23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Account was closed on XX/XX/23 with a remaining balance of {$340.00} part of this balance is my direct deposit from my job. They told me it was mailed out to me. Then I called a month later and they said they never said that and refuse to pay me my money.
Product: Credit card or prepaid card

On XX/XX/2022 I applied for the Capital One QuickSilver credit card through my XXXX credit report. I applied to help build my credit file back up and it was a high recommendation from XXXX. I was approved for {$500.00} limit and was sent the card by mail. I made a couple of purchases and made my payments before due date. However, when I logged into my Capital One account, noticed that they suspended my card limit. When I contacted their XXXX number, I was told they needed to verify my identity. I asked didn't you do it when I applied. I was told they could not check my credit. I told them I locked my credit reports because I was a victim of identity theft, and they would have to contact me first before pulling my credit. I asked to speak to a manager. And when she came on the phone, I told her if you need to check my credit, I will open it but I do not keep it open because of identity theft. She told me I would have to provide a copy of my ssn, XXXX, and a copy of a bill showing my address. That happened on XX/XX/2022. After I got off the phone with her, they emailed me a list of the documents needed and a link to upload the documents. I did upload the documents they requested the same evening. The Manager told me it will only take two weeks to confirm my identity and that is all they would need. I just received a letter. which is way past two weeks, in the mail from them requesting me to contact them. I did call them on XX/XX/2022 and I was asked to send in the same documents again. At that point I was livid and requested to speak to a Manager. A male came on the phone and I explained to him that I uploaded those documents on XX/XX/2022. He stated he will check and to give him XXXX minutes. He came back stated he found the documents. Then, proceeded to tell me that they need a few more documents. He asked me to send three months worth of my Bank Statements. Then I became furious with them and ask him why areyou asking for my Bank Statements after I was told what I sent was all you needed. At that point, I felt like they were discriminating against me and asking for items that are irrelevant and illegal. At that point, I told him I will be contacting XXXX XXXX and logging a complaint against them for unlawful requirements. I see if I applied for a {$100000.00} card or more but {$500.00} limit credit card. I feel I am being wrongfully treated by Capitol One. I want Justice an apology issued from them and to release my account.
Product: Credit card or prepaid card

In XXXX, I moved to XXXX, TN and opened a Bank of America credit card account since Bank of America had a storefront here. I quickly realized I did not need this card. I paid the full account down and instructed the bank to close the account, but they did not. A recurring nominal ( {$10.00} ) XXXX XXXX XXXXXXXX subscription fee hit the account. I was unaware and only became aware recently ( XX/XX/XXXX ) upon requesting a home loan from a separate bank. This is creating a problem for me in accessing a home loan as this is showing up on my credit report as {$44.00} charge off and a series of late payments. This is completely inconsistent with my previous credit history. I feel that the bank made it extremely difficult to pay off my total debt and close this account. I have reached out to them to address this, but they have been uncooperative signaling that it is the consumer 's responsibility to monitor their credit. I have also filed disputes will all 3 credit agencies. I was under the belief that this account was paid off and closed. I request help in removing this from my current credit report. Thank you.
Product: Credit card

I have a care credit card account which I use solely for my dog when she has XXXX ( XXXX ). I had my account down to {$1900.00} and when I went to make my usual {$100.00} payment today, my balance has shot up to over {$2500.00}! I was shocked and called and their answer was that the payments ( when CALLED IN ) you can verify which deferred purchase I would like the money to be credited to. I have had this account for YEARS and have been making payments that I assumed was going towards the oldest deferment. To my shock and disgust, it was not and literally it is entrapment, then they tacked on {$580.00} which should of been avoided due to my bigger than suggested payments. It is extremely unfair, she admitted to me that this information is NOT on the statement, nor website where I make my payments. obviously, had they told me, this would of been avoided all together. I was furious when I did get her to tell me that there was XXXX purchase that was deferred and only had a balance of {$27.00} but unless I called and told them this was the XXXX to put the payment towards, it would of tacked ANOTHER {$350.00} on soon. This information is nowhere for me to see to decide what I should pay, she said it is listed like purchases on a credit card then it drops off ... really? I feel angry, tricked, and I want care credit to know my eyes are wide open and from now on I will call them every payment made and keep XXXX of their people busy telling me any and all purchases and when the maturity date is so I can finally,,, after three years of wasted {$100.00} payments not getting properly credited, now I know why I ca n't seem to make any headway with this account. I recently went paperless assuming all the proper information regarding my account would be listed and it is not. Very unhappy with this situation. I am a single mom with XXXX XXXX and a mortgage, {$580.00} is a ton of money to me ...
Product: Credit card

In XX/XX/year> my wife went into first national bank on XXXX XXXX XXXX XXXX XXXX. I was not present. The woman asked about a credit card which my wife declined. Then after my wife left she lady signed both my wife and I up for a XXXX credit card each. Again my wife said no and I was not even present to give my permission to run my credit. They said it would not hit our credit and it did. They have agreed to have it removed it from our credit but the bank refuses to do anything to punish or reprimand the worker whose name was XXXX who fraudently did this or the manager at the time who was right there and said she heard my wife say she wanted these cards. We have spoken to police, the bank corporate office and now you.
Product: Checking or savings account

On XX/XX/2022, I deposit {$10000.00} from XXXXXXXX XXXX to HSBC, then made two wire tranfers to my other two bank account. Since then, HSBC has blocked my account, refused to allow to access my accounts.

I am requesting HSBC to unlock my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX profile shows two recent hard inquiries that I did not initiate. I called both institutions and they are canceling pending credit card applications that I did not initiate. I would like these hard inquires removed from my credit file : XXXX XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Jpmcb Card Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXXXXt XXXX. 
Institution Information Jpmcb Card XXXX, DE XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has become the worst credit gathering agencies that the public have to heavily relied on when they are obtaining credit for something. And when something is incorrect and try to talk to someone or dispute it never gets resolved. You can not ever get through on the phone anymore, it just rings a few times and then hangs up. Their web site tells you to send a pvt message on XXXX to them. However you can not ever chat live with anyone. You have to just submit issue and can take up to 72 hrs to get a response. Then if they ask you something else and you respond back another 72 hrs .... this could continue for a long time back and forth. I also have submitted the dispute twice so far and both have said it came back with no update. However this account remains showing closed on credit file with them ( the other two agencies have no issue with it ) and has been open several years. The last dispute I did online with them ( XXXX ) and also uploaded a copy of my statement for that account to show it was valid and open, was showing please give them until XXXX to resolve. Now today when I go online to see if anything on it yet, it shows that there is no active disputes for me and doesn't show in the history, like it has never happened Only the two I did in XXXX. So again I can not talk to anyone about it, just submit a XXXX request and wait and wait and wait. This has become a very unrealistic credit scores that is given to companies for credit worthiness.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Transworld Systems for furnishing an inaccurate and outdated collection account on my credit report. This account was previously settled with the original creditor, XXXX XXXX, for a different amount than what is currently being reported. Despite this, Transworld Systems continues to report this collection account, which is both misleading and unlawful. 

Furthermore, this account is past the statute of limitations in the state of Texas, making any further collection activity or reporting improper. Additionally, the account contains inconsistent and inaccurate details, including discrepancies in the open date and the date last active, suggesting that Transworld Systems has re-aged the account in violation of the Fair Credit Reporting Act ( FCRA ). 

Transworld Systems also has a documented history of consumer protection violations, including unlawful debt collection practices such as adding unauthorized fees to debt payments. Given that this debt was settled with XXXX XXXX, there is no legal basis for Transworld Systems to continue reporting this collection. 

I am requesting the immediate removal of this account from my credit report to ensure compliance with federal and state consumer protection laws. Failure to do so will result in legal action against Transworld Systems for false and illegal reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, a living human being, I have rights under 15 U.S.C. 1681. 

Equifax is governed by 15 U.S.C. 1681 and has violated my rights multiple times, including as a victim of the renowned " Data Breach, '' where my name, address, DOB and SSN were compromised. I demand that the accounts listed below be immediately removed from my credit file because : According to 15 U.S.C. 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX. XXXX XXXX Acct. # XXXX, Date Last Reported XX/XX/2022, # of Months of Payments = XXXX, Credit Limit XXXX {$36.00}, XXXX, Actual Credit Limit XXXX {$29000.00}, and several payment discrepancies. 

XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX ) ACCOUNT DOES NOT BELONG TO ME!
Product: Student loan

EdFinancial has a 0.25 % interest reduction for setting up auto-pay, I have set up auto-pay multiple times ( initially XX/XX/23 ) since my loan was transferred ( each time the confirmation saying it would take 2-3 business days to take effect ) and I was actually able to access it, but nothing has happened. I'm not receiving the interest reduction, auto-pay still has not been set up, EdFinancial refuses to reply to my emails ( the first email was sent on XX/XX/23, mentioning that the " new '' start date for the auto-pay changed to XX/XX/23, rather than the XX/XX/23 initially quoted, but it still has not started ), the chat option isn't available whatsoever, and it seems like multiple other people ( according to a XXXX thread ) are going through the exact same issue. It seems deliberate at this point, in an effort to avoid the interest reduction that was guaranteed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a deposit onto my prepaid card of {$10.00} on yesterday Monday, XX/XX/2020. I tried to use my card yesterday to pay for a purchase at the store be said it said that my purchase was declined. I was sent an email saying that I have received a deposit of {$10.00} on yesterday Monday, XX/XX/2020. Now it is saying that my account balance is {$0.00}. I would like my money back. They never told me that I would be charged for any fees, but I am now being charged for dress. Please help me? I am very upset and frustrated right now.
Product: Money transfer, virtual currency, or money service

Coinbase has denied me access to the digital assets in my account ( valued on XX/XX/XXXX at approx. {$270.00} USD ) Coinbase claims that it is verifying my identify - for over 50 days.

I have submitted all required information and have offered to submit any other documentation it requires. 
I have attempted to contact Coinbase repeatedly via its support page twice a week since XXXX and receive no reply. 
Coinbase has no ability to receive customer related phone calls. 
Personal information was not required to hold digital currencies when my account at Coinbase was opened around XX/XX/XXXX. ( Id verification was only needed by Coinbase to sell digital currency and send the funds to a recognized bank ). 
Around XXXX XXXX A change was made requiring personal information be submitted and no option was offered to allow me to withdraw my digital assets unless I complied ~or~ if a choice to withdraw my digital assets was offered when I then attempted to comply by verifying my identity the system chose to not allow me to withdraw my digital assets claiming ever since they still need time to verify my identity. 
I acknowledged in my communications via the Coinbase support page - at the beginning of not being verified that because I was a US citizen living in XXXX the verification of myself could potentially require extra attention. Like my other attempts to communicate with Coinbase, this message was ignored. 
I continue to offer to provide any additional and all required information that is needed to verify my identity.
Product: Debt collection

CREDENCE RESOURCE MANAGE is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

Reference : XXXX I reject your offer to contract. I have not given my lawful authority for any non affiliated third party to be in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028 A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I have reasonable cause to believe that Balanced Healthcare Receivables LLC,. XXXX XXXX XXXX XXXX XXXX XXXX. have all conspired to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies I will file for suit of intentional infliction of emotional distress
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time making a complaint about the accounts that are negatively affecting my credit report. These accounts are false and inaccurate.
Product: Money transfer, virtual currency, or money service

I live in XXXX XXXX, TN. On XX/XX/year> I completed a transaction using the XXXX XXXX to make a purchase for the amount of {$100.00} for a promotion of two items within their application. I used PayPal as my method of payment and picked up the purchased items the same day. The following day on XX/XX/year> I received notification through PayPal that the XXXX XXXX made an adjustment to my purchase after the transaction and increased the price to {$100.00}. No explanation was given by the XXXX XXXX or PayPal. I attempted to contact the organizations to to resolve this issue to no avail and get an explanation. I believe this to be a common practice of the XXXX XXXX organization and PayPal to charge and later fraudulently change the price of the transaction after the fact in hopes the consumer does not notice or fight the change. I believe an investigation would yield many consumers within our great state falling victim to these predatory practices and would urge that an investigation into this practice, rather than my specific incident, be conducted to protect its residents. The XXXX XXXX also provides receipts for online or app purchases without itemized amounts or totals to obfuscate this practice. My issue with PayPal specifically was they did not offer me an explanation nor did they offer me an opportunity to challenge or approve the change. Instead they sided with the merchant with no questions asked and released funds without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attempted to receive the free annual credit report of all three agencies, I was not able to get it from Experian. The page said I was required to download a report and send it in with a photocopy of my ID. I don't feel happy conveying that data by mail or by fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around or before XX/XX/2020 I started receiving emails stating that I had outstanding approval odds for credit cards from Credit Karma and XXXX XXXX. Since XX/XX/2020 I have applied more than maybe 20 times and has gotten denied every time. There is no law that requires me to have an actual credit score to obtain a credit card. Credit is defined as the right granted however, XXXX XXXX discriminated against me by having harmful policies set in place to keep minorities at a disadvantage. This caused multiple inquiries on my consumer report that I did not benefit from. Furthermore, XXXX XXXX and Credit Karma made several inquiries on myconsumerreport causingmy score and credit report to be damaged.I now reject your many adverse action and denial offers. I am covered and 100 % protected as a consumer.WHY do these companies feel I do not qualify? Because I'm XXXX american? I have reason to believe that these companies are converting my application ( s ) into currency by selling my nonpublic information. Credit Karma and XXXX XXXX are obtaining my nonpublic personal information to benefit financially rather than honoring an extension of credit in good faith. In reality, this constitutes aggravated identity theft.The several denials XXXX XXXX offered violates 15 USC 1602 and and 15 USC 1691. XXXX XXXX harmful application and/or underwriting discriminates against the low-income community.These companies knowingly execute these deceptivepractices keepingminorities at a disadvantage. I was supposed to receive an explanation as to how to opt out of reporting these negative marks. I have not received that explanation. Iam unable to obtain an automobile or mortgage for my family due to a damaged credit report. Furthermore, I am discouraged toeven apply for a line of credit due toXXXX XXXX  and Credit Karmadeceptive, dishonest, and false actions. Preapproved should mean just as it sounds Approved before applying! Telling consumers they have outstanding odds when they dont is deceptive and misleading!! XXXX, XXXX, and XXXX are not to be excluded from my complaint either. These three companies also used my credit report improperly by allowing Credit Karma and XXXX XXXX to furnish fraudulent inquries on more than one occasion when they knew or should have known that I would not benefit from the transaction, again causing my report to be damaged as well. The national consumer reporting agencies also should have known that this was a deceptive prace when there was a 0 accounts opened by the companies that requested my report. All companies mentioned in this complaint lack integrity! I am an honest consumer who does not deserve to be mistreated for these companies to benefit a few dollars. I should not be discriminated against based off the color of my skin or any other financial hardship I have experienced because EVERYONE falls on hard times. I am filing this complaint to ensure accountability because I strongly believe these companies benefited from these transactions when I did not in any way.
Product: Debt collection

Portfolio Recovery Associates Inc was removed from my credit report and re added to my credit report at a later date hindering me from receiving new lines of Credit. Have always had Credit cards with the company they are claiming I own and my accounts have 100 % payment history. Which means there is no way any accounts went to collections.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX  EXP XX/XX/year> XXXX XX/XX/year> XXXX