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

Macys has a star rewards program for credit card users, the more money you spend the more rewards you are given. Those rewards can be used towards any purchases made at Macys with your credit card. The concern is when you return an item that you used the star money on. They have a policy on returns, that any star money used is null ( which is understandable, rules are rules, I dont get to use them anymore, no problem ). The complication is that when they process the return, the refund is completed but the star money ends up as a balance on your account. This has happened twice to me now. So I decided to report it. 
For example and my compliant I purchased an item for XXXX, when I was at check out I had XXXX star money which I used for my purchase therefore only paid XXXX. When I returned the item, they credit me back XXXX and left me a balance due on my credit card of XXXX. 
I have now called 3 times and have gotten different answers on the issue above, ( 1 ) thats how it works now I have to pay Macys XXXX ( that is fraud ) or ( 2 ) that someone in the back end forgot to clear out the store money, and the rep on the phone promised to clear it out. As of today, nothing.

This is a huge disappointment for me, as I really like Macys but if as a company you can not fully control the star money program, dont have it!!!! As a customer, its frustrating that you create a program and restrict star money from being used but dont set systematic controls to properly handle the return. Further, I would urge you to look into how many customers have been charged by your teams not fully processing the returns and causing a balance ( you have to take into consideration not everyone balances/reconciles their accounts ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. someone has attempted to get credit in my name. Someone attempted to get accounts in my name. I pulled my credit report and saw inquiries that I did not authorize in my name. I have reported the problems with XXXX, Equifax and XXXX and the problems has not been resolved. It has been well over 60 days and i have not received and results or explinations. Could someone please help me with this issue. Thanks in advance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX, EQUIFAX and XXXX credit bureaus, the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : 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

The credit report agencies show late payments, and I have never been late paying my payments. 

In Accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts and correct or remove them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX XXXX, XXXX, CT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX XXXX XXXX XXXX, XXXX XXXX, CT, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XXXX XXXX, 2017. For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account.
Product: Student loan

I have two private loans with Navient. 1st : Amount : XXXX -date account opened : XX/XX/XXXX -original loan amount : XXXX 2nd : Amount : XXXX -date account opened : XX/XX/XXXX -Original loan amount : XXXX I have tried talking to them, to possibly get my minimum payment down on each private loan. They have only offered me a minimum of XXXX on EACH loan, total XXXX a month ( as that is the lowest they will go ) and another Option they asked, " is there a family member you can borrow from and we can settle on both of these accounts for XXXX ''. REALLY ... No, My family does n't have XXXX laying around to help ( unfortunately, especially since my father is a retired-veteran from the XXXX XXXX ). I will be able to send a copy of my father 's XXXX doc from the service. I have been making Payments of what I can of XXXX a month on each loan ( I have attached multiple docs/pictures of everything listed ). They have been hitting my credit report Twice .... each month for the past year. I 'm a working mother of XXXX childern and I will never be able to purchase a home if this continues. I feel like I 'm at a dead end. Every payment that shows on my account only pays for my " fees '' and/or interest. They clearly seen that I have filed forbearance on these, multiple times. Not to mention I consolidated my Federal Loans and switched to XXXX XXXX ( extememly helpful ), as XXXX XXXX helped me on an income repayment plan, which I qualify for XXXX a month ( attached is proof of reduced repayment plan from XXXX XXXX ) as I have XXXX children, and XXXX of my children is active in college.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite repeated disputes and calls to all 3 credit bureaus, each account reporting with each bureau is in violation of my rights under the FDCPA. Bankruptcy account filed by myself as well as my ex-husband is reporting inaccurately as Chapter XXXX, and keeps verifying as accurate despite submitting documents showing correct Chapter XXXX filing, and now too old to remain on file. Have called bankruptcy court, told they do not report to bureaus? Also told by both XXXX  and XXXX XXXX that debt re-aging is not illegal, when it is, while article discussing re-aging currently on homepage, accounts that arent mine repeatedly verifying as accurate, despite calls to original creditors verifying i do not have an account on their files, state tax lien appearing on only one report illegally, and medical bill balance steadely increasing a few dollars at a time, lowering credit score further with each occurence. And also not my account. Unable to apply for SBA loan until these violations are removed ; ex-husband can not afford a new much needed car loan as well, due to low credit score resulting in unaffordable rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a Letter to Equifax 31 days ago disputing information on my credit report. Which has caused me not the ability to refi my home. that all the inquires were not me and to provide me documentation that i signed for these inquires to happen. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX  Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX also reached out to this collection company stating i had a cox communication account which i never have. and to provide me documentation that i did signed a agreement with the company. I also was never notified 30days prior to this going on my credit report per the Credit reporting act. 

Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$65.00} Amount {$65.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX I need the items Removed if there is no proof that can be generated with my wet signature
Product: Checking or savings account

I lost my wallet as well as my phone on XX/XX/year> during a night out. A few days later I started getting money pulled off my account by cash app. At this time I had no access to my cash app because I lost my phone ( the only place my debit card was connected ) and immediately contacted cash app customer support to log in to my account because I no longer had the same phone so I wasnt able to log in to my account due to me not having the same number I ended getting a new phone and had the number transfered but they said wait until the charges stop pending. As of yesterday I tried disputing with my bank but all that has happened is them changing my card and saying Its under investigation but I had {$1700.00} stolen. Since I have changed my password on cashapp and filed a dispute. I have a newborn and bills to pay this has set me back extremely. When my next deposit comes in my accounts {$400.00} negative so it will be taking away from my next deposit as well. My Wells Fargo account has never been negative and I had no clue it could even go negative. I was also getting calls a fake Wells Fargo number. After consulting the police they said the number can be spoofed meaning it will show the Wells Fargo customer support number and not be Wells Fargo. I was told by the fake Wells Fargo number i will be getting a check to refund the stolen funds and some extra money due to the distress. I tried to cash it in on XX/XX/XXXX and it didnt work. After that I called Wells Fargo bank and they stopped the check before it could deposit.
Product: Debt collection

Repeated calls from +XXXX ( XXXX XXXX XXXX ( extension XXXX provided in voicemail ) who claim to be Northstar Location Services & collecting debt. Per complaints online, this number asks for a name that does not belong to the called number & does not remove number from directory. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items.
Product: Credit card or prepaid card

I purchased a set of headlights from a gentleman in XXXX for {$4800.00} on XX/XX/2020, using my Citi credit card through XXXX. When the lights arrived, one was damaged. I was unable to receive compensation for the damage from the seller, so I disputed half of the amount with Citi. I was awarded the disputed half at {$2400.00} ; however, the remaining {$2400.00} ( the full payment balance ) was also pulled from the vendor by XXXX and never returned to either the vendor nor myself. I have contacted Citi and XXXX at length, and have been told repeatedly by Citi that only half was disputed the half and they have no control over the other half, and by XXXX that the full amount was pulled from the vendor and returned to Citi. Citi needs to work with XXXX to determine where that other half of the money is, because as of right now, 9 months later, neither party has that {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 3 requests to Equifax, XXXX and XXXX  on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. This is a major violation of my rights. This is not right. They are not responding or honoring my request. I decided to send certified and still, no response. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. I shouldn't have to continue to have a negative mark on my record because they couldn't verify any of my accounts. Not responding was only giving creditors over 8 months. This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

Provided the FTC report to the reporting agencies and they have not rectified the issue. Unauthorized inquires listed below need to be removed immediately : XXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX Credit Unions XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX Department, variety , local, regional, and national chains XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXXXXXX XXXX XXXX  Miscellaneous and public record XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is to follow up to request the deletion of multiple fraudulent items or inquiries on my credit report, which are causing substantial harm to my financial reputation. It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history. The items claims are all disputed, as they have caused significant damage to my financial reputation. I have never authorized or consented to the inquiries from the entities mentioned above. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report and provide me with the results of your investigation within 30 days of receiving a dispute letter. Therefore, I kindly request that you : help me conduct a thorough and exhaustive investigation into these items on my credit report and provide me with a written response outlining the results of your investigation and the corrective actions taken. Kindly help me remove the following items immediately : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Incorrect balance shown on report on XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, h

as violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Money transfer, virtual currency, or money service

I have had an open coinbase support ticket for over a week ( Case # XXXX  ). I have an entire transcript of the issue as well. I withdrew cryptocurrency ( ethereum ) from my wallet - and a glitch in their system has yet to send it to the blockchain. Support has been entirely unhelpful, as they ignored the problem many times stating that the transaction was sent. I sent 4 transactions for the same amount ( .XXXX  ethereum ) and 3 were successfully sent. The support team keeps telling me they were sent referencing the 3 successful transactions. Four days ago, they acknowledged the unsuccessful transaction ( finally ), have said they are working on a fix, but have not provided one nor any timeframe in which theyll have a solution. Because of this, my account has had .XXXX  ethereum removed from it, which is being held by Coinbase since they have yet to send the transaction to my original withdrawal address or credit back my account because of their own internal issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and Transunion are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX   XXXX  nor transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint.

Department Of Education/XXXX XXXX Account # XXXX Amount {$22000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$4900.00} Inquiries : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Checking or savings account

This has been going on for years now and the bank tells me they dont see any bank errors in their process and are not refunding any fees. 

The bank is charging me overdraft fees for XXXX XXXX payments that was supposed to post or show on my account on XX/XX/2024, but are not being processed and posted until XX/XX/2024 and hitting me with fees even after I have transferred the amount from another bank account to cover the overdraft amount. 

But the bank is still charging me overdraft fees because the date shows it was posted on the XXXX of XXXX which it wasnt. 

They didnt give me any time to cover the fee on the date they claim it was posted. 

I would like them to be investigated for this violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter to Experian, XX/XX/XXXX, and XX/XX/XXXXto remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Received a call from XXXX XXXX XXXX  XXXX threatening to arrest me and seized my bank accounts for {$3800.00}. The loan was written off by Speedy Cash in 2018. No Im getting threatened everyday by the Above. The loan was for {$400.00}. The company use many different numbers last number XXXX XXXX XXXX Usury fees and harassment I am still being harassed they keep selling the loan to people