23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been XXXX since XXXX and i was released XX/XX/XXXX to come home to find many accounts open in my name and my bank account empty.my home was broken into shortly after i was XXXX and alot of personal information came up missing and that how i believe this started
Product: Credit card or prepaid card

I applied for and received a mastercard from HSBC on or about XX/XX/2018. I activated the card online a few days later. I did not attempt to use the card until XX/XX/2018. I used the card to pay for a purchase at XXXX on XXXX XXXX XXXX in XXXX, Georgia and it was declined. I immediately called the HSBC customer service number shown on the card and after waiting on the line for over 30 minutes was told that there was a hold on the card but that she ( the person I was talking to ) could not do anything about it and I would have to talk to another department. She then transferred me to that department number where once again I was on hold for 20 minutes  before I terminated the call. The next morning I called the customer service number again and was told the same thing about the block but that the department that was responsible for resolving the issue did not work on the weekend and I would have to call back on Monday, XX/XX/XXXX, ( today ). 

Today, I have talked to the number that the customer service agent gave me and was told that they were not the right department and I would need to call another department. The agent also told me that the account could not be closed because of the hold on ; the account. I have now called that number and have been waiting for over an hour to talk to someone in the department supposedly that can resolve the issue. After waiting on hold for over an hour and 26 minutes I terminated the call without speaking to anyone. 

I want to cancel the card and end my relationship with HSBC but can not get to the right department to do that. The account has never been used and I am concerned that something could be put on the account and I will not be able to contact anyone about it.
Product: Credit card or prepaid card

I purchased a {$500.00} American express gift card from the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX RI on XXXX/XXXX/XXXX. I used the card normally over the next month. It remained in my possession in my wallet expect when it was being used for purchases. On XXXX/XXXX/XXXX, four fraudulent purchases were made over the internet using my card totally {$49.00} ( XXXX @ {$24.00}, XXXX @ {$5.00}, and two charges at XXXX at {$10.00} each ). I noticed these charges on XXXX/XXXX/XXXX when checking the card 's balance on the American Express website. I immediately called American Express to report the fraud. The agent stated that American Express is not responsible for any charges that occur before a problem with the card is reported. He took my information and said that the American Express would investigate and get back to me. It has been a month and I have n't been contacted. This is the second time I have had fraudulent charges on an American Express gift card, so it appears to be a recurring problem.
Product: Debt collection

Despite my repeated attempts to seek validation of this debt, your organization has failed to provide any satisfactory response. What is particularly distressing is that, upon reviewing my credit report, I discovered that this account is erroneously marked as a charged-off account with an outstanding balance. This misinformation is damaging to my financial standing and creditworthiness. I demand immediate action on your part to rectify this situation. Provide concrete evidence of the alleged charge-off and update the balance to {$0.00}, or alternatively, delete the negative payment status associated with this account. Failure to comply with this demand will not be tolerated. Account : XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Debt collection

This is in regards to Gold Key Credit / XXXX, we are working to make sure our credit reports are free of bad marks as we want to buy a home in the near future. On our credit report are 2 bills listed for this company. I contacted the company to make arrangements for payment and wanted to see about making a settlement offer to clear the debt from our credit report. <P/>They told me the bills were medical bills for 2 separate dates for a company names XXXX XXXX XXXX XXXX XXXX XXXX 's hospital. I was advised by a XXXX that they could not accept a settlement because the original creditor had n't authorized any settlements on the account. The bills are from XXXX and XXXX and XXXX admitted that her company ( Gold Key Credit ) had not sent anything to us since XXXX and she had no idea why. She said the original creditor did n't send them contact information from us so it just went to an aging account. She did however have my current address and read it back to me so why did n't they attempt to notify us by mail? I asked for contact information for the original creditor and was told they could n't provide me that and when I XXXX the company I could find nothing for them. I contacted the hospital and was told by 2 different departments that they had never heard of this company ( XXXX XXXX XXXX ) and that it sounded like we were being scammed. <P/>I contacted Gold Key Credit back and asked to talk to a supervisor and was told I was unable to speak to a supervisor one would have to call me back because they do not transfer calls. I was told by XXXX that she placed my account in dispute and that sometime in the next 30 days I should get an itemized bill. <P/>In the mean time I ca n't get this removed from my credit report even though this collection company did nothing to even try to notify us we owed this debt. How is this allowed?
Product: Money transfer, virtual currency, or money service

Early warning services, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX have failed to safeguard Zelle from fraud and other defects.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block inc. ) due to unfair customer service and lack of compassion towards customers which violated the consumer financial protection act ( CFPA ). Cash repeatedly refused to address multiple complaints and frauds on my account. Falsely closed my accounts with no fair explanation.
Product: Credit reporting or other personal consumer reports

For the last 6 months continually, they do no follow any ruled set by the fcra, these corporate offices need to be reported to XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in. 2021, since then I have been seeing a lot of unauthorized inquiries and accounts. In accordance the Fair Credit Reporting act multiple unauthorized Inquiries have been on my credit report, please Investigate and Remove all inaccurate Inquiries I have listed immediately, the following includes : XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Inquiry : XXXX XXXX
Product: Mortgage

When I purchased my home in 2006 I believe that I had obtained a rate whose rate was only fixed for 5 years and would adjust afterwards. When the 5 year mark arrived the rate did n't adjust. I contacted Wells Fargo and they insisted the loan was with a fixed rate and the rate would not be changed. I tried to refinance the mortgage and despite many attempts they have refused to refinance my mortgage under any circumstances. 
I reached out for assistance from Wells Fargo and despite the fact that I sent the same information repeatedly they insisted I had not furnished them all the information required. They also kept moving my case to other people. It seemed that they on purpose would request the same information over and over just to discourage you from asking for assistance. 
I have been current with my payments and I am locked in a mortgage at close 7 % which is far higher than the market and ca n't get the bank to refinance me. I think the mortgage when I first signed for it was misrepresented to me and I believe that in order to correct that misrepresentation some accommodation should be reached.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the improper reinsertion of the inaccurate and unverified negative accounts on my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint regarding inaccuracies in my credit report effectively.

These accounts include discrepancies that I believe do not reflect accurate, legal, complete, or current information. These inaccuracies may be unfairly harming my credit score, which is deeply concerning.
Product: Debt collection

Main complaint : XXXX XXXX has illegally tried to obtain money from me by sending me to a debt collector because they could not obtain the funds from the Veterans Affairs from me being enrolled on the Chapter XXXX GI Bill. If XXXX believes me to have a debt, they need to obtain their money from the VA, and the VA holds me responsible for the debt. They have come after me personally and are attacking my credit. 

Dispute : On XX/XX/XXXX I was contacted by Radius Global Solutions a debt collector via letter stating that XXXX University  XXXX had sent my account to collections. 

Events leading to dispute : In late XXXX of XXXX I was enrolled in XXXX University XXXX on Chapter XXXX GI Bill Benefits. I withdrew to attend a different school with more of a technical focus. Prior to submitting a withdraw request, I contacted my student mentor, my counselor, and ATTEMPTED to contact financial aide to discuss consequences of withdrawing and if I would be impacted financially or not. Specifically to discuss if there would be a debt incurred and what it would be. I was approximately 3 weeks into the term, and my student mentors / counselors both said I was within the allotted drop time. On the final call they transferred me to financial aide who unresponsive. According to XXXX XXXX Financial Aide their process requires you to speak to a financial aide counselor prior to withdraw and they will not allow withdraw to occur if you have not spoken. This is to ensure students are aware of any financial consequences. XXXX XXXX has scrubbed their call records and emails and are unable to prove to me that I spoke to anyone and was notified I would take on a debt personally. Financial aide attempted to call me back a single time in which I was unable to answer but no further attempts were made. I do not receive voicemails and had notified my handlers at XXXX XXXX at time of my enrollment. 

XX/XX/XXXX @ XXXX XXXX EST : XXXX XXXX from Radius ( the debt collector ) answered my call into their main customer service line. She put an immediate hold on the debt collection and requested a validation of debt from XXXX XXXX. 

XX/XX/XXXX @ XXXX XXXX  EST : I called XXXX XXXX Financial Aide customer service line. XXXX answered. XXXX was unable to assist and transferred me to XXXX in XXXX office. XXXX was unsure because the wording on my account notes from the time of withdraw say non-punitive. XXXX was unable to offer a resolution and bumped this to her Team Lead XXXX XXXX ( XXXX ). XXXX consulted her Supervisor XXXX XXXX ( XXXX ) At no time has XXXX XXXX been able to provide me with any written proof that I am held liable for them not receiving their funds from the VA because of the withdraw. After 2 weeks of calls back and forth I am sending this to the Consumer Financial Protection Bureau because I need protection from an illegal attempt to collect a debt. Having notified them that they need to obtain their money from the VA and I would then be in debt to the VA ( IF ) this is even a valid debt they continue to pursue me and will not drop the collection from Radius Global Solutions LLC.
Product: Debt collection

I have repeatedly disputed this account with Caine Weiner, and I have never ever received anything in the mail from them. They have called me in attempts to collect this debt, DURING A PANDEMIC! I have no idea who Caine Weiner is, who they are collecting for, or why they've intruded onto my credit report. I believed I had the right to request validation of this debt, but hey have provided me none, however the credit bureaus have stated the account was verified by Caine Weiner. How is it possible that they can provide verification to them but not me? HELP ME! I have no idea what to do about this obvious defamation.
Product: Checking or savings account

All my bank accounts at Citibank were blocked and then closed without previous communication. After they closed my bank accounts, they sent me a letter only stating that they decided to close banking relationship with me without giving any reasons. I called the bank to find out the reason and they said because I received an SBA loan into a personal bank account. I have provided with all the information they requested, I sent them a fax explaining how the process worked with the SBA and they don't answer nor respond any of my questions. On XX/XX/XXXX, I went to a Citibank branch and they called the fraud department, the lady from the fraud department named " XXXX '' told me that I didn't have any funds and that I wasn't going to receive any money from the bank. Citibank has my money XXXX and I need to know why they won't give me more information. The fraud department at Citibank has hung up on me " literally '' 3 times, when I ask to speak with a supervisor or someone that could give me more information, the representative ALWAYS terminate the call by saying " I have given you all the information and this call will be terminated '. I am being treated as a criminal, I'm asking for answers and all I get is the worst unfair and rude treatment from this bank. I understand the fact that a bank can terminate banking relationships with an individual, but, I can't believe that a bank can take a money that doesn't belong to them, and this behavior is called " stealing ''. Thanks in advance for any help provided!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

My account is being closed down due to them saying fraud activity from one XXXX transaction that was sent to me. Theyre saying they might not give me the money I got sent or even the money I had in my account! My account was closed and frozen with no notice and or me being able to access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought my car for {$15000.00} from XXXX with a loan from XXXX XXXX, XX/XX/XXXX. I made payments on time until XX/XX/XXXX, when my car was stolen. I was not aware that I was to be responsible for payments until my insurance paid out. I spoke with XXXX XXXX multiple times over the course of 4 months and not one time was I advised to make a payment nor was I advised my account was nearing " charge-off '' status. I never received any sort of communication from XXXX until after my account had been " charged off '' which was after my insurance had made their pay out and i had an insurance deficiency balance of {$630.00}. I never had any intention of dodging payments made to them, I simply did not know how much money I owed them nor did they communicate the fact that I needed to make a payment when I talked to them. There was one point, I called to get information on the remaining balance after insurance would pay out. I was told there would be a $ XXXX balance, which XXXX and refunded warranties still hadn't paid out ; however, I was not told that my account was being charged off nor was I told I needed to make a payment. On XX/XX/XXXX, 2 weeks after receiving the notice of deficiency balance, I made a payment of {$150.00}. This was when I discovered the account had been charged off, so I called to ask about it. The call center associate, XXXX, was rude and spoke to me like I was XXXX, she acted like she didn't care about my situation and refused to transfer me to a manager. I hung up and called back, this time I was connected to a manager. As I explained the situation, I also explained that it is not good business practice to not communicate with your customers when they are going through such a confusing process such as a claims process. He didn't show any compassion or care whatsoever about what I was saying.
Product: Debt collection

Account in question : ABLTY-RECOVERY XXXX. 

Collection Agency has not provided validation information und

er 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am filing this letter because I am a victim of identity theft and have not made the changes on this date XXXX. There are FRAUDULENT ACCOUNTS AND INQUIRIES ON MY ACCOUNT AND I NEED THEM DELETED IMMEDIATELY. I have made my identity theft report to the federal trade commission, CFPB, and XXXX. All of the following accounts listed under are fraudulent and going against my CONSUMER RIGHTS BY VIOLATING MY PRIVACY TO MULTIPLE COLLECTION COMPANIES. PLEASE DELETE THIS MISLEADING INFORMATION ASAP!
Product: Credit reporting or other personal consumer reports

I am compelled to highlight the violation of my consumer rights caused by the dissemination of inaccurate information. Fair treatment by those responsible for its accuracy and compliance is my rightful expectation. I kindly request all available details on their failure to uphold these responsibilities. 
I must emphasize my intolerance towards negative information, regardless of certification. The veracity and truthfulness of your company 's activities and the data concerning my credit profile are of utmost importance. 
The provided credit report is unexpectedly inaccurate, raising doubts about adherence to the FCRA and relevant Metro 2 data field formatting standards. I challenge you to produce a verified, complete, and truthful document that presents evidence for each claim. Failure to follow these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, which is a matter of utmost seriousness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed A copy of my credit report and it shows Caine Weiner reporting a balance of {$420.00} on all 3 credit report. This is a violation of the Fdcpa based on the charge of f/collection being reported with a balance.
Product: Money transfer, virtual currency, or money service

On the XX/XX/XXXX, I attempted to make a purchase of XXXX USD of  Ethereum on Coinbase. Coinbase rejected my purchase ( directly linked to my XXXX XXXX account ) due to " insufficient funds '' in my account. First, I did not have insufficient funds, but secondly, and MOST importantly, the XXXX USD was still withdrawn from my account by Coinbase in a wire transfer. I never received the Ethereum. 

Two days later, I called Coinbase and was immediately informed that this was a " glitch '' in their system. The customer service representative kindly informed me that Coinbase would wire me the full amount in 3-5 business days. After 6 business days, I called another representative, who informed me that because of issues with banks, the transfer will actually require 10 days. After day 11, I called again, and was informed that nothing has happened, but that " a case specialist '' is working on my case. 

I called back a day or two later, and they asked me for pictures proving that the money was actually withdrawn. After rendering the pictures, I was informed that I would be receiving the money very shortly. I called back a day later, and they informed me that after sending my pictures, the company had " escalated '' my case, but due to large volume of " new users, '' it might take some time. 

I finally called back on the XX/XX/XXXX, inquiring about my case. The customer service rep informed that there were no new notes, and that actually, a case gets " escalated '' the second that a rep and customer file it in the system. This is problematic, because it means that by submitting pictures of my account, nothing new actually happened, and it appears that I'm no closer to a resolution and a return of my XXXX XXXX. 

As of now, Coinbase has {$1000.00} of my money, without justification or purchase on my end.