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

Shares of Macys ( M ) fell nearly 3 % at the open. 

Dear Macys, Red Card, and XXXX Information of Inaccurate Reporting, Which includes constant proof of the CFPB and New York Court Judicial Program Crashing Daily for no Apparent Reason ( XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX has been involved with corrupt and deceptive business practices such as scams around XXXX XXXX dollars cash from XXXX that your agency stole through XXXX Wrongdoing at XXXX XXXX XXXX XXXX XXXX and your Sales and Management Representatives under the Name XXXX XXXX, XXXX XXXX, XXXX XXXX and unknown last names XXXX and XXXX including XXXX Known suspects XXXX XXXX and XXXX XXXX who were caught on camera regularly fixing scams inhouse to sell Narcotics on the Sales Floor and During the XXXX 's Parade with XXXX XXXX, XXXX XXXX and XXXX XXXX on a website where the evidence is clear XXXX XXXX was involved in XXXX XXXX which is XXXX, XXXX  XXXX XXXX Your Freelance Signage Setup is non existence in the mens section at XXXX XXXX XXXX XXXX Rhode Island which is very depressing. There are no mirrors in the mens fragrance carousel " Shares of Macys ( M ) fell nearly 3 % at the open. 
Macys XXXX XXXX XXXX said in a statement. While we work diligently to complete the investigation as soon as practicable and ensure this matter is handled appropriately, our colleagues across the company are focused on serving our customers and executing our strategy for a successful holiday season. 
New York XXXX Macys announced Monday that a single employee was responsible for so many accounting irregularities that the company was forced to delay its quarterly earnings report, which the retailer had planned to release Tuesday. '' This incident has been reported to the XXXX Police Department and is pending approval XXXX Police Department XXXX XXXX XXXX XXXX, FL XXXX XXXX General Information Incident Type Narcotics Tip Tracking Number XXXX Report Date XX/XX/year> XXXX PM Reporting Person Information Name XXXX Transcript, XXXX XXXX XXXX Employer Name ( XXXX ) XXXX XXXX Incident Information Incident Location, XXXX, FL Narrative Incident Description Known Websites with XXXX Police XXXX and XXXX Police Department Officers Distributing XXXX. 
XXXX, XXXX  and XXXX with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX along with XXXX  XXXX and Taking Bribes from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. XXXX. XXXX XXXX. XXXX. XXXX. 
XXXX The Regional Office will contact you if it needs more information about your complaint. If you need to communicate with XXXX or submit additional information regarding your complaint, please do not reply to this message. Instead, please direct your correspondence to the above office.We recommend that you print a copy of this message and retain it for your XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fifth request for my credit report. One of their associates said it was complete and the sent another letter asking for more information. I sent them a drivers license and a social security. Now they want a birth certificate. I was not born here and I am retired. What else so the want a XXXX XXXX XXXX XXXX so they know I am annoyed. And you are not helping me. I will send a letter to my attorney and one to you so they know I am what is coming next annoyed. 

They previously sent me a copy of my report how is it they do not have. I will also send a copy of my first page of the report. Why can't you do something about this. 

THIS IS MY FIFTH ATTEMPT WITHOUT RESULTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Checking or savings account

Tried to pay for groceries at XXXX, a store I have been shopping at several times a month since it opened in approximately XX/XX/XXXX, on XX/XX/XXXX with a check for {$190.00}. Check was declined based on information provide by Certegy. Manager resubmitted check, it was again declined. Only recourse offered was to contact Certegy. Cashier said I could use a debit or credit card instead.

Used online consumer contact form to email XXXX Customer Service. Response labeled as case number XXXX said they had forwarded my complaint to the store manager. Since the manager is the one who stomped away from the cash register after curtly telling me my only recourse is to contact Certegy, I consider this a brush off. Case tracking number is XXXX.

Used phone request system to request my file from Certegy. Received the file stating there were two attempted transactions in the past 24 months with their firm, both of them for the one check I attempted to use at XXXX. There are no declined items on file. The reason code provided is XXXX, which states basically that they will not tell me why they declined it. There is no appeal of their decision and no way to make sure they allow checks to go through anywhere they provide check authorization services. Tracking number is XXXX.

Did research on the internet. Apparently Certegy takes into account only people who use checks at companies that use Certegy 's services. They have no visibility into a customer 's credit worthiness or prior bad checks, and so are apparently declining based on whim.

I have not bounced any checks, do have money in the bank, and do have a decent credit rating. The bank account on which my check was drawn is one I have done business with for over 10 years.

Have contacted my State 's Attorney General, the Federal Trade Commission, Certegy, XXXX  and my bank regarding this issue.
Product: Bank account or service

After getting a Citi AAdvantage credit card in XXXX 2015 I received an offer from Citibank for XXXX XXXX miles for opening a new Citi Gold checking account and making specified transactions. I opened the account, made the required transactions, and in various secure messages from Citi I was assured that I met the requirements of the promotion. I was promised XXXX XXXX, miled by XXXX XXXX. Now Citi is claiming that I am not entitled to the bonus as promised. 

I do n't understand how this can be legal. I want Citicard to honor the promise they made to me in writing and post my XXXX miles to my XXXX account Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX for the first time in several years to retrieve my XXXX report to lift freeze and dispute a collection account not mine was unable to access after answering questions correctly. 

I was told I had already received try back 7 days. 

Equifax is reporting a collection debt that has never been mine. I only had a wifi connection with XXXX for tv service. My cellular company for several years has been XXXX XXXX.
Product: Mortgage

I have applied, qualified and have been wrongfully denied by my mortgage lender for a FHA Hamp modification with principal reduction from day XXXX. They have tried every trick in the book to set me up for a Train Wreck and foreclosure .I have filed over XXXX complaints which has done absolutely no good at all. Please tell them that I do not want the co arrowheads name on my new modification. Please tell them that I want and deserve to be treated with respect, I want to know all the details and a clear Disclosure before I sign and return this modification paperwork they sent me on XX/XX/2015, they tell me that if I do not sign and return before XX/XX/2015, I will not get another chance hamp offer of any kind and basically my home will be foreclosed on. They will not tell me what my new interest rate will be or how much I will actually owe on my home when the modification is finalized. They say that the x co harrower s name will still be on my new loan even though I have a special war amity deed, divorce decree giving me full responsibility and ownership, and a restraining order against him. 

Example:
Product: Credit reporting or other personal consumer reports

Several accounts that show up as closed are on my credit reports that aren't mine. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect I want this information to be reviewed because it does not belong to me and it is doing a lot of damage to my credit history.
Product: Checking or savings account

US Bank is not a trustworthy nor honest institution. They should be investigated by the Federal Consumer Protection Agency, Federal Reserve and the FDIC for screwing hundreds of hard working Americans like me. Here 's how they scammed and shysted me : First they bilked me monthly for what they call a processing fees, which are actually hidden monthly service charges on a maintenance free account, Their customer service is designed to dissuade callers from getting any recompense. Now that I no longer needed such a bank, I wrote a {$24000.00} check to clear my balance, money I needed to pay for my departed brothers bills. US Bank cleared the check, so I took my money out of my local honest bank. Then later US Bank bounced my good check back for no legal reason, only in my opinion because some greedy banker of theirs wanted to keep my funds longer than the many months they had without cost to them. Not only did this one sided ruse cost me a bounced check fee, I had to pay bank loan fees to settle my debt. Now after XXXX calls to get this resolved, their open ended promises that a banker would call me never happened. US BANK DOES NOT CARE HOW THEY HURT PEOPLE. I went though a lot of anguish and lost sleep over this and I've still not settled with the crooks. US Bank owes me now, with interest and fees, {$24.00}, XXXX to date and counting, and am requesting they pay me now with a GOOD cashiers check by XXXX  XXXX.
Product: Money transfer, virtual currency, or money service

on the date of XXXX XXXX .PNC BANK provide a cashier check in the amount of / {$10000.00}, without my written permission for an alledged debt. this caused me damage/ during the pandemic.
Product: Credit reporting

Account was disputed multiple times and validated as correct, I then sent IRS XXXX showing their report was incorrect and they finally corrected. They are now reporting the old information and again have stated they validated as correct even though I have provided proof the account has been settled and has a XXXX balance.
Product: Checking or savings account

US Bank denied my request for a statement when I was in the branch closing out my account XX/XX/XXXX. I handed the teller my debit cards for business and checking, clearly requesting a permanent closure of my three accounts. I knew without a doubt I had at least XXXX dispersed in three accounts yet US Bank continued to deny that I did. Finally they mailed my bank statements and clearly in two places it shows more money. On my business account statement it says ending balance on XX/XX/XXXX {$1200.00} and on my personal account it says ending balance XX/XX/XXXX {$340.00}. Why is it saying a balance is there when I closed this account? If there is still a balance then this is the money Im missing. They provided explanation of the check I was given. Yes that was the balance of my savings account. The teller handed me one sheet of three separate checks I thought it was the total refund for all three accounts but no it was only the refund of my savings with duplicate receipts. 

Furthermore I closed this account permanently yet got a recent email saying my bill payment was returned. Im not there anymore yet US Bank paid a bill and then reversed the bill for NSF and I was charged {$15.00} by my creditor for their error. 

Yes Im grateful US bank sent me statements that tell me I had more money in my accounts and now I can prove they stole money from me. People are complaining constantly about big banks removing money from their accounts and Im needing legal counsel because US Bank did not return my money and the bank teller REFUSED TO GIVE A STATEMENT when I closed the account. Plus now I had to pay a {$15.00} fee for us banks error.
Product: Student loan

XXXX XXXX at Direct Account Management gathered general information from me on XX/XX/2022 at XXXX XXXX and said I was pre-qualified for an income based loan forgiveness that worked with the Department of Education . It would save me about XXXX XXXXXXXX of interest. After 60-90 days, my loan at XXXX ( my current student federal loan service ) will reflect {$0.00} and I will make 6 monthly payments of {$200.00} that would go into escrow during the transition period. After that, I would make 240 payments of {$230.00}. This is a total of {$54000.00} of my loans. To continue this income base loan forgiveness, I need to provide 2 recent payment stubs annually. After explaining the payment options, which seemed too good to be true, he sent a document via text. He said I needed to sign and initial the document sent to my phone. I said I needed time to review the document and he said its the standard contract nothing I should worry about. At this point I felt pressured. So he started sending me other texts like his direct line to ensure me its fine. Once I signed the documents, he said I need to provide 2 recent payment stubs by this weekend to fully submit my application. Also, he read a summary and asked me to acknowledge my understanding. I was uneasy when I said yes and very vulnerable thinking I was actually getting help. After I speaking with him, I called back immediately on his direct line to cancel and he said that if I feel uncomfortable that he would walk me through the FASFA website. Luckily, I received another call and had to end the conversation. I have not spoken with XXXX since then and I feel very uncomfortable with the Direct Account Management service. I feel very uneasy. They have all my personal information, including social security #, credit card, home address, name, date of birth, and he created an XXXX account for me. I have a copy of the documents I signed, which seem to be a power of attorney, that I can provide. 

Here is the text he sent with his contact information : It was a pleasure speaking with you today and I am very happy I could help. 
Feel free to respond here on this Texting Only line - or if you wish to call me please Dial my direct line which is XXXX. Do not forget to turn in your POI at your earliest convenience. Take care! XXXX XXXX, XXXX XXXX XXXX. 
Email - XXXX Fax - XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received multiple inquiries, that I didnt apply for.
Product: Student loan

I submitted PSLF and Mohela said I qualified and then discharged my loans from my account in XX/XX/2023. In XXXX I received an email saying my loans were in administrative forbearance, so I called. They said they made a mistake when they forgave my loans so I needed to recertify and start paying.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX gave me a car loan through a car dealership. The loan was given to me and I signed the contract and drove off with the car. The bank called me XXXX weeks later stating they forgot to do the fraud alert verification with me. When they call however they give me a number to call to do the fraud alert verification yet the numbers they give you are fake ( travel agency number, XXXX number, but not XXXX XXXX  ). So they call me for the XXXX time today and they did not do the fraud alert verification again. They did not do this when I purchased the car and now they are refusing to do the alert. They call me but never intend to do the verification. They are intentionally delaying the process. They are discriminating and are becoming XXXX.
Product: Debt collection

They are saying I owe a XXXX phone bill which they said that they were going to take care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

the reporting agency Equifax has been continuously disrespecting my rights and has no respect for the law, professional credit services which is another reporting agency has requested for this account to be delete since XX/XX/2023 because of my complaint with the cfpb complaint XXXX XXXX and XXXX as shown in the attachments and today is XX/XX/2023 and the account has still not yet been deleted the company had to follow up again on XX/XX/2023 because of my recent complaint again in this month of XXXX with the XXXX complaint and I have been getting this BLNK error for over 6 month and have not been able to access online credit freeze or lock while my family and friends can access theirs which is really unfair I just want to be treated like a rightful citizen of America and Equifax should compensate me for this distress or my lawyer will be reaching out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax on XX/XX/XXXX, regarding XXXX XXXX. XXXX ( XXXX ) has reported that I am late, lowered my credit limit, charged XXXX in interest XXXX wrongfully ),  and has started harassing me. I uploaded 5 pages of documents showing that when I made the purchase, I signed for 48 months NO interest equal payments. They stated that Equifax verified the debt. There is no way they have signed papers after XX/XX/XXXX which is when I made this purchase. Equifax failed to actually look at my documents and verify what the lender sent. This has caused undue stress and a continued lowering credit score. According to the Fair Credit Reporting Act, they have an obligation to verify and have failed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the reversal of late payments reported on my credit history. All payments should show OK or not be present. I understand the importance of maintaining a positive credit profile, and I am committed to rectifying any discrepancies in my credit report. 
I have recently reviewed my credit report and noticed that late payments were reported on the following accounts : XXXX XXXX XXXX # XXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX Bank : XXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX XXXXXXXX XXXX Account # XXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 Section 602 : A. States I have the right to privacy.

15 USC 1681a 2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1618s-3 of this title, any- ( i ) -a report containing information solely as to transaction or experience between the consumer and the person making the report.

15 U.S.C 1681 Section 604 Section 2 : States a Consumer reporting agency can not furnish an 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 the 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In my notice of dispute dated XX/XX/2024 ( See attached supporting document # XXXX ), sent via USPS certified mail with electronic return receipt, I notified FactorTrust of my dispute of inaccurate information in my FactorTrust Consumer Disclosure Report.

Pursuant to the FCRA, 15 U.S.C. 1681 et seq., the 30-day statutory deadline for FactorTrust to reinvestigate and respond to my notice of dispute was XX/XX/2024. FactorTrust failed to reinvestigate and respond to my notice of dispute. 

In my SECOND notice of dispute dated XX/XX/2024 ( See attached supporting document # XXXX ), I notified FactorTrust of my continued dispute of inaccurate information in my FactorTrust Consumer Disclosure Report. 

Pursuant to the FCRA, 15 U.S.C. 1681 et seq., the 30-day statutory deadline for FactorTrust to reinvestigate and respond to my second notice of dispute was XX/XX/2024. FactorTrust failed to reinvestigate and respond to my SECOND notice of dispute. 
Despite my continued efforts to resolve this matter amicably, the inaccurate information remains in my FactorTrust Consumer Disclosure Report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX once again illegally shared information about their case against me with a third party. 

Previously, they had mailed information to my father. Their response indicated that they were required by law to send such materials to my physical address instead of my mailing address. However, what they sent was just a regular notice of garnishment. They had sent them to my Post Office box previously and did so following the incident. 

This time, on the afternoon of Friday, XX/XX/XXXX, their agent knocked on the door of my father 's home, handed him a Motion for Revivor of Judgement, and left. It was not in an envelope. My father is willing to testify to this is court. 

Moreover, I've researched the company and they have a long history of such tactics.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX XXXX true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX  XXXX