23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was charged XXXX dollars for an out of state transaction on cashapp. After providing ample proof that I was not responsible for this my account was closed and made inaccessible by cash app. In other words I was removed from the platform.
Product: Checking or savings account

I logged onto my XXXX account since it had been taken over from MB Financial via a merger and I was surprised to see at total of {$39.00} deducted as a monthly fee of {$3.00} over the past 13 months. I am surprised because my original agreement with MB Financial for this XXXX included a guarantee of no monthly service fees ( that is, it was a free account ). 5/3 bank never informed me that they were going to charge this fee, nor did then even send me monthly statements showing that they were taking this fee from my account. This is suppose to be money set aside for health care or a medical emergency, and 5/3 is slowly depleting it without my consent. I would like this fee refunded. I do not believe it is acceptable practice for a bank to start charging fees on an previously free account without obtaining informed consent.
Product: Credit card

I applied for an extension of credit at a Navy Federal branch in good faith and was unlawfully denied, as adverse action against a consumer is against the law.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I looked at my report. I sent a letter to XXXX on XX/XX/XXXX asking them to reinvestiagate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case Sent from my XXXX
Product: Credit card or prepaid card

XXXX Credit Card from Barclay have changed all there benefits after people signed up. These changes are not a simple tweak but seem more like a tactic to issue cards with wonderful benefits then change all the best benefits shortly after they have enough people signed up. 

Is it legal to offer 4 % cash back on meals, then with 30 days notice change it? 
Can you offer {$50.00} annual bonus to people then decide not to offer it anymore? 
And many many more changes. 

If this is the way were being offered services then change a few months ( a few weeks for some people ) after we sign up, then we need to change the law. 

XXXX/Barclays Credit card changes : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX XX/XX/2020 i tried filing an online dispute with multiple items. Each time I attempted to submit the dispute the system timed out with an error code of " temporary system error. '' I thought this might be due to batch processing during early morning hours. Around XXXX hours on XXXX XX/XX/2020 I proceeded to do the same thing and encountered the same error. It was only AFTER limiting the amount of items to two ( 2 ) items that TransUnion 's system successfully processed the dispute. However, attempts to submit additional disputes online is barred until the investigation for the currently disputed items has finished. What this means is that TransUnion is limiting the amount of the disputes any individual is allowed to dispute within any thirty ( 30 ) day period. Given the nature of the current pandemic the turnaround time for processing and resolving a dispute is in excess of the thirty ( 30 ) day time-frame. TransUnion is attempting to regulate, and minimize my right of notice and opportunity to be heard and are effectively abridging my rights of due process granted to me by the FCRA. The harm is that additional items that may need to be disputed remain unresolved and in my credit file, lowering my credit score and adversely affecting my ability to secure lines of credit at a time when many individuals are experiencing financial strain.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  - account reports last payment as both XX/XX/year> and XX/XX/year>. Inaccurate payment dates ( do not match ) on XXXX, it reports as on time payments, but shows as 120+ days late. Inaccurate reporting. Requested to be fixed but only gets updated.
Product: Debt collection

I received debt collection notice from alleged company " Professional Account Management LLC '' dated XX/XX/XXXX for an amount of {$79.00} claiming [ they ] have been retained by the New York XXXX XXXX XXXX 
In the notice was listed my NYS License plate number with toll plaza numbers from a trip I took in XX/XX/XXXX. 
Knowing I did not have an outstanding balance on these tolls, I confirmed this by contacting the XXXX XXXX XXXX and also their collections department. I was assured that I have no account balances related to my plate number, and that no accounts were sent to collections on record. I was also told that XXXX XXXX does not retain the company " Professional Account Management '' for any of their debt collections purposes. 
I also confirmed with my checking account statements, the XXXX payments made by me directly to the XXXX XXXX XXXX in XXXX which satisfied my outstanding balance of my toll violations for this trip in XX/XX/XXXX. 
Upon searching for this company 's website I discovered that my debt collection notice lists a completely different website, phone number, and address than the apparent legitimate company by the same name, which is also debt collection company. No queries of my license plate numbers to the latter produced any record of accounts. 
When I called the number on my notice to directly confront a representative I was given no resolution but only a demand for more of my personal information, and was told that the information she was able to access from her system indeed showed that this is my debt and was opened by XXXX. The representative refused to give me her full name. She refused to provide an address for the company other than the XXXX XXXX XXXX listed in the notice ( XXXX XXXX XXXX XXXX, WI XXXX ). 
She refused to speak jointly with the XXXX XXXX when I offered as a way to mediate the conflict. 
I believe this is a debt collection scam fraudulently using my name and information as a way to extort money from me and I fear the repercussions to my credit as retaliation non payment of a debt I do not owe. 
I have proof of payment for alleged debt and confirmation from the XXXX that they do not retain this XXXXbased company for outstanding collection services
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my report regarding the account XXXX from capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I believe that I have been targeted by debt collection scam by a firm named XXXX purporting to be a law firm and threatening suit on a stale account in addition to not identifying themselves as a debt collector. Today I received a voicemail from their computerized pre-recorded auto-dialer that stated the following message : " This message is intended for [ my name ], we have been instructed to obtain a statement from [ my name ] prior to filing in your jurisdiction you can provide your statement directly to XXXX. '' I later called the number and the call was answered as " XXXX '' by someone identifying themselves as XXXX who reluctantly said was a receptionist after extended questioning. I asked her why they called and she said that it was regarding a debt I owed. I asked where they were based out of and she said they are out of New York. I asked her if they were a debt collector and she said that they were not a debt collector, but a " pre-litigation '' ( her words ) company. I asked what that was and if this was a law firm, she stated again that they are a pre-litigation company and work with a group of attorneys. At no time did she explicitly state that the call was for debt collection purposes, despite stating the call was regarding a debt I owed. She confirmed my name and the county my address is in. 

She said that she would transfer my call to the paralegal handling my case after verifying my information which I gave to her. She transferred me to someone identifying themselves as XXXX who said that they were calling on behalf of XXXX XXXX XXXX who I failed to repay a debt to. I told her I do not recall having any current XXXX XXXX XXXX debts and she said that I opened the account in XXXX and stopped paying it in XXXX. I asked her if she was threatening me with a lawsuit on a time barred debt and she stated that it was illegal not pay them back. I told her failing to pay debts was not illegal and asked again if they were trying to sue me on a debt outside of the statute of limitations. She became very loud, abusive and insulting, which made me angry and I yelled back and she hung up on me. 

I called back the original number and spoke with the same person that answered the original call, I asked for her name and she said it was XXXX XXXX and I asked for my representative 's name and she said that it was XXXX XXXX. I XXXX the name XXXX and found out that the company was currently being sued by the FTC and has a history of similar actions in addition to no longer being licensed in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly late for XX/XX/XXXX on the XXXX   XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle is paid off and the XX/XX/XXXX late that is being reported is false. I was even told I would be charged a late fee. Please keep in mind it would be impossible to be late and/or be charged a late fee on an account that is paid off. I called and the representative that I spoke with admitted that this was their mistake and that the late fee would be waived and the late reporting on my credit report for XX/XX/XXXX would be removed. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this late of XX/XX/XXXX however, I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXt Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX has 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Specialized Loan Servicing took over my HELOC as a servicing company. They did not give me the option to pay my monthly HELOC payments online or over the phone. They instructed me that the only way for them to accept my payments is via check by snail-mail or through third-parties such as XXXX XXXX or XXXX XXXX Sending them a check always causes a delay and I've incurred late fees because of that. XXXX of the biggest issues I've had is using third-parties XXXX XXXX and XXXX due to the fees that I have to pay just to make the payments. There were also circumstances where XXXX XXXX rejected my payment and I would have to go back into XXXX of the stores to resolve that matter. 

After calling XXXX many times, I kept getting the run-around on what I can do to better solve my situation. I've gotten tired of incurring late fees and having negative impact on my credit due to the consistently late payments. Little did I know that XXXX was being bought out by XXXX Mortgage. Whether this was related or not I can not say but after XXXX took over, I was able to make online payments again with no issues.
Product: Checking or savings account

On XX/XX/2018, I tried to reopen my account at Bank of America due to my previous account with Bank of America paid in full account number XXXX. Representative XXXX of Bank of America deny me a new account without adverse notice.
Product: Credit card

On XX/XX/year>, I purchased a Gift card for the amount of {$200.00} with Kohls at :XXXX XXXX XXXX XXXX XXXX ca XXXX. It was paid with my Kohls store credit card.A month later when the person i gifted the card was going to use it she was told at the register that the card had a {$0.00} balance. The assistant manager named XXXX XXXX at store Kohls in XXXX XXXX XXXX, was really helpful and went to his computer to see what he could find out, he verified that the Gift card wasnt used as a payment method before and he confirmed that the payment ln the gift card was completed. I called the number on the back of the gift card, the customer rep told me that he could see that the card had a {$200.00} balance and was ready to be used, I passed the phone to the assistant manager and again he explained the customer service rep that he couldnt use it as a payment method because it didnt reflect any money, after a while the customer rep told me to wait a day and go to the actual store where I bought from and see if they could help out. The next day I went to the original store where I bought it and the manager told us that she couldnt do anything that the money had already been refunded back to my card, I told her that wasnt the case but she dismissed me saying I needed to call customer service and she wouldnt help us. The next day I called customer service and the rep told me that the gift card was canceled on XX/XX/XXXX and that she didnt know why that I had to call corporate refunds for that. The number provided for corporate refunds was : XXXX. I called and there was q message saying that there was q high volume calls to leave my phone number for them to call me back. I called a total of 14 times that number and the never called me back, i decided to wait in line the last time I called, I was on hold for 2 hours and 25 minute ( which I took a screenshot ) and NO ONE ANSWERED. I sent messages thru the message system on my kohlscard website and was told to call the credit card number I called the credit card they told me to go to the store where I bought from for a refund. I went to the store and the manager will not issue me a refund she says to call the customer service number. No one can help me with this matter, Ive been a loyal customer for more than 10 years and never had I ever thought that giving a Kohls Gift card would turn into such a nightmare and waste of time where no one at their company can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent a letter regarding inaccurate and unknown things on my credit report.To this day 30 days later i have not received a response yet.I feel like im being taken advantage of and being ignored of my disputes.Section 611 ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me my information was also impacted by the equifax data breach and may have got into the wrong person
Product: Mortgage

On XX/XX/2021 I received an email from Fifth Third Bank stating " We're reaching out to let you know that your account ending in xxxxx requires prompt attention. '' I called and was told Fifth Third wanted to provide a " friendly reminder '' that my mortgage payment had not yet been received. I asked whether I was in default, which the representative denied. I was also informed I had until the XXXX of the month to pay without any late charges being assessed. I requested that Fifth Third refrain from providing such reminders in the future. 
On XX/XX/2021 I received a phone call from XXXX from someone claiming to be from Fifth Third who asked for personal information to verify the identity of the call recipient. I informed the caller I was at work, and declined to provide the requested information since I could not verify the true identity of the caller. 
While at work on XXXX XXXX I again received a missed call from the same number. 
Then again, while at work on XX/XX/2021 I received a call from the same number, again requesting personal information to verify my identity. I again declined to provide the information. The individual informed me they had urgent information about my Fifth Third account and that I needed to call the company immediately. 
I returned the call about 30 minutes later and asked the representative to record the call and provide me a transcript. I asked why I was being repeatedly contacted by Fifth Third while at work. I was informed the Collections Department was providing " friendly reminders '' about my mortgage account, although it was not in default. I asked why I was continuing to receive these calls when I had specifically requested not to be contacted with reminders. The representative was unable to provide a reason and offered to refer me to the Collections Department. After a lengthy hold, she informed me she would again process the request not to be contacted. She also refused to provide a transcript or recording of the call, stating those are available for internal use only. 
I would like Fifth Third Bank immediately stop the predatory and deceptive practices of unnecessarily contacting me, creating alarm about the status of my mortgage, and threatening me with action about my account because I refuse to provide them personal information any time they choose and in any manner they deem appropriate.
Product: Credit reporting or other personal consumer reports

I have a XXXX balance with the hospitals yet I have XXXX collections from the same hospital on all three reports. I have sent a screenshot of the XXXX balance with the hospital. The one I don't even recognize as I had never been to that hospital out in XXXX XXXX. They total about 2000 dollars. I have XXXX XXXX which should cover all medical expenses but they refuse to ask the state for what is owed. Now I'm stuck not being able to get housing because of my poor credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shared my personal data and info allowing identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did not remove an account from my report after the XXXX sent information about an investigation on the account and deemed it to NOT BELONGING TO ME. I have a letter from the furnished stating that they have investigated and found that the account did not belong to me. This letter is from XXXX XXXX XXXX  and is on letterhead. 

I have attached the letter and the credit bureau needs to completely remove the account from my credit profile immediately and send me a full report and confirmation of this deletion from my profile. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CORRECTION TO PRIOR COMPLAINT. 

On XX/XX/XXXX I mailed a 3rd dispute to Experian that had supporting documentation proving the collections that they inaccurately and illegally placed on my credit report were unverified and not valid. On XX/XX/XXXX, using tracking with this USPS, my documents and dispute were delivered to Experian. After realizing that my disputes were not being processed ( didnt get a notification from through their app, which I always do XXXX, I called on XX/XX/XXXX to verify if they received the documents. I spoke to a Representative whose name is XXXX, he stated that Experian received the documents on XX/XX/XXXX but they are not being processed. I asked why werent they being processed and he could not give me an answer. I then asked to speak with a supervisor. The next person I spoke with, assuming it was supervisor because XXXX placed me hold after I requested to speak with one, also stated that my dispute and attached documents were received on XX/XX/XXXX but were not being processed. He then stated that Experian has 3-5 business days to process disputes. I mentioned that the 5th business day would have been XX/XX/XXXX and asked why wasnt my dispute being processed. He then told me that was in their mail processing department. I asked when would my disputes be processed and he stated he has no control mail processing. Now, on XX/XX/XXXX, I called Experian again, this time speaking with a representative named XXXX about my disputes. XXXX then put my on hold to check the status of the disputes. She then arrived back to the phone and stated that Experian does not have the dispute. I then told her about my conversations yesterday with other representatives to which she stated I dont understand why they would tell you that because we have not received any documentation from you. I then asked if those representatives ( the rep and the supervisor ) were giving me the runaround then which she stated yes. XXXX then confirmed that Experian never had my 3rd dispute and that the previous representatives I spoke with LIED to me. I know my dispute was delivered because I have tracking. Also, I know Experian records all conversations so my complaint will be validated. Experian is refusing to investigate my dispute.