23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an American Express online gift card on XX/XX/XXXX in the amount of {$500.00}. I have tried to use it in store, online, and at a gas pump, all with no success. When I log in to view the card, it says each transaction was declined because it was missing a security code, but I entered the security code each time, so this does not make sense. When I called today, on Tuesday, XX/XX/XXXX, the automated system said that the retailer didn't require a security code, and I would have to choose somewhere else that required a security code in order to make a purchase, but this is not true. They have all required security codes, and I have entered the security code that was on the front of the card. 

Here are the failed transactions listed below : XX/XX/XXXX - I tried to add it to my XXXX account, but it would not work as a payment source. I removed it, but it kept XXXX cents. 
XX/XX/XXXX - I added the card to my XXXX and XXXX pay apps, since I read that was the only way I could use them. 
XX/XX/XXXX - I tried to use the card on my XXXX XXXX app to purchase fuel at the XXXX gas pump XXXX separate times, but it was declined each time saying " missing security code '', but I entered the security code in the app when loading the card as a payment source. 
XX/XX/XXXX - I went into the XXXX grocery store to see if I could make an in-store purchase, but the card was again declined. The American Express site continues to say " missing security code ''. 
XX/XX/XXXX - I tried to make an online purchase at XXXX through the pick-up system, since this would allow me to use the card online, but it was also declined, saying " '' missing security code '' again, but I entered all the card information when I loaded the card as a payment source, which included the security code. The system took XXXX cents. 
XX/XX/XXXX - I tried to complete an online XXXX order, but again the transaction was declined, saying " missing security code ''. When I entered the card information as a payment source, I also entered the security code. 
XX/XX/XXXX - I tried to complete a purchase with online retailer XXXX XXXX, but the transaction was declined with no reason provided. 

The card site says I must shop somewhere that required all the card information including security code, but I have entered the security code each time because each retailed has required it, and the card is declined saying it is missing, and the automated phone system told me the retailer didn't require it, which is not true. 

So, basically, I have a {$500.00} card that is not useable anywhere. XXXX cents has been taken on these attempted transactions, and I have not been able to get anything from it. Can you help?
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They call me constantly XX/XX/XXXX they called from XXXXat XXXX, XXXX, XXXX,XXXX, they also called from number XXXX at XXXX, XXXX, XXXX and XXXX. The day before that number called me 9 times and I have several other numbers for them calling me at early morning hours more than 2-3 times an hour. When I took their call they put me on hod to wait for the rep for 15 mins then rep wouldnt speak t me because I wouldnt " verify '' my personal info they have on file for me.
Product: Mortgage

Began a mortgage refinance application around XX/XX/20. The application process was straightforward - but everything fell apart after that. 

It was XXXX before I was anywhere near closing. I was transferred to several contractors inside of the company for information - none of them would request information/documents through a secure channel, they were requesting them through email. I had to continuously call the loan officer to get the items added to the secure system - I'm not sending a W2 and paycheck stubs through email ... 

At this closing, no one from the bank was available, nor was anyone from the settlement company available ( phone or in person ). I was not informed of amount to close before hand - which had increased by {$500.00}. I was not provided closing documentation until I showed up, and even though I was signing at my local bank no one there could answer my questions, including the branch manager. 

Once I attempted to refinance with my current mortgage holder, M & T cancelled the loan instead of attempting any negotiation or trying to help. My credit had been tied up for over 5 months, and they have done nothing to help.
Product: Credit card

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past,
Product: Checking or savings account

I opened an account with Capital on on XX/XX/XXXX as of today XX/XX/XXXX I have not received my debit card due to an error on their part. I was fine with this situation initially. I was using XXXX and online banking as needed to transfer money to my XXXX  XXXX XXXX account and back to pay for bills etc. today Capital One decided after I transferred my remaining balance into my checking account with them that they would lock out my XXXX access and Online Banking access. Essentially leaving my money in accessible my only option according to them is a transfer which according to them will take 3-5 businesses days. This defies common sense. It is their fault I am having to do everything through online banking to begin with because they didnt mail my card in a reasonable time frame so now I am expected to pay what will Amount to XXXX  of dollars in late fees between all my bills because they chose to lock access to my account arbitrarily because of too many logins it is their own system that requires so many logins its not like I like typing my password 30 times a day. This is a ridiculous policy which apparently they will implement but not a single employee within capital one has the ability to override even though the agree it is ridiculous. They you throw in the idea that they will gladly accept a wire transfer but my account is too new to allow a wire transfer to go out. Absolutely outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several calls, written several letters and sent this same affidavit to Transunion and they refuse to respond. I continue to tell them that I am a victim of identity theft and have told them that they are violating my rights by having the information on my report. Can someone help me?
Product: Mortgage

I originally applied for mortgage remediation in XXXX XXXX. My request was denied in XXXX XXXX. I applied for mortgage remediation again in XXXX XXXX. I started making trial mortgage refinance payments on XXXX XXXX, XXXX. My mortgage was refinanced in XXXX XXXX, and I returned the final signed documents on XXXX XXXX, XXXX. 

Despite all of my payments to the mortgage company, Citizens One reported my account as 150 days late as of XXXX XXXX, XXXX, and then 120 days late as of XXXX XXXX, XXXX. Both reports are false. When I called to complain about both items ( which are now on my credit report ), I was told that my account was now current, but that Citizens One would NOT be removing either negative item from my credit report. I have attached four files to demonstrate all of these assertions.
Product: Debt collection

I had a previous old debt from a credit card that I had defaulted on after a debilitating accident that left me XXXX and unable to work. I went to court when I received the lawsuit information from Madrich Law Group around XXXX. We agreed on a payment plan of {$25.00} a month. I asked to set up the plan on automatic payments. They said they could only set it up for 4 years and I would have to update it once the timeframe was over. The payments came out automatically until XXXX. I contacted them to let them know that I needed to update my banking information and address since I had moved. I confirmed that the payment plan would continue. I was unaware that there was an issue until I received a letter in XXXX saying that I missed payments and went against the agreement. I asked why the payments werent coming out and they said that the notes stated that I called in to discontinue the recurring payments. I said that I would have never done that. All I did was update the billing information. I asked for the recording of the call where I said to cancel payments. They were supposed to have a supervisor review it and contact me. I never heard anything back. I contacted them several times regarding this issue. They would not accept any payments other than the balance in full which I did not have. They dont even have the correct address on file after I updated it. Now I received a judgement letter saying that I refused to pay. This is all untrue. Ive been trying to work with them for years.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$3100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Several month ago I was referred to Coinbase.com by a coworker. I signed up and deposited funds from my credit card. Months pasted and I need to withdrawal my funds to pay bills. I found out at that point that I could not move my funds into a bank account because I 'm XXXX. There were many like me who were shocked and frustrated that this information was NEVER share by Coinbase.com with its XXXX customers. So infact they knew and never told us. 

Here is the even more pressing issue, on XXXX XXXX I decided to transfer my bitcoin and ether to a XXXX exchange which would allow me then to transfer the funds in my XXXX bank account and pay some bills. I was able to do what I needed to do with the ether but the XXXX not so much. I somehow moved the funds from my wallet to my vault and then realized I had to move it back to my wallet so I could transfer it out to the XXXX exchange. Again on XXXX XXXX this occurred and it said that their will be a XXXX approval period. Today its XXXX XXXX - that is XXXX business, so 15 days past the XXXX approval period. I contacted Coinbase.com to let them know the issue and for XXXX messages I sent I would get an auto response not even addressing the issue. 
What is most troubling is that my XXXX is nowhere it seems since XXXX XXXX, when I moved it from my wallet to the vault by mistake and then tried to move it back to the wallet, I noticed there was no balance anymore in my vault or wallet. 

Then I finally got someone who said they are working with a specialist to fix the issue and that was over 10 days ago and I never heard back from them and you ca n't respond to their email you have to submit a request and let me tell you they try to keep you from doing that as well. I have never experienced anything like this where everyday I contact them and get knowhere. I am about to miss a car payment that will effect my credit and this should and could have been avoided weeks ago. I have no faith that Coinbase.com will fix this in time for me, its been over XXXX weeks. An important fact to is that the value of bitcoin has dropped significantly since XXXX XXXX and I feel helpless to get access to my money. This is so far from being right and I 'm unsure what the FCC really does to prevent crooks like this from hurting alot of people. 

Even if this get rectified, I will still miss my payment, continue to be stressed over something that could have been dealt with properly. They clearly do n't care at all and these types of people make one loose faith in humanity not to mention the so called authorities that are supposed to govern or ensure no wrong doing. Not sure what is going on this planet but the level of greed is only growing and seems nobody really cares. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent by mail as experian does not allow faxing or web based uploads 3 different times the ftc report about approx 13 fraudulent accounts on my credit report company has refused to answer my calls or return them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611, It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit card

I received a new credit card from Chime in the mail which i had never applied for. I called them and let them know that i never applied for the account. They went ahead and closed the account but when i asked the how the account was created and if there were any charges, they told me i had to file a police report or a report with the FTC. So i went the FTC site which redirected me to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft.
Product: Debt collection

My wife and I do not have ANY accounts with Wells Fargo. However, they keep calling our numbers despite being told multiple times in the past several months that our numbers are listed on the do not call list and are unlisted/unpublished. We have also told them multiple times to stop calling us and to remove our numbers. Obviously they have not done this since we still get calls. Every time we get a call from XXXX it is a live person that says they are trying to collect a debt. As mentioned, we do not have a debt with Wells Fargo and this is just plain harassment! We have filed a complaint with the Do Not Call registry and will be following up with the Better Business Bureau as well as the FCC to report Wells Fargos continued harassment activities. Tonight, I spoke with a supervisor, XXXX XXXX, that assured me the numbers will be removed. I informed him that I would be filing a complaint with the Do Not Call registry as well as any other applicable agencies. If this harassment does not stop we will pursue other legal action against Wells Fargo. This complaint process asks for my information as the borrower but as I am not said person the contact information is skewed. This is so that my personal identifiable information is not divulged unnecessarily.
Product: Credit reporting or other personal consumer reports

Constant sim swiping while committing identity theft through XXXX XXXX XXXX XXXX, I paid my bill and the payment was missing XXXX  days later and I was told that my services were disconnect when in fact someone else ha walked into my account pretending to be me and they could never find my payment even when I provided a cash receipt of payment. I filed a fraud report because the person that took over the account was also accessing my IRS accounts
Product: Credit reporting or other personal consumer reports

Experian is putting incorrect scores on my credit report. They are dropping my score and I don't recognize the inquiries. The report for all three Bureaus are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This balance was previously with XXXX XXXX XXXX and was unable to be verified in XXXX or this year. I have no knowledge of this and would like it removed.
Product: Debt collection

FEDERAL ADJUSTMENT BUREAU INC Account number XXXX Recent balance {$2900.00} Supporting documents for incorrect information on my credit report.
Product: Vehicle loan or lease

Westlake Financial Services is inaccurately reporting my payments to the credit bureaus. On XXXX it is showing that I have not made a payment since XX/XX/XXXX. XXXX and XXXX are showing all my payments but is incorrectly reporting XX/XX/XXXX payment has 30 days past due. I have reached to them more that 5 times regarding this issue. I have also filed numerous disputes with the credit bureaus to no avail. Please help. I have all my payment confirmations.
Product: Vehicle loan or lease

XX/XX/XXXX - > XXXX XXXX leases XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX NJ. XXXX XXXX matures XX/XX/XXXX020.

> I have a pre-approval for a payment of {$290.00} from Nissan. 
> My wife has driven and would very much like to keep the vehicle > To lease another of same exact vehicle with a slightly lesser sticker than ours had, will require a lease payment " increase '' far greater than $ 110 monthly. 

XX/XX/XXXX - > I was Invited to do so with a great loyalty opportunity, > I visited my XXXX XXXX Nissan dealership with an offer of something special for me to lease a new Rogue S.

> My vehicle leased XXXX XXXX has less than XXXX miles on odometer. 
> I refused a horrible deal -with a {$330.00} lease payment > Dealer wants only to lease new on and grab my vehicle for resale with XXXX mi THE CRUXT OF MY ANGUISH HERE. I have been attempting to communicate with Nissan Motor Acceptance for the past three months. 

> You can not contact this company by any means you may attempt. 
> No phone calls are handled in person, > No emails. 
> I write them -- they never respond. 
> I sought to see if I can work with them directly as two different dealers I have met with only show a desire to get me into a new vehicle and get mine for resale. 
> I sought to get a XXXX extension on the lease due to all the dealer and pandemic issues. XXXX never answered a single letter. 

THIS JUST HAPPENED TODAY XX/XX/XXXX. 
> I have XXXX XXXX in XXXX NJ looking to supposedly help me PURCHASE the Rogue at lease end > It appears they are attempting to get me {$2000.00} more loan than i need > This dealer has not been forthcoming on lender or loan amount although asked XXXX My assistance request is for CFPB to compel XXXX XXXX XXXX XXXX XXXX XXXX XXXX to give me the courtesy of working with me directly to purchase the vehicle without visiting their less than professional dealerships possessing ulteriior motives to sell or lease a new vehicle. 

> That is all we can ask in this situation. 

> Customer service at XXXX is non-existent. 
> We would like not to have to deal with auto dealers that have shown themselves to be unprofessional and in some ways, outright devious.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report ou Violated the United States Code Law 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. I demand you to comply.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. Please remove all accounts that are not in METRO 2 Compliance. Also I do not consent to e-Oscar or any means of automated verification. Thanks for your help with this matter.

The items below should all be removed from my consumer report under 15 US Code1681i ( 6 ) as it has been over 45 days and you failed to comply.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Product: Prepaid card

I got an AMEX gift card from a rewards program and I can't use it anywhere.
Product: Credit card

I went to purchase some items at Home Depot in XX/XX/XXXX and made a Home Depot staff at check out who offered me a credit card with a promotion value worth $ XXXX {$40.00} discount on my purchase. I refused and offered to pay and leave but she insisted. I obliged her but after applying for the credit card she applied the discount of {$40.00} and I paid the remaining amount at the desk. 

I did not get any credit card subsequently and did not make use of any credit card from Home Depot. However, I got this bill for {$240.00} on the XX/XX/XXXX. I called the number stated in the bill to clarify and I understood that the card is issued by Citi Bank. I was not satisfied by the response of the customer services rep I spoke to therefore I went to the Home Depot Store that offered me the credit card. They promptly discharged me by telling me that it is none of their business. I need to get this bill cancelled as I did not get any credit card neither have I made any purchase through a home depot credit card. My understanding is that the discount applied at the day I made the purchase was a promotional discount. I also do not want to take any credit card from Home Depot neither do I need a citi bank credit card at the moment.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inquiries on my file that do not belong to me.