23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 USC 1681 Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account XXXX : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name ; XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX 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 US C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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.

15 US 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: Credit card or prepaid card

On XX/XX/19 I noticed two fraudulent charges on my Barclays credit card. On the same day I called to let them know. After speaking with the representative, who researched the matter and told me it appeared to be fraud, I was told the charges totaling {$190.00} ( {$100.00} & {$99.00} ) would be reversed from my account. Additionally, they issued me a new card. I kept reviewing the account activity on my phone to see if or when the charges would be reversed. On XX/XX/19 I wrote to them in order to protect my rights and put in writing and memorialize the events. As of this writing, I do not see the two fraudulent charges reversed.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights!!! 

16 U.SC 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also there are discrepancies with BOTH accounts on my credit report being : The date last reported, date opened, creditor names, and and neither of these accounts showing on my equifax. Within my right I can be compensated for these mishaps but prefer these accounts to be removed ASAP.
Product: Credit card

I opened an account with Fortiva Retail Credit inXX/XX/2023 with an original purchase of {$13000.00}. My first statement closing date was XX/XX/XXXX and I set up automatic payments. Fortiva immediately had trouble pulling the autopay and the first payment I made on XX/XX/XXXX got reversed on the XXXX. I didnt know about it for a few days after that so I made another payment manually on XX/XX/XXXX for {$1200.00}. That payment posted correctly, but then they drafted {$1200.00} again on XX/XX/XXXX. I complained about the double payment and asked them to refund the second payment but they refused to do so. That second payment should have been applied to the statement date ending XX/XX/XXXX but they didnt apply it correctly, so then they send out a XX/XX/XXXX statement charging me a {$30.00} late fee plus interest. 
I complained about the late fee and interest and they agreed to refund the late fee but they didnt refund the interest charge. I made a {$1200.00} payment manually on XX/XX/XXXX but then they autodrafted it two more times that month for another {$2400.00} which they refused to refund, so the XX/XX/XXXX statement shows three separate {$1200.00} payments when I only made one. 
Then they sent out the XX/XX/XXXX statement showing my {$1200.00} payment on XX/XX/XXXX but they still charged a {$41.00} late fee plus additional interest. 
I have four billing statements in front of me, showing payment due dates on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each month a single {$1200.00} payment was supposed to have been made, so I should have made {$4800.00} in payments so far. But because of Fortivas incompetency with processing autodrafts and their refusal to fix problems that they created, they have now charged me {$7200.00} in payments over that time period and theyve charged me a {$41.00} late fee plus {$0.00} interest. 
Their payment processing system intentionally drags out the posting process to trigger a late fee. I scheduled my XXXX payment on XX/XX/XXXX and the email I received from them shows it would be applied by XX/XX/XXXX. The statement they sent me for that month shows they didnt actually post it until XX/XX/XXXX, which triggered a late fee. 
The same thing happened the month before. I scheduled my XXXX payment on XX/XX/XXXX ; the email from them says it would be applied by XX/XX/XXXX ; they didnt post it until XX/XX/XXXX. 
This company is scamming customers and providing lousy customer service in response to issues they cause. 
I will get this account paid off as soon as possible so I never have to deal with them again, but I want their treatment of my account and others like it investigated. Their business practices are shady and underhanded.
Product: Credit card

I have purchased many items from XXXX on my Chase credit card. Many items are defective or fraudulently described or I have been overchargedor charged for items I did not order. Chase VISA has not been helping
Product: Checking or savings account

Hello my name is XXXX XXXX right now I am working with a XXXX XXXX in XXXX my salary is XXXX XXXX I have uploaded all bank statements of my XXXX XXXX  but wise rejected all now i am going to upload my compnay certificate which i working there i request to wise team please open my account
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to make a complaint regarding an issue with obtaining my Experian credit report, which is significantly impacting my ability to secure a home mortgage. 

Despite getting my credit history reports from XXXX and XXXX, my Experian report remains inaccessible. Our lender has attempted to retrieve the report twice, but both attempts resulted in an underwriting alert stating " Missing FICO Score : One or more repository failed to return a FICO score. '' This issue is documented in the attached file " Credit Report, '' which shows my XXXX and XXXX reports but a blank section for Experian. Each attempt is worth a fee, and I have to pay a third one to run my credit reports when/if Experian fixes this issue. 

When I tried to file a dispute on the Experian website, I had to enter my phone number and the last four digits of my SSN, which took me to a page showing my father 's first and last name and his birth date linked to my SSN, as shown in the attached document " Experian Incorrect Info. '' To cross check, I entered my father 's SSN, which correctly linked to his information as well, as seen in the attached document " Experian 2nd account. '' When I called Experian, they told me that I have no credit report or history and told me to contact my lenders, without specifying whom. They refused to acknowledge the mix-up with social security numbers , and refused to look into it stating that I need to contact credit reporting agencies because the information from their system being incorrect is not their fault. 

In XX/XX/year>, I was denied an apartment lease due to " no credit report, '' as shown in the attached document " Anthology - NO CREDIT RECORD '' - at the bottom of the first page you can see that the report was ran in conjunction with " EXPERIAN ''. We had to pay a larger down payment to secure the lease, which was extremely distressing, otherwise, we would have been without housing. I am now at risk of losing my home closing because Experian is refusing to provide me with my credit report and is also refusing to look into the issue. 

I get my regular credit reports from the other 2 agencies, and it has never occurred to me that there was any issue. I was only made aware of it recently because of the mortgage lender. After looking into it, I realized we were denied for the apartment lease because of Experian as well. 

https : //www.consumerfinance.govXXXX - this is from your website " The FCRA requires consumer reporting companies to investigate when someone notifies the company that any information in the persons file is incorrect or incomplete '' which Experian is failing to do. 

Experian 's lack of assistance has exacerbated the situation, and I really need your help to resolve this matter. I have no other recourse because of their refusal to speak with me regarding this matter. 

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following Since Then, the account has repeatedly been updated as charge -off every month. This is an update on the payment history. A Charge off account should Not include an active Payment history. This inaccurate information falsely manipulates the statute of limitation. Yours Failed to investigate this account properly and your neglect has violated my right. I am demanding a deletion of the following account : Experian ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX  : XXXX ) Experian ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX  : XXXX ) XXXX ( XXXX XXXX ) ( # XXXX  : XXXX )
Product: Debt collection

XXXXI am a victim of Identity theft. This negative item was not authorized by me, and needs to be removed. I have the right the right to a fair consumers report. Please remove this item today
Product: Checking or savings account

I have asked BB & T Bank to provide me with proof of my wet Signature stating that I agreed to any contract or terms and Disclosures that would allow the bank to close my account at any time. The Bank Offer XXXX XXXX sent me a copy of my Signature which is XXXX  XXXX stating that I signed under Economic Duress which means I did not Agree to Anything on the contract.
Product: Debt collection

LVNV FUNDING LLC, XXXX XXXXXXXX XXXX  XXXX SC XXXX, has not told me the original creditor for this alleged collection. Therefore I do not know if this debt is valid. I can not contact the original creditor to verify this account as is my Federal and state right.

Under 15USC 1681 ( a ) ( i ) I can challenge this account and dispute its accuracy. 

I don't believe I owe these people a dime!
Product: Debt collection

I've disputed this debt multiple times with the credit bureaus but these people continue to report on my credit report and when I dispute that they do not own the debt and shouldn't be reporting on my credit report they only respond the debt is valid. The point is they do not have the right to report on my credit report because they do not own the debt. According to XXXX XXXX XXXX they are still the owner of this debt. It has been assigned to an outside collections agency but since they are not the owner, they are not reporting any information to the credit bureaus.
Product: Checking or savings account

This is my second complaint my first one was # XXXX Bank of America still has my money from the irs that was deposited in XXXX on an account that was closed in XXXX. Do yo the inability to give me straight answer I am searching for a lawyer to help me with this problem I am being evicted and the bank has no response to when or where is my money
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I was contacted once by an associate ( XXXX ) at " XXXX XXXX XXXX XXXX '' office by a voicemail on XXXX XXXX, XXXX about an outstanding balance from an appointment I had at their office on XXXX XXXX, XXXX. He stated that I needed to contact him immediately because the account would go into a collection in 10 days. ( I still have records of this voicemail ). I returned the call and the associate at the office informed me that I had an outstanding bill, and I informed him that I was under my XXXX medical insurance through " XXXX XXXX '', which " XXXX XXXX '' office informed me that they accepted when I set up my appointment via telephone, so this outstanding bill was news to me. The associate proceeded to tell me that if I can email him a copy of my insurance card then he would take care of it and that the cost of the appointment should be covered under my health insurance. When on the phone with the associate I asked him how would I know if the account would be fully covered by the insurance and not go into collections. He told me that under my health care plan by XXXX XXXX, it should be covered. He said if there were any other problems and if he needed any other information from me then he would contact me. I sent him my email on XXXX XXXX, XXXX with a copy of my insurance card. I was unaware of this outstanding bill because when I had the appointment on XXXX XXXX, XXXX, I could not proceed with the procedure without paying the initial {$130.00} consultation fee ahead of the procedure fee which the insurance did not pay for and, I, in turn, paid for the cost of the procedure myself which was {$250.00} ; however, XXXX XXXX was the first time I was being contacted about an unpaid bill. After I sent the email with a copy of my health insurance card I never received an email or call from the associate, therefore ; I assumed that everything was taken care of. I was working at a XXXX at the time and had very limited access to phone and the internet so I was unable to follow up with the associate myself ; however, I still did not receive a follow-up phone call or email from the associate. 

This bill is new to me and is an error on the part of the medical office and " XXXX XXXX ''. As I checked my credit score on XXXX on XXXX XXXX, XXXX, I see that my credit score provided by Equifax has dropped by XXXX points. As a look further to inquire why this happened I see a report indicating that I have an account that has gone into collection, - the debt collector is " CREDITOR CLAIMS OF XXXX XXXX '' and the original creditor is " XXXX XXXX XXXX XXXX '' for the amount of {$130.00}. This is the first time I am finding out that the account has gone into collections as I had not been informed about it since my communication with the associate ( XXXX ) from XXXX XXXX 's office back in XXXX XXXX which I was given the impression was no longer an issue and taken care of back in XXXX XXXX following me providing them with an email of my health insurance card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unrecognized inquiry into my credit report dated XXXX XXXX from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unable to reach at listed number
Product: Debt collection

Recently, TD Bank debt collection started contacting me about a credit card debt that I currently have in a debt consolidation program. I explained it to TD Bank however they continuously keep calling me. They would hang up call back hang up call back and this will take place several times in one day in a single day. I would receive about 10 phone calls from TD Bank regarding this matter, although I have asked them to place me on a do not call us they continue to call and they continue to hang up and a couple minutes later call right back. I have the logs on my phone to show exactly what Im speaking Of
Product: Checking or savings account

I have had multiple instances with Wells Fargo to where I have gotten paid and the money is deposited into my account and at the same time I had bills pull and they would charge insufficient funds fee 's and would advise me that the bill payment pulled prior to when my check was direct deposited in my account, but on my account it shows when the money was deposited and when the bill was initiated to be deducted, and shows on multiple occasions that my bills pulled hours after my deposit went through. I called them multiple times and they stated that what I see on my account is not actually correct, the times are not correct at all, I even called the companies that charged me for my bills and confirmed the times were after the deposit was made and still received a insufficient funds fee.
Product: Credit reporting or other personal consumer reports

An Equifax rep advised me to fill out this report because unauthorized, fraudulent inquiries showed on my report. Please remove all the unauthorized inquiries from my report. XXXX XXXX XXXX XXXX
Product: Prepaid card

I was given a {$40.00} prepaid card from NetSpend. This was a gift from a friend. I tried to activate the card online and was told I could not and to call the toll-free number on the card. The first time I called, the rep asked me some questions and said the card was activated. 

I tried to make an online purchase ( making sure to include the fees NetSpend would charge ) and it would not approve. 

I then got a voicemail from someone at NetSpend to call back and give them a reference number to finish setting up my account. When I called, the rep who answered seemed to have no idea what I was talking about and said he needed to transfer me to a " special department. '' When he did, I was dumped directly into a voicemail of someone in the legal department who handles subpoenas???? 

I called a 3rd time and another rep answered -- she went through the same drill and said she had to transfer me to a " special department. '' She refused to give me the name of the department or their direct number. I was transferred and sat on hold for 15 minutes before hanging up. 

I called a 4th time and another rep answered -- I explained to him what was going on. When he asked me again for my name and last XXXX of my SS #, I asked him why did that matter because they would n't have my information if I did n't have an account. He said he had to take this info to set up the account, but once again told me I needed to speak to the " special department. '' He said he would wait until he reached someone before transferring me. I have now been on hold for 23 minutes and will hang up at 25 if no one answers. 

At this point, NetSpend needs to be ordered to refund my friend 's purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous written requests, the ITEMS listed below continue to appear on my credit report, in violation of the Fair Credit Reporting Act. The bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame allowed by law, they failed to investigate the problem effectively by employing a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my efforts to handle it directly with three CREDIT BUREAUS, they are willfully negligent and in violation of federal statutes, and I need this matter fixed as soon as possible. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXBalance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX I deposited a check ( check XXXX ) for {$600.00} into my Citibank checking account. As per policy I was allowed to take {$100.00} out on that day. ( I am allowed {$100.00} the day of the deposit, {$200.00} the next day, and the rest on the third day when I deposit a check ). I was surprised on the second day when, expecting {$200.00} to have been released, I went to the grocery store and my card was " not authorized. '' I went online to check my account balance only the area that usually has my account summary was completely blank with no information. I called up Citibank to find out what the problem was and was told that my account had been blocked for ten days because the bank of the writer of the check, XXXX XXXX, had given Citibank a courtesy call to tell them that this check would " possibly '' be returned. I called the person who wrote the check who assured me that the check had been paid and the money taken from his account. I called Citibank again ( Loss Prevention ) and spoke with a very helpful woman who spent some time trying to contact XXXX XXXX to discuss the matter, but she was n't able to reach anyone at the bank. Since then the check writer has contacted his bank, which assured him that the check was paid on the XXXX, the day after I deposited it. I have also viewed the check writer 's online ledger, which shows clearly that the check was paid and the money taken out of his account on the XXXX. My next step tomorrow is to call Citibank again, giving them the name and number of the person to contact at XXXX XXXX. Hopefully, this will solve the problem. But what I do not understand is why, when a check has been deposited and paid, is my account blocked for ten days, including access to my account information online. Even if the check had bounced, which it evidently has not, I could have simply deposited the money to cover the amount that I withdrew. It does n't seem to me that cutting off access to my account information was appropriate in this case. I did not do anything wrong and the problem they thought might possibly be a problem did not even occur. Why am I being punished by the bank?