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

I opened a account with Card.com that gives you checking account through XXXX XXXX XXXX On XX/XX/2021 I received {$18000.00} from stimulus.. I used my card for purchases etc. Then I get message that my card was closed for suspicious activity. I then contacted Card.com about my balance {$440.00}. They state " I need to send them copy of my drivers license, social security card, piece of mail to verify address, and letter of recall from IRS. So I then write IRS telling them what is needed. I get all documents and send to Card.com ''. I call them two weeks later after mailing they said they didn't get them to upload them on verify @ card.com so I did. I call two weeks later they said it was pending. I told them " Your terms and agreements state that if Card.com closes account a check will be mailed within 7-14 business days and Card.com closed the account without my permission so Card.com needs to honor their terms. The lady hung up on me. I call back they tell me to fax the documents XXXX so I did this. I have even requested a arbitration under their agreement without response. I again, again, and again have mailed documents with threatening of class action law suit. I have read so many complaint and reviews that this company closes accounts and keeps the balance in the account. I have emailed, mailed, and faxed documents they requested without any acknowledgement!!! The account number is XXXX the routing number is XXXX the card number is XXXX XXXX XXXX XXXX. There is got to be someone who can help me get my money it has been 2 years dealing with this company with no closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to which is reported erroneously. I am in desperate need of these items to be INSPECTED and blocked. 

XXXX  XXXX & XXXX  XXXX
Product: Credit card

I have a dispute with my XXXX XXXX credit card. They are holding me responsible for a XXXX  membership that I do not have. I disputed this back in XXXX and they just charged it back to my account on XX/XX/XXXX stating that I am responsible for this charge and I do not even have an account with XXXX. When I request to escalate the manner they put me on hold and leave me waiting or hang up. This is unacceptable and the customer service is horrible. How do you hold someone accountable for a charge that is not theirs!
Product: Debt collection

After multiple disputes, TD Bank has continued to report invalidated account information to the three credit bureaus without proper validation per the FDCPA and the FCRA. There has been no proof of a signed contract with my signature on it or any documents stating that I agreed to pay TD Bank.
Product: Checking or savings account

XX/XX/year> chime is holding funds sent to me from IRS and refusing to release, and threatening to hold funds and close my account, I was once told they'll reverse them back to irs but without any explanation. And I received a email at XXXX asking for personal information my 1040 tax State and an ID, I complied and that's when I was told they don't know what I was referring to, and that they will hold funds and close my account.
Product: Credit card

Hello. Yet again USAA is trying to charge me XXXX from my stolen debit card by stating they had my personal information. They stole my license and my fidelity card and my health insurance card while in XXXX Florida. XXXX caught the first transaction immediately. They saw it was fraud. USAA let them charge close to XXXX with out a word. They are saying it was me die to them having my information. First off they had my licenses and other items listed above. Second I am the only XXXX XXXX in the XXXX. They could find plenty of information even online. USAA is stating I need additional documentation. Yet dont accept fidelity information whom caught the first XXXX charge. There are no police reports now per Florida as there were no police reports for the employment scam which they are now saying numeric was used. Well if course as if you look at those notes I was hired as a personal assistant conducted interviews and received an offer letter. I called Usaas the ensure the checks that were sent by Aka employer and they send they had gone through on both ends. So I used the moneys to perform duties. Yet now the stolen debit cards. XXXX protect and USAA let them charge close to XXXX without a warning. Now I nee to provide other information. Per their rules I am to call immediately and report a stolen card which I did. I followed the rules. I called XXXX and everything was resolved immediately. USAA has yet again put me in a position where I cant access any moment with a negative balance of close to XXXX. Enough is enough. The card was stolen and I have rights. Please assist.
Product: Debt collection

This Met credit XXXX in the amount of {$3600.00} does not belong to me. 

It was a XXXX account opened by another customer that somehow got linked to my name and credit. The address, email and phone on the account in collections does not match any of my records and I have never held these services with XXXX. I didnt get any notification this account was in collections because it wasnt my information on the account. 

The XXXX account was opened in XX/XX/year> for internet and tv service. The account number with XXXX is XXXX and the original balance was {$1100.00} - all this information was received by a XXXX rep when I called. The name on the account was XXXX XXXX ( maybe incorrect spelling ) My case number with MET is XXXX. Last I heard XXXX was sending something to MET to say it wasnt mine, MET hasnt received this letter. Both companies are claiming the other holds the debt.
Product: Money transfer, virtual currency, or money service

I just realized my accounts are overdrawn and am owing money I don't know about. Please kindly get the culprits down.
Product: Credit card

Discover has suspended my credit card which has always been in good standing. When I called I was informed that my personal loan account was 8 days past due as a result they have suspended my account. I advised them that these accounts are not linked. Their loan account is freestanding and you don't need to have any other discover products to obtain a loan thus one isn't contingent on the other. I requested a copy of my terms & conditions where this information was disclosed to me and was informed that it is not listed. That is not how things work. A institution can't make up rules as they go and can't enforce a policy that wasn't told to a consumer. This is extremely shady business practices and needs to be investigated. If this is the position of the institution consumers should be provided this information.
Product: Credit card or prepaid card

I had this account set up on auto pay to XXXX every month n my bill. I paid the bill off I assumed th auto paymnt was still set up as it is on all my other cards. I made a purchase from XXXX for XXXX. I never received a bill from TD Bank. I am set up on paperless billing. I went back through my email and can not find a bill. The monthly minimum due was XXXX with no interest. I have bever been late or missed a payment. I suffered the lost of XXXX family members. I assumed my bills were paid because I never received a notice or call that they turned off my auto pay. I received a notification that a payment was due. I was puzzled because my auto was set for XXXX. So I called TD Bank. And was advised By supervisor XXXX that was my problem not there's he removed the late fee of XXXX. I asked why I never received a bill or call. My bill was XXXX a month. So not my credit was reported as 30 days late he said. If I didn't receive a bill or they shut down my auto payment. Not my fault. I want the 30 days late removed from my credit report. I have paid this account in full and will never do business with them again. I felt like i was being discriminated against. For not receiving my bill or a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I need help Please : I need to have a meeting with you to talk about the physical damage that has come to us due to incorrect reporting by the company credit report. 
Thanks
Product: Credit reporting or other personal consumer reports

CBNA XX/XX/year> XXXX XXXX XXXX XXXX XXXX, FL XXXX This is an unauthorized inquiry. I was previously a victim of identity theft, and I have not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> Equifax has knocked my credit score down by XXXX points for removing two old Department of Education accounts. Which is rubbish. 

Also, Equifax is showing that I dont have any payment history all of a sudden. My XXXX report shows that I have 100 % excellent payment history just like I should on all of my credit reports from all three credit reporting bureaus. I am requesting that Equifax put 100 % excellent payment history on my credit report instead of putting no payment history n/a. Which obviously will continue to hurt my credit score.
Product: Credit reporting or other personal consumer reports

I engaged in a private consumer credit transaction with XXXX XXXX XXXX, and they never provided me with an adequate notice and form of my right to privacy and right to opt-out of their disclosure, sharing and reporting of my private personal information as they're required to do per 16 CFR 313.7 and 15 USC 6802. As a result of their irresponsible actions, they've reported adverse and defamatory information in my consumer reports and enabled a separate third-party debt collector ( XXXX XXXX XXXX ) to also report this adverse information on my consumer reports, further defaming my character, creditworthiness and reputation. This is not only and infringement on my right to privacy, but this has caused me double harm, as they've both continued to report the same adverse account jointly under two separate account numbers.
Product: Vehicle loan or lease

I have been trying to get correspondence regarding a repo Jefferson Capital Systems. I do know anything they report to the credit bureaus they must have proof of what they are reporting. The information must be 100 % accurate, 100 % verifiable, and 100 % timely. If they do no this is considered illegal and purposefully harmful. The reporting of this information has hindered me from obtaining credit. I have mailed two letters requesting proof of what they are reporting. Both sent certified mail ( attached ). The letters were hand-delivered to XXXX XXXX XXXX XXXX XXXX, MN XXXX. The first letter was received on XX/XX/XXXX. Since I received no response as a courtesy, I mailed a second letter on XX/XX/XXXX. Both of my letters gave them 15 days to respond. 

In my letter, I gave the specific language of what should take place if no response. " Please know this is my second time writing you with no response. Please provide me with copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle listed. If no proof is provided within 15 days of receipt of this letter, the alleged claim of a deficiency will be considered null and voided and any collection efforts or continued reporting activities of this invalid claim on my credit reports will be considered a violation. Delet this inaccurate account immediately and send me an updated copy of my credit report top the address listed above. '' I am requesting that Jefferson Capital Systems stop reporting this inaccurate information to all three credit bureaus. 

Thanks for your corporation with this complaint.
Product: Mortgage

I refinanced my mortgage and paid off the PNC Equity line in full 3 months ago. I wanted to make sure it was closed out so I logged on and realized I actually had a credit in the amount of {$850.00}. PNC did not disclose this & when I brought it to their attention a month later, they promised my refund check would be on its way. I think that is poor business practice that I had to notify them about the money they owe me but I have now called 5 times, had the exact same conversation with PNC. We go over the address, etc. PNC keeps promising I will receive a check within 5 business days. I do n't know what else to do. If I owed them the money, I would have to pay interest, etc. Loan number : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - BALANCE {$2300.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ARE THE ACCOUNTS IN ERROR:

XXXX XXXX  Original creditor: XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX  Balance XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX,SCXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Account # XXXX
Date Opened XXXX XXXX XXXX  Balance - XXXX XXXX XXXX XXXX XXXX,TXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

XXXX XXXX XXXX
Account # XXXX  Date Opened XXXX XXXX XXXX  Balance XXXX  None Provided XXXX XXXX XXXX  Account # XXXX
Date Opened XXXX XXXX XXXX
Balance XXXX  None Provided
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I have sent them documentation of police reports, federal document, dark wed usage of my personal information that has been going on sense XX/XX/2006. I requested many times that Eqifax validate to me a copy of an actual signed contract with my signature on it for XXXX XXXX. XXXX has refused to respond to my letters and faxs SO HOW CAN YOU EQUIFAX VALIDATE IT.XXXX XXXX is not a real investigation .I request actual signed contract sent to me I do not owe anything on this debt because I paid it to get if off my credit report Even tho it was not mine you are violating my rights by not sending your investigation to me or removing this from report .it is reported to the FTC also Equifax you say if I have any questions contact Vz enclosed is my tring to contact them NO LUCK that mean you didn't also
Product: Money transfer, virtual currency, or money service

Invoice Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} Payment method Online Payment Status Processed XXXXXXXX XXXX Paypal, Inc All rights reserved Paypal XXXX XXXX XXXX XXXX XXXX XXXX Paypal XXXX United States XXXX 
I called them and they tried to get my information. Some one is scamming using my email and paypal accounts
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX EXperian, XXXX  XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX EXperian XXXX XXXX XX/XX/XXXX EXperian, XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX 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 card or prepaid card

I placed an overseas order for some products I needed on XX/XX/XXXX. The total amount spent with this company was {$370.00}. They were supposed to be shipped and it never takes longer than a month to get stuff from XXXX. On XX/XX/XXXX the seller emails me and tells me the warehouse sent me the wrong goods during the shipment. I told them that would not work, I had order 25 of these certain cups for a project. On XX/XX/XXXX, I contacted the seller because it had now been two months and I had not received my shipment. The seller lied to me and told me that they had shipped on time and gave me tracking numbers for XXXX and I contacted XXXX and they told me they created a label on XX/XX/XXXX but did not give XXXX the package. They lied and said they shipped on XX/XX/XXXX. So now this was explaining why they were so late. So the seller told me he would refund the items sent by mistake and I told them since I haven't received the order to cancel it. He refused to cancel it. He said after I received the products that they will refund the money for the wrong items sent. I said no, I need 25 of the same cups for a reason and now I only have 15. He then reiterated that the 10 were going to be free and he would return then all of the money of the 15 glowing cups to me as well. So I made other arrangements to fulfill that order on what I needed because he assured me he was refunding it. When I received the cups on XX/XX/XXXX, over two months later, not only did it confirm he sent the wrong cups but he also didn't include the straws I need for the cups. The other two sets were okay. So I requested my money back for the ones he assured me he was refunding and then since I have them, they refused. So since I received the wrong products, I uploaded all of our conversation to Discover and requested the partial money back that they promised me. Discover refuses to back it's customer even though I gave them every statement where he said he would refund my money. Discover should support their customers. I wasn't asking for a full refund, I was asking for what they sent and didn't send that was wrong and what they promised to give back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent countless letters to equifax about multiple inaccuracies on my credit report. Equifax is continuing to report this account with XXXX. The original creditor who was XXXX  XXXX removed this account. However, XXXX is still reporting this. Ive attached a copy of my consumer report which indicates this debt was satisfied and deleted!!! Yet XXXX is still reporting this please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in the earlier part of last year that I was accepted in Law School so I started reviewing my credit report to make sure there were no disparities so that I could qualify for student loans that upcoming fall quarter and I discovered an student loan from Citibank was reporting a balance of {$3900.00} ( as of XX/XX/2020 {$3900.00} was written off and {$1000.00} was past due ). First I contact the company that was originally listed with Citibank on the XXXX report and they were called XXXX XXXX. XXXX XXXX informed me that they no longer had the account and that it had gone back to Citibank. I contacted Citibank right after the phone call and Citibank informed that there was no debt associated with my name or social security number after sending me to numerous departments. So I went ahead and filed a dispute with XXXX and let them know the information I was given. I began law school and started accessing my credit reports again and the account was still on there so I filed another dispute in the months of XXXX, XXXX and XXXX. To no avail the account remained and XXXX reported the debt was valid. I continued to file disputes in 2020 and called Citibank an additional 2 more time and was told every time that there was not debt for the amount listed on the credit report associated with my social security number. All of this information was once again sent to XXXX and the results of their dispute remained for the months of XXXX, XXXX, XXXX and XX/XX/2020. As of 2020 XXXX started not only reporting the possible debt as a charge off it is also reporting it as being late. This account has led me to becoming so depressed I do not see a way out. As of know I will not qualify to go back to school next Fall because I will not qualify for student loans due to this negative mark on my credit report. I am distraught because I have work so hard to get to this point in my life. If I do get to finish law school eventually I will be the first attorney in my family.
Product: Credit card

I disputed an Amazon transaction of {$310.00} with Synchrony Bank on XX/XX/year> according to the records of Synchrony Bank. This is the second dispute regarding the matter. The dispute was initially made months earlier, and Synchrony ended the initial dispute without resolution or notice. Other credit card companies provide a provisional credit for the amount in dispute until the dispute is resolved. If the resolution is adverse to the cardholder, the credit is reversed. Unfortunately, Synchrony does not provide a provisional credit, and then tries to collect the disputed amount when it collects the statement balance under autopay.
Product: Credit card

I had a fraud claim on my account and then randomly they closed my account and for some reason whenever I logged into the Bank of America app it did not allow me to make any payments to this account. I thought it had sum to do with the claim and my account being frozen or something. I have video proof of me login in to the app and attempting to make the payments and it not showing the account as an option. They ended up calling me to inform me i missed a payment and I told them exactly what happened and they never fixed it or did anything about it and still charged me a late payment fee. I ended up setting up automatic payments so it wouldn't happen again. I got confirmation from Bank of America representative that it was all set up but some how a month or so after they didn't charge the automatic payment as they should have. So they ended up charging me another late payment fee. Then I called and spoke to XXXX the escalation department manager and informed her of what happen and tried to get the fee removed but she told me the system denied the request and that there was no manual override or anything they could do about it. On top of all this they have closed my account for supposedly 'credit abuse ' when It was clearly all fraudulent transactions as the fraud claim was resolved in my favor, I informed them of this and they still haven't reopened it.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few months I've been sending letter to remove the charge-offs from my credit report. From my research these accounts have been filed on each of these companies 1099C and they are still reporting and asking me to pay this debt. Not only is it inaccurate and I've yet to receive any original documents to validate or verify this debt, I haven't received a response. Also, all they have done is take the information that I've provided for the credit bureaus to show the inaccuracies so that these accounts can be removed and update their information. This can't be legal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Gave my social said i was approved tyhen denied me the vehicle cause carmax DEMANDED CASH DOWN PAYMENT