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

Vystar credit Union mobile and online banking was down and experienced crashes and delays that made it impossible to make a payment. It is the only time Ive ever made a late payment and now my credit is down XXXX points. I and several other people experienced issues making payments due to this outage and have had adverse effects to my credit because of vystara failure to provide means to make mobile and online payments at a reasonable time. I do not have a history of such irresponsible behavior. I have and never plan to make a late payment. However, when the institution requesting payment makes it nearly impossible to pay I feel it is the responsibility of the institution to admit its wrong doing and not make up lies that are clearly refuted by so many customers. Vystar has lied and gaslighted me. I can not believe how they continue to respond and make it seem as if I am only missing a payment out of negligence when I have said time and again that I am my family were stick and quarantined which made it impossible to go to a physical local for payments. The call center has hours of hold time. The website had a line with me often being 9000 + persons trying to reach their website well into XXXX. Even when I wait for over an hour in line I would often get to the first spot to enter and find an error message or page where I couldnt get in. Then I would have to start all over again for the back of the line. I could not make a payment if I couldnt even get to the website to see what to pay. I couldnt move money to my vystar credit card if the place to make payments was unavailable. I failed to make a payment not because I didnt have the money but because vystar failed to provide a way to make payment for those who could not go to a physical location. What about those with XXXX or illness? They caused this late payment which is why I have refused to use the credit card since then for fear of being unable to pay and the company destroying my credit history. The damage they have done to my credit history is not a reflection of my credit worthiness but a reflection of their mistakes as an organization and it is impacting my life significantly. Even people who had automatic payments couldnt get them to go through properly. They have a responsibility to create an environment for their customers to safely and reasonably provide payment and they failed to do so. Blaming me, the customer, by making up lies of negligent forgetful behavior when I have showed zero history of that is shameful. They even called me and asked me to explain and still came back and said I was at fault because their website was back up in 8 days. That is a lie and not the realitiy for thousands of customers. I guess I need to get a lawyer.
Product: Credit card or prepaid card

I have tried on numerous occasions to obtain a credit line increase with this company. I have 3 credit cards with the company and I have always done well with paying. When I initially opened 2 of the cards I was advised after 6 months I would qualify for a credit limit increase. Every time I apply I am denied and Im sick of it. I have had to open other cards to achieve the spending power I need and deserve based on my current payment history with this company. I have mostly paid my balance in full and the denials just arent fair.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesnt belong to me and need to be removed. 
// XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX // XXXX  - XXXX //
Product: Debt collection

Receivable Management Group XXXX Inc, continued collection practices AFTER I had sent a CEASE & DESIST letter and proof of payment. Letter was sent certified mail ; the representative I spoke with denied having record of receiving it.
Product: Money transfer, virtual currency, or money service

PayPal has for no reason decided to ban my account and is holding my funds unnecessarily. 
I received an email stating You can no longer do business with PayPal ( Ref ID - XXXX ) The money was transferred from a friend mine. PayPal has no reason to illegal hold my funds for their personal float and making money. 
I am entitled to the money transfer and my ban to be removed as I have not committed any violation of their laws and agreements
Product: Mortgage

I have been trying to work with my lender for several months now trying to complete a loan modification packet but they have just been giving me the run around. I have sent several faxes with the HOA statement that they had requested and pay stubs with a reduction of hours to show my proof of hardship. On XX/XX/2021, XX/XX/2021 and XX/XX/2021 I submitted the request that was supposed to complete my loan modification packet. My counselor XXXX XXXX has been calling them every week to confirm that they had received the documents and each time they continue to advise that nothing was received even though we received the confirmation that they got everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 credit reporting agencies and all 3 told me that inquiries are permanent and can not be removed. I explained that they are not legitimate inquiries and that this has happened to me before when I was in the military where someone repeatedly tried to get credit in my name. They told me that there is nothing they can do about the inquiries. 

I called multiple times only to get the same answers and I submitted online disputes but they have not corrected this. 

The inquiries include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

It's been 4 months since I reported fraudulent activity on my credit card and Chase Fraud Recovery continues to tell me it is a valid transitions because the " card was present ''. To debunk this claim that my Chase Credit Card was " present '' at a XXXX store where someone purchased {$200.00} worth of items on XX/XX/XXXX... Ive sent/included : 1. The original fraud alert text message from chase that I got on my phone - in which I replied NO I did not make the transaction 2. The fraud alert email from chase- which I received right after the text message 3. A police report they made me file detailing the activity of fraud with my local police department 4. A recording they made me get of a phone call between me and the manager of the XXXX from the night of the fraud - in which he clearly says there was fraud and retells the same series of events as I described many times 5. A TRANSCRIPT of the phone call with the XXXX manager who WITNESSED the FRAUD because their system wont accept audio files or open the link I sent with the recording after they made me get one...

In addition, they have record of me calling into their customer service moments after I received the fraudulent alerts, in which the agent recognized the fraudulent activity and cancelled my credit card and issued me a new one immediately. 

I've talked to countless people their and after reviewing all this evidence and making me jump through hoops to get it, they continue to tell me it was a " legitimate transaction '' for {$200.00} at XXXX because the " card was present '' ... 

If I have to pay for this fraud I will ABSOLUTELY be closing the card and re-assessing my relationship with chase which includes 5 years of loyalty, 5 personal credit cards, and 3 business credit cards, with no defaults and a history of always on-time payments. 

I am truly appalled with how Chase has handled this...
Product: Checking or savings account

On XXXX XXXX someone scammed me in XXXX. I called mt bank the same day to let them know what is going on. The person assured me that they can resolved the problem. I called twice a day for three days straight to update them. I even filed a police report and have a detective on my case. The fifth day I called and a different person told me that the first three chase agent I spoke to have me misleading information. They will do nothing about my case and I didnt even have a case. They basically didnt even try to resolved my scammed iod {$2000.00} and gave me misleading information and refuse to do anything at all.
Product: Checking or savings account

My account with chime was closed, I sent out proof of income, residence, and my ID. And still have not received my money. They are trying to keep my money and I dont appreciate that, it shouldnt take that long to give someones money back and My attorney already knowings and Im going to file a law suit if my money isnt returned
Product: Vehicle loan or lease

Westlake Financial repossessed my car on XX/XX/XXXX. When the police told me the car wasn't stolen it was repossessed I immediately call them to find out why. They claim I never paid them for 5 months. They say that XXXX XXXX XXXX XXXX and XX/XX/XXXX were never paid. But I did pay them, each of the 5 months. They told me I have to file a dispute with a recovery supervisor and send proof into them. So that's what I did. I emailed all my bank statements over to them showing each payment was made. But they seem to just be disregarding these payments. They're telling me I have pay them the entire remaining balance of the loan off if I want my car back, which is {$24000.00}. They had no right to come and repossess my car to begin with so how can do that and then demand I pay them the full amount of the loan or " say goodbye to my car '' because it will go to auction in 10 days. What they're doing is unethical and wrong.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX GA XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

Debt collector is trying to hold me responsible for fraudulent account..
Product: Credit reporting or other personal consumer reports

l, the consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 also please note I am the natural person writing this statement with no help with a 3rd party. the accounts on my report are inaccurate and needs to be remove XXXX shows a incorrect balance and last date of activity is also inaccurate XXXX XXXX last verfied and date of last activity are also inaccurate. XXXX XXXX date of last activity and date open are inacurrate. 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also 15 USCi ( 5 ) says Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly 15 USC 1681 S-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Money transfer, virtual currency, or money service

On XX/XX/year> XXXX XXXX, I did a purchase with paypal, The Paypal company instead of using the type of source to pay a particular bill or order that I had with Walmart they are picking and choosing which accounts to take out the money and using their available credit tour on their website last, by doing this that put me at risk of not having them enough money in another account causing an overdraft, because it's not clearly stated on the website with PayPal that some of this money is coming out of my checking account, I find this practice deceiving, non trustworthy, and sneaky
Product: Checking or savings account

I have spent nearly 2 months, 2 in person visits, and several hours on the phone trying to recover {$2200.00} that was stolen from me. 

My wallet with ID and debit card was stolen from me in XX/XX/XXXX. I immediately notified the bank and felt I should close all 6 of my accounts, but I was assured by the fraud department that extra security measures would be placed on my account. They informed me that the extra security would mean that no business could be conducted on any of my accounts over the phone or in the drive thru lane. I would need to go inside and present 2 forms of identification. 

At the end of XX/XX/XXXX, a theif impersonating me presented a stolen check written to me to be cashed. The teller cashed this check in the drive thru lane with only my stolen driver 's license for identification! When a stop payment was made on the check by the other victim of this theif, SunTrust removed the money from my account.

I was originally told it would take 15-30 days to investigate ( which I felt was ridiculous as this was not regular identity theft, this was 100 % Teller error! ). I was told on at least 5 different phone calls that I would receive a phone call within 24-48 hours and it has never happened! In all of this time I have received 1 email which required me to return a signed affidavit. This was almost 2 weeks ago. I emailed the affidavit right away and immediately received a notice that the representative was out of the office for several days. I've sent 3 more emails to this representative, with no response.

I am at my wit 's end. I have been a SunTrust customer for almost 20 years and am beyond dissapointed. I want my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00}
Product: Checking or savings account

Bright Money withdrew {$39.00} from my bank acct. without my consent or knowledge.
Product: Checking or savings account

They took {$360.00} from my account without me authorized it to put it toward credit card debt when payment arrangement was already set
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a trial of the XXXX XXXX service on XX/XX/XXXX. Their terms state that there would be no billing if canceled within 30 days. Because I did not see value in the service, I canceled on XX/XX/XXXX ( and have an email from them confirming this ), but I was billed {$24.00} on XX/XX/XXXX. At this time, I logged into the Experian website and removed my credit card information, but then they somehow billed me *AGAIN* for {$24.00} on XX/XX/XXXX Fortunately I am very proactive about monitoring my credit card transactions ... I would imagine that there are many people who they're billing without authorization who never even notice. Whether it's intentional or due to ineptitude, there is zero excuse for a company of this size to be doing these kinds of things. Even more troubling is that I removed my credit card information from their site after the first unauthorized billing, so it's clear that they are continuing to store my financial information against my wishes. Please look into this. Also, please note that I have already filed disputes with my credit card company ( XXXX XXXX ) and will get the money back from them, so I don't need a refund but am instead hoping that you look into potential widespread unauthorized/over billing practices on the part of Experian. Thank you.
Product: Credit reporting or other personal consumer reports

Dear, XXXX  I am writing to dispute the reporting of inaccurate late payments on my credit report Acccount # ( XXXX ) for the dates of XX/XX/XXXX and XX/XX/XXXX. These entries are incorrect, and I request you investigate this matter and update these alleged late payments to an on-time status in the payment history. 
As part of this dispute, I demand that XXXX  provide the method of validation used, including all correspondences with any parties who claimed to validate these alleged late payments. This should describe the procedure XXXX used to validate the accuracy and completeness of the information being reported. Please provide the names, positions, work phone numbers, work addresses of individuals who were involved in this validation process. Thank you for your attention to this important matter. I expect a response within the mandated 15 day period per the FCRA, beginning upon your receipt of this dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct XXXX XXXXXXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

I sent a letter on XX/XX/year>, asking them to reinvestigate XXXX XXXX XXXX acct XXXX XXXXXXXX I got the investigation back, but nothing was updated or modified. 

So I requested a description of the reinvestigation and they did not provide me with one which is a violation of 15 USC 1681 i ( 7 ).

They also violated 15 USC 1681 i ( 5 ).

Please look into this matter.
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 a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for 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. I am including those aforementioned items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, H XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX CARD XXXX Balance : {$5600.00} XXXX CARD XXXX Balance : {$5500.00} XXXX BANK XXXX XXXX XXXX XXXX {$2900.00} XXXX BANK XXXX XXXX XXXX XXXX {$1300.00} TD BANK XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX Balance : $ XXXX XXXX BANK XXXX XXXX Balance : {$2900.00} XXXX BANK XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1600.00} XXXX CARD XXXX Balance : {$5600.00} XXXX CARD XXXX Balance : {$5500.00} XXXX BANK XXXX XXXX Balance : {$2900.00} XXXX BANK XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX 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 XXXX5 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.