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

I have an account in good standing with Avant. 
My card expired in XXXXXXXX XXXX XXXXXXXX  and I was issued a new one. I was also charged my annual fee at the same time. 
By the time I received the card I was unable to activate it because too much time had passed. 
I was issued a new card which took approximately XXXX weeks to receive. I attempted to activate the card and received confirmation that the card was active however, when I tried to use the card, it was declined. 

I contacted customer service and was told that the problem was that my card was not activated and they would take care of that for me. I was then told they received an error message stating the card could not be activated because the maximum attempts had been reached. 
I was told the only remedy was to issue me a new card, so I waited another XXXX weeks for a new card to arrive. 

When that card arrived, I attempted to activate it, received confirmation that the card was available for use, tried to use it and was again declined. 
I called the company again and received the same information about this card as the last. It was not active, they would activate it for me, they couldn't activate it because the maximum attempts had been exceeded even though the only attempt to activate it was my initial one. 
Again the only remedy I was offered was to be issued a new card which would take another XXXX weeks to arrive. 
The new card arrived with the same results and I still did not have an active card. 

This time I requested that they issue the card with a different number as all of the previous cards had had the same number and I thought maybe that was why there was an error regarding number of activation attempts. 
I was told I would be issued a new card number and I should receive my card in approximately XXXX weeks. When I received this card it had the same number, same issue. I still could not activate my card. 

At this time I called and reported my card lost in order to ensure that I received a new card with a new number. After XXXX weeks I still had not received a card so I called the company and was informed there was a backlog and it was taking approximately XXXX XXXX XXXX  days to receive a new card. 
I did finally receive my new card with a new card number, but again was unable to activate it. 
I have been told on XXXX separate occasions, upon requesting a supervisor ( and after being placed on hold for several minutes ) that a supervisor was unavailable but would call me to discuss this issue. That has never happened. 
I was also told that they would take other steps to ensure that my card was activated and I would be able to use it within the next XXXX to XXXX business days. I was told I should receive an email confirmation when the card was ready to be used. That never happened either. 

It has now been nearly XXXX XXXX and I still do not have a valid card for this account, despite being charged the annual fee and being issued at least XXXX new cards since since my original card expired. 
I have also been charged and paid a fee for services I am not able to use.
Product: Student loan

The student loan does not belong to me nor have I personally requested a loan after XXXX. I have one with a private company ( XXXX ) and I am in payments with them. I do not have additional loans that I requested and it shows I now have more open loans. I now show I have 4 additional loans open in XXXX. I completed my education in XXXX
Product: Student loan

My loan was paid off by a servicing company, ACS. I applied for a military deferment as to not accrue interest. I submitted all of my paperwork with my XXXX as well as proof of XXXX XXXX XXXX. The deferment was denied and they will not uphold their own policy. When I tried to speak with them about it, they told me to call the Department of Education. The DoE stated they have no bearing on deferments. When I called back and asked to speak to a manager, the representative gave me a last name and stated I do n't know any supervisor 's first name. I told her that 's impossible for her to not know her supervisor 's first name. I asked for her name and she refused to give me her full name as well. She told me the application was denied because my order did n't say war on my XXXX. I told her that no one 's XXXX say war as we are not in any major wars right now and the operation that we fight in can not be printed on any electronic documentation. But my XXXX stated that I was in support of an operation. They have the Department of the XXXX XXXX as the heading and it says I went to XXXX. She then went on to tell me that it does n't state what you did in XXXX. I told her ma'am, that information is classified and no orders state this either. They will not uphold their own policy and guidelines. She then went on to say well, we can put you in forebarence so you will still accrue interest. She still could not explain to me how I do not qualify for a deferment and their policy states any XXXX XXXX member in support of a XXXX.
Product: Checking or savings account

My husband and I are currently on unemployment ; it is our only source of income. I withdrew {$1400.00} from both of our unemployment debit cards around XXXX on XX/XX/2021, at our local Bank of America branch, located at XXXX XXXX XXXX XXXX in XXXX, AZ. When I attempted to deposit that amount into our joint checking account, the ATM took our money, didn't deposit it, and gave us a slip with a number to call. 

I called Bank of America, after going to the branch and being directed to call that same day. Upon calling, they said they would credit our account within 48 hours. Again, this is our only source of income for our family of 4, with two small children under 4. I said this was unacceptable, we need this money to survive, your ATM took our money, put the money in our account immediately. They said they " escalated '' the matter, and that a manager would call back within 10 minutes. It's currently XXXX on the XXXX of XXXX, 2021, and no call has occurred nor money credited to our account. 

I've come back to this on XXXX of XXXX, around XXXX local time in XXXX and our account has yet to be credited. I called again, and Bank of America is now saying that we need to wait TEN MORE DAYS for them to conduct an " investigation '' to prove that they stole our money. They also " denied '' our attempt to escalate our claim. Again, this is the money we need to feed and clothe our children. We CAN NOT wait 10 days to have our money back. We're desperate.
Product: Debt collection

XXXX account that went into collection. another company had the account and now this company have the account stating its a new account on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto received multiple payments that was debited from my account. One payment was for XXXX XX/XX/XXXX for the month of XX/XX/XXXX. The second payment was XXXX XX/XX/XXXX for the month of XX/XX/XXXX. Which I paid with my debit card. TD Auto claimed to have not received the two payments. Both payments were deducted from my bank account. TD Auto did not inform me of the issue of the company claiming to have not received payment for the month of XX/XX/XXXX and the month of XX/XX/XXXX until my XXXX billing cycle. TD Auto reported inaccurately to the credit bureau for more than 8 months. TD Auto harassed me with phone calls everyday ( sometimes more than once a day ) once the issue was brought to the companys attention. I presented two months worth of bank statements, as well as other documents that pertained to TD  receiving payment from me. I presented these documents on multiple occasions showing the dates and amounts which were paid to TD Auto. And asked TD Auto to preform an investigation and repair the inaccuracies on my credit report. TD auto told me to make a payment ( which I already paid in XXXX ) and the harassment by phone would stop. And the company would give a credit in the amount of my monthly car payment of XXXX to my TD Auto account once the investigation was finished, and that I would receive a letter in the mail. I received multiple letters stating that TD Auto found inaccuracies when reporting and they would fix the issue. but the company never fixed the issue nor did the company give the credit. TD Auto has not complied at all. I reported this issue to TD Auto and the company has done nothing. I uploaded my XX/XX/XXXX TD Auto billing statement which shows that one payment was not received for XX/XX/XXXX. That payment was satisfied and resubmitted by my banking institution. That document is uploaded as well. I also uploaded my billing statement from XX/XX/XXXX which shows that the payment from XXXX was received once it was resubmitted by my bank. That should of satisfied the issue. But TD claimed that I owed them more. I presented all the documentation showing that the debt was paid.
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 XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I never got notice of this just found on my credit report it is for {$120.00} fir some electric company
Product: Money transfer, virtual currency, or money service

I am failing a complaint against cash app due to inadequate customer service and unfair pratices which violate the consumer financial protection act cfpa. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnersble and unprotected. Furthermore, their dispute resolutions was unfair and deceptive, as they did not comply with an error message resolution requirements under the electric fund transfer act ( efta ) and regulation e. These action has caused significant inconveniece and financial lost. I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute two accounts that I closed and update balances on existing accounts, Equifaxs online dispute does not allow me access although I enter all my information and answer their verification questions correctly. I closed my XXXX XXXX, XXXX and one XXXX Account. XXXX XXXX, XXXX XXXX Visa, XXXX XXXX Master Card all have a {$0.00} balance. My other XXXX credit card has a balance of {$52.00}. It extremely frustrating to try to dispute or even contact Equifax, as they either dont investigate or update accounts properly, or make it nearly impossible for consumers to contact them. And because the outsource their customer service dept is a struggle to comunicate property and convey information
Product: Credit card or prepaid card

On XX/XX/2022 I called Citi Bank to get a refund of approx. {$1800.00}. which is a credit. I have called serval times since and today I was told that the transaction has still not been approved. I was told that it takes only a day or two for transaction to be approved.
Product: Money transfer, virtual currency, or money service

I sent a zelle payment to the wrong person once, and before they used to allow verification, I sent it & was not able to get my money back. I understand that sending your money to the wrong person is normal once in a while, but there should be measures to fix it.
Product: Bank account or service

I received XXXX suspicious emails from NetSpend regarding a debit card account that is held by a complete stranger. They refused 4 times to connect me with their Fraud Department in order that I may ask them to look into the matter. It appears that they are unconcerned with potential fraud within their accounts, and suggested that my local police should be responsible for any investigation. I consider this negligence on the part of NetSpend, and think they should be required to clean up their affairs!
Product: Bank account or service

1 I closed my checking account with Citi-Bank N.A,. The bank did not include my interest earn in my final closing check.. I contacted there Citi gold department but up to today all they keep saying that it 's being worked on ( NO - Check almost one month later ), I was told it 's in the mail. When i closed my Citi gold checking, they SHOULD have provided a complete check with earned interest. 
2- I have not been getting my statements from them on a monthly cycle, which caused late fees, and then I recently got a statement with a different City and state address to me. When i complained to Citibank Citi Gold Customer Services, about it they kept telling me the check is on the way. The true fact is that almost a month later and no check. It seems to me that did not do anything. I suspect my mail is going to this address.
Product: Checking or savings account

I am writing to file a formal complaint against Bank of America regarding the recent closure of my account in response to fraud claims I submitted for digital fraud charges. I have also filed a police to document the fraudulent activities that occurred. The actions taken by Bank of America have impacted my financial stability and ability to access essential banking services. 

I reported unauthorized digital fraud charges on my Bank of America account, providing detailed information and evidence to support my claim. Subsequently, Bank America closed my account without conducting a thorough investigation into the validity of the fraud claims, despite the existence of a filed police report corroborating the fraudulent activities. 

The sudden closure of my account has caused significant disruption to my financial activities, resulting in the loss of access to my funds, recurring payments, and essential banking services. Furthermore, the lack of communication and transparency from Bank of America regarding the reasons for the account closure has exacerbated the distress and inconvenience I have experienced. 

I urge the Bank of America executive office to intervene in this matter and investigate the actions of Bank of America regarding the closure of my account following the fraud claims I submitted. I seek a fair resolution that includes the reinstatement of my account, a investigation into the fraud claims, reimbursement for any unauthorized transactions, and compensation for the financial losses and distress incurred as a result of this situation. 

I appreciate your attention to this matter and look forward to a prompt and effective resolution to restore my access to banking services and address the injustices I have faced due to Bank of America 's actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, BMW Financial Services Acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

Loan depot called me, at work, and said they were calling me regarding my inquiry online for a loan for property located at XXXX XXXX XXXX, XXXX, Tn. I explained to them that I have n't applied, inquired or anything else for a loan. He said the request came from email : XXXXXXXXXXXX. They called me last week also but did n't give me any information until today. What do I do next?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  opened a collections account for {$XXXX} to my account and reported it to TransUnion, XXXX, and XXXX on XX/XX/2022. The original creditor is shown as XXXX XXXX XXXX. I have no knowledge of this account as I have no purchase any services or good from XXXX in the last 10 years. 

I disputed this negative account on XXXX XXXX to TransUnion and XXXX on XX/XX/XXXX but they will not remove it from my account. Only XXXX has successfully removed this from my account. THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED FROM MY CREDIT REPORTS!
Product: Credit card or prepaid card

Im nowhere near reaching my credit limit but my card keeps saying declined or unauthorized. 

Called the company yesterday and they said youre good to go. You shouldnt have anymore problems Nothing changed. Its still getting blocked every time I try to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company because they have addresses that I have lived at listed in my report. I have requested to have these addresses removed but they are still there.
Product: Credit card or prepaid card

I have a Victoria Secret credit card. I do not use it often ; however I used it in XXXX and paid it in full in XXXX. I made my payment online on the due date and I guess the payment posted on Eastern Time and therefore they considered it late and charged me a late fee. I called and talked to a rep either late XXXX or XXXX and she said she would take care of it ; however she never did and now I got another late fee. I called and spoke with a cust. service rep on XX/XX/19 and spoke to a supervisor who both would only waive one because " that's our policy ''. I explained that they really need to 'listen ' to my situation and not base every single customer situation on an in-house policy. If the rep would have taken care of the first one, I wouldn't have had the 2nd one! Anyways, I have asked to speak to upper management with Comentiy Bank and am told there isn't anybody else I can talk to. This is bogus and I would like it reversed. Based on all of the other stories I see on the XXXX, sounds like it's certainly their way of business. Very shady and crooked!
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. 

Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address that is being reported on my credit report that I haven't resided at before and I would request that it be removed from my report. Also, I am requesting a full credit report with the updated information, please. 
XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted complaint to XXXX XXXX, XXXX And Equifax to make sure all of my accounts were properly investigated and to make sure everything was 100 % correct on my account. The credit bureaus stated XXXX XXXX, DPT EDXXXX, DPT ED/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX, US DEPT ED-XXXX US DEPT EDXXXX, DPT EDXXXX, DPT ED/XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, date last reported is inaccurate, account numbers are inaccurate, account type is inaccurate, balance is inaccurate XXXX comment section is inaccurate XXXX high credit limits are inaccurate, number of months ( terms ) is inaccurate and two year payment history is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit credit as well.
Product: Other financial service

i did depossite my money order in capital one bank XX/XX/2016 and the money is not being clear capital one fraud do n't give answer about why is no clear the money order, i send copy my invoice purshase and return reason by the bank mortgues the officer in charge is XXXX XXXX case # XXXX i being calling her for more 10 days let voice mail. they are not have return my call back or any answer
Product: Debt collection

They call every day and threaten to call my employer 's payroll department and take legal action or serve me with papers. they call my cell phone and/or work phone. They do not identify the debt nor Have I ever worked with this company before. I did not receive any written notification in the mail from them with information on this debt they claim I owe. 

They also call my mothers house every day on her home phone and tell her she has a bad check and needs to pay or they will serve her with legal action. My mother does not even write checks except for her rent/electric. She has not bounced a check in 10 years or more probably. We do everything online. 

I currently live with my mother but never list her home phone on anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a notification from XXXX that XXXX  XXXX had made a request for my credit information. I have not made any application to, or otherwise attempted to do business this entity. I attempted to contact the company by telephone and spent over an hour in phone system XXXX. After that, I e-mailed thee customer service people at XXXX XXXX and on XX/XX/XXXX received a reply telling me to contact Citibank and providing no additional information. 

I have spent another hour trying to speak to a person at Citibank concerning this matter with no luck and this complaint follows. 

I am only seeking an explanation as to why this inquiry was made and verification that all my information has been removed from their system. I want to speak to a real person who can provide me with answers as to why they were looking at my information in the absence of any attempt by me to do business with them.