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

On Friday XX/XX/XXXX I was attempting to make a purchase at the XXXX XXXX XXXX XXXX XXXX department in XXXX XXXX, XXXX XXXX. I swiped my card and was told that the transaction did n't go through because the fraud department had put a block on my card. 
No explanation was given, the clerk in the department had my passport, and my XXXX XXXX card, I was allowed to talk to fraud department. I explained to them that I had made many around 25 purchases, as some purchases had to be done separately to get credit or additional percent off. 
The supervisor of the department asked if they could send me a text to my cell phone. I reluctantly agreed and was then told since I have phone service through XXXX, they could n't send me a text because they could n't verify me. I do n't pay a monthly bill and the phone is a smartphone, just I buy blocks of time as needed. 
So the issue was never resolved. On Saturday XX/XX/XXXX I received a letter in the mail from XXXX XXXX Fraud Prevention, claiming that I needed to call them right away because they had been trying to reach me but were unsuccessful. I called the number sat on hold, and then someone picked up the phone and hung up. It was at that exact time as the department had just closed. 
Today XX/XX/XXXX i called and asked for a supervisor, I talked to XXXX. Well frankly I yelled and swore at her. I had entered my information into the automated system, with the specific phone number XXXX which is for the Cardholder Protection Department. I was told that the information I enter on the phone does no t get passed through to the agent or supervisor if one is needed. SO WHY AM I ENTERING THIS INFO IF IT DOES N'T GET PASSED THROUGH. 
I had to give XXXX all this information to verify who I was, I was still not able to get my account unblocked. We went through the same XXXX about getting a text to my phone. I CAN GET TEXTS, THEY ( XXXX 'S FRAUD DEPARTMENT ) CA N'T SEND ME A TEXT BECUASE THEY CA N'T VERIFY MY NAME ON THE PHONE OR SOME XXXX LIKE THAT. 
So XXXX asked me questions from available public records and I passed the security questions that I should have been able to do at the store on XX/XX/XXXX but, hey maybe they wanted to go home and did n't want to ask questions. Who knows. 
but they finally unblocked my card. 
XXXX, kept on saying that she understood how frustrating this must be and that they wanted me to use my card. However, they were not protecting me, and why would I want to use a card that caused me so much trouble. Would you want to use a card from any business if they unceremoniously blocked your card?
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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

I submitted my Income-Based Repayment plan application on XX/XX/XXXX ( my deadline was XX/XX/XXXX ). On XX/XX/XXXX I received an email that my application couldn't be processed and that I would receive a letter detailing why. I was told I was in a pending status. On XX/XX/XXXX I received a vague letter in my XXXX XXXX inbox that either my current income couldn't be determined or the income documentation was more than 90 days old and that I should submit new documentation " within the next couple of days. '' Nowhere was it mentioned that my interest could capitalize. I realized that the documentation I had submitted was from XX/XX/XXXX ( so 10 days off from my submission date ) and submitted a new pay stub on XX/XX/XXXX ( in the " next couple of days '' as requested by XXXX ). I then randomly logged in to my account on XX/XX/XXXX and noticed that my interest had been capitalized on XX/XX/XXXX! I also noticed on XX/XX/XXXX that there was a letter in my inbox ( which I had NOT been notified of by email and would not have seen otherwise ) stating that " Since we did not receive your complete annual documentation, your new payment amount is not based on your income, '' even though I had submitted the correct documentation on XX/XX/XXXX. I called XXXX on XX/XX/XXXX ( since XX/XX/XXXX was a weekend ) and a request was placed to look into this. I called again on XX/XX/XXXX to check on status and was told that it may take 7-10 business days. They were able to finally process by IDR Request at that time. I called again on XX/XX/XXXX to check on the status and was told they were very busy and it may take up to 20 business days. I called again on XX/XX/XXXX and was told that the review of my case was completed on XX/XX/XXXX and they had denied my appeal to " de-capitalize '' my interest because I missed the deadline. Throughout the whole process I talked to multiple XXXX   reps. Each person had a different answer for me. Some employees told me that interest can never be " de-capitalized, '' while others said that was not true. Several employees told me that it doesn't matter that the interested was capitalized since I was in PSLF and it wouldn't matter in the end ( I don't plan to use it ). While my initial income verification form was off by 10 days, this would have been easily fixable if XXXX would have processed my application in a timely manner ( before the XXXX deadline ). I submitted my new paperwork in a timely manner. I also find it egregious that the letter telling me my interest was capitalized stated that I hadn't completed my paperwork ( even though I had ) and it was NOT sent to my email inbox until XX/XX/XXXX. Additionally, besides employees giving me completely different information literally every time I call XXXX, they never provide any written confirmation of our conversations or a case number, so they rely on their completely inaccurate internal information ( i.e. gentleman on XX/XX/XXXX saying my review has closed on XXXX, when the person I spoke to on XX/XX/XXXX told me case was still open for review ).
Product: Debt collection

ATG Credit called and sent me a letter, to purport I owed {$3800.00} for XXXX XXXX XXXX XXXX  ( which is a lie and also totally preposterous ) of a made up initial debt of {$4000.00} from XX/XX/2018. The Doctors office is XXXX XXXX XXXX ( XXXX ) XXXX I had paid at the time of the test and then my health insurance paid another {$37.00} I NEVER got even one bill from XXXX XXXX in this time, almost 6 years ago. Not one phone call either until a call in XXXX where she tried to get me to make a payment. I never ever heard about this until this phone call.I called XXXX XXXX XXXX  office and they were also shocked. They told me XXXX XXXX has gone bankrupt. 

This is some sort of bizarre collection around the bankruptcy and acquisitions of many failing companies buying each other in a legal mess and making up false charges to try and collect as much as they can from people who don't owe anything from a long long long time ago. You can read about it online. 

It is obviously made up and the most bizarre thing I have ever experienced. Ive had a lot of XXXX XXXX over many decades and no XXXX XXXX XXXX ever costs {$4000.00}! Ive never seen any XXXX XXXX ever cost even as much as {$500.00}. This is common knowledge and common sense. AND Any actual medical bill is sent to the patient to pay a month later, not 6 years later, and it's also not conflated to be ten times what it actually costs. 

I also have never ever had a bill in my life go to collections. I pay all bills that are received and also real. 

So unethical.
Product: Debt collection

EQUIFAX and XXXX XXXX Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statue of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.
Product: Debt collection

a account with XXXX XXXX was opened in my name sometime in XXXX the address for this location was in XXXX tn and i have never lived in this town. ive made several attempts to fix the issue with XXXX but all have failed. ive received a collection from a collection agency and this is now damaging my credit. the address for this account was XXXX XXXX XXXX XXXX XXXX XXXX and the property is owned by XXXX XXXX ive asked XXXX to contact the property owners to verify ive never lived at this address and they refused
Product: Credit reporting or other personal consumer reports

XX/XX/year> submitted 605C human trafficking proof to experian & transition ONLINE ( police reports, victim advocate letter, personal letter & proof of identity ) and which accounts need to be blocked. 

XXXX  have called daily and there has been no response or resolution. Each time I speak with a representative they say they are " too busy '' or backlogged. This violates the guidelines of the 605C debt bondage relief act. This is putting me at risk for losing my housing due to the deragatory information and I have told the representatives repeatedly of this emergency situation. I have reminded them that there are only 4 businesses days to block this information and we are past that deadline. 

TRANSUNION_ claims they do not have my documents and are not allowing me to upload them online. they have had my paperwork XXXX XX/XX/XXXX per the representative I spoke with today. it is now XX/XX/XXXX! Significantly beyond a 4 day period. 

I have rebuilt my life significantly over the last 5 years and this old information from a traumatic time in my life continues to haunt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO this is ridiculous, because after filing over 15 complaints with XXXX XXXX, Equifax and XXXX, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard work.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information on my credit report that needs to be removed immediately.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I went to XXXX XXXX on XXXX XXXX in XXXX XXXX FL and purchased a refrigerator. I did not have enough money to purchase the refrigerator outright and they offered me a financing option. I completed my information on a small tablet and typed my signature. The clerk at the store told if I paid it off in three months, I would save allot of money. She said they send you a notification when you are close to the three-month window so that you dont miss it. The company was Acima acct number # XXXX I didnt receive any correspondence from the company ACIMA except for the day I made my purchase in XX/XX/2021. I made myself a note to pay off my account within the three-month period- I tried to pay it off on-line. It would not allow me to do it. It kept saying I had to pay a much higher amount. I called them and was on-hold for an hour. I was finally able to get someone on the phone and she told me I was 4 days over my ability to pay off my account for {$1500.00}. They said my payoff was a little over {$2000.00}. The representative said that they sent me a notification 10 days prior to the cash price payment expiration date. I checked my email and spam. I did not receive anything. I did not receive any mail. I asked if they would make an exception for the 4 days and allow me to pay off my refrigerator. She said there were no exceptions. I explained that this would be a hardship for me to pay over {$2000.00} in finance fees on top of the purchase price of XXXX. In just 12 months. When she said no, they would not make an exception, I told her I wanted to return my merchandise. I could buy a new refrigerator for less than the payoff price they were asking. They did not come and pick up my refrigerator. I sent them an email asking them if they were going to do that and what was the process. I have made several calls and sent 4 emails. I had gotten a response a few days ago telling me I had to call to have it picked up. They are clearly giving me the runaround. They also said I must pay the {$900.00} that they are owed before they will pick it up now. I need help. I dont understand what I have gotten myself into
Product: Checking or savings account

Okay my fiancee had his inheritance put in my name I did a credit check on CREDIT KARMA it show my money savings account and said order ur debit card and I put my information in and it declined me so now I can't find what bank my net worth is in or even use my money please help
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding XXXX failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : Employers : SOUTHWEST Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

they reporting XXXX XXXX  and XXXX  XXXX increase when i didnt use the cards
Product: Checking or savings account

In the month of XXXX, my checking account was in the negative from an online XXXX account falsely charging approx. {$800.00} for a product I did not receive. This began setting my account in negative with multiple OD charges. I contacted XXXX and company to resolve matter, initially returning half the amount immediately and then once investigation completed the remainder of monies returned to my account. At the same time my place of employment, where I have biweekly XXXX XXXX  paycheck automatically deposited for past three years, was bought by a new company XXXX. My pay check was now delayed an additional week, and initial payment was a check. I deposited check as soon as possible due to my OD account knowing I have automatic monthly payments also due. The initial hold was three days, releasing {$100.00}. I needed to grocery shop and purchase gas as I knew this check would clear soon. This morning four days after initial deposit the check total amount ( approx ) {$1700.00} was taken back out of my account and placed on additional 6 business day hold. I now have no monies available for the rest of the month, and a total OD to present date for XXXX is over XXXX XXXX I called the bank today to discuss releasing check and removing some of the OD charges. The did not remove any charges and are looking into the bank hold. Meanwhile I am sinking with a mortgage and XXXX  XXXX payment pending. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the UCES staff in particular an agent by the name of XXXX XXXX. On Thursday XX/XX/XXXX, XXXX XXXX and I were on a social media forum called XXXX and she and were having an exchange of words when she broke agent-client confidentiality and violated my Personally Identifiable Information by revealing in the very public forum of 154 people in her own words " your credit still XXXX because you could not DIY ( do it yourself ). To express that gave the impression that she still access to my personal credit file, that she still had my Social Security number and could pull my credit report whenever she felt like it. I have not been a client of UCES since XX/XX/XXXX, so how would she know the status of my credit information if she did not have access to that type of information. I feel uneasy, disappointed and utterly violated. I contacted the person who brought her into UCES. His name is XXXX XXXX, who then contact his Regional Vice President whose name is XXXX XXXX. They both stated that they would reach out to me on Friday XXXX XXXX and today is Wednesday and I have not heard anything from either party. I will continue to file my complaints until a resolution is made in this very humiliating situation. Whos to say that when she gets in a fit of anger won't do this to someone. This happened to me and I am deeply hurt by the lack of integrity, professionalism, discretion, morals and over all code of ethics this individual failed to display. This person is representing you UCES and I would think you would have acted quickly on this situation.
Product: Credit card or prepaid card

I had several store credit cards, all administered by Comenity Bank ( XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX, etc. ) On all of these cards for many years I opted into and paid fees for their " Credit Protector '' feature, a feature of which was in the event of involuntary unemployment my minimum payment would be forgiven, and if unemployment lasted longer than 2 months, the entire outstanding balance of the debt at the time of the claim would be forgiven. 

I became unemployed XX/XX/XXXX after being continuously employed for the previous 5 years ( and paying for the credit protector service that entire 5 years as well ), my accounts were all in good standing at the time I became unemployed, and I immediately filed claims for all of my Comenity Bank cards where the " Credit Protector '' service was paid for. I remained involuntarily unemployed for a period of 6 months. Well in excess of the 2 months required for complete debt forgiveness under their advertised program, and provided the requested documentation twice. Comenity bank did forgive payments for one or two payments ... but after that, they did not forgive the debt as promised, and my accounts went into collections. When they called to collect, I explained that I had submitted a claim, and that the debt was supposed to have been forgiven at that point, but their collection people simply insisted on me paying them money which I did not have ( as I was still unemployed ) Comenity bank has destroyed my credit, and now the debts have been charged off and sold to outside collectors who continue to harass me seeking payment of debts that were supposed to be forgiven under the terms of the " Credit Protector '' agreement.

I have previously provided the following documentation to Comenity Bank on two occassions, with no acknowledgement that they ever received them. 

I have attached the payment information for my final unemployment payment from the RI Department of Labor and Training, you can see the final payment was made on XX/XX/XXXX for the week ending XX/XX/XXXX and that the remaining balance on my claim at that time was {$0.00} meaning I had exhausted my entire 26 weeks of  unemployment as of XX/XX/XXXX, which if you calculate back 26 weeks brings us to approximately XX/XX/XXXX which is when I became unemployed and filed my initial claim with Comenity Bank 's " Credit Protector '' service I have also included a copy of my separation letter verifying the date I became involuntarily unemployed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to access my credit report or any other credit information through Experian. 

The phone number associated with my Experian account is no longer my phone number. In order to log in, Experian is asking me to confirm my identity via the phone number they have, which I do not have access to. I am unable to reset my password to access my report because this process also requires confirmation through the phone number I do not have access to. 

Beginning on XX/XX/XXXX I have attempted to contact Experian 's customer service thirteen times and have only received two automated responses that have not solved the problem. 

As of today ( XX/XX/XXXX ) I am still unable to access my credit information through Experian.
Product: Credit card or prepaid card

My Issue : Barclay Mastercard does not provide a way for me to find out what my XXXX XXXX XXXX is. And they do not provide me a way to apply payments to the XXXX XXXX XXXX. 

What happened : I accidentally used my Barclay Mastercard at an ATM in town on XX/XX/XXXX. I intended to make a withdraw using my bank debit card. The ATM machine did not indicate in any way that it was a cash advance on my credit card. 
I needed {$1000.00}. and thought I was withdrawing from my checking account. I chose Checking account on the ATM. 
I had to do two withdraws of {$500.00}. each. My original {$1000.00}. withdraw was denied by the ATM. 

I was not notified by the ATM or my credit card company that I had done a Cash Advance. 
I noticed a few days later that there were 2 charges of {$25.00} on XX/XX/XXXX in my credit card transactions. 
I called Barclay Mastercard and they told me that I had done 2 XXXX XXXX of {$500.00} each and they would not refund the two {$25.00} fees. 
I asked them how could I see what my XXXX XXXX balance was so that I could avoid paying their % 24 interest fee. 
They told me that only they could see the balance and that I would have to pay it off in full to avoid any interest fees on the XXXX XXXX. 
I paid an additional amount ( {$1200.00} ) in addition to my auto payment on XXXX XXXX, and had to hope that it would be applied to my XXXX XXXX balance. There was no way for me to apply the extra payment to my XXXX XXXX XXXX. 

I then called Barclay back on XX/XX/XXXX to ask how I could see if I had a XXXX XXXX balance. 
I was told I would not be able to see my XXXX XXXX balance and I would just have to wait for my next statement to see if any fees were charged. 
And once the fees were charged, they would not be reimbursed because the terms were in my customer agreement when I signed up for the credit card. 
The terms for a cash advance ( fees and interest rate ) are in the customer agreement, but the fact that I can't see the balance is not. 
I asked if I could disable XXXX XXXX  on my card, they told me I could not. 

Since the credit card company is hiding my XXXX XXXX  Transactions and Balance, then they should not be able to charge me interest or fees on it.