23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have an unemployment benefit card from Texas government. I used those funds to purchase items online. Several merchants aren't real merchants. They don't answer emails on time, if at all, their sites for the most part have either disappeared or relocated and I can't get anyone on the phone at US Bank. 

I have been trying to call for at least 5 weeks. I have been on hold over 20 hours. Each time I have been transfered for disputes to report it within the timeframe required, not a single person has actually connected me or helped. This is UNEMPLOYMENT funds. So, if they can hold my money hostage, then, what recourse do I have? We are often told violence isn't the answer. I wholeheartedly disagree. 

Who do I need to actually talk to get my money back. I have no reason to lie. You can contact the shippers. NOTHING has been sent or received. US Bank is in a position to really help people, yet they resort to the same heartless schemes as XXXX and others.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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.
Product: Payday loan, title loan, personal loan, or advance loan

I do not recognize the last XXXX digits of the number listed below, so XXXX unable to enter the full XXXX digit number in order to update to my current number. Ive reached out regarding this issue in the past and no one got back to me. I am unable to accept the advance because I have multiple accounts I dont recall setting up the other account.
Product: Checking or savings account

Provider is refusing to let me withdraw from my accounts with them. 
Requests for transfer of funds to different organization have not been executed since XXXX and still show as pending. 
Tried calling provider multiple times, and file support tickets online, since the week of XXXX, but no reply and no support answering any calls. 
Provider is BlockFi.
Product: Credit card

When I opened a CapitalOne credit card by phone, the sales person committed fraud by not disclosing that the card had a $ XXXX/mo annual " membership '' fee Until now, CapitalOne had been waiving this to make up for that, but now I 'm being treated rudely and I 'll need to close the account because they will no longer waive the fee they never freaking disclosed. 

It will hurt my credit score to close the account and I can not afford to, but I 'm not going to be hustled for $ XXXX/year either.
Product: Credit reporting or other personal consumer reports

I perversely reported this I did not make theses changes there are XXXX accounts where both cards was used theses card again my identity was stolen. 

Account XXXXXXXX XXXX XXXX XXXXXXXX {$460.00} as of XXXX .... 
ance XX/XX/XXXX Date opened XXXX XX/XX/XXXX Account charged off. 
{$560.00} written off. {$460.00} past due as of XX/XX/XXXX. 
XXXX Dispute Account name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX {$10000.00} as of XXXX... 
ance XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off, {$10000.00} written off. 
{$10000.00} past due as of XX/XX/XXXX.
Product: Debt collection

I have no idea where this debt originated. I've never been to a XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, at XXXXXXXX XXXX XXXX XXXXXXXX XXXX I called Wells Fargo to have 3 {$35.00} fees removed after I saw they charged this fee when I utilized the " grace period '' option and had made 2 cash deposits back to back. The first cash deposit was made on XX/XX/XXXX for {$240.00} and the second on XX/XX/XXXX for {$220.00}. The representative I got online was named XXXX. He stated clearly that the ATM, Mobile Banking, and Online banking are " not completely accurate, and that I should use a check recorder like in the old days to track my spending! ". I was shocked that he would make a statement like that, at which point I asked him what good mobile banking and ATMs are good for if they deliver inaccurate information. He said he couldn't help me any farther, and that no other reversals of fees would be considered and the call ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I have reported that arent mine that I have reported as fraud are XXXX XXXX XXXX XXXX - inquiry date XX/XX/XXXX XXXX - inquiry date XX/XX/XXXX XXXX  XXXX  - inquiry date XX/XX/XXXX XXXX  XXXX XXXX - inquiry date XX/XX/XXXX XXXX/XXXX  - inquiry date XX/XX/XXXX XXXX XXXX card service XX/XX/XXXX td retail card service - inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX  - XX/XX/XXXX all of these inquiries were not authorized by me, I request that they be removed, I contacted these companies none of them could verify I gave them permission to run a hard inquiry, non of them could provide a copy of my signature to give them permission.
Product: Credit card or prepaid card

Hi-I made a {$1000.00} payment on my HSBC credit card XXXX XXXX & it has still not been applied to the acct as of ( XXXX ). Multiple attempts to resolve this with HSBC have not been successful. Funds were deducted from checking acct. on XXXX.
Product: Credit card

Filed a chargeback dispute as a result of receiving defective merchandise from XXXX. I provided Citi with all information requested in a very timely fashion. Citi then adversely closed my dispute stating that I had not provided requested information in a timely fashion. I provided all requested information to them. At no time did they ever communicate with me that they needed additional information.
Product: Debt collection

this account is a result of identity theft it shows a person with a same last name as mine but I have no knowledge of the person listed and need this to be rectified I have been receiving threatening calls from this company
Product: Checking or savings account

On XX/XX/2023 morning I received an email from Card.com premium banking saying my account is approved and now is open and the card will be shipped soon. Following this email, I received another email saying my password is set. I have not opened this bank account and somebody has done this fraudulent activity. All my attempts to contact the bank has been failed ; ( they dont respond to the email, phone calls go to automated operators and dont connect to any representative or agent. The bank is completely unresponsive and irresponsible of consumers. It seems like this bank is an online bank only located in California which is opening accounts for customers without any security verifications.
Product: Credit reporting

To whom it may concern ; As of today, I have been notified by my Experian credit monitoring service as well as I did a credit pull on my credit and noticed that not only did I have ( XXXX ) inquiries that I submitted a claim on yesterday ( Case # : XXXX ), but apparently I had other inquiries that were initiated without my consent and obviously a fraudulent attempt to gain credit/money without my knowledge. 

I did temporarily lift my security freeze, giant mistake on my part, in hopes that once I contacted my current creditor XXXX they would increase my credit limit once they reviewed my credit, to which they did. What I was not expecting is that apparently somehow an application spree was then initiated in a 24 hour span. The following inquiries were unauthorized by me ; 1 - XXXX XXXX - XXXX/XXXX/2016 2 - XXXX - XXXX/XXXX/2016 3 - XXXX/Bank XXXX - XXXX/XXXX/2016 4 - XXXX - XXXX/XXXX/2016 First off, I have called and spoken and subsequently filed a complaint with each individual creditor 's fraud and credit card services departments accordingly. XXXX is adamant that they can not remove the inquiry because they have no record in their system that it even occurred. I called and spoke with XXXX, and they more or less do n't care even after they placed me on hold for a little over an hour. They stated that they would be sending me out a form so that I can put my request in writing. I then called XXXX and found out that this inquiry was also initiated online and was forwarded to their fraud department as well. They too stated that it should n't have pulled my credit and that it was frozen. I told them that it was clearly not and asked if I could forward to them via email, fax anything that would prove the inquiry does in deed exist. This too was to no avail. I was told that they deem inquiries as a factual account even though they ca n't find me in their database. I have no idea what any of this even means. 

Again, the only actual inquiry that I did in fact initiate was with my creditor XXXX. Please do not remove this accordingly as this is a legitimate action on my credit file. 

I would greatly appreciate your help with this matter. Lastly, I have tried to place my security freeze back on my file immediately, but was told by multiple people within your " Special Handling '' department that this was impossible until the lift expires. Is there any way you can place the freeze back on my credit file in hopes that this does n't continue? My PIN # is XXXX if needed for verification purposes. 

I can be reached anytime at XXXX XXXX XXXX XXXX, XXXXXXXXXXXXXXXXXXXX or via mail at : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX. 

Thank you for your time and help with this matter. I can not begin to tell you how much I appreciate it. 

Regards, XXXX XXXX XXXX Credit File # : XXXX
Product: Debt collection

I requested a temporary suspension of payments with Speedy Cash on XX/XX/XXXX by email to their customer service center due to my income reduction due to the COVID-19 pandemic. Speedy Cash responded, however ; they would not work with me. I was unable to pay, as my hours were reduced from XXXX hours to XXXX hours. The creditor Speedy Cash was never listed as an entry on my credit report, however ; the collection agency Ad Astra Recovery Services appeared on my credit report XX/XX/XXXX. I never received any correspondence or contact from Ad Astra Recovery Services. Then shortly thereafter, Speedy Cash appeared as creditor on my credit report approximately on XX/XX/XXXX or XXXX of XXXX and I never received any correspondence or contact from Speedy Cash.
Product: Credit card or prepaid card

On XX/XX/2022 there was a withdrawal of {$500.00} that we, my husband or myself, don't recognize. As a result my husband called the bank immediately to report this and get a new card, which was mailed some days later but we're given a temporary number in order to pay with if it was necessary. My husband have talked several times with people at the bank asking for a *video* that was taken when at the ATM machine. These people have promised to look into that to no avail, at the every body refer that the transaction was done at that ATM without irregularities. They can not provide the video or they are unwilling to provide it. 
I hope that with your agency 's help they will provide it. 
Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

REFUSED TO COMPLY WITH FCRA 609 and 611 I have received letters from XXXX, XXXX and Equifax stating indirectly that they will not give the information that I requested under FCRA 609 and 611 XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests where received on XX/XX/2021, and XX/XX/2021. 

In addition, Equifax has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, and XX/XX/2021. 

Lastly, XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, XX/XX/2021, and XX/XX/2021, and XX/XX/2021 XXXX
Product: Vehicle loan or lease

In XX/XX/2021 we leased a new vehicle through Ally. In XX/XX/2021 the vehicle was totalled. The insurance proceeds paid off the full balance of the lease and their excess funds in excess of {$20000.00}. These excess funds were generated by our trade on the vehicle and our down payment. Despite numerous requests Ally refuses to return them claiming they are entitled to keep our down payment and trade value. Ally has unjustly enriched itself.
Product: Debt collection

I was contacted by IQ Data International repeatedly on behalf of XXXX XXXX Apartment in XXXX XXXX for a debt that is listed on my credit report. On XX/XX/XXXX, I was contacted by a representative of IQ and was yelled at, berated, and talked over, after I told him I was not able to speak at the moment since I was picking up my XXXX XXXX XXXX XX/XX/XXXX from school. Because of our interaction, I called back and asked that the representative be taken off of my account. Instead, I was routed to the same rude representative who continued to yell at and harass me before connecting me to his manager, who introduced himself as an Operations Manager. From there, the operations manager demanded that I tell him why I wanted the representative off of my account. I told him I could not tell him because my daughter was in the car and I didn't want her to hear it but that he could replay our conversation since the calls are recorded. He then rudely and loudly reprimanded me for not wanting to talk to him and I told him I had every right to ask that the representative not call me anymore. From there, the operations manager slammed the phone down, hanging up on me. Their tone and language was so harmful that I almost had my husband call them on my behalf. Instead, I am passing along this information to you.

I was previously going to speak with them about discussing the account 's validity and resolving the debt but now I do not want ANYONE from IQ Data International to contact me anymore and it frightens me that many people are facing this type of harassment and abusive tone and language everyday. They should no longer be in business and I have no idea how they are successful in collecting debts if they are bullying, harassing, and berating consumers like this on a daily basis. With their  behavior, I wouldn't be surprised if customers DIDN'T pay them, just out of fear of interacting with them. I have never in my life been so disrespected by people who are asking me for money. I understand that everyone has a job, but that doesn't give people a right to behave in such a barbaric manner. 

To be clear, I would like them to be removed from this industry or, in the very least, be penalized for this behavior. I also do not want anyone from IQ Data International to  reach out to me ever again. If I continue to be harassed, I WILL hire an attorney.
Product: Debt collection

I requested to get a contract of the original debt and the company refuses to do so and I have requested a cease and desist and the creditor continues to call and send debt owing letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX ****XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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
Product: Vehicle loan or lease

Loan on a XXXX  XXXX XXXX, financed at dealership through XXXX program at Chase XXXX JP Morgan Chase, NA ). 

Began making regular monthly payments to Chase, no issues until I made two payments in XXXX, 2021 XXXX the XX/XX/XXXX and XX/XX/XXXX payments ) and the loan payment due date did not age two months to XX/XX/2021, only to XX/XX/2021. 

I called and spoke to a Chase representative XX/XX/2021. She stated that it is Chase 's " policy '' that they do not age payment due dates ahead except if the customer calls and requests this, and then, only up to three months ahead. She said that she will " reallocate '' the second payment I made in XXXX, 2021 to age the payment due date to XX/XX/2021. I verified a few days later that this had been done. I also requested to talk to a supervisory or management person about this " policy ''. She said that she had to submit this for a supervisor to call back one should call in 24 - 48 business hours. 

I never got the supervisory / management call back so I called Chase again XX/XX/2021. The representative referred me to a supervisor. That supervisor verified that failure to age ahead for payment ahead was a Chase policy, requiring the customer to call in for " reallocation '' of such payments when making them. He said that this was not his first such complaint and that he would submit this to management group as " feedback ''. 

On XX/XX/2021, I made another payment, which should have aged the payment due date to XX/XX/2021. However, it stayed aged to XX/XX/2021. 

On XX/XX/2021, I again called Chase. The representative said that if the payment due date is more than XXXX XXXX XXXX XXXX days in the future, the payment won't age the due date further unless the customer calls in to make this request. Such payments are applied as " principal ''. He agreed to request corrected reaging for this payment. I noted that in my payment history on XXXX, the XX/XX/2021 payment is shown as " payment '', not " Principal ''. He stated that despite this on Chase 's own records, it was considered " principal '' unless the customer calls in for reaging. 

Chase is unilaterally revising contract loan payment terms without any borrower agreement or authorization. A contractual monthly payment is exactly that, except when applied by Chase under their " policy ''. I further note that Chase does not even note or disclose this when accepting such payments through their web site. 

Loan documents set out loan repayment terms. Neither the lender, eventual holder, or the borrower can unilaterally revise these terms without full consent of any other parties to the loan documents. Chase call this illegal modification of repayment terms their " policy ''. That does not make it right.
Product: Debt collection

On XX/XX/XXXX, I received a response to my initial complaint to MRS BPO LLC where they stated that they would stop contacting me regarding a debt that I did not owe and was a result of identity theft from the previous property manager of my apartment. Since that day, they continue to email and call me to collect on this knowing that this is in dispute. This is illegal and should they continue I will will contact Utah 's Attorney General and seek a criminal complaint for harassment and pursuing a federal lawsuit for their blatant violation of the FDCPA. I no longer lived at the property during the time period they are trying to collect for as my lease ended XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I justified recently received a copy of my XXXX credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX 2017. I would like to have my historical payment history report. Some accounts are XXXX/ XXXX/XXXX XXXX/XXXX/XXXX XXXX.
Product: Debt collection

I have had serval accounts open in my name due to identity theft. I had filed disputes and submitted aN FTC report and still XXXX  had not removed these items! My score keeps going down and down! All the other credit bureaus has deleted these items but XXXX! I need these items to be deleted!! They are hurting my score and keeping me from getting a apartment!
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 section 604 A section 2. It also states a consumer reporting agency can not furnish a count with our written instructions.
Product: Credit reporting or other personal consumer reports

I have called numerous of times and sent dispute letters asking them to remove addresses that doesn't belong to me & nothing has changed. their violating my privacy, I included bills for verification