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

They are preventing me from adding my bank account to make payments. 

All of this has been ongoing for the past 2 months or so. 

I previously used the same account for many months to make payments, but at one point I accidentally double payed and rather than carrying a negative balance on the card I opted to cancel the payment from the side of my bank. 

As soon as the transaction was rejected, I was no longer able to use that bank account at all. I've called them multiple times and have tried numerous things but nothing they propose ever works, and they eventually started blaming my bank. However- I know the bank is fine because when I call them and ask them to charge the bank they have been able to do so, even after it was blocked on their end in the website UI. 

I opened a new bank account in order to try and get around this but am having trouble with that bank account, and likely I will end up being charged late fees because of the credit card companies refusing to take my payment. 

I also setup a new account with my original bank account which worked for one payment, but I got a bonus from work and after transfering that out to XXXX apparently my bank blocked all outgoing payments because it was so large/I hit some limit for the month. This caused another payment to be canceled on the new account and now that one is blocked by by my credit card also. 

I want to highlight that I have spent hours across several support calls and my own debugging to try and resolve this issue. The company has been completely unwilling to do anything, and to an extent does not seem to even acknowledge this as a problem. 

This is the Amazon Store Card from Synchrony.
Product: Credit reporting

After going into a dealership to look for a vehicle, found out later when I had my credit checked on my account with XXXX that the dealership had pulled my credit XXXX different times from XXXX. I never read nor did I ever see any agreement or paperwork showing that this was going to happen. No one went over or showed me a finance application. I now have these hard inquires on my credit that have messed up my score. I sent a certified letter to the dealership asking for the proof of my consent to pull my credit XXXX times. They sent back a response showing a print out of the salesman 's application he filled out on his computer that I never was showed. But when they sent out the application it clearly reads in their agreement statement that they are required to let me know the creditor and address of who they share my credit with. I was never presented with any of this information and have been taken advantage of. I sent back a certified response explaining the conditions, the dealership never responded back, I gave them over 30 days, now I want to take action against them. I have attached all corresponding letters with the dispute.
Product: Debt collection

I received a phone call by someone claiming to be a civil court clerk. She gave me a reference number and a phone number about a civil matter filed against me. The call came from a private number. I then call the number and the lady claims I owe a debt from 23 years ago from Bank of America for overdraft fees. I state I know nothing about it and its past the statue of limitations. She then threatens me with liens, judgments, Harassment, all that stuff and hung up The number is XXXX Oh and she kept repeating my social security number, and was one number off, and like an XXXX corrected her
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has left inaccurate and unverifiable accounts unresolved, including an auto loan with XXXX crest showing a balance of {$9500.00}. 



The auto loan pertains to a vehicle that was a lemon, with significant mechanical issues, including a hole in the oil bedpan, rendering it unusable within XXXX months of purchase. Despite my efforts to repair the vehicle and communicate these issues, the balance was sent to collections unjustly. Experian has refused to acknowledge or address this context, failing to remove or correct the account despite multiple disputes and supporting documentation. 



The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, citing systemic issues such as failing to forward evidence provided by consumers to furnishers, accepting unreliable responses from furnishers, and neglecting to notify consumers of dispute outcomes adequately. 



These systemic failures align with my personal experience, as Experian has neither corrected nor removed inaccurate information from my credit file, further compounding financial hardship caused by this unresolved dispute.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$5900.00}, XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX balance {$1300.00}, XXXX XXXX XXXX {$36000.00}, XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IN ITS CONTINUOS VIOLATION OF MY GUARANTEED RIGHTS UNDER THE FCRA GUIDELINES HAS REFUSED TO REMOVE A STATEMENT FROM MY CREDIT REPORT WHICH IS UNAUTHORIZED BY ME EVEN AFTER SEVERAL REQUESTS BY MYSELF FOR THIS UNAUTHORIZED STATEMENT TO BE REMOVED BY TRANSUNION. THE STATE IS STATE AS FOLLOWS " Promotional opt-out This file has been opted out of promotional lists supplied by TransUnion. 
( Note : This opt-out is set to expire in XXXX ) The opt out on your file will remain in effect until the expiration date specified above, unless you request it to be made permanent. To permanently opt out of promotional lists provided by TransUnion, you must send us a signed " Notice of Election '' form, which can be obtained by writing us or calling us at XXXX and speaking with a representative. '' I DEMAND THIS STATEMENT BE IMMEDIATELY REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY. 
attached is a copy of my credit report and a screen short of the part in question
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion website has not allowed for electronic disputes to be filed for over a year now. I have an invalid debt showing in collections on my credit report but yet can not dispute it.
Product: Credit reporting or other personal consumer reports

I want to bring to your attention an issue regarding the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed that there is an entry related to a bankruptcy proceeding. However, I would like to clarify that the bankruptcy court did not furnish or report any of my private information to any third party, thereby violating my privacy rights under 15 U.S.C. 1681b.

I would like to request the immediate removal of this inaccurate information from my credit report.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that credit reporting agencies ensure the accuracy and integrity of the information they report. The inclusion of this erroneous bankruptcy entry on my credit report not only misrepresents my financial history but also violates my privacy rights.
Product: Mortgage

I was working with Republic Bank for a refinance loan. I submitted all paperwork on time. The lender was delayed in processing the paperwork and my lock rate period ended. Now this lender wants me to pay for the expenses of extending the rate lock. 
I have already given them {$390.00} to start the process. I will lose this money too because I am not going to sign up for loan.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a new credit card with XXXX XXXX XXXX through XXXX XXXX and made a purchase of two items from XXXX in the amount of {$100.00} Unfortunately, the items did not work out for me and I made a return of one of the items in store in the value of {$36.00} on March 18 of 2018 and received a refund of that same amount. On XX/XX/XXXX, I made a return of the second item in store in the value of {$71.00} and received a return receipt showing my expected refund of ( - {$71.00} ). I waited for more than 3 weeks to receive this money back on my credit card as a refund but never did. I contacted the credit card company known as XXXX XXXX and they stated that I would have to file a charge dispute and fax them a copy of my return receipt so that they refund me the money. I did exactly that. About 2 weeks later, I received my money back and when I did, I called XXXX XXXX and closed my account with them. I was highly dissatisfied with their service and attempted FRAUD. 
On XX/XX/XXXX, I received a new statement from XXXX XXXX in the amount of {$71.00} after I had already closed my account with them. I immediately called them and they stated that the dispute, which I had submitted a month earlier, was declined and that I have to pay {$71.00}. I believe this is FRAUD - I have my receipt to prove that I returned this item and should have received my refund back.
Product: Student loan

I took a loan out with Genesis Lending to attend XXXX XXXX in XXXX, WA and paid it off shortly after graduating. I was told they had been sued and students within a certain time frame were eligible for partial refunds. When I tried to contact them to see if I was eligible for a refund they told me they had no record of my account. What more can I do before contacting a lawyer to pursue a lawsuit?
Product: Student loan

I applied for an XXXX XXXX XXXX plan after payments resumed on my student loans. I was approved for an XXXX payment and told my application would be sent to my loan servicer, Nelnet. 

I received an email from Nelnet that my plan was " being processed '' and that while it was being processed I did not have to do anything else and if my payment became due it would be placed in administrative forbearance. 

At the start of this month I started receiving " Past Due '' notices. I called Nelnet and after holding on the phone for 2 hours was told the account " had not '' been placed on administrative forbearance and asked to apply for something else. I responded I did not want to apply for anything else because I was not eligible for anything else and my XXXX plan was already documented. 

Currently my account is now Past Due despite my request not being timely processed by Nelnet.
Product: Credit card or prepaid card

I've never filed a financial complaint report- but I'm convinced that Capital One credit cards intentionally engaged in a deceptive billing strategy to drive revenue. 

My credit score dropped XXXX points- due to a new annual fee and late fees- on a credit card I have not used in more than 4 years. I maintain impeccable credit - usually above XXXX - which would indicate that I pay all bills on time and I'm on top of bill management. 

They first sent offers to go paperless - I accepted - no need to receive paper statements on a card i don't use, I only hold in emergency reserve in case needed. 

They billed an annual fee. Then apparently compounding late fees over a several month process. Made no reasonable attempt to notify a cardholder who has not used the card in 4 years - that something new and unusual was happening- they simply sent me to collections. 

I've attached screen shots of my email inbox, sorted by the words 'Capital One, and illustrating roughly the 5 months from fee application through collections submission. Keep in mind this is over several months- so in chronological order, there are several hundred emails between each of these - you'd never see them presented this sequentially. 

Note the titles of the emails. All fairly benign titles. 

There's one that says 'your payment is due. ' I know that I don't use the card - so that would not have caught my attention.

There's several noting a 'change to your credit score. ' I maintain high credit- I get credit notices- I never check ... because its usually positive information since I auto pay all bills on-time ( I authorize the credit cards to deduct the 100 % amount due automatically from my checking account ). 

Do you see a 'your account is past due ' notice? No. Any 'we 're about to send you to collections ' warnings? No. 

Extremely suspicious. A new fee. They can send benign marketing emails. But nothing that comes close to a warning. it doesn't add up. 

I called them on XX/XX/28. They had a fully prepared script. Understood my frustration. Not the only one to complain. 'We 're stepping up ' and refunding funds- it'll just take a few months and I MUST do the cancel via the website if I want the refund ( strange again ). 

I asked if they would submit a notice to fix my credit rating - the thing that will cost me the most if it's left alone. That's not apparently part of their process. 

I'm outraged. It feels like the same sort of sham pulled off by XXXX XXXX and XXXX XXXX. Create fees- don't give them visibility - bill them in secret after creating paperless statements - and reap huge profits.
Product: Credit reporting or other personal consumer reports

Please remove credit acceptance loan off of my credit report ASAP. This loan was not attained by me and I am currently working with my local police to find out who fraduently opened this account. 

If this loan appears to be mine please provide my identification and a signed contract with proof that I signed it that makes the contract legally binding. I will take legal action if this loan is not removed from my credit report within XXXX days.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was forced to send {$600.00} on cash app to cash app name $ XXXX ( XXXX ). I was held against my will and had to reach out to get the money from others on cash app. The police were called and he was arrested. Additionally, he stole my car keys. 

My cash app name is $ XXXX ( XXXX XXXX XXXX XXXX my name that is listed there. 

I have the police report number which I've offered to provide to cash app. They have been unwilling to assist ; however, I do not believe he should keep my money after it was forcefully taken during the act of a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

A dispute and FTC report was submitted for a fraudulent account and hard inquiries on my credit reports. 

Equifax account : XXXX {$7300.00} Hard inquiries : XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  Fin XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax - XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I recieved an installment loan from spot loan. I lost my job and not beem able the pay a lafy by yhe name of XXXX XXXX who said she was a CPA with XXXX calling om behalf of spot loam has beem calling friends and family members discussing my debt and telling my friends amd family memebers that they will suspend my registration for my vehicle are they allowed yo discuss my information?
Product: Money transfer, virtual currency, or money service

I find it reprehensible that Citigroup is using social engineering to punish legal businesses that deal in firearms. 

For companies that were saved by government ( taxpayer ) bailouts and have substantial government business, they have no right to deny financial services to any businesses that are conducting legal and constitutionally protected commerce.

I will review any future personal dealings I might have with these two banks if they continue their plans to punish these types of businesses and proceed with their unjust intentions.
Product: Debt collection

They want to get {$5000.00} to me that they i owed from netcredit.
Product: Debt collection

I send a letter to the creditor never got response back in XX/XX/year> so waited some time and never got a response so I went to the credit agencies XXXX XXXX and XXXX the only respond I got was that Capital one verified the debt requested them to send verified the debt they did not send me anything and then I requested it from the creditor and also nothing They just said they verified the debt and stated its mine never gave any proof of the debt and I Requested that information form the the creditor never got any response so I am asking for your help that creditor is breaking the law not providing the circumstantial documents requested
Product: Credit card

On XXXX XXXX I used the Capital One Credit Card payment system to authorize a payment of {$150.00} to my credit card. I discovered on XXXX XXXX, 2015 an un-authorized deduction from my checking account of {$1800.00} taken by Capital One Credit Cards. I have spoken to XXXX customer service representatives. XXXX supervisors and XXXX senior supervisor. They have promised to refund my money within XXXX days since XXXX XXXX and this has not happened. They have also refused to pay the insufficient fee charges {$230.00} that have hit my account for the bills that I had to pay. On XXXX XXXX I noticed the money had not been refunded so I called back to Capital One and was told that the situation was still under investigation and the funds were not released. When I asked to speak to a supervisor I was transferred to XXXX who told me that the funds would be in my account by Thursday evening. I asked if she was sure and she said yes. I told her that I had {$200.00} in insufficient fees on my account and several bills still coming through. At his point my account was now negative by {$1300.00}. She provided another XXXX. XXXX number and asked me to send a statement from the bank with the amount of insufficient fee charges my account had received. 
On XXXX XXXX I called again and requested a supervisor, I was transferred to Senior Supervisor XXXX who told me that my money is still sitting with Capital One, XXXX week later, because they are trying to see how this happened. I told her to send me money and you all can investigate this on your own while my money is sitting in my account and she said there is nothing she can do. I have a mother with XXXX and XXXX children that I am supporting. Every dime I make goes toward our living expenses. I explained this to Capital One Credit Cards and they do n't feel that this is their problem. I need the money for the insufficient fee charges returned to me. Currently the fees are at {$150.00}. The reason I am writing is to complain, Capital One Credit Card staff have lied to me and given me the " run around for a week ''. Why I should pay a fee for a mistake that Capital One 's system made. It is impossible to enter XXXX payment requests at the same exact time into their system unless you are sitting at XXXX separate computers. Also, if there is an issue with their system I would think ( in this era of hacking that the focus would or should be on determining where the problem lies ). Can you help me get my money back please? 

Capital One has been highly unprofessional, and condescending. I feel like they think I am a joke every time I call. 
Their is a problem with their system. This is not a consumer problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three letters to Experian, XXXX, and XXXX ( one in XX/XX/XXXX and over 30 days later in XX/XX/XXXX ) asking that they  investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded Experian, XXXX , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... Experian, XXXX, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..
Product: Credit card

We closed our previous Wells Fargo Cash-back credit card ( with XXXX balance/credit ) so that we can take advantage of the Rewards Visa Signature credit card with six months promotional XXXX % rewards on Grocery, Gas Station, and Drugstore purchases. Wells Fargo employed the bait-and-switch tactics to deny our promotion without any rationale. 
XXXX We demand WF provide us the promised full six-month promotion on our new WF XXXX Visa Signature card!!
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below, I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX XXXX XXXX.