23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

reviewed my consumer reports and noticed I have payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. 
According to the law A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date These late payment reporting to my credit is effecting me in a negative way Im not able to get approved my house loan please investigate and update this as soon as possible.
Product: Credit card or prepaid card

I received a credit card in the mail ( Bank of America, Airfrance Master Card ) on XX/XX/2023 that I did not apply for. Credit Limit of XXXX. I immediately called Bank of America and reported this and they are doing an investigation.
Product: Checking or savings account

I dropped off a payment check to my local post office to pay for my credit card bill around XX/XX/2022. The check was made payable to my credit card company for {$170.00}. The check was altered and forged to someone I do not know and for the amount of {$6400.00}. My bank, East West Bank paid the check on XXXX and in the amount of {$6400.00}. I contacted the bank as soon as I noticed and Forgery Affidavit Claim was submitted on XXXX. 
Another check was forged and paid in XXXX. East West Bank opened a forgery case for that check. I was under the impression that my account was under special care/flagged. I was advised not to close account yet as I had some outstanding checks and payments that had not cleared. How could this happen to my account again and for such a large amount?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've always had a credit score of over 800 because I always tried to be very careful with credit cards. a few weeks ago I was in the process of getting a home loan for a house I really wanted to purchase. My loan had gotten denied and I found out it was because my credit had dropped over 200 points. I had discovered my ruined credit was a result of an automatic online annual XXXX dollar charge on an old Barclays card I had. This is a card that I had for over a decade, I used this card in the past for hundreds of transactions and have always paid my balance on time every month. I had stopped using this card during the pandemic because of my financial situation and saving for the home purchase. I do not receive paper statements for this card. Some website apparently signed me up for an ongoing annual subscription and charged XXXX dollars to this card. I never received any communication about this small charge not being paid by me. I had finally received a letter from Barclays saying they closed my account, after the fact that is. I immediately paid for the charge when I found out about it, but my credit was completely ruined by that point. I had done everything within my power to communicate with Barclays to at least get my account reinstated as I've had a long and good credit history with them and I've always paid them on time. They did not reinstate my account and weren't willing to remove any negative reporting to the credit bureaus and I lost the home I was trying to purchase. All of this was over a XXXX dollar charge after being a great customer of Barclays since XX/XX/2004. They haven't communicated with me about what was happening and they chose to lose me as a good client and ruin my credit and not even try to fix anything. Total disregard to a person financial well being ... a long time client who made them a lot of money. I would love for you to publish this so people can be warned of how Barclays will completely disregard someone's life. Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REINVESTIGATE THE DISPUTED ACCOUNTS AND HAVE IT REMOVED OFF MY CREDIT REPORT FOR IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
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  XXXX Account Number : XXXX Account Name : XXXX  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 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.
Product: Money transfer, virtual currency, or money service

On [ XX/XX/year> ], I had my XXXX account deactivated and my funds withheld for 90 days without proper explanation or justification. Despite my efforts to provide required information and authorization, XXXX took this action, causing significant inconvenience and financial loss to my business. 

*Background* I operate a gift card redemption and purchasing service, and I had been using XXXX to process transactions. I provided XXXX with a detailed description of my services and obtained the necessary authorization to operate. However, on [ XX/XX/year> ], my account was suddenly deactivated, and my funds were frozen. 

*Attempts to Resolve* I have tried to reach out to XXXX 's XXXX support team to resolve this issue, but they have not provided a satisfactory explanation or solution. I have also provided additional documentation and information requested by XXXX, but the issue remains unresolved. 

*Desired Resolution* I request that XXXX : XXXX. Reactivate my account immediately XXXX. Release my withheld funds XXXX. Provide a clear explanation for the account deactivation and funds withholding XXXX. Take steps to prevent similar incidents in the future XXXX XXXX I request that the XXXX assist in resolving this matter by : XXXX. Investigating XXXX 's actions and policies XXXX. Facilitating communication between myself and XXXX XXXX. Ensuring that XXXX takes appropriate steps to rectify the situation Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My final payment for my XXXX XXXX XXXX was made on XX/XX/XXXX. I was told when I called a month prior to verify that the final payment was on that date, that I had one more payment to make on XX/XX/XXXX. When I called on XX/XX/XXXX to find out why I hadn't been charged, my account manager informed me that I had made the final payment the week prior and the title would be mailed out shortly. 

On XX/XX/XXXX the car was totaled. I was informed a week later that I would need the title for insurance, and called on XX/XX/XXXX to find out why I hadn't received the title, and why a late payment of over 30 days was listed on my credit. I was informed that the title should be on the way and they would remove the negative remarks on my credit. 

I have called multiple times a week since, and have been offered excuses such as the title clerk is on holiday, my account manager is not in the office, or, even more baffling, that this is a common issue for them to send the wrong information to the credit agencies and that when I dispute it, they will be sure to remove it. Which STILL has not happened. 

6 months later, I was still showing that I have a past due payment and it is 2 months late. THE CAR IS PAID OFF AND HAS BEEN SINCE XXXX! I finally got my title and was able to get it to the insurance agency to finish totaling the car out, but this has wrecked my credit for months. Disputes with the credit agency keep getting sent back as accurate, even though my account manager has confirmed my account is closed ( paid off ). 

Now we are almost a year from the time the car was paid off, and it is still showing as past due of not even a full payment! I have continued to call and leave messages with the operator, and managers refuse to return my calls or respond to my complaints through the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I followed a link online for 'Free credit report and fico score ' from Transunion.com. There, I was presented with a 'trial ' offer and access to my scores. I created the account and was charged IMMEDIATELY in the amount of {$24.00}, BEFORE I WAS ABLE TO LOGIN TO MY ACCOUNT! So much for 'free trial. ' Then, I proceeded to attempt to view my FICO score. The site required an ADDITIONAL {$29.00} to view the FICO score! I contacted them by phone but was hung up on. I tried to contact them by email but the response was, " Message could not be delivered because the server is misconfigured. I contacted them again by phone and used the 'callback ' feature. They called me back and I asked for a refund. The operator stated that I would be receiving a refund. I don't trust them.
Product: Debt collection

I am a XXXX veteran and I was treated on XXXX/XXXX/13 at XXXX XXXX Hospital as per an agreement between the Veterans Administration and XXXX Hospital. The VA has made payment in full for this treatment. 

This is the second or third time I am having to deal with this. The collection company name has changed from the XXXX now to Avante USA but a XXXX XXXX is the CEO. This leads me to believe that this is the same company. The name XXXX XXXX XXXX I am not familiar with at all. 

The fact that they have out of the blue turned up and have entered this account as a collections account on my XXXX credit file upsets me very much.
Product: Debt collection

Portfolio Recovery Associates continue to call trying to collect on a discharged ( bankruptcy ) credit card debt. This is harassment and needs to stop. This company is known to buy debt ( even known to be discharged and no longer owed ) and harass people until the finally give up. I have told them this is not owed and do not call. They continue to call and only care about money regardless if it is owed or legal for them to pursue. This is unacceptable and MUST STOP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my name and addresses to be fix over 4 times with the credit bureau Equifax and XXXX. I have disputed by mail and Ive disputed by mail in writing I have one Name XXXX XXXX XXXX and one address XXXX XXXX XXXX XXXX Fl XXXX They have not removed all other names listed on my report And have not remove addresses I dont live at On Equifax XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX On XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl These address my Son resides at not me. 
They have names that I dont use in my credit report as well. This is a problem!
Product: Debt collection

Upon submitting a complaint against XXXX for reporting negative information on my credit report, the company did an unauthorized hard pull on my report. Report number XXXX.
Product: Money transfer, virtual currency, or money service

I have {$170.00} in my Venmo account ( service owned by PayPal ) since XXXX, but Venmo is preventing me to use my own money. 

I can't transfer the balance to my bank account, neither to other Venmo users. 

I already asked for help with Venmo support, but emails took days to get answers and no solution was provided, only walkarounds that don't solve. 

Support asked me to register my bank in XXXX, I have tried both options without success. 

In the " Instant Verification '' option, my bank ( XXXX XXXX  XXXX, XXXX  ) isn't in their database, so the system doesn't allow me to finish the setup to make the transfer. 

In the " Manual Verification '' option, after input all data, Venmo doesn't go ahead to finish the process. 

It's kinda bug because my husband has the same bank registered in his Venmo. 

I also have tried to transfer the balance to my husband 's Venmo account, but the XXXX always asks to register my bank account prior to allowing me to transfer, even with the balance available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two rounds of dispute letters in thirty day increments to the bureau with the first round being the initial letter that included the dispute of five alleged collections/charge-offs accounts which was signed for on XX/XX/2022. I did receive a response of a generalized validation of those alleged accounts within the proper thirty days requirement. However, a second round dispute letter was sent and signed for on XX/XX/2022 which requested a more in-depth validation such as original contract, wet signature, and itemized debt. Unfortunately, more than thirty days has past without a response, thus per both letters the credit bureau has a legal obligation to delete any and all alleged debts that are not validated within thirty days under the FCRA XXXX provisions.
Product: Credit reporting

The XXXX Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX. XXXX in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The XXXX Department of Education received notice from XXXX on XXXX that my loans were discharged. Nonetheless, and inexplicably, the XXXX Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XXXX XXXX XXXX. Now, each of the XXXX credit bureaus -- XXXX, Experian, and XXXX -- is incorrectly reporting that my loans are in balance status when they have been discharged by the XXXX Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over 130 days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.
Product: Credit reporting or other personal consumer reports

Experian failed to Take off a Fraudulent Address, stating that the Company XXXX XXXX. Verified this address, there fore it was valid. XXXX XXXX authorized a Fraudulent charge to my Name and has no authority to keep this address that I have NEVER lived at nor have any association with on my credit report.
Product: Debt collection

{$910.00} Account number : XXXX I had 3 accounts with this collections company dealing with this matter. The other two were removed and deleted.
Product: Credit reporting or other personal consumer reports

I never applied for these inquiries auto loans or personal loans. I do not recognize inquiries please remove immediately I did not authorize any of these inquiries
Product: Credit card

Closed account XX/XX/XXXX card cut up because rep with a foreign accent wanted me to send copies of drivers license and social security card which Im not going to do. Never had a credit card company ask me for this and fear this may cause identity theft. My credit union rep issued a certified bank check XX/XX/XXXX to pay off the entire balance on my statement which was received on XX/XX/XXXX by Citicards. They claim it was returned by bank which is ridiculous because XXXX other like checks cleared just fine. On XX/XX/XXXX they called and wanted the bank checks routing # and account # off check to process and they claim it failed to process again. Note this was not paid on my personal check but on a certified bank check I called my bank rep and she said they would need the physical check they mailed back to void and reissue funds another way. I have let XXXX citicard reps know this but they keep calling and harassing me. My bank rep XXXX tried to contact citicards to get it paid but they told her they ca n't discuss my account with her. This better not affect my credit rating as we have in good faith paid the entire balance as of XX/XX/XXXX well before the due date. This is ridiculous and a tremendous inconvenience and waste of time for all. I have all documentation attached to back this up including a copy of the original certified bank check, statements and emails with my credit union rep. This kind of activity where credit card companys have free reign is why so many americans have bad credit when they should not. I appreciate your help in getting this matter resolved quickly so we can move on
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sabotaged my credit with false late payment claims when in fat the payment was confirmed received and applied to my account before due dates. It wasn't until i went to refinance that I noticed these damaging reports and when i spoke with A Hire up I was told they would be corrected and the payments where also under an agreement program in which no late fees or charges or reports will be applied. I also noticed that there reporting was inaccurate across all three consumer reporting agencies which makes these reports in accurate. I would like all late payments removed immediately.
Product: Debt collection

XXXX XXXX has not provided validation of ownership of debt such as a signed agreement between myself and them stating that I owe the debt on any of these accounts they now own.
Product: Credit card or prepaid card

Fraud by D .E AS IN DIRECT EXPRESS FROM XXXX - XXXX. IN XXXX D E. SAID THEY WAS THE ONLY OPTION SINCE MY MOMS CHECK AND MY CHECK DISAPEARED AND CALLS AND CONTACTS WERE INTERCEPTED MAIL REDIRECTED AND DIDNT RECIEVE OUR UPDATED I D, DOCUMENTS OR SECURED AND CORRECT FUNDS ONCE I AGREED TO THE CONSTANT BADGERING FROM D. E. TO USE THE DEBIT CARD FOR XXXX AND SOCIAL SECURITY SINCE THEN THERE'S BEEN THOUSANDS OF DOLLARS MISSING BEFORE AS THIS AND XXXX XXXX USE XXXX XXXX TO OPPRESS AND DESTROY MY FAMILYS FINANCES CREDIBALITY AND FREEDOM AND MY MOM WAS TAKEN FROM HER HOME IN XX/XX/XXXX, HORRIBLY XXXX   XX/XX/XXXX IN XXXX XXXX XXXX XXXX HOSPITAL BECAUSE OF DE NEGLIGENTLY ENABLING ID THEFT. UNFORTUNATLY DE SEEMS VERY FRAUDULENTLY PROFFESSIONAL IF DE ALWAYS PREVAILS IN DESTROYING XXXX FAMILIES AKA VICTIMS EXTORTED FINANCES ARE BY D.E. INSIDERS AND CRIMINALS THAT WORK WITH DE. TONIGHT ANOTHER TWO VALID CLAIMS OF OVER XXXX DOLLARS MISSING FROM MY ACCOUNTS ARE BEING ERRONEOUSLY DENIED BY TEIR 2 AFTER TIMELY FILING BY FAX BY MAIL AND FAX AGAIN APPEALING TO UNJUST DIRECT EXPRESS.
Product: Checking or savings account

XXXX check # XXXX, originally made out to XXXX XXXX dated XX/XX/XXXX appeared on my bank statement and in pictures of my cleared checks of XX/XX/XXXX, altered. In a different handwriting the check was made out to ( illegible ) XXXX for a changed amount of {$8200.00}. I believe original amount was {$50.00}. I telephoned the problem to my branch of XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX to report the altered check upon receipt of the bank statement and visited there the following day. I described my problem to XXXX XXXX, bank supervisor, who showed me her copy of the altered check, picking it out of the other checks for the XX/XX/XXXX statement. She explained to me that the check was XXXX of many altered checks her bank receives monthly, and was an example of check frauds occurring throughout the country. 
Never having heard of this scam, it seems checks are stolen from mailed letters, original information erased, cashed by an agency involved in the fraud, and returned to the bank as cashed and cleared with all information showing the cashing agency on the back of the check also erased. She stated I was a victim of check fraud and assured me the bank would cover the amount stolen from my account. 
We filed a XXXX in XXXX XXXX form on XX/XX/XXXX. My account was closed to prevent further fraudulent actions, and a new account opened. She further informed me recovery of funds would take 4 months. Never having known about this type of fraud I didnt question the lengthy amount of time for getting back my money but waited, believing in the banks intention. 
In the interim I discovered a friend had also unwittingly been victimized by the same fraud, but his bank covered his stolen amount within a month of the occurrence. Thinking XXXX months long enough for bank to cover the stolen funds, I have been in contact who XXXX XXXX who now states the bank XXXX not be forthcoming for XXXX or XXXX more months which seems at best, a stalling tactic or worse, a suspicious one. At the very beginning the bank was informative, helpful and reassuring. Now XXXX concerned about my funds which is the subject of this complaint.
Product: Checking or savings account

Dear CFPB Complaint Team, I am filing a complaint against Charles Schwab for unnecessarily blocking my debit card while I was traveling abroad, causing financial stress and inconvenience.

After Schwab previously made an error in holding a duplicate charge on my account ( which I filed a CFPB complaint about ), they then blocked my entire debit card over a {$2.00} transaction instead of simply blocking the merchant or verifying the charge with me.

As a result, Schwab forced me to wait for a new card to be shipped internationally, putting me at risk of running out of money while traveling in XXXX. Schwab could have easily blocked the specific transaction instead of disabling my card. This decision has caused unnecessary financial hardship and stress due to their poor fraud detection process. 

Requested Action : I request compensation for any extra costs incurred due to Schwabs mistake, including ATM fees, money transfer costs, or delays.

I request that Schwab improve its fraud protection policies to prevent unnecessary card blocks while customers are traveling.

Schwabs actions have caused undue hardship, and I request that the CFPB hold them accountable for their poor fraud handling practices. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I went to XXXX in XXXX, 2022. I charged meals on my BJ credit card. I was offered to apply for special things through XXXX. I got an email saying I was chosen. I never heard any information about a {$700.00} charge. I had already purchased meals for the return flight. I never authorized {$700.00} to go on that credit card. That was almost the price of my entire trip. I made a claim to BJs. I found out after the fact that they closed out my claim twice. I kept asking for a reason that my claim was closed. I cant tell you all the ways I tried to get a response but never did. The credit card company sends me irrelevant letters. I never authorized this charge and the charge itself is ridiculous. BJs has been horrible. Im leveling a complaint.