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

On XX/XX/20 I attempted to transfer {$100.00} to my daughter. On the Pay an Individual screen a {$0.00} fee was disclosed along with a disclosure that funds would not be available for her until Friday XX/XX/20. 

When I searched for another option I saw that I could transfer funds from my Fifth Third checking account to my checking account at XXXX. As I DID NOT SEE any fees or delays disclosed I made a {$100.00} transfer from my Fifth Third checking account to my checking account at XXXX. 

Now, on Thursday XX/XX/20 I see that {$100.00} was taken out of my Fifth Third account yet NOTHING WAS TRANSFERRED TO MY XXXX ACCOUNT. 

It took over a half-hour on the phone with Fifth Third to speak with three of their representatives who have been trained to deal with Fifth Third 's deceptions and have no resolution. 

All three noted that there is a fine print disclosure hidden on the XXXX transfer screen and that they could not reverse the hidden {$3.00} fee or track down the missing {$100.00}. They all stated that while funds are " supposed to be credited within three days '' that " it could take longer. '' All three reps sounded scripted as though Fifth Third does this to its customers all day, every day. 

While I expected an immediate transfer, my funds did not even transfer " within three days. '' The transfer was made Tuesday and no funds were delivered on Tuesday, Wednesday or Thursday. Also, while I expected no fee, all three Fifth Third reps refused to refund the {$3.00} fee. This was the case event though it was disclosed to all three reps that had I known that the funds would be delayed for three days or longer and there would be a {$3.00} fee while experiencing this delay, I NEVER would have authorized the transfer. 

When the transfer did not go through on Tuesday I asked Fifth Third to stop it and the bank 's reps claimed that it could not be stopped.

Now, I'm our {$100.00} at Fifth Third and the {$100.00} that was expected at XXXX has not arrived even though it has been " three days. '' When today 's Fifth Third reps walked me through the website they showed me fine print which included font that is MUCH SMALLER than the rest of the font on the page and in a faint gray as opposed to the BOLD BLACK that other type is in on that very same page.

This may be seen in the attachment. Fifth Third should end this deception and list the unexpected delays and fees in large print and in bold. At the very least, the font should be consistent with the rest of the font on the same page. It is wrong to intentionally deceive customers with all but the best eyesight on a daily basis.
Product: Credit card or prepaid card

I have been trying for two months to pay my PayPal / Synchrony Bank credit card payment.

The moment the payment is a day late, they block access to the online account and force the consumer to call. I don't trust over-the-phone payment systems and don't need to tolerate verbal abuse by their billing agents.

This is not the first time this company has used this abusive billing practice to prevent customers from making their payments online and reviewing charges on their accounts. Last time I found several charges, but by the time I was able to access my account, it was too late to file a claim. This is not fair debt collection.

I've requested at leas

t two or three times a week via e-mail service that they unblock my access so I can pay my payment. I'm now about 40 days past due, which is going to impact my credit because they refuse to allow me access to make my payment. When I did call the number, it said there was no account associated with my phone number. Their systems do not recognize me, yet they call me several times daily and send text messages and emails daily, but their system claims no account exists. They're trying to force me to talk to their collections department on the phone and give my full social security number so they can locate my account, and I am not providing that information via the phone. This seems to be an unfair business practice when there is no way for me to make a payment. I have no checks, I've always paid bills online. I can not access statements or activities and have no way to know if any unauthorized charges have gone through. All my statements are in the online portal because I have paperless billing. Even though I have been struggling between jobs, this is the ONLY account I am behind on, which should tell you something. Their practices are preventing me from paying what I owe. If they want me to pay, they need to stop arbitrarily blocking access to my payment portal so I can actually submit a payment. I don't have a physical card for this account. I haven't used it in months and did not realize it had been lost, likely when I moved six months ago. I can't even send a cashier 's check to their billing address at this point, because I do not have the full account number. I've sent this request so many times via their e-mail customer service, yet they refuse to even acknowledge my messages or attempt to resolve the issue so they can collect payment. This should not be an impossible request, and they should not be able to ignore my countless requests to access my account online or in the app. Both m
ethods disallow access, claiming no account exists.

If no account exists, then I guess I do not owe them money.

If they want to be paid, they should allow customers to pay how they feel comfortable.

These kinds of punitive practices should be disallowed if they aren't already.

Fair debt collection is just that : Fair. This abuse of process is not fair.
Product: Credit reporting or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my names is XXXX XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX almost 5 years ago I applied for government housing finally after waiting that long I received my voucher when you receive your voucher you only have 60 days to find housing and if you dont theyll give you two extensions thats another 60 days well they giving me five extensions total so thats 210 days altogether and I still can not find housing and I did not understand why because Ive never been in trouble So I was a little confused till I got an email saying I got denied because my credit so I started looking into it and I saw my brothers name as far as I can look back XX/XX/2020 his name is on my credit report around eight months ago I contacted the credit bureau and told them the all them high inquiries are not me the lady basically said I had to jump through all these loops and holes come to find out it was really my brother now since I lost my housing voucher that I waited five years for me and my kids are homeless we have nowhere to go we are sleeping in my vehicle I do not know where to turn I lost everything because of this
Product: Credit reporting or other personal consumer reports

I sent certified mail on XXXX XXXX With a requst to remove a account, it was a removel letter and a FTC report they did not include on my file a copy of my driver license and ssn card. I talked to someone on XX/XX/year> at XXXX they said it was no FTC Report on file and then i ask about these comformation numbers : Confirmation number : XXXX XXXX Confirmation number : XXXX Submitted : XX/XX/year> Confirmation number : XXXX Submitted : XX/XX/year> they don ; t see them.I disputed the same account with XXXX and XXXX they fix the problem. I believe XXXX are acting in bad faith, and have not complied with the Fair Credit Reporting Act they hiding information that has been sent in. I have maintained careful records of there actions.
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. 
Portfolio Recovery Associates LLC Account # 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 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 with 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.
Product: Credit card or prepaid card

A requeat was made to change the billing date on the account, it was not done. The payments were set to autopay on the wrong date. The acount was closed to purcahses. The account went delinquent due to 2 billing errors processing on the wrong date. A request was made to ammend the problem caused by this issue caused by their company. They refused to assist.
Product: Debt collection

This debt was paid by medicaid from XXXX hospital and XXXX, i dont have any balance due with them, and also they said that this debt is from XX/XX/1991 in that year i was in the university in XXXX and i never live during that years in usa. I dont have any medical bill from XXXX because i was cover as a XXXX back on XX/XX/1991 in XXXX. I call the collection agency and they dont want to give me information about the debt.They told me that was from XXXX hospital and XXXX i call the hospitals they told me i dont have any bill past due and they dont sent nothing to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of inaccurate inquiries and fraudulent accounts from my credit report, which are hindering my ability to access credit. I kindly ask that you take immediate action to resolve this issue within XXXX business days. 

The following inquiries are not associated with any active accounts that I have authorized : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you promptly investigate these matters and take necessary action to remove the inaccurate inquiries and fraudulent accounts from my credit report. Kindly provide written confirmation of the actions taken and inform me of any further steps or documentation required from my end. 

I appreciate your urgent attention to this matter and your adherence to the Fair Credit Reporting Act ( FCRA ). I am prepared to take legal action if necessary to protect my rights. 

Thank you for your immediate assistance in resolving this issue. I look forward to a timely resolution and the removal of the inaccurate information from my credit report. 

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

My information was compromised along with millions of others in Equifax 's mishandling of security, during a cyber attack which was announced on XXXX XXXX, 2017 and took place in XX/XX/XXXX through XXXX of 2017.
Product: Checking or savings account

On XX/XX/XXXX, my partner went to deposit cash into my account at a Bank of America ATM because I needed to pay my mortgage. The ATM machine did not return my card and presented a message saying that I had to go to a Bank of America office in person to request a new card. The next day, XX/XX/XXXX I see that two transactions, one of {$800.00} and another one of {$950.00} were charged to my card at a XXXX grocery store near the ATM machine that did not return my card. I immediately go to the bank and they tell me to file a dispute and block my card. I do this and Im told to wait about 10 days for a decision. Then I see my Bank of America mortgage account has late fees applied because it wasnt paid. I did not have the money since the money had been stolen therefore I went in person once again to Bank of America to have the late fees removed and after a full day at the office they were able to remove them and I managed to make the payment. The employees told me that based of the evidence of the ATM machine not returning my card I should have the money returned because I needed it to pay for my mortgage. On XX/XX/XXXX I receive a letter stating that my dispute was denied. I have a photo of the ATM message stating that my card could not be returned to me therefore it was not in my possession because the ATM machine did not return it, therefore I did not have the card to make those two transactions at a XXXX grocery store. I have also filed a police report to further investigate and prove that I did not authorize these two transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

XX/XX/2023 Experian Information Solutions Inc . 


I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name XXXX XXXX XXXX XXXX  All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, There are multiple Soft Inquiries that are NOT AUTHORIZED :
Product: Credit reporting or other personal consumer reports

Experian has Conducted Sham Investigations on My Experian Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I have informed Experian many of times that the entries below are erroneous and fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frivolous Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Experian has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Experian has harmed, bullied, and harassed me by violating the : Investigation of Disputed Information ( 15 U.S.C. 1681i ) ; Duty to Delete or Correct Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : If the disputed information can not be verified or is found to be inaccurate, you must promptly delete or correct it. 
Prohibition on Reinsertions ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) : Information that has been previously deleted as a result of a dispute can not be reinserted into the consumers report unless certain stringent requirements are met. Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline ; Notification of Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Upon completion of the investigation, you are required to provide me with a detailed written explanation of your findings and a copy of my updated credit report. 
Based on the CFPBs recent lawsuit against Experian for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand Experian to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I AM HONESTLY BEING XXXX HARASSED.
Product: Credit reporting or other personal consumer reports

The company that I am filing the complaint is called " XXXX ''. There is a XXXX account on my Transunion report that I was not aware of or heard of. I am a victim of fraud identity/thief. They or someone have used my information and applied for a line of credit. I have never heard of this company before and have never applied for a line of credit with this company. I need to report this as a fraud/scammers company and have it removed from my credit report immediately as it is affecting my credit score.
Product: Debt collection

At six minutes past XXXX on a SATURDAY morning I was awakened from a sound sleep by my phone ringing. I was so soundly asleep that I did not wake up in time to answer, but because I was severely annoyed that whoever this was has called and woken me up that I called the number back a few moments later, they identified themselves as " Portfolio Recovery Associates ''. This is not the first time that they have called me before XXXX so I advised the person who answered the phone AGAIN that I live in California and that calling me before XXXX violates the federal Fair Debt Collection Act as well as California state law. The woman was unresponsive an unapologetic, so I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am human. I did not consent or authorize accounts attached. I need this to be deleted as soon as possible.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. FTC has been notified and attached. 

Accounts : XXXX Account XXXX : XXXX
Product: Debt collection

This collection company has the wrong number. I've requested SCS to remove my  number from their system. Today is Saturday XX/XX/18 and SCS is still actively calling my cell phone. This people are calling me on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two open collections on my credit report are from a company Ive never done business with. Ive never signed any documentation with these companies nor have I ever been in contract with these companies before. These account were charged off by the original companies a few years ago, to my husband loosing employment because of COVID. I have written several cease and desist letters to Midland Credit Management and XXXX XXXX XXXX explaining this to no avail. So I am questing your assistance in this matter, please!