23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The XXXX XXXX credit card uses Comenity Bank. I tried to use my card and wasn't able to. So I called them... I was given 3 different stories.. One person said I owed {$260.00} since a purchase back in XXXX of XXXX. The next person told me that when I paid my balance I still had another {$1.00} of interest that started XXXX of XXXX. - he took some money off but sent me to a supervisor.. She told me I enrolled myself to receive email statement back to XXXX. I don't believe this is correct. She said they sent letters and called many times.. This isn't true.. I never received anything in the mail or any phone calls.. The first person I talked to told me they took my phone number off the account and then added it back on. So how did they call me many times if the number wasn't on the account? 
After checking my bank I had proof that the balance was XXXX and I had proof that I paid it in full. The end result was my balance was {$120.00} due XX/XX/XXXX. I paid this balance on XX/XX/XXXX. They then said that I had an additional amount of interest of {$1.00}. That {$1.00} turned into {$260.00}, They allowed me to pay {$100.00} and settle the account. However the second person said it would have to be {$180.00} I told her but the other person told me it could be {$100.00}. It seemed as though they just kept changing it to get the most money out of me, why couldn't I pay the {$1.00} .... It just isn't right to charge interest when the balance was paid in full early.
Product: Checking or savings account

I opened a savings account for my XXXX year old with TD Bank in XXXX in XXXX. Ever since the account has been opened, I have not received a single communication from TD. I called in XX/XX/XXXX to inquire about the account and they told me it was inactive and that in order to activate it, I have to process a transaction. I went in and made a deposit. I asked for a statement and they were not able to give me one. They instructed me to sign up for online banking. I tried signing up for online access but their site would not accept my credentials. I tried few times after to no avail. I called them in XX/XX/XXXX and requested either an ATM card or a bank statement so I can have some sort of record. The rep informed me after verifying my identity for 15 minutes that she can't release any information since the account is now inactive. I asked to speak to a supervisor and she would not put me through to one. I finally asked her to mail or email an inactivity notice and she also refused saying that she could not do that for an inactive account. After arguing with her for some time, she finally agreed to send the notice. She verified my information again and said that I should receive the notice in 10 days. It's been a month and I have not received anything, and I have no access to my funds.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX truck through a dealership, XXXX XXXX, in XXXX Montana. The Dealership, at the time, used US Bank for their financing, so the loan was through US bank. I received a letter from XXXX that I had paid off the vehicle in XXXX. I am attempting to sell the vehicle ( have a buyer since XX/XX/XXXX ). In XX/XX/XXXX, I contacted US bank to ask for a lien release letter since the vehicle title says they have a lien on it. I was told it could take 15 days to process + the time in the mail and it would be mailed to me. US bank website says to inquire if it is not received after 3 weeks. After 3 weeks, when I had not received it, I called customer service and was told by staff that it had been mailed out on XX/XX/XXXX. I have the mail app through US postal service, where I can see a photo of the mail delivered to my address each day. No documents from US Bank have been delivered. After another couple weeks, I called customer service and spoke with " XXXX '' who initially told me there was no record of the loan, but was then able to locate it. She says she spoke with her supervisor who noted that I was " just at the beginning of the period when I might be receiving it ''. She also told me that because of the amount of the time that had passed, she was sending a second copy and " putting a rush on it ''. Today ( 18 days after the last contact ) I again called customer service. I spoke with an agent, who then transferred me to her supervisor, after first telling me that her supervisor " wouldn't be able to do anything about it either ''. The supervisor was unable to tell me the location of the document supposedly mailed on the XXXXXXXX of XXXX because there was no way to track it. She said there is no way to provide an e-mail copy of the letter, which is all XXXX requests to for the title. She said she assumes they sent me a letter previously and either it was lost in the mail or I lost it. She said there is no way to track whether or not one was sent in XXXX. So, apparently 2 of the loan satisfaction letters have been lost in the mail sinde XXXX? She said I must start the process all over, and it will be XX/XX/XXXX ( date provided by bank ) before I can call to receive a tracking number, since I provided my personal XXXX account number for tracking purposes. I am XXXX XXXX XXXX and retired. I have already purchased another vehicle. Not being able to complete the sale of this vehicle because I can't get a payoff letter from US bank has created a financial hardship. Once I paid off the loan, no one at US bank seems to be accountable for satisfying their end of the deal, so I can get a clear title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters over and over asking the credit reporting agencies to verify or provide documentation his account ( XXXX XXXX XXXX XXXX/charge-off ) belong to me and i have not received anything. This letter is a formal request to bring my credit report in COMPLIANCE with XXXX data standards. I know that the credit reporting agencies are fully aware that credit reporting laws ensure that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the credit reporting agencies disclose to me all of the documents they have recorded and retained in their file at the time of this request concerning the accounts that you are reporting in my credit report. If the credit reporting agencies do not have any documentation in their files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.
Product: Credit reporting or other personal consumer reports

I recently received a copy if my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a house for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Payday loan, title loan, personal loan, or advance loan

Currently, I am unemployed and facing XXXX XXXX I have an Involuntary Credit insurance for the loan XXXX XXXX XXXX. I submitted the paperwork to XXXX XXXX to begin paying the loan as of my last day of work XX/XX/XXXX. I spoke with corporate customer service about credit insurance, being unemployed and the to end the draft from my account. 

I received a letter dated XX/XX/XXXX stating a refund of {$800.00} was due. Once receiving the refund, the check was for {$600.00}. No explanation was provided for the lesser amount. And, OneMain continues to draft my account for loan payments even though I requested a halt on the draft. My accounts are overdrawn due to the continued drafting of my accounts. 

This company is difficult to work with and provides poor service after the loan process. I would like the full amount of {$800.00} refunded. I would like compensation for the overdraft fees caused by the continued drafting of my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Credit card or prepaid card

I received notice about 2 months ago that the name on my account with Chime does not match IRS records. The IRS has my maiden name, but my legal name ( on my ID ) is my married name. They said they were sending me something to fill out and send back. It took several weeks to arrive, and I filled it out and returned it the next business day after I received it. All it said was that if I didn't send it back by XX/XX/XXXX, my account would be subject to withholding. 

A few days ago, I got an email that my XXXX XXXX account was closed. So I tried to log into my account and my entire account was closed. So I immediately emailed their customer service. It took several days, but they responded and told me to send them a copy of my marriage license by email and they would reopen my account within 5 business days. So I sent it to them immediately. 

Another several days went by and they just emailed me again saying they need me to send in the W2, which I already have. Now my direct deposit is not going to go through, because they didn't reopen my account like they promised they would. 

I have already proven my identity, and that my legal name IS the same one on my account, but they are asking me to change the name on my account to the one the IRS has, but that is no longer my name! If I change the name on my account, they will no longer cash checks made to my legal name. I know this, because my stimulus check was issued to my maiden name and Chime refused to cash it because it wasn't in the name that's on my account. I do not want to fraudulently use a name that is not my legal name, as they are asking me to do. 

I also tried to call them earlier. Their system detected my phone number and said, " We see your account has been closed. Please email our 24/7 support. '' But I've already done that and they are taking DAYS to respond each time. At this rate, it will be months before anything is resolved. And they're insisting the name on my account NOT be my LEGAL name!
Product: Credit card or prepaid card

Us bank Reliacard has over {$6000.00} of my money locked due to " fraud '', though I've only used the card to withdraw money for rent. Every time I call they tell me to submit a copy of my ID and a selfie, which I've done 4 times now, and every time they tell me my account is still locked and to try again. This time they asked me for a copy of my social security card, which I will not do as it seems fishy. The customer service reps have not helped at all, often telling me to go to websites that don't work to submit information. I need this money to pay for rent and for upcoming prenatal appointments as I'm two months pregnant. They're holding my money hostage and having me run on a wild goose chase to get money back that I 200 % believe that they stole and have no intention of giving it back.
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 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX at XXXX i reached out to GLS to ask why my current balance went from my normal payment amount of {$570.00} to almost {$3500.00}. the customer service agent stated that because my account has matured, all the extensions i received over the term have combined into one lump sum causing my total balance to show past due and due immediately. i explained that i did not have the funds and what my options were. CSR said that as long as i made consistent payments every 30 days i would be ok. i asked if i was subject to repossession and they again confirmed that with payments made consistently i should be fine. i asked how long i had to pay off that balance and CRS stated 120 days. I followed the instructions and made payments every 30 days, XX/XX/XXXX {$800.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$600.00}. 
on XX/XX/XXXX my vehicle was repossessed for 60 days non-payment. i called GLS and paid {$2000.00} to have my vehicle released back to me. I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX to pick up my vehicle. 
on XX/XX/XXXX XXXX I reached out to GLS asking for remaining balance and proof of payment to release my title ( which GLS has yet to respond or provide ) and the CSR stated that due to my vehicle being repossessed they would not be able to handle my request and i would need to be transferred to the recovery department. i explained that i was in possession of my vehicle and the CSR did not realize that i'd recovered it. He emailed me a report showing all payments made to date and stated they would update my account. 
on XX/XX/XXXX i received an alert from my credit monitoring that GLS had reported my account delinquent and derogatory with a status of Repossession. 
On XX/XX/XXXX at XXXX i called GLS to pay the reported delinquent amount of {$380.00} and request account to be updated with correct information. CSR stated that the account would be updated by XX/XX/XXXX. it was not updated. 
on XX/XX/XXXX i submitted a dispute with XXXX, XXXX and XXXX. The results completed show that GLS is stating the account information is ACCURATE.

This incorrect information is postponing approval on purchases, a hardship to my financial wellbeing, undue stress and affecting my mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking advantage of due to malpractice while several laws were being broken under the fcr by your company.This has caused me financial injury defamation of character, I cant apply forr jobs and i cant apply for credit i cant even get a sba loan or any thing like that due to the pandemic under this crisis you have hurt my ability to obtain credit.My children and i are suffereing, and my family have made a mockeryand my community has looked down upon me .I refuse to convert back to my old ways that cost me years in prison for breaking laws just like your company has done.I am ashamed of the things i am going through and it is a nightmare for me and my loved ones.I have turned a new leaf transitioning into society to do the right thing just to be violated by company career criminals that have taking advantage of me at my lowest poinjt.I am beyond fed up and i am willing to take this issue to the furthest exent of the law if a remedy is not presented under the federal law and uniform commercial code.
Product: Checking or savings account

On XX/XX/2024, Claim Number XXXX, XXXX Were opened due to Fraudulent transactions that had occurred on the BMO Checking account that they opened due to identity fraud. Previously BMO did not sent any statements for the account, and stated that they sent these statements by E-Statement, Which I never received. Nor did I enroll in Estatements. BMO Charged me a paper statement fee as well, I did not get the XXXX - XXXX Statement until XX/XX/2024. At the time of receiving the first statement in the mail I reported Fraudulent transactions listed below. Thus why these claims were opened. Instead of resolving the Claim BMO Called me to interrogate me. Telling me they saw another transaction to XXXX and XXXX XXXX. Which is not related to my claim. I advised BMO my phone was stolen at the time of the transaction. I advised that the only transactions I was reported is to a XXXX XXXX ( XXXX Transfers ) Which I did not authorize. However, They continued the interrogation on the phone telling me that XXXX XXXX XXXX  was used to fund the account and why was this used for funding. Again this has nothing to do with my claim. The agent XXXX XXXX was very hostile on the phone and very dissrespectful. Originally XXXX stated they closed my claim because it is past XXXX  days since the day of the statement however they didn't even give me the statement in the mail until XXXX. Which is when I reported these transactions. Per the Law 's I have XXXX  Days from the date of receiving my statement to report an error. Therefore I am still within the XXXX  Day timeframe of when I received the statement. Lastly, BMO brushed these transctions under the rug and refuse to provide a refund for these transactions I did not conduct, I do not know this person, I do not know whom this person is. The BMO Account is closed, and I fully expect a refund check for the money that was stolen from me unauthorized transfers. At this time BMO has not resolved the claim. I have not received any statements since, and I have never received any statements for the savings account either. I do not know whom conducted these transactions but I do believe it should be reviewed and corrected. AS THESE ARE UNAUTHORIZED. 
XXXX XXXX out to XXXX XXXX XX/XX/2024 {$260.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$520.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$940.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$500.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$500.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$650.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$600.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$180.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$580.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$160.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$180.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$500.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$500.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$580.00} XXXX transfer out to XXXX XXXX XX/XX/2024 {$160.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$180.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$500.00} XXXX XXXX out to XXXX XXXX XX/XX/2024 {$500.00} Transactions not Paid {$8000.00} for account ending in XXXX, Claim was filed on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was extended for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX during death of immediate family. This was denied then I had it escalated to a supervisor and XXXX XXXX Office of the President two different reps contacted me back advising traditionally this  would not be honored however XXXX XXXX made the business decision to honor. I was going to leave after my initial interaction then they won me back with the follow up service only for the utter disaster since. I have never been 30 days late on a vehicle in my life didnt start now. During the processing of such I continued to remit some payments to apply towards interest as advised. I was further advised said due date was applied in XXXX then XXXX now they are stating XXXX. Each of their responses contradict and they were in writing two of which through your organization please review. As I will be filing a law suit against this organization if XXXX XXXX and XXXX are not rectified by XX/XX/XXXX. 

They have cost me thousands in credit limit, multiple accounts and I am presently refinancing at a higher rate than need be because of such as well. So this is sign I cant Financial harm
Product: Credit reporting or other personal consumer reports

have attempted to rectify all incorrect accounts and unauthorized inquiries on my credit report, but I have yet to receive any response from the three bureaus. This issue is causing me a lot of stress. I urgently request the removal of these listed accounts and inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

was made aware recently of my information was a part of the XXXX XXXX XXXX and since then I have had over XXXX Fraudulent accounts appear on my credit report. I have XXXX reports still showing on my credit report dispute my attempts to dispute the items myself. The following derogatory account was not opened by me and is reporting inaccurate information on my credit report. This account is having a significant impact on my financial wellbeing and should be removed from my credit report immediately. 

Portfolio Recovery LLC- XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me. And provide me with the documents with the original signatures.