23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX XXXX and I have a Macy 's Credit card reward joint with my husband XXXX XXXX XXXX. I would like to file a complaint against Macy 's for unfair credit discrimination and retaliation.I had filed a complaint against Macy 's before regarding almost same issues but ever since I filed the complaint, Macy 's has been retaliating against us numerous times for no reason. We feel that we are being attacked by Macy 's lately. Every time I call they continue to ask my husband information to verify the account after I provided them with my information and I explained to them that I am a card holder not an authorized user. They drop our credit limit XXXX to 4 times in less than a year. My Daugther has a Macy 's credit card and they drop her credit limit once in 1 year and she pays her bill every other month. I recently contacted Macy 's and requested our bill to be send in the mail because I have a problem signing up online and until this date they have yet to do so. The law provides protections when we deal with any organizations or people who regularly extend credit. If I am responsible to pay the bill, why they do n't increase or decrease our credit limit based also on my credit score. My husband is a victim of I identity theft and is taking a long time to fix it. I have contacted the corporate office numerous times and they never return my phone call but my husband calls who 's XXXX and a XXXX they intermediately return his phone calls. Macy 's has been violating the Equal Credit Opportunity Act. Our account is open since 1996 and Macy 's does n't take that into consideration.
Product: Mortgage

2 yrs ago I went through the partial release of my property. A home was built on the portion that was released by my mortgage company. We are now trying to close on the property and when the title was pulled it was discovered that the mortgage company used MERS to sign the reconyence, which evidently is not allowed. My loan officer, my escrow company and myself have made several attempts to the mortgage company to correct their error and they have even made instructed them how they can correct the error as it seems no one seems to understand how and they are not correcting the error. We explained to them this is time sensitive and it has now been 3weeks with no resolution to the issue. I feel like my hands are tied and at the mercy of my mortgage company and to talk to a supervisor is impossible. The mortgage company is PHH. This situation has placed me in a financial hardship and great physical distress.
Product: Debt collection

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the account below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, and XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

I receive my XXXX benefits on the Direct Express Card provided by Dept. of Treasury, and I had unauthorized charges deducted from my account. I filed a claim on XX/XX/2016 and never received a refund, response or the forms I was supposed to get. I called and was told that they would resend the forms for me to sign again in late XX/XX/2016. I NEVER received them. I keep calling to see why I have n't received the forms, updates or my money back and I keep having to give all my information to get to " Level 2 '' and then they hang up on me. This is fraudulent and I need my moneu to live. Why is it the US Treasury allows this to happen to its people? Will you help me remedy the issue?
Product: Checking or savings account

Hello. I have had an ongoing dispute with truist bank. Multiple times they have overdrafted my account. The last time this happened was XX/XX/XXXX and most recent is today XXXX XXXX XXXX. This has happened 4-5 times where truist incorrectly displays my pending charges and remaining balance and I end up going XXXX XXXX over my balance but I have and have always had overdraft protection and coverage off. I have stated this numerous times to customer support asking them to turn off this feature because I do not want to be overdrafted. Despite this they refused to refund the fee and since then have continued to charge me overdraft fees. I am at an impass as I dont have any money to pay it back so they are going to charge me an additional 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  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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: Credit card or prepaid card

On XX/XX/19, I used my US Bank Visa to purchase online a CPR class in XXXX for {$75.00} from XXXX, XXXX. The class was scheduled in-person on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the class for which I have a confirmation email. XXXX XXXX of XXXX assured me I would receive a {$75.00} refund. The last week of XXXX, I received my Visa statement showing the charge but not the credit. I filed a dispute. and spoke with XXXX again when she called to assure me she had processed the refund. 

On XX/XX/19, I received a VISA dispute letter stating XXXX refused to refund me since I attended class and received CPR certification. They finally requested my documentation, which I sent today. On XX/XX/19, I called XXXX to inform her of the situation. She sent me the electronic notice she received from XXXX about the dispute, stating the {$75.00} is being withdrawn from her deposit. Apparently this occurred. I read the VISA dispute summary to her and sent it to her. We agreed it is full of lies. Now, this seems like banking credit fraud. We are giving up time and resources when it should be already settled.
Product: Consumer Loan

I applied for  an American Express Personal loan  on Sat.  XXXX   XXXX  It was approved. But it has not been funded yet. I have called several times to find out the issue. They only thing they will tell me is that my loan is i n IT a nd they are having issues. They dont say " what kinds of issues '' just issues. No one will help or give me answers. I have not asked to have the loan cancelled since they do n't know how to resolve this issue. They wo n't fix it or cancel it ... ... I am in limbo.
Product: Mortgage

PenFed is not responding to my requests since XX/XX/2020. I have called written letters and email but PenFed is failing to abide by our agreement and protection my PII. 

XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/2020 United States Mail Confirmation Receipt Requested Notice of Error and Request for Information Attn. XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX RE : Notice of Error and Request for Information XXXX XXXX XXXX XXXX XXXX XXXX Account / Loan Number XXXX Dear Pentagon Federal Credit Union ( PENFED FCU ), This letter is a follow up to my telephone call to you in regards to my personal identifiable information ( PII ) being disclosed to unauthorized persons by PENFED FCU. I recently informed PENFED that my mortgage loan statement were placed on the internet that you mailed to an incorrect address without my request. Your actions have caused me and my family harm. I request an answer to the following questions. 

Q1. Why did PEDFED change my mailing address and send my mortgage statements to an incorrect address without my request? 
Q2. How long do you maintain copes of my telephone call or transcripts?

Q3. Has PENFED reported any fraudulent activities in regards to my account to any law enforcement agencies? If so, please identify. 

In closing, I am very concerned that you deliberately sent my PII to an incorrect address without due regard for my families security. I request answers to my two questions pursuant to Federal Law. I also request all protections afforded me under the Federal Servicemember Civil Relief Act, Florida Servicemember Protection Act, The Federal Credit Union Act and Gramm-Leach-Bliley Act as they may or may not apply. 

Regards, ///Original Signed/// XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a fraudulent collection and fraudulent unauthorized inquiries
Product: Debt collection

Hi my name is XXXX XXXX and Im a federally protected consumer, and I am making this complaint against BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC for committing identity theft. I have never given BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC continues its collection efforts I will file for litigation for actual damages caused and BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice you are hereby notified Pursuant UCC 1-202. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported the account as being opened on XX/XX/XXXX to TransUnion and XXXX. 

XXXX XXXX XXXX failed to report payment history for XXXX of XXXX. XXXX XXXX XXXX has the following inaccurate credit reporting which has violated my constitutional rights and Federal Law under 15 USC and designated sub categories. 

XXXX XXXX XXXX reported to Transunion in XXXX of XXXX that the account was 30 days late. In XXXXXXXX XXXX XXXX the account was deemed to be 60 days late by XXXX XXXX XXXX. 

XXXX XXXX XXXX reported to XXXX in XXXXXXXX XXXX XXXX that the account was 30 days late as of XXXX XXXX 60 days. 

Under 15 U.S. Code as with the designated sub sections Creditors and Lenders are legally required to maintain the integrity of the credit report by reporting information with 100 % accuracy to the credit bureaus. XXXX XXXX XXXX has violated Federal Law and my civil rights by failing to properly report credit payment reporting history to the Credit Bureaus. 

15 U.S.C. Sec. 1681e ( b ) - Disputes were submitted to XXXX XXXX XXXXXXXX and they failed to properly respond or correct any information within a reasonable timeframe under US Law. XXXX XXXX XXXX violated US Law again by failing to properly investigate and provide me with a signed consumer contract and accurate credit reporting.

Due to the inaccurate reporting to the credit bureaus, it has affected my ability to get credit and has violated my consumer and constitutional rights of the United States. XXXX XXXX XXXXXXXX was notified and made aware of the disputes multiple times and failed to act within a reasonable timeframe.
Product: Payday loan, title loan, or personal loan

Upon signing up for this service to help build my credit. I wasnt made aware of the amount of interest I would be charged. The problem happened when I decided to pay the remaining XXXX dollars of my XXXX balance needed to open my credit card account. Once you reached a savings amount of XXXX had XXXX months of on time payments with an account in good standing. You would be eligible to open the card. Upon doing so on XX/XX/2023. I had all three needed requirements completed. Noticing the updates on my account but no access to opening the card I contacted self. I was first told I didnt have the money and the payment I made applied to my interest and not my savings. The worker then came back on the phone after placing me on hold and told me that the money did go through I would just have to wait 5 days for it to process. I wait 5 days and within those XXXX days the money I had put into the account began to decrease. What was XXXX was not XXXX next day, XXXX the next day XXXX and today XXXX the XXXX XXXX. When I contacted them about the decrease I was told that money was being taken and applied to my interest. However with loans Ive never had this experience where money Ive already paid was continuously taken and added to my interest daily. Especially since this is a savings account. When asked how much they could not tell me an answer nor could they fully explain why. Upon learning all of this I feel this needs to be reported and looked into. They do not make customers aware of this when starting out. In essence it makes it difficult to save if your money is constantly being taken and used, especially when you make payments towards the interest and principal monthly. So what is the need for the extra being taken without my knowledge or consent? As of today even with all checklist marked off an account in good standing and a amount of over XXXX dollars saved up. I have still yet to receive my invite to sign up for the card. And my money in my savings continues to decrease. I just want to be sure all that is going on is legal and appropriate. I do plan on closing the account early but only once this is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid 3 items and they are till on report. XXXX, XXXX and XXXX XXXX XXXX XXXX  just updated the account The other 2 are paid
Product: Consumer Loan

I have an auto loan with wells fargo dealer services loan # XXXX. Due to my husbands job loss and injury I did fall a few months behind on vehicle payments. The problem is that I have been making payments but Wells Fargo does not appear to be applying my payments correctly. I made a payment of XXXX/XXXX/16 for {$300.00} which they told me was for XXXX 2016, however, they took the payment and my account still shows due for XXXX but yet the total amount due on my account information with them on their website shows {$760.00} which totals the XXXX and XXXX 2016 payments plus late fees. When ever I call about my account, I verbally verify with them what month I am paying and on XXXX XXXX they told me I owed for XXXX 2016 and I made a payment of XXXX XXXX. My concern is that they are not applying my payments correctly and I ca n't seem to verify what month I owe for. Every time I call, I get a different answer and their response from their collections supervisor is it does n't matter what month I owe for and I better make a payment. I am making another payment on XXXX/XXXX/16 but I have a right to honest answers regarding my account and when I login in to my online account for the loan, I should see information that is current but it is deceptive and misleading. In addition, they call and harass my husband who is not even on the loan. I addressed this with them that their employee who calls herself XXXX keeps calling my husband and all they say is yes a XXXX works there but they have not called my husband. However, they have called him several times and have left voicemail messages on my husbands cellular voicemail
Product: Checking or savings account

The XXXX Bank charge off for {$610.00} is fraudulent and is inaccurate information that needs to be removed IMMEDIATELY XXXX XXXX charge off on my credit report is fraudulent and is inaccurate information and needs to be removed immediately because it violates my consumer rights this charge off needs to be blocked immediately because it's hurting my credit score I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all 3 credit reporting agencies that they are reporting duplicate account. They are reporting XXXX ( XXXX XXXX XXXX ) and XXXX XXXX as separate accounts. They are not. I had only one 2nd mortgage. XXXX and XXXX XXXX are the same company. The account started out as XXXX, years later they changed the account number to a XXXX XXXX Account. They did not sell the loan to XXXX XXXX, they only change the account number because both companies are one in the same. I do not have 2 second mortages. I only had one 2nd mortgage, but they are reporing them as 2 separate accounts, but they are not. There was only one second mortgage its just that they changes the account number under the owner of the account which was XXXX XXXX who owns XXXX, but its still only one account. The duplicate accounts are being fraudulently being reported as 2 different accounts when in reality they are the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have these inquires removed from XXXX and equifax. I have had no luck. My ex husband who just recently is now XXXX tried to open things in my name. 
2 inquiries from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX. XXXX XXXX XXXX 2 inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nh XXXX XXXX XXXX XXXX 4 inquiries from XXXXr with no dispute information 1 inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX 1 inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information that is being reported by XXXX is inaccurate and I have no obligation to company that is inaccurately reporting data into my credit profile.
Product: Debt collection

XXXX XXXX office representative made false statements, and when I disputed the debt originally it was dropped from my credit history. 4 years after this was done, XXXX XXXX is attempting to collect what they think is debt. A person authorized to repressent the company told me that I would owe a certain amount and that amount was paid, when a different amount was attempted to be collected I was told that it did not matter what that person agreed to. In New York State a verbal agreement is tantamount to a contract and as such is where they provided service. They have harassed me for the last 7 years to collect something that is not owed to them.
Product: Student loan

I have student loans through Navient. I pay the amount due, if not more, every month. I have had a past due balance of {$0.00} in XX/XX/XXXX and XX/XX/XXXX. I then pay my balance for XX/XX/XXXX ( prior to the due date ) and then receive a statement claiming that I missed my last 3 months of payment. When I called to clear up the issue and provided proof of payment for the last 3 months, the rep put me on hold and came back claiming that payments were missed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. First off, Navient states that all payments made are first allocated to past due balances, fees, and interest and finally current balances. So how could payments have been missed? Secondly, I have documentation of every payment made for the life of my loan-and there are no delinquencies. So, I call Navient and several of their reps review my account, and agree that there is no delinquency on my account and said that they are experiencing a computer glitch-yet no one can seem to get my account current, so it goes under review by the " back office ''. Over 2 weeks later, there is still no resolution, and conveniently the " back office " does n't have any phones borrowers are unable to speak with them. I keep getting empty promises of a resolution, but still have yet to receive one. My account is now erroneously showing 85 days delinquent and in 5 days Navient will report this to the credit bureau. I am at my wits end. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported to my credit 30 day delinquent my score went from XXXX to XXXX. I called XXXX they said the account has never been late and they did not report it as late and that the account is not delinquent. I asked why did they put it on my credit. She said her system shows they didnt, but XXXX was only XXXX  days and thats why it would show up delinquent. This makes no sense because 1st she says they didnt do it, there is no delinquent, then its dispute it, then oh XXXX is XXXX  days and thats why it was reported delinquent Please help me I went from XXXX to XXXX for NOTHING. And they wont help me
Product: Credit reporting or other personal consumer reports

I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.