23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have held a Macy 's store credit card for 30 years. Earlier in 2015 Macy 's mandated that all cardholders be converted to an XXXX XXXX card. Since that time I have been unable to access my statements on-line or receive e-Bills. But since I had n't used the card in some time I was n't too concerned. On XXXX XXXX, 2015 I used my Macy 's card for a small purchase. I have been anxious to receive the statement so I could pay the bill. I tried again to access the information on-line thru Macy's.com but found myself trapped in an endless circle of error messages. I tried calling XXXX customer service numbers provided XXXX in those messages and on my Macy 's card and XXXX times - despite the phone system confirming their operating hours on a Sunday as XXXX ( and I am in the XXXX ) - their system then asked me to call back during normal business hours ... and hung up on me. Eventually I found a standard Macy 's customer service number and began the odyssey of speaking to XXXX different people ; being forced to repeat the complaint to each person. The last person I spoke to was in their debt collection area - which I did n't understand. I used the card 3 weeks ago, how could it already be late - and how could I know since I was n't receiving any statements thru any method of contact. After a difficult phone call with this last person, who refused to listen to my complaint, insinuated that I had provided incorrect information to Macy 's - which we confirmed they had on-record correctly. The final straw? Being told my account is past due and what are my plans to bring payment up-to-date. After telling XXXX people that I have n't received a statement in months, that I did make a purchase 3 weeks ago and just want to get my account squared away on-line so I could make my payment ... I 'm treated like a person who is evading their debt. It 's all bad enough for any customer but for someone who has been a loyal customer for 30 years ... it 's beyond the pale. The last Macy 's employee I spoke with refused to send me an electronic bill, refused to offer any reasonable solution to the issue of not receiving any kind of statement at all and then demanding payment for a statement I never received. This is grotesque incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

need to remove my personal information that i dont want on my credit report.According to fair credit reporting act 12 usc 1681.I have the right to privacy.Also according to 15 usc 6802. no financial innstitution is suppose to share my information to third party people. 

these are clear violations of my federally protected consumer rights
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$510.00} with LVNV FUNDING LLC, XXXX I do not have a contract with LVNV FUNDING LLC , they did not provide me with the original contract as I requested my wet signature and ID verification.
Product: Checking or savings account

Today, I attempted to use my debit card for gas to get to work and it was declined. At my lunch break, I reviewed my account to find out that Union Bank has shorted my account {$88.00}. After my withdrawal of {$1000.00} ( not including my deposit of {$7200.00} ), I had {$620.00} left. I calculated all of the charges since that date and have spent {$540.00}, which leave {$88.00} missing. Thank XXXX I had a credit card or I would have been able to get to work today. I am very livid and XXXX off that I don't have access to my own money. I should not be overdrawn {$210.00} as stated on my account balance. Unless my XXXX XXXX XXXX and prior education has taught me Math incorrectly, this is completely incorrect. I would like to find out how to file suit against Union Bank or if their is something the CFPB can do about this. Union Bank should not be stopping anyone from utilizing their own money. Now, I have to figure out how to survive until this matter is straightened out. I have been not only inconvenienced but put in a place of hardship that I should not be experiencing.
Product: Money transfer, virtual currency, or money service

Per my last complaint against coinbase, they ( coinbase ) have not reached out to me in constructive manner. Their response to me was they don't call customers and as far as their concerned they closed the case. At no time did they reach out to me multiple times.
Product: Debt collection

The company placed a collection on my credit report. I have disputed this debt several times through the credit bureau as not mine and asking for validation. In response, the company submitted a standard note agreement that could have been completed by anyone. The note agreement was missing the following : - Signature page with a wet signature - Copy of the ID of the person signing the note agreement - Original creditor contact information I believe this to be a violation of Regulation F, FDCPA, and FCRA guidelines as they have provided no information to confirm I owe this debt or that I originated this debt conclusively.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint asa follow up to the 1st round Complaint I recently submitted. I sent a letter addressed to the Credit Bureaus on XXXX XXXX XXXX requesting the Credit Bureaus to remove the Accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX TAB BANK XXXX Balance XXXX {$580.00} XXXXXXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} 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. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$2400.00} XXXX XXXX XXXX : XXXX -- -> : {$710.00} XXXX XXXX XXXX : XXXX -- -> : {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

XXXX account # : XXXX Many discrepancies in the report including last payment dates, date last active, different credit bureaus reporting different payment status, late payments. Don't recall ever paying late on this account. 

XXXX account # : XXXX in the amount of {$6400.00} Many discrepancies in the report including last payment dates completely different, date last active completely different, account status shows paid on XXXX but Derogatory of two others, different credit bureaus reporting different payment status ( Charge off or unknown ). 

XXXX account # : XXXX in the amount of {$4400.00} Two accounts with the same account number but different amounts. Are these duplicate accounts? If so, I want them both deleted. Many discrepancies in the report including last payment dates completely different, date last active completely different, the two year payment history is different in all 3 bureaus, high credit amount is reported differently. 

XXXX Account # : XXXX Many discrepancies in the report including date of last payment, date last active, reporting as different account types, date opened different, last reporting dates are different, and all XXXX bureaus are reporting different two year payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX # XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

.We purchased a home from XXXX XXXX and XXXX XXXX in XX/XX/XXXX. We purchased a mortgage thru Chase bank. Chase bank has on record that we filed bankruptcy in the passed which we never did. The former owner of the home filed bankruptcy and chase Bank thinks our name was on the deed with the former owner which we have no connection. The deed reads that the former owner granted us the deed at closing. I have called our register of deeds dept and they confirmed we are the only ones on the deed. I also called our title company and confirmed the house was not in the former owners bankruptcy case. I also called the former owner 's bankruptcy lawyer and she confirmed we are not at all involved with his bankruptcy and they have never heard of us until Chase Bank sent them a letter stating about our mortgage loan. On XX/XX/XXXX we received a letter stating it was Chase 's error and that we did not file bankruptcy on our loan and it would be corrected. The only thing they corrected was saying we were not bankrupt on our loan and their records still state we filed bankruptcy in the past. The former owner settled his case so they say it has been resolved but still lists us as filing bankruptcy. I have called XXXX Executive Office to get this resolved on XX/XX/XXXX, was assigned a case number but no action is taken as of XX/XX/XXXX. I called Chase on XX/XX/XXXX and XX/XX/XXXX and they confirmed our name was still on their records as bankrupt. Chase said it was supposed to be reviewed in 10 days but it was over the time. She said she will have them investigate this and have it moved up to the top. We are very concerned this false record will inpact our fulture loan abilities
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with experian credit reporting agency disputing incorrect information that is reporting on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts do not belong reporting on my credit report. I am uploading proof from XXXX credit reporting agency to show they did there investigation and these accounts were deleted off my report after it was confirmed. Experian last reported that the information I uploaded to show proof was not acceptable. This is completely wrong as it has been confirmed to delete these accounts off my credit report. If there is a problem then I am at least requesting to block these accounts on the report. My credit reports do not match and if I apply for credit depending on which report they pull can affect me on obtaining credit.
Product: Checking or savings account

My tenant ( XXXX XXXX ) used to send his regular monthly rent via his Wells Fargo Account. He will send money from his Wells Fargo account to my XXXX XXXX account. Wells Fargo has a very faulty implementation of XXXX ( XXXX is from XXXX XXXX XXXX ) for the money transfer.Wells Fargo has no other way to make inter bank money transfer like old traditional ACH. Wells Fargo are forcing to use the wire transfer which is costly. 
My tenant is more than XXXX years of age and this issue is happening 2nd time. 
Every time - myself as well as my tenant has to spend time dealing with non customer friendly Wells Fargo every now and then. 
Today I talked with XXXX and XXXX XXXX during XXXX to XXXX XXXX central time. 
They only have excuses : 1 ) Telephone line is not clear 2 ) You have strong accent 3 ) It's XXXX 's problem - go and follow with them 4 ) It's the  problem with your tenant. You can not talk on their behalf.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$65.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$110.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX. Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

Several fraudulent debt collection accounts are being reported on my XXXX, XXXX and XXXX  credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.
Product: Debt collection

The debt collector is attempting to collect a debt for an item that was disputed and resolved in my favor with my credit card company. The dispute was for services not rendered from XXXX. XX/XX/2016, I purchased a lawn service package from XXXX to plant grass seed & aerate my lawn because it had a lot of bare patches. I tried to order the seeding & aeration services by themselves, but the associate would only sell them as a bundle along with a monthly weed control service. The associate told me that the seeding & aeration would be scheduled that week in XX/XX/XXXX & that I would receive weed control & fertilization in subsequent months to maintain my new lawn. As of XXXX 2016, the seeding & aeration service was never performed. I called numerous times to inquire about the seeding & aeration, but the company continued to reschedule the service. They showed up instead to spray weed control product & fertilizer on a damaged/bare lawn. On their visits, they were only on my property for 1-2 minutes. That was not the agreement that I entered into. I tried to call & stop the other services until the seeding was completed, but the company would not stop them. Finally on XX/XX/2016 I began a dispute with my credit card company because XXXX had not been responsive or helpful. The amount was disputed and resolved in my favor. A few weeks later, I began receiving debt collection notices from Transworld Systems , Inc. for the amount of the services XXXX had delivered that were not in accordance with our agreement. These services held no value because they were delivered without the primary service. This was already disputed through my credit card company and resolved ; however, I continue to receive debt collection notices.
Product: Checking or savings account

My Reliacard account card ID XXXX my Name is XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Address XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX My dispute resolution for fraudulent transactions and identity theft of my Louisiana state unemployment benefits deposited into my us bank reliacard account was stolen. The dispute resolution of fraudulent transactions case was resolved and considered closed and the funds were put back into my account after following and completing the entire dispute resolution process. US bank reliacard account customer service then locked my account from assessing my funds immediately after depositing the funds back into my account. They initiated an account verification process to verify my identity. I then gather all the required documents to submit to them that were required to unlock my account and verify my identity. I was given 3 options of verifying my identity by uploading the documents to there website which I couldnt do they restricted assess of my online account so I couldnt login in order to upload the documents. 2. Was by fax 3. Was by Mail. I faxed the required documents to cardholder services ID CHECK/ VERIFICATION. I faxed my State ID, Social security card, and my XXXX W2. They received my documents and verified the documents I faxed but still havent taken the restrictions off my account. They have now taken the money out of my account from my dispute resolution case which was considered closed and reconciled after I faxed the required documents needed to not verifying my identity even though I have.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A STATE I HAVE THE RIGHTS TO PRIVATY.

15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motors is reporting a repossession on my credit file. This is not a repossession. This account is in good standing.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit report. As a recent victim of a data breach, I am entitled to these protections under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts were fraudulently opened in my name and should be removed from my credit file : XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$2700.00} XXXXXXXX XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$860.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1500.00} XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$3000.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} Additionally, please remove the following unauthorized inquiry from my credit file : XXXX XXXX  Dated : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report 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: Mortgage

The Castle & Cooke Mortgage Co denied the loan and never send the paper work to FHA due my legal status, they said I'm not qualify for buying a house, they told Mr. XXXX XXXX contact me a 1 month ago stated that in order to buy a new house I need to sell the current one, so I sold my because he told me that everything will be ok but 3 days before my closing for the new house he denied my loan due I'm not a citizen, this is descrimination I have to expend money that I never have to use due his acts, XXXX XXXX approve my Loan in less the 3 hours, I bought my house trough them. 
Castle and Cook Mortgage start with illegal questions about inmigration, I'm legal on USA since XXXX, and I bought my first house on XXXX, this is not a good company to do business with, I lost more then {$3000.00} due this guy because just 3 days before we closing he decide not to follow the process. SO HOW IS POSSIBLE THAT XXXX XXXX APPROVE THE LOAN IN LESS THAN A DAY AND CASTLE & COOK TOOK MORE THAN A MONTH TO DETERMINATE TO APPROVE MY LOAN, THEY MAKE ME SELL MY HOUSE AND PROMISE THAT EVERYTHING IS OK AND CHANGE EVERYTHING IN THE LAST MINUTE, THEY DUE THE SAME THING WITH OTHER 2 XXXX IN THE SAME MONTH, PLEASE INVESTIGATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over XXXX and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me transunion is ignoring me and Experian its been 5 months nothing done still