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

My name is XXXX XXXX I need help with my dispute reference number is XXXX for XXXX  XXXX {$800.00} card ending in XXXX on XXXX and posted date XXXX to be looked into for me because the dispute department phone number at XXXX keep telling me different stories saying they still looking take the credit out the account today XXXX but I called in they say they still looking into it and investigation it if the credit will be taken out or not because the account is closed and they claim they never receive the check from XXXX XXXX or I didnt receive it to because it was supposed be put back into the account after the account was closed out and provisional credit was given for {$800.00} but I never received the refund from XXXX XXXX so please help me do I have to pay the {$800.00} back or not or did the bank got the money from XXXX XXXX by a check they keeping saying my account is {$0.00} etc my debit card number is XXXX expire date XX/XX/year> cvv is XXXX and account number is XXXX etc. contact information is XXXX and phone number is XXXX etc?
Product: Credit card or prepaid card

For a few days I have been receiving emails about hard inquiries and a change in my credit score and so I went and logged into XXXX XXXX and i see that someone has applied for credit cards under my name. I called XXXX XXXX for the XXXX credit card and they are trying to fix it on their end, then I see one for targetXXXX credit card and I have not tried to get a credit card from them either. I work hard to build my credit and not it has dropped because of the business checking my credit and what not.
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account with Huntington Bank. The banker advised me of a {$200.00} promo for opening the account. He entered a code which generated a paper with the requirements that I needed to follow. There is no way to have this generated paper without a code being entered. As the 90 day period was ending and having met all the requirements, I called customer service to find out when the bonus was going to be credited. This call was on XX/XX/XXXX ( 90 days were over XX/XX/XXXX ). I was told " YOU DO NOT HAVE ANY PROMO CODES ATTACHED TO YOUR ACCOUNT- NO PROMO ''. After my shock, I told her that I even had the generated paper. She asked me to call the branch. 
Log in dates : * XX/XX/XXXX -- spoke with XXXX XXXX at the bank who told me to email her the paper and that she would take it to the back and have the promo code attached. 
XXXX -- get an email from her stating that I needed to wait another 14 days and if I did not get the bonus to call her and she would try to insert the promo code on the back end. She also said that the person that open my account XXXX was out and that I would have to wait until the following week. 
XXXX -- called branch to check on XXXX- left message XXXX -- sent email to XXXX XXXX - VP of Huntington - never received a response XXXX -- called branch again- still no return call from XXXX. 
XXXX -- called corporate office and spoke to XXXX XXXX the is the highest level of consumer issues. She said that she was going to check on this immediately. 
* XX/XX/XXXX -- called XXXX she told me that XXXX told her that he remembered me, that he entered the code and the paper was generated. He told her that I was definitely owed the promo. She needed to check with " her people '' to see when the promo was going to be attached. 
* XXXX called corporate again- XXXX told me that she was still investigating and talking to her people. She assured me that I am certainly owed the promo but that I would have to wait possibly another 2 weeks. She would let me know. 
* XX/XX/XXXX - never got a return call. Called XXXX again. This time I asked her if I could speak to some of her people, that maybe I could try to expedite things. I was told that she is they highest person I could speak to. That I would have to deal with her only on this issue. 
Today is XX/XX/XXXX ( account was opened XX/XX/XXXX ) and I still do no have my promised bonus amount and when I called customer service to follow up they told me that there still was no promo code attached to my account at all.
Product: Payday loan, title loan, or personal loan

APPLIED TO INCREASE HELOC TO XXXX TO OLD NATIONAL BANK. SUBMITTED PAPERWORK AND MENTIONED WE WOULD USE FUNDS TO REPLACE DECK. XXXX XXXX IS THE REP AT OLD NATIONAL BANK. MORTAGE LOAN IDENTIFIER XXXX. FIRST LETTER DATED XX/XX/XXXX. WE STARTED TO REMOVE SOME OF DECK TO SAVE MONEY BEFORE THIS. THE ASSOR CAME TO PROPERTY TO ASSESS AND WOULD NOT DO IT BECAUSE IT WAS TO DANGEROUS. WE WERE DENIED THE NEW HELOC AND RECIEVED THE LETTER ON XX/XX/XXXX. THE REASON STATES VALUE OR TYPE OF COLLATERAL NOT SUFFICIENT. XXXX SUGGESTED WE WITHDRAW XXXX BEFORE START OF PROCESS WHICH WE DID. OUR HOUSE IS ALMOST PAID FOR, WE HAVE EXCELLENT CREDIT SCORES, AND AS I UNDERSTAND IT WE ARE USING COLLATERAL IN OUR HOUSE EQUITY. I DO NOT UNDERSTAND. I SUBMITTED A COMPLAINT WITH STATE OF WIS AND THEY FOWARDED IT OFFICE OF THE COMPTROLLER OF CURRENCY. XX/XX/XXXX I GOT A LETTER FROM THEM SAYING IT DOESN'T FALL UNDER THEIR JURISDICTION AND TO SUBMIT THIS WITH YOU.
Product: Debt collection

Called my work and my cell phone everyday from XX/XX/19 thru XX/XX/19 for a debt of {$21.00} that had been paid. I want their company fined.
Product: Student loan

Hello : I have been given several forbearance and deferments instead of help by XXXX XXXX to get a affordable payment. Now they say I have run out of deferments and qualify for no repayment plan. I notified them I needed help right now because I am in process of purchasing home in program. i can get through with no one on phone like when they used to call for deferments and delaying my payments. They have taking my credit score down 77 points, I am a XXXX XXXX XXXX for 20 years in a XXXX XXXX XXXX. I have been trying to get help with forgiveness but they are continuously charging me and affecting my score and are unreachable on the phone. It unbelievable how XXXX XXXX is taking pride in destroying my credit. I asked them a month ago to take these late payments that they posted right after my forbearance ended. Every month they make my score go lower, This is terrible ... i am a single mother who XXXX and was in the process of purchasing a home for me and my children ... 

Thank you for your help in this matter
Product: Debt collection

ARS has been harassing me for months. Prior to the harassing phone calls they never mailed me any information regarding any alleged debt that they are trying to collect. I am confident that by them not sending me an initial letter communication for me to dispute any alleged debt that the debt they are trying to collect is not valid. In my letter to XXXX, I requested ARS to send me any documentation ( validation ) that they have that I owe a debt, documentation that the alleged debt is to ARS, & a copy of a contract I have with ARS signed by me that I have an alleged debt for any unpaid services that they provided for me. As of todays date ARS never complied with my request. I first received a phone call from ARS on XX/XX/XXXX at XXXX XXXX  and another phone call from ARS on XX/XX/XXXX at XXXX XXXX. ARS masked their phone number by using the number XXXX. On or about XX/XX/XXXX I sent ARS a letter advising them & demanding them to cease and desist from any attempt of future contact with me. Unfortunately, I continued to get phone calls from ARS ON XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, & XX/XX/XXXX at XXXX XXXX. again masking their # by using XXXX. The Fair Debt Collection Practices Act, or FDCPA, was passed in XXXX to protect consumers from being harassed by debt collectors. ARS is knowingly and willingly violating my rights granted to me by the FDCPA. ARS has called me at inconvenient times, such as before XXXX XXXX and after XXXX XXXX in my time zone, ignoring me when i asked them to cease & desist after they didn't provide me with my requested information ( mentioned in the 1st paragraph ). Furthermore, ARS is knowingly & willingly violating my rights granted to me by the " Truthin Caller ID act ''. FCC rules prohibit anyone from transmitting misleading or inaccurate caller ID information with the intent to defraud or obtain anything of value. ARS has and continues to display false representation & communication tactics. Based on ARS website they are located is located at XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. The reason they mask their phone number and show a XXXX area code is because XXXX is the XXXX area code and my cell number is XXXX to try and deceive me in answering the phone. ARS is not located in XXXX! A DEBT COLLECTOR CANT USE ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COMMUNICATE WITH SOMEONE IN ATTEMPT TO COLLECT AN ALLEGED DEBT AND OBTAIN ANY INFORMATION FROM AN IDIVIDUAL OR ABOUT AN INDIVIDUAL
Product: Debt collection

I recently reviewed my credit report and found several inaccuracies that I formally dispute. Please verify or remove the following : accounts with XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and Lendmark Financial Services ( XXXX ), as I do not recognize or have any agreements with these entities. Additionally, I request the removal of unauthorized hard inquiries from XXXX XXXX ( XX/XX/year> ) and Lendmark Financial Services ( XX/XX/year> ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), I request an investigation and removal of unverifiable items within 30 days. Furthermore, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX for negligence, further underscoring the importance of ensuring the accuracy of consumer credit reports. XXXX violates my rights as a consumer also making it practically impossible to purchase my first home or new vehicle.
Product: Credit reporting or other personal consumer reports

I been having issues with XXXX XXXX, i ve had several accounts with them for a very long time and paid them always. all of a sudden they closed the account did not credit my payments and started charging huge fees and interest on my account and started reporting the accounts late despite the disagreement and demands for answers and a resolution.there actions is criminal and have hurt my credit scores as they have done this purposely to do so. I want an investigation done on this as they harmed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted transunion, XXXX, and Experian about a bankruptcy that's being furnished on my account. I've sent them disputes regarding this matter. I also have proof from XXXX XXXX Consumer Reporting Agency stating that my position is valid according to the law and I've also gotten a written testimony from the courts themselves stating that they don't do business with the consumer reporting agencies. I will be submitting both letters to you. XXXX XXXX themselves have deleted the bankruptcy from their files, with that being said ... there is no other reason for XXXX, XXXX, and Experian to have it reporting as well. This reporting is causing me damages and is preventing me from other endeavors I am pursuing. I would like for the Chapter XXXX bankruptcy to be removed from my reports immediately, thank you.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding a cryptocurrency scam that I have fallen victim to. I have been using a cryptocurrency service/platform for two years without issue, but on XX/XX/year>, I encountered a serious problem involving my funds, which are currently on hold and unaccessible. 

Details of the Incident : Platform Used : I have been using a cryptocurrency service I found on XXXX for two years, where my transactions were generally smooth. 

Date and Time of Incident : On XX/XX/year>, at XXXX XXXX, I encountered an issue where my funds were placed on hold. 
Transaction Details : Initially, I received approximately XXXX XXXX  ( XXXX cryptocurrency ) from the wallet address : XXXX. 

I then transferred the XXXX XXXX  to another wallet : XXXX. Since then, the funds have been placed on hold, and I can not access them. 

Additionally, on XX/XX/year>, at XXXX XXXX, I received approximately XXXX XXXX  from the same wallet : XXXX. 

After receiving the XXXX, I sold all of it on blockchain.com for XXXX currency. However, my XXXX funds are also now on hold. 

Attempts to Resolve : I have contacted the platforms customer support service multiple times, but I have not received any response or assistance. They are ignoring my inquiries, and I am left with no way to access my funds. 
Supporting Evidence : Wallet addresses and transaction details are as follows : Received from wallet address : XXXX Sent to wallet address : XXXX Amount sent : XXXX XXXX  Additional transaction received on XX/XX/year> : XXXX XXXX  The funds are still on hold on both the cryptocurrency platform and blockchain.com ( XXXX ) . 
I kindly request your assistance in investigating this matter. I would appreciate it if you could guide me on how I can recover my frozen funds and prevent others from falling victim to similar scams. 

Thank you for your time and attention. Please let me know if further information or documentation is required. 

Sincerely, [ XXXX XXXX ] [ XXXX ]
Product: Debt collection

On XX/XX/XXXXXXXX  on a recorded phone call I spoke to a representative of Portfolio Associates. They took payment and agreed to remove the debt from my credit profile. In XX/XX/XXXX, I filed a complaint with XXXX. The response to my complaint was that they didn't own the debt. However, Today XXXX  the debt once again appeared on my XXXX  credit report. I feel this was in retaliation to my complaint to your agency.
Product: Credit card or prepaid card

I was notified by Chase XXXX Fraud Department that my XXXX XXXX Credit Card had a questionable charge around {$9000.00} at a XXXX XXXX XXXX location somewhere in Georgia. I verified that this was a fraudulent transaction and both my wife and I were in possession of our cards. 

Chase asked me if I received the new card I recently requested and I told them I had not requested a card. They told me someone requested a card in my name to be shipped to my home and it was delivered. I work from home and my office is adjacent to the front door and XXXX had not delivered a card. I asked them how someone could request a card and they told me the person provided my security answer. I told them that my security answer was not written down and only applied to this account. I then changed my security answer and they cancelled both the old card and the new one they issued only in my name. They sent my wife and I new cards, which we validated upon receipt. 

I then asked the Fraud Department how anyone could have obtained my security answer and the supervisor told my they had not asked for my security answer as the phone number showing on their end was my home phone. My wife and I were home when Chase received the request for a card under my name and we live alone. We did not call to request a card. Chase has changed their story several times regarding the procedure for issuing a new card without verifying who they were speaking to. It is my opinion that someone in their Fraud Department is scamming customer accounts. They told me that this was impossible and I then asked how they issued a card to me that I did not request without verifying who I was and how they delivered it when I was home all day and no one came to the door. 

I requested someone in the executive department contact me and have had no response. I work as a XXXX  to the XXXX XXXX in XXXX and my wife is a XXXX XXXX. I am home unless I am on the road for business.
Product: Credit reporting

TransUnion was contacted on XX/XX/2017 via certified mail, signed receipt received on XX/XX/2017. The agency has not completed the investigation, nor did they notify me of their results. It has been over 30 days and a clear violation of the FCRA. I request the disputed information be deleted from my record.
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1200.00}
Product: Payday loan, title loan, or personal loan

The company used against me the following 4 Key factors they are saying had adversely affected my credit score : 1 ). Number of accounts with delinquencies 2 ). Too few accounts currently paid as agreed 3 ). Length of time accounts have been established 4 ). Time since delinquencys is too recent or unknown These are the 4 reasons I was denied and all of them are lies. These reasons are untrue and doesnt actually portray my credit report or me. I actually feel they made up that scrap because they noticed from my ID I was a XXXX male.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts XXXX XXXX  XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX are currently showing inaccurately on my report filed with your credit bureau. Pursuant to 5 U.S.C 552a ( i ) ( 3 ), I am requesting that these disputed items be removed permanently from my credit report immediately. This statue states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in any determination shall not use such record. As your agency has failed to send me proof of verification these accounts belong to me violating my rights. If not resolved as requested I will file a lawsuit against your Agency. Please help me get resolution and correct my credit report by removing the disputed items as stipulated by the Fair Credit Reporting Act.
Product: Prepaid card

I tried using my unopened {$100.00} gift card for the first time in XX/XX/XXXX and was surprised to find out my gift card had less than {$3.00}. I looked up the gift card balance online and realized there was fraud with my gift card. Multiple people stole my card information in XX/XX/XXXX and were able to use my gift card in multiple states on the same day when my card was at home, safe in my room, and I was out of the country on vacation. There was no way I or anyone I know was using my gift card for those transactions. It was involved in a gift card scam! I contacted Vanilla gift cards and told them everything. Submitted a form that took months for them to review because they had an error in the dispute form that I had to repeated email and call them to fix. After FINALLY fixing my dispute form and submitting it, I received an email months later that they DENIED my dispute. They refused to put the STOLEN funds back on my Vanilla Visa Gift Card. Their response : " Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above.

We take concerns from cardholders very seriously. After a thorough review of your account and evaluation of the evidence provided, we regret to inform you that we are unable to approve your dispute. With the denial of this dispute, your case has been closed.

Per the cardholder agreement and the payments network, these transactions are out of timeframe for recovery. '' A bogus excuse. These transactions would be impossible by me alone which would be easy to discover doing some simple research. " Out of the timeframe for recovery '' should go out the window when it's clear to see by the date, times, and locations these transactions happened. Gift card expiration date is XX/XX/XXXX. 

Listed below are the transactions that were not mine that my unopened gift cards was used for : Merchant Name : XXXX # XXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$1.00} Merchant Name : XXXX  Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$5.00} Merchant Name : XXXX XXXX Transaction Date : XX/XX/XXXX, XXXX XXXX  Transaction Amount : {$.00} Merchant Name : XXXX XXXX XXXX XXXXXXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$83.00} Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$100.00} Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$.00} Merchant Name : XXXX XXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$14.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 5 MEDICAL COLLECTIONS FROM XXXX XXXX XXXX ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX IM DISPUTING THESE ITEMS BECUASE THEY SHOULD NOT BE ON MY CREDIT REPORT, THESE ARE MEDICAL BILLS AND PER HIPPA LAW THIS COMPANY IS IN VIOLATION OF THE HIPPA ACT. A DOCTOR OR HOSPTIAL IS NOT SUPPOSE TO SHARE MY MEDICAL RECORD WITH ANYONE WITHOUT MY CONSENT. PLEASE DELETE FROM CREDIT REPORT BEFORE I SUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.