23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an American Express gift card with {$100.00} on it as a birthday gift. Over the past month I have tried to use the card at a multitude of different online stores, gas pumps, adding to mobile pay, etc. just trying to spend the money I was gifted. Each transaction has been declined by Amex. Their reasoning I was told over the phone was increased security and to protect the card user. I clearly can not use the card anywhere. XXXX and XXXX have never had issues with my payments until using this card. The marketing of the gift card being accepted anywhere Amex can be used is very misleading and untrue.
Product: Credit card or prepaid card

In XXXX Citibank Costco XXXX card generated 2 fraud charges. Citi disputed both PLUS XXXX prior charges on my account. Customer service referred me to the fraud dept. who admitted it was Citi 's problem but became unresponsive after several calls. Finally, I was referred to Executive Response Team ( ERT ). After several agents failed to address, I finally got one who took up to XX/XX/XXXX to clean up the account. I was told I didn't need to pay balances due to the confusion over actual amounts owed until the cleanup was complete. Interest and fees were waived at this point. Citi even compensated me for some time spent ( not nearly enough ) knowing they made the problem. Citi then over corrected for the disputed charges and I had to point out the math for that and they agreed to my number. After being advised all fixes were made, as agreed with my ERT rep, I paid all balances legitimately due on time as I have always done for years. Thinking all was good, the next bill came in with about a {$300.00} interest charge for the last month of cleanups. I disputed this with the ERT rep and she said she could not make further adjustments and I needed to pay it. I wrote a letter to Citi 's CEO but it was just referred back to the same ERT group who refused to discuss this matter further with me. I plan to go to small claims court if I can not get this resolved through this process.
Product: Checking or savings account

I received a phone call from someone claiming to be from Santander Bank stating my account had been compromised. I was then sent a one time passcode from a text message while on the phone with this person. After being told my account has been locked and I will be sent a new card, the call ended. 
After the call ended, I received an email from XXXX ( partner with Santander Bank ) stating my account information had been changed and to immediately contact Santander fraud if this was not the case. Before contacting the fraud department, I checked my bank account to see that all three accounts ( a savings account, my XXXX year old daughters checking account in which I am the guardian of, and my checking account ) had been cleared of all money. I further went into the XXXX feature through the app in which I saw a {$2500.00} transaction was completed in addition to a {$950.00} transaction to two different illegitimate emails, similar to my own. A total of {$3400.00} was taken from my accounts leaving me with {$0.00}. 
An immediate initial claim was filed on XX/XX/XXXX which was denied about a week later for inconsistencies. A second claim was filed on XX/XX/XXXX and again denied claiming inconsistencies. No further information was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is in reference to Experian Credit Reporting agency, regarding fraudulent accounts remaining on my credit file. After contacting, the original creditor and consumer credit reporting agency. I was told by Experian department to file a FTC identity theft report Affidavit in order to have the fraudulent accounts blocked and deleted from my credit file. I sent Experian the required documents via certified mail on XX/XX/2020. However, the following accounts still remain on my credit file. XXXX XXXX XXXX  # XXXX ... XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX # XXXX.I was told by Experian according to federal law Fair Credit Reporting Act. That the items contain in the theft report will be blocked/ deleted seven days prior to receiving the theft report. It has been well over 30 days since I sent Experian the required document. It is a awful how the credit bureaus handle fraud victims. I feel treated as a suspect instead instead of a victim. Please assist in resolving this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint without any influence and without any third party. On XX/XX/2023 at XXXX I faxed my letter ( see attached document labeled AVANT LETTER OPT OUT ) to Avant requesting proof that Avant followed the conditions required by the Gramm-Leach-Bliley Act to respect my privacy and protect my nonpublic personal information and notifying that I am exercising my right to opt out of credit reporting since they failed to do so. Avant responded by email ( see attached document labeled AVANT XXXX ) and did not address my concerns nor did AvanXXXX provide any proof of following the conditions required by the Gramm-Leach-Bliley Act.
Product: Credit card

I have a Target Credit Card issued by TD bank. In XXXX XXXX 2015 the bank put a charge on my account - {$25.00} returned payment fee. I called to the bank 's customer service and explained that I believed that the fee was a result of the bank 's computer system error : in the previous month, XXXX, I logged into my account online and change the information for the payment account for my Target Credit card. The system informed me that the changes would take place starting the next month - XXXX. However, The next month the changes were not applied and the payment on my Target credit card was drawn from the old, incorrect account. That 's why the return payment happened. I explained that to the Bank 's customer service agents and requested a refund of {$25.00} fee. The first agent sounded incompetent - I requested to connect me with her supervisor. At first the agent refused saying that her supervisor had all the same information and could not help me better. After I insisted she put me on hold and I waited for about XXXX min, with no result. Finally I hang up and dialed TD bank 's customer service again. The next agent was more cooperative and transferred me to the supervisor sooner. The male supervisor spoke to me rather arrogant and said that the bank would not refund the fee. The whole communication with TD bank was just a hassle. And I still understand that the fee was charged unfairly.
Product: Credit card or prepaid card

The account in question in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at US Bank. When I was well enough to work I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting an erroneous late in XX/XX/2019. They closed the account because I was inaccurately reporting as deceased for some time when it was my husband who passed away. I attempted to call them to pay and was declined and told I couldn't pay it, the account then went past due and was closed immediately after. I spoke to them about it and they gave me a new card and account number but this one is still reporting on my credit. The late was erroneous and not my fault and I need it removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 information, other than records of convictions of crimes which antedates the report by more than XXXX 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I applied for assistance in saving my home. My servier Fay approved me however the offer they made was about {$500.00} more than my old mortgage payment. I hired an attorney to help me with the process and they submitted an appeal to my approval by mail to the address given on the approval letter. Upon following up with Fay Servicing they now state they did not get the appeal in the 30 day period. They also said it was mailed to the wrong address. My attorney has record it was mailed to the correct address. Also, it 's impossible to have mailed it to the wrong address as all the addresses on the approval letter are the same : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX - attn : appeals. It appears that it is more possible that Fay just sat on my appeal letter until after the appeal period had expired. The appeal was sent in writing and post marked before the deadline. It was received within the appeal period. Fay only accepts appeals by mail to avoid/evade having to review an appeal. I do n't believe their claim it was not received in the time period. I also do n't believe even if it had been a day or two late, that is n't a reason to just deny someone without looking at the situation. Fay Servicing investor bought this loan from XXXX. Their servicing contract according to my attorney came with strings that they could n't just take the home from the home owner without first trying to work something out. Fay is n't following that agreement. They offer a payment that is almost 50 % higher than my old payment, evade my appeal and now are now trying to foreclose my house.
Product: Checking or savings account

I was charged XXXX the wrong amount to my account. I provided all the evidence the following day and reached out to pnc 3 times later to make sure they had everything they needed and I was told they had everything. The second from the last representative said that my provisional credit would be provided by XXXX XXXX which makes it the XXXX XXXX XXXX reached out to pnc today XXXX XXXX and I was informed that my dispute doesn't fall under regulation e but it does and I was told false information from multiple bank representatives.
Product: Debt collection

Amerifinancial Solutions has a claim from an XXXX physician at XXXX dated on XXXX for the amount of XXXX I initially set up a payment plan when I got this notice but when I spoke with a representative from XXXX they reported there was XXXX balance for the XXXX visit and the XXXX phsician visit. I stopped paying the {$50.00} monthly. I have disputed this claim 3 times to get information, thinking it was fraudulent or it was with another medical facility. 

I spoke again with Amerifinancial Soultions and they reported the claim was with XXXX XXXX physician. The date of service was on XXXX. I reached out to my insurance which is XXXX XXXX and XXXX. I spoke with XXXX on XXXX from XXXX  at the following numberXXXX. XXXX reported that the XXXX doctor visit at XXXX was processed for XXXX and paid. My remaining balance was {$23.00}. 

I have reached out to the XXXX Physicians that was contracted with XXXX at this time multiple time and have not received a call back to get possible assistance with this matter. 

XXXX XXXX XXXX was the contracting XXXX physican agency with XXXX at this time. I did receive service from this XXXX physician. My insurance can provide the information that the claim was paid. I have contacted XXXX at this company XXXX to be transferred and XXXX XXXX by leaving multiple messages. 

I am reporting this to get this removed from my credit report because it is unfairly being reported as a negative report when the claim has been paid and my insurance can prove they paid it. XXXX  has the information to prove it. I give permission for someone to call to do a 3-way call with my insurance to validate this information from XXXX. 

I need assistance with someone to reach out to Amerifinancial solutions to solve this claim. As you know these credit agencies are in the business to claim a debit not to solve a problem. I have not been successful in getting information in the past. 

I have spoke with XXXX at XXXX regarding this matter at XXXX and she said she would be glad to help in anyway she could. 

Please reach out to me to get this problem solved. I need your assistance. I need this removed from my credit report as I am trying to borrow money for my son 's college needs. 

Thank-you for your time and assistance. Please feel free to call me anytime at XXXX. You may even call my work at XXXX XXXX XXXX XXXX.
Product: Debt collection

I have been receiving multiples text and calls from ICS- Collection Service on XXXX, and XX/XX/23 I called ICS on XX/XX/23 6 times each time I called ICS Collection Service they hung up on me when I asked questions are the legal owner of alledge debt I was told to provide name and birthdate I told them they should already have information in front of me I spoke with XXXX on XX/XX/23 XXXXXXXX XXXX she states ICS Collection Service does not have ownership of alledge debt so she hung up in my face the first young lady I spoke I didnt get her name hung up as well they couldnt validate debt to me on the phone Im being harassed by ICS Collection Service daily when I call they want to hang up in my face . This is the second Collection Agency contacting me ( XXXX XXXX XXXXXXXX XXXX  with exact same alledge debt calling how can they both trying to collect on same alledge debt this has to be illegal. I recorded all calls I informed XXXX before conversation started
Product: Debt collection

I have been dwelling abroad for a business most of my life since the year 2010. 
Suddenly I have a collection letter from the company named " Convergent. '' And I have been trying to contacting the number of the creditor XXXX  they provided, and whenever I successfully got contacted, all of them could not find any debt in my name.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNT XXXX {$12000.00}
Product: Checking or savings account

Ally Bank didn't follow clear instructions on two forms to wire funds and claims to have sent funds via check. The check is still not received after 12 days. Many other mistakes were made and I still don't have access to my funds. 
I had a {$100000.00} CD in a Roth IRA about to mature on XX/XX/XXXX. I wished to have the funds wired to my brokerage upon maturity. Because I don't know the procedure, I called Ally and was told to arrange the rollover through my broker which I did on XXXX. The broker 's form didn't have wire instructions, so I called Ally and they instructed me to fill out and submit a DOMESTIC WIRE TRANSFER REQUEST and instructed me to submit it independently which I did XXXX. I proactively called to confirm that everything was in order and was assured it was. On XX/XX/XXXX, my funds did not arrive as expected. On XX/XX/XXXX I called to inquire and was told by XXXX that the funds had been sent by check ( even though there was no address provided by me ) and that the check would be received that day. It was not. I called back XX/XX/XXXX and talked to XXXX and insisted that a new wire be sent immediately and was told the procedure requiring an affidavit and indemnification and a 4-day wait period. She said she escalated my case and I'd hear back in 1-3 days. I did not hear back so I followed up and the escalation was set incorrectly, so it had to be restarted. When I finally heard back ( XXXX ) XXXX said Ally was working on getting the check back which I never requested and it would delay things further. He acknowledged Ally 's errors but said there would be no compensation. Even the lost interest, which is minimal, would require a lot of work on my part. 
I see that Ally has many complaints here exactly the same or similar to mine, averaging over one a month this year, and that's just what's reported. They clearly don't take this issue seriously or perhaps they are doing this intentionally to delay disbursing funds.
Product: Debt collection

I provided clear statements that I was disputing the unauthorized debt to Equifax, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. Please see the debt validation letters attached dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, final attempt on XX/XX/XXXX with the XXXX XXXX # XXXX, asking for specific details about the debt being reported inaccurately. I reached out to all of these reporting agencies around XX/XX/XXXX, and received a letter attached online, saying they were going to investigate, but I still have not received anything in writing to show what course of action ( s ) were taken, or anything given from them to say what they were using to determine how they investigate and/or how they came to a conclusion/findings. Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to investigate the accuracy of the listing. I requested to be supplied with the valid data used by using the Federal Trade Commission ( # XXXX XXXX and XXXX ) letters given when I reported my identity, emails, Driver 's License ( ID ), accounts created, and money being stolen. Police Report Numbers XXXX and XXXX, were also attached. XXXX XXXX XXXX, the debt collector, failed to validate the debt despite a certified letter request, received the signed return receipt back in XX/XX/XXXX. The debt is listed under XXXX XXXX. I outlined all records to be sent to me. Creditor failed to respond to debt validation and findings for fraud. They only provided the single-page letter dated XX/XX/XXXX, referring back to the unauthorized company. XXXX XXXX XXXX failed to validate the debt and is prohibited from engaging in business in Texas under XXXX XXXX XXXX Section XXXX. XXXX XXXX, debt collector is not licensed/registered in the State of Texas, and have been reported to the Texas Attorney General. Equifax did not verify this address placed on my credit report, closed the report without their findings and the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX****Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$830.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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: Checking or savings account

I had filed a previous complaint with this agency about Bank of America. XXXX. The account had been placed into a Deposit only status and no funds could be withdrawn. The bank called me the day after the complaint was filed and told me they would give me information within 60 days. 
Today I checked on my accounts on the company app and noticed this account was missing from the list along with the funds. I called the bank and the representative could only tell me that the account was closed due to a " court order '' and the funds would be moved to whichever court ordered it closed. 
To my knowledge and belief no such court order exists and the money is now just gone. I had been trying to move this money out of this account and into my son 's ABLE account for months.
Product: Debt or credit management

I have a nonprofit organization who assist individuals who are victims of XXXX XXXX I am now having Equifax tell me that they can not validate my business and or the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.