23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD TRANSUNION ( IDENTITY THEFT & FRAUD XXXX XXXX VIOLATION FCRA Letter Date : 1XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY FINAL LETTER CONCERNING THESE 8 ( FRAUD ACCOUNTS ) BECAUSE OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *.I DEMAND THESE ACCOUNTS BECOME DELETED OFF MY CREDIT REPORT! * Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( XXXX ) with the intention of trying to improve my credit and take care of my responsibilities and noticed these accounts that I wanted way more detail explanation on, and they need to be deleted/removed from my credit report. I'm demanding that these fraudulent accounts be removed the final time permantly never to return or I will be forced to sue in the court of law!. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 
FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 

Collection Account XXXX : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account XXXX : XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account XXXX : XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Collection Account XXXX : XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Collection Account XXXX : XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Collection Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX XXXXXXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Consumer Financial Protection Bureau Complaint # XXXX Macys account ending in XXXX Dear : Mrs. XXXX, It appears that the Department Stores National Bank ( DSNB ) may need to reassess their decision to have asked you to review and  respond on their behalf. 

Based on your response to this complaint, it appears that you are not capable of handling this complaint and is deeply concerning. 

In response to your response to my complaint you stated, " Our research determined that you were attempting to download the statement prior to the statement closing date, which means the statement was not yet available. '' Mrs. XXXX, this claim is not true! 

Attached is screen shot of the date XX/XX/XXXX that shows that the system does not allow you to download the statement in PDF, and only allow you to download the spreadsheet option. Having to wait 6 days after the statement closing due date is unacceptable. 

Secondly, in your next quoted statement where you say, " We found no correspondence sent to you which provided you with the information an {$11.00} minimum payment was due. '' For you to say, " If you can provide additional information to the above address we would be happy to research this further. 
And not even look at the complaint shows that you have no respect for customers sincere concerns and honestly is quite embarrassing. 

Actually it doesn't take any research at all, all you have to do is look at the attachments to the complaint. The evidence clearly shows that information was sent to me by email from Macys showing a balance do was {$11.00}.

Can you please explain Why are you asking me to provide additional information to your address to research this further and Why are you apologizing for difficulty, l experienced with viewing my statement online when that information is attached and available right now in the CFPB complaint and not even thoroughly look at my response? 

I would request that you relinquish yourself from addressing this complaint because you obviously don't take this complaint seriously. 

Sincerely, XXXX XXXX XXXX cc : -CFPB -Main Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX -Macy 's XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

XXXX XXXX XXXX XXXX As you can see I have been violated and due to the damages that have been done to my report, you are civilly liable to me in the amount of { {$8000.00} }. 

I will attach screenshot and bureau supposed investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

According to USC 1681s-2 ( a ) 1 ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer that specific information is inaccurate and ( ii ) the information is in fact inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received a letter that my Federal Perkins loan with ECSI are due on XX/XX/XXXX. Due to Biden 's memorandum, the government website states all Federal Perkins Loans, under ED and not under ED are included. I recently XXXX XXXX XXXX  and just was able to secure a part time job after dealing with the medical treatment she needed as well as the loss. I asked if they had income driven repayment plans, and they said no. How can they expect people to afford hundreds of dollars of payment every month? They mentioned a forbearance, but I have been doing that for the past 3 years and it has built up unreasonable interest and I can't do that any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to the third party because XXXXXXXX XXXX XXXX can not be reached but you all are facing multiple violations. 

To Whomsoever it May Concern ; This is about the Consumer credit Transaction initiated on with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing.

In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX & Experian ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and Experian are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization named XXXX, XXXX, and Experian is affiliated, it has still violated the provisions of FCRA. PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control.

Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to remove the below-mentioned information from my Consumer Report ; ALL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, If you accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter
Product: Vehicle loan or lease

On or about XX/XX/XXXX. I refinanced my auto loan from Wells Fargo to XXXX XXXX. 

Wells Fargo was supposed to send title to XXXX XXXX in XXXX. I received a call from XXXX XXXX in XXXX saying they did not have the title and could not finance unless the title was received. 

All money went to Wells Fargo. 

XXXX XXXX then said they would contact Wells Fargo to get the title. 

Fast forward to XX/XX/XXXX. The loan was paid off at XXXX XXXX and in turn a home improvement loan was done where the vehicle was used to secure that loan. 

At the time I agreed to the loan, I was told they would send me the title and I would then send it back to them, so they could be the lie holder. Why didnt the representative state at that time that XXXX XXXX did not have the title. 

Today ( Saturday XX/XX/XXXX at about XXXX am ) I spoke with XXXX and a person named XXXX who said he was a supervisor. 

At the time of the new home improvement loan, I was told I had 90 days to get the paperwork they were sending out to me back to them. 

Its been months and since I never received the paperwork I called today and spoke to XXXX. Aweful Customerservice.
Product: Checking or savings account

Declined transaction through XXXX on my chase app for {$250.00}. Transaction still went through. Contacted chase to dispute, they will not reverse payment.
Product: Credit reporting or other personal consumer reports

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number : XXXX
Product: Debt collection

The company Square sends me an email daily saying that a payment of {XXXX} did not go through and I need to pay them. They are sending the email to XXXX. They say it is for an electric company called XXXX XXXX in XXXX, Iowa. This has been going on Since XX/XX/2022. I have responded to the email with cease and desist. I have called XXXX XXXX and he said he didnt know how to stop the collection activity. I have called Square and they said they could not stop it and that XXXX XXXX would have to do it. They are violating FDCPA law. I am tired of the harassment. Please help me.
Product: Credit card

KeyBank is charging a {$51.00} interest charge on purchases despite the balance being paid in full prior to the monthly due date. Their printed statement states, " Paying Interest : ... We will not charge you interest on Purchases if you pay your entire balanace by the Due Date each month. '' The monthly statement from XXXX/XXXX/16 to XXXX/XXXX/16 includes a previous balance of {$7200.00} along with payments and other credits of {$7200.00}. When customer service was called, the representative indicated that they would not refund interest charges and indicated that interest in incurred daily. When I disagreed and told her that was true unless the balance was paid in full, she hung up on me. I called back upset and spoke with another representative. She indicated that there was nothing that she could do other than create a ticket number to have my account reviewed. I indicated that I did not want a ticket number and wanted to be transferred directly to someone who could review my account as I had recently called about another issue 3 times with no call back when issued a ticket number. The representative could offer no help other than a promise to call me back ( which has been made before ) and could not provide any information why an interest charge was being applied. I have a ticket number for the request but am not confident that the issue will be resolved given their past performance of not calling me back. The representative could offer no resolve on my previous ticket number either so they are clearly not looking into the issue reported in XXXX 2016, giving me no reason to believe they will look into this one.
Product: Debt collection

PINNACLE CREDIT SERVICES, This collection company contacted me and reported to the credit reporting agencies without a collection License in the State of XXXX?? I Got on the state of XXXX web siteand they were not licensed in XXXX. Therefor I contacted the state of XXXX. I want all collections from this company removed off my credit reports.
Product: Credit reporting or other personal consumer reports

According to the FCRA reporting act I am privileged to have a fair accurate credit report and any inaccuracies found must be corrected and made correct to the positive standing and reflect XXXX inaccuracies XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX INACCURACIES, LAST REPORTED DATE XX/XX/23 please also missed
Product: Credit card or prepaid card

Please see correspondence to Klarna below : I made a purchase at XXXX XXXX/XXXX  online for {$370.00} using a Klarna one-time card. Of this I paid {$65.00} up front. 

I returned this item ( green circled item on receipt ), along with 2 other items purchased at XXXX XXXX ( see the receipt attached ). XXXX XXXX returned the ENTIRE return to the one-time use Klarna card ending in XXXX ( see the red circled area on the receipt. ) even though the other 2 returned items were originally paid with my private debit card. 

Please advise what you all have done with the excess {$120.00} that was refunded to your one-time use card. XXXX XXXX is unable to produce any further transactions because the money has now been released to that Klarna card. 

Please note I have contacted Klarna twice previously ( via chat and phone ) and was advised to email this picture as proof that Klarna was the recipient of these excess funds. 

Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY FOURTH OR FIFTH COMPLAINT WITH THIS COMPANY MY INFO HAS BEEN STOLEN AND EQUIFAX REFUSES TO LISTEN TO MY REQUEST. I HAVE SUBMITTED SUPPORTING DOCUMENTATION TO PROVE MY CASE. FTC REPORTS, POLICE REPORTS, IDENTIFICATION, AND THIS COMPANY WILL NOT INVESTIGATE MY SITUATION AND REMOVE THE FRAUDULENT INFORMATION. I SUBMIT THIS DISPUTE YESTERDAY AGAIN FOR THE SAME UNAUTHORIZED INQUIRIES AND MY INVESTIGATION WAS COMPLETED WITHIN AN HOUR. THIS IS INADEQUATE TIME TO INVESTIGATE 15 INQUIRIES, WHAT INVESTIGATION WAS DONE WITHIN 1 HOUR?! THIS IS THE THIS HAS BEEN AFFECTING MY CREDIT WORTHINESS AND MY MENTAL HEALTH IN THE TIME OF A PANDEMIC, I PLAN ON SEEKING LEGAL ADVICE BEYOND THIS POINT, FOR THIS COMPANIES FAILURE TO FOLLOW THE ACTS OF THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a 1 year loan from Marcus by Goldman Sachs on XX/XX/XXXX total amount of {$1000.00}. I have made payments, every month since getting this loan. Now at the time of the Loan I was receiving unemployment, I then asked a rep would I be able to make early payments or pay a little more each month since I didn't know how soon i would get a job once unemployment stopped, she verified and stated that would be fine. i made payments and not until late XXXX noticed anything was wrong. By then I had paid off majority of the loan and was now making XXXX dollar monthly payments. I noticed because i check quite frequently that Marcus had reported my account a couple days late. I called the date of XX/XX/XXXX them explained the situation they assured me they would handle it and someone would get in contact with me to rectify the late reporting and missed payments reporting on my account the reps name was XXXX and she also spoke with her supervisor. They both assured me and agreed that i was right and it would be corrected to call back regarding the case file in 7-10 days, in which i did and it was not completed. I response to that I received a call back asking when can i pay the remaining balance and the only calls i have received since than are collection calls asking when i am going to pay my balance.For starters XX/XX/XXXX has not even passed yet i owe only XXXX dollars left how am i 4 months late on payments when i have made payments every month since than and even paid most of it off early. All they do is email me about my report being closed to make payments and update my report as of going over 90 days late yet they have not responded to my letters, emails, or responded back to my original complaint. They now have my account reporting as closed, reporting as late, which is incorrect reporting, which in results have dropped my credit score a-lot. I have asked for an investigation, they have not completed it, or if they have i have not been notified of the decision. It has been months, I have called in XXXX, several times, in XXXX around XX/XX/XXXX and continuously the whole month as well as sent letters and an email, no response. Also reading in their agreement no where does it states a penalty paying off more than the estimated amount. it says no penalty if paid off early right at the bottom of the agreement.
Product: Credit reporting or other personal consumer reports

I don't agree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

Account Name & Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was informed by Venmo that my account was temporarily closed and I needed to verify my identity by submitting a picture of my photo ID. I sent a picture of my drivers license. I then asked for specifics as to why my account was frozen. On XX/XX/XXXX I got an email stating that my activities go against their user agreement and my account will be permanently closed. I again asked for specifics and was told they will not give that information out and to check the user agreement. However I was unable to locate anything that I violated in the user agreement. They then told me they can no longer help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to XXXX which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX  XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. Phone number : XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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 or other personal consumer reports

They REFUSE to remove fraudulent accounts that HAVE BEEN REMOVED FROM OTHER BUREAUS ALREADY! They are violating my rights and hurting my ability to obtain credit by not removing these accounts.
Product: Credit card or prepaid card

In the summer of 2018 I received an email from USAA, my credit card company stating there had been a change completed to my account. Once I logged on, the company had reduced my credit limit from {$18000.00} to {$2500.00}. They said they ran a random check of my credit report and lowered based on the score. Now, this is not a brand new card. I've had and used this credit card my entire adult life ... Well over 30 years. I never have had my credit lowered by any company. In addition, I know I had taken a hit on my credit score so I wanted to improve my income to debt ratio. I paid off my entire balance with USAA in 2018. My balance was approximately {$14000.00}. Due to the company lowering my credit limit, it lowered my credit score drastically. Thus, as I have been actively working to improve my credit score, USAA continues to thwart my efforts by lowering my credit limit. It completely affected my income to debt ratio, which is why I paid off the debt completely. I could still be running a balance with USAA and they would not have touched my credit limit. 

I believe USAA is manipulating it's credit to it's members. I had USAA for my homeowners insurance and I dropped their coverage. Shortly after this, they lowered my credit limit. 

Since my credit limit was lowered by over {$15000.00}, I've had to work to try to improve my income to debt ratio. {$2500.00} was not much for me to use. I have newer cards where I was automatically given a {$5000.00} credit limit. Twice as much as USAA authorized for a 30 year member. It was improving my income to debt ratio. 

This weekend, USAA continues their deliberate attacks upon my credit again by lowering my credit limit to just {$500.00}. This time it is for non-use of the card. This is ridiculous. I've been with them for over 30 years. It's probably been close to a decade or longer where I had a late payment. I still have their auto insurance. My payments with my other accounts are on time. 

Actually, my payments to all of my accounts are listed as 99 % on time.