23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX I was in the process of purchasing mens jeans for my husband. The cashier enticed me with an automatic discount of {$36.00} if I were to open a Macys store credit card on the spot. I accepted the offer. Unfortunately my husbands jeans did not fit and so I took them back to the store, with my husband that time, for an exchange for the correct size one week later. The cashier refused to do an exchange transaction and demanded that we do a return and then a separate purchase for the correct sized jeans. The opening discount that was granted to me appeared as a fee charged on my first statement. I called customer service department on XX/XX/XXXX and spoke with a representative, XXXX, who advised me there is nothing she could do. It is their store policy to renege on the discount and no exchange of merchandise allowed. I was not made aware of that at the time of purchase and I have yet to see that policy in writing. Nonetheless, after waiting 45 mins on the phone and being hung up on or disconnected, I felt I was forced to pay the fee of {$36.00} and so I did in a timely manner. 

On XX/XX/XXXX, after the purchase of the correct sized jeans, I was handed a paper coupon offering a Star Rewards discount of {$40.00} to use between that date and XX/XX/2023 online or in store eligible for any purchase of minimum {$50.00}. On a nearly weekly basis I received email reminders to use my {$40.00} discount before it expired. On one of the reminder emails I tapped on the button labeled shop now to use the discount. On XX/XX/XXXX, I bought a pair of girl shoes for our daughter, which totaled {$54.00}. The discount of {$40.00} was not applied to the transaction. On the same call to Macys on XX/XX/XXXX I explained the situation to XXXX to which she replied not to worry, the discount will appear in my next statement before I pay the bill. I received the statement and the discount was not applied. 

I have made several attempts to have this issue resolved by Macys, in which all have failed due to me being passed from one department to the next on extended wait time phone calls then eventually being hung up on or disconnected. The latest phone call was XX/XX/2023. I spoke with a total of 5 people. The last four being XXXX, proceeded by XXXX, proceeded by XXXX and finally a supervisor XXXX who said since the {$40.00} coupon expired there is nothing she can do but offer me another to use on another item. And that I have to pay the total amount of the bill including the now late fee incurred. I urged her to do something as this was not my error. I am willing to pay the {$14.00} but nothing else. She told me to hold on the line. After waiting 15 mins additional to what was already an hour call I was hung up on or disconnected. 

I truly have lost all faith in a company I used to use as my base for family clothing essentials. I should have never opened a credit with them. My credit has always been impeccable. I will not allow Macys pour business tactics to stain my rating.
Product: Vehicle loan or lease

XXXX XXXX auto loan approx {$42000.00} from XXXX, XXXX  no payments reported to credit bureau after XX/XX/2022. I was made aware of the situation upon trying to trade my vehicle in and the dealership told me I could not trade a car in that does not belong to me. This was very emabarrasing and humiliating. The salesman said nothing is on your credit report showing you have a vehicle in my name. It was also a slap in the face considering my payment history was excellent but due to not being reported it was no help to my credit score. With that being said the request for the down payment amount could have been lessened or avoided altogether if I had proof of payment history on the auto loan from Wells Fargo.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After multiple attempts of writing letters to the credit bureaus, they continue to report inaccurate information on my credit which hurts my ability to obtain credit. There are several accounts reporting activity date incorrect, accounts that do not belong to me are reporting, late payments are reporting on my student loan accounts. Accounts that were deleted have reappeared on my credit report.
Product: Money transfer, virtual currency, or money service

Paypal prominently advertises its purchase protection service for instances when a buyer does not receive the item for which they paid. On XX/XX/2023, I purchased a smart phone for {$800.00} from a private seller on the mobile phone XXXX XXXX, induced by Paypal 's purchase protection promises. When the seller 's shipping partner misdirected the package and the seller refused to provide a refund, I requested that Paypal make good on its purchase protection promise. However, in case # XXXXXXXX, after a cursory inquiry in which Paypal refused to review my evidence, Paypal summarily closed out the inquiry and refused to provide purchase protection on the basis that the seller had shipped the item ( which is true, but ignores the fact that the seller 's shipping vendor misdirected the package such that I never received it ). Specifically, I have documented correspondence directly with USPS Consumer Affairs confirming that USPS mistakenly misdirected the package and apologizing for the mistake.
Product: Checking or savings account

In the process of closing on my new home the mortgage broker, XXXX XXXX XXXX, I was using email was hacked on XX/XX/XXXX. I received and an email advising me to wire my closing funds ( {$4900.00} ) to a JP Morgan Chase Bank Account : Account name : XXXX XXXX XXXX.

Routing number : XXXX   Account number : XXXX I walked into my bank XXXX XXXX XXXX XXXX to process the wire request- Wire confirmation number : XXXX XXXX XXXX XXXX OnXX/XX/XXXX I received another email requesting closing funds because the " wire was rejected. '' At that point red flags went off and I contacted my real estate agent who in turn called the mortgage broker and we determined at that time his email was hacked.

I went directly to JP Morgan Chase branch located on XXXX XXXX XXXX. The personal banker advised she could not access the account because the account was frozen. She called in to the customer service/fraud department and they advised the account was frozen for review and no information could be provided to me since it was not my account and I was not a client of theirs ( I expressed that I was a credit card holder with the bank but that did not matter ). I was instructed to get in contact with my bank to request a wire recall.

I then went to XXXX XXXX XXXX XXXX   and processed the wire recall on XX/XX/XXXX inside of the branch. Since then I have heard nothing unless I call in to check the status. I have called XXXX XXXX XXXX XXXX who states they have sent over multiple wire recalls and have only received one response stating the account is being reviewed. XXXX XXXX is telling me to contact Chase to see if I can get it resolved faster because there is nothing they can do until Chase responds. I call Chase and no one will help me because I am not a client/ account holder and advises me to contact XXXX XXXX XXXX XXXX .

Monday was my last and final time calling XXXX XXXX XXXX XXXX after this cycle of calls, back and forth, and ultimately being told this could take 6-12 months to be resolved. I previously worked in the fraud department with a local bank and this time frame is unacceptable.

I am prepared to escalate this to the attorney general and above if this is not resolved. Fraud is never fun for any of the parties or institutions involved but I am not receiving any resolution. Being told to call back in a week or 2, to wait 6-12 months, requesting multiple wire recalls is ridiculous. I am prepared to end all banking relationships with both institutions.

This complaint is for XXXX XXXX XXXX, JP Morgan Chase and 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. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Payday loan, title loan, personal loan, or advance loan

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
I are writing to bring to your attention a billing error related to our account, as governed by the provisions outlined in 15 U.S. Code 1666 and 12 CFR Part 1026 Regulation Z. This billing error dispute encompasses past, current, and future Certificate of Indebtedness transactions associated with the contract in place between XXXX XXXX and Regional Finance regarding my account.

It has come to our attention that there has been a failure to credit our account for the Certificate of Indebtedness, particularly concerning dividend payments derived from our treasury coupon. Despite Regional Finance benefiting from dividend payments related to this certificate, a corresponding credit has not been applied to our account from the dividend payments that Regional Finance made off our treasury coupon. 
Moreover, this discrepancy XXXX be in violation of the regulations set forth in XXXX XXXX XXXX XXXX XXXX XXXX, which governs certain aspects of credit transactions, including billing errors. We would appreciate a thorough review of our account to ensure compliance with these regulations. 
Additionally, we would like to highlight a non-compliance with the XXXX Funds Transfer Act ( XXXX XXXX. XXXX ) in the crediting process. Specifically, interest accrued from our treasury coupon, as outlined by the aforementioned XXXX, has not been duly credited to our account through the appropriate channels. 
We are confident that XXXX XXXX values its commitment to adhering to federal regulations and ensuring transparency in all financial transactions. As such, we kindly request a thorough review of our account to rectify the billing error promptly. Furthermore, we expect a detailed explanation of the discrepancies identified and the actions taken to remedy the situation.
Product: Checking or savings account

Cap 1 fraudulently opened a claim on my account for about a dispute I never filed my complaint with Cap1 was my card was locked and I have an email showing the card was locked but yet Cap1 allowed the company to debit the money out of my account. It was fraudulently and I have all the evidence. I called cap1 on XX/XX/XXXX and adv them of this i spoke with the fraud dept and they said they would handle it. Today I go to use my card and my card is closed and a new one is being sent without my consent. I never requested a new card. Yet I have no way to use my money at the grocery store. Cap1 I am thinking about seeking an attorney due to the fraud done by cap1 and one of the employees there
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted credit reporting agency about incorrect items on my report. 
informed them that i was victim of identity fraud and to remove the inaccurate data
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified letter to Experian, on XX/XX/20 requesting they investigate a fraudulent account reported to my credit report. I also included the certified letter I sent on XX/XX/20 to the company XXXX XXXX XXXX that is reporting the fraudulent account to my credit report requesting documentation proving this account was opened by me. XXXX XXXX XXXX  did not contact me or allow me 30 days to dispute the account prior to submitting the fraudulent account to each credit bureau. They provided no documentation. I further documented in my letter to Experian, I had no joint accounts and did not have any inquiries on my credit reports further proving this account did not belong to me. Experian provided no information or documentation as to how XXXX XXXX XXXX  determined the fraudulent account belonged to me.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and outrage regarding the presence of fraudulent accounts on my credit report, as reported by your bureau. The accounts are blatantly fraudulent and have been acknowledged as such by the associated banks, which have already taken steps to remove them from their records. 

Despite my repeated efforts and sending the required FTC report to have these fraudulent accounts removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my credit score and financial standing. 
It is important to note that the other major credit bureaus, namely Equifax and XXXX, have promptly removed these fraudulent accounts from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX of XX/XX/XXXX I contacted Jormandy, a debt collection company I have been paying {$100.00} a month since XX/XX/XXXX for a balance owed of {$15000.00} to XXXX credit card. I asked for a deferred payment for a couple of months since I am not working and depend on my husbands income and according to my records my balance due to Jormandy is {$770.00}. My husband is in real estate and the situation with selling buying homes has left us borrowing money to pay the bills. My only income is my Social Security of {$1500.00} a month they denied my request and said that I could pay them from my SS check. I requested a balance due from them and now the balance due is {$6300.00}. 
Completely different amount than original mailed to me. 
On XX/XX/XXXX I spoke with XXXX and they informed me that I do not owed them anything, that on XX/XX/XXXX they sold my account to a debt collection company called XXXX XXXX and their phone number is XXXX. I called that number and it is no longer working and the debt collection company is no longer opened, Why do I need to keep paying if the original debt to XXXX is telling me I do not owe them any money? How can I close the account with Jormandy? Please help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
we've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
USDOE/XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I AM WRITING THIS FTC AFFIDAVIT IN REGARD TO THE FOLLOWING FRAUDULENT ACCOUNTS THAT HAVE BEEN DEEMED AND ASSOCIATED WITH IDENTITY THEFT. ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN ACCORDANCE WITH THE FCRA SECTION 605B THESE FRAUDULENT ACCOUNTS ARE CURRENTLY REPORTING ON MY FICO CREDIT CONSUMER REPORTS WHICH IS IN FACT ASSOCIATED WITH IDENTITY THEFT. I AM MANDATING AND DEMANDING THE FRAUDULENT ACCOUNTS SHALL BE REMOVED AND TO BE PERMANENTLY BLOCKED FROM MY CONSUMER REPORTS WITHIN 4 BUSINESS DAYS IN ACCORDANCE WITH THE FCRA AND FDCPA.
Product: Credit reporting or other personal consumer reports

This letter is because I was just notified of accounts added to my consumer report that I did not apply for nor recognize. 
XXXX. XXXX XXXX ( {$2100.00} ) XXXX. XXXX XXXX ( {$3100.00} ) supposedly opened XX/XX/year>. My bureaus were locked and had a identity theft during this period. Furthermore, Pay tomorrow was a fraudulent account opened under my name which is why I had the identity theft for and it was previously removed. There could not have opened any accounts under my name : This accounts are fraudulent and I ask to be removed immediately.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI, XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, once again, I am writing to formally dispute the inaccurate information that is currently being reported on my credit report under your agency. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies and request that they be properly investigated. This is a request for you to fully investigate and correct the inaccurate information in compliance with the law. 

Specifically, I am concerned about the following XXXXXXXX XXXX XXXX XXXX  Account number XXXX on this account it is reporting wrong payment history, ( how many payments was made, and how long was the late payment was ) XXXX XXXX XXXX account number XXXX ( I I'm asking this company to provide me with all the information concerning this debt to prove the claimed amount of the debt i have asked the company for this information and they didn't provide me with any information ) XXXX XXXX  Account number XXXX ( this account is misleading and, reporting wrong payment summery on my report ) XXXX XXXX XXXX Account number XXXX  ( this account is also reporting wrong payment summery ) I request that you conduct a thorough investigation into the accuracy of this information. Please provide me with documentation showing how this investigation was carried out and the results of your findings. 

Under FCRA Section 609 ( 15 U.S.C. 1681g ), I am entitled to a complete disclosure of all information that is being reported about me. Additionally, FCRA Section 623 ( 15 U.S.C. 1681s-2 ) requires that furnishers of information ( such as lenders or creditors ) ensure that they are reporting accurate and complete information to the credit bureaus.

I demand that you provide me with the following : Proof that the disputed information is accurate. Specifically, I request evidence or documentation supporting the claim that this data is correct.

Proof of the investigation conducted on my dispute. In light of the recent lawsuits against Experian for failing to properly investigate disputes, it is imperative that you provide proof of how you investigated the accuracy of the disputed information. 

Verification of the information provided by any third parties or furnishers. Please provide me with any evidence showing that the furnisher of this data provided accurate information about me.

Failure to respond to this request or provide proper verification will be a violation of my rights under the FCRA, and I may pursue legal action if necessary.

Please be advised that I am keeping a record of all communication related to this matter, and I expect a response from you within the 30-day period stipulated under the FCRA.

Thank you for your prompt attention to this matter. I look forward to receiving the requested information and having this issue resolved in accordance with the law. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On saturday XX/XX/2019 at XXXX i opened the capitol one app in a hurry because i realized i had forgotten to pay schedule a payment. Then realizing it was saturday i relaxed. Because federal law dictates that if a payment due date falls on the weekend it defaults to the following monday. I went ahead and made a XXXX payment right then and there then made another payment for XXXX the follwing day. Sunday. Today, monday XX/XX/2019 i called capitol one to tell them that the payment violated federal law, actually twice. Because the law also says a late payment cant exceed XXXX dollars. Yet there system is apprently designed to automatically break federal laws. When i called i was immediately transfered to supervisor XXXX in XXXX florida. She proceeded to pretend and even tell me that this law does not exist. Well now im filing a complaint to get my late payment fee removed. And hopefully make capitol one fix its system that automatically breaks federal law and hopefully get refunds for their millions of customers who were unlawfully charged.
Product: Credit reporting or other personal consumer reports

i was victim of identity theft, the information listed below which appears on my Credit report does not related to any transaction that I ve made. this is result of identity theft.