23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a purchase online with a company called XXXXXXXX XXXX XXXX  for what I thought was XXXX XXXX. I mistakenly ordered Clarinet Reeds. My mistake. I contacted the company and asked if I can return the Clarinet Reeds for Saxophone Reeds and they said as long as the package was unopened I could return them to a local store and they don't take returned shipments. They provided me the location of a store. I attempted to return the reeds at the store and the store told me they only accept returned musical instruments- not other items like reeds- even if the package is unopened. So I called the online merchant again and they told me I can not ship the reeds back and must return at the store. At that time I filed a dispute with my credit card that I used to purchase the reeds explaining the situation and how I was unsatisfied. I provided the vendors return policy but explained that they would not honor it. I lost that dispute. At the time, I figured- I tried and failed and I just need to get over it. However, I noticed I was charged in duplicate by Citi for the reeds. So I filed another dispute with Citi explaining I am now being charged twice for the reeds. I provided a snip it of the transactions showing the duplciate charge. I lost that dispute as well ( I am not sure how - you can obviously see the duplicate charges. ) When I just logged in I noticed I was charged again for the reeds. Right now I am being charged 4 times for {$28.00} and there is XXXX conditional credit for {$28.00} - so I am in essence being charged a net of XXXX transactions for {$28.00}. I think the conditional credit will go away and then I will be charged a fourth time. So I called Citibank and after finally getting through to someone they did not understand and put me through to a manager who told me that he could not help me. I explained that I am being charged 3 times for one transaction and I was afraid the conditional dispute would go away and I would be charged a fourth time when I should only be charged one time ( and in my opinion I should not even be charged for that transaction! ) Right now, I am being charged {$85.00} when I should have only be charged for {$28.00} ( if that! ) Can someone help me? CItibank does not seem to understand what I am trying to explain. I offered to send the person I was talking to the transactions I see and they told me they can not accept emails and to try send the transaction to their dispute department. They did not provide that email but I am afraid to file another dispute as I may be charged again! 

Looking at the attachment - I was charged 4 times for a positive {$28.00} and there is one conditional credit for a negative {$28.00} which in essence makes me pay 3 transactions of {$28.00}. When the conditional credit goes away ( because I lost both disputes I filed with Citi ) - I will in essense be charged four times {$28.00} without any credits.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received two emails on the same day ( which I didn't initially see since I rarely access this account ), stating that someone had " attempted '' access to my account from a prohibited country. I have not traveled outside the U.S. since COVID and they have not provided any sort of log or proof of the date/time of this attempted access. My account has two-factor authentication and can't be accessed unless approved by my phone. My transaction logs for my account which I can now only see via the mobile application on my phone, shows no account activity other than my purchases and sales up to XX/XX/XXXX. I can have my employer verify I have been in the U.S. the entire time. 

When I tried to unlock my account, they stated I needed to send a utility bill and image of my Driver 's License, and selfie. I am in the XXXX XXXX XXXXd, so I initially did NOT want do this and tried to research the issue over the holidays. I eventually uploaded the utility bill, image of my DL ( with an added watermark by me to prevent its use for anything else ) and a selfie to show my picture matches my Driver 's License. However logging into the Support section ( all I can access via my PC ) it showed the support case was closed with no resolution. 

I have since, this week, opened another Case ( # XXXX ) and uploaded the same requested documentation, but I have not received any feedback nor do I see this new case under the Support History area as yet, although I'm told it exists ( see attached image ). They provide NO phone number for contacting Coinbase directly ( there was one, but now gone ) and it's only an online chat feature with personnel who do not provide much help in the matter and repeat the need to verify my identity. Also, the chat can immediately disconnect you ... even if you are simply changing a tab on your browser. 

The link they supply sends me into a loop of logging in and getting the 'locked account ' message. The 'Contact Form ' sends you back to Support without any way to unlock the account since clicking the ID Verification link loops you back to logging in ... which gets you the 'Account Locked ' message ( see attached image ).

Finally, I'm starting to see numerous online complaints with people having the same issue of being locked from their account and not getting any resolution. I am getting concerned that their company is purposefully keeping customers from their account to prevent withdrawal of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting company has not removed a old account on my credit report after it has been disputed 3 times or more it is not a correct account the amount are not correct and all other credit reporting companies have removed the account. I did not get any warning that this was building debt up to collection.
Product: Student loan

The issue I have in my case is pretty straight forward. On XX/XX/2022, I requested that my former loan service provider, XXXX XXXX, refund my student loan payment ( XXXX ) that I made during XXXX and to reopen my loan balance so that I could apply for the Temporary Public Student Loan Forgiveness ( TPLSF ) Program. The total amount I paid was {$26000.00}. This closed out my student loan balance at that time. This closed out my student loan balance at that time. The payment was processed on XX/XX/2022, by XXXX XXXX, which is the first date that one could request a refund of a payment. 

Under the rules of the XXXX XXXX and what not, borrowers are allowed to request their loan payments made during XXXX even if it paid the balance in full. I also filed my TPSLF at the time I made the request to have my XXXX payment ( XXXX ) refunded to me. 

I made this request not only via email, but over the phone and I also sent a certified letter ( I have all of my documentation, including the return receipt ). I followed up with XXXX XXXX at the end of XX/XX/2022 and was told that my payment had been reversed ; and, therefore, my account had been transferred to AidVantage on XX/XX/2022. 
To date, I have heard NOTHING. I never received a closeout letter from XXXX indicated that the new balance was transferred to AidVantage and certainly nothing from AidVantage. I never recieved a payment either of the refunded payment amount. I tried to contact XXXX XXXX and there is no way to contact them. 
I have several screen shots from my XXXX XXXX account when it was still a viable entity, but they completely wiped out my account at a certain point so that none of my history was located in the account. 

I have tried to contact AidVantage repeatedly and they have no record of me. This is getting utterly frustrating and there is no way for me to fix this issue without filing this complaint b/c I seem to be lost in the abyss. 

Attached please find a copy of the certified letter I sent XXXX XXXX back in early XXXX asking for the refund to be processed well within the timeline required. I also believe I have emails from XXXX XXXX when I sent the requests via email as well ( that they did not ever respond to ), but I would have to locate them. I also attached a couple of additional supporting documents to better support my position. 

PLEASE SOMEONE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion numerous times and they have not resolved this issue. These are unauthorized inquiries and must be removed immediately.
Product: Mortgage

Harassing phone calls multiple times per day from Citimortgage even when my payment is not late.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$49.00} XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : $ {$2100.00} ; XXXX XXXX XXXX Balance XXXX {$120.00}.
Product: Credit card or prepaid card

AMEX SERVE CARD WAS USED TO DEPOSIT MY IRS TAX REFUND ( 2019 ) MY TAXES WHERE DEPOSITED ON THIS CARD THROUGH XXXX XXXX I REC'VD MY MONEY AT THE END OF XX/XX/2019 ..ON XXXX XXXX THERE WAS 42 TRANSACTIONS MADE ON THIS ACCOUNT TO A XXXX  OUT OF 3 CITIES IN TEXAS. TOTALING THE AMOUNT OF {$2600.00} OF MY MONEY. I LIVE IN NORTH CAROLINA AND DID NOT MAKE THESE CHARGES. YOU ONLY CAN CONTACT THE CUSTOMER SERVICE DEPT IN THE XXXX  ( BARELY UNDERSTAND THEM ) PER THE AMEX IN THE US YOU HAVE TO TALK TO THEM. BUT THEIR APART OF AMEX ( AMEX TRAVEL, SERVE, ECT ) I  FOLLOWED THE PROCESS PER THE REP I DID EVERYTHING BUT NOW I'M HAVING TO WAIT.. WHAT IS REALLY BOTHERING ME IS THIS HAS HAPPEN TO OTHER PEOPLE IF YOU SEE THE REVIEWS WHICH I COULD ATTACH. THIS HAPPENS ALL THE TIME THEY SAY ITS FRAUD HAVE YOU FOLLOW THE PROCESS AND THEN YOU DON'T GET YOUR MONEY. I CANT LET THIS HAPPEN TO ME ITS SAD NOTHING WAS DONE FOR THE OTHER PEOPLE BUT I WILL FILE COMPLAINTS AND GO TO THE NEWS OR WHATEVER I HAVE TO DO
Product: Credit card or prepaid card

I have a secured credit card with First Progress, I am in the process of moving and got a notification of a massive decline in my credit score, it was through some investigation that I was able to ascertain the source being FirstProgress. The late charge is for an annual membership fee which when set up was on auto renewal and yet somehow didnt take hold on their end. My complaint is that according to their user agreement I am to be informed of any late payments or just in general I am supposed to receive account statements which would have done similar. Although I had attempted to update my address the company confirmed that no such messages were sent to me about late payments or any attempt to rectify this issue before reporting to the credit bureaus. When I realized this payment was due I immediately made the payment of the fee and the late charge associated with it. But because of the lax system in place with first progress another charge was affixed to the account before the payment transaction concluded. This is a secured credit card whoms only perceived purpose is to help build credit and in fact it serves to do the exact opposite by failing to uphold even the most basic standards present in other credit card companies and even its own user agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I paid off my XXXX XXXX and XXXX XXXX XXXX   Transunion never updated it so I contacted the credit card companies who gave me specific dates on which they reported the three bureaus. XXXX and XXXX is reporting accurately. Transunion isnt. I disputed in XXXX the dispute came back as the information they reported was accurate. I then disputed again explaining that is not accurate information as well as the credit card company telling me they reported updated info to all three bureaus this is effecting my credit score tremendously. I have worked hard to get my credit score up because Im trying to purchase a new car but I have been unable to do so because TransUnions does reflect an accurate credit report or score. I have called and spoke with customer service reps who were rude and did not try to assist me with my issue. I just want my information corrected and to stay updated monthly like XXXX and XXXX  please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan representative promised that for fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 5.5 % which I assumed would start XX/XX/XXXX. My loan was given to XXXX and the student loan representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. Soon afterwards, I received a bill from XXXX  for XXXX  a month and bill from XXXX XXXX for XXXX and XXXX a month in XX/XX/XXXX. I checked today XX/XX/XXXX and after making 5 payments to XXXX XXXX XXXX they are listing the account as not current. The account is showing and listed as a CREDIT CARD on my credit report and NOW showing that I am LATE. I never applied for a credit card with this scam company!!! The representative stated today ; that a payment in XX/XX/XXXXwas not received and they JUST posted that the account is late this month but the first payment in XX/XX/XXXX wasn't received ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. How is this company still in business with ALL of the negative business practices that they are currently doing. Who can I contact for legal advice ; I was in the process of buying a house and now my credit score just dropped 30 points today XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address : XXXX XXXX XXXX XXXX, OH XXXX. I have attached my proof of ID. The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law, I have sent a complaint to the FTC and the Secretary of State here in OHIO. The accounts is not accurate I have asked several times for contracts or documentation I have nothing in my records.
Product: Debt collection

Medical bill - violating HIPAA laws. Damage done to my credit. Per consumer laws and new Covit-19 related laws this debt should not be listed on my 3 credit bureau reports . Violation of my rights.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the most recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency its unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Dispute of Charge-Off Accounts on Credit Report Dear Equifax, I am writing to dispute multiple accounts listed on my credit report as " Charge Off. '' The disputed accounts are : Account XXXX : XXXX XXXX BANK XXXX XXXX, XXXX XXXX, XX/XX/year> Account XXXX : XXXX XXXX BANK XXXX XXXX, XXXX XXXX, XX/XX/year> Account XXXX : XXXX XXXX BANK XXXX XXXX, XXXX XXXX, XX/XX/year> Account XXXX : XXXX XXXX BANK XXXX XXXX, XXXX XXXX, XX/XX/year> Account XXXX : XXXX XXXX CARD SERVICES, XXXX XXXX, XX/XX/year> The basis for this dispute is that a Charge Off is considered " income '' for the creditor, and " income '' is not allowed to be listed on a credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code. 

According to the Internal Revenue Code, 26 U.S.C. 451, a XXXX XXXX is considered taxable income to the creditor. As such, it is not a debt that can be reported on a consumer 's credit report. 

The FCRA, 15 U.S.C. 1681c, prohibits the reporting of income or debts that are not owed by the consumer. Since a XXXX XXXX is considered income to the creditor, it does not meet the criteria for reporting on a credit report. 

Furthermore, the Consumer Financial Protection Bureau 's ( CFPB ) guidance on credit reporting emphasizes the importance of accurate and complete information. Reporting a XXXX XXXX as a debt is inaccurate and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep putting inaccurate remarks and information on my credit report every week causing my score to drop every week. These remarks and inaccurate information needs to be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially notified the consumer reporting agencies ( Experian, XXXX, and XXXX ) XX/XX/2023 to reinvestigate an account on my consumer file. The reinvestigation resulted in the agencies updated the account information and without providing proof or verification of the alleged debt. I sent out multiple letters asking for validation of the debt, and proof of disclosures that granted the debt collector to report on my consumer report. This was all done without my consent or authorization. The consumer reporting agencies continue to allow the debt collector XXXX XXXX XXXX XXXX ) to report missing/late payments on my account and report all derogatory remarks on my consumer file. I have also reached out directly to the debt collector requesting for them to cease reporting on my consumer report. This is defamation of my character and reputation. The consumer reporting agencies used information solely from the debt collector to verify the debt and did not consider any of my information into the dispute result.
Product: Checking or savings account

I was withdrawing {$400.00} from TD Bank ATM machine in the machine jammed and does not give me the cash. I contacted them and they said it was my banks problem. And now they will not return my calls or my messages. The machine was inside of XXXX and the store clerk Also heard the machine jamming. Its been over a week now and I still have not got contacted by anybody after many tries on my end.
Product: Vehicle loan or lease

We made our payment partially in good faith we are less than a month late and they call me up to four to five times a day, they accuse me of " ducking my responsibilities '' and then when i asked them to not call anymore as is my right they called four to five times a day. This is with me having a credit from last month. They demand XXXX XXXX one month and then XXXX the next so im not sure whats going on. They even had a XXXX person take my case because i mentioned my wife was XXXX so he had to tell me basically how he can get a job and manage his responsibilities. I dont need that i have a job and made a good faith payment instead of ZERO payment and then they harass me even after i have told them time and time again in writing when i intend to not only pay the late stuff but make another payment. They are harassing us for no reason other than to be XXXX. They are a XXXX predatory lending company.
Product: Credit reporting

XX/XX/2017. 

XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my XXXX written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and Section XXXX ( XXXX ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section XXXX ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You XXXX
Product: Credit reporting or other personal consumer reports

I reached out to the company multiple times asking about ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ). After the investigation, this item was deleted. Unfortunately, the joy was short-lived. The item has returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 16811 ) it is required that they send me a certification of accuracy and also a notice of the updated information. I havent received any of this, because of this, I ask that they remove all information associated with this debt from my credit report immediately.
Product: Student loan

I was sent a letter by MOHELA regarding my loans being placed in forbearance on XX/XX/year>. The letter stated that the interest rate on my loans would be placed at 0 %. On XX/XX/year>, I received a letter detailing unpaid interest that had accrued on my loans during the forbearance. This is either highly unscrupulous behavior or sheer negligence and I don't know which is worse at this point.