23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My name is XXXX XXXX XXXX, and I have been a Macy 's customer for 40 years. I have what they call " platinum '' status, which means I must make significant purchases throughout the year to qualify for this status. I get perks such as free shipping and " rewards '' in the form of " Macy 's money or XXXX rewards '' which I can use for the purchase of new items. In this particular situation, Macy 's had a promotion, wherein you spend {$50.00} or more in XXXX ornaments, Macy 's will give you {$10.00} for every {$50.00} spent.

I spent close to {$1000.00} in ornaments, but out of the many innumerable purchases, at least over a dozen transactions were cancelled on me, with Macy 's stating the items were out of stock, even though they were all advertised and sold as " available. '' In reconciliation for their false advertisement, Macys provided a 25 % off coupon on future purchases. However, out of almost 30 items I tried to purchase with the " coupons, '' I was only able to apply it to ONE purchase. 

Having said this, besides having over a dozen transactions voided for items out of stock and the coupons being virtually unusable, I returned multiple items on the XXXX of this month. The major reason for returning the items, is because most had arrived damaged ( XXXX ornaments are delicate ), or they were of low quality. My returns totaled over {$300.00}, but Macy 's took back {$75.00} in Rewards or Star Money, which I did not understand. But they also kept one of my ornaments, which total about {$9.00}, which I accidentally left at the Macy 's store without getting credit for the return.

I advised Macy 's of this via a chat over a week ago and was told I would receive a credit within three days, and to this day, there has been no credit provided to me for that forgotten item which the store kept without crediting.

Then, to add insult to injury, today, i read a letter from Macy 's which says they will not credit an {$8.00} or {$9.00} dispute ( separate from my Macy 's purchases ), because, according to Macy 's I did not provide them the specific time, date I talked to the merchant about an unauthorized " tip '' taken for takeout/pickup, Macy 's refuses to credit that item.

So, in summary, Macy 's, as a company, has terrible customer service as they do not honor their promotions, their advertisements, give out bogus coupons in reconciliation, which do not work. And what's worse, their customer service, via their chats, ( which incidentally only hires out of XXXX ) and, though I could care less where fellow human beings are born, the fact they speak a different form of XXXX than we do here in the United States, does not make them sensitive to our culture, our idioms and our needs and I find their Chats and other forms of communication, painfully lacking in excellent service, which is what I have come to expect from Macy 's.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I need help to remove these inaccurate and misleading items that were reported on my credit files. I've been mailing letters to Experian, XXXX, and XXXX several times since XXXX, but they never responded to any of my letters, and until now, the same invalid negative accounts were reflecting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated and deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$470.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$370.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

National Credit Adjusters , LLC XXXX Date Opened XXXX/XXXX/XXXX Date of last payment XXXX The above-referenced debt, I have disputed this debt with XXXX back in XXXX XXXX. The dispute was in reference to the account being past the statute of limitations of only 4 years ( XXXX XXXX ) for the state of Georgia. This dispute was honored and deleted from my credit report on XXXX XXXX, XXXX. 

This company is trying to garnish my wages for an account that is stale and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought this truck in Florida in XXXX. I stopped making payments but the truck was never repossessed, i even left it at my old employers office for 2 years completely available to be picked up. I am still in possession of the truck but I do not use it. This is a XXXXXXXX XXXX it still shows that i owe {$25000.00}. i sent a dispute letter to Equifax asking them to remove it from my records per : California law, code of civil procedure 337. ( I moved back to California in XXXX. I don't care for the truck and don't find it to be worth what is owed. i got an email from Equifax saying the account was " updated '' email said nothing else.
Product: Credit card

My credit card details have fallen into the hands of fraudsters. Some purchases were made on XXXX, which are not mine. My credit card account had XXXX charges in the beginning : XX/XX/XXXX - XXXX charges of {$73.00} each. XXXX XXXX {$73.00}. XX/XX/XXXX - {$73.00}. I reported this to the bank Ally on XX/XX/XXXX as soon as I discovered it. The card was blocked and a new card was issued. When I received the new card I saw that on XX/XX/XXXX fraudulent charges appeared after I contacted the bank and the account was blocked. The bank employee could not explain how it happened. XX/XX/XXXX : XXXX charges for XXXX $ each and XXXX charges for XXXX $ each. The total amount of fraudulent transactions is {$730.00}. I uploaded a screenshot of my XXXX account to the bank 's website, which shows that I didn't make any purchases in XXXX, and even in XXXX I didn't buy anything. I called the bank several times, but my problem has not been solved yet. I doubt the competence of this bank.
Product: Mortgage

XX/XX/2022, {$9500.00} The financier paid my municipal taxes to another account by mistake and they added them to my mortgage account without my approval. Additionally, the balance was added to my credit report and escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Dear Concerned Parties, I write to bring to light a matter of grave concern affecting thousands of students ensnared in the predatory lending practices of Navient, particularly those who, like myself, attended for-profit online institutions such as the XXXX XXXX XXXX XXXX XXXX 

It is a stark reality that the XXXX XXXX, along with their parent company, XXXX, have been subjected to investigations by numerous state attorneys general, resulting in damning findings of fraudulent activities. 

Recently, in response to the egregious actions of institutions like the XXXX XXXX, the XXXX  administration has taken a commendable step by announcing a sweeping discharge of loans for individuals enrolled at these institutions between XX/XX/XXXX, and XX/XX/XXXX. This move offers a glimmer of hope for those burdened by the weight of unjust debt. 

As I await the impending discharge of my federal loans and the subsequent repair of my credit, I am compelled to address the insidious practices of Navient. Not only have I dutifully repaid a significant portion of my original loans, including interest in the amount of {$41000.00} in Federal loans and {$31000.00} in Private loans, but I also demand restitution for the predatory behavior exhibited by Navient. 

The symbiotic relationship between Navient and for-profit online schools, facilitated by preferential lending arrangements, is a stain on the integrity of the education finance system. It is evident that these loans, fraught with a high risk of default, were designed to exploit vulnerable students, leaving many in financial ruin. 

Navient 's track record of malfeasance extends beyond its collusion with for-profit institutions. The company has faced legal action from state attorneys general, allegations of deceptive loan practices, and accusations of illegal collection methods. Their recent attempts to absolve themselves of responsibility through superficial " pilot programs '' are a slap in the face to those who have suffered at their hands. 

Under the FTC " Holder Rule, '' Navient bears accountability for its role in perpetuating predatory lending practices, particularly in conjunction with online for-profit schools. Time is of the essence for Navient to rectify the injustices inflicted upon students who were lured into a web of deceit and financial exploitation. 

The call to action has been sounded by esteemed voices such as XXXX XXXX XXXX, who rightfully demands immediate discharge of these predatory loans. It is incumbent upon Navient to heed this clarion call and take swift and decisive action to alleviate the burdens of those they have wronged. This should also include refunds for payments made on these predatory loans. 

In conclusion, I implore all stakeholders to recognize the urgency of this matter and to stand in solidarity with those seeking redress. The time for accountability and restitution is now. 

Sincerely, XXXX XXXX
Product: Credit card

The statement with the masked account number and credit card arrived on the due date. Checked mail at XXXX XXXX XXXXXXXX and paid within XXXX hours on the due date. I was charged a {$30.00} late fee because the payment was XXXX hours late of an arbitrary cut-off. It is impossible to pay the bill without a statement or credit card. I contacted customer service and was alerted to the fact that I did not receive the card or statement until the actual due date. I was informed they would only waive {$15.00} of the fee. I escalated through three representatives.
Product: Credit reporting

TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form S3 registration statement, ( b ) Federal Reserve form 424 ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR 2046 balance sheet ( s ), ( d ) Federal Reserve form FR 2049 balance sheet ( s ), ( e ) Federal Reserve form 2099 balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors as well as the original signed application to validate the authenticity of the debt in question according to the FCRA 15 U.S.C. 1681 : XXXX XXXX XXXX & XXXX, XXXX XXXX OF THE XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a formal complaint against I.C. System, Inc. regarding an invalid collection account reported on my credit file. The details of the account are as follows : Debt Collection Agency : I.C. System, Inc. 
Date Opened : XX/XX/year> Despite my previous disputes with the major credit bureaus ( XXXX XXXX XXXX XXXX  ), no verification of this alleged debt has been provided to me as required under both federal and Texas state laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), consumers have the right to request validation of a debt. Furthermore, under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), inaccurate or unverifiable information must be corrected or removed from credit reports. I.C. System, Inc. has failed to validate this debt, yet continues to report it to the credit bureaus, which constitutes a violation of federal statutes. 

Additionally, pursuant to Texas Finance Code Section 392.202, I have the right to dispute any inaccurate or incomplete information on my credit report and demand verification. Failure to provide validation or cease reporting the debt violates state regulations governing fair debt collection practices.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I need to have my alleged debt with XXXX XXXX XXXX XXXX  addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The remarks on my Transunion XXXX XXXX account report the account was a charge off/ paid in full however the account status states charge off. I have requested Transunion correct this inaccurate information. They have not responded. I would like the remarks and account status to reflect the same information or this account should be deleted because of inaccurate information. Thank you.
Product: Debt collection

This debt is considered fraud activity from ex husband. My name isnt XXXX XXXX per contract says. Ive had my vehicle stolen in the pass so anything using XXXX XXXX is fraud because my name was changed after that theft activity.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was contacted by a loan officer from XXXX XXXX who informed me that XXXX had recently bought out XXXX, the company I pay a subscription fee of XXXX XXXX monthly for my vehicle. I was informed that I had the option now of buying out my car and to put my XXXX XXXX monthly payments towards a loan through XXXX that would result in me owning my car at the end of the loan agreement. 
I asked the loan officer directly and clearly what was needed on my part. She said that I already prequalified and that she already started drawing up the loan terms. I expressed that I would only want to do this if the loan terms were less than what I was already paying for the subscription through XXXX  She told me that I needed to open up my credit file on Experian because I had it locked so that she could do a soft pull on my credit which would not reflect on credit report. I agreed to a soft pull. A few days later I received a call where the same loan officer stated that although I have proven that I have been paying {$600.00} dollars a month without a single missed payment she was unable to get me a loan through XXXX. A day or two later I received a notification from Experian saying that a new inquriy was listed on my report and it was from XXXX. When I called the representative back from XXXX she stated that it was a softpull initially but her supervisor had to do a hard pull after we got off the phone. When i expressed my anger with not only getting a loan but also now having a inquiry on my credit file which will prevent me from building my credit and in the future qualifying for a loan or credit card, she apologized but stated there was nothing she can do. 
After looking deeper into the inquires section on my report I noticed that when I was car shopping in XX/XX/XXXX I applied for a loan through XXXX, where I was able to see that during that time XXXX allowed several auto loan companies to run my credit. I was told that XXXX was running my credit not the 15 other auto lenders. I felt completely bamboozled so reached out to Experian to have these removed. They informed me that I had to go through CFPB to have them removed from my report by filing this report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute duplicate entries of a charge-off on my credit report. These entries are from XXXX XXXX XXXXXXXX with account number XXXX Details : Charge-off date : XXXX, Duplicate entries : XXXXXXXX XXXX XXXX Attached are documents supporting my claim. I kindly request an investigation and removal of the duplicate entries to accurately reflect my credit history. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I applied for business credit with XXXX XXXX. One of the primary reasons I was denied my credits was the report said I had to many requests for credit as reported by experians clarity services. To many inquiries. I reached out to experian and claritys report. Disputed the inaccurate information. They deleted all the inaccurate information and updated my new clarity report with accurate information. Because of this inaccurate information on my report. I was denied business credit. The companies violated the FCRA 15usc 1681 a ( 1 ) ( A ) rule. I will show damages I received from this violations this case is affiliated with case # XXXX also attached are emails I got from the companies they say they did a hard inquiries with. They say the dont do hard pulls only soft. As you can see emails from both companies. So why was a hard inquiry done on my report which leads to malice and punitive damages. Knowingly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times for XXXX XXXX XXXX to be removed from my credit, they are reporting 9 missed payments, which is incorrect. The debt was settled and no balance is due on account. CFPB has the letter on file from XXXX. I opened a dispute on XX/XX/2018 and have not received the results from the investigation. I mailed a letter to them after several attempts to get them to remove this from my credit report. It's been well over 30 days and no results.
Product: Credit card

I blocked my chase sapphire credit card on XXXX and had requested a new one. had even locked the card through the chase app. But to my surprise i could still see Transactions happening on my old account on XXXX. 
After talking with the customer care, i was informed that chase has a " feature '' wherein wherever my card is stored digitally, ( like XXXX XXXX XXXX XXXX  ) the card details would automatically update and online transactions will keep on happening even after blocking and locking my previous credit card. 
I'm not looking to dispute the charges since they're quite small but i really dont understand the rational that even after reporting the account as lost, digital transactions would keep on happening. if that is the case, they should've informed me while sending a replacement credit card email. 
this is what is mentioned in the replacement verbiage " you can still make purchases in stores, merchant apps and online if youve added this card to your digital wallet in the Chase Mobile app '', which means i can still use it as part of the digital wallet. i dont even have this card loaded onto apple-pay or any digital wallet for that matter.
Product: Debt collection

This debt appeared on my credit report on XX/XX/2019 I have no knowledge of this company or the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts have collectively and individually violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 

XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX # XXXX XXXX # 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 15 USC 1681 602 ( a ) states I have the right to privacy.

15 USC 1681 604 ( a ) sec. 2 states a consumer credit reporting agency can not furnish an account without written instructions submitted by the consumer.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with HIPAA. Both the Equifax Data Breach of XXXX and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at an apartment lease or buying a home.