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

I was late on a Macy 's credit card bill 35 days. The amount was less than {$100.00}. I did not know I was late because I did not receive a phone call, email or mailed statement alerting me. I rarely shop there but have had my account for over 20 years. I have never been late. I received a notification from XXXX   that Macy 's had reported my account as delinquent. I immediately paid the bill in full and contacted Macy 's collection department requesting that they remove the filing based on my relationship with them and my impeccable payment history. They refused. In my opinion they are violating the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report. XXXX/XXXX  XXXX {$700.00} XXXX XXXX {$3500.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX   XXXX {$320.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$220.00} XXXX XXXX {$4500.00}
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a inquiries I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX  on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX that appears related to the aforementioned car loan accounts.These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX cases as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion claims to have verified as accurate a bankruptcy record - case # XXXX despite having been sent the attached letter directly from the bankruptcy court showing that the court does not have such a record under my name, DOB or SSN. Transunion continues to report this record on my consumer report in violation of the FCRA. Notable, XXXX and XXXX have acted promptly in removing this account from my consumer files. I have requested certified court records reviewed by Transunion or the names and phone numbers of the specific individuals whom it claims to have verified the records and Transunion has failed to do so.
Product: Checking or savings account

I am filling a complete with cupb regarding capital one failure to deposit direct deposit from my employer and any other incoming deposit. Capital one has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds .this situation raises concerns about consumer protection laws, and I request youre assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Checking or savings account

On the XX/XX/XXXX I made a deposit of XXXX USD into an ATM machine of bank of America with the ID XXXX and only XXXX was credited to my account. 

The branch staff did n't try to help. I also called BOA 4 times and could n't submit a claim given no one was available for a period of 2 hours. 

I tried to submit a complain through their customer service department and they would n't give me a complaint number to follow up on.
Product: Credit reporting or other personal consumer reports

I have contacted each credit agencies. standard responce, Can not verify my identity. then why are you putting my wrong information on my credit file. start from my address every agency has different and employer : XXXX XXXX, what is that? I work XXXX XXXX XXXX. 

I am attaching all documents : XXXX ) FTC Identity theift report from XXXX and XXXX XXXX XXXX XXXX Police report from XXXX XXXX ) All ID notarized. 
4 ) Credit report from three agencies.

5 ) Utility bill Now, i dont want same letter back to me. I will send to FTC and Federal Lawsuite to full extent of law.

Also I am also Exercise Your State Privacy Rights Certain states grant their residents options with respect to their personal information. If you are a resident of California, Colorado, Connecticut, Montana, Nevada, New Jersey, Oregon, Texas, Utah, or Virginia, in some circumstances you may be able to request to opt-out of your personal information being sold to third parties. 
I am from Texas attached is my all forms of ID Notarized. 

XXXX ) I am Exercise my State Privacy Rights XXXX ) Do Not Sell or Share My Personal Information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please delete these accounts from my credit report. 

XXXX. Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX # XXXX Account # XXXX  7. Account Name : XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i check my report and these. inquiries were there without my permission please remove them
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 

I feel I was negatively impacted by Transunion/Equafax, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. That the company XXXX XXXX does not own my debt, I do not owe them any money. Transunion/Equafax is still reporting it on my credit causing a negative action.
Product: Checking or savings account

- First, please refer to Case Number : XXXX for further information of the case. In other words, due to my XXXX & XXXX episodes, my wife, XXXX XXXX, did act on my behalf. 
- Second, WellsFargo via both CFPB & U. S. Postal Mail sent my wife a Response Letter ( see the attached ) in which it asked me, the direct victim, to contact XXXX XXXX directly. 
- Third, I personally contacted XXXX XXXX directly three ( 3 ) times, but she did not respond or even returned my call. The details of the three direct calls as follows : * Attempt 1 on XX/XX/2022 at XXXX via XXXX with Representative XXXX in which I was told XXXX XXXX would give me a call back to my cell phone ( XXXX ) as my matter was high up and extremely confidential. Unfortunately, it was a liar. 

* Attempt 2 on XX/XX/2022 at XXXX via XXXX with Representative XXXX XXXX XXXX said due to the matter is in the Executive Office, she could not know the solution and could not contact XXXX XXXX after XXXX minutes attempt to connect with her. XXXX then suggested me to call XXXX. I did and got connect with Representative XXXX. Again, XXXX said she did not have access to the case so she could not reveal the resolution. XXXX then asked me to wait so she could contact XXXX XXXX directly, but the attempt was unsuccessful while I was waiting on the phone. XXXX recorded the notes and the conversation and told me XXXX XXXX would give me a call back on XX/XX/2022 from XXXX onward. I waited for the return call from XXXX XXXX, but again, it was a liar. 

* Attempt 3 on XX/XX/2022 at XXXX via XXXX with Representative XXXX. XXXX did what XXXX, XXXX, and XXXX did : taking notes, recording the conversation, and connecting with XXXX XXXX as the latter was the handler of this case. After 45 minutes of waiting, I did hang up the call as I was too exhausted. 

Please tell me who did show the goodwill and patience to want the issue gets solved? Obviously, not WellsFargo as they have deliberately tried to withhold the information to cover up for their discrimination act against am XXXX & XXXX era of permanently and totally ( XXXX XXXX XXXX ) XXXX XXXX XXXX veteran and also a minority. 

What can I still do?
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal and urgent demand regarding the unauthorized, inaccurate, and illegally obtained information on my credit report related to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

It has come to my attention that XXXX XXXX XXXX XXXX XXXX has paid for access to my personal information, which constitutes a gross and unacceptable violation of my privacy rights. This practice is not only illegal but also unethical. Without my consent or a legally binding agreement, any use of my personal data is a blatant breach of privacy and federal law. 

Who authorized this? Who are you to allow such blatant misconduct? I have no contractual relationship with XXXX XXXX XXXX XXXX XXXX, and they can not provide any legitimate documentation to prove otherwise. How can you verify something that has no legal basis? Your continued reporting of this inaccurate and illegally obtained information is reckless, harmful, and completely unjustifiable. 

I know you can care less about this because it isnt happening to you, but your inaction is actively obstructing my ability to purchase a home and jeopardizing my financial stability. Your actionsor lack thereofare not only negligent but dangerous. 

Let me be perfectly clear : You and XXXX XXXX XXXX XXXX XXXX are complicit in violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This will not be ignored. 

I demand the following actions be taken immediately : 1. Complete removal of all entries related to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from my credit report.

2.

A formal investigation into how my personal information was accessed, sold, and used without my consent. Provide written documentation of your findings.

3. Written confirmation of compliance with these demands within 24 hours of receiving this notice.

Failure to comply will leave me with no choice but to take further legal action. I will work with my attorney to pursue all available remedies, including but not limited to financial damages and penalties for your violations of federal law. I will also ensure this misconduct is exposed publicly.

This is your final warning. You now have 24 hours to act and provide proof of resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I contacted the company below by telephone. 

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX QUICKEN LOANS. 

I responded to a pre-screened offer letter by calling the number on the letter to ask questions about their mortgage loan rates and my credit unknowingly received a Hard Inquiry without me knowing. Please have this inquiry removed from all my credit reports.
Product: Checking or savings account

Last XXXX, after selling our home, we purchased and renovated a new one. As part of that process over the 9 months, we withdrew some cash to pay our contractorssomething that apparently triggered the account closure and cancellation of all credit cards. 
After speaking with multiple representatives at Chase, not only they refused to provide any details about the " unusual activities '' but they also stated that theres no appeal process, and this decision will have lasting consequences not only for my wife and me but also for our children. 

Whats most shocking is that all three of our kidsone still a minor and two in their early twentiesare also facing lifetime bans simply because my wife and I were co-signers on their accounts. Beyond the hassle of moving all our finances elsewhere, the idea that our children will be permanently barred from banking with one of the largest financial institutions in the country feels deeply unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX
Product: Checking or savings account

I get paid on the XXXX and the last day of the month. Should the XXXX fall on a weekend I get paid the last business day before the XXXX. It slipped my mind that I was getting paid on the XXXX thinking Friday was the XXXX and scheduled my pay off on my credit card to come out for the XXXX of XXXX. I understand this was my error. I received an overdraft fee of {$27.00} on a {$35.00} payment that came out of my account one day prior to my pay day. I contacted Key to see about a courtesy as this was my fault but given my tenure of the account and only having a fee waived ( back in XXXX for honestly the SAME error ) they were not willing to waive my fee. I work for the XXXX XXXX at a XXXX  and am very disappointed with the interactions I had. They were not willing to budge one bit on waiving the fee. I understand policy but I do know it is not black and white. There are times you are able to " bend '' the policy and waive a fee or credit ones account in good will. The manager advised they treat all of their customers fairly and would not be removing this fee. I asked her if she could say that each and every customer with key has only ever had ONE fee removed on their account in a 12 month period and she stated she could confidently say yes. Lie. Straight lie. It is very upsetting and disappointing I am even having to take action this far over a {$27.00} fee. If this can not be removed I will be sure to share my experiences and consider closing my account. After over 4 years of service with key and only ever receiving two overdraft fees I am very upset they are not willing to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax and their nonaffiliated 3rd parties are in direct violation of the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX! They are violating my federally right to Privacy and sharing my nonpublic personal information without my consent which is damaging my character and ruining my reputation. SEE ATTACHMENTS
Product: Bank account or service

Citizens bank promised a {$150.00} bonus for opening the account and completing the requirements. I have completed the requirements many months ago and the bank refused to pay the bonus.
Product: Money transfer, virtual currency, or money service

I'm trying to invest money in my XXXX XXXX account and PNC won't allow money transfers
Product: Money transfer, virtual currency, or money service

Venmo would not process my request to pay out. Kept getting message saying to try again later. For days, I tried to process from different devices, through mobile and desktop sites, through app, removed and reinstalled app but kept getting same message. In accordance with message, try later can be as soon as you receive the message. So I tried repeatedly and eventually I got a message saying the account was locked. At no time did Venmo provide a warning stating the account would be locked for any reason like multiple attempts. Why it was locked is still unknown. FYI, Venmo reps have told me the try again later message has been happening for years and that they get hundred to thousands of calls about it. Obviously, theres a software issue that Venmo ( PayPal ) is just ignoring. 

Initially, I contacted them by phone. Follow up communications were through email. I requested my account to be unlocked. XXXX XXXX tried to force me to give them copies of my ID my identification had already been previously confirmed and I was not going to give a copy of my ID out. 

I advised XXXX XXXX that my banks new security protocols now required me to provide details on what caused the lock out before they would allow me to re-established an account link again. XXXX XXXX refused to provide any details on the lock out. I advised XXXX XXXX that without lock out the details, my bank wouldnt allow me to use Venmo any longer. XXXX XXXX didnt care so I requested the account to be permanently closed and deleted. Initially he refused to do anything with the account and said I would have to do it, through the accounthello XXXX, the account is locked! Later, I requested confirmation that the account was deleted. He kept providing two different answers, one of which, clearly indicated that they were not going to honor my request and that they were keeping the account ( in a locked status ). I asked him to connect me to his legal department more than oncehe refused. He also told me that even with a cancelled account ( not a deleted account ), that they retain a lot of my account information. I requested a detailed list of which specific itemshe provided a cut & paste generic list from their terms and conditions. I again request specifics and got the same cut and paste ( I assume he was doing this again to antagonize me ). 

Based on what I have been told by XXXX XXXX, Venmo is not going to explain what action or actions caused the account to lock and my locked Venmo account will not be deleted ( and that theyre going to keep my personal data ). 

XXXX XXXX definitely needs a lot more training ( or supervision ) before he should be handling customers. In most companies, hed be subject to disciplinary actions. There are lots of other companies other than Venmo ( a PayPal companywho is just as bad ) to use, and thats what Ive done.
Product: Credit reporting, credit repair services, 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 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 Since pulling my report between XXXX and XXXX of XXXX  The XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  accounts have all been removed as of the latest report pulled online with XXXX, XXXX, and Experian, but inquiries from these accounts are still showing, with the exception of the inquiry reported to XXXX as XXXX. I also should also add that there was an attempt to start fraudulent account with XXXX caught during XXXX investigation.
Product: Credit reporting or other personal consumer reports

Been trying to access my information since XX/XX/XXXX. Several attempts to get consumer disclosure report from this DATA HARVESTING company, always get letter, no report. 
Call made today XX/XX/XXXX to inquire about this report. 
They are providing unverified data which has seriously affected me as a consumer. Raised my insurance rates and resulted in canceled insurance policies. 
Several inaccuracies being reported by this data harvesting company that do not belong to me, names, addresses, phone numbers, claims that do not belong to me and claims that have other people 's names associated to them. 
Submitted disputes with phone personnel today. No case number was supplied to me on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is NOT reporting a 25-year-old Mortgage credit account with XXXX XXXX XXXX XXXX, Acct # XXXX ; Opened in 1993 to present ; original balance : {$93000.00} ; current balance {$33000.00} ; monthly payment {$690.00} ). After speaking to EQUIFAX, they claim they can not ADD this account unless XXXX XXXX  reports it ; However, after speaking with XXXX XXXX XXXX XXXX # XXXX ), they say that they report it every month. Somehow this account has been DELETED by XXXX or not being reported by XXXX XXXX XXXX XXXX. If the account was derogatory or in collections, it would be there. I would like this account ADDED back to my account.