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

I am a platinum card holder with Macys. I generally buy products when they are on sales. On XX/XX/XXXX, there were such sales. I purchased some clothing items as well as earrings and necklace. The items were delivered on XXXX separate deliveries. 

On XX/XX/XXXX, I returned home around XXXX or so to find an opened box of macys package at my door, inside the box were XXXX empty cases and a receipt. I immediately called macys but they were closed so I went ahead and placed another order to be delivered. I called macys on XX/XX/XXXX to report my finding and also to let them know that I had since placed another order. 

Macys assured me that I was going to receive a credit. I waited for about a week, I didn't see any credit in my macys account. I called macys credit as well as XXXX. I was told to file a police report, which I did and was assigned a detective to the case. I also reached out to the XXXX delivery guy for my neighborhood, XXXX XXXX. He in turn called his supervisor, XXXX. 

Upon XXXX investigation, I was told that the package was delivered to a wrong address. They promised to go to the location and get back out to me. I asked them if they knew how the empty package ended up at my door, they said no. 

Few days later XXXX informed me that they went to the location where the package was delivered few times and no response that I should reach out to macys to sort it out with XXXX. 

I relayed all these to macys. Macys told me to contact XXXX to file a claim. XXXX stated that it's between macys and XXXX. To my surprise, I received their third denial yesterday XX/XX/XXXX insist that I pay {$1900.00} for the missing items. 

I have proven to macys that these items were never delivered to my house. Instead, an empty package was left at my door. 
Macys lied and claimed that the package was left in my mailbox even though XXXX stated that it was delivered to a wrong address.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 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 XXXX7 ( 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: Debt collection

I had make arrangements for them to take money XXXX dollars amount every month and I still got send to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Request for Removal of Incorrect Derogatory Mark on Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Bureau, I am writing to formally dispute an incorrect derogatory mark that appears on my credit report. The mark in question is related to an alleged debt with XXXX XXXX XXXX for termination fees from ending a lease early. This information is inaccurate and I respectfully request its removal from my credit report immediately. 

Please find my identifying information below : Full Name : XXXX XXXX Last 4 of my Social Security Number : XXXX XXXX File Number : ( XXXX # XXXX ) Details of the Disputed Item : XXXX XXXX XXXX {$2900.00} Name of Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Reported : XXXX XXXX, XXXX Explanation : In XX/XX/XXXX, I vacated my rental unit at XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX with the permission of the leasing manager. I was provided with a written vacate letter, a copy of which is attached. The leasing manager informed me that she would consult with the corporate office regarding the waiver of any termination fees. I vacated the property in good faith based on this communication. The unit was re-rented immediately after I vacated, indicating that the property did not incur losses due to early termination. 

Despite this, the management company reported termination fees to the credit bureaus, which is both erroneous and damaging to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported in CFPB complaint ID XXXX Closed Marked as a duplicate complaint on XX/XX/2019. Closure is corrupt because not resolved, for more than 1 year, the attached 37 issues and I can not temp remove credit freeze. Please immediately email XXXX all 37 resolutions or removal from your now corrupt credit file of me and immediate temporary, say 48 hours, lifting of credit freeze. All attachments are critical. Thank you.
Product: Money transfer, virtual currency, or money service

I paid XXXX dollars for a service but did not receive the service I paid for. I contacted the seller but still did not receive the service I paid for
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I hope this letter finds you well. I am writing to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and to share with you the profound and deeply personal impact that these credit reporting inaccuracies have had on my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Impact : The inaccuracies on my credit report have been a source of significant distress, affecting multiple aspects of my life. To convey the emotional turmoil I have endured, I would like to share a specific incident that illustrates the far-reaching consequences of these inaccuracies. 

I embarked on a journey to secure a mortgage loan for a modest home for my family. My spouse and I had been diligently saving for years, and we were excited about the prospect of providing stability and security for our children. However, when our credit reports were pulled by the mortgage lender, we were met with a devastating reality. 

The XXXX XXXX and XXXX XXXX XXXX accounts, which were erroneously reported, led to a sudden and shocking drop in our credit scores. As a result, we were deemed ineligible for the mortgage loan we had longed for. Our dreams of homeownership were crushed, and we were left in a state of despair. We were forced to continue renting a subpar apartment, which had become increasingly inadequate for our growing family. 

Furthermore, the XXXX account inaccurately portrays my financial responsibility, jeopardizing my ability to access credit on fair terms. This has hindered my career aspirations, as certain employers perform credit checks during the hiring process. The perpetual burden of these inaccuracies has cast a dark shadow over my personal and professional life, leading to sleepless nights, XXXX, and a pervasive sense of helplessness. 

Request for Action : I implore the CFPB to enforce the FCRA by investigating these violations and compelling the creditors to remove these unverified accounts from my credit report immediately. I have followed the appropriate dispute procedures with the credit bureaus and have provided evidence supporting my claims. However, my efforts have not yielded the necessary corrections. 

The emotional and financial toll these inaccuracies have taken on my family can not be overstated. We are earnestly seeking justice and relief from this unjust situation. 

I am profoundly grateful for your attention to this matter and for your commitment to protecting consumers like me. Please do not hesitate to reach out to me if additional information is required to facilitate your investigation. 

Thank you for your time and understanding. 

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

Equifax Credit Bureau has took more than 30 days to complete my investigation. Here is my certified mail tracking # XXXX delivered to Equifax on XX/XX/2022. 

On XX/XX/2022 I called the Equifax customer service department and a agent told me they do not have my documents. When I advised him I have a tracking number that they received my documents via certified mail he than stated they have the documents but it was not in their system yet. I then advised him its been more than 30 days that I have not received a update and he advised that I will receive a update in a couple of days but did not confirm why they do not have my documents in the system yet for investigation nor did he attempt to get the tracking information from me to confirm if they really received my documents.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have called Trans Union XXXX XXXX and also sent them a police report stating that I did not open up all those loans and credit cards and it is XXXX increase on my account and XXXX closed accounts. I was told by someone that it will be deleted off my credit by Monday. I check my credit is still on there. I asked him politely to remove this from my credit because it is stopping me from being being able to move forward to get a home all of those inquiries and close accounts are fraudulent accounts. It needs to be removed
Product: Vehicle loan or lease

I brought a car from a car dealership where I was approved for a loan which went towards the car and I also put down a downpayment which I wasn't a ware that I didn't have to do so it was time where the car got repossed cause i couldn't afford and to the last point where I had to call them to get the car mind you they sold off the car and I found out there where still adding interests towards the car and I don't even have it anymore which came up to XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to inform express my concern regarding Zelles handling of dispute particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking theses transactions was infeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about customers safety
Product: Checking or savings account

My name is XXXX XXXX XXXX and Ive had checking account with Citi Bank for more than 2 years. I have my funds from my side job depositing into the account. I recently deposited a check from XXXX XXXX XXXX XXXX for a recent car that I sold to one of their customers. I sent the ceck to the citi processing center in XXXX XXXX Tx to deposit it into my account. I checked my account about a week later, and it was blocked! I called multiple times to citi only to get the same run around. The check needed to be verified. I finally called the monday after the deposit, and to my surprise Citi said they were going to keep the BLOCK and requesting to CLOSE MY ACCOUNT! What is any reasoning for that? I have done NOTHING wrong in my accounts and now Citibank is trying to hold my money for 30-60 days for no reason. I have been given NO reasoning as to why this decision is even considered. Id like to open a case with somebody and get to the bottom of why my funds are being held. 

If you could respond ASAP that would be great. Im just trying to get my account to stay open or AT LEAST be able to access my funds that are rightfully mine. 

XXXX XXXX XXXX. 
check amount : {$19000.00} dates called : XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION CONSUMER FINANCIAL PROTECTION BUREAU Experian continues to CLOSE MY DISPUTES AS EITHER DUPLICATES OR WIH THE FOLLOWING RESPONSE TO MY COMPLAINT " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. '' I have been sending letter and uploading documents since XX/XX/2020 up until today XX/XX/2020. I have notified Experian of a FRAUDULENT MORTGAGE COLLECTION IN MY NAME. 
1 ) I HAVE PROVIDED THE FTC AFFIDAVIT.

2 ) I HAVE PROVIDED TWO SEPARATE POLICE REPORTS.

3 ) I HAVE SUBMITTED 5 REQUESTS IN WRITING TO BLOCK XXXX/XXXX XXXX   XXXX FROM MY CREDIT FILE PER EXPERIAN 'S DETAIL GUIDELINES DUE TO FRAUD. 
4 ) I HAVE SUBMITTED 14 LETTERS OF DISPUTE TO EXPERIAN FOR XXXX XXXX XXXX. 
5 ) I HAVE SUBMITED 14 LETTERS REQUESTING THAT MY PERSONAL STATEMENT " I AM THE VICTIM OF FRAUD. XXXX/XXXX  XXXX   XXXX  IS NOT MY ACCOUNT AND I HAVE FILED A POLICE REPORT OF FRAUD FOR XXXX/XXXX  XXXX XXXX  ''
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries have no permissible purpose to be on my report. Delete these inquiries due to violation 15 USC 1681b
Product: Credit card

I AM NOT LIABLE FOR THIS DEBT WITH APPLE CARD/GS BANK USA XXXX I DO NOT HAVE A CONTRACT WITH APPLE CARD/GS BANK USA , THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFINITI FIN SVCS Inquired on XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Any automated response, documents without my signature for the debt be liable to me or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your VALID method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ). 

i really don't want to escalate this matter
Product: Checking or savings account

On Friday, XX/XX/2018, I went into a Bank of America Financial Center at XXXX XXXX XXXX, XXXX XXXX, NY. I specifically asked the Branch Manager how the funds will be disbursed if I deposited a check from my retirement fund in the amount of {$83000.00}. I was told that on Tuesday, XX/XX/2018 the first {$5000.00} will be available and that on Friday, XX/XX/2018, the remaining balance will be available. I needed to know this because if it would have been too long of a wait, I would have took the check to XXXX XXXX and opened up an account there. I deposited the check and was informed that the whole check will be on hold for a total of 11 days ( XX/XX/2018 ). Needless to say I was very angry. I called Bank of America for  the next few days multiple times and every person I spoke to said something different. No two people gave me the same information. XXXX XXXX XXXX  clear the cash into Bank of America after XXXX  on Monday, XX/XX/2018. I called Bank of America this Morning multiple times again and was told they don't see the cash  deposit so I still have to wait. I said why is the whole amount on hold, can you at least release {$5000.00} especially since the other bank sent over the funds. I was told no. I then replied if I was white, portions of that money would have been released to me, but, because I am XXXX the whole amount is put on hold for 11 days.
Product: Checking or savings account

On XX/XX/2023, scammers accessed my Wells Fargo account and set up a wire transfer of {$25000.00}. They then called me from what appeared as Wells Fargo 's XXXX number and impersonated Wells Fargo 's fraud department. They told me my account was compromised but they would assist with securing everything and reversing any fraudulent transactions. They told me we would be sending a wire back to myself to rectify the situation. The wire appeared as if it was being sent to me but was sent to a XXXX XXXX XXXX  account to someone I have no relation to. The wire was unauthorized and does not benefit me in any way. The next morning I contacted Wells Fargo regarding this matter and they referred me to the fraud department phone # and instructed to call on Monday morning, XX/XX/XXXX, which I did. 

On XX/XX/XXXX, I filed a claim with the Wells Fargo fraud department and they assured me my money would be refunded within XXXX business days. On Monday XX/XX/XXXX, I received a letter in the mail stating I would not be reimbursed the money per Wells Fargo 's terms and conditions. This is in clear violation of the EFTA, regulation E. I have escalated the claim and received notice from Wells Fargo that they are looking back into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 

I have not provided written consent to report nonpublic information to third parties. 

Consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX via third party reporting agencies who have no lawful standing for violating my rights to privacy.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX # XXXX  -- Opened on XX/XX/year>
Product: Credit card or prepaid card

I 've been noticing that I had been having some unauthorized charge on my Best Buy ( Citibank/ XXXX /  XXXX   - whatever it is called now ) account called " Debt Protection/Debt Cancellation. '' I never really thought anything of it. Further into doing research, I noticed it had been on my account for  two ye ars ( the oldest statement that I can see online is from   XXXX   XXXX    ),  and I 'm assuming this probably has been happening unknowingly for much much longer. It 's been around $  XXXX  {$18.00} every month. I NEVER ever purchased this or authorized this, because I have no need for that service or any similar service. Every time I buy something anywhere and they ask for any kind of additional protection, I always say no.  Plus, I h ave n't charged anything to my card in years and years and years.     I saw online that  Citibank had n umerous complaints and there was a  Class Action lawsuit and that they were fined {$35.00} million and forced to reimburse {$700.00} million to customers. I NEVER got notified or refunded at all or   received any notification that this had occurred. This is actually the first time I 'm hearing about ( ever since I did research online this week ). I would like to find out when the charges started and be reimbursed for the entire amount up until currently, as well as having the whole " debt protection '' charge cancelled and removed from my account indefinitely. I 've even read about people having the charges on their card even after their card is paid off and the account is closed. I do n't want that to end up happening to me.     I contacted Best Buy and they sent me this message " We received your recent request regarding your account. We have received your request to change or cancel your debt protection enrollment. This process is handled by  XXXX , a third party vendor, please contact them directly at  XXXX  ( TDD/TTY : Use Relay Service ) Monday  thru  Friday  XXXX   XXXX  ET to  XXXX   XXXX  ET, Saturday   XXXX   XXXX   ET to   XXXX   XXXX   ET and Sunday  XXXX   XXXX  ET to   XXXX   XXXX   ET. Please let us know if we can be of further assistance. '' I 've never heard of  XXXX  or was ever informed of this Debt Cancellation service, and I do n't want to play phone tag.     The account should also be closed - as of    XXXX    ( I still have a balance on it  ).   The account is n't active, but yet they are still charging me for this " debt cancellation service. '' Once the balance is paid off, I do NOT want them to continue charging me for something that I do n't want. That   XXXX   is also the number on my statement each month.     ( I have attache d two screenshots - one is a sta tement from   XXXX   XXXX  , and it states that I purchased " debt protection, '' which is not true, because this is the first I had ever heard of it! ) I 'd like to get this resolved as quickly and less painful as possible. I would also like for that money from all of those years be reimbursed.