23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I signed up online with XXXX approving me {$2600.00} ( borrow & grow plan like a savings account ) which at that time XXXX deposited only {$1000.00} into my XXXX XXXX Checking Acct and I agreed to pay {$140.00} each month until the {$1000.00} was paid in full but the remainder of {$1600.00} was never deposited, it was treated as a grow plan savings account until it was paid in full then released when paid in full continuing paying the monthly payments of {$140.00}. Then on XX/XX/XXXX, my XXXX acct # XXXX was transferred to SST to which I have no knowledge of this company. They attempted to take a payment from XXXX XXXX XXXX Acct of {$140.00} on XX/XX/XXXX which caused a double NSF charges of {$36.00} and I had to dispute this charge and later in the days, the payment of {$140.00} was put back into my XXXX XXXX Checking Acct including the double NSF charges of {$36.00}. SST then sent me a message that they will attempt to take another payment of {$140.00} on XX/XX/XXXX and this is when I decided to write SST a Letter Of Cancellation on XX/XX/XXXX. This cancellation was effective XX/XX/XXXX and SST just will not comply to my cancellation letter. I have paid the {$1000.00} in full and the remainder of {$1600.00} which is a grow plan savings acct I am no longer interested in because I am facing a full financial hardship. I had to enroll to a consolidation company for all of my credit cards that I could not afford due to my full financial hardship saving me from filing bankruptcy. I have filed a complaint with the XXXX XXXX XXXX regarding SST and still SST just will not comply to my cancellation letter dated XX/XX/XXXX... XXXX.Please Help!!!
Product: Debt collection

Municipal Collection Services, LLC. has contacted me in writing and by telephone many times attempting to force me to pay a debt that is not mine. I notified them that I am not XXXX XXXX ; I did not reside at XXXX XXXX XXXX, XXXX, XXXX in XXXX ; nor did I own or lease a XXXX with the plate number on record. The debt is for a red light camera ticket for {$200.00} from XX/XX/2014 in XXXX, XXXX. I havent been to XXXX in 30 years.The ticket number is XXXX. The account number is XXXX. The representative, XXXX, stated that it is my responsibility to prove that this ticket is not mine and instructed me to go to the Indiana XXXX for documentation. I thought the debt collection agency must accurately document and provide proof of the debt. XXXX asked if I knew a XXXX with a similar last name. I need help in dealing with this matter because someone in XXXX, Illinois stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. 
secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Inaccurate information on my credit report on accounts i have, some in good standings and others wrong amount reported. 
XXXX, XXXX XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here.
Product: Credit card or prepaid card

On XX/XX/XXXX my Discover card was charged a large amount of money at a jewelry shop in XXXX MA. I have contacted Discover multiple times to have this issue resolved. They continue to not give me a reason for why they will not remove the fraudulent charge. They have stated to me that they had signature and picture evidence that my ID was used at the point of purchase but they have not provided any proof whatsoever. Discover has also continued to harass me with collection calls and emails on a balance that was not my own. Discover has " investigated '' multiple times but has failed to give me a valid reason as to why this was not a fraudulent charge. I have sent them proof showing that I was not there around the time that the purchase happened. The location where the purchase was made is about a two hour drive from where I live. I very rarely travel to XXXX and I never make purchases of that amount. Discover should have verified the transaction with me before it was authorized as it is well outside my typical purchasing area or transaction type. This is my final attempt to have this resolved with discover. My next action will simply be to get a lawyer.
Product: Debt collection

I purchased a rug from Wayfair XX/XX/year>. On XX/XX/year> a Wayfair employee named XXXX XXXX emails me stating she is back charging me {$95.00}. 
I contacted Wayfair after receiving the rug to return it in XXXX, well within the 30 day return window per their policy. They offered me the {$95.00} discount to keep the rug rather than them paying the return shipping costs. I accepted the 25 % discount for the slightly damaged rug to keep it. I would have exchanged the rug for one not ruined had they not offered the discount to keep it. Now I cant return it almost a year later and XXXX will not stop emailing me in an effort to collect that offered discount. I have called multiple Wayfair representatives who all agree with me and also stated they have never seen this type of behavior. I asked for her supervisor or someone to call me and was emailed a decline.
Product: Debt collection

Today I called Midland Funding, LLC that is the collection agency handling my XXXX Credit card account which I apparently owe {$1400.00}. This amount reflects on my credit report. I called to offer a settlement of 50 % of my debt and submit a payment today. I called Midland Funding 3 times today and was on hold for over an hour and transferred more than 3 times to different departments. I spoke with a XXXX XXXX and she gave me the number XXXX ext XXXX and told me to call them to make payments. I called twice and left 2 voicemails and nobody called me back. I called midland 's  main phone XXXX and was then directed to XXXX XXXX and stated I needed to make a payment today because I am in XXXX and I will not be available due to duty requirements and I need to make a settlement payment today. He put me on hold for over 30 mins and then I was transferred to another department where I waited on line again for an extended amount of time. Someone eventually answered and told me that I would have to call back in a couple of hours or someone will contact me. XXXX XXXX called me back and said that he had been discussing my account with the Liasion and management and then the soonest they could get back with me was in 7 days and if I was in XXXX   then I would have to call them back at my availability to make payment. I tried several attempts to make payments today to settle my account and I also talked with a Supervisor but no one was able to accept my payment and then ultimately said they would have to contact me in 7 days but not offering any explanation as to why. I did let them know I was an XXXX XXXX XXXXXXXX that was currently in XXXX.
Product: Debt collection

On XXXX XXXX XXXX I logged into my XXXX account and noticed my points had gone down XXXX points. As I investigated the matter It showed me a collections accounts was opened on XX/XX/scrub>XXXX XXXX XXXX The original creditor is XXXX XXXX XXXX. The balance is {$300.00} on a 24 monthly payment plan to AMSHER COLLECTION SERVICES. The contact info on the account is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I DO NOT RECOGNIZE ANY OF THE INFORMATION LISTED. From noticing this I immediately got on the phone with XXXX, and was advised by a Fraud Specialist ( XXXX ) to file a report with ftc.gov. Upon filing upload the report to XXXX website and wait for the dispute to be settled. Whomever reads this have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 3 disputes to TransUnion regarding late payments on my report that are not accurate. I submitted letters via certified USPS mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Each letter requested them to investigate, and my statement was : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Following each letter TransUnion responded with an updated credit report, with each account status listing : We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. 

Each of the 3 letters was responded to in a way that they failed to provide how they verified information as accurate, through what agency or company, or any statements or proof from whoever verified the information. 

My dispute letters are attached.
Product: Debt collection

On XX/XX/18, XXXX XXXX, a claims agent with XXXX sent a letter to the owner of the company I work for demanding I pay a debt that I have not validated. He disclosed the balance and gave me 7 days to pay a debt or they would send me to collections or refer my case for commencement of litigation in court an that they would advise their client to pursue legal action against me ( see attached email ). I called them and advised them that they can not send this type of information to my employer. " XXXX '' never gave me his title or last name, told me they can and that they have not violated FCRA. They claim I gave them my email. I assure you I did no such thing. My email is similar to the owner 's email and I have gone to great efforts to avoid my emails going to him or his to me, my email does not involve my last name. XXXX took a chance that the email they used was mine ( based on first and last name and the company 's standard ending ) but instead sent this threatening Information to the owner of the company that I work for. I fear they will continue this practice and ask that they properly learn that this practice is a FCRA violation and that I am compensated for the embarrassment suffered due to their actions. They had my correct address, why did they not mail me the letter. The email was a direct attempt to cause me embarrassment or employment loss. 

XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Direct XXXX Fax - XXXX ( See Attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, EQUIFAX, XXXX AND XXXX, are all guilty of willful intent to harm my credit file by not reporting the correct balance owed since XXXX when it was nearly $ 4k, however, since XXXX it was {$0.00} and yet my file was not updated after XXXX when it should have been regularly updated as is par the course with all of my accounts receiving regular monthly electronic updates. I made several attempts to correct the false information causing harm to my credit report directly with the concerned parties who all said I should wait and put the blame on the other entity, i.e. the creditor XXXX XXXX blamed the credit bureaus who blamed XXXX with each saying the other party has 30 - 60 days to update my file which could potentially result in my having to wait 60 - 120 days for my balance to be updated when such is supposed to be correctly reported every month! This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

On XX/XX/XXXX I was notified by the Veterans Affair US Treasury Dept. that a direct deposit of {$110000.00} was sent to my XXXX Netspend XXXX checking account. The deposit did not post. I have called Netspend by phone everyday. I have emailed them also.In addition to my emails, I forwarded the email from the Veterans Affair government office on Friday, XX/XX/XXXX to Netspend as additional documentation per their request. On Saturday, XX/XX/XXXX Netspend responded with an email to me claiming that the documents sent were " illegible and insufficient. '' " Kindly refer to the information below regarding the documents we need to verify your pending direct deposit. 
There is a pending direct deposit on your account ; however, the amount of the deposit exceeds the maximum value of your card account which is {$15000.00}. Therefore, this deposit requires additional review and may be declined. '' On Monday, XX/XX/XXXX I emailed Netspend again and requested that they post the money to my account and to contact me if there is a problem. Unfortunately, as of XX/XX/XXXX Netspend continues to hold my deposit hostage and keeps giving me the run around as to why the funds have yet to be released. Whenever I ask to speak to a manager, I am kept on hold for over an hour. Moreover, they refuse to give any corporate contact information by stating " they are not allowed to give that information out. '' My frustration level and XXXX XXXX is dangerously high. I have XXXX and other health problems that require a caretaker. My caretaker needs to be paid and I can't do it, because Netspend will not release my money. How dare they treat and disrespect a XXXX veteran like this? I have complied with everything they have asked of me in order to release the pending deposit. This is not the first time Netspend has done this to me regarding a large deposit from the VA. They made me jump through hoops once before and I believe they are demonstrating racism and discriminating against me. I submitted valid and legitimate documents i.e., copy of social security card, drivers license and they still won't release the money. At the onset of this problem with Netspend I called the VA 's office and we had a conference call with Netspend. They made no attempt to resolve the problem even with the VA representative. Needless to say, countless complaints have been filed against Netspend with the XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX regarding their actions in violation of the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX, acting as a debt collector, is attempting to collect a debt they claim I owe to XXXX XXXX XXXX under their name. However, I want to make it abundantly clear that I have no active accounts open with XXXX XXXX XXXX, nor have I provided consent for the disclosure of my personal information to them or any third-party entities. The actions of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have XXXX  violated several provisions of the FCRA, including 15 U.S.C. 1681a ( 3 ) and 15 U.S.C. 1681b. Specifically, they have posted false information to credit reporting sites, resulting in inaccurate collection reporting on my credit report. I want to emphasize that I have never engaged in any business dealings or solicited services from XXXX XXXX XXXX XXXX. Their attempts to collect a debt that I do not owe have caused significant distress and inconvenience.
Product: Credit card or prepaid card

I received a letter on XX/XX/2019 congratulating me on my new line of credit with PayPal credit. I did not authorize, open, or request this line of credit. 

Upon investigation, I discovered that a line of credit in my name, with all my details, had been opened with Synchrony Bank under the guide of PayPal Credit. They put a hard inquiry on my credit reports to issue this line of credit, and my overall credit score was lowered as a result. 

An agent I spoke to in the ( arduous ) process of closing this unauthorized account let me know that PayPal has " upgraded '' some user accounts to this new credit line. Why, I don't know. All Synchrony can tell me is that the request came from PayPal, they can't differentiate between user triggered and " upgrades '' requested by PayPal. 

I contacted PayPal and inquired if this is what they had done and was met with a lot of obfuscation. First, I was directed to PayPal Credit. I explained ( repeatedly ) to XXXX XXXX, the agent, that I had spoken to them and that the information I needed would have to come from PayPal. I explained this several times. It was like I was not speaking. He continued to give me information about PayPal Credit and how to contact them regardless of how many times I told him that was not what I needed. 

I asked to escalate the chat and he said that he would but everyone would say the same thing because they're calibrated. He then said I would have to call PayPal Customer Service, that this wasn't possible to discuss on chat. 

So to sum up, a line of credit in my name was opened without my authorization, is the sole instance of fraud on my credit report, damaged my overall credit score by issuing a hard inquiry that I did not approve, took over an hour to close the fraudulent account speaking with multiple agents at Synchrony Bank ( who all gave me different " definite '' information ), and then when I inquired with PayPal directly to see if they had authorized this, which they fairly clearly did, PayPal fell conveniently deaf and/or off the record. 

Synchrony Bank didn't get my name out of thin air. PayPal is " upgrading '' customer accounts unasked and damaging their credit in the process in a misguided, illegal attempt to promote their new line of credit regardless of the cost to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX XXXX and XXXX have not changed my credit score. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified account is still reporting on my credit report which is a clear violation of federal law. I sent a letter and and there is no response yet. Credit Bureaus failed to comply with the relevant companies listed below. I am sending this complaint to seek for your assistance to help me remove the concerned account for it was found inaccurate and unauthorized. 

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

In XX/XX/XXXX I filed chapter XXXX bankruptcy. My accounts filed were mainly medical bills, my XXXX XXXX XXXX and some other miscellaneous debts. As I was going through the bankruptcy process, I was awaiting my XX/XX/XXXX to be surrendered as I searched for a new vehicle. Before my bankruptcy was discharged I was able to purchase a new vehicle. XXXX XXXX XXXX. I have been paying a car note of $XXXX since then (XX/XX/XXXX) to current. While trying to do a trade XX/XX/XXXX at XXXX XXXX I was told that my XXXX XXXX XXXX was filed in bankruptcy. I then denied that information and the sales person stated that none of my payments were reported to the national credit Bureau. I then contacted the bankruptcy office XX/XX/XXXX and that information of my current vehicle was not found. I then contacted XXXX XXXX XXXX On XX/XX/XXXX and they denied not reporting my payments but they are not listed on my credit report. I can provide visuals of my credit report stating this account being in a chapter XXXX bankruptcy that was screenshot from my cell however, I can also provide eligible documents at a later date.
Product: Bank account or service

I signed up for a Citigold personal checking account with Citibank , NA, pursuant to a promotion offering XXXX XXXX XXXX Advantage miles contingent on meeting certain requirements after opening the account. The Citi promotion code was XXXX. On XXXX XXXX, 2016, I sought to confirm with Citi, in writing, that the promotional offer was linked to my count. On XXXX XXXX, I received a response from XXXX XXXX XXXX stating that Citi confirmed my account was enrolled in the promotional offer. The communication went on to list out my progress toward completing the requirements ( XXXX out of XXXX were completed at the time ), and contained an affirmative statement that the Aadvantage miles would be credited to my account following my completion of the last requirement. On XXXX XXXX, 2016, via secure message, I again contacted Citi to inform them that I had completed the last of my requirements, and sought to know when I should expect the miles to be credited to my account. The Citigold representative ( XXXX XXXX XXXX ) responded on XXXX XXXX, 2016, in writing, stating that I had indeed completed all requirements associated with the aforementioned promotion code, and that, per the terms and conditions of the offer, I would receive the miles 90 days from the end of the statement cycle in which the requirements were completed. The Representative further stated that the miles would be credited to my Aadvantage account by XXXX/XXXX/2016. I accepted this as true, and after waiting over three months and still having not received the miles, I again contacted Citigold via secure message on XXXX/XXXX/2016 to inquire about the miles that should have posted. I received a reply ( from a XXXX XXXX ) the following day stating that Citibank now deems me ineligible for the offer, because, they contend, that this was a " targeted promotion to which ( I was ) not a participant. '' The Citi representative went on to state that though I met the requirements, this does not render me eligible for the promotion ( which is in direct conflict with what the other Citi representative told me three months ago ). Citi 's sudden reversal of position after confirming my eligibility and going so far as to tell me a specific date when to expect the promo miles to transfer to my account is a reprehensible act. They held out an offer to induce my business, I accepted, and even went out of my way to confirm that their records indicated that I had met the terms of the offer, and received such confirmation, only to be told three months later that Citi has now decided not to honor their offer. This is a classic bait-and-switch tactic. If I were truly ineligible for the promotion ( which I dispute ), I should have been told the same by XXXX of the XXXX different Citi representative that I proactively sought confirmation from in XXXX, 2016. If XXXX out of XXXX Citi representatives are n't able to tell whether I 'm eligible for a promotion, then how can I be reasonably expected to know? Citi should stand by its representations and honor the deal. The written correspondence is attached and is offered as evidence.
Product: Prepaid card

I currently live in XXXX North Carolina and was recently displaced due to XXXX  XXXX. XXXX has deposited disaster assistance funds into my chime account on XX/XX/year>. Since I received a new phone, chime needed to validate my identity which I promptly did. After regaining access to my chime account. I no longer had access to my virtual card number while my physical card comes in the mail. I'm going on a week of not being able to access any funds and after being logged into the account for a few days, chime suddenly restricts my account and placed a hold on it. I have since validated my identity multiple times to get their restriction lifted and they say the system isn't satisfied with my validation. I can and will provide any sort of document to prove I am who I am.