23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been calling since XXXX to get me removed as an authorized user and for US Bank. Each time we've called to get the authorized user removed, they have said that they have taken the steps to remove me so that it can begin to report as me not being an authorized user. After 2-3 weeks or so, we would call back and they would say that the previous representative was not doing it correctly and did not properly solve the problem. I am trying to get this information properly updated so that my credit report will be accurate. I have attached a screenshot of what is reflected and the last time that they reported accurate information to the credit bureaus.
Product: Bank account or service

I 'm with bank of america every time. I use my debit card the funds for that transaction are placed on hold. I had a transaction to go thru and the funds were n't there to cover it. I was charged {$35.00} since which cause everything processing to bounce and I received additional overdraft fees on XX/XX/XXXX. On XXXX XXXX I received and overdraft fee for my account which did n't have XXXX to cover a transaction all these are debit card purchases. I feel like a {$35.00} fee on XXXX is crazy when I was inquiring on how to file a suit I was referred to this site. So before I take any more actions I 'm going to see how this site helps
Product: Credit reporting, credit repair services, or other personal consumer reports

jpmcb pulled credit i never applied
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to delete old accounts that are closed from my report. I have even secured a credit repair individual from XXXX XXXX XXXX to work with me in requesting these deletions. However, these old accounts continue to appear on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cashcall is reporting my account included in bankruptcy which is a violation of the bankruptcy filing law. 
I also requested a copy of a signed contract since I have had multiple account which were paid in full. I have not received a copy of my signed contract and the payment schedule that sent me was for one year of payments when they are reporting two years of payments. 
They also are reporting multiple lates on this account for the months of XX/XX/XXXX and XX/XX/XXXX 60 days late and 30 days late. Their payment schedule is had to read and doesnt show a 60 day late payment.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Also 42 USC 408 asking for anyone 's SOCIAL SECURITY NUMBER on any loan and or credit card account is fraud and double dipping which is a violation of RICO. 15 USC 1666b there is no such thing as late payments which they continue to claim they're late payments on my credit report which again is fraud I believe they have been getting away with fraud so long they think they will never be held accountable.

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

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

XXXX XXXX and XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Student loan

I received calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX XXXX EST from American Education Services. Both pick up hang ups. I looked to ensure all payments were current after the call on XX/XX/XXXX. On XX/XX/XXXX XXXX I called back and the representative asked for my current address and I confirmed all information. 

On XX/XX/XXXX my mother called stating that called asking my address information. I told her I called them and gave it. At XXXX on XX/XX/XXXX I called the company back and that stated they were asking about my father a cosigner who was XXXX. The representative stated an original XXXX XXXX must be mailed to AES, I asked about alternatives and the representative stated that was the only way. I asked to speak to a supervisor and the supervisor said I could do it via fax, or through website submission. I told them I would have to get a copy and I think I had it in my email. 

When I hung up the call I searched my email and found no copy so I texted a family member who would have the information. The family member stated they would get it to me. 

Also on XX/XX/XXXX at XXXX another incoming call, no voicemail. I called back at XXXX and spoke with a representative who stated the calls will continue daily until I get the death certificate in, I asked for them to stop especially to an elderly reference who is unable to handle her own affairs, they stated they are unable to stop the calls. I stated as a consumer this appeared to be harassment after keeping reasonable communication and that I would contact the CFPB.
Product: Checking or savings account

Received several offers from CitiBank for a tiered checking acct. I would receive a {$1500.00} bonus if I opened a checking acct and met terms by holding funds for 60 days or more. I opened the account late XX/XX/XXXX and was told that the funds would be disbursed between XX/XX/XXXX and XXXX XXXX. On XXXX XXXX, I called and it was verified that the terms were met. So, the agent manually entered a release of funds request at that time. On XXXX XXXX, I called again to inquire about the delay and was told that I would not receive the funds as I did not meet their targeted audience. So, a dispute was opened ( XXXX ). Within hours, I received a reply in my secured account saying that I did not qualify because the e-mail offer was sent to my husband. This is outrageous as the offer indicated that this was an exclusive member bonus based on a longstanding credit card account ( ending # XXXX ) that we've held jointly since XXXX. Please note, that there were two online offers. One offer that I kept the e-mail on ( and which I've attached ) was dated in XX/XX/XXXX. Another offer was received a couple of months later with the same terms which ran until mid XXXX. I can no longer find the XXXX e-mail ( Its been over 7 months since I received it ). I didn't feel that I needed to keep all e-mails as I received a welcome confirmation e-mail which also listed the terms and terms and conditions ( also attached ). The terms and conditions state that the account needs to be opened and fully funded between XX/XX/XXXX to XX/XX/XXXX which is exactly what I did. There is nothing in the offer or the confirmation terms and conditions that state that the account could not be opened in my name ( this was done to avoid monthly fees as I'm a senior ), and it appeared difficult to open anything jointly. The money was deposited in good faith and I was never once told that I did not qualify even though I talked to customer service numerous times for fund updates.. At the very least, I should have been notified that I didn't qualify so I could place my money elsewhere where I would have received at least some interest without all the restrictions that CitiBank had on this offer. If I do not receive the bonus, then I essentially gave CitiBank {$200000.00} to hold XXXX for 6 months with no money earned. Since I'm a senior, this is a big loss as my husband are both retired and live off interest to pay our bills. It almost feels that CitiBank has resorted to deceptive practices so they can reject the bonus when it's time to pay out. 

I would like to have someone look into the Citibank tiered checking offer. Online complaints about Citibank indicate that I'm not the first customer that they misled like this. If nothing further happens, I may seek a class action lawsuit as this seems to be a common practice with CitiBank
Product: Credit card

Us bank refuses to uphold protest to fraud charge on my credit card. 
Us bank says the seller provided proof of my name address email and usps delivery All these things the scammer has so this is no proof. 
Seller supposedly sent XXXX XXXX to XXXX XXXX ( never got anything ) and package to house ( never got anything ).
Product: Debt collection

I am filing this complaint regarding a medical debt owed to XXXX, a company that provides aligners, and their debt collector, Westlake Portfolio. I initially signed up with XXXX and agreed to a total cost of around {$2000.00}, with an initial payment of {$290.00} and subsequent monthly payments of {$99.00}. 

Upon realizing that the aligners were not suitable for me, I researched the refund process on XXXX 's website. However, when I tried to initiate the refund, XXXX informed me that I was not eligible. I attempted to dispute their findings based on their own terms and conditions, but they had already blocked my access to do so. Feeling dissatisfied with their service and promises, I decided to continue making payments to XXXX, even though I wasn't a happy customer. 

Months later, I discovered a missing payment collection notice on my credit report, which negatively affected my credit score when I was in the process of purchasing a car. I discovered that the missed payment amount reported by Westlake Portfolio, which caused my credit score to plummet by over XXXX points. When I contacted Westlake, they informed me that the amount they were claiming included interest and charges, and even if I paid the full amount, it would remain on my credit report for 7-10 years. XXXX redirected me back to Westlake, stating they didn't have any information about my account. This back-and-forth continued, even after speaking with XXXX, a supervisor at XXXX. 

My main concern is that I am unable to ascertain which payments were missing, as I had set up automatic payments and didn't reconcile my accounts regularly unless there was a significant discrepancy. XXXX and Westlake have both provided different amounts owed, neither of which takes into account the payments I made or the agreed-upon pricing when I initially purchased the aligners. 

I feel that both XXXX and Westlake are holding my credit XXXX without providing any details about the alleged debt. They are effectively extorting me, offering the choice between paying an amount I believe to be inaccurate or enduring the long-term consequences on my credit report. I am seeking assistance in resolving this matter promptly and fairly.
Product: Credit reporting or other personal consumer reports

I've call because they've been charging me late fees on a credit card Im not even using. I told them the card has been inactive for close to a year and I haven't use it for anyting. I paid in full and cancel, however they still charging me money. I've request to talk to supervisor several times and nobody return the call or can not talk at the moment.
Product: Credit card or prepaid card

On XX/XX/2022, I began the debt consolidation process with a company. On XX/XX/2022, I emailed XXXX requesting to freeze card and close the account. XXXX replied on XX/XX/2022 stating they could close the account, but XXXX never closed the account and it is still accruing interest to date and reporting negatively on my credit report. The debt consolidation company can not begin negotiations until the account is closed for collection. XXXX is the only creditor who has not complied with my request for account closure.
Product: Checking or savings account

On XX/XX/19, a PNC bank branch in Georgia made an error of withdrawing {$1800.00} from my savings account and they gave those funds to someone else in error. I live in Maryland and all of my banking has taken place in this state. On XX/XX/19 at XXXX, I filed a dispute against this error and was incorrectly informed that I would be reimbursed 3 business days after my dispute was filed. After 3 business days, I was told by PNC customer service that my dispute was being dealt with by the fraud and identity theft department and that it could take up to 30 days for my funds to be returned to me. None of the errors that took place are my fault and my personal funds are being withheld from me for an unreasonable amount of time due to the errors of the bank. There has been a lack of responsiveness from the bank and the customer service processes have been disappointing. All of the funds that I keep in the bank are needed and I should not have to wait this long due to error on PNC banks side. For an insured banking establishment, this is unacceptable.
Product: Credit reporting or other personal consumer reports

A fare resolution is to delete this account from my credit report because of multiple violations of fair credit reporting act.
Product: Prepaid card

They told me that they were going to send me out another one and I'm still waiting for the card it's been months and still no card direct Express card..
Product: Credit card

Around XX/XX/year>, I received an erroneous charge of {$100.00} on my XXXX credit card from XXXX. After multiple calls with customer service, Wells FargoXXXX finally addressed the issue in XX/XX/year> by launching an inquiry with the vendor and issuing me a new card. I was given a temporary credit of {$100.00} towards my balance. 

On XX/XX/year>, XXXXWells Fargo informed me that my issue was resolved and issued me a separate refund of {$100.00} directly from XXXX. On XX/XX/XXXX, XXXXWells Fargo rescinded the credit they had applied earlier. 

The issue arose when, on XX/XX/XXXX, XXXX/Wells Fargo debited my card again for {$100.00} to rescind the same credit for a second time, placing a card, which I had stopped using due to these issues, in the red with a negative balance. 

Multiple times over this six-month process, the company has applied interest and late payment penalties to these erroneous charges only to remove them, further demonstrating that they are aware these charges are incorrect. Nevertheless, they have been unable to remove the incorrect charge and let it continue to accrue fees, and I believe it may negatively impact my credit if it is not corrected. 

Currently, the balance is {$150.00}, which is a {$100.00} erroneous debit and {$51.00} in fees on that charge.
Product: Credit card or prepaid card

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX were no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Conn XXXX Inc. has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in Exhibit A and information associated with Conn XXXX IncXXXX XXXX must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information reported on my credit file and Inquiries that I did not authorize. I had filed complaints to the TransUnion on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Product: Credit reporting or other personal consumer reports

I have an open collection account reported on XX/XX/2024 for PORTFOLIO XXXX. I tried to obtain the information the party who reported it to credit. Upon accessing the online account PORTFOLIO it says XXXX XXXX Account Number XXXX XXXXXXXX Your account information can not be viewed online at this time. 
Please call XXXX, XXXX at XXXX. 

After speaking with XXXX and creating an online account my information isnt available. My question is doesnt this means the open collection reported on my credit is inaccurate? 

12 CFR Appendix E to Part 1022 - Appendix E to Part XXXX Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies
Product: Credit card or prepaid card

On XX/XX/XXXX I applied online and was approved for the XXXX XXXX " XXXX XXXX  XXXX '' issued by Barclaycard US XXXX Barclays Bank, Delaware ), As you can see in the attached scan of a Barclaycard handout ( one of severaI collected on XXXX XXXX flights over the past months ), I was promised the first-year membership free. 

As directed, I entered the handwritten code on the card application website, so my flight attendant would get her reward for the sale. 

Yet, on my account ( also attached ) I was billed a {$99.00} first year membership fee, and on 3 separate calls to Barclaycard US the most recent on XX/XX/XXXX I was unable to get the fee reversed. 

Most astoundingly, the Barclays agents all insisted it was my fault. They told me I must have responded to an ad that did not feature the fee waiver. I understand that they recently had two sets of ads running -- one with and one without the fee waiver offer, which is a recipe for confusion -- but I am 100 % certain I used the offer on the attached ad, and followed instructions on the webpage indicated. 

Approximately XXXX year ago, my son had the same thing happen with him when obtaining a XXXX XXXX credit card. Unlike me, however, my son was able to get the fee reversed after several complaints to the bank. 

I believe this represents a pattern of promotional " errors '' at Barclaycard US, and I would hazard a guess that the majority of them are in the bank 's favor. CFPB should investigate as Barclaycard is in the midst of a marketing blitz promoting co-branded cards with XXXX, JetBlue, XXXX and other travel providers,
Product: Debt collection

Ascendium Education Group took over my student loans some time ago. I was not aware, but they have been accepting payments from me since XXXX and not reporting that information to the credit bureau. To make matters worse, I consolidated my loans with another servicer and they are now in good standing with that servicer but Ascendium has flat out refused to remove the negative information from my credit bureau report and it is costing me. They are reporting two loans in collections and charged off. Neither is true. They are actually falsifying information on my credit report. I want these two accounts removed from my credit report. I want the collection and charge off status removed because those are false statements. This has now become a housing crisis for me. The loan officer has suspended processing my application for a mortgage and I have to move by the end of XXXX as I already gave notice at my current home. I'm about to be homeless because of their falsified negative reporting.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. I have the right to privacy. 15 USC 1681 section 604 A section 2 it states a consumer reporting agency account can not furnish an account without written instructions. No consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more then seven years. ( XXXX XXXX ) And ( XXXX XXXX  )
Product: Debt collection

Two loans were taken out in my name for trips to XXXX that I didn't authorize. The trips are through XXXX and not in my name even though the loan with Affirm is in my name. 
XXXX says that the trips are non-refundable and Affirm is requiring me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete fraudulent collection, I have attached an FTC report with the collection
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against Lexus Nexus over preventing me from getting loans and credit. This year I requested a credit report from them and they refuse to give me a credit report. Lexus Nexus told me that they had information on my unemployment insurance case which I won all three cases. Unemployment insurance refuse to pay me my unemployment even though my boss testified and told them that he has no work for me. years later, I found out that XXXX workers was taken Unemployment insurance money.