23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a card holder of  a Macys Consumer Card sin  ce XX/XX/XXXX . In  XX/XX/XXXX , I was tricked into " paperless billing '' while I was making an online   payment on  Macys.com.  I always prefer that my credit card statements to be sent via mail because I will not make a payment until I know exactly what charges and fees have placed on my account, and online statements are typically a hassle to downloa d. Macys.com u sed deceitful methods to enroll consumers into paperless billing. By pre-selecting paperless billing on the " make a payment '' page of their website, it puts a undue burden on the consumer. If the consumer wants paperless billing, they should select that option their self, not have it selected for them. Prior to   XX/XX/XXXX , the Macys.com w ebsite auto selected " paperless billing '' prior to selecting " make a payment '' making it very easy to inadvertently select the paperless billing without the consumer initiating this request. I n  XX/XX/XXXX , there must have been a mistake in the system, because I wa s enrolled in paperless billing, even though I " un-selected '' this option prior to payment. The following  two month  s,  XX/XX/XXXX  and  XX/XX/XXXX , I did n ot receive my statement in the mail. In XX/XX/XXXX  , I logged into Macys.com and  noticed a statement f or  XX/XX/XXXX ,  I clicked on this statement but nothing would download or pop up. There was a technical issue wi th macys.com. In  XX/XX/XXXX , I ca lled macys to inquiry about my account statements and resetting my password. I was told by the representative that I should try again tomorrow because there was a technical issue with the log on system o f macys.com.  XX/XX/XXXX , I was able  to access my account and download my statements ( as stated before, I only make payments after I have verified purchases and fees on my account, and is my right according to Fair Debt Collection Act ) and I made a payment of {$250.00} to make my account up to date. I spoke to an agent about the how the technical difficulties  of macys.com an d unauthorized enrollment into paperless billing caused my delinquencies, and the agent refunded {$74.00} worth of late fees f rom  XX/XX/XXXX ,   XX/XX/XXXX   and  XX/XX/XXXX . I have co ntacte d macys.com to have the 90 day late marks also removed from my credit report, since my delinquency was due to an unauthorized enrollment into paperless billing by macys.com  which prevented me from accessing my statements, along with the technical difficulties of  macys.com t o reset my password i n  XX/XX/XXXX . Macys has refused to remove thes  e delinquencies from my credit report. Prior to  XX/XX/XXXX , when paperless billing was added to my account by macys.com, I never had a   delinquency. This 3 month period of online access difficulty with macys.com, was caused b y Macys pre selecting paperless billing without my consent and technical issues on macys.com for password reset. I was given an option to make an over the phone payment, but again, I never make a payment without verifying charges and fees on my account with a billing statement.
Product: Debt collection

This debt was resolved in a court case and they had an opportunity to collect payments from child support which I was recieving through their office. However, is over 20 years old I do n't agree with. This debt was n't an issued until after I settled for a lump sum child support payment through their office. If I owed the state why did they issue my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/2020 I requested a wire transfer of {$11000.00} from my checking to my account in XXXX. According to the receiving bank in XXXX ( XXXX XXXX  ) instructions were received on XX/XX/2020 but no funds were sent, XXXX XXXX reached out to Capital One on XX/XX/2020 to inform that the wire can not be completed. On XX/XX/2020 funds were sent to XXXX XXXX  but without appropriate instructions ( missing beneficiary 's name, account number ) therefore they could not be properly booked. 
In the meantime, on XX/XX/2020 I recalled the wire since the money was missing and nobody could explain where the money is or help me. Funds ( {$10000.00} ) were returned by the receiving bank on XX/XX/2020 but only {>= $1,000,000} was credited to my account with Capital One on XX/XX/2020!!! 
This was a very long and frustrating process having my money missing and not available to me for 5 weeks. Capital One was not helpful and ignored my emails and phone calls which is very unprofessional and not reassuring to the customer. 
I spent a lot of time trying to trace the wire, calling both banks, here and in XXXX. 
This money was sent to pay my mortgage on the place I am buying in XXXX. 
As a result of Capital One Bank 's incompetence, I incurred late fees on my mortgage payment. 
Also I was charged by Capital One a fee of {$40.00} to initiate a Wire, {$25.00} by the receiving Bank in XXXX to receive a wire. Out of the total Wire amount of {$11000.00}, I was refunded only {$10000.00}. I am seeking to be reimbursed the fees of {$140.00} I was charged since the services were not performed and cased me great deal of stress. 
I save and budget my money carefully and this situation caused me unnecessary financial expenses due to lack of competence and professionalism displayed by Capital One. I did file a complaint previously-ID XXXX, I am filing this complaint to recover the fees unjustly charged to me. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Please see closed complaint # XXXX. HSBC bank acknowledged they have my funds and agreed to return if my bank, XXXX XXXX, would supply an indemnification statement. My bank states they have done so on a number of occasions. HSBC first stated wording was not to their satisfaction, then stated it was not in correct format. This exchange between HSBC and XXXX XXXX began on XX/XX/2023. I am getting the runaround from XXXX XXXX, Complaint Specialist, at HSBC. My bank states they are complying with XXXX, therefore, it appears XXXX is attempting to not return my funds. Other information : I have attempted to indemnify my bank, legally by means to their satisfaction. I have offered to open an account at HSBC so they could simply transfer funds to that account, I have offered to pay for an expedited check to me and HSBC will not accept any other means to return funds other than requested in their correspondence to me on XX/XX/2023. This is unacceptable and an unfair practice given the numerous suggestions I have provided to mitigate this matter. Please reengage in this matter so I can receive funds all parties agree are rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, violated my rights, including reported inaccuracies to each of the three major credit bureaus.

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.
Product: Student loan

I called Mohela in XXXX because they put my loans into forbearance without my knowledge or consent. This was not considered an administrative forbearance so I am not getting credit for it for PSLF. I was unable to start making payments on my loans in XXXX when Covid relief ended because of this. Even if I wanted to make a payment their website would not allow me. I was under the impression this was an administrative forbearance to determine my new payments following Covid relief. I called in XXXX to remove the forbearance as there is no method on their website to allow that, waited on hold for over two hours, and was told I would be able to back pay the months my loan was in forbearance. This never occurred. I am now being told my loan was put into a grace period deferment despite their website listing it as forbearance. This is a consolidated loan so it should never have been eligible for a grace period anyway. I am also being told I can not get credit for the months of PSLF I missed because I called on XX/XX/XXXX and bills are printed the XXXX or XXXX. I find this very hard to believe as the customer service representative got my payment due date wrong twice and changed the dates I would have had to call by. I have called again and been told there will be no effort made to correct the error. Additionally, my loans have been put into a forbearance once again after having been removed and paid for two months. Mohela can not tell me why the loans have been placed in forbearance. In addition to all these damaging administrative mistakes, the call wait times are over 2 hours and email response times up to one month. This makes it nearly impossible to correct any errors in your account.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 


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

This debt collector has continued to try to collect a medical debt when I carry both VA insurance and Medicaid that covers all medical issues. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is why I have VA insurance and also pay for Medicaid out of my SS XXXX. The fact that this company acts predatory and continues to try to collect money from me rather than bill the VA or Medicaid is unreal. A XXXX Veteran should not have to argue with a collection company over an invalid medical debt. This is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information.
Product: Debt collection

I request a dispute with dtv XXXX service with my discover card my acct.was credited XXXX. never reponded this was 2014 they sent the charge to cbe group for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with transunion regarding a credit care balance that was affecting my credit score. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you 're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

This information is not correct. This is mistake on the part of transunion. Shortly after the report by transunion my credit score declined. I fell transunion retaliated against me because of my complaint.
Product: Credit card

In XXXX of XXXX, I received notices that my account with fortiva was past due. 
The account was opened in XXXX XXXX. Apparently 2 accounts were opened at that time.

I called to check on it as I had not taken out an account. I was told the charges were all in person charges at XXXX XXXX in Florida. I have not been to Florida in over 10 years or more. The lady on the phone at Fortiva even said it looks like fraud. 
I have sent several letters since asking for proof that it was me. All they sent me was a form asking for my driver 's license. I was reticent to give it as I did not apply for this account and I did not trust the bank .I did file a police report. 
I sent letters on XXXX, XX/XX/XXXX, XX/XX/XXXX discussing the dispute and requesting information regarding the validity of my account.

Apparently 2 accounts were opened at the same time. I have not EVER seen an itemized list of purchases on either account. Only a bill with the latest amount. I have never purchased anything on this account.
Product: Debt collection

I am writing to dispute a debt that has been brought to my attention. I had no knowledge of this debt, nor was I afforded the opportunity to contest its validity. Furthermore, I have not received adequate notification regarding this matter. If you assert that proper notification has been provided, I kindly request that you furnish the certified receipt containing my signature as proof of delivery.
Product: Student loan

On XX/XX/XXXX, I applied for the SAVE student loan repayment plan. 

On XX/XX/XXXX, I received a notification that I was approved for the SAVE plan, and repayment would begin in XX/XX/XXXX. My loans are currently in forbearance and I have contacted MOHELA at least twice to request they remove the forbearance so I can pay immediately. Because of the amount of loans I have, the interest that accumulates daily is significant. 

Since XX/XX/XXXX, MOHELA has failed to remove my loans from forbearance or allowed me to begin to repay my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 18 years ago I had a mortgage with Flagstar Bank. They securitized and sold it to another servicer, but retained my PII. A few years ago, I was notified that my SSN had been compromised and offered identity theft protection services through XXXX. This week, I received yet another letter from Flagstar that it happened again. I don't understand why my information was held in their system so far beyond what is legally required. I want it removed from their system and am writing to the CEO as well. Please investigate their practices. Clearly, they are not managing customers ', or former customers ', personally identifiable information in a way that conforms with best practice.
Product: Mortgage

I received a letter that I am behind on my payments with the threat of foreclosure in XXXX. I did contact the bank. My mortgage is through US Bank. I have been making payments each time I get paid, every XXXX weeks. I have done this for XXXX years. When I called the bank I was informed that they do not accept partial payments. When I started this I was given that option to pay every XXXX weeks but is was for them to take the pyment from my checking account which i did not want so I set up to make the payment through bill pay at my bank. when I started this I was with XXXX XXXX and I continued with the bank I am with now XXXX XXXX. Every payment made was sent to the escrow acct then after the late fee was added it was applied to the mortgage. I did not look at my statements as I never thought there would be a problem since they made the offer to me.The person I spoke with was supposed to have the payments moved from escrow to the mortgage and the late fees removed. I received a letter XXXX again that I am behind on my payments over XXXX XXXX dollars. After I was told they will not accept a partial payments I made full payments to the bank in XXXX and XXXX. I should have been made aware of this years ago that partial payments are not accepted before this got to this point. I am sure I am not the only one this has happened too. Take payments and don't apply them and then the property can be foreclosed and with the property values double what I paid they would make a bigger profit than if i just continue as is. I have no problem making my payments but i should not be penalized for paying as I did for years and not being told that it was not acceptable.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, EXPERIAN CLAIMED I DID NOT SUBMIT AN IDENTITY THEFT REPORT. 
" Your submission did not meet all of the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' THE FACT IS THAT I DID SUBMIT AN IDENTITY THEFT REPORT VIA FEDERAL TRADE COMMISSION THAT INCLUDES THE STATEMENT " Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/year> Date '' AND STATES SPECIFICALLY " Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. " I BELIEVE EXPERIAN IS USING THIS RESPONSE AS A MEANS TO DELAY IN DELETING THE ACCOUNTS THAT ARE INACCURATE AS THEY ARE ABLE TO GAIN FINANCIALLY FROM PARKING THE DATA ON MY REPORT.