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

I made a dispute with my credit card company Bluebird American Express for which I have direct deposits linked and my own personal cash deposited, on XX/XX/XXXX in regards to several identical charges from 1 consumer unauthorized to charge my account. ( XX/XX/XXXX of which in the amount of {$100.00} was denied from same said consumer and flagged as suspicious from Bluebird American Express. ) XX/XX/XXXX charges were investigated and denied on XX/XX/XXXX for unknown reasons. And suddenly my whole account was suspended. I've just received my new card by mail and was never warned nor even given the chance to withdraw my available funds prior to the account closure without any explanation. I have not received notice of a check being mailed nor what might happen to any other funds made available to the account. I have attempted to contact bluebird customer service as well as their account protection services with endless ringing ( waited over 3 hours to connect to someone only for the phone to become quiet and disconnect the call completely ) there is no way to get ahold of any persons by email and I am in dire need of my funds to pay upcoming bills already strained due to this covid19 pandemic. At a time like this I can not believe that there is no remorse nor assistance towards helping this companies loyal customers. I've had an account with this company over 3 years with no issues or fraudulent activity to just be suspended due to improper investigation of a dispute clearly unauthorized if they had to flag my account for suspicious activity from the same company they authorized the smaller successful transactions multiple times. Please help a single mother of XXXX  in need of a voice against big bully companies taking advantage of their customers. Sincerely, XXXX XXXX
Product: Checking or savings account

I saw a chime advertisement that said they cash checks. After I gave them all my personal information and made an account I was informed that they do not cash checks unless I set up a direct deposit. 

I then called to complain and tell them that my account was created under false pretenses and I feel like I was defrauded. I then asked for my account to be deleted and all my personal information be deleted. 

They told me it was deleted, but I received a debit card in the mail... 

They still have my personal information, and I'm not sure if my account was even closed.
Product: Debt collection

Since  XXXX   XXXX ,  XXXX   XXXX   XXXX  has been reporting  XXXX  collection debts to my credit. My understanding is that  XXXX  relates to an old   XXXX   account P.R.A. purchased, and the other relates to an account originated with  XXXX   XXXX   XXXX .     I also understand that P.R.A. is allowed to report the account as a collection to the various consumer credit reporting agencies, if it meets certain criteria. Unfortunately for me, theyve decided to report each account to the credit reporting agencies  XXXX , utilizing different account numbers. For example, the  XXXX  account was reported by  Portfolio Recovery  to  XXXX  under account number "  XXXX  '' while  Portfolio Recovery  simultaneously reported it to  XXXX  and  XXXX   XXXX  with account numbers "  XXXX . '' The reports are identical, i.e., the amount shows as {$3100.00}, and the report indicates the delinquency date is from  XXXX   XXXX . The only difference is that  one  report was made utilizing "  XXXX  '' and the other reports with "  XXXX . '' This causes me a big problem because when creditors run combined reports, where data from  XXXX ,  XXXX  and  XXXX  are merged into a composite report, it causes the debt to report  XXXX , i.e. {$6300.00} shows instead of {$3100.00}. I have spoken to the various credit bureaus and each confirmed the reported account number showing on the report is exactly what P.R.A. reported to them.     I have made disputes multiple times, and each time P.R.A. apparently has verified its information as accurate and should remain reporting exactly as it is. As the differences are apparent even to a layman like myself, I can only assume Portfolio is intentionally reporting these accounts as multiples, and therefore inaccurately.     As of  XXXX   XXXX ,  XXXX ,  Portfolio  collections are still reporting single accounts with different account numbers from  one  bureau to another.
Product: Money transfer, virtual currency, or money service

No live person to speak with when you need to dispute a charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with ( XXXX XXXX, XXXX ) company under state farm which was originally issued on XX/XX/XXXX with interest rate of 6.19 %. I was paying with a monthly loan arrangement with no prepayment penalty agreement. Since the interest was high I went to online portal and I paid the whole balance that I see on the portal ( I will attach receipt below of {$10000.00} including interest ). The monthly payment was due on XXXX of XXXX & I paid this mentioned total balance including the whole principal and interest on XXXX XX/XX/XXXX & I thought I am done with it as usual and waiting for the loan to close. In XX/XX/XXXX the XXXX agent called me stating that I missed payment for XX/XX/XXXX, I told her I paid the whole balance. She checked & said their system didn't notify them she was not sure why? and she said she will fix the issue right away and she told me she saw the payment and she will report the issue to her supervisor too. I said okay hoping it will resolve and we hang up. Again another agent called me few days later in XXXX of XXXX stating that you missed payment, the loan didn't close because there was XXXX dollars of interest left to close but for me I didn't see anything on the system to pay, I paid 100 % what I saw infront of me. I said okay I will pay and make sure that loan close appropriately, she said okay and I paid on the same phone call with her. 

Few months later they reported to all three credit bureaus as a missed payments for months of XX/XX/XXXX and XX/XX/XXXX even though the loan completely closed. I called the company multiple times to dispute and discussed with the company. They keep saying that it happened they are sorry but it wasn't their mistake. 

They damaged my credit history report since because they were upset that they lost interest and they took revenge by damaging my credit report by reporting on me falsely for multiple missed payments because they have a power to report. Even though I paid correctly and followed the rules of agreement. 

For me their negative reports affected me so badly that I couldn't do any loans with banks for my business because of this company abusing my right false only because they can do so. Banks considered me a risky borrower, tried multiple times I have attached receipt on detail payment separately as follows. 

I believe there is a real Justice in America, I don't believe companies like this damaging innocent client credit history is correct since justice is equal for every body, they need to be stopped abusing human right and history by using their power to do so. 

I am looking for that justice to happen for me in here and I wanted this company to remove falsely reported negative credit history on me on all three credit bureaus right away and they need learn not to abuse human right by using their power.
Product: Debt collection

I lived at the XXXXXXXX XXXX XXXXXXXX XXXX between XXXX XXXX XX/XX/XXXX. 
The company claims I skipped out on my last months rent and did their walkthrough in XXXX, two weeks after the end of my lease. 
They claimed to have made attempts to contact myself and XXXX contact but no attempts were made. 
I emailed the office at XXXX on XX/XX/XXXX, giving my notice to vacate 60 days later on XX/XX/XXXX at the end of my lease. I have the screenshot and time stamp that proves my statement to be true. 
I was given no response. This was all in XXXX. 

This property The XXXX  XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX, Tx. And is managed by XXXX XXXX. 

Fast forward to XX/XX/XXXX, I receive a notification that a collection was opened in my name with the debt of $ XXXX from a XXXX party debt collection agency, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX alleges this account was opened XX/XX/XXXX. Almost 4 years after I moved out, XXXX XXXX sold a collection amount in my name to a 3rd party agency. 

I have reached out for a copy of my lease and move-out statement on two different occasions. Once back in XXXX, I called asking for a rental verification for myself and was rejected for reasons that can be disclosed by The XXXX XXXX XXXXXXXX XXXX. In XXXX, when I was working at XXXX XXXX, I called and sent over a verification for rental for myself from XXXX XXXX. They did not believe it was valid and chose not to respond. They claimed to have called XXXX XXXX  management to verify but had they called, they would have spoken to me. 

XXXX XXXX claims to have made attempts to collect this debt before selling it to a 3rd party agency but had they tried truly, they would have emailed the email ( my current email ) that I used when submitting my notice electronically ( I submitted a written one in person as well ). They would have also told me about it the times I called to speak about requesting a copy of my lease. 

They have refused to give me a copy of my lease for the last 3 years. Then after 3.5 years, they sell my account to a 3rd party collection and refuse to speak or communicate with me per their rules of engagement.
Product: Other financial service

I am XXXX, and in cleaning out my old financial papers, I found I had an unopened envelope from 2000 with an original uncashed check payable to me ( and my son as XXXX ) from Bank of America XXXX, XXXX, NY XXXX, Phone No. XXXX ( since then absorbed by the Bank of America/Merrill Lynch Company ), for {$1000.00} dated XX/XX/2000, and drawn on XXXX, with numbers on the check of XXXX and XXXX, check number XXXX. The check receipt says it is a " cash withdrawal '' and I also recall from numbers on it that it is for a dividend payment to me from a municipal bond interest payment, before those dividends were all transferred to me electronically, from a brokerage firm called XXXX., located in New Jersey where I had an account, and which is no longer in existence but used Bank of America for the financial clearing of its debts. The original address and phone number on the check is no longer valid so I took the stale check and envelope to a local Bank of America bank and asked for a current replacement check for my stale check. No one there, or the phone contacts they called, can tell me how to get a new exchange check for my stale check, as for example the State of Maryland did when I found an old stale refund check from the State of Maryland. Bank of America has had me call BOA customer service on XXXX and I have done so several times and spoken to representatives who take my information but do not call me back. Bank of America got this money in XX/XX/2000 to pay me, and the bank has had it and earned interest on it all this time that I misplaced this check. I want the cash that was deposited with them for me by XXXX., back in XX/XX/2000, but Bank of America or Merrill Lynch will not respond to my request about how to get a new check in exchange for this check that I lost by misplacing it. I can pdf a copy of the check, its payment data, and the envelope.
Product: Credit reporting, credit repair services, or other personal consumer reports

fictitious nomen and mailing location and accounts not associated with social security ever.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in correcting a late open status on my financial records. Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify and correct the status promptly. If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

I expect this letter to be taken seriously and I demand this fraudulent account be blocked and removed from my report as I have provided you with the required pieces of information.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Product: Checking or savings account

On Friday the XXXX  of XXXX I returned home from work and was receiving a tremendous number of verification codes on my phone when I was not using it. I realized my accounts were being hacked. I called my bank immediately when they were open at XXXX. I found them not be be helpful with the situation. I made continuous calls requesting assistance to secure my account. On Sunday the XXXX of XXXX I was on the phone with a representative who was trying to help me transfer the XXXX that I had in my saving account when he asked me if I had an XXXX account and I stated no. He said the hackers were in my account and were changing my E-mail and password. I started yelling can't you stope them and he said no. They he stated they were moving money around. Again completely dumbfounded that the bank rep was watching this without doing anything I was begging for him to stop them. Since my password was change my bank Chime a subsidiary of XXXX would not allow me any access to my funds. Infract they allowed the hackers to move XXXX out of my account and transfer it to XXXX without my authorization. because the hackers knew the password that change my account to and I did not. I had to send copies of me standing with my ID, SS card, prof of address to them and they still did not protect me account or allow me to pull my money out. They left me with no funds, sent back my direct deposit after I told them I needed them to let me have that money I am a single mother. I finally gave up and closed my account allowing another direct deposit to go back. They said they would expedite my check so I would have funds to feed my son. However as of todays date XX/XX/2021 they have not even processed the check. My back did not support me or protect me when the XXXX was rejected by fidelity the entire XXXX did not come back there is still money missing They are telling me there is only XXXX in my account I do not know where the rest of my funds went and Chime is not helping me. After further research since XX/XX/2021 it has been reported that Chime has had over 900 complaints regarding very similar situations. Not allowing people access to their money and holding their money. I also found out that Chime is no longer allowed to say Chime Bank. Please help and direct me to someone who can help me find my money and get it back in a timely fashion. I really need my funds to be returned to me. Thank you for your time Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Debt collection

Today, XX/XX/XXXX, I received a response from Bank of America Home Loans indicating that the letter I sent them last week should be going to Bank of America N.A.

The letter in question was sent to Bank of America N.A. 's attorney on XX/XX/XXXX ( via certified mail and returned receipt ) and I have yet to receive a response.
Product: Vehicle loan or lease

On XX/XX/2024 Toyota Financial Services ( XXXX ) took {$500.00} out of my bank account via XXXX. This was authorized by myself. On XX/XX/2024 the payment cleared my bank account and funds were sent to Tfs. On XX/XX/2024 Tfs claimed my payment was returned as failed, unpaid. My bank account showed it was processed without any issues. I called Tfs on XX/XX/2024 when I learned of this error, and explained that I had a receipt, and transaction report from bank showing payment. I was told I had to mail or fax proof of payment to Tfs misapplied payment dept. I did that and nothing changed. I contacted them again and they said I had to get a merchant report from my bank. Ive tried to get this merchant report, but Ive been told by several bankers, as well as my bank that a merchant report is for a merchant to look over their credit/debit card transactions by type, purchases, returns, fees, etc. Tfs doesnt take card payments, only XXXX. Ive had my bank so a dispute to investigate, and they found no errors on their part, and they provided me with the XXXX report from the federal reserve system showing all the account numbers, batch numbers, settlement date, amount, etc. It shows it cleared just as my bank said. I faxed that report to Tfs and they still havent fixed it. They wont even try to look into it until I produce a merchant report they said. Its been weeks now, Ive tried calling, faxing, multiple support tickets, the dealership has tried to advocate on my behalf, and I even desperately reached out to their XXXX page to try and find someone who could help me. They have not communicated anything to me besides them saying it failed, its a check truncation entry return error according to Tfs, and that I have to fax or mail a merchant report. They wont even attempt to look into their system to find the error. Theyve been sent the receipt, transaction list, bank statement, XXXX  report from federal reserve, and emails from bank employees verifying the payment cleared. Last year Tfs lost a XXXX XXXX dollar lawsuit where there were services added without permission, but the familiar part is that Tfs supposedly made it so incredibly difficult to reach someone who would fix the issues, that people couldnt get it taken care of. Thats how I feel right now. They have evidence the payment cleared, and they have to know there is a {$500.00} discrepancy somewhere in the accounts, but they are making it so difficult for me, it feels like they are hoping I give up. Hopefully this is not a scam and Im just a very unlucky individual, but Im begging for someone to help me.
Product: Payday loan, title loan, or personal loan

In XXXX of 2019 I took out a title loan from loan max in XXXX XXXX va to help my daughter with her mortgage. The original loan amount was {$710.00}. Since XXXX she has paid XXXX, today she called to inquire about a payoff expecting ot to be about half of the amount borrowed ( because XXXX has already been paid on the account ) and she was told that the payoff on XX/XX/XXXX would be {$890.00} which is greater than the original loan amount. I feel that this was an opportunistic loan that preyed on people in a tough spot. By the time we are finished paying this loan off for {$710.00}, we would have paid back over 3 times thay amount. How can this be legal? How can you pay on a loan for half of a year and the amount you owe is greater than the original amount?
Product: Credit card or prepaid card

These accounts listed on my FTC report i have no knowledge or recollection of these accounts. They are unauthorized and i demand they be deleted immediately according to the 15 USC 1681 LAW. where it states, ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Debt collection

I found out today due to a credit report that there is a debt collection on my account for retro fitness through XXXX XXXX XXXX in XXXX Nj. This is a gym membership that o asked to be canceled when the pandemic shut down all gums and havent returned since least XX/XX/2020. I attempted to call and advise them of my legal right and laws of the state and was told they can not help and I still owe the balance of {$260.00}. This is unacceptable behavior. First Credit Services- phone number XXXX. 

I need this debt to be removed out of my credit report and eliminated out.
Product: Debt collection

Last month I pulled my credit report because I am in the process of purchasing a house and I noticed that National Credit Systems ( XXXX XXXX ) reappeared on my reports in the amount of {$80.00}. I previously disputed this erroneous debt and it was removed from my reports. I have not received any kind of correspondence, calls or emails from this company. I have not idea who these people are and why they are trying to collect from me. I have faxed over a Debt validation letter as well as filed a previous complaint through CFPB and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan company name is Santander, I fill application belongs Infinity and then they ask me to bring 1, two years tax return 2, for three months bank statement, 3, my social security copy everything what they ask me I gave them still they dont accept, my score is around 710 and XXXX I like to ask question if you have over 700 score you dont need to collect personal information, that is the rule I know, please contact this office and get answer thanks a lot,
Product: Payday loan, title loan, or personal loan

I opened a single small loan with Moneylion. They took a credit reserve in my name for over {$1500.00} when my loan was for about {$800.00}, and I never received the full amount they took out in my name. Once I had it paid off, a secondary loan was taken out in my name. The company has repeatedly withdrawn money from my personal debit account even after Ive unlinked all of my banking information. Whenever I call to report this as fraudulent, their phone service hangs up on me.