23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Unfair Charges and Mismanagement by BrightWay Credit Card Details of My Complaint : On XX/XX/2024, I used my BrightWay credit card to rent an XXXX for a total of {$2200.00} ( {$1700.00} + {$440.00} ). On XX/XX/2024, I decided to cancel the reservation and contacted OneMain Financial to notify them that the XXXX provider would be refunding the amount to my account. OneMain Financial assured me that once the refund was processed, the overage amount would be mailed to me, and there would be no additional charges. 

Shortly after, I received an overage refund check for {$2000.00}. However, when I logged into my account to verify my balance, I noticed a charge of {$44.00} had been posted. I immediately contacted OneMain Financial to understand this charge, and I was informed that it was due to a " cash advance '' taken on my account. 

This explanation did not make sense to me because I had not requested or authorized a cash advance. Upon reviewing the BrightWay app on my phone, it indicated that cash advances can only be performed at an ATM using a PIN and selecting the cash advance option, which I never did. I raised my concern with BrightWay, and an employee assured me the issue was corrected, and the charge was removed. 

To my surprise, on XX/XX/2024, the exact same {$44.00} charge reappeared on my account. This recurring charge is causing me great concern, as it could result in overdraft fees or late payments when my other scheduled payments are processed. 

Why I Believe This Is Unfair : I did not authorize or initiate a cash advance. 
Despite assurances from BrightWay that the issue was resolved, the charge reappeared. 
The repeated posting of this charge, coupled with the lack of clear communication and accountability from BrightWay, suggests possible mismanagement or unfair practices. 
This situation has caused unnecessary stress, and I feel as though BrightWay is taking advantage of me by imposing unauthorized charges on my account. 

Requested Resolution : I am requesting a thorough investigation into this matter and for the {$44.00} charge to be permanently removed from my account. Additionally, I ask that BrightWay ensure no future unauthorized charges occur and take measures to improve their customer service and billing practices. 

I have attached pictures from XXXX that document the dates and details of these transactions as evidence for your review. 

Thank you for addressing this matter promptly. 

Sincerely,
Product: Credit card or prepaid card

Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/2018 accountnumber : XXXX Creditor 's Name : XXXX XXXX/XXXX  XXXX XXXX Type of Industry : Women 's Apparel Address : XXXX XXXX XXXX, XXXX , OH XXXX Amount Delinquent : XXXX Payment Status : Late 30 Days Creditor 's Preferred Contact Method : Other I was affected by Hurricane Florence and out of work from XX/XX/2018-XX/XX/2018.  I contacted XXXX  XXXX XXXX  and notified them and was told that I would be placed on the financial hardship program and that my account would not be reported as delinquent. This company has threatened me and advised that there wasn't anything that they could do to resolve this matter and this is not something I am happy with seeing that I have been a customer who always paid the account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last letter I send certified with tracking number XXXX in which the credit bureau responded back still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiry ( ies ) by Original Creditors on my Experian XXXX XXXX. Regarding the following inquiry ( ies ) 1XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX. 
I have also requested that they remove any and all of my personal information from Experian 's records.
Product: Student loan

My student loan payment is due today ( XX/XX/19 ) however both the website and phone number are down for scheduled maintenance making it impossible to make my student loan payment. I have tried emailing, XXXXXXXX XXXX, and calling and have gotten no reply.
Product: Credit reporting or other personal consumer reports

Subject : Verification of Debt, Dispute of Inaccurate Debt -Do Not Owe, and Reporting Against FCRA Guidelines After Validated as Accurate I am writing to formally dispute the debt listed on my account with Merchants Credit Guide account # XXXX, as I do not owe this amount and consider the information provided to be inaccurate. Under the Fair Medical Billing Act all billing is to be sent to the insurance within 6 months from the date of discharge. Also under the Fair Medical Billing Act it states the Medicaid patients are not to be billed for any remainder of a bill. This bill was never sent to Medicaid nor billed to myself within the proper time. My medical insurance was on file which is what the actual hospital billed. I didn't even know of this bill until I noticed it on my credit report as the collections account ( over 6 months ). FCRA 605 and FCRA 607. Under the Fair Medical Billing Act if the billing guidelines are not followed the patient is not the responsible party. It is the duty of the medical creditor to write off the bill. The patient is in no reason to be held liable for the bill. Also, Medicaid patients are not to be billed for a remainder of any bill. This bill has already been sent to Medicaid by Merchants Credit Guide and was refused by Medicaid due to failed to follow billing procedures.

This bill is also being inaccurately reported. It is being reported as a collections account that is open, past due, and the status update is being updated every month as a collection making these collections as recent collections within the last 30 days. This is severely hurting my credit score. 15 USC CODE 1681-2.

Please provide me with written verification of this debt ( itemized bill ), the date this was first billed to medicaid, the reason with date medicaid refused to pay, and detailed documentation supporting the claim that I owe this money, as required by the Fair Debt Collection Practices Act ( FDCPA ) and where under the FCRA the status being reported is correct. FCRA 611 and FCRA 605. 
Also, XXXX has already deleted this account for being inaccurate this should have been relayed to the other credit bureaus a Violation of FCRA 623. 
Please contact me at XXXX or XXXX if you need any further information regarding this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to complete the investigation in the allotted 30 days time, and respond to me promptly. 
I mailed them stating according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
1. This account is not mine XXXX XXXX XXXX # XXXX Please remove it from my credit report immediately. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report immediately. 

3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove immediately 4. No Late Payment XXXX  XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX Please remove it immediately. 

5. This account is not mine XXXX # XXXX Date of inquiry : XX/XX/XXXX Please remove it immediately. 

6. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove immediately 7. No late payment XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX Please remove it immediately. 

8. Victim of natural disaster/ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Please remove late payments immediately. 

9. Victim of natural disaster/XXXX In School defer XXXX XXXX # XXXX Date XXXX XXXX XX/XX/XXXX Please remove late payments immediately.
Product: Payday loan, title loan, or personal loan

ON XX/XX/XXXX I ORDERED A XXXX XXXX XXXXXXXX ITEM # XXXX AND A 24 MONTH XXXX SUBSCRIPTION TOTAL XXXX ITEM WAS LOST IN TRANSIT COULD NOT BE FOUND I CANCELLED THE ORDER I WAS GIVEN A CANCELLATION # XXXX NOW I AM GETTING BILLED FOR THE FULL AMOUNT I TRIED CALLING XXXX FINANCING WHICH IS TD BANK THEY TOLD ME TO MAKE MY PAYMENTS ON TIME TILL THEY CAN STRAIGHTED THIS OUT WHY SHOULD I MAKE PAYMENTS ON SOMETHING I NEVER RECEIVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTUM OD IDENITY THEFT
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX - XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bankruptcy # XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Debt collection

This company releases out SS # 's and dob without you giving them the information. They mask the telephone number with the description XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX XXXX XXXX XXXX card off on XXXX XXXX, 2017 and enclosed a letter stating to close the account. They cashed my check but did not report to Transunion and XXXX that the account was paid and closed. I filed a complaint with Transunion and XXXX. Transunion still shows that I have a balance, which is incorrect. I called Transunion and they said that XXXX did not report to them that the account was paid and closed. I called XXXX and they said they did report it. I WANT THIS ACCOUNT SHOWN AS PAID AND CLOSED ON MY CREDIT REPORTS. I HAVE BEEN WORKING ON THIS FOR TWO MONTHS AND NOTHING IS RESOLVED. I ALSO WANT THE {$7.00} THAT THEY OWE ME AND A PORTION OF THE YEARLY FEE OF {$89.00} THAT I PAID. THE ACCOUNT WAS OPEN LESS THAN 6 MONTHS, WHICH IS PROBABLY WHY THEY ARE NOT ACTING ON MY COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

44.8K
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

I borrowed {$1800.00} from CashNet USA and have repaid {$2000.00}. The company has received ALL of its loaned amount back plus some. The problem is it still plans to collect another {$1300.00} meaning it will get {$3300.00} for the {$1800.00} borrowed. This is outrageous!!! 

Given the current state of our world, I beseech Cash Net USA to settle my account with one more payment by me paid via check in the amount of {$500.00}.
Product: Credit card or prepaid card

On XX/XX/2019 I paid my citibank AAdvantage card {$6000.00}. 
On XX/XX/XXXX I made another payment in the amount of {$6000.00} incorrectly when I meant to pay off the remaining balance resulting in an overpayment. 
On XX/XX/XXXX I overpaid an additional {$9000.00} because I have XXXX citicards linked to XXXX account and made all 3 payments to the same card. 

After I made the first overpayment on XX/XX/XXXX payments I called my bank ( XXXX XXXX ) as soon as their customer service was open to issue a stop payment but it had already been processed. I called citicard right after to ask them to not accept the extra payment and they said that it wouldn't be a problem. 

On XX/XX/XXXX after my second overpayment I called Citibank again and asked for a refund of the overpaid balance to my checking account they said it wouldn't be a problem. 

On XX/XX/XXXX I called again because the refund hadn't been issued and this time they said they needed to check with their hold department to release the funds. 

XX/XX/XXXX, I called again for a followup but they said they needed to contact XXXX XXXX. At the time it was closed so they said they would call at a later time. 

On XX/XX/XXXX I called them and we had a XXXX person conversation that included XXXX XXXX, Citicard, and myself. They worked everything out and said the refund would be on the way. 

On XX/XX/XXXX citicard backtracked and said they needed to contact another department that held the funds to release it. I contacted the other department, they said they would release the funds. I contacted customer support again and they said everything was ok and the refund would be on its way by wire. 

On XX/XX/XXXX the funds had not arrived and I contacted them again. We had another conversation with Citicard, XXXX XXXX, and myself again. Citicard said they had to contact the hold department again. Also this time citicard representative asked personal questions unrelated to the 2 overpayment transactions. 

The credit card company has taken more than 2 weeks and has still not resolved my request for refund for overpayment.
Product: Credit card or prepaid card

Citi Opened account in my name which I never apply for. Made balance transfer {$5100.00} to XXXX account ( this account not belong to me ).
Product: Student loan

I have a XXXX ( XXXX ) loan with ( University XXXX, XXXX, XXXX ) outstanding with XXXX late payments from last year. ECSI told me to fill out a economic hardship application so there is proof of my XXXX last year during those XXXX late payments and they would clear those late payments reported with credit bureau. They accepted my application but the credit bureau is still reporting the XXXX late payments. I need those late payments cleared from my name please. I pay XXXX the amount due on this same loan every month now that my business is reporting income. I would appreciate a little help, especially from all the hard work I put in for a XXXX and the effort it takes to start a business from scratch.
Product: Checking or savings account

I am a Bank of America customer. I had two fraud claims on my checking account. It is under my debit card number XXXX XXXX XXXX XXXX. I was given a temporary credit because this was fraud. I noticed that last week BOA debited my checking account for these fraud charges. I called last Friday, XXXX XXXX, and was very upset because when they did this, it overdrew my bank account. I was told they did this because they tried to call me to ask a couple of questions and couldn't reach me. I Never received a message from the bank. The girl asked me the questions and said they would reopen the claims and straighten this out in my account by Monday, XX/XX/XXXX. Well, they reopened claims and left my bank account in the negative status. I was livid. I had creditors coming thru for payment and BOA was bouncing my checks. I then was charged by my creditors and BOA charged me {$35.00} for that. What a slap in the face!! I am a senior citizen and my health insurance payment hit. My retirement money went into that account and BOA bounced that. I have serious health issues and will sue them if this doesn't get straightened out right away. I have called BOA everyday trying to get this matter resolved. Now they are telling me they are going to keep my account overdrawn until they finish the claims process. This is outrageous and no way to treat a long time customer who had legitimate fraud issues on her account. I told BOA this morning that I was reporting them to you and I also threatened to close all my accounts if this matter isn't resolved right away. I have been lied to, kept on hold for over an hour at a time or more, and not given any help or hope for help. Now they have put my health in jeopardy by not paying my health insurance. They are the worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX;XXXX/XXXX XXXX;XXXX/XXXX XXXX XXXX XXXX XXXX;XXXX XXXX XXXX;XXXX/XXXX XXXX XXXX;XXXX XXXXXXXX;
Product: Debt collection

Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX 's showing a charge off of {$0.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX 's Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/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 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.