23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I needed to call MOHELA because I need to defer my loans. The website had nothing that applied to me and the income driven plan is halted. I called them to discuss the matter and find a resolution. So I called, and the suggested wait time was XXXX hours and XXXX minutes, I waited. Around hour XXXX on hold, I emailed my request as well. It has been XXXX hours and XXXX minutes. There is no way that the company needs over XXXX hours to get to a call, if they do, they need more workers. My repayments are time sensitive, so this needs to be more of a priority.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my 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 is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In XXXX Bank of America took money from my now-closed checking account for Bill Pay XXXX The money {$6800.00} was taken from my account, but did not pay the bill. In XXXX, the bank returned the money to me on debit card which I misunderstood as did a bank representative who told me, " you don't owe us any money, destroy the card ... '' So, I destroyed the card with the money on it. 
Now, the bank pretends that particular card was one I used and did not make monthly payments on ... and have put damaging reports on my credit. And, they were dunning me for charges I did not make on a card with the same number as the XXXX with the credit balance on it until I called the supposed payees : XXXX, XXXX and XXXX... XXXX responded with a message that I'm not their customer, XXXX had nothing for the amount shown for 40 years and XXXX XXXX maybe XXXX XXXX at XXXX called to say he searched for hours and I've never charged their service with payments using Bank of America anything and he'd be happy to tell anyone who asks, but no one contacted him. I consider the bank 's damaging response fraudulent, criminal and they now owe me the {$6800.00} plus XXXX years of interest. The bank also extorted {$560.00} from me claiming I owed them {$350.00} plus interest on an account that had been closed for years. 
Now, the excuse is that I didn't show my driver 's license when I closed the accounts. In fact, I've sent certified mail more than once to their area president. This bank is like XXXX. All accounts were closed with them in XXXX. The bank also sent a statement that a check number XXXX was sent, but no check, just the statement pretending one was sent. The bank, of course, is unable to produce a cancelled check. My bank is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Finance manager illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( XXXX  ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX Bank ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX  ( never authorized ) and XXXX XXXX ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX Bank at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for my mom, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX Bank XXXX Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.
Product: Credit card

On XX/XX/year> XXXX Applied for credit through Bank of America , N.A . I was denied. I'm writing to address a matter of significant concern regarding the recent adverse action taken on my credit account. I believe that there might have been a misunderstanding and I kindly request your attention to this issue for proper investigation and resolution. In accordance with 15 USC 1602 ( l ) the term " credit card '' is used to initiate a consumer credit transaction and the term credit card is defined as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I as the card holder exercise my right in compliance with 15 USC 1602 ( n ) by using a credit card to initiate the transaction consequently it would be unjust for me to encounter denial for an action that I myself initiated 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

I am well versed in the extension of credit in connection with loans outlined in 15 USC 1602 ( g ) as the original creditor I am fully aware of my rights, moreover, it's important to highlight that reporting to consumer reporting agencies is fundamentally a voluntary practice as per regulations set forth by the CFPB furthermore I emphasize that this transaction is of a private nature notably the term adverse action within the framework of the FCRA does not specify or address the denial of credit to a natural person as the original creditor it is unlawful to impede my ability to extend credit. 
The distress and harm I have gone through both mentally and to my own public image has been insurmountable. I hold my consumer report and financial affairs in the highest regard and in light of this I am well prepared to escalate this into a federal matter if my request is not addressed properly I am well aware of my open end credit plan and inherit right I possess to contract without the impediment of denial.
Product: Credit card

HI, This is very simple yet very frustrating. I have a XXXX XXXXXXXX XXXX credit card that has a XXXX XXXX program. I redeemed exactly XXXX points for an accessory. The accessory came and my son didn't want it so I returned it to Ford. The product wasn't opened or used. Ford took the return. That took awhile to process but they did. Even though all the disclosures say your points will be returned, it appears they are not knowledgeable in how to do this. I had two long calls with Ford XXXX about this and with a lot of apologies to me but it's incredible I can't get my XXXX points back. These points were earned from the XXXX XXXX card. I just want my points back. Nothing more, nothing less. I returned the product back in XXXX. It's XXXX and the points have not been returned. It's very scary as a consumer. Do they just yes you and tell you there are delays so you give up? I don't want to give up. I returned the unopened product months ago. Why has the points balance not been upgraded? Why do they tell you they can return your points, but you never get them. XXXX  points are a XXXX XXXX. It's like currency. Very disappointed. It's now more about the principle than anything else. 

My XXXX XXXX card ends in XXXX I hate putting my full card number online. Also, when I submitted this it says XXXX XXXX That's my deceased father. Years ago I put a complaint in for him on his behalf. I guess my email is tied to that. My name is XXXX XXXX. I can be reached at XXXX
Product: Credit reporting

I received an email from the company " XXXX to sample their genealogical services. When I entered their website, there was a banner from " MyScore '' at the XXXX website to check your credit score for free. I decided to check out the free credit score request given by MyScore. When I entered MyScore website, it immediately led me to give my credit card information, in order to get my credit score. It also started that there was a XXXX access to my credit information and that I could cancel anytime before the end of the XXXX, either by calling them or contacting by email. Understanding that, I gave my credit card information, got my score information and then informed ( I believed ) MyScore of my wish to cancel my XXXX access. I received a reply via XXXX as a confirmation of my cancel request. I later found out that MyScore credited {$29.00} from my account as payment for the credit service membership, which I thought was cancelled. I called the company and informed that I believed I cancelled the service before the end of the XXXX access. I was told that they did n't received any cancel request from me, though I have received such a request from XXXX. I never sign up for any services from XXXX in any shape or form, especially for the money they were asking nor did I gave XXXX my credit card information for such services since already had such genealogy services done from XXXX already!. I believe that MyScore will give the runaround in refunding my {$29.00} to my account, saying I received an cancel confirmation from XXXX for services I applied for with them, when I know I did n't. I never received any email conforming XXXX credit access from MyScore & yet, they have access to my credit account. The only thing I have is the cancel request confirmation from XXXX, after I thought I cancel my credit access the same day I sign up with MyScore!.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report today, I found errors that I can not explain. I monitor my credit frequently, but this time, unexpected discrepancies appeared. Assuming it might be a technical glitch, I refreshed my browser, yet the inaccuracies persisted. Therefore, I ask that my submitted documents be carefully examined so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I can still see the Fraudulent accounts that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.
Product: Debt collection

I am resubmitting the complaint on my wifes behalf since Medical Data Systems continues to make false statement in the response to CFPB. When I contacted MDS on XX/XX/XXXX to obtain the information I need as per my previous complaint, I was told by a supervisor ( XXXX ) that I need to contact Insurance ( XXXX  ) and ask them to send written notification to MDS that they will waive the submission requirements and process the claim. Only then as per XXXX MDS will provide the information and/or will submit the claim for processing. Which indicates that MDS has all the information and willfully is not providing the information. This is obvious tactic by MDS to ensure the claim is not processed. I conferenced XXXX ( XXXX ) with MDS ( XXXX ) 2 weeks ago and XXXX has confirmed that I had insurance during the date ( XX/XX/XXXX - XX/XX/XXXX ) and they are willing to process the claim provided they get all the information. MDS has recorded conversation with XXXX. 
I mentioned this to XXXX, but she was not willing to provide the information I need unless she gets written notification from XXXX as noted above. MDS should review the recording I request CFPB to interject and advise MDS to remove derogatory remark from My wifes credit report and provide all required information immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on XX/XX/19 by XXXX  and TransUnion. There is no reason these should have been made and they were made without my knowledge. Prior to this day I was working with a Mortgage Company applying for a construction loan, however, on the same day exactly ( XX/XX/19 ) my lender told me it wasn't going to work out and that I should look for another lender due to internal issues with her company. I attached a copy of her email. Why then, would my credit need to be pulled two times if I'm not even applying for anything anymore? I am upset. The same thing happened to my husband and I would like him to be included on this report. His credit is affected by these unauthorized credit inquiries as well.
Product: Credit card or prepaid card

Bank of America closed my credit card without notifying me first and kept all of my unused cash rewards that I earned by using my card. I had about $ XXXX {$6000.00} in rewards that I was not able to cash out due to them closing my account and keeping my money.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Mortgage

I closed on my home in XX/XX/XXXX, I had already had XXXX  once in XXXX and then it hit my home again in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for the COVID forebearance in XX/XX/XXXX and was approved for 6 months. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and later in the year I applied for an extension on the forebearance and was granted. Today, XX/XX/XXXX, I requested the forebearance be extended for another 6 months which is what the mortgage company outlined on their website and I qualified for, BUT today I was told that since the plan didn't start in XXXX that I was NOT eligible. This is NOT what has been told to me throughout this process and should be extended due to the HUD backing on my loan. The lady that I spoke with from FBC Mortgage was SO UNHELPFUL and very short, she would not let me speak with a supervisor or give me another number to contact for a review of my complaint
Product: Money transfer, virtual currency, or money service

Blockchain.com this is my ticket # XXXX that I sent on XX/XX/XXXX and not one response back this ticket sums everything up! Where do i even begin?! So I first verified my account so I could swap deso for btc then after I do that you say I need to verify again so I send all docs in perfect clear condition and i get my 2nd congrats email saying im FULLY GOLD VERIFED so I log on to app because I want to send my btc to another wallet but guess what yep you guessed another verification! So i send docs back in FOR 3RD TIME and get email back saying CONGRATS YOU ARE NOW FULLY VERIFED GOLD LEVEL YAY! So that's XXXX XXXX and XXXX ive received emails saying CONGRATS FULLY VERIFED GOLD! Now im thinking finally can send my btc because you have been holding my funds hostage for almost two months and ive lost around XXXX dollars so far becasue of this hostage situation. Well i go to send btc for a 4th time and get he error please contact support you need verified! WOW!! So i send docs back in for a 4th time and now you have simply ignored me and havent heard from you in 3 weeks! Ive had a ticket in since XX/XX/XXXX and not one response besides the bot response saying you got my ticket! This is UNREAL I don't know how in the XXXX you get away with such TERRIBLE businsess practices but this is uncalled for! On top of that I am verified XXXX ( atleast app says I am ) so I should be able to send and recieve {$1000.00} dollars of btc and swap the {$1000.00} dollars crypto to crypto per month ( NEED GOLD TO SEND HIGHER AMOUNTS ) well you guessed it swap dose n't work nor does sending btc lower amount get error please contact customer support! So please verifiy my account for the 4TH TIME FOR REAL THIS TIME SO I CAN SEND MY BTC TO ANOTHER WALLET! I have 3 emails of proof my account has been verified 3 times!!! You have held my money hostage long enough! Please be a good business and fix this!
Product: Money transfer, virtual currency, or money service

Subject : Prolonged Resolution for Ticket # XXXX Summary of Communication : Initial Contact ( XX/XX/2024 ) : Issue : Unable to upgrade or unlock the account due to location restrictions ( XXXX instead of the XXXX ). 
Response : Acknowledgement of ticket ; further investigation promised. 
Follow-Ups : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX : Multiple attempts to check progress. Expressed frustration over delays and inability to withdraw funds. 
Responses : Repeated assurances that the issue is under investigation with no concrete resolution. 
Escalation ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) : Requests for explanation of delays and XXXX in customer service. Highlighted distrust in the platforms reputation. 
Responses : Reiterated investigation without addressing concerns. Suggested rechecking tickets via their support center. 
Recent Updates ( XX/XX/2024 ) : New inquiry about using XXXX XXXX and making crypto payments. Separate from the ongoing ticket, which remains unresolved.

Response : Asked to direct questions to the original ticket, despite it being unrelated.

Complaint : Despite repeated follow-ups over several months, Blockchain.com has failed to resolve or provide meaningful updates regarding my account issue ( ticket # XXXX ). This prolonged delay, lack of transparency, and inadequate support have caused significant frustration and distrust. I urgently request immediate action to resolve my ticket and assistance in withdrawing my funds.
Product: Credit card

I placed a credit fraud alert on my credit report in XXXX or XXXX and people are still opening accounts under my name and using them and it 's affecting my credit score and I am being turned down or any and everything thing and it 's not fair my score was at XXXX and not its in the low XXXX 's and nobody is helping me people have applied for XXXX XXXX XXXX cards, XXXX XXXX cards, old navy, XXXX XXXX cards and XXXX personal loans, and tjx rewards credit cards when I already have cards with most of theses banks and theses were all recently and the somebody applied for a XXXX XXXX XXXX credit card like 2 weeks ago and I want all this to stop please there are XXXX credit incuires on my XXXX credit repot and only XXXX of them are mine the rest are fraud and then there is like XXXX on my XXXX report please please do something I am wanting to buy a house and a car and I ca n't and none of the banks will remove anything from my report I have called and called the banks and Amazon says I owe them XXXX dollars to when its fraud transactions and they not remove them.
Product: Credit card or prepaid card

As of XX/XX/2023 statement, my account ( XXXX XXXX XXXX ) is showing a credit balance of {$37000.00}. ( see attached ). On XX/XX/2023, pursuant to 15 usc 1666 I requested a credit balance refund. The request was sent by certified mail and received by Amex on XX/XX/2023. To date, I have not received my credit balance refund.
Product: Payday loan

XXXX XXXX, XXXX I received funds from Delbert Services in the amount of {$2500.00}. I began repayment of the loan XXXX/XXXX/XXXX, with {$330.00} and beginning XXXX/XXXX/XXXX payments decreased to XXXX. I have made timely payments through XXXX XXXX, XXXX totaling {$6400.00}. I 've contacted their office requesting an amortization schedule and loan payoff. The only information received is that t I would have to pay {$2000.00} to satisfy the loan and the final loan date in XX/XX/XXXX. The documents received does not indicate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021 I mailed a demand letter to Experian, regarding alleged accounts on my credit reports of which I am not familiar because the account numbers states. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX notified Experian in the letter that pursuant to the FCRA 623 of their responsibilities and pursuant to FCRA 611 ( 15 U.S.C. 1681I ) Procedure In Case Of Disputed Accuracy they are to investigate and delete any inaccurate information on my credit report. 

As of XX/XX/2021, I have not received any response regarding my demand letter.
Product: Debt collection

On the week of XX/XX/2023 American Express called my husband who has filed for divorce from me several times throughout the week trying to collect {$300.00} from me that is merely only XXXX  month past due. 

American Express does not have my husbands phone number on my file. They went to the internet to search for his phone number and are now calling him nonstop. 

This must be illegal. Please help.