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

This problem is with a Discover credit card. I received a statement on XX/XX/2020 that WAS DUE ON XX/XX/2020 ( 4 days after the payment due date ). While this is not a problem for me since it is set for automatic payment it is well past the date that it is required to arrive. This may be the result of an error by Discover or a delay due to the U.S. postal service. I can, however, see this late delivery being a serious problem for several XXXX ( or possibly several XXXX ) people that would be charged late payment fees and additional interest for their particular credit cards. I am unsure if any part of the government can help prevent this problem from happening to others but certainly all credit card issuers should be appraised of this situation and urged to waive any additional fees and interest when this happens to others.
Product: Credit reporting

While checking my personal credit report, I noticed an Employer listed as XXXX on Equifax credit report. I have never been employed by this company. I am requesting that Equifax immediately remove the unknown name of the Employer listed on my credit report immediately. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.
Product: Debt collection

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

Please provide the following : 1 Agreement with your client that grants you the authority to collect on this alleged debt. 

2 Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3 Any insurance claims been made by any creditor regarding this account. 

4 Any Judgments obtained by any creditor regarding this account.

5 Name and address of alleged creditor.

6 Name on file of alleged debtor.

7 Alleged account number.

8 Address on file for alleged debtor.

9 Amount of alleged debt.

10 Date this alleged debt became payable.

11 Date of original charge off or delinquency.

12 Verification that this debt was assigned or sold to collector.

13 Complete accounting of alleged debt.

14 Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$1400.00} XXXX  XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX  XXXX Balance : {$2000.00XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX  XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX  XXXX XXXX  and XXXX XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2 a consumer reporting agency can not furnish your account without my written instructions
Product: Checking or savings account

I AM FILING A COMPLAINT ABOUT BANK OF AMERICA. 
Someone stole my ATM card without me knowing when, XXXX XXXX, XXXX they proceeded to use my card on line and then at an ATM withdrew over XXXX in XXXX XXXX I was told taken out of my account I have never taken large amounts of money out of my account, and I asked them to review the video of the thief and they would not let see the video to see if I recognized the criminal. I. I went to file police report when they told me I need it to open a case. I was at Bank of America on numerous occasion trying to get my money. They closed the case and kept {$1900.00} my checking and savings money. how can that be right? I am a hard working woman, not a crook or criminal, I have no reason to be treated this way. It has been 3 months with no answers yet. Then they had the nerve to tell me they closed the case could n't pay my bills, lost my apartment, and on the verge of losing my car. On top of that I am have an XXXX XXXX, because I was treated unfairly. I went to the police department again to complain about the bank and they threatened to put me in jail if I came back. What kind of people do this I need a resource to help me get my money back from crooked Bank of America, who said its not their fault. Well I did not commit a crime they did. This is case # XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Charged interest and had optional services added to my account as a requirement for the loans that I received from OneMain Financial. I no longer had this long as I have paid it off already and it is now closed.
Product: Debt collection

XXXX XXXX was the original owner of this collection which showed up on my credit report 2 months ago as being opened in 2011. This is not my account. I filed a police report and provided XXXX and XXXX XXXX a copy. XXXX XXXX removed it from my XXXX account a week ago, sold the collection to Enhance Recovery and as of 2 days ago, started reporting under XXXX. I am assuming as soon as they remove it from XXXX, they will report it to XXXX. They are playing games knowing this was an identity theft and a police report has been provided.
Product: Credit card or prepaid card

i having trouble using my card im days away from being XXXX  and recently just got over symtoms of XXXX  i can barley use card without them restricting it this is the 3rd time ive tryed to resolve this with them they told me to transfer my money to other bank and when i tryed they placed a hold on my account again im tired of this
Product: Credit reporting

Transunion fails to remove the XXXX XXXX XXXX account.Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted to contact you regarding these fraudulent accounts on my credit report however the response I have been getting hasn't been up to par. I understand that the pandemic has been tough and I appreciate your help in this matter. These accounts have been hurting my report and need to be removed immediately.
Product: Credit card

My card was stolen, I reported it to the credit card company and paid the purchased I made. The card company was supposed to issue a new card to me and never did. I later found out they sold the debt to a collection agency, and have been collecting payments from me after they sold the debt. They never issue a new card to me but are attempting to collect money from me by a third party. This card company collected money from me and had sold the debt while collecting money from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my account because i attempted to pay it online repeatedly and they kept kicking me off the site because of technical issues. I attempted to make my payment by using my phone but couldn't get thru.. By the time i had time to make the payment the payment was late even. They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Product: Credit card or prepaid card

I was forced to get a USBank debit card for my XXXX  money even after I signed up for direct deposit. I 1st noticed a charge for more money than my purchase on XX/XX/2020 that was for {$21.00}, my text alert said the purchase went thru for {$26.00}. The 2nd one was XX/XX/2020 where the charge was for {$80.00} and the text alert said {$96.00}. I tried several times to call US Bank Reliacard and wait times were too long and call kept getting disconnected every time I call. I even tried calling at XXXX and STILL couldn't get anybody to talk to. I had this debit card before and NEVER got text alerts saying the amount taken was more than the original transaction. A {$16.00} added amount is ridiculous!!! I didn't want this card in the first place and now I have to deal with extreme added charges coming from the unemployment money I had to wait almost 12 weeks for? I overlooked the {$12.00} expediting fee to get my card even though they didn't do what they were supposed to get it out to me in a timely matter. 

I don't want to use this card anymore knowing that added fees will be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to Experian and XXXX on XX/XX/XXXX. My current Experian credit file is showing a XXXX Account # XXXX as a 1 ) Negative payment status, 2 ) Charge Off for XX/XX/XXXX, 3 ) Worst Delinquency as a Charge Off, and 4 ) Late payments since XXXX. 

After speaking with the IRS, they define a charge off as ORDINARY AND TAXABLE INCOME which is reported as such on tax returns. ANY amount over {$600.00} they are required to send a 1099c. INCOME IS NOT REPORTED ON CONSUMER REPORTS. And according to Responsibilities of furnishers of information to consumer reporting agencies, 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. Also from Experian 's publication on XX/XX/XXXX, they STATE loud and clear that INCOME IS NOT INCLUDED in a consumer report. XXXX and Experian has failed to resolve this issue and continue to report inaccurately in clear violation. Because of reporting inaccurately, this account should be removed from my credit report entirely. 

The status of this account should not be negative or a debt anywhere on the account, or a late payment. Instead, THE STATUS OF THIS ACCOUNT IS INCOME. Which is not included on a consumer report and should be removed immediately. I am attaching the letter sent with certified mail receipt.
Product: Credit card

I closed my Macy 's credit card account in XXXX. I haven't received any mail or email from Macy 's after closing the account. On XX/XX/XXXX I received " my new Macy 's credit card '' in the mail. I did not request this. I called the phone number on the card and waited 40 minutes for an agent. I explained that I was reporting what appeared to be fraud since it was a closed account and I did not request a new card. The agent said they could not help unless I gave them the last four of my SSN. I already read the account number and my name from the card ; they provided no other way to review the account. My request was that it be reported as fraudulent and closed. They would not comply, but told me to verify the number on the back of the card ( XXXX ) was Macy 's via XXXX. A quick XXXX XXXX  for " Macy 's credit card customer service '' brought back numbers that didn't match. The call ended because I was not giving out personal information for a account I cancelled over 7 years ago. I believe it was likely Macy 's because they only wanted the last 4 digits of SSN, which is why I am reporting that Macy 's suddenly opened a closed account and provided a new card unexpectedly and without permission. I've been at the same address since the account was opened, which is why I received it.
Product: Credit card

On XXXX XXXX, 2015, I made XXXX purchases through Pay Pal. I have made many purchases using Pay Pal in the past, and have always had my debit card selected as the default payment. The XXXX purchase I made on XXXX XXXX, for {$100.00}, utilized my debit card as the payment method. When I made the XXXX purchase, for {$45.00}, I believed that my debit card was also selected as the payment method. The next day, I received an email informing me that the {$45.00} purchase had actually been designated to open a PayPal credit account. I did NOT select PayPal Credit during this purchase, and I was very confused about why PayPal would set their Credit service as the default payment option without my permission. I called PayPal immediately that day and spoke with customer service to express my frustration that I had effectively been tricked into opening a credit line with them. I asked that I be allowed to pay my balance immediately, and that the credit line be closed. My budget is extremely tight, and I needed to make this important purchase while I still had the funds in my account. I was told by the Supervisor that there was no way to make the payment and close the account immediately because the payment had not posted from the Vendor to my PayPal credit account. They informed me that if I wanted to make the payment immediately, I would need to contact the vendor. The vendor was a professional contact that I was not willing to involve in my financial matters, so I was left with no option but to let the credit line remain open and hope that I would have enough money to pay the balance when it finally posted to the account. I was confused, frustrated, stressed, and upset, and at the time I did not know that I had any recourse. I read on the news last night that many other consumers had experienced the same issue with PayPal, and that the Credit Protection Bureau was fining PayPal for this deceitful credit practice. I immediately decided to submit my complaint as well, in hopes of adding the voice of XXXX more consumer that was tricked into opening a PayPal credit line against my will and without my knowledge. I have attached the PayPal credit statement, which indicates the date of the purchases and the methods of payment used. I will also attach a portion of my bank statement that shows where I paid the balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I filed a dispute with Venmo after having a {$50.00} fraudulent transaction appear in my Venmo account. The dispute was resolved but my account was frozen. To unfreeze it, I was asked to change my password and re-submit a copy of my Driver 's license, which I did. It's been more than 6 months and my account is still frozen.
Product: Payday loan

I have multiple loan services sending me emails and and phone calls that I never received money for. They also have my social security number, that I never gave them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Vehicle loan or lease

XX/XX/year> : We have private property signs on both sides of the house where the vehicle was captured. Before the vehicle was repossessed, I sent multiple documents stating the right to rescind this contract. 15 U.S.C. 1635, and Regulation Z. If I didnt do the right to cancel the contract was because of the dealership, Santander etc. I have the documents with the certificated and priority numbers added to the paper. I sent to XXXX XXXX and to Santander Consumer USA, XXXX XXXX XXXX. XXXX Tx, XXXX. I didnt receive the 1099c after they wrote the vehicle off as a bad debt. Whos in the wrong? Show me also that you didnt write the vehicle off and you re able to still collect. I also gave them a down payment of XXXX. I sent the right to rescind to XXXX XXXX XXXX, Florida.
Product: Credit card

This is a follow-up to complaint XXXX and XXXX because my complaint keeps getting closed without resolution. AMEX admittedly receiving my application for an opportunity to receive XXXX Membership Rewards points after {$10000.00} or more earn in eligible purchases are made on the Card within the first 3 months of XXXX XXXX. Yes. I was solicited with the AMEX XXXX card and when I proceeded mid-way through the first application I notice there were no signs of a sign up bonus. I exited the application right away without submission. Later I found a link for XXXX Membership Rewards points after {$10000.00} or more earn in eligible purchases and I completed that application. AMEX deceptively denied the application with the sign up bonus and took the information from my second application to approved the first application without any sign up bonus. The denial reason for the second application was that there was an active application outstanding. This is completely unreasonable. I never completed the application without the sign-up bonus yet they were able to take the information I completed with the second link with the sign up bonus and use it to complete the first application ( that was incomplete ) without a sign up bonus. The repetitive finger pointing at the consumer when their software system is set up to manipulate the facts is just disgusting. If I was approved for the same card anyway why wouldnt I receive the same bonus points? AMEX even provided proof I saw this bonus points advertising and I intend to take it. This faulty system appears to just be a way for AMEX to not pay what was promised to the consumer and deal in bad faith. It isnt right for the CFPB to allow bad faith, deceptive advertising and operational failure. AMEX is with certainty violating Unfair Deceptive Advertising regulation.
Product: Credit card or prepaid card

Good afternoon, I applied for the Truist " XXXX '' credit card back on XX/XX/XXXX at www.truist.com. 
I was approved for the card but haven't been able to use it, every time I try to use the card, they tell me the card is declined. I check my credit card account on the Truist website and I keep getting the message " This account is currently unavailable for use. If you have questions or need assistance, please call XXXX from XXXX am to XXXX pm XXXX, XXXX and from XXXX am to XXXX pm XXXX, Sat. '' This message has been there since I created the login on the website and it is the same phone number on the back of my card. 
I called Truist on XX/XX/XXXX regarding this issue of not being able to use the credit card and the representative I spoke with said someone would call me back since the person in charge was gone for the day. No one called me back. I must say that the hold time to reach someone at this company is insane, every time over an hour. I called back on XX/XX/XXXX and a representative said that someone will give me a call, the same thing I was told back on XX/XX/XXXX. I never got a callback, so I called again on XX/XX/XXXX, this time I asked the representative to provide me with the name of the person who would be calling me back. She said the person was XXXX XXXX, but she was in a meeting at the moment. I never got the callback either, so I called back today, XX/XX/XXXX, this time I asked to speak with a manager but they told me one was not available and I asked who would be calling me back, the representative said XXXX XXXX will be calling me back. Since I am tired of wasting my precious time on wait time every time I call, and tired of not getting nowhere with this " company ''. Please have them fix whatever issue they have so I can use the card, and since when I applied for the card this had a promotional 0 % APR for 15 months on purchases and balance transfers with no annual fee. I would like for them to extend the promotional offer for 3 months after the original 15 months expire, since I have not been able to use the card due to their incompetence as a " company ''. Horrible customer service. They pulled my credit, approved me for the card, and haven't been able to use it. I am attaching a copy of the message I get on their website.
Product: Credit reporting or other personal consumer reports

I have requested that FactorTrust provide me with a credit report and to freeze my report with their company. This request was sent on XX/XX/2023. On XX/XX/2023 I received a letter from the company stating that they found no record of a consumer matching my social security number and could not provide a report or freeze my information. I called their customer service number that day and was told to resubmit my information requesting that an account be created and frozen. A second letter was sent on XX/XX/2023 again requesting my credit report and that it be frozen. I sent requested documentation of SS #, Driver 's License # and a current utility bill. On XX/XX/2023 I received a letter from FactorTrust saying once again they had no record on file for me, and did not create an account or freeze as I had requested and been directed to do by their own customer service representative. I am sending a third letter today, XX/XX/2023 trying to request this a third time. Under the FCRA am I not entitled to have this been done? I am at a loss as to what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019I refinanced my home taking some equity out to pay down and reduce my debt ratio. The first equity I had taken and having paid on my house 16 years. The Settlement Company sent Bank of America a check for two account to pay off balances after10 days the check was lost and unable to locate. I called their processing center speaking with supervisor to request a formal inquiry. Also in the interim, the settlement company voided the check and overnighted a new check to the address provided by supervisor. I had not planned on closing these account knowing this would impact my credit. Once the second check was credited Bank of America sent me a letter closing both account. I had never been late or missed payment on either of these accounts, it seemed they were trying to impact my credit by closing these accounts. I called and made inquiry and was told it was their decision to make and there was nothing I could do to change the decision. If the accounts were closed due to poor payments or late payments I would understand, which was not the case the balances were paid off and not listed that way on my credit report. Paying down balance should have improved my credit, but because Bank of America reported an unfair report, it has impacted my score.