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

I have a XXXX Credit Card through Barclaycard. The card expired in X/17. When I received the new card in XXXX, I did not activate it ( as I was not planning to use it ). They sent an email on X/XX/17 that a payment is due and payment was due X/XX/17 ( I thought the time when a statement is sent and payment is due is more than 10 days, am I wrong? ) Since I had not charged anything on that card for years, I just deleted it. Then today I get a notice that the payment is past due. I looked online since they did not mail me a statement and there was a charge on XXXX for XXXX in the amount of {$11.00} -- followed by another charge of {$11.00} on XXXX for XXXX. Then they charged me {$24.00} for late payment fee on XXXX and interest charge of {$.00} on XXXX. Then to add insult to injury, there was a charge of {$9.00} dated X/XX/17 from XXXX XXXX. None of those charges are mine. ( I have never had XXXX -- do n't know how to use it and sure do n't know what XXXX XXXX is ). I called the company today and complained and asked that they close my account. But I am afraid that they will post that I am past due on payment ( even though they were not my charges ). But my question is ( and complaint ) - How can a charge be posted to an account that was not activated? I think there is an employee in the institution that is looking for accounts that have not had activity for a long time and then selling that number to???. Also somebody in the inside had to activate the card to make the charges go through the system. Please check this out and let me know.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$9100.00} XXXX XXXX  # XXXX XX/XX/year> -- {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> -- {$3100.00}
Product: Debt collection

I spoke to Meridian financial services 3 times on the phone in XXXX and XXXX ( attached one screen shot from XX/XX/XXXX call ) and explained that they were contacting the wrong XXXX XXXX. I also sent them a letter on XX/XX/XXXX explaining they had the wrong person. They sent me a letter on XX/XX/XXXX, with the attached deed on some timeshare in Florida, which indicates a XXXX XXXX XXXX was on the deed, not XXXX XXXX XXXX. They obviously didn't read the deed since their letter was continuing to harass and try to collect debt from me. They never explained how they verify identity, or asked me to verify my identify ( i.e., last 4 of SSN, driver 's license, etc. ).
Product: Checking or savings account

I have a business account with Keybank for about half year. At the beginning of XX/XX/XXXX, my online banking is locked. I could no longer log in to see my account. I immediately contacted with the XXXX XXXX XXXX and Keybank online customer system. Keybank online said they could not help me at all. I need to talk to the local branch. And the people at XXXX XXXX don't help me at all. I gave all documents to them. And they still don't know why my account is locked and told me to wait and wait. And I have been waiting for over a month. I still can not access my account. And the Branch can not even print out the statement for me. I am so anxious and worried because I have no idea what could have to my account. I don't know if money comes in or who takes out my money. People at XXXX XXXX don't want help me and I don't know what I can do.
Product: Credit reporting or other personal consumer reports

Equifax has requested identifying information for a second time to assist them in locating my credit file due to what I sent previously being deemed to be illegible, that I retained copies of, which the other two bureaus dont seem to have a problem doing. This seems to be a delaying tactic so they don't have to address my request, which is validate an item one their credit report. Regarding this item, I requested answers to the following questions : What certified documents were reviewed to conclude your investigation? Provide me with a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA i.e. Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke directly to the alleged creditor, or in this case, the entity acting as a 3rd Party Debt Collector? What is the position of your employee that spoke to the creditor? To date they have not responded to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX, {$5200.00} - XXXX XXXX XXXX  XXXX, {$4400.00} - XXXX  XXXXXXXX XXXX XXXX XXXX {$810.00} - XXXX XXXX XXXX XXXX, {$420.00} - XXXX XXXX XXXX, {$2500.00} 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. section 602 A states I have the right to privacy.

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.

U.S.C. 1681 c ( a ) ( 5 ) section states to consumer reporting agency may make any consumer report containing any of the following items of information. Any offense adverse term of information other than records of convictions of crimes with antecents to report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in early XXXX I submitted deputes with Trans Union based a credit report. 
The disputes came back as accurate, and untimely. 
I am filing this complaint because there is no way that the thoroughly investigated my disputes. 
The first of my disputes relates to XXXX XXXX XXXX. XXXX : XXXX XXXX in the amount of XXXX for a debt that is not mine. NO DATE FURNISHED FOR THIS DEBT The next item in dispute is with XXXX XXXX RE : XXXX XXXX XXXX  in the amount of XXXX. 
I did have an account with XXXX XXXX, however the limit was XXXX. and the balance on that account was less that XXXX. which was in deed charged off back in XX/XX/XXXX. NO DATE FURNISHED FOR THIS DEBT The next item in dispute is with XXXX XXXX XXXX.. RE : XXXX XXXX XXXX  in the amount XXXX. for a light bill from XX/XX/XXXX. they attempted to add this amount to my then current account at a different address. 
As a result I filed a complaint with NYS Public Service Commission in early XX/XX/XXXX. XXXX XXXX refused to validate the debt per my numerous requests. there has been no resolution to date as it relates to NYS PSC. NO DATES FURNISHED per Trans Union. 

Copies of the results from TU are attached
Product: Money transfer, virtual currency, or money service

I linked a bank account and transferred {$100.00} on XX/XX/XXXX. On XX/XX/XXXX I was notified by Coinbase that the transaction was reversed due to nonsufficient funds. I checked with my bank, who confirmed that the transaction completed. I have emailed Coinbase everyday for over a week without any response. The only thing I receive is an automated message that they received my email message.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX, upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

I paid off my credit card XXXX XXXX through USAA with an outside Bank routing number and bank number online. Through their app the information, I put in for to pay the debt {$3200.00} the information for that bank paying the debt was totally ignored and they withdrew the funds from my personal checking account that's on file with them. XXXX XXXX. This transaction took place XX/XX/2019. I did not authorize the payment from XXXX XXXX. The debt should have been paid from XXXX XXXX XXXX XXXX XXXX from the information I put in online. I discussed the problem with the credit card company was told they couldn't correct the situation for 10 days I couldn't believe it.my money is going to be floating in cyberspace for 10 days and I have nothing to say about it but they can withdraw it within minutes.ask for a supervisor in the reps put me on hold for more than a half-hour I hung up credit card companies got way too much power consumers have XXXX near zero power and situations as such as this. Hope you're able to help in some way
Product: Debt collection

XXXX attempting to collect on behalf of speedycash. Ive not received proper correspondence from either company in compliance with FDCPA nor FCRA
Product: Vehicle loan or lease

I bought a car Mercedes Benz XXXX XXXX XXXX from Mercedes Benz of XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) on XXXX XXXX. In the process of buying the car, I purchase the following : - 1. GAP insurance {$1000.00} 2. Mercedes Benz maintenance {$2800.00} 3. Mercedes Benz Tire and Wheel {$2400.00} 4. Mercedes Benz Extended Limited warranty {$5700.00} 5. Mercedes Benz Windshield protection {$1100.00} 6. Total of {$13000.00} of extra service On XXXX XXXX The car was involved in an accident which is 100 % could of the other party and my car was totaled, I went and file the cancellation of the extra service and requested a refund however I am still waiting for the refund and haven't received any money that I have paid. Please advise if you can resolve this issue Best regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cant get credit report scores and they did not fix violations to your consumer statues and of congress XXXX equifax and XXXX equifax gave me a D on business credit and XXXX and XXXX has me at A discrimination
Product: Prepaid card

I logged into the American Express Gift Card website to check the balance ( {$100.00} ) on my " Gift Card '' and noticed that a Hold was placed on it. The website stated you must contact the number listed on the back on card, which I did on two separate occasions ( XX/XX/year> & XXXX ). Both instances were the same song and dance : 1 ) Call number and enter your card info ; request contact with a " customer service rep '' 2 ) Rep answers, asking for first name and then places you on hold 3 ) Rep returns stating there is a Hold on the account due to what appears to be fraudulent activities and that they must transfer you to someone that can issue you a new card and places you on hold 4 ) Rep returns stating everyone is busy at the moment and they can try again or you can call back later
Product: Student loan

Like many Americans, my wife and I have been paying student loan debt for the last 17 years.     During the consolidation process in the  XXXX  's our loans got locked in with 7.8 % interest rate, even though some of the loans had lower interest rates we figured it would be easier to manage the loans.   After the consolidation process-I was paying between $ 500-600 dollars a month on my student loan but because of the 7.8 % interest rate and several forbearance periods on the loans, the initial principal balance kept growing out of control. Besides the interest growing out of control it was also hard to keep track of who was servicing the loans. The loan servicers kept changing for both my wife and I, from  XXXX   XXXX  to  XXXX   XXXX  to  XXXX  to Great Lakes, etc. we were not able to keep track of the payments we had made and the manner the loan servicer was applying for our payments. Each time the loan was sold or taken over by another servicer, they only showed the amounts from the time they received the loans and did not easily include past loan info from the other servic er ( s ). At one point a l ump sum payment in the amount of {$5000.00}, to my wives loan was completely applied just to interest and we saw no real drop in the amount owed.     My wife and I suffered a tremendous loss during the financial crises of   XXXX  . Our savings and business were practically demolished. It was at this point, I reached out to my loan servicer and asked if I could negotiate a lower interest rate for the student loans, but I was denied. I was told that since we had consolidated a few years earlier, we could not reconsolidate and there were no other plans or income repayment opportunities. My only recourse was forbearance or deferment. I realize there are a number of income repayment plans now available and that works for new student loan borrowers, but it does n't do any good for older student loan borrowers that got trapped during the financial crises. Most our loans are loaded with interest and without the ability to renegotiate.   Why is it that most banks got close to 0 % interest loans to pay down their debt during the financial crises of  XXXX - XXXX , and y et US Citizens with  student loan debt were not able to get refinancing and debt relief for whatever reason and were only provided with options that increased our debt load, and is keeping us tethered to unreasonable interest rates, unreasonable length of time for paying said debt and directly affecting our ability to purchase a home or property.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX, XXXX  and Experian Reports there are to many inquiries that I did not authorize. 

It is very disturbing that these inquiries were made without my written consent or knowledge and I would like them removed immediately please. 

Thank you, XXXX XXXX Please see report pages with the inquiries that I did not authorize or consent to.
Product: Debt collection

About XXXX years ago, I was acting as a real estate developer with three other gentlemen. We had relationships with multiple banks, including XXXX XXXX, XXXXXXXX XXXX  and XXXX XXXXXXXX XXXX to name a few. With XXXX XXXX, we took out a $ XXXX business line of credit. The market collapsed. Our real estate projects halted and got foreclosed upon, as did our line of credit. Since we had nothing, we had to let the various projects fail and foreclose. We worked with the bank on maximizing the sale price to minimize the deficiency. XXXXXXXX XXXX  failed. They were absorbed by California Bank & Trust, as well as all it's loans it carried. They had a loss share agreement through the FDIC. The line of credit was foreclosed upon in XXXX ( see attached ) for approx. $ XXXX ( principal and default interest ). 
The bank never tried to collect on this and other judgments it received from us. I have attached the judgments. The bank let two lapse ( see attached ) for the full ten years and this was lapsing in two years. I have no doubt they would have let this lapse on the XXXX year anniversary in XXXX without me or my former partners having had to pay a dime. 
Earlier this year, my wife and I decided to move forward with a remodel. The bank we were going to for the loan wanted all judgments and liens removed prior to issuing a refinance. This meant the $ XXXX XXXX judgment. 
I approached the bank via phone earlier in the year and followed up XX/XX/XXXX with an email ( attached ). I was told by XXXX XXXX, the best course of action is to go through an attorney. So, I hired XXXX XXXX XXXX, a local law firm. My attorney, XXXX XXXX reached out to their attorney to discuss. They asked for a personal finance statement and tax returns. I promptly provided. They spent months going back and forth and basically got nowhere. The bank was not responding. 
Finally, on XXXX frustrated and have spent considerable money, I attempted to reach out to XXXX XXXX, who eventually put me in touch with XXXX XXXX. XXXX reached back out and requested a copy of my XXXX tax returns ( which I had not filed ). After finally providing post filing, I sent over to XXXX. He went radio silent again. I reached out again and finally got a hold of him. He the asked I provide an update of the personal finance statement. I immediately complied. 
XXXX replied he would be lucky to get back to me ( because of his heavy workload ) within 30 days and, if that happened, hope to have this settled by XXXX. He never said it would take this long ( as he referenced in his email ). 
This time frame will, more than likely, cause me to lose the loan, cost further money and mental anguish to me and my wife. It is ridiculous that I am trying to pay them something when this was not on their radar ( since they were not looking to get paid ). Now, I must wait another three ( 3 ) months to possibly clear this. 
While I feel they are stretching this out, there is no reason we can not come to an agreement quickly and easily. They are just stretching this out needlessly and, quite frankly, cruelly. They are playing with our lives and our livelihood.
Product: Checking or savings account

I saw a promotion for Citi Bank and it stated that new account holders can earn {$300.00}. Please see below. 

New checking customers can earn a {$300.00} cash bonus by opening an eligible checking account from XX/XX/XXXX to XX/XX/XXXX with qualifying Enhanced Direct Deposits and completing required activities. See offer details. 

In order to get the deposit you have to set up your account from the page advertising the promotion and follow the 3 simple steps that have to be completed within 90 days of opening your account. 

The 1st requirement is to open a new Citi checking with Enhanced Direct Deposits and enroll between XX/XX/XXXX and XX/XX/XXXX. 

The XXXX requirement is to Deposit at least two Enhanced Direct Deposits which can be made via recurring paycheck, pensions, XXXX, XXXX, XXXX, etc. that equal more than {$1500.00} combined. 

The 3rd step is receiving the {$300.00} bonus within 30 days of completing the steps. 

( All of this information can be found on their website at banking.citi.com ) I decided to sign up on XX/XX/XXXX. I completed all steps by XX/XX/XXXX and when I did not receive the bonus, I followed up by calling representatives. Every representative I spoke with claimed that they were unaware of the promotion, even though it is the first thing listed at the top of their website. I read the steps and asked if I could be given a reason why they are choosing not to honor their promotion and was informed that a dispute has been filed. The representative could not even tell me what the dispute was for and kept asking me for a code. After the 3rd failed attempt of speaking to representatives, I asked to speak to a supervisor to file a complaint and the supervisor was also not aware of Citi Banks current {$300.00} sign up bonus. I was given a fax number and told to submit proof of said promotion which is ridiculous because I only know of this promotion, due to it being on the companys website. I have signed up for accounts in the past and never experienced this. Upon further review, I found others complaining of the same issue with not receiving their deposits and being told by representatives over the phone that they are not familiar with the bonus. Im not sure why this is such a hassle but I would not recommend Citi Bank based my current experience.
Product: Debt collection

On XX/XX/2023 communicated with employee, XXXX XXXX, our situation on a recorded line. XXXX XXXX, in exchange for payment a deletion letter can be issued. XXXX stated it would be issued after payment is processed and that it falls off the credit report every XXXX I paid the total amount of {$500.00} in full XX/XX/2023. XXXX assured I would receive the deletion letter. Followed up with XXXX XXXX on XX/XX/2023 regarding the fact that we had not received the deletion letter. XXXX stated he would put in another request. Followed up again XX/XX/2023 and received another story. First woman I spoke to said a deletion letter is not possible and they could give a {$0.00} balance letter. Transferred to XXXX XXXX again, now XXXX states a deletion letter is not possible. Asked to speak to a supervisor, they told us there is no supervisor and they dont take calls. Received {$0.00} balance letter. Today, XX/XX/2023, my mortgage broker and I contacted the company again requesting a supervisor. We were transferred to a voicemail. Due to not receiving the deletion letter, as promised we now have a higher monthly mortgage payment. This is unethical business practices under false pretenses.
Product: Checking or savings account

I was scammed by a job posting and they sent me fake checks and my bank Usaa is not helping me even though I reported and filed for chargebacks.
Product: Credit card or prepaid card

Hi, I have a Chase credit card just one. I havent used it in a while. It had a credit on it and every month Id get a statement in the mail telling me that I owe nothing and there is a credit. I thought the ethical thing to do was to call and have them issue me a check for the credit amount. They did. I brought the check to Chase and they wouldnt cash it, ostensibly because I have no checking account at Chase Bank. I dont, thats true. All I have is a credit card, which I dont use. So, basically, I received an uncashable check from them. It would cost me more to open a checking account at Chase than the check is worth. 
Just thought consumers should be aware of this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this complaint regarding inaccurate information on my credit report from '' EXPERIAN " Most of the account does not belong to me and was opened when i was a minor, these accounts are inaccurate fraudulent, misleading and hurting my credit scoring and effecting my financial ability. and also keeping me from getting good opportunity out there like getting student lone, car loan and other credit card, and my personal information are also inaccurate like my name ETC.Most of these account went into collection and my bank account are in danger of being freeze .these negative information only showing on Experian none of the other agency are reporting any negative info I think its very irresponsibility of EXPERIAN that they have not taken any action on my so many requests, I hope Experian will take action this time