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

On XX/XX/XXXX, I accesses the Barclays website because my card was declined for a past due balance. I completely forgot to add the auto payment when I received my card. That one was on me. So I went online and added my bank info, made a payment, set up paperless billing and set up recurring payments. I thought my account was ready to go just like all my other accounts. I have a perfect credit report and I do not carry balances on my credit cards.

Fast forward 2 months to today ( XX/XX/XXXX ) and I tried to make another purchase on the card and I was told that it is declined. I call the bank and I am told that I have a large balance that is past due ( it was due XX/XX/XXXX ). I tell them there must be a mistake because I set up auto payments. They tell me I did not. I think there is a bank website error. 

The Escalation manager is unwilling to help me even though I told him that I am planning to pay the entire balance on the card today. He said that he can not provide a late fee waiver because one was  provided previously unless it was a bank error. I told him that I think it was a bank error, but he is unwilling to help me and unfairly accuses me of not setting up my account properly even though he can clearly see that I had accessed the site in XXXX and had performed all the actions stated above. 

I have had nothing but problems with this Bank from the day I signed up for this rewards credit card and it has been the worst customer service experience that I have ever had. I work for a very reputable bank and we would NEVER treat our customers this way.
Product: Credit card or prepaid card

I applied for an IKEA credit card ( with comenity capital bank ). But I never received the card. Obviously, someone stole this card, open the card and made purchases for XXXX without my authorization. 
I tried connect with the bank 5 times. Still not get this resolved. I want to dispute the charge and recover my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/year> I submitted a dispute request to TransUnion. The dispute was for the account with XXXX XXXX XXXX XXXXXXXX, an account that is paid in full and closed. In my dispute with TransUnion, I uploaded proof of payment. 
On XXXX XX/XX/year> I received an email from TransUnion saying that my dispute was complete and that I could view the results online. When I logged into my account with TransUnion the results were not available and I was not able to view any active disputes as that section of the website alternated between showing a loading screen or saying it was fully unavailable. 
After I logged in and could not find the details of my dispute, I contacted TransUnion via phone. I called XXXX times and gave my name and phone number at the beginning of the call, as the request of the agent, in the case we were disconnect, I was told I would receive a call back. XXXX times I was disconnected and never received a call back. 
On my third and final call, an agent informed me that there was an error with the proof of payment I uploaded through their portal. I was never informed of this issue until the call with agent. The call was then disconnected. I did not receive a call back. 

I have paid this account in full. The same dispute has been filed and settled without any issue with the XXXX other credit bureaus within minutes. I feel TransUnion is giving me no recourse to correct a false claim on my credit report and is actively avoiding my calls and requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights, original creditor was XXXX XXXX XXXX XXXX 
I am not liable for this debt with XXXX XXXX XXXX Account # XXXX The Account was previously charged off. The Account originated on XX/XX/XXXX with XXXXXXXX XXXX The last payment in the amount of {$67.00} was received on XX/XX/XXXX. The Account charged off on XX/XX/XXXX with a balance of $ XXXXHas 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. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Checking or savings account

I was supposed to receive my direct deposit to my Capital One 360 Checking Account on Wednesday XX/XX/year> for my paycheck from my employer in the amount of {$2200.00}. This paycheck has still not been deposited in my account, and it is Friday XX/XX/year> at XXXXXXXX XXXX CST. I have contacted Capital One and all I've received is a vague answer regarding a Third-Party technical issue. Capital One stated that the issues should be resolved by early morning today XX/XX/year> and I still have not received my direct deposit. They have also not disbursed any additional communication. Payroll was run effectively by my employer, and this is specific to Capital One.
Product: Debt collection

On XX/XX/XXXX, I checked my credit score monitoring service online. I noticed a red star, which means I had a recent alert. It was a collection, filed by National Credit Systems , Inc., XXXX XXXX XXXX, XXXX, GA XXXX. I was informed by XXXX XXXX at National Credit that the collection was for an apartment rental at XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I have NEVER live in XXXX at XXXX XXXX. I live at XXXX XXXX XXXX, XXXX XXXX since XXXX. XXXX sent me a form to fill out and return to National Credit Systems. I file a police report with the XXXX XXXX Police Department. That police report number is included on the form sent back to National Credit Systems. I visited the XXXX at XXXX XXXX apartments and attempted to get copies of documentation showing the use of my social security number and/or birth date. The manager refused my request, The manage informed me that the collection agency had all the documentation and would send it to me upon request. I requested the lease and rental application. National Credit Systems sent the lease but refused the rental application. My social security number nor my birth date are displayed on the lease. Also, the signature on the lease is not mine. The signature is XXXX XXXX XXXX. I am XXXX XXXX XXXX, XXXX. The collection agency has refused to investigate any of my claims. XXXX, XXXX Police Department has not returned any of my phone calls. I'm stuck with a {$4200.00} collection account on my credit report. I am a businessman. I have business lines of credit that will be impacted by this mistake.
Product: Credit card or prepaid card

In XX/XX/2020 Comenity closed a zales account of mine based on a fictional claim that my credit use was deemed high risk. I use 3 % of avaliable credit. They did not notify me, I found out only because I applied for a credit card they issue for XX/XX/XXXX. My application was denied due to " a negative note on my account ''. I have had a flawless payment history for 6 years and maintain a low 3 %. They refuse to give a valid reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried disputing with credit bureaus and contacting the companies for more information into the inquiries. Here were unauthorized inquiries on the following dates XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Payday loan, title loan, or personal loan

On XX/XX/2022 at XXXX XXXXXXXX XXXX I was offered a loan and promissory note. I read I did notice the part about my guarantor. However I said nothing about guarantor signing a separate promissory note. To me this appears as though this lender is attempting to receive 2 ( two ) signed financial instruments as of it were two separate loans on one side and one loan out here in the public. I wasn't comfortable for this reason as well as I'm not going to be surety on a loan that is to be deposited into someone else 's account regardless who my guarantor is. I highly doubt you would either. Now that they have my signed promissory note " witch is considered as currency by XXXX and the Federal reserve. So in my eyes there had not been an even exchange. No equity. This is fraud. I want full legal recourse and remedy to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank Auto has been the vain of my existence for well over a year. I have been paying double sometimes triple the amount on my car loan in order to get ahead. This has been going on since XX/XX/XXXX. The payments are not being posted as I wanted it. The payments are being applied to the principal, interest and fee balance and not towards the current monthly payments and future as I wanted it. By PNC Bank not stating they were applying the payments this way and applying the payments as they please. This has created my account to be reported to the credit bureaus negatively. This is incorrect and all the late payments need to be removed from my credit report starting in XX/XX/XXXX. I by making multiple payments in the same month paying for multiple future months thought the months were paid. PNC Bank applied them not as I wanted and then turned around and reported over 9 times since XX/XX/XXXX up till today that my account is past due. I have attached the PNC statement as of today XX/XX/XXXX as current next payment due in XX/XX/XXXX. This wrong and very misleading. I have constantly called and requested an investigation but here I am still having the same issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employment Info : Self Employeed XXXX XXXX XXXX XXXX. This is inaccurate and I gave nobody permission to post false information or nay information about me. 

XXXX XXXX XXXX XXXX : This is my account and accurate. Only this Inquiries ..... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have not given any of these company 's permission to pull my credit report. This is inaccurate reporting and I want this removed. 
XXXX XXXX XXXX Reported XX/XX/XXXX {$930.00} Outstanding XXXX XXXX XXXX Reported XX/XX/XXXX, {$930.00} Outstanding. This is not my account. This was my ex-roommate 's account with a rental company and other than living in the same house I had nothing to do with. This is inaccurate and ridiculous. This needs to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX This is NOT one of my creditors. This needs to be removed asap. 

I am trying to establish my credit and these false and belligerent reporting 's have really messed things up. I hope this gets resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

As one of the 143 million victims of the Equifax XXXX data breach, I was provided with a credit monitoring service through XXXX   XXXX. Today ( XX/XX/XXXX ), despite the ongoing threat to my & my family 's financial security, as a direct result of Equifax 's negligence, I received notice from Equifax that the XXXX   service has been cancelled, with no reason given. Equifax should be held responsible for the original data breach, including small gestures like providing free permanent credit monitoring services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see the XXXX XXXX XXXX XXXX account is reported late for XX/XX/2022, but the account 's statement is addressed to a different mailing address. Please correct this error by reporting the account as never late/closed.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because there is an account ( XXXX XXXX Account XXXX XXXXXXXX ) being reported on my credit file without my permission or written consent, which is a direct violation of my rights under the FCRA. Equifax is responsible for this inaccurate reporting failing to comply with federal law, negatively affecting my creditworthiness, and causing me financial and emotional distress. Under 15 U.S.C. XXXXb ( a ), a consumer reporting agency may only furnish a consumer report under specific permissible purposes. I never authorized or provided written consent for this account to be reported, meaning it is appearing on my credit file unlawfully. Additionally, under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), furnishers are required to provide only accurate and complete information to credit reporting agencies. The continued reporting of this unauthorized account is a direct violation of this provision. I have already disputed this account with all three major credit bureaus Equifax, XXXX, and XXXX. While XXXX and XXXX have deleted the account from my report, Equifax continues to report it despite my disputes and the fact that the other bureaus have already removed it. Equifax 's clear failure to conduct a proper reinvestigation, as required under 15 U.S.C. XXXXi ( a ). The inconsistency between the bureaus further demonstrates that Equifax is failing to ensure the accuracy and fairness of my credit report, which is a violation of my rights. This ongoing inaccurate reporting is causing me unnecessary hardship, including potential denial of credit opportunities and financial stress. Despite multiple attempts to resolve this issue directly with Equifax, they continue to report the account without justification, failing their duty to provide a fair and accurate consumer credit file.
Product: Payday loan, title loan, personal loan, or advance loan

I was contacted by achieve.com for a potential loan refinance. With the loan the loan XXXX suggested, I would be able to pay off several credit cards, saving me interest and lowering my monthly payments by around {$300.00}. I was asked for my income and I provided it and my wife 's income. We were told that we were approved. They then asked us to send them our income documents to verify our income sources which isn't a problem. My wife and I both work regular jobs but also work for our church. 

We provided our paystubs for our regular jobs and a XXXX for my ministerial income as I am the pastor. My wife explained that she could provide our bank statements for proof of our church income. We were also asked to provide our taxes for proof of the church income. We provided all of these items as requested. The loan servicer then said that the church income documents were not good enough. Mind you, we have gotten loans from other places by providing just the bank statements showing regular deposits from our church income. 

We were asked to provide a letter from the church that listed out the checks, the dates and other requested information for verification purposes. We had the church treasurer prepare this letter and we provided the letter. We do not receive paystubs from the church only our checks and a XXXX at the end of the year. We were told a short time later that we were denied for our loan. 

I contacted our loan servicer back and expressed my concern with their ability to verify my church income and asked why it was being scrutinized so heavy. I explained that we had not had issues having it verified at other lenders. We were told that it was due to their verification policies. I told them that I believed that they were treating my verification unfairly based on the fact that it is income derived from a religious source. I was told that several underwriters are utilized so they don't believe that it is the case. 

The loan XXXX then said that he would see about having the loan reviewed again. I requested that I be able to speak to a supervisor and receive the response in writing from the underwriter. That was XX/XX/2023. I have now heard nothing from achieve.com since then. I was told on XX/XX/2023 that it would be the next day and I would hear something. I have called the loan XXXX and have not received any return call. 

I am convinced that they are avoiding speaking with me and denied my loan because I discovered that they have a bias against religious income sources. They are treating the verification unfairly in comparison with my other income and they used this verification to determine if I would receive a loan from them. No one should have to have their income from religious sources scrutinized and treated unfairly.
Product: Debt collection

I asked this company for the signed contract this company said they don't have to give me one. So, I seek legal counsel and they told me that the Debt collectors can't collect amounts that aren't authorized by the debt agreement or permitted by law and I believe the amount this company if trying to collect is not the amount on the contract that they said I signed.
Product: Checking or savings account

On XX/XX/22, I received a letter from First Tech Federal Credit Union that states I have a savings account that was opened on XX/XX/22. I see there was {$10.00} on the 25th transferred in and then back out, leaving a zero balance. 

Upon calling XXXX, I spoke with customer service XXXX XXXX. She requested the last 4 of my social security number which I confirmed and then text me a message with a numeric code to prove I was the savings account holder. 

I conformed the text message to discover via conversation that a previous company I had owned years ago had opened a savings account in my name. I had XXXX flag my account to avoid anyone opening a loan. 

She sent me a affidavit and asked for it to be completed and sent back. It asked for a copy of my driver 's license, social security number and additional personal detail. 

I did not fill it out or turn it in to her because I could not prove I was calling nor speaking to a legitimate company. 

I filed a police report and called XXXX to flag my credit with XXXX, XXXX and XXXX. 

I want this savings account closed without having to provide them an affadavit and relinquish more private information about myself. 

Let me know how you can help me to resolve this issue. 

Thanks!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me, please block and remove per 15 USC 1681c-2.
Product: Credit card

In XX/XX/XXXX Synchrony Bank issued me a new line of credit of {$4000.00} on a Sam 's Club XXXX credit card. In XXXX of XXXX Synchronchy turned around under 30 days later and decrease another Synchrony XXXX credit card of mine to XXXX by approx. {$2000.00} because my of credit score? They just approved me for credit, how can they retract it 30 days later with no missed payments or fault of mine? 

Not only did they decrease my limit on the XXXX credit card, but they removed the entire available balance, leaving the credit card maxed out with only {$13.00} available and putting it from its previous 40 % utilization to now 98 % utilization! The damage their actions will cause to my remaining credit is very severe and will start a snowball effect I will not be able to recover from. 

This is a very deceptive credit lender practice, issuing new credit to an long standing loyal existing member only to retract half of it 30 days later from the member 's other accounts and damage their credit! 

As a Synchrony member with multiple accounts over many years, I have zero late payment history. Across all credit bureaus I have zero late payments, collections or any delinquencies on any accounts. So the basis to remove the credit I have been 100 % responsible for is unsubstantiated.
Product: Bank account or service

I recently had both my accounts put on resticted use because of a bad check, I spoke to someone in the bank and they said there is nothing they can do and my accounts are going to close in 10 Business days and I have a pending direct Deposit they do n't allow and they keep giving me runaround stories saying it will be available and another representative said I ca n't get access because the account is resticted I do not understand why I can not get it