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

I have successfully paid thousands of dollars to my Barclays JetBlue card balance without any issues. 

I recently opened a new checking account and added this as a payment method because I have a new job that deposits into this account. 

However, I accidentally chose this method of payment instead of my original checking account, and the account was debited and I was hit with insufficient funds and a {$28.00} returned payment fee. 

Again, this was the first time this ever happened and it was an accident. 

Now, I have made 3 payments of {$250.00}, {$250.00}, and {$500.00} in XXXX. Each one applies but then has a payment hold for more than a week. For instance, I made two payments on XX/XX/XXXX and was told, just now on the phone by Barclays, that they would not be available on my account balance until XX/XX/XXXX. 

So, this is a huge problem for me. The only way to get Barclays to release funds earlier is having a three way phone call with my bank to confirm that the transaction successfully debited my account. 

I have now had to do this twice and each time it takes me 30+ minutes and I am required to ask for a supervisor. 

So, I am either required to wait 8-12 days for my funds OR I am required to place a 30 minute  phone call every time I make a payment if I want it to be applied. 

I asked Barclays, politely, to stop this practice. Furthermore I confirmed with them that I have only ever had an issue with a payment once and they confirmed. 

Again, it was an accident. I was hit with a fee from my bank and from Barclays, and now I feel like I am being discriminated against, financially, with holds placed on my payments because of this one accident.
Product: Student loan

I was dealing with equitable acceptance with a repayment plan for my student loans. Come to find out, there have been no qualifying payment made to my loans. I had been told that I was involved in the student loan forgiveness plan, yet none of my payments were being credited to my student loans. Im not sure what this company was providing me? Why were they taking my money and I was getting nothing in return??
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer disputing XXXX XXXX and XXXX XXXXXXXX Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information XXXX XXXX is reporting on my Equifax and XXXX credit report is false and inaccurate. 

1. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX XXXX was paid-in-full {$6700.00} by the Bankruptcy Trustee.

2. XXXX XXXX is reporting the account Status as in a Payment Plan. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee.

3. XXXX XXXX is reporting the account as Transferred to recovery. This is not correct. This account was properly included in Chapter XXXX  filings and the Chapter XXXX   Bankruptcy was Discharged on XX/XX/2016.

4. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy.
Product: Credit reporting or other personal consumer reports

I have a filed a complaint against the Erly Warning system who reporting inaccurate information on the report they have created for me. See attachment below
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts and a Bankruptcy on my credit report that aren't mine. Please remove them.
Product: Debt collection

Hello, back in XX/XX/2020 and then XX/XX/2020 I requested a validation of debt for the accounts ending in XXXX and XXXX for XXXX and XXXX. I still have not received a response. Because you have failed to validate this debt, please remove it from the credit reporting agencies as it has been several months. Please see the attached email from XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries which are reporting on my credit reports are not mine. I have informed the credit bureaus on 3 occasions and they failed or refused to investigate. Here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX KXXXX XXXX XXXX
Product: Debt collection

my name is XXXX XXXX XXXX capital one 18 months never late XXXX XXXX XXXX pod special handing XXXX XXXX XXXX this is ssa fraud deposit before any changes day XX/XX/XXXX XXXX XXXX XXXX totalXXXX XX/XX/XXXX insurance fraud state auto XXXX XXXX XXXX XXXX credit breach XX/XX/XXXX atm errors refund blocked XXXX XXXX XXXX each deposit billed labeled dated fraud alert
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I got a pre-approval for a car loan with XXXX XXXX approx XX/XX/2018. I went to XXXX XXXX XXXX to purchase a car with my approval, which they said they would accept. They said they needed to re-run my credit to confirm that it had not changed when I arrived and I agreed to them running my credit to verify. During this time, they ran my credit multiple times with multiple banks resulting in multiple inquiries.I am attaching the pre-approval letter I received from XXXX XXXX as well as proof that used the XXXX  XXXX approval for my loan. I never knew of the additional inquiries and never approved them as I was already pre-approved which I did specially to avoid having multiple inquiries. I would like all of the inquiries from XX/XX/2018 removed from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I have no liability to XXXX XXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX  brought the debt from XXXX AT XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXXXXXX XXXX COLLECTIONS to provide me the direct contract between them and XXXX AT XXXX XXXX showing that they are authorized to collect for VILLAS AT XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to out of XXXX XXXX XXXX and Experian reporting this to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DIDNT GIVE THESE COMPANIES AUTHORIZATION TO RUN MY CREDIT REPORT. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading specifically XXXX XXXX ( XXXX ) - ( XXXX ) XXXX and any non account holding hard inquiries. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on I want the incorrect information on my credit file be corrected immediately, and my rights not to be violated further.
Product: Debt collection

The phone calls need to stop. 

First call : XX/XX/XXXX. I was working. Ignored. 
Second call : XX/XX/XXXX. I was working. Ignored. 
Third call : XX/XX/XXXX. I was working. At this point I was going to tell them to leave me alone. 
Fourth call : XX/XX/XXXX. I was working, but I told them to stop calling me especially during work hours. 
Fifth call : XX/XX/XXXX. At this point I told them if they called me again I was going to report them because I am on the donotcall list and I requested to be left alone. 

They called again twice today at XXXX XXXX. No response, I ignored them.
Product: Checking or savings account

I have a savings account with Capital One and noticed that you are suing them for maintaining low interest rates on the 360 Savings account. I opened such an account approximately 9 years ago, which was their highest yield product. I hardly ever reviewed the account and only open the on-line account to transfer or deposit funds. The account has always had a balance of approximately {$200000.00}. Just a few days ago, my wife and I were carefully reviewing our various bank accounts and I was surprised and shocked to see that account was only earning 0.8 %! I immediately called and inquired about this problem. I was told by the customer rep that he was very familiar with the problem and immediately moved my account to a 360 XXXX XXXX account ( with the same number, access and password ). I was pleased to see that the new interest rate was 3.8 %, which is 4.75 times the existing rate. I tried to get more information about the drubbing I had taken, but that was all he was willing to share! Its ironic that just 5 days later I see the information about the lawsuit that CFPB has filed about this exact problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments on credit report In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Due to these violations I have a right to sue per violation.
Product: Credit reporting

XXXX XXXX XXXX is reporting the same account twice on my Equifax credit report, once under the name " XXXX XXXX. XXXX XXXX and a 2nd time under the name " XXXX XXXX XXXX '' who issued the credit card on behalf of the credit union. Both of these are the same account although they reflect XXXX different account numbers, thus being reported separately and are duplicated on my credit report at Equifax ,. XXXX of the XXXX should be removed so that my credit report only reflects the credit card once, either under XXXX or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Amount : negative XXXX dollars and XXXX cents {$19.00} I HAVE NEVER USED THIS MERCHANT CARD WAS NOT AUTHORIZED FOR XXXX CARD WAS NOT PHYSICALLY PRESENT SOUTHSTATE BANK NOTIFIED OF FRAUD WITHIN MINUTES OF UNAUTHORIZED CHARGE ON XXXX XX/XX/XXXX IN RESPONSE TO TEXT MESSAGE TO ME FROM SOUTHSTATE BANK.

SOUTHSTATE BANK ISSUED PROVISIONAL CREDIT : XX/XX/XXXX Provisional Credit XXXX Amount : XXXX dollars and XXXX cents+ {$19.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX RETURN XX/XX/XXXX XXXX Amount : XXXX dollars and XXXX cents+ {$19.00} ; IN THANKING YOU FOR YOUR ATTENTION AND ASSISTANCE, I AM XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$21000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX  Balance : {$500.00}
Product: Debt collection

The following Account is in violation of the FCRA. 
Account name : XXXX XXXX XXXX This account is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days.

In accordance with the fair credit reporting at XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs XXXX has already removed this account due to serious errors in reporting
Product: Mortgage

Bank of America failed to process authorized auto-payments for a Home Equity Line of Credit ( HELOC ) starting XX/XX/year>. Payments were scheduled to be processed every other Friday, timed with direct deposit. Despite receiving confirmation of auto-pay setup and reports of seven completed transfers totaling {$4200.00}, the transactions failed, causing late fees, penalties, and a significant negative impact on the complainant 's credit score. 

The issue was first detected after receiving a credit report notification. Despite notifying Bank of America and providing evidence, the bank maintained that all account details were correct, refusing to correct the issue. A {$54.00} fee was reversed as a " courtesy, '' but other fees and the negative credit reporting remain unresolved. 

The complainant provided evidence of direct deposits, failed transactions, and credit report impacts, including a XXXX FICO score drop. 

The complainant is seeking reversal of all fees and correction of credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed had to add multiple initial fraud alerts, the most recent that I filed was XX/XX/2021 that was removed from my equifax account without my permission and no one at Equifax can tell me why. I have mailed paperwork three times to get an extended fraud alert added for me and once for my mother. Her information was received and add to Equifax. I mailed the documents on the same days which was XX/XX/2021, then again on XX/XX/2021 and then mostly on XX/XX/2021 with tracking information from XXXX Delivered, Individual Picked Up at Postal Facility tracking XXXX XXXX XXXX XXXX XXXX XXXX Delivered. Per XXXX tracking information my documents were received by Equifax on XX/XX/2021 @ XXXX and picked by an individual at the postal facility. I contacted Equifax on today XX/XX/2021 and spoke with several reps, who stated they don't have my documents and the supervisor XXXX she stated they don't have the documents. I called previously after both XXXX  and XXXX had added my extended fraud alert back in XX/XX/2021. After being wrapped up in 2 Equifax data breaches and having to send my documents three times for one at Equifax to be able to locate my documents is a scary situation. I need help and assistance because no matter how much information I have that my documents were received or that an initial alert was placed and removed without my consent they are not protecting my credit file. Equifax provided information that the initial alert was removed from my account and still have no clue as to why. Equifax initially had someone else 's information on my credit file. I had to provide proof of who I was to have my information corrected to get speak with a rep at Equifax. This continues to happen for the past several years. I am a victim of identity theft.
Product: Credit card or prepaid card

During my purchase of XXXX  phone on XX/XX/2020 at XXXX store online the tax amount shown as I will be charged was {$68.00} and after the transaction was completed my card was charged for {$82.00}. I have filed a dispute with Apple Card ( Goldman Sachs ) and they said they will reach out for evidence from me but didnt happen and after few days they said it went in merchants favor. So I filed a dispute again and they could not resolve. So I have paid off all the other balances in my card except {$82.00} and closed my account.
Product: Payday loan, title loan, or personal loan

RISE charged off my account, but an agreement was reached between RISE CREDIT and I, that if I paid a certain amount they would reverse it. I paid that amount but they did not fix it on my credit report.
Product: Checking or savings account

I received XXXX 1099 from Valley National Bank out of XXXX XXXX. I am not a customer and I live in XXXX area. When I called the bank and gave them the account number listed on 1099, they couldnt find the accounts. 
On the 1099, they have my SS # and name and address. There is a data breach or data mixed up somewhere with this bank. Not sure where this is going but I sure hope some would investigate.