23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I bought a {$490.00} vanilla gift card from local XXXX grocery store. I tried to use it for purchase on the same day and it got declined. I called the customer service of the gift card was asked to provide receipt, copy of front and back of the card, copy of the gift card package and was told the card was not properly activated ( case XXXX ). I was provided an resolution day of XX/XX/2024. It is XX/XX/2024 but I still haven't heard anything back nor a replacement card has been issued for me.
Product: Checking or savings account

My name is XXXX XXXX XXXX, and I am writing to address a serious issue regarding an ATM deposit that has resulted in unauthorized deductions from my account, causing significant financial inconvenience. All of this can be backed up with statements that have the $ amount and date. 

On XX/XX/XXXX, I deposited {$330.00} in cash into my account via an ATM at Bank Of America on XXXX. Unfortunately, the ATM malfunctioned midway through my deposit, and I had to use a neighboring machine to complete a second deposit of {$41.00}. The total amount was correctly reflected in my account, and I assumed the matter was resolved. 

However, shortly after, I noticed a charge labeled " insufficient funds from ATM, '' which withdrew {$330.00} from my account, causing it to go negative. I promptly filed a claim and was informed that an investigation was underway. Subsequently, a temporary credit of {$330.00} was applied to my account, which I understood to be a resolution of the issue. 

To my dismay, on XX/XX/XXXX, the {$330.00} was withdrawn from my account again under the label " temporary credit reversal. '' This has caused my account to go negative once again, severely impacting my ability to manage other financial obligations. Just recently, I deposited {$280.00} into my account, thinking I could pay off my credit card, yet I am still - {$40.00} at Bank of America due to this recurring issue. 

This situation, caused by a malfunctioning ATM and further compounded by errors in handling my funds, has disrupted my finances twice now. This is entirely unacceptable and falls short of the service I expect from Bank of America. 

I am requesting MY money back. I dont want compensation. I dont EVER want to do business with this company again either. 
This is now on the verge of affecting my credit score due to this financial institutions shortcoming.
Product: Mortgage

I am still awiting answers to my past letters. Today a Statement has come by mail stating I have a modification plan. I have not sent any documents, I have not signed any docment requesting any modification of what?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a XXXX card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. XXXX was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by XXXX to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

XXXX is still showing on my XXXX  credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my XXXX  report. 

In XX/XX/XXXX, I submitted an online dispute to XXXX about this matter. On XX/XX/XXXX, I received a letter in response from XXXX stating that the XXXX information was " Verified as accurate ''. 

I had seen an increase in my Experian credit score when the amount was paid to XXXX and at that time Experian was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from Experian that XXXX had reported negative information to them and now that XXXX account is showing up as " Charged Off '' with a balance of {$20000.00} on my Experian credit report. My Experian credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this XXXX account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by XXXX, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per XXXX 's instructions.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL -Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

Hi, I have a collection by the name of National credit system. I dont recall giving my information to them. Can you investigate and also send me information and break down to this collection.
Product: Debt collection

Law Office of Brett M Borland, P.C. contacted me by phone, on XX/XX/ and claimed I owed a debt as originating from the apparment XXXX XXXX XXXX, whk I have never stayed out. They then contacted me by mail received XX/XX/ as to the price of said debt and the supposed contract included in a debt validation letter request. This gave me no notice of my rights as described in 15 U.S. Code 1692g ( a ) ( 3-5 ). 

I made a request for additional information within my rights and after two months have received. I requested they only contact me by mail and they ceased all communication claiming it was against company policy to communicate outside of the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing my utilization to be 20 % while the other reporting agencies are showing 2 %. They have not updated my account with the proper information that I have settled my debts months ago. This is causing an undue burden for me to purchase a home due to their lack of attentiveness and diligence to be reporting out accurate information.
Product: Checking or savings account

I had ( 3 ) bank accounts with Key Bank ; ( 2 ) Key Gold Money Market Accounts and ( 1 ) Key Privilege Checking Account which were established by a " Financial Wellness Consultant '' under the supervision of the Personal Banker Manager at the XXXX XXXX Branch ; for the expressed purpose of creating a " Key bank Relationship '' among these accounts which directly and contractually qualified for a special " Relationship '' interest rate. 

When I attempted to cash a check, the branch refused due to the implementation of an " additional identification measures '' internal to just this Bank and not mandated by the Federal Government or any entity thereof. Their system failed at no fault of mine ( they admit so in a letter dated XX/XX/2020 from a XXXX XXXX XXXX Client Relations ) and despite their admission, offered only an apology for the inconvenience and the assurance that the branch will be dealt with. 

Nonetheless, I closed all ( 3 ) accounts in accordance to the terms of the agreement and stated that I would never ever do business with Key bank again.

Upon closing, rather than receiving the " promotional rate '' from the last statement thru the closing, the bank instead paid interest at the non relationship rate ; in affect, shorting me nearly 1 full month of interest by nearly 1 % ; which in today 's low interest environment, is a huge discrepancy. All is ask is that this bank lives up to its own  regulations and contractual obligations by paying what it owes instead of requiring me to continue to fight, fight, fight for the dollars rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accounts below has violated my friendly protected consumer rights to privacy and confidentiality under 15 USC 1681 right Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 A. States i have the rights to privacy 15 U.S.C 1681 A. Section 2 : it also States a consumer reporting agency can not establish an account without my written instructions
Product: Money transfer, virtual currency, or money service

I have a investment account with Robinhood markets Inc using their XXXX  app Roinhood. There was an unauthorized sell of my investments and an unauthorized withdrawal of those funds to another bank account which is not mine. I did not get a notification of this fund transfer before it occurred which is not acceptable. The funds were transferred immediately without any hold or verification from me. I am unable to contact a customer rep to bring up this issue and start to have it resolved. I have been on hold for over 5 hours in the meantime more money was taken. In total, approximately {$2000.00} of my money was transferred to an unknown bank account after the selling of its appropriate value in XXXX  stock I held in the account. I am in the middle of selling everything and moving off the platform to save the remaining balance of around {$2500.00}. I was not informed about these account activities which is not acceptable for a financial platform. I have attached a transcript of the withdrawal with the value stolen.
Product: Debt collection

XXXX XXXX called my employer on XX/XX/18. My boss called me into the office and said that the lady on the phone told her it was a recorded line and asked to speak to me. When I answered this call, the lady gave me her name and stated that she was with XXXX XXXX. She then proceeded to state an address, last of SSN, and birthdate which was incorrect. I told her no. She asked if i received their letter in the mail. I did not. She then asked for a better contact after I asked for them to never call my employer again. I asked for all communication to be done in writing via mail. It has been a week and no letter in the mail. I check my credit report, and discovered that XXXX XXXX has done a hard inquiry on my XXXX  credit report without my consent or knowledge and are not on my credit report listed as a debt owed. I feel like this is harassment.
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information on my credit report remains unresolved despite my numerous attempts to address it. The presence of these items has profoundly impacted my life, causing me significant XXXX and XXXX It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Product: Vehicle loan or lease

In late XXXX, Santander Consumer USA AutoPay correctly deducted XXXX for my auto finance monthly charge. I went into my online account to ensure the payment processed and somehow another manual payment was processed for XXXX. I noticed this on my online bank statement several days later, as it put my checking account balance in jeopardy of being in an overdraft state. I contacted Santander customer service immediately and explained the double payment situation, for which they assured me they would refund the error of the second payment to me, so as not to disrupt my AutoPay setup. I eventually received the credit. 

Today, XXXX  XXXX, I called customer service after receiving an automated email from their system stating there was " a problem making my XXXX payment with AutoPay '' at XXXX on XXXX XXXX. I logged into my account, received a message that AutoPay was enabled, and proceeded to my account, which showed my account now past due and only an option to pay my XXXX amount by credit card or debit card ( no checking account option ) with an associated fee. Customer service advised there was nothing they could do ; it was a " system '' issue. I asked for a supervisor, who never returned my call. The representative informed me that the refunded double payment was noted as " returned ''. Customer service rep advised their actions were in no way reckless or unethical and were in strict conformance with their documentation. When I requested said documentation, I was immediately put on hold for a supervisor, and my request was ignored.
Product: Mortgage

In XXXX we filed a chapter XXXX bankruptcy in order to try to keep our home after credit card companies increased their minimum payments by 2 1/2 times what they 'd been being. I simply could n't pay that much of an increase and when I attempted to work with the companies their answer was I had no opt out option on what the payments would be. I had years and years of perfect pay history but simply could n't go from an {$800.00} a month payment to a {$2500.00} a month payment. So the bankruptcy was n't a really my choice ... I had no other option..In XXXX my husband became ill and could no longer work and I had to take a cut in pay due to the economy having such a negative impact on the company I worked for. I contacted Bank of American in an attempt to modify my loan but was told that because we were in the Chapter XXXX there was n't anything that could be done. Since I only made {$35000.00} a year it obviously would be impossible to keep a home that payments and insurance was over {$30000.00} a year. At that point the home was surrendered back to Bank of American. Up until that point we 'd never paid a late payment on that home and had lived there for 11 years. In around the first part of XXXX XXXX notified us that they had acquired our mortgage and all future payments were to be made to them. I immediately contacted them and Bank of America trying to explain that this was all handled throught the courts in XXXX. Bank of America said they did n't have to abide by any such order. XXXX continued to pursue us for payment. Finally after several months XXXX ceased to call. In XXXX XXXX the home sold through XXXX. Reported on my credit bureau file was that I had a foreclosure through XXXX dated XXXX XXXX. So obviously this had an impact on my credit score and any hopes of me getting another home for at least 3 years. I attempted to get them to understand that they should have NEVER had anything on us because the BOA debt was discharged by the bankruptcy but they said that was n't true. I 've sent copies of the modification letter and judge signed document to both banks.. to no avail. So in an attempt to get into a modest home I have this hanging over my head as having just happened in XXXX. So I asked for help through XXXX. The result was a XXXX point drop in my credit score because XXXX shows that our payment history was over 120 days late with payments. When I referred this information to my attorney I was assured that Judge XXXX order was sufficient and I did not need to be concerned. XXXX response to XXXX was that it was THEIR loan and we never paid on time.. PLEASE help get this resolved. I 'd like to have a home again one day.
Product: Credit card or prepaid card

On XX/XX/2019 I applied online for a Fortiva XXXX and was approved online that same day. I realized I had made a huge mistake because of the fees involved and the low ( {$700.00} ) credit limit, and the fact that there was an annual fee of {$200.00} plus a {$25.00} authorized user fee for an additional card for my spouse. I attempted to call the company at the only telephone number provided on the initial correspondence ( XXXX ) to cancel the card before it was activated, but the telephone call caused activation of the account. On XX/XX/2019 I wrote a letter to Fortiva requesting cancellation of the cards. The address shown for correspondence on the account is XXXX. XXXX XXXX, XXXX, Georgia XXXX/ I have had no reply to my request. 

I have not used the cards at all. I received an invoice from Fortiva on or about XX/XX/2019, wherein I was charged an annual fee of {$170.00} and Authorized User Fee of {$25.00}. The new balance amount was {$200.00} with a minimum payment due of {$25.00} due prior to XX/XX/2019. 


In the cardholder agreement, under " ACCEPTANCE OF THIS AGREEMENT '' it reads " Your activation of your card, your use of the account, or any payment made on the account, evidences your acceptance of the terms of this agreement. '' I called to cancel the card, but my call activated the account. I wrote a letter ( copy attached ) requesting cancellation, but apparently my request was ignored. I do not feel that I am obligated to the company for user fees when I have done everything I know to do to cancel the card before it was activated.
Product: Credit card

Synchrony Bank called my phone outside of approved hours. 
XXXX ( XXXX ) XXXX XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple times to Tranusunion to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Trasunion it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Transunion failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and inquires XXXX XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FINACIAL removed from my credit report or send debt validation of these accounts with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Checking or savings account

On XX/XX/2022, I contacted Cash App via their chat line to let them know had two large unauthorized charges to my account from a company called XXXX. XXXX charge was for XXXX and another for XXXX. I also had a pending charge for XXXX. XXXX that needed to be released. I was told it would only take 10 days to resolve this matter. After a few days I received a another email saying it would take 45 days to approve my claim. I tried to follow about this matter but very agent I spoke with will not give a status update.
Product: Credit reporting

To Whom It May Concern : Tranunion did not provided the results of my late payment investigation with my Student loan Account : XXXX SS # XXXX Late payment in XXXX 2014 XXXX have intensely fraudulently remove my forbearance date and reporting 90 days late to credit bureau. In XXXX 2014, XXXX, backdated forbearance date. XXXX they removed it than reported late in credit bureau and than backdated forbearance date. 
XXXX or Tran union should not report to late payment. I paid as agreed upon forbearance XXXX Why Transunion did not provided response from XXXX? 
Transunion are not responsive
Product: Credit reporting or other personal consumer reports

GM FINANCIAL is reporting late payments for account number XXXX and have failed to provide proof of late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. 

It is an unfair act for late payments to be reported. It is a violation of the law, invasion on privacy, Pursuant to 16 CFR 444.4 an Unfair act of practice Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Who did you speak to? 
My finger prints? 
Original contract? 
License number? 
Wet ink signature? 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )
Product: Credit reporting or other personal consumer reports

I am victim of identity theft through several data breaches below is a list of all fraudulent accounts on my Experian credit report also attached is a copy of my identity theft report it is a against consumer law to report fraudulent items on your credit report Experian Fraudulent Accounts XXXX XXXX {$1200.00} Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts. 
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

comenity capital bank my place they are with a high interest, high late fee rate and too much fee over the fee rate. i felt helpless when they damaged my credit.
Product: Credit reporting

Some of the Information Contained in my Consumer Report in inaccurate or incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$100.00} 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