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

I have two merchant return gift cards from Macy 's department store, which I obtained in XXXX. The items I returned were two XXXX each of them costs {$120.00} including tax. Please see attached. 

I have not used one of them ( ending XXXX, GC # XXXX hereafter ), and I used only a few dollars on the second one ( ending XXXX, GC # 2 hereafter ). Please see attached. 

I tried to redeem these two cards online about two weeks ago and found that GC # 1 have {$0.00} balance while GC # 2 had a correct balance of {$120.00} ( original card value {$120.00} ). 

I contacted the customer support and gift card department numerous times ( which was not pleasant to put it very very mildly ), and finally got the GC # 1 issue solved and received incorrect amount of replacement card which I had to correct ( see attached copy of email communication ). Replacement cards ( total amount of {$120.00}, {$120.00} ( why? ) + {$3.00} ) were arrived on XX/XX/XXXX. 

I thought I am good to go to redeem GC # 1 ( replacement of which ) and GC # 2. Now GC # 2 shows {$0.00} balance. I called customer support and explained the situation. I was told that I used on XX/XX/XXXX???? Something got mixed up. The representatives that I talked on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were oblivious. At the same time bored and rude. 

I want my money back on GC # 2 ( {$120.00} ). I tried to redeem these on items on sale XX/XX/XXXX and they are not available anymore. I request a compensation for tremendous waste of time and energy and loss of opportunities. 

I could not find any good contact information to report these issues. I hope this problem transferred to someone in charge of Macy 's gift card operation and customer support.

Questions : - Why GC # 1 was it inactivated? 
- How did they got XXXX dollar information ( see attached email communication ) where did this wrong info mixed up with mine? 
- Are they training associates at all? 

Or at least I thought.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer file is inaccurate and incomplete. I am writing to you today regarding account ( s ) # XXXX XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, which is not posted in my file. I am asking to you to correct this by inserting the missing information into my credit report file so that accurate information is being reported.
Product: Student loan

XXXX groups of loans were reported, accurately at the time of their reporting, as delinquent for 180+ days to credit reporting bureaus. A deferral was granted subsequent to the reporting which was retroactive and for a date range which included the original delinquencies. The loan servicer ( Nelnet ) refuses to update the past postings to reflect the retroactive deferral. Around XX/XX/XXXX, I initiated disputes with the XXXX major credit bureaus citing the dates of the deferment. Nelnet determined their reporting to be accurate and made no changes. On XX/XX/XXXX, I sent a dispute to Nelnet, in writing, which specifically referenced an interpretation letter by the FTC in which loans what were reported accurately, and then subsequently deferred, were to be updated ( even in cases where the reporting was accurate at the time ) to reflect accurate information ( such as dates for deferrals ). Nelnet informed me on XX/XX/XXXX that they were still unwilling to update their past reporting to the credit agencies regarding the status of my loans. I feel that their unwillingness to update the reporting is in direct conflict with the FTC 's interpretation of the Fair Credit Reporting Act, which charges furnishers of information with providing " updated and accurate information ''.
Product: Debt collection

Nordstrom sold the debt to XXXX XXXX XXXX per XXXX XXXX  On a recorded line they have now sold it to XXXX XXXX XXXX and XXXX XXXX XXXX is unreachable and therefore unverifiable. The only person reporting the debt to the credit bureaus is Nordstrom. This needs to be removed immediately as I can not make a payment to Nordstrom and XXXX   XXXX  is in fact unreachable and unverifiable.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX  XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I received a payment and as I was trying to withdraw the funds I received a message unable to process so I was trying to relink my paypal since I'm having trouble cashing in as I was doing the process many times the paypal message me that they will permanently limit my account and will not be able to use paypal I will not be able to withdraw and send payments. I was trying to email them and I was always redirect to the resolution center but no resolve button since they will permanently limit my account.
Product: Credit card

On XX/XX/XXXX, a scammer impersonated my employer through the company email, requesting me to make several purchases on behalf of the company. After making XXXX transactions, of {$200.00} each, I immediately called Wells Fargo to flag those charges in an attempt to stop them from going through. Wells Fargo opened a case for me with those XXXX claims and sent me a new credit card. On XX/XX/XXXX, Wells Fargo reimbursed and adjusted all XXXX transactions. On XX/XX/XXXX and XX/XX/XXXX Wells Fargo denied XXXX of the claims and recharged those fraudulent transactions onto my credit card.
Product: Checking or savings account

Do United States treasury department on behalf oXXXX social Security deposited my check on XX/XX/2022. They refuse to disperse my funds as has been done the 12 years I have been on disability and they are keeping the money to either make money off of holding it in interest or something because their operators are all telling me different stories, one of them told me it would be available by XXXX XXXX today ( XX/XX/2022 ) and another one told me something else, another one told me something else.and someone on XXXX told me one thing and someone else on XXXX told me into it so theyre all lying and theyre keeping my Social Security XXXX not giving it to me on time even though its in their system and its already been paid by the treasury and theyre lying to me about where it is and now theyre trying to tell me theyre going to keep it longer. I have never received it this late in 12 years never. I can not pay my bills I can not get my medication I can not eat they are keeping me from life-saving medication as we speak I am in bed unable to function. I always receive my Social Security by the XXXX at the latest they received it on the XXXX and they are keeping it for their own gains while I lie here XXXX and suffering with no medication
Product: Debt collection

I received a letter XX/XX/XXXX From XXXX XXXX XXXX that there computer system was compromised XX/XX/XXXX. I am disputing this account with AARGON COLLECTION AGEN Original creditor : XXXX XXXX XXXXXXXX for {$7700.00} that was opened on XXXX XXXX. I have the right to accurate information on my credit report and from what the letter says my Identity was possibly stolen and account compromised now I have to take steps to protect my identity. XXXX has given me an individual code for XXXX privacy for 12 months of credit monitoring.
Product: Mortgage

See my complaint under feedback from another complaint. U.S.Bank result are unexceptionable.My closed complaint XXXX result are unexceptionable.
Product: Debt collection

To whom it may concern, I received a bill from you on XX/XX/2021 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is an alleged debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back. 

Also, note that the Texas Statue of Limitations is 4 years. The alleged debt is 4 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted kashable llc numerous times to resolve reporting on my credit report. Disputes to the bureaus show validated but I never see proof. I sent 3 letters to the company requesting validation and I have received no response. The letters were 30 days apart.
Product: Debt collection

I have an outstanding debt to the XXXX XXXX XXXX XXXX regarding tuition fees that the VA did not cover fully in XX/XX/XXXX. I disputed the charges with the VA but they refused to pay the remainder and I was forced to pay for it myself. By the time I started payments, XXXX XXXX XXXX XXXX had sold my debt to XXXX XXXX, a debt agency out of Louisiana. I started monthly payments and have paid with no lapses or late payments. In XXXX of XXXX, I received a letter from XXXX XXXX XXXX XXXX that my debt was sold to another agency, National Credit Management, but never received any additional information about it and my payments stopped. I reached out to the XXXX office at XXXX to pay my outstanding balance in full, but they refused to assist and said I had to go through the agency. The agency finally reached out last week and I requested a Debt Validation Letter both over the phone and in an email. I have not received a confirmation or any letter in the mail with the requested information and want to dispute the charge altogether. Please let me know what information is required of me. Thank you and have a wonderful day!
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft exposed in the XXXX Databreach.

Under the FCRA Code 15 U.S Code 1681c-2 states the consumer reporting agency should block information resulting in identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft due to my personal information being involved in the XXXX, Transunion, and XXXX data breach. I tried resolving this already with XXXX, Transunion and XXXX but they willingly ignored my disputes and infringed on my consumer rights. I did not submit my FTC report in error or material misrepresentation. These bureaus are reporting inaccurate, false and misleading information on my reports and is ruining my reputation with the banking system which is why we are in a recession. my chances at getting a mortgage is being ruined and I need these unauthorized accounts removed immediately
Product: Checking or savings account

Simple bank which is owned by BBVA is closing and I have attempted to transfer my funds to another bank account. I was successfully able to transfer some funds but I have not been able to transfer my remaining balance. BBVA will not accept customer service calls, and I am given the XXXX number for Simple which says my wait time is 2hrs. All of my support messages on the website are left unanswered. I need and want access to my funds immediately. The web interface even says I am eligible to transfer funds but it errors out on every attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a certified letter to Transunion regarding inaccurate reporting on my credit profile for the account XXXX and method of verification, they did respond and said this account was verified. Transunion has never updated or properly investigated this account because the inaccuracies has remained which is a Violation. I have provided documentation that they have never changed and remain to report inaccurate obsolete information This is illegal and unfair credit practices. They have not responded to any of my letters.
Product: Credit reporting or other personal consumer reports

I am submitting this communication to XXXXXXXX XXXX  regarding alledged account XXXX XXXX XXXX XXXXXXXX illegally REINSERTED violating the FCRA that is now reporting in the CLOSED section on my Equifax credit report as of today XX/XX/XXXX. 

Therefore, I am submitting this communication under the provisions of FCRA 623 ( a ) ( 8 ) ( E ). 

I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and received a response via CFPB XXXX XXXX XX/XX/XXXX stating account was DELETED. See Screenshot Attached ). Why was this account Illegally REINSERTED and again reporting in the CLOSED section of my Equifax credit report again today XXXX. 
XXXXXXXX XXXX  has illegally REINSERTED this account and I will get a lawyer if this alledged account is not DELETED again immediately.
Product: Debt collection

On XX/XX/2019 I got a alert on my credit report about a new account opened by Midwest Recovery Systems. I have never heard of this company nor have done business with them! Upon calling XXXX I found out this company is a collection agency. This company never contacted me to inform about a debt, where or what its from, or to give me an opportunity to dispute this debt. I dont know any information about this debt. This company has never made an attempt to contact me.
Product: Checking or savings account

A {$73.00} transaction was sent to my old closed account via through cashapp! ... because the account they sent it to was closed the bank sent the money back! ... Now cashapp is claiming that they never recieved the funds back from the bank and closed the case for the refund!! ... my bank has screenshots of this transaction as well as retrieval reference numbers and time and date the transaction took place!! ... it happened on XX/XX/2022 at XXXX!.. 
In the amount on {$73.00} ... not 1 of the customer service representatives through cashapp helped in fact they just told me the same thing over and over and then closed down the case without me recieving the payment!
Product: Credit card

On Thursday, XX/XX/year> I've received a phone call from Chase Dispute Department in regards to the billing dispute with XXXX for the amount of {$2600.00}. Customer service representative was updating me on the status of the case and mentioned that the merchant is rebutting the dispute claim and in order to proceed further into pre-arbitration stage Chase needs supporting documentation from me to strengthen the claim. I informed the representative that I do have needed supporting documentation and will be sending them over same day since it's time sensitive matter and expect them to be fully uploaded in the system the earliest Friday, XX/XX/year> or latest - XX/XX/year> after them being submitted by me at a later time on XXXX of XX/XX/year>. I've informed representative to kindly give me a call on Monday, XX/XX/year> in case representative wouldn't be able to allocate uploaded documents or there's important information missing. Representative affirmed that. Later that day I've received a letter from Chase ( see page XXXX in XXXX ' ) stating that more documents are needed and I have a time by XX/XX/year> to provide Chase with required documents. Supporting documents were uploaded by me as promised to Chase via document upload center ( see a copy of supprting documents for the case in XXXX ' ). Notwithstanding, following day on XX/XX/year> I've received another notice from Chase, stating, contary to the previous notice, that the disputed charge was considered valid and Chase wasn't able to confirm a due credit ( see page XXXX in XXXX ' ). At this point it is assumed that Chase subjectively closed the time-sensitive case without even validating the previously uploaded documents for time-sensitive investigation.
Product: Credit reporting or other personal consumer reports

I viewed my credit report and found the new information was placed back on my report. Called XXXX  and was told that Capital One was reporting that name and address and they couldn't remove it. Capital one has my correct name and address as i have an account with them.
Product: Money transfer, virtual currency, or money service

The end of XXXX this year I was contacted by someone who said they were from XXXX and had a crypto deal were I could invest {$100.00} and get {$500.00} in return. When I sent the money they said that package was no longer available and I needed a package of {$500.00}. After that was sent I was told in needed to send a withdraw fee. Every time I sent money they had a different reason of why my account was frozen and I needed to send more money. I had access to my account and could see my deposit and what it was worth. After sending over {$11000.00}, and still more reasons why I needed to send more, I stopped sending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my and my husband 's credit reports were pulled to determine our qualification for an auto loan. A few different creditor agencies took a look at our credit report and we were qualified for the auto loan through XXXX XXXX and then today I see our credit reports were pulled once again ( XX/XX/XXXX ) for an auto loan. We didn't re-apply, so we need this disputed or fully explained as to why our credit was pulled ( HARD HIT ) again after 30 full days.
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Previous Address : The following previous addresses are wrong : Incorrect Name - XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX  - The following personal information is incorrect- The personal data reporting is inaccurate.
Product: Debt collection

My bestfriend at the time, Used my name on an apartment without my consent, being, she had all my information inside of a computer I knew nothing about, I wasnt aware of the debt until she moved out one day and i received fees to my mailbox. I contacted her and she said she was going to pay to break the lease but never did and it ended up resulting in an eviction. I was living in XXXX XXXX XXXX at the time of this incident. Ive never lived in XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Heroes Act Section XXXX protects consumers like me by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the XXXX pandemic, meaning if they are reporting late payments during the pandemic, my scores would drop. I wrote TransUnion to make them aware of this and to have all negative remarks removed from the following accounts, XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, and XXXX  XXXX XXXX Account Number : XXXX however they refuse to remove the late payments that are incorrectly reporting on my credit report and damaging my scores. What is the point in the XXXX implementing a law such as this when no one actually follows this? At this point, I DO NOT give my permission, under " Permissible purposes of consumer reports '' [ 15 U.S.C. 1681b ] to TransUnion to report any negative remarks on those accounts under my credit file with them.