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

XXXX XXXX XXXX XXXX on XX/XX/2019 because of refinancing current home, notified me of 1 outstanding bill from Macys. First  time I heard of bill.Contacted Macys who told of bill being sent to old address, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ.and was never forwarded to current address of XXXX XXXX XXXX, XXXX AZ. Also said they left a voice mail which I never received. They indicated I should contact Post Office for tracking, Post office said they said do not do tracking on letters. Contacted Macys again and said nothing they can do. This discrepancy lowered my credit scores 100 points. Contacted credit score services, XXXX, XXXX. After investigation said theres nothing they can do. Asked what type of investigation was performed, but could not respond. XX/XX/2019 went to credit department for Macys in XXXX, Az but said they dont handle such matters. They recommended going to service department in an actual Macys store. When I did go to store they told me there is nothing they can do. Therefore no recourse for Macys errors.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ), [ 20 U.S.C. 1232g ; 34 CFR Part 99 ], protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Under FERPA, educational institutions and agencies are required to prevent unauthorized disclosure of personally identifiable information from student records without the students consent, except in limited circumstances. This includes financial aid data, contact information, and academic records.

Given the severity of this breach and the resulting compromise of my personal and financial information, I am invoking my rights under FERPA and relevant privacy protection laws. As such, I am requesting that you : 1. Immediately cancel and discharge my student loan debt in full.

2. Provide me with a written acknowledgment of the privacy violation and your remediation plan.

3. Ensure that any additional records containing my information are safeguarded or deleted, as required under federal privacy protection standards.

Additionally, I reference my protections under the Privacy Act of 1974 [ 5 U.S.C. 552a ], which governs federal agency handling of personal information, and the Higher Education Act of 1965 [ 20 U.S.C. 1092 ], which holds agencies accountable for improper use or exposure of student data.

Failure to comply with this request may result in further legal action and reporting to the Department of Education and the Office of Civil Rights. I trust that you will prioritize resolving this matter promptly and in accordance with applicable regulations. 

Please confirm receipt of this request and provide a timeline for resolution.
Product: Money transfer, virtual currency, or money service

I am writing to express concerns about Zelle 's handling of disputes, especially following the recent CFPB lawsuit exposing major issues with the platform. Despite multiple uses and reporting discrepancies, my financial institution and Zelle failed to properly investigate my claims, stating that recovering lost funds and tracking transactions were impossible. The CFPB 's findings show that Zelle has neglected consumer protection, allowing repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling.
Product: Debt collection

I am a small business owner and went on a vendor/wholesalers website to purchase items. I was told we could get credit with Acima and make payments on items we purchased to SELL in our stores. I made 2 purchases and one was {$870.00} and the other was {$470.00}. So Acima stated this is rental property and would have to pay {$1700.00} for the first and {$950.00} for the second. I reported a loss of income due to being sick and I missed the early purchase date. Then I was told I could not sell the merchandise until I made all the payments. I asked how am I to make money if I could not sell the items I purchased in my store and why was I being charged so much. I contacted the original owner and she stated that is why she stopped using Acima because of their deceptive practices against her customers. Acima told me I could return the merchandise but I will lose all the money I have paid so far which is almost {$2000.00}. The merchandise will be out style and out of season by the time i ma done paying off the lease. I think this is predatory lending practices due to the price and then they keep changing my payment amounts and how the take the XXXX from my account then lie and say they havent changed it but they have. The products I have, have already depreciated in value because they have been sitting there so I am paying on products that i will not be able to sell and i will be out of over {$3000.00} in the end. The products arent event worth {$3000.00}. I think Acima lending practices are a totally rip off and I want my money back or my lease end at hos much the product is worth when I acquired them.
Product: Credit card or prepaid card

At roughly XXXX XXXX  on XX/XX/2022 my phone was stolen out of my hand while I was using it in public. As a result, the burglar was able to get into my password protected phone, and sent/spent over {$15000.00} using XXXX PayPal and XXXX linked to credit cards and checking accounts with XXXX XXXX XXXX XXXX, XXXX, PayPal Credit/Synchrony and XXXX  XXXX XXXX XXXX 

I notified all of my banks ( XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, PayPal/Synchrony ) of this situation the following day. XXXX XXXX, XXXX and XXXX reversed the transactions. XXXX  XXXX XXXX and PayPal/Synchrony , however, did not.

PayPal Credit/Synchrony did not reverse {$2000.00} in charges from PayPal Credit sent to two individuals, and stated over the phone that it was my fault that this occurred. They stated that if I did not pay this balance that it would be sent to collections, so I paid the balance. 

XXXX  XXXX XXXX sent a notice by mail with instructions for submitting a fraud claim. I submitted the fraud claim but did not receive a response for some time. After closing the previously near XXXX balance account, it now appears that XXXX  XXXX XXXX did not reverse a fraudulent {$3000.00} phone purchase at an XXXX  Store in XXXX XXXX, NY, an {$800.00} XXXX ride and {$60.00} in purchases from stores in XXXX  XXXX  XXXX, and has added {$720.00} in late fees, interest and charge off fees, and has now sent the balance to collections.
Product: Checking or savings account

PNC Bank sent me an offer to open a new checking account with direct deposit which can pay me {$500.00} cash back upon meeting their terms and conditions. It was offer specially for me - as it was sent to me - at my address and with my name. 
But when i tried to open the account-application was denied. with the reason - go and talk to XXXX XXXX XXXX 

If there is an issue- why pnc bank is sending such offers? 
why can't they run the check and then only bother the customers? 
it's a serious waste of time and money.
Product: Debt collection

My complaint is about FIRST CREDIT SERVICES XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX I am writing to formally dispute a debt collection account that has been reported to my credit report. I believe this account is inaccurate and violates my consumer rights under multiple consumer laws which I will list below, each violation of my consumer rights will be met with legal action if not removed immediately. This debt is not owed, nor do I recognize this debt and have no record of it. This alleged debt is not legally enforceable. You have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ). And you have also not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) .FIRST CREDIT SERVICES has zero authority to furnish anything to reporting agencies without providing any and all disclosures REQUIRED by law, you are in clear violation of CFR 1006.34 ( d ) and 15 USC1681-S2 ( 7 ) ( A ) FIRST CREDIT SERVICES has engaged in harassing or abusive behavior, such as repeated calls, threats, or false statements, due to this violation of my rights I have experienced hardship both physically and mentally and will be seeking damages if not removed. 



I request that you investigate this matter and take appropriate action to correct the inaccuracies in my credit report. I also request that the debt collector cease all collection activity on this account. My final request is that you furnish the purchase agreement between you and the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are reporting inaccurate information on my credit file. XXXX Acct # XXXX is reporting lates on XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX. This information is not correct. I have sent documentation showing the information Transunion and XXXX  was reporting incorrectly. XXXX acct was included in my Bankruptcy Docket # XXXX XXXX in XX/XX/XXXX. I have sent more than enough documentation showing proof, and that they are in clear violation of the Bankruptcy Law act. But they have failed to contact me or remove this information. I have attached documentation showing proof of my discharge date.
Product: Credit card or prepaid card

Macy credit my account for {$6.00} for the past 3 months due to interest fees that were charge. I was told that they were charge incorrectly and credited and to reach out to a XXXX to get the late payment removed due to being late for 31 days for a {$2.00} interest fee that I was never aware of or contacted. My account was suppose to be no interest until XX/XX/2022. When I called the number provided, they seen the credit but could not update the incorrect late remark that was placed on my credit report. The account is up to date and has been credited correctly. I just want the late remark removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

Background : XX/XX/2016 I was the victim of check fraud while I was out of the country. Bank of America reimbursed me the entire amount within 48 hours and I was very happy with their promptness. I 'm a XXXX Veteran and receive both VA and XXXX so my income while not poverty level, it is fixed. 
The problem : on XX/XX/2016 as I was checking in to a hotel XXXX miles from home I was told my visa debit card was declined. When I checked my account I was stunned to see that there was a {$600.00} debit that wiped out my account and caused an overdraft of over {$300.00}. More shocking news considering I had no idea what had happened and thought I was a victim once again of fraud. I called the bank and after an hour on hold and being rerouted three times I was informed that I had been overpaid when they reimbursed me and they took their money back. No warning, no emails, no phone call and no letter. I begged and pleaded with the fraud dept to please hold off until my social security check came so I would n't have to borrow money to cover the overdraft. I was informed that they " had the right to take their money whenever they wanted ''. End of discussion. I had money sent to me and I covered the overdraft. Needless to say I was embarrassed, shocked and in the throes of an anxiety attack at this point. I felt victimized again. The fraud dept. at Bank of America treated me like I had done something wrong even though they never notified me of an overpayment. I do n't even know if they 're correct. I 'm assuming they are and I was n't trying to get something that was n't mine. I was shocked at their treatment of a XXXX XXXX who has been their customer for 20 years. It seems to me that none of this should have happened to begin with if the fraud dept had done their job in XX/XX/XXXX when the checks were written. I had informed the bank that I would be in XXXX for two weeks and over {$4200.00} in checks were written in the XXXX XXXX XXXX XXXX while I was gone. I 'm angry and upset over the way I was treated. They took their money as is their right and I will be taking my money out of their bank and closing my account as is my right too.
Product: Student loan

I have a several private loans that I procured and when I lost my job I was unable to pay them in a timely fashion. I had co signors for these loans. I have since started working and I started to make small payments on getting these handled. I am currently working through Navient. I was unable to make the payments for a while so I was not able to make the payments. I got a call last month stating that the only payment options would be gettting a loan to pay {$11000.00}. This would remove the co signors from my loan. I told them that I am not able to pay that amount all at once. They suggested borrowing money, asking for a loan or using a credit card. I told them that with my credit history due to my defaulting on loans. It was not an option They gave me another option to pay {$35000.00} and the amount would be settled. Again, I do not have access to this money. They say they will reach out to my co signors and ask them for the money. I told them, I understand that I asked for a loan and that I have a co signor but they are not in the position to help and I want to take full responsibility to clear this up. I do not want them to harass my co signors. I also want them to be able to understand that i want to make a payment plan that is affordable for me. The last option was to pay a down payment of {$2500.00} and then pay $ XXXX/month. None of these options are financially viable for me. I am renting a room, i pay child support and I have other obligations that I am paying. I would have no money to eat or live if i were to accept this. Because these are private loans I have no option to consolidate these loans with my other Fed Loans ( which are currently being worked on and has been an easy process so far ) I feel like i was taken advantage of when i was younger and unaware of the credit implications later on down the road. I want to make these payments but they are not working with me. I do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person by the same first name as me is showing up on my consumer report. We have different last names and I do n't know this person. Previously, in the past 2 months I have received phone calls from marketing companies asking for this person. And last week I received two pieces of mail addressed to this person.
Product: Credit reporting or other personal consumer reports

I am filing this complaint in regard to a notice of dispute I initiated with EQUIFAX. I told them I needed inaccurate information reinvestigated and they responded to me weeks later ( WASTING MY TIME! ) by saying they need to verify that it is me. I have already initiated a dispute with EQUIFAX just recently prior to this dispute so why do they need to verify that it is me. I have reason to believe that this attempt is a stall tactic. I want the accounts in question promptly reinvestigated immediately. I have very important things to do, and I will not allow EQUIFAX to intercept that. Per 15 USC 1681i ( a ) CRAs are required to do a 30-day reinvestigation upon notice promptly. This company was already provided with proof of ID.
Product: Credit card or prepaid card

I had a joint account with pentagon credit union with my wife in 2018 we divorced, sold our home, and paid all of our credit cards off I wanted to close the account out but pentagon assured me i could just be removed from the account. we talked and i asked for an email with evidence of it to make sure. 
i was sent an email the day of my removal with a balance showing i did talk to them, i also was removed from most parts of it but they missed one thing. 
later on i noticed it on my credit report, i called many times, they said they couldnt find any link of it so i submitted for it to be removed from XXXX twice but they Pentagon then would say i am part of it. 
my ex died recently and then i get a call from pentagon saying im on the hook for it, I have called many times since and keep running into issues. 
the second before the last time i called, a lady finally found me linked to the account but her supervisor told me tough luck even though i explained the chain of events. 
the last time i called they wouldnt talk to me till i submitted my id cause they couldnt verify my date of birth when i called. 
this is stressful and i feel powerless to do anything outside of spending a ton of money to prove this isnt fair so my credit score isnt killed completely cause they are dinging me for late payments since her death.
Product: Credit card or prepaid card

On or about XX/XX/2020 I was contacted by the credit card via text about a potential charge to my account. I called the company and based on the information they provided, I informed them that the charges were not made by me. They took all my information and asked if i had the card in my possession which I did. They said they would freeze the account, send me a new card and start the investigation process. Two charges were made online to a XXXX XXXX  for the same amount. I reiterated that the charges were not made by me. I have never purchased anything at XXXX XXXX. I inquired what were the items purchased and they would not give me the information. A few days later i received a letter stating that the charges were being investigated and they would be credited from my account after being charged. 

On XXXX XXXX, 2020, I received a letter stating that there was no indication of fraud and the charges would appear on my next statement. I called the company and disputed the charges again. They stated that because I had the card on me and it has a chip, the charges were made by me. This is obsurd as they would not give me any information on the nature of the charges or what was charged. I threatened to get an attorney to assist in resolving this matter. 

On XXXX XXXX, 2020, I received another letter stating that " we're happy to tell you that your fraud investigation with captial one is now resolved '' which I do not understand what they are talking about since they did not credit my account for these fraudulent charges as they were not made by me.
Product: Debt collection

AmSher Collection Services , Inc . Attempted to collect a debt via email on XX/XX/2024 which is a violation of 15 USC 809, 15 U.S. CODE 1692 ( C ) ( A ), 15 U.S. CODE 1692, 15 U.S. Code 1692c. This debt is the result of identity theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed that I was a victim of identity theft and the Equifax data breach. I became aware that my personal information, housing locations, Social security, birthdate and other information was compromised when my information was leaked. Since the Breach, I have discovered several negative and unauthorized accounts that were not opened by me. I did not authorize these accounts or transactions and have taken immediate steps to secure my personal information. There are a list of account that have been affected and I am requesting that these accounts be closed or flagged as fraudulent and that the activity is not reported to my credit. I also request a copy of the Identity theft report for my records. I will be also submitting my government Id and other relevant identifications as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is attached copies of information sent to Transunion. This information was sent on XX/XX/2023 to update my personal PRIVATE information on my consumer report that was ILLEGALLY obtained and released by TransUnion, LLC. TransUnion, LLC has not updated my information. TransUnion has not responded to my request. TransUnion is in violation of the law. This has negatively impacted my life, finances, and family. TransUnion thinks they are above the law. TransUnion is NOT being FAIR AND EQUITABLE to me the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX ) final bill paid and balance XXXX customer has been notify and I also received bill ready information in email. but I can't access my account as they fraudulently closed, XXXX customer services don't send the bill to me over email or by mail. XXXX energy need to report Experian, XXXX and the XXXX bill paid information. I've contacted more then 20 times, unprofessional behavior, and the final bill not send to the Experian. The collection information need to remove from all 3 credit burau. 
I've all my utility and others payment exceptional except this fraud bill. I also paid off. ( please attached credit report all exceptional payment history, see page XX/XX/year>, XXXX XXXX report ) It's impact credit score and flags " negative '' Can you please send the report to all 3 credit burau that remove.