXXXXX & this was an error from an XXXX XXXX who OVERBILLED ME, after i tried to get the office staff at XXXX XXXX XXXX XXXX to speak to me since i am XXXX - they refused and put me right into collections under XXXX days for a billing error the company that is harassing to arrest me has my mail and emails of my dispute i sent them it immediately - within XXXX hours! I sent an email and letter to dispute a fake debt created from an apartment complex error. They called several times a day and threatening to come put me in jail? The threats are escalating to where i called police to check and the officer saw everything even my paid up old rent from a year ago and said to report this to you. They then said they are sending someone to my work and house on a voicemail and letter. UDR aka XXXX did not even enter my XXXX XXXX after i vacated on XX/XX/XXXX- they then said they had issues getting my payments because they had issues on the app. They refused any payment there and i have certified copies and checks of my last rent payment. They tried to make me pay when i wasnt there and never fixed the error in their computer trying to charge me utilities and not use my deposit. They refused to contact me back via mail phone email AND SENT ME TO COLLECTIONS IN LESS THAN XXXX BUSINESS DAYS!!! Thats outrageous! Collections is at least XXXX days late!! Then they sent me all these letters and surveys a month old. I moved out in XXXXXXXX XXXX XXXX. Not XXXX. They have it wrong. You will see their active service request on XX/XX/XXXX that is when they took their time to inspect my XXXX XXXX i gave a 60 day notice already. They are at fault for not coming when i moved out in XXXX. I spoke to maintenance and they said they agreed and i have ring camera proof as well. When the XXXX refused to speak on phone email and their corporate office refused to answer my mail and emails and calls to correct this, they then took my cash money when i gave it to them after they threatened and demanded and theyre still sending me bills after i paid cash up front of this bill to XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.
Product: Debt collection

I have tried for a few years to have a derogatory acount taken off of my credit from simply bee that was not me. I never authorized the card, had the card, used the card or signed for anything to do with the card or charges. XXXX  and XXXX  are saying they confirmed it was me. That is impossible as it wasn't and could not have been. XXXX XXXX agreed it was not me and deleted it finally but XXXX  told me to file a complaint and send them the complaint for as well as the XXXX XXXX findings and deletion from my credit report. I did call simply be and they said they had no information except they sold the debt. They gave me a number to call and that number went to a closed company. Could not talk to anyone. So how cold a closed company nor simply bee say it is confirmed it was me when it is impossible.