23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I moved to Arkansas in 2020. At the time of moving, me and my spouse left our accounts acitve with Vystar Credit Union. Recently, I was surprised about a collection company XXXX which I originally thought was a scammer. I called them and ask them what it was and I confirmed that they are the collection company working with Vystar. They told me about the collection in the amount of {$57.00}. Since I moved to Arkansas, I have never used the account and I have lost access to it. When I called XXXX, I asked them what the charge was about and who the vendor was, they had no information about it. They told me that I can file a dispute so that Vystar maybe be able to provide the information I need. Prior to that, I called Vystar about my account, but they have no information and can not tell me what it was and I assumed they closed it. Assuming that they have closed the account, I am certain that they should still be able to access the information so that I will at least know what the charge was for. After XXXX filed the dispute, I received a notice from the credit union XXXX that my credit score took a deep dive and that one of my accounts fell delinquent. When I checked, Vystar decided that they will write off the {$57.00} and call it a loss instead of trying to give me that information I want and would have paid it. They resorted in reporting it to the credit bureau to punish me and tank my credit score for this small amount. For the last 10 years that I have had credit cards and loans, I have not missed any payment whether large or small. When I filed a dispute, I decided to just pay it no matter what since they already did that to me. But when the dispute results came out, they still insisted that it their records were accurate. I am coerced to pay something that I have no idea about because they will not provide the information I needed but even after that and sending them proof of payment from XXXX, they still insisted that their records were accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I was charged a fee of {$21.00} by Experian for their HIGHEST LEVEL of consumer services. This apparently was initiated because I fell for a scheme to pay {$1.00} for a " One-Time '' credit report. The MOST TROUBLING ISSUE began on XXXX when I attempted to call the company to have the charge reversed. Initially, I was met with a requirement to " speak or enter [ my ] nine digit social security number ''. During that exchange, I attempted everything I could think of to avoid providing my ENTIRE SOCIAL SECURITY NUMBER simply so I could speak with a human. Ultimately the system disconnected the call. I then searched for, and found, 7 additional phone numbers in an attempt to speak to a person regarding the billing issue. To my shock ( disgust ), I discovered that there is no method of contacting Experian unless I am willing to provide my entire S.S. number! ( Yes, I called all seven numbers ) The number shown on my VISA billing statement is XXXX. And, the four most prevalent phone numbers found on the internet are : XXXX, XXXX, XXXX, XXXX. 

Out of frustration, I called VISA and proceeded to speak to many different departments. After 75 minutes it was determined that unless / until I contact the merchant ( Experian ) " we can not take action on your behalf ''. At that point I had invested 3 hours and 35 minutes, so I placed another call and did exactly what Experian designed into their telephone " greeting '' ... I provided my entire Social Security Number! Followed by : My home address, date of birth and previous home address.

Eventually, the person to whom I spoke was able to provide a " one-time courtesy refund '' for the one month charge of {$21.00}. But NOT BEFORE she did her best to get me to agree to any one of the SEVERAL DIFFERENT MEMBERSHIPS she offered. Only after thoroughly explaining that I will never be a customer of theirs, did she finally understand she was wasting her time. 

This practice of requiring a person 's S.S. number simply for the ability to speak to their customer service personnel, is an absolute breach of trust and a profound example of strong-arming their potential customers to provide the most intimate details of personal identity. The ultimate irony is that this is a " Credit Protection '' company ... but worse yet - I learned that the service for which I was billed was being provided by a company unrelated to Experian. It was a company that paid a licencing fee to use the Experian Brand!! If that doesn't make you scratch your head, I don't know what will.
Product: Credit reporting 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 FRAUD yet I have an Account passed on that should be taken out or blocked. 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 XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$21.00} XXXX XXXXXXXX XXXX Balance Owed : {$65.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance Owed : {$740.00} XXXX  XXXX XXXXXXXX Balance Owed : {$90.00} XXXX  XXXX  XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

I called in XX/XX/2018 to argue about the amount of XXXX that was billed to my account. I never received my JC Penney Credit Card through mail. Someone else must have received it and used it in other stores. I called Customer service and i was told they would clear my account. I received another statement this month of a bill of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX my dispute of a questionable reporting from Prosper Marketplace via certified mail # XXXX XXXX XXXX XXXX XXXX was returned to sender. 

The address on my credit report showed as XXXX XXXX XXXX  in XXXX XXXX, CA as of XXXX/XXXX/XXXX which was the date the letter was drafted. 

More than 30 days has passed without a response. Per federal regulation this item must be immediately and permanently removed from my XXXX XXXX and XXXX credit reports. Please see attached dispute and supporting docs. 
My dispute requested that Prosper provide the substantive information used to verify and authenticate the purported account. I have suffered identity theft breaches in recent years and require this information. The failure to respond within 30 days constitutes an immediate removal of this item from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - open XXXX XXXX - closed/chargeoff Chime/XXXX  - open XXXX XXXX - Status - paid /closed XXXX XXXX XXXX - open In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX Bank the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously Experian, XXXX  ( who runs private servers on the open internet with admin and password123 leaving millions of Americans private information exposed including my own ) and XXXX  are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.
Product: Student loan

I had countously time called and talked to Navient about them helping me start a repayment plan that will be affordable for me. After speaking with them I told them to help generate a report for me to see so I can see it in detail but I never recovers anything. So when I tried to connect with them again regarding the report and the repayment program, they kept saying that they will have something for me in the next few days. Then when I saw the new payment reflected my account I had to pay, it was more than what it was the first time theyre charging me. Furthermore, I reapplied for the repayment plan and then all of sudden they came up with XXXX dollars for me to pay so I went and go ahead and paid for the first two months now and when I looked at my account history he two months Ive been paying for was only Going towards the interest to the organization and not even towards my principle I took out. Im very frustrated and I need your help to demand them to stop my loan. Its something I can not trust them with anymore. Please contact help me with what you can. Thanks you!
Product: Checking or savings account

Banking with XXXX, I have had to close my acct three times in past 2 Months. 

Fraudulent activity such as people paying bills with my accounts to companies of whom I do not know. 

Fraudulent attempts on my account from phone number XXXX Trying to get personal Info in order to take money from my account.
Product: Vehicle loan or lease

I received an adverse action notice in my email from westlakedirect.com that I had been denied for a loan. I never applied for a loan with this company. I have tried calling this company several times. I was told to call XXXX but no matter what option I choose, I get a message immediately that no one is there to answer. I have had to freeze my credit with the credit bureaus. There was a file attached called an adverse action notice telling me that I had to use the last 4 digits of my SSN as the password. I did not open the document.
Product: Credit card

I closed my Macy 's credit account leaving a XXXX balance but two months in a row they continue to charge me a fee. The first month was {$4.00}, I paid the amount thinking maybe I stilled owed something, Then the following month again the now charge me {$2.00}, I believe this company is taking advantage of consumers.
Product: Credit reporting or other personal consumer reports

XXXX : # XXXX, XXXX XXXX : # XX/XX/2024, has violated my rights.
Product: Checking or savings account

I opened an account with Truist Bank XXXX week ago and deposited {$6000.00} into the account. I was informed that the funds would show in my account within a few hours. However, when I checked the account that night, I found that all of the funds were " frozen for XXXX days ''. I called Truist Bank and was told the hold was due to the deposit exceeding {$5500.00}, with no clear explanation for the extended hold. 

After waiting for a week and continuing to explain to my creditors that the bank was causing delays, I attempted to check my account again via the mobile app. To my surprise, my entire account was now blocked due to " fraudulent activity '', and I could not sign in. I called customer service and was transferred multiple times, only to be told that the account was being closed and a letter would be sent because my account was " not being accepted. '' This situation has resulted in Truist Bank taking my money, freezing it without a valid explanation, and now refusing to allow me access to my account. This has caused significant financial hardship, as I can not pay my bills or access my funds. Truist Banks customer service has been unhelpful, and they have failed to provide any clear answers or resolution.
Product: Money transfer, virtual currency, or money service

This is my second complaint from. I received a notification that Cash app responded to my complaint. I never got a response from them the first time, the second time, and now the third time.
Product: Bank account or service

On XXXX XXXX, 2015 I used my Wells Fargo ATM card to withdraw {$200.00}. Instead of issuing me the money, the ATM shut down, but did deduct {$200.00} from my checking account. That day, I filed a complaint via WF customer service ( telephone ). I was told my complaint would be settled in 3 days. After 3 days I called and was told it would take 10 days. After 10 days I spoke to WF 's ATM Manager and she said the investigation could take 45 days -- or longer. She basically accused me of trying to defraud Wells Fargo and when I asked if she considered me a criminal, she was silent. She was so abusive that I expected the police to ring my doorbell any day and arrest me! The Wells Fargo ATM Manager is an exceedingly rude, belligerent bully. Because of her -- after being a customer for 35 years! -- I decided to close my Checking Account and went to my local branch at XXXX XXXX XXXX, XXXX where I spoke to Service Manager XXXX XXXX. 

This was on XXXX XXXX, 2015. XXXX XXXX told me that because WF has issued me a " temporary credit '' of {$200.00} while it investigated my ATM claim, I could not close my account. On XXXX XXXX I wrote WF CEO XXXX XXXX a letter explaining what happened and telling him that WF was holding my checking account hostage ( not allowing me to close it ) and I offered to let him keep the disputed {$200.00} -- just let me close my account!!! He did not respond. Around XXXX XXXX, I received a letter from WF saying the company was still researching my complaint. On XXXX XXXX, I sent another letter to XXXX telling him again that I want to close my account, and I included a check for the disputed {$200.00} hoping that would induce him to allow me to close my account. Did n't happen. 

Around XXXX XXXX, I received a letter saying that the claim was finalized on XXXX XXXX in my favor. With that notice Wells Fargo was, in my opinion, admitting that I am not the criminal that the ATM manager called me. I did not try to defraud the company, something I knew all along. 

At the end of XXXX, I received a call and letter from XXXX XXXX, ATM/Debit Card Executive Office. We spoke around XXXX XXXX. I told her I want to close my checking account and asked if I could do it over the phone. She said yes and put me in touch with someone who took all of my information and said I would receive a check for the remaining balance in the account ( {$1500.00} ) within five days. I just looked at my account online a few minutes ago and it appears not to have been closed and the {$1500.00} remains in my account -- unreachable by me. If I try to write a check against the {$1500.00}, WF may claim that I knowingly wrote a check against a closed account, even though the account appears to be open. So the money just sits in the account, frozen in time. 

What must I do to close my checking account with Wells Fargo? It has been more than 90 days since the ATM incident and it 's going on 3 months since I first tried to close the account on XXXX XXXX. In the meantime WF has my money and is not letting go.
Product: Credit card or prepaid card

I've been a Capital One credit card customer for over 15 years. It's unbelievable that although I've pleaded for assistance, no reasonable options have been provided due to Covid19. In the beginning of the pandemic in XXXX state shutdown, I requested payment assistance on all four credit cards with Capital One due to Covid19 unemployment. I was denied assistance on three of the Capital One cards, which caused the accounts to be in default. Rather than offer assistance, Capital One put restrictions on my accounts, and continued to charge late fees and high interest rates. Two of the cards ( XXXX and XXXX ) have been permanently closed due to Capital One failure to provide assistance. 

When I requested assistance several times for the closed accounts, Capital One representative informed me that there were no payment assistance available for my cards. Yet, the website contradicts this statement, and other cardholders were provided with deferred payment due to Covid19 ( see attachment ). Although Capital One provided deferred payments on the Walmart Capital One card, the delayed payment accumulated into an outrageous monthly payment ( {$720.00} min. ), with interest and late fees. I received an email from Capital One offering to work with me only with the Walmart credit card, but not one offer on the other cards were offered.
Product: Credit reporting or other personal consumer reports

Opened my first credit card with Capitol One Financial Corp in XXXX with {$500.00} limit. Ive worked super hard to get an increased limit of {$7300.00} as of XXXX. 

Heres the issue. Capitol One last reported to XXXX XX/XX/XXXX. As for XXXX XXXX XXXX they have no records of my account with Capitol One. Capitol One claims they report to all 3 Credit Bureaus every 30-45 days on their website yet this is totally incorrect and legitimately hurts my credit score based on average account age. As mentioned this was my first credit card and I trusted Capitol One to do right by consumers including myself. 

Spoke to representatives on numerous occasions and all that i was told was to file a dispute via writing a letter and sending it via postal mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Could not freeze my account. Tried for three hours by phone and electronically. Could log on but could not freeze the account. Company was not helpful. Multiple circular unproductive persons tried but failed and no one could connect me with the right technical support to fix the problem, despite escalating the case. This is a security issue. My accounts were previously hacked and I am an attorney. I need this account frozen when requested and unfrozen at my request when my insurers and creditors need to check credit. 

Transunion is unresponsive and uncooperative. This has been the case for the entire history of the company. Please take action to force them to improve or shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX negative Date opened XX/XX/XXXX Balance {$270.00} Status Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4200.00} XXXX Account charged off. {$4200.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Collection account. {$4300.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Collection account. {$5300.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2.00}, FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : not my names XXXX XXXXXXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX XXXX XXXX was placed on my credit file on XX/XX/XXXX and its been on my file for 7 years. I requested for this item to be removed from my credit file on XX/XX/XXXX. And I received an alert from Experian on XX/XX/XXXX stating that the account will remain on my credit file. According to the Fair Credit Act Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX reported account closure on XX/XX/2024 ; however, I was never notified of this and the account is still open per the online account access showing the available credit.
Product: Mortgage

I am currently attempting to assume and modify a loan under which I am currently the executor of the estate since the death of my relative. Chase is asking me to do illegal acts in order to modify and assume the loan such as file quit claim deeds on behalf of my deceased relative and to pre-file the quit claim deed that is to be filed to remove my sister from the estate. I live in the home and they are not working with me in any way in order to keep the home. I have been going through this process for 6 months and today I found out my case was denied because I did not file a deed that it is unlawful to file. Please help me to know my options in order to keep my home.