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

To whom it XXXX concern, Bluebird has blocked/ closed my account due to valid disputes I filed. Although, Bluebird did not process my disputes. All Vendors with the exception of one, XXXX, has returned funds back to my account. I believe there has been a misunderstanding in communication between Bluebird and I and I am in need of your assistance. 

Please assist me in 1 ) Reopening my account as I have not violated my user agreement by filing valid disputes.

2 ) Unblock my balance of {$170.00} on my account. As well as my ability to view my transaction history.

3 ) Retrieve {$30.00}. from merchant, XXXX XXXX XXXX XXXX as they state XXXX will only allow the financial XXXX Bluebird to return funds to customers once a dispute has been opened. 
( Please see screenshot where XXXX is in agreement with the return of my funds ). 

Please investigate and assist me in addressing these concerns. 
Thank you for your time and attention to this matter. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XXXX XXXX, I received notification of a judgement, from XXXX, on my credit report. I tried several times to dispute the amount of judgement. Several months later, I received a letter from Portfolio Recovery Associates, LLC informing me that I can pay a lesser amount to close the account. 
On XXXX XXXX, I sent an electronic check, from XXXX, for {$450.00} to close the account and have it removed from my credit report. Its still there to this day. I have chatted and called several times asking why this account is still open? I get the same answer claiming that they don't have any detail that a payment has been made. 
After my last call, this morning, and getting the same answer. I called XXXX and a representative verified that not only did Portfolio Recovery Associates, LLC did receive the check, but also cashed it the day it was received on XXXX XXXX. I'm trying to purchase a house and this judgement is still in the way of my credit score improving.
Product: Payday loan, title loan, or personal loan

I have received a letter for a debt that is not mine from a collection agency I have NO CONTRACT with.     This collection agency has stated that I owe them {$2400.00} and is continuing to ruin my credit file.     They have sent paperwork for a loan that claims I took out a loan for {$1800.00}. This is n't even the same amount they are telling me to pay them.     I have taken out previous loans with the original creditor and paid them all off on time.   I believe they have pulled something that appears to be a signature of mine from past accounts.     I do not know who " Clark County Collection '' is, nor do I have any type of contract with them that I am obligated to pay them or owe them money.     They claim to have sent me a letter in  2013  that I NEVER received or I would have fought this back then!     This needs to be removed from my credit file immediately!
Product: Credit reporting or other personal consumer reports

Well according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Discoverbank ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Discover bank ) and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Discover bank ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Discover bank ) never has informed me of my right to exercise my nondisclosure option. Also, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX both arent maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a secured credit card with Fifth third around XX/XX/XXXX. I decided in XXXX of XXXX that this card was not helping my credit and I wanted to close it. I called the number on the back of the card and told them to close it. They told me they were closing it however I had to pay off the {$260.00} and some chane that was owed on it and the would deposit my {$300.00} into my account 30 days after I paid the card off. However, they opened another card without my permission and on my account and allowed someone to process charges on it and when I told them I didn't make the charges they flagged it for fraud and told me the account couldn't be closed until they investigated. XXXX weeks later I received a determination that the charges were fraudulent. So I called them to have them close my account but was told that the fraud department had to take the block off my card before it could be closed and that they were sorry someone had only closed my card and not closed the account and this was why another cars was generated. So when they transferred me to the fraud department they told me they could not help me until someone from my local branch called them. I called my local branch and spoke with XXXX XXXX and he told me that is not how that works and that he would look into this and call me back but didnt. By this time they have closed and opened XXXX cards without my permission each time they closed telling me they were reporting it to the credit bureau. Which they did. I spoke to a woman at the bank XX/XX/XXXX. She told me it was all taken care of and I would get my money back XX/XX/XXXX which is way after the 30 days. But they have since opened XXXX more cards and let charges go through and sent it to the fraud department. I need my money
Product: Mortgage

On Wednesday XX/XX/XXXX at XXXX I received an alter from my Bank that I was overdrawn. When I check my account I saw that my Mortgage XXXX XXXX had withdrawn the amount of my February 2025 monthly payment, without my authorization. I called Customer Services and was advised that their Automated Phone -payment system had done this in error. The Representative advised m that a refund would be processed. I have not received any emails or texts from them advising of the issue or how they would be handling to correct the situation.
Product: Vehicle loan or lease

My vehicle was repossessed despite making payments on the loan. In fact my vehicle was repossessed just days ( no even a week ) after my last payment. They have unfair and predatory practices aimed at ripping off consumers. I was offered a loan extension but it was withdrawn without my input and claim ( according to email ) that " I no longer was interested '' in the loan extension, after which they quickly charged off the debt. Their practices are predatory, their communications are misleading, and the entire business model unethical.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I spoke to XXXX XXXX about an SBA Loan or LOC and to start sending all the application process. He told me he would talk to XXXX XXXX an SBA Officer in charge of the application process. I would have to speak to her about the process and anything needed. 
On XX/XX/XXXX at XXXX XXXX, we had the phone call and discussed everything about the application. They were asking things that should not even be asked for any loan.i submitted all the documentation ASAP for them to review, then did it again, for extra documentation, without any excuse for doing this. I just had the impression of they asking a lot for me not to apply for the loan. Then the underwriting department ruled me out, and they do not even have a way of saying why not since I have everything in order. They ruled me out using standards used for regular loans instead of SBA loans which is money to help Small Businesses like mine, but it is used only for millionaires, people with money or I do not know what is the base standard, but to discriminatory. Since I'm XXXX and the business is located in a poor community. Nothing else they are actually looking for. 
The discriminatory policies on this bank and the way they used federal back loan money are being used not how is intended to be done. I have tried to talk even to the CEO and the executives alert them about this and it is impossible to do.

Please check this out and let me know.

They make me lose money and time, just to have me denied due to their discriminatory policies.
Product: Credit reporting or other personal consumer reports

All three Buereaus are reporting different number of accounts, open or closed, none of them are accurate. This must be corrected. 15 usc 1692. 15 usc 1681a, I have the right to dispute anything inaccurate. This has affected me a lot. I cant get a car or place to live, from the innacurate reporting. XXXX now says I dont have enough credit to be reported which is false XXXX and XXXX all have different amounts and accounts being reported as opens or closed. Some say open but are really closed. I also never received 1099a or 1099c forms from the companies. They charged off some accounts, which is a tax write off. They get paid and are still reporting fraud. Thank you. My names XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a live check in the mail for installment loan, cashed it and never signed anything for a hard inquiry.
Product: Student loan

I have a school loan I have been paying to Navient and they seem to keep loosing my payments or can't find them. From XX/XX/2018 to XX/XX/2018 they said they haven't received my payments. I've been sending them payments by money order and I have all of my receipts from my money orders. This is the second time they have lost my payments. The first time was in XX/XX/2018 and they told me to do a forebearance for that. I have my receipt for that month also.
Product: Vehicle loan or lease

My car was totaled on XX/XX/XXXX. Our insurance company, XXXX paid about {$20000.00} to the finance company, Exeter Finance on XX/XX/XXXX. The check cleared on XX/XX/XXXX. My boyfriend ( who I share the loan with ) and I have been in close contact with Exeter pertaining to the payment status from XXXX and what was happening on a weekly basis. We spoke to customer service agents in the total loss and GAP depts. constantly while dealing with the insurance claim. No one ever said that a payment was due, or about to be late. No one let us know once that the {$20000.00} given to them by the ins. company wouldnt be counted as a payment since it was directly from US. So they proceeded to report a late payment for the month of XXXX and in doing so dropped mine and my bf credit 81 pts. This has devastated us both. I spoke to the GAP dept on several occasions on XX/XX/XXXX, the day I got the alert about the credit change and all they could tell me was that I signed the contract where that piece of information is buried in a lot of paperwork that Im never going to get to read and that this kind of mess happens daily for her. She hears this issue all the time according to her, and still Exeter finance company refuses to inform the customer that their credit could be effected if payments dont continue. Especially when they know this is something constantly overlooked by their costumers. It seems Exeter is simply trying to make their money. But speaking as a person who has been working to get their credit up, and TRUSTED Exeter finance to help me do that, I feel betrayed. I have read about law suits theyve lost due to doing bad business. I fully intend to take this up to corporate levels to get a resolution, as well as dispute the missed payment. But I felt I needed to ask if I have any kind of case to go to a lawyer about this issue?
Product: Credit card or prepaid card

I checked my credit file recently and noticed a drastic decrease. The decrease was due to a closed navy federal card. No one from navy federal notified me that my card was closed. Several months ago I was unable to use my card. A representative told me the card was closed temporarily and will reopen after 10 days. I still have access to the account information on my mobile banking but I am unable to use the card. I filed a complaint against navy federal and asked that a supervisor calls me but no one ever reached out to me. I am a XXXX XXXX and any drastic changes to my credit file and score will negatively impact my ability for any XXXX loans. I have filed disputes against merchants with navy federal and instead of investigating my disputes, baby federal closed those disputes. Those same disputes were filed with my other bank against the exact same merchants the same time I filed with navy federal. My other bank communicated with me by phone and email every step of the way. When new information was needed they called me to request information. They did their investigation which resulted in my favor. My funds were refunded back to me after their investigation was complete. Navy federal fails to do investigations. Instead they close the disputes and close my account.
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company with a caller ID " Credence Rsrc '' has been calling my phone multiple times daily for the last month and I normally reject the call because of my multiple spam calls. Today I answered the phone and asked them why they keep calling me. The rep said some man 's name and/or his wife. I told the rep I don't know the man and I am single and have NO OUTSTANDING DEBTS and to quit calling me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within XXXX  days.
Product: Mortgage

I applied for an equity loan on several of my investment properties through Fifth Third Bank in XXXX, Ohio on two occasions. The bank officials misrepresented the equity loan eligibility ; knowingly adversely affecting my credit score ; practicing discrimination in applying the criteria for an equity loan. On or about XX/XX/2016, I applied for equity loan on XXXX properties. I was told my rental income was applicable in establishing additional income. I was subsequently denied because of my credit score was lower than a needed XXXX and my debt to income ratio was to high. Five month later, on or about XX/XX/2016, I applied, this time with far less debt and a higher credit score. I was denied again based on my debt to income ratio as being to high but this time they refused to consider my verifiable rental income. 
Clearly, the Fifth Third officials were simply playing with my time and adversely affecting my credit score to merely meeting certain application quotes and/or they are willfully discriminating against me when considering other equity loan applications, they are approving but denying me.
Product: Checking or savings account

My boyfriend sent two deposits to my checking account I have with XXXX its an app checking account their name on the app is pnc bank c/o XXXX and after the transactions were complete and available they froze my debut card so I couldnt access my funds. I found the XXXX XXXX  on the App Store and have had the account for over six months I had previous issues with deposits I had made but not like this where they are completely taking my funds. I followed their error resolution request but every time they responded they asked for something else or said they didnt receive the attachments they kept contradicting themselves over email so I called and spoke to five different supervisors and talked to the highest person they allowed me access to and all they kept saying is they didnt have authority to turn my card back on. In their terms and conditions it says they allow third party transfers I sent them screenshots of their terms and conditions. I called over five times and I asked to talk to someone who could help me but they said that department was only available through email. They just kept running me in circles so I finally emailed them that they were breaking federal law by not letting access my available funds and I was going to contact FDIC and banking regulators than today I tried to log onto the account and it said my account is closed so I have no idea where my funds are and need my XXXX dollars back
Product: Consumer Loan

I have a car loan with Bridgecrest ( XXXX ). My payment was due on XX/XX/XXXX. I have my bank information store in my account and submitted a payment on the XX/XX/XXXX. On the XX/XX/XXXX I received an email stating my payment was returned for insufficient funds. I contacted my bank and was told they never tried to take the payment until XX/XX/XXXX. When I spoke with a representative she told me when they ran it my account was closed but she could n't provide me with that proof. They reported my payment late and I owe them a XXXX $ late fee. I feel this is unfair to me because I 've been making my payments on time twice a month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Money transfer, virtual currency, or money service

I had transferred XXXX dollars from XXXX to Keybank on Wednesday night. The transaction was received on a Thursday. It is now Monday and while the money was taken out on Thursday it is still not in KeyBank.
Product: Debt collection

I've contacted the original creditor XXXX and the Credit Collection Service and they can verify the debt has been paid back on XX/XX/2020. However, the Collection Service say 's that they will keep reporting to the credit bureaus weekly up to 30 days until it updates in there system. It has been over 30 days and they have reported this debt 3 days in a row to XXXX. I've called XXXX and XXXX has sent emails and notifications to stop reporting. I've called the collection service and they say there is nothing they can do. Even after my complaints they are still reporting to the credit bureaus that this is a collection.