23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021, I received an alert, a text message on my phone stating that there was a fraud alert and the message asked me to confirm if I had authorized {$80.00} from the XXXX ATM located at XXXX HA. I immediately responded to the alert, NO, then the next message stated my card was blocked. I called in, the representative just said they needed to block or freeze my account. At this point, online showed XXXX transactions had went through, same atm, for a total of {$400.00}. One transaction for {$200.00}, and two transactions for {$100.00} each. I filed dispute, sent back information and assumed this would be resolved. My dispute was denied and now I am waiting on snail mail to come to tell me what documents were used in the denial. I had my card in my possession and physically was located in my house online working in college admissions. My car is in the shop and I have not given my debit card out and would not have done XXXX transactions to incur a fee when I know my withdrawal limit is more than {$200.00} per transaction. My card is an Uber XXXX from XXXX Bank. I remember getting an alert from Uber that someone had logged into my account but at the time I did not investigate. I went to the location where the XXXX ATM was used. It is in a XXXX that I have never been in until last week when I went to see if I can get the loss prevention to pull the atm or their camera on XXXX at XXXX to help in this investigation. I am not sure how someone could get into my debit account without my atm unless the machine or they used some type of cardless option or the bank has mistakenly in error pulled funds from my account that were supposed to be pulled from someone elses account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( Equifax, XXXX, XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date openedXX/XX/XXXXXXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX date openedXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX date opened XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date openedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXXXXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date openedXX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  date opened XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date openedXX/XX/XXXX XXXX
Product: Credit card

{$30.00} interest fee. 

I paid {$600.00} on XXXX with a rep and then I went online XX/XX/year> to pay off my balance. There is an option to pay bill amount, pay account balance, minimum or other. I chose to pay account balance. My ACCOUNT balance was {$660.00}, so I paid that. I wanted a {$0.00} balance to pay off my debt. Today I went online and all of a sudden I have an interest charge of {$30.00}. I called to dispute it because it was not on my account yesterday and yesterday I paid off my balance. Had I been told I had more charges or if it was explained to me either while I was making the payment or by the rep, I wouldn't be this upset. This is not right. If I chose the option to pay my account balance, then my account balance should have been paid, not additional charges the next day.
Product: Vehicle loan or lease

On XXXX Bridgecrest sent me an email acknowledging Thank you for the one-time recent payment made on XXXX  : Thanks for your recent payment! 

XXXX, Thank you for your one-time payment made on XXXX 

Payment amount withdrawn : $ XXXX Account number : XXXX After being unsatisfied with how Bridgecrest resolved my request to have my one payment I missed during the Hurricane removed, I switched loan creditors. My new creditor, issued Bridgecrest a check for {$12000.00}, which they clearly received and cashed. However, Bridgecrest is still reporting to the credit bureaus that I have an open balance with them, even though my new loan company has paid them. Bridgecrest also certified by law, that the information they reported to XXXX is accurate as of XXXX The XXXX investigation started on XXXX  so Bridgecrest knowingly and intentionally, provided false information to a credit bureau even after they were paid and know I dont have any remaining balance with them. They have done this with other credit agencies and there seems to be a pattern here. I want my credit accounts updated accurately to reflex my accounts with them are paid. They need to be held accountable for these illegal and fraudulent practices. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX nd time submitting a dispute to the company. Each time they keep sending me a letter saying they are not going to investigate. This is extremely inappropriate as I am trying to get my credit report to report accurately.
Product: Checking or savings account

On X/XX/17 I checked my checking account and saw that there was an automatic draft from Affiliated Acceptance Corporation. This is the company that handles the payments for my son 's XXXX XXXX. I first emailed the AAC the same night, then called them the next day to speak with customer service. I explained that I have been paying monthly for over a year, and have never authorized an automatic draft in that time. They explained to me that back in XXXX of this year, I updated my card information ( which is how I have traditionally paid the bill, with a card number that was stored on their site, but that card was lost ) that I did not take my card information back out of the system, which authorized future automatic payments. Because I paid the bill ahead of schedule the following month, I never knew about the draft until this month, when I was late. I eventually spoke with a supervisor named XXXX, who was exceptionally rude, and was told that the payment would not be reversed, and that Affiliated had " no control over what you did or did n't do on the website ''. AAC then contacted the dojo the same day ( X/XX/17 ) and was told by the owner to reverse the payment and return the money. An AAC agent named XXXX called back to verify that I was not doing a stop payment through my bank, and that she would reverse the draft. I called back that evening and was transferred to XXXX, and clarified at that time that a stop payment had not been done. XXXX then confirmed that she had taken care of the issue and that the payment should be returned to my bank within 1-2 business days, but no later than Monday, X/XX/17.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equfax is allowing a company to incorrectly report data on y credit report. I have submitted a letter to them from the collection company dated XX/XX/2021 that say I only owe {$350.00}. Yet despite having a copy of this letter they are still allowing the company to report that as of XX/XX/XXXX I owe a balance of {$440.00}. and have made no payments. I filed a dispute and the information was not corrected. I faxed and mailed a copy of the letter to Equfax. I also attached a copy of the letter to my dispute form. Despite all of this they are still allowing the company to report incorrect information. See attachments.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Chapters
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

On XX/XX/18 I initiated an online application to One Main Financial. Which was approved online without any collateral. With an XXXX credit score. For and amount of XXXX. Keep getting an esign error. Got a call from the office in XXXX. To come in to sign the paperwork. Once at the office they see I have a vehicle that's almost paid off from my credit report, now the only way they can close the loan is to use the truck as collateral. Which was almost paid off and at a lower interest rate. This is a classic Bait and Switch and Predatory Lending.
Product: Checking or savings account

Wells Fargo customer for over 20 years. My account has experienced all the issues, with the exception of mortgage account, that Wells Fargo is being fined for. I have emailed WF regarding status of the settlement and that they did not communicate effectively for past settlement action that I would of been a part of. I emailed XXXX XX/XX/2023 and XX/XX/2023 and they stated the deadline has passed for fraudulent account issue. They requested my mailing addresses as I discovered their notifications in my spam folder. No response. I called the number offered on the website regarding the newest lawsuit and reported my concerns as they failed to contact me in writing for the last settlement action. 
Now they are stating that customers who were affected by the current lawsuit have already been paid. I have not received any notifications, again. The following is what I have endured over the years- I had my account frozen for a week and then had to open a new account years ago. They also applied debits to my checking account prior to the deposits. I have paid several overdraft fees and banking fees. I have also financed 2 vehicles through Wells Fargo Financial Services and believe that they added the extra insurance but did not issue a refund after both vehicles were paid off. They also affected my credit for stating payments late due to debit prior to deposits when I paid on my auto loan account
Product: Credit reporting, credit repair services, or other personal consumer reports

showing on my experian credit score, As length of time ( or unknown time ) since account delinquent, this information has been in my account since 2000 and not sure why credit report would remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$73.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX
Product: Debt collection

Wells Fargo completely drained my personal savings account and applied it to a business debt on a business that was closed due to the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I disputed a collection account on my Transunion credit report by XXXX XXXX for a XXXX bill that i do not owe. Transunion investigated this and removed it from my report. When I checked my credit score today it had fallen 34 points because a different collection company bought the XXXX account. The name of this company is XXXX XXXX. I have written this company and showed proof of cancelling this account and still they are reporting this. Also, three accounts were removed because they were over seven years old and included in a bankruptcy. This further dropped my score 17 points. When an account is removed from your credit report, doesn't your credit score rise? What will happen in XXXX when my bankruptcy is removed? Will my credit score fall again? This is ridiculous!!! All credit bureaus should be one and all information is reported, not just picking and choosing which company to report to. Judging a person 's life by a number is moronic and unfair for those honest people who don't have the financial stability of others who aren't so honest. I think we should give a number to someone's character and integrity. This would put a lot of people who have high credit scores in the lower range and those with lower credit scores in the high range. Perhaps we could all judge the credit bureaus and give them a score. I would give them a 300. ALL OF THEM! That's being generous. So, if I am to be someone in life and be judged by a number, at least be honest about it Transunion, XXXX  and XXXX. These clowns need to be shut down. They are destroying people.
Product: Debt collection

I reviewed my credit report and noticed XXXX XXXX XXXX placed and account as an collection account, which does not belong to me. 

On XX/XX/XXXX & XX/XX/XXXX, I emailed XXXX XXXX and informed them of the frivilous account that has been reported to the credit reporting agencies. I requested deletion of the account effective immediately, which they have ignored. Since, I've placed a fraud alert to my credit file. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Equifax Data Breach On XXXX XXXX I called Equifax about their Data Breach. They told be to go to the site www.equifaxsecurity2017.com to find out if my information was compromised. It was. I tried calling back Equifax today, XXXX XXXX and can not get through to them, since the information showed my credit information was compromised. I need help to find out what to do to make sure my information is not being stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to the credit bureaus because of some incorrect items on my credit report.
Product: Debt collection

Have been robocalled by XXXX XXXX. they keep calling and don't leave a message. I called them back once and he said he was a debt collector but wouldn't give me any info untill I gave him some personal info which I refused. 
The is a small phone bill I think from XXXX XXXX.After 20 mos of good service they worked on the tower I use and my service stopped. afyer 2 trips to the local office and XXXX long conference calls XXXX XXXX couldn't resolve my problem and I told them " no service-no pay '' and switched to XXXX with no trouble.
Product: Debt collection

I made a payment agreement around XXXX 2014 with Allied Interstate about a non-federal private student loan that I am in default. Last month due to hardship I requested a month off payments. After that period they started attempting to call me. I requested not to be called since they always interrupt me while working. They debited my bank account already, thus resuming payments, yet they continue to call non-stop demanding to give me an update. Now they are harassing my domestic partner by phone XXXX XXXX asking her personal questions about our relationship. They have no reason to call since payments are being currently made. I do not wish to talk to them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was given a giftcard ( XXXX ) before I could open it ( XX/XX/XXXX I opened it ) the funds were used by someone in a different state. After 4 hours I finally got someone that filed a dispute for me on card ID # XXXX which they concluded was an error and stated they were refunding me the missing amount on {$99.00} ( {$1.00} was left on the card ). Dispute claim # XXXX. The card was canceled when I originally filed the dispute. It was not refunded back to that card, I haven't received a new card and I spent 3 hours on with customer service whom said they couldn't help me because they couldn't verify the original card #, the dispute claim number or the card id #. They have {$100.00} of my money that they need to make available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a verification letters of some medical bills on XX/XX/2021 ( it's been over 90days ) and i did not get a response from Equifax, XXXX or XXXX. Also i sent another letter XX/XX/2021 ( it's been over 30 days ) to request a reply and i am being ignored again and again. I have not received any communication regarding this debt from these company, or a courtesy of replying to my letters and it is very frustrating. 
Section 611 ( a ) clearly states that failure to investigate these items within 30 days results in an automatic deletion from my credit report. 
Their negligence has caused me distress and is hampering my ability to obtain a house.
Product: Credit card or prepaid card

I XXXX XXXX and XXXX XXXX went to BB & T XX/XX/XXXX to close our over draft account that was left open I noticed when we got something in the mail from them. I called they said you need to go into the branch and close so I did. When I got there they handed me a statment and I said what is that for? She said it's a credit card. I said we don't have a bbt or sun trust. We closed all our accounts. She looked into more and she said this is old. I said we did bankruptcy  back XXXX but that's all discharged. The statement she printed shows close date XX/XX/XXXX balance {$7100.00} total due on XX/XX/XXXX if this is old and from bankruptcy that has been discharged I dont understand the statement she gave us. We waited on hold with her for main office for over hr she said she would call us later that day. I called last night bbt said I needed to call SunTrust. So I did with the number they provided XXXX XXXX XXXX. They first said this is ATM # then transfers us XXXX was on speaker phone with me. Next lady  says old dept and our over draft account was still open. We called again in morning ran circles with the whole thing again at the end she say this never comes off your records.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX and XX/XX/2022 and 60 days late in XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit card or prepaid card

I have been fighting with Chase Bank about some charges that were made with my physical credit card that are fraudulent for 6 months and they have denied my right to remove the charges three times. There are 13 charges totaling {$810.00} over an XXXX  day period ( XXXX XX/XX/21 ). I have spent countless hours on the phone with so many XXXX and XXXX in their fraud department without being able to speak with anyone who actually makes the decisions to accept or deny fraud charges. Both my XXXX and I have a card under the same account with credit card numbers. I didnt realize that my card was lost over this 8 day period and my XXXX  card was being used legitimately. When I saw these fraudulent charges, I immediately reported them to Chase. I figured it must have been lost at my neighborhood XXXX while I took in the card to change the card I had on file. Chase contends that there cant be legitimate charges during the same time as fraudulent charges. But it can when all of the fraud charges are from the same card while all of the legitimate charges are from a different card. Everytime the person ate out, they added a tip bringing the amount to a number with no cent like {$180.00}, {$50.00}, {$65.00}, etc. I never do that! I went through all of the time stamps on the 13 fraudulent charges. One of the restaurant charges was time stamped at XXXX am on XX/XX/21 for {$100.00}. I have never eaten out anywhere at XXXX on a Wednesday night for all the years Ive had the credit card. Id be home asleep with my XXXX  and XXXX kids. Many of the charges are near XXXXXXXX TX which is not a city I ever frequent.
Product: Credit card

I responded to an offer to upgrade my credit card and receive XXXX for XXXX airfare. I needed to call in a registration code and charge {$3500.00} by a certain date. I did, and a month later, verified. I was told to wait another 45 days to receive airfare certificate. I never received certificate and have called numerous times, being passed from dept to dept. Apparently, there is a communication gap between Bank of America and Visa, the XXXX companies involved. XXXX have told me the other is responsible for the reward certificate. Finally, after many unhelpful clerks, XXXX XXXX in XXXX, spent XXXX minutes making XXXX way calls to dept after dept with no success. I would have charged the required amount on a trusted card that has actually rewarded me. I responded to this offer a year ago, and Bank of America has had a security breach during the year, so my credit card number was cancelled and I was issued a new number, but it 's the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit and happened to see a major error on my credit report. I 've sent in 3 certified letters to all   XXXX   credit bureaus. Incorrect inaccurate, errored information that these credit bureaus are reporting. I 've asked the companies to show me verification of any documents or verify my signature and they have failed to do so several times and they continue to verify an account that has nothing to do with me.