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

Submitted receipt for XXXX XXXX for XXXX, denied because information such as name of provider, amount paid, service was not included on receipt. Spoke with customer service who told me to submit the information missing even though it was it was there. Escalated to manager XXXX who first didnt open the receipt and said I needed one, then he said information was missing, then I pointed to each required piece of information that was there, he confirmed that it was there but the system was telling him it isnt, hung up on me. Tried to submit claim for XXXX XXXX XXXX XX/XX/year> received error, tried to submit claim for XXXX for XXXX XXXX, received error. Called XX/XX/year> XXXX spoke with XXXX resubmitted different ways via different computers, browsers, etc. not able to able to get my money. I sent email with screenshot to XXXX, first they told me that the attachment with all screenshots didnt open, then they said pictures from work email didn't open, changed emails to person and changed computers, changed the way the screenshots were included via picture, embedded or and word, they said I have to go online and submit the claim when the website isnt working. Said they would call and didnt have an answer.
Product: Credit card or prepaid card

I have been a longtime customer of Bluebird Prepaid Card owned by American Express since 2016. I have experienced problems in the past year but until then never had any issues with them. I used them as a way to take advantage of getting my paycheck early and after my paycheck was deposited, I would withdraw it and put it into my bank. Being I do not feel safe using my bank issued debit card, whenever I wanted to shop online, I would transfer the money over to my bluebird card to use it to shop. Tonight, I had done the same thing, I added funds to my account and I started using my bluebird account for XXXX so whenever I wanted to take an XXXX, I would add funds to my bluebird account. However, this time, it kept saying there was some sort of error and I kept trying to add the funds in my account. I then get a message saying my account is suspended due to violating the community guidelines. I never broke any guidelines, all I did was added funds to my card which never seemed to be an issue in the past 5 years that I had this card. 

Thinking this was a mistake, I called customer service and they blocked my number saying my account was suspended and to refer to my email. I check my email and they said in order to find out what happened to my account, I need to write in to them via mail. That to me is really shady, they won't answer my calls, I've been hung up on and no one is telling me how I can get my money. MY PAYCHECK gets deposited on that account that was 'suspended '!!!!!! 

I refuse to write into this company that I've given so many chances this past year and ended up screwing me over. I want my money, the full amount and I know how much is in there to be sent to me ASAP, I don't want to write in to get my hard earned money. 

This happened to me around XXXX, it is now XXXX in the morning and Bluebird has caused me nothing but anxiety not knowing how I was going to pay my bills this week or buy food for my household. have heard from other customers who experienced the same thing that they refuse to give back money and I am not going to allow that to happen to me. 

This company has gone downhill and is nothing but a bunch of thieves. I heard this happened to other people, I ignored it thinking it won't happen and it did. Within a day my livelihood was put on hold because of Bluebird suspending me with no explanation and has blocked my phone number.
Product: Debt collection

Received letter statin g that Pinnacle Credit Services ( letter is fro m  XXXX   XXXX   )  has purchased a referenced account from another creditor. The original creditor is listed as  XXXX   XXXX  Bank, then  XXXX   XXXX , then Pinnacle. The Account balance says {$2500.00} but we can settle for {$1200.00} within 45 days. This is not my account or I do n't know what they are talking abou t. Letter also states that since the debt is so old that they can not sue me or report me to a credit agency. Unless I notify them within 30 days to pay the debt it will they will obtain verification of the debt or obta in a copy of a judgement and mail me a copy. Still, no idea what they are talking about and have had no past dealings with   XXXX    XXXX  other than a recent credit card I have that has never been late. No past collections, no past contact about this issue. I looked online and found a lot of scam information from this company and phone number. When I tried to call  XXXX  I can not reach anyone at all and the message just repeats itself over and over again.
Product: Credit reporting or other personal consumer reports

Why Im still receiving emails for the bureaus saying Im helping by credit repair companies which is definitely NOT TRUE. I'm the one who send out the letters. Please make an action now! or i will sue you. Heres the list of inaccurate accounts and inquiries I want to remove. 

XXXX : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXX TransUnion : XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX  Account Number : XXXX {$25000.00} XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I 've received another email from Discover Card in my XXXX email, past emails from Discover Card were unautherized deletions. I do n't and have n't ever had a Discover Card nor any accounts through Discover Card Bank. 
From : Discover Card XXXX To : You XXXX Date : XX/XX/XXXX XXXX XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX XXXX XXXX XXXX I had a bank account with them, it seems as though the company sold or changed name and is now called XXXX XXXX XXXX, well they have a account that they placed on my credit report, the problem is that I did not know that they report checking accounts ... but let me explain I had a tax check from the mother of my child that went into my account, the irs deposit the money in my account ... we started to use the money in the account to make transactions, when we went inside the branch to make a withdrawal the teller profiled is racially and decided to bring up the company policies, Im not saying that it was not the companies policies but they only said something because it was a lot of money and how can two young XXXX Americans come up with this money neglecting the fact that I have a account with them and they know by application that I was at my job for numerous years.. they took back the money right there and then and returned it to the irs, now because we had pending transactions that did not clear yet a chain reaction occurred now each item overdrafts the account and it was many transactions that was pending.. I called the customer services they assured me that they would reverse the fees due to the fact that its not my fault and they were the ones that took the money away that would have covered the pending transactions ... they never kept their word and promise the account was overdrawn like {$710.00}, then it somehow got to {$810.00} and they threw it on my credit ... now this company acted in bad faith doing what they did my account was in great standing up until they did that, and they promised me so they should have filled through with the promise to remove the fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : DEPT OF EDXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX has violated my rights. Section 611 of the FCRA ( 15 U.S.C 1681i ) section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Section 623 ( a ) ( 4 ) Section 607 B of FRCA. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Transunion has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, TransUnion must provide me with a copy of the original contract signed by and obligating me to this debt. If TransUnion can not provide such proof of debt validity, the account must be deleted form my report. TransUnion has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance. 

Account Status XXXX # XXXX Not Validated XXXX XXXX # XXXX Not Validated XXXX  XXXX XXXX XXXX XXXX Not Validated XXXX XXXX XXXX XXXX # XXXX Not Validated XXXX XXXX XXXX # XXXX Not Validated XXXX/XXXX XXXX # XXXX Not Validated
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The purpose of the complaint is to report unauthorized activity on my credit report. A named Called " XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX performed an excessive amount of " Hard Inquiries '' on my Transunion Credit Report without my approval and without my knowledge. 

These inquires are causing financial distress by preventing me from acquiring deserved credit. I have contacted Transunion to have these items removed with no success. 

XXXX to XX/XX/2022 ; XXXX XXXX listed over XXXX XXXX Inquiries on my credit report. 
XXXX and XXXX : XXXX and XXXXXXXX XXXX XXXX : XXXX and XXXX XXXX
Product: Credit card or prepaid card

Through my credit report monitoring I became aware on XX/XX/21 that Barclay Bank, the provider of the XXXX XXXX credit card, had charged an annual fee of {$190.00}. I was never provided a statement via mail nor a notification via email that they had charged my card this fee. My address and email are up to date with Barclay Bank and I have not used the card in quite some time so I do not log in regularly to check for charges that I have not made. 

Upon review of my credit report I immediately made the payment on XX/XX/21. I reached out to the credit card company informing them that I had not received a statement via mail nor a notification via email. Their canned response was " we are required to report delinquencies to the credit bureau ''. They had no explanation as to why they had charged my card the annual fee yet never issued a bill or notification via mail or email and did not take further action. 

In my 40 year credit history I have never missed nor been late on any payments and I respectfully request that this inappropriate charge resulting in a delinquency
Product: Credit reporting or other personal consumer reports

ISSUE Improper use of your report In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Inaccurate Information on my credit report, 15 U.S CODE 1681s-2 A person shall not
Product: Debt collection

Honor Finance calls me everyday to collect my daughter 's debt and I am willing to communicate with them. My daughter agreed and asked for something in writing. After this they continue to call but are changing their mind regarding the agreement. My daughter will not communicate with people because of her XXXX and they were willing to talk to me before. Now they are saying they spoke with her ( untrue ) and are telling me they know my name and where I live. To me this sounds like threats.
Product: Debt collection

A third party placed 2 medical debt on my credit report. one for {$5.00} and one for {$95.00} XXXX. I have medical insurance through my job. I also thought it was illegal to place medical debt on credit reports. I asked how did they get their balance without knowing what i was seen for and i asked what date was i seen and they said they didnt have that information so therefore it shouldnt be on my credit report as accurate because without knowng my service how do you really know this is what i owe, I also told them that knowing my balance is also 3rd party and i didnt sign anything giving someone authority to release my information about the balance or anything. This little {$5.00} that the credit agency allowed them to place on my credit report prevented me from getting a mortgage and its not right to destroy someone creditbility for {$5.00} and {$95.00}. Medical is against hippa to be on a credit report to hold someone in bondage.
Product: Debt collection

I was never notified of derogatory debt that has been inserted in my credit profile. I have reached out to the company " XXXX  XXXX that has reported this debt with no response for a resolution. Experian continues to report unverified/validated account into my credit profile.
Product: Credit reporting

I applied for no credit in XXXX Fl. I have n't been in XXXX and surely did not shop at XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 
Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The paymentS reported as late were made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

On my report there are addresses, accounts, and social security numbers that do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX Has inaccuracies. Incorrect. Information in experian reporting bureau which .pass due XXXX days XXXX ... .and in XXXX XXXX  XXXX XXXX ...!!!!!! this inaccuracies reporting...
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX  for incorrectly reporting late payments on my credit report. These late payments are inaccurate and unfairly damaging my credit score. 
I previously disputed these late payments with XXXX, and the response states " Dispute resolved by grantor, '' but the negative marks remain. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX  is required to report only accurate information. The late payments they reported are : The account is now closed and fully paid, meaning late payments should not be impacting my score anymore.
Product: Checking or savings account

XXXX XXXX my XXXX XXXX deposited funds into my bank account and told me they would be ready in XXXX business days at my bank. All of the other students in my class received their funds as well already and I am the only one to not receive the funds. I called the bank SunTrust, everyday and e-mailed them and even contacted Headquarters to tell them that I was being denied the availability of my deposited funds. They never responded and every time I called customer service they kept asking how much it was and where it was coming from and they kept refusing to give me this information intentionally. It is the 6th day and the funds have not shown in my account and my school keeps confirming that it has been sent.
Product: Credit reporting or other personal consumer reports

I have had a XXXX point increase on both XXXX XXXX XXXX, due to nearly XXXX XXXXXXXX XXXX  of old debt falling off my credit report. My XXXX  report went up by XXXX points. My XXXX report went up by XXXX points. My equifax report did not go up, It appears that the report from Equifax is not updating monthly, nor in a timely status. 
These companies are doing consumers a great injustice, and harm to their lives by incorrect data and lack of reporting status. I dont know how they can be counted on to report real numbers, and this is not the first, nor second, time.
Product: Credit reporting or other personal consumer reports

Delate my inquiries of my credit XXXX XXXX  ( FINANCE ) XXXX XXXX 2024 XXXX XXXX XXXX XXXX ( FINANCE ) XXXX -- XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX CREDIT ( FINANCE ) XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX VIA DEALER ( FINANCE ) XXXX XXXX XXXX ( BANK XXXX XXXX XXXX XXXX  XXXX ( AUTO ) XXXX XXXX  XXXX ( FIANANCE ) XXXX XXXX  XXXX ( BANK ) XXXX XXXX ( BANK ) XXXXXXXX XXXX XXXX  XXXX ( BANK ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX BANK ) XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/21 I requested a new debit card after attempted fraud transactions on my old debit card. On XX/XX/21 I contacted the bank and advised I still had not received my debit card and needed access to the funds in my account. I was told I could not access new funds and that I could request a new expedited card for a {$15.00} fee. It's unfair to deny access to funds and then charge a fee to expedite their own process I lost my job because I couldn't access funds I needed to get to and from work
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS -- XXXX has committed several federal violations against me, a Private law abiding Federally Protected Consumer. they have Violated 15 USC 1692c
Product: Credit reporting or other personal consumer reports

It has been over 4 business days and XXXX, Experian, and XXXX continue to willfully not comply with section 605b. I am not requesting the blocks and deletions of these accounts in error. There is no material misrepresentation and I have not benefited from these open accounts. I have originally created this dispute to multiple addresses being on my report and my belief that my information was being misused and shared. This has lead to multiple unrecognized accounts that I am requesting to be blocked and deleted. Please stop this behavior that is damaging my personal life as a consumer.