23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Each month, I pay my Discover card in FULL regardless of the balance. Last month, XX/XX/2021, I checked my credit card balance on both XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the date my balance is due each month, my online Discover account showed I owed {$1900.00}, so I processed a payment. My closing date is on the XXXX of each month, so on XX/XX/XXXX, before XXXX, I checked my account one last time and it showed I I now had a balance of {$700.00}, so I processed the payment early in the day before the cut off time via the " current balance '' payment feature. Discover only allows you to pay the balance that's reflected on your account ; you're prohibited from paying more than that or else you'll be left with a credit. The " current balance '' option allows you to pay the full amount Discover states you owe. 

This past week, while reviewing my credit card details on XXXX XXXX, I noticed that Discover had reported to the credit bureau that I had a balance in the amount of {$290.00} in XXXX, which was never reflected on my account prior to my statement closing date. As I said before, I'm very on top of my Discover credit card and student loan payments and have never made so much as a late payment in the nearly 12 years since I first opened my accounts. 

Discover isn't accurately reporting my balance to me/updating my account in a timely fashion. This is the second time that this has happened. If you review my previous conversation with a Discover rep via the chat function a few months back, the rep admitted that Discover reported the wrong balance to the credit bureaus earlier this year -- I believe it was XXXX -- although I had a balance of {$0.00}. She stated I'd have to reach out to the bureaus to have this fixed. 

Furthermore, the payments I made in XXXX XXXX are very specific. You can clearly tell that the {$1900.00} and {$700.00} are the amounts that Discover had listed on my account both days because they're not whole balances. For instance, instead of {$1900.00}, why wouldnt I just put {$1900.00} if these were balances I came up with on my own? Instead of {$700.00}, wouldn't I just process a payment for {$700.00}? It doesn't make sense that I'd come up with two very specific amounts unless they were provided to me by Discover. Furthermore, I'm only allowed to pay the balances Discover provides to me ; they don't allow me to pay over that or else I'll be at a negative balance on my account. The {$290.00} was never listed or else it would've been included in the {$700.00} when I made the payments on the XXXX and XXXX. 

This has caused me a lot of frustration and anger ; Discover 's supervisors are no help. This is the 2nd time within a year that they have made this mistake and affected my credit score. Furthermore, I was charged interest for a balance that wasn't even reflected by the due date or statement closing date, thus, not allowing me to process a payment to cover the {$290.00}. 

I would like this removed from my credit report and the interest to be reimbursed. I will pursue this further if this isn't resolved.
Product: Credit card or prepaid card

Ever since Netspend changed their overdraft protection with the introduction of the All Access card, they are doubling the amount they receive from my direct deposit to their ends at my expense. They are pocketing {$120.00} of my {$250.00} payroll deposit and then profiting an additional {$120.00} in overdraft protection as opposed to me being in receipt of my {$250.00} direct deposit and being afforded overdraft protection of {$100.00} for which I qualify by being a customer who receives at least {$400.00} per month on their card through direct deposit. 

The way this is being done is simply this : I allot {$250.00} to the All Access Card of Netspend each payday. Each payday I only have access to {$120.00} of my {$250.00} direct deposit. When I spoke with representatives and then with their managers on many occasions about this, I am told that someone will call me to correct this. The person that called me told me that this is correct due to the overdraft protection extended of {$100.00} in my case. Realizing that each withdrawal of cash or purchase I make incurs fees upward of {$25.00} each, upon receiving {$120.00} direct deposit per {$250.00} I allot to Netspend for my expenditure each payday via direct deposit each payday of {$250.00}, I resort to withdrawing the full amount ATMs which issue in {$20.00} increments would allow, {$240.00} of my {$250.00} direct deposit immediately upon deposit notification. But I incur {$120.00} in overdraft protection fees in doing so. When my next direct deposit of {$250.00} notification is texted on my phone it reads that {$120.00} is available from recent deposit of {$250.00}. This happens each time I allot {$250.00} to my Netspend account per payday, which equates to a total of {$500.00} in monthly direct deposits I entrust to Netspend for my use at my discretion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been ruining my credit. Along with several others. I have disputed the information with XXXX and XXXX and everything comes back verified even though its not. I didnt open up the accounts so Im trying to get these things off. I have submitted my dispute along with my updated FTC report and XXXX never investigated anything everything is coming back verified the next day. Also XXXX XXXX is reporting false information on my credit report as well. They are listing my loan as a repossession when it was not. My engine completely failed the car was still under factory warranty and the manufacture paid off the loan to XXXX XXXX. My car is also involved in a class action lawsuit and I showed proof of this to XXXX and XXXX but they have never corrected this information and they continue to allow these companies to report false information. I am attaching proof of my identity as well since XXXX said they couldnt process my dispute because I didnt give my id even though I did. Im also going to upload all of my FTC reports as well to show how long Ive been fighting to get my credit report corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my XXXX XXXX : XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : I checked my all XXXX XXXX report and this account is only reporting on my Experian credit report. You also reported this account twice on my credit. All of this a violation in FCRA. Please remove inaccurate account. 


XXXX. Account Name XXXX XXXX XXXX Account Number : XXXX Reason : I checked my all XXXX XXXX report and this account is only reporting on my Experian credit report. You also reported this account twice on my credit. All of this a violation in FCRA. Please remove inaccurate account. 

XXXX. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is marked as paid in full and shows no late payment on XXXX and XXXX. Please provide statements and records of all payments made and missed and update Experian to reflect the correct status. All of this a violation in FCRA. Please remove inaccurate account. 

XXXX. XXXX Bankruptcy XXXX Original filing date : XX/XX/year> Latest status date : XX/XX/year> Reference number : XXXX Reason : I dont live in XXXX XXXX this has to be mixed up with someone elses bankruptcy. It is not reporting on the other XXXX bureaus. 


These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX and on the XXXX of XXXX I transfered in total XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX account nr. XXXX chase bank. It was becourse i bought a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX a an vehicle sale agreement contract. Long way short : there is no car, there is no family XXXX, there is only a XXXX XXXX XXXX who says he is the family attorney. I also calles chase bank. They say solve the fraud transaction with your own bank. My bank says it is your problem, we do nothing. ( this is how it works in my country, no surprise ). 

So the bank account number and name is fake. 
The money is gone to somebody else, i thing XXXX XXXX. 

I have a complete administration about the communication, transfer and all you need to help me out. 

Please help me, I need my XXXX back.
Product: Credit card or prepaid card

Bank of America froze my unemployment. Benefits. No one answers the phone no way to access money
Product: Debt collection

Im writing because I noticed that a collection for XXXX XXXX XXXX XXXX for the amount of {$770.00} appeared on my most recent credit reports as being seriously past due. This is an erroneous account. 

The date of service for this account was XX/XX/2019 and was listed in my daughter 's name. On this date, my daughters and I were in a car accident in which we all received service at XXXX XXXX in XXXX, LA. On this date both of my daughters were adults and should have been billed for their own services. 

XXXX XXXX sent my daughter 's bill in her name and XXXX XXXX XXXX XXXX sent the doctors portion of the bill in my name. I notified them several times that this was incorrect. They refused to resubmit the bill in my daughters name and file the debt with the insurance company. Therefore, two errors were made. The bill was erroneously placed in my name and the bill was never filed with insurance. They stated that they did not have the insurance information which is untrue because it was presented in the emergency room. Furthermore, they filed the insurance for my bill on the same date as you will see in the attachment. The payment for this date of service was already fulfilled for services provided to me from XXXX XXXX XXXX, XXXX. I am not obligated to pay them twice since this is not my bill. 

Because of these errors, I am falsely accused of owing them {$770.00}. Although XXXX XXXX XXXX XXXX placed this bill in my name, I am not the guarantor of this bill and is not responsible for this bill. I did not sign anything in the hospital assuming responsibility of this bill. This is a billing error and should be removed from my credit report which I disputed. I have not been able to resolve this issue and am now seeking your help.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 I have the right to privacy. My privacy rights were violated due to the XXXX XXXX XXXX. My personal information has been compromised. FTC Report Number XXXX
Product: Debt collection

I was informed that since I am receiving XXXX XXXX that my student loans ( all ) will be forgiven. Thank you for your time. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act XXXX XXXX XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 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 loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I opened a new checking account ( restricted use ) along with a credit card from XXXX ( XXXX XXXX XXXX XXXX XXXX ). Since opening this account I have found out just how restrictive these accounts really are for access to them. There are such limitations as to do not the ability to pay my bill or make deposits from an outside bank. I am often visiting my fiance ' in XXXX XXXX, NV. and have found out that I can not make a deposit into a shared branch account with this credit union under these restricted accounts. I can not make any credit card payments either thru the shared branch network.There are no branches of XXXX in XXXX XXXX, NV. at all. 
The week of XXXX XXXX I spoke with a representative of XXXX over the phone and explained my difficulties as I had an upcoming credit card payment I wanted to make but was still in XXXX XXXX. I told the representative I would be back in town in a week or two and I would make the credit card pymt at a branch as instructed. I came to town on Saturday XXXX XXXX and tried making a deposit at the XXXX, CA. branch that evening but the ATM would not accept my deposit and I was forced to wait until Monday. So I went again on Monday and the ATM would not accept my money. A manager came out of the branch at this time an informed me that the ATM System was having trouble operating. I am never late on any payment on any account as it reflects negatively with a drop in credit standing as mines have 82 points.
Product: Debt collection

After sending 2 certified letters requesting the original purchase agreement bearing my signature, I have yet to receive it. A printout with my name on it from any computer is not validation of any debt. The Bureaus Inc. stated that I opened accounts with stores I would never even shop at back in 2016 and still do not shop at today. At XXXX XXXX XXXX, I was not even thinking about credit due to focusing on my studies. As stated previously, I've never owned a credit card! 

Additionally, after looking up the license for the Bureaus Inc. they can not legally collect on anything in the state of New Jersey because they don't have a license to do so. I wish for them to stop harassing me and remove the negative information off of my credit report because I have never had any credit cards!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting

Over the weekend I get notifications from myfico that my report has changed. I logged in and noticed that XXXX and XXXX was removed. About 30 seconds later, XXXX report inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX was also removed. Minutes later these collections and inquiries was added back on with a missed payment from a collection agency, XXXX! On XX/XX/XXXX, I called TransUnion and spoken with a supervisor name, XXXX. I 've asked him do they verify any information before placing it on ones report, because a collection agency should n't been able to place a missed payment on my report which brought my payment history down and affected my score. He became extremely hostile and rude. I immediately asked for his name and the spelling, he spelled his name and slammed the phone down loud!
Product: Credit card or prepaid card

THIS COMPLAINT IS ABOUT USAA 's CONFLICTING FRAUD INVESTIGATIONS BEGUN Attatched XXXX XX/XX/XXXX Adjustment Purchases of USAA XXXX DISPUTES USAA SUBMITTED. ( {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) CONFIRMED BY USAA XX/XX/XXXX AS ** AUTHORIZED TRANSACTIONS USAA POSTED NEW TRANSACTIONS XX/XX/XXXX FOR THESE ** AUTHORIZED TRANSACTIONS TOTAL {$470.00} See attatched XX/XX/XXXX CREDIT CARD ( FRAUD CLAIM DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS I SUBMITTED ) XXXX. OF XX/XX/XXXX {$470.00} ** THESE ARE SAME {$470.00} TRANSACTIONS THAT USAA SUBMITTED XX/XX/XXXX CONFIRMED AUTHORIZED TRANSACTIONS XXXX XX/XX/XXXX. USAA POSTED NEW TRANSACTIONS. I DID NOT PURCHASE. THESE AND SIX MONTHS LATER SAME TRANSACTIONS ARE UNAUTHORIZED. USAA HAS NEVER PROVIDED THESE FRAUD CREDITS FOR XX/XX/XXXX OR XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX RESURGENT/LVNV FUNDING for the amount of {$660.00} and {$1100.00} has violated my consumer rights according 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 accounts without my written instructions. 15 USC 1666b ( a ) a creditor may not treat payment credit card account an open end consumer credit plan as late for any procedure. 1 5USC 1681 ( a ) 2 I didn't give written permission to have this account furnished on my report. 15 USC 1681 ( 2 ) ( a ) ( i ) consumer reports. 5 U.S. Code 16812 - Responsibilities of furnishers of information to consumer reporting agencies. 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 Please deleted all this wrong negative accounts off my credit report immediately. USC 1692 g validation of debts. FCRA Section 605B. ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. USC 6801 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. and USC 6802 ( 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. RESURGENT/LVNV FUNDING has failed my consumer rights and my negative account must be taken off my credit report immdeiately.
Product: Student loan

I called to check on the refund due back to me from Mohela. I spoke to a rep that stated they sent 3 checks back in XXXX directly to my bank. I advised them that I see no payments and I called my bank and they also verified no payments recieved. I asked who next should I talk to since those payments would be close to 60 days. I was advised they have no idea and i can call the department of education. I do so and was hung up on 2 twice. I finally got someone that told me I need to talk to Mohela. This is definately not what I could do if I owed them money. The refund is over XXXX. The 3 checks the rep quoted added up to {$530.00}. i need answers about my refund please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 7 inquiries that are not mines. I called the credit bureau and creditor they said it on me. Theres nothing they can do I told them it was fraud. Said give me proof. They said they couldn't it must stay on for 2 years. I need to protect my identity. 
XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, XXXX XXXX ( BY ) -MAIL
Product: Bank account or service

M and T Bank- charged up to 3 times for insufficient funds for 1 description and anytime they feel like it, they manipulate your account so you will be charged added fees. money can be in my account and I will be pending for more than 3 days before they deduct my money.
Product: Credit card or prepaid card

I reported my card lost on XX/XX/17 and Chase Ink said they would close the account and send me a new one. However, they did not block charges on the old account, but continued to accept charges on the new account. I disputed the charges posted after I reported the card lost. The charges posted to the new account should never have been reported as fraud. They should have been blocked. 

No one should be responsible for paying charges after a card is reported as lost, and merchants who try to post charges to a card that has been reported as lost should not be charged with fraud. This company 's customer service department says that it can not do anything except report fraud. This leaves both the credit card holder and the companies with which she or he does business at risk.
Product: Mortgage

I want to file a complaint to report how paying off my mortgage with XXXX has damaged my credit report. I had two offers of payment rejected. The first was an offer of total payment of {$14000.00} in two checks ( 1 ) was check # XXXX for {$12000.00} & ck # XXXX for {$1500.00}. dated XX/XX/XXXX.This offer was rejected by Green Tree XXXX 
A second payment was tendered to Green Tree cashiers check dated XX/XX/XXXX in amount of {$17000.00}. Was mailed return receipt. This offer was rejected. Attorney XXXX of XXXX., XXXX FL XXXX handled negotiations and is holding the check. It has been since XX/XX/XXXX and this lingers on my credit report. I have copies of check if you need confirmation. 3 years later I pay my taxes and insurance while my loan continues to be sold to different mortgage companys constantly selling the loan. XXXX sold to Green Tree who sold to DiTech and etc. 
This damage to my credit after paying loan off continues to linger on my credit and needs resolved so I file this complaint.