23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

My name is XXXX XXXX. I received a {$100.00} XXXX XXXX gift card in XX/XX/XXXX from my grandmother as a XXXX gift. I tried to use the gift card in mid to late XX/XX/XXXX ( around XXXX time ) at a XXXX. I both tried to register the gift card online and call it in after the physical card was rejected at a XXXX 's and it said it was unavailable and there was an error. A few days later I called the back of the physical card and spoke with a representative who told me the card is no good to discard it and they would open a case for me but I would need a receipt. I told them it was a XXXX  gift from months ago and I don't know if my grandmother still has the receipt. The representative told me the case probably won't go in my favor without the receipt as I need proof of a purchase. After a few weeks in either XXXX or XXXX we were able to retrieve a digital receipt because fortunately she used her XXXX credit card to purchase the gift card. When I called back with the receipt the representative said that there was no open case with my name or phone number and unfortunately I already threw away the card because the first representative told me to discard it so I did. Then the representative told me I would need to provide my address and a copy of my proof of residency such as a utility bill, copy of the receipt in an email to XXXX. After I did, I received another email saying since I didnt buy the gift card I had to provide my grandmothers information instead of mine. After I did that, I was then told I had to provide mine again since I'm filing the claim. Then they sent me another email after XXXX  days telling me they couldnt read the receipt or it wouldnt scan through or whatever excuse they gave me. So I resent it like requested, then got denied again, until I spoke to a woman who for the first time ever told me the gift card was used and had a {$0.00} balance as the card was used for {$20.00} and {$79.00} on XX/XX/XXXX. I told her that was impossible because I opened the gift card for the first time and the card was still in the wrapped in the seal until I opened it in XX/XX/XXXX also, I was informed that the gift card was unusable and wouldnt work after I tried to activate it online and by calling it in. She told me that I just had to sign a packet then would issue a new gift card. Then I received an email telling me the issue is closed because its been too long. Its been too long because of how long their customer service has been stringing me along, considering I originally called in XXXX and they rejected me in XXXX of XXXX! I called them after receiving that email asking what bank they are affiliated with as I am filing a complaint. They told me it is XXXX Bank and to send another email to open the case again. I did, then received another email that the case is closed. I have the case ID numbers if those are needed.
Product: Credit reporting or other personal consumer reports

A collection agency account, XXXX XXXX XXXX, recently appeared on my Equifax credit report, for a debt that I do not owe. I submitted irrefutable proof that I do not owe the debt that the collection agency is claiming in a dispute I filed with Equifax, however Equifax refuses to remove the account from my credit report. XXXX XXXX XXXX XXXX  made an error on a checking account that I had requested to be closed in XXXX, 2022, by mistakenly adding overdraft fees on the account that was supposed to have been closed. I notified the bank of its error, and they removed all of the fees ( {$150.00} ), and issued a final statement showing a {$0.00} balance on XX/XX/year>.
Product: Debt collection

In XXXX I canceled my services with XXXX when I moved to New Jersey and returned all my equipment. I never received a final bill with a balance. Fast forward to the present date I received a letter from I.C Systems INC claiming owed a total amount of {$840.00}. I contacted I.c Systems on XX/XX/XXXX to get better clarification on the matter. I first person I spoke to was rude and she hangup on me so I called back again because I when to resolve this is and the guy that answered also hang up on me when I was trying to ask for a bill breakdown. So I Called XXXX to see if I can get the final bill that was never sent to me I spoke with a guy on the XXXX XXXX department and he told me My final balance was {$410.00} including XXXX return payment fees and XXXX last fee, he also said he was emailing me a final bill break down when was never received. So on XX/XX/XXXX, I call cox again asking for my bill breakdown, and the guy to spoke with stated that the guy from XXXX I spoke with on XX/XX/XXXX should haven't told me he was going to email me my final bill and also told me that that balance of {$840.00} was including a fee I.c added after they bought the debt from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history.

Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter.

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my disappointment, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. With this, I am asking for your assistance to remove these fraud items in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX  Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; 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 XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; 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: Mortgage

My loan was originally with XXXX XXXX They offered me a loan modification in late XXXX of XXXX. They sent me documents in XXXX of XXXX, but I also received notice that they sold my loan to Mr. Cooper/XXXX loan servicing. When I contacted Mr. Cooper in XXXX of XXXX they said they would honor the terms that XXXX XXXX offered me on the modification. Also stated that they haven't received the whole loan file yet, so they don't know what the terms are yet. On XX/XX/XXXX I email Mr. Cooper thru their portal advising them of my modification from freedom. They replied back with my dedicated specialist XXXX XXXX. On XX/XX/XXXX I received loan modification documents that were slightly different from the one from XXXX XXXX When I received the documents I tried to contact XXXX but we play phone tag and never got a hold of each other. On XX/XX/XXXX I sent an email in their portal following up on my modification and the difference between their mod and XXXX XXXX. Sometime in XXXX I sent them the loan modification documents that Mr. Cooper sent me via they XXXX envelope. On XX/XX/XXXX I sent a follow up email asking the status and just received a general response. Then On XX/XX/XXXX in the morning I sent another follow up email asking the status of my loan modification. Later on in the afternoon I logged back into the system and saw my loan modification was denied. In the afternoon on the XXXX I sent an email in the portal as to why I was denied. Around XX/XX/XXXX or XXXX I received a mail in the afternoon saying my loan modification was denied due to lack of executing agreement. On XX/XX/XXXX I called and spoke to a general representative and they told me my loan modification was denied because I didn't submit my trail payments. I told her that I was waiting on a response from them if the loan modification was approved. In the portal the status of the loan modification stated reviewing documents submitted. She stated she was going to place a ticket in with upper management to see if they can honor the original loan modification terms. On XX/XX/XXXX I called to speak to a supervisor directly. The supervisor stated that the reason for my loan denial was because the reduction wasn't sufficient to meet their criteria. Not really sure what that means, but I want the original loan modification that was offered. She stated that this wasn't an option and that more than likely my request would be denied. Then on XX/XX/XXXX I received a new loan modification package with non favorable terms, basically the loan modification is more than my original payment. Completely different from the original loan modification offered. I contacted the VA loan servicing department and they stated that my lender should honor the VA Refund loan modification that was offered. 

I have attached the following documents to this email.
Product: Credit reporting or other personal consumer reports

Experian is allowing false and incorrect information on my credit report I provided an identity theft report for account XXXX XXXX and they did not remove account from my credit report
Product: Credit reporting or other personal consumer reports

I did not authorize hard inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I contacted XXXX XXXX loans about it right away when I got alert from XXXX Credit bureau. I believe, I am victim of identity theft. XXXX XXXX loans said they sent request XXXX different times ( first in XX/XX/XXXX, second time XX/XX/XXXX and third time in XX/XX/XXXX ) to all credit bureaus to delete the inquiry. So far only XXXX has updated my record by deleting unauthorized hard credit inquiry. Contacted TransUnion and XXXX to dispute via phone and online with no luck and denying that they have not received any deletion request from inquiry originator.
Product: Debt collection

On XX/XX/2020 company opened a collection Account # XXXX I have never signed any written document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer I do not know who they are and have not written consent from my end Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a credit card with a limit of XXXX XXXX XXXX XXXX dollars in XXXX of XXXX. XXXX  XXXX XXXX took the XXXX XXXX XXXX XXXX dollars. I complained to Synchrony Bank the issuer of the credit card. I complained that XXXX XXXX took the funds without my permission. XXXX XXXX paid the activation fee for the credit card and took the funds.I had an agreement with XXXX XXXX to finish the basement. Yet, they did not finish the basement. 
I complained to Synchrony Bank. They said they would investigate my claim. In XXXX of XXXX, Synchrony Bank wrote me. They stated I would have to pay the XXXX XXXX XXXX back because I benefited from the use of the card. I wrote them and asked them how did I benefit, in what way?? I have a right to know .I did not get the XXXX XXXX XXXX XXXX dollars nor did I get the work I requested done, so how did I benefit. They told me to pay the XXXX XXXX XXXX XXXX dollars and ask XXXX XXXX XXXX for a refund .Imagine that. 
Wouldnt a honest merchant be happy to state the services or materials provided.Yet, XXXX XXXX XXXX took XXXX XXXX XXXX XXXX dollars and refuse to say why. Why should I pay for what I did not receive???
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 checked my card statement online and noticed a fraudulent transaction was made on XX/XX/2021 in the amount of {$1600.00} at a store in XXXX, Massachusetts. I live in XXXX, Pennsylvania. Only 1 card has ever been issued to me and my profile setup has always given me an emailed receipt of all purchases. I called and reported this unauthorized charge on XX/XX/2021 and assumed that an investigation was initiated. They sent me a new card with a new account number and transferred the {$1600.00} to my account ; this making my limit over by {$500.00}. XX/XX/2021, I called back to follow up because the charge was still there but was told that I reported the card as lost and no inquiry was done. This in no way s true because I live in Pennsylvania not Massachusetts and also I called about an unauthorized purchase not a lost card. I am a senior citizen on a fixed income and this is not at all acceptable. As a consumer, I expected this to be resolved when I initially called in to make this organization aware of this issue,
Product: Money transfer, virtual currency, or money service

This is a mess... I have screenshots and made an extensive spreadsheet with transactions... 
I have been locked out of my account for a week.. 
I Just retained access and recovered my account today ( XXXX ) to see all of the fraudulent transactions... 
It is overwhelming to crunch all of the data on top of anxiety and stress of having my money stolen and taking losses in the crypto market without the ability to buy/sell any assets... 
I am beyond frustrated... please escalate this issue... I have been staying up day and night in worry and research... 
Besides that the customer service is not very helpful... I feel helpless... please escalate and respond ASAP This is affecting my physical and mental health.. 

*Early calculated losses include : ( A unauthorized withdrawal of ( XXXX ETH with a price of {$3700.00} per ETH ) ( from my Coinbase Pro account which is confirmed my a " time-stamped '' screenshot taken shortly before this debacle began ... .I keep good records of my funds... 
The hacker also converted ( XXXX ICP with a spot price of {$59.00} at time of transaction excluding fees into ( XXXX BTC ) from my coinbase account and then sent it to some unknown wallet ( Wallet : Sent XXXX BTC to XXXX ) ( {$82.00} USD Total ... .according to transaction history ) If I were to try to calculate the losses only including what was stolen from me ( not accrued losses due to loss of trading functions in my account platform ... .to which I still can not access ) would give a early- '' rough '' estimate of ( {$650.00} ) ... .this is unacceptable... and doesn't include my loss of time with my occupation, my children, and my sanity... someone need to respond quickly and give me some answers of I will have to start some litigation processes... 
I received an email about degraded service and then this happens ... what is going on? 
On XXXX ... frustrated beyond belief about no resolution into the fraudulent charges occurring on XXXX and XXXX attempted to close my Coinbase account that only had {$12.00} USD remaining in my balance from the debacle of online fraud... 

When I closed out the Coinbase account ... I then went to my Coinbase Pro account to find out that I could no longer access it ... I had a balance of roughly {$1900.00} USD in that account, which is no longer accessible... I just want to be refunded my money from this online service, including the NSF fees that were charged ... .this does not include the losses I suffered in the volatile crypto market during the time I could not buy/sell/deposit/withdraw/ or access any of my assets... this is robbery with horrible customer service... I feel helpless and frustrated... and my family is at wits end as well.. 

A total loss of {$2500.00} of assets, that I can not recover for transactions that I did not authorize, also resulting in ( 2 ) NSF fees from my bank for ( $ XXXXeach ). Countless attempts to resolve these issues were not resolved in a two week timeframe...
Product: Credit reporting or other personal consumer reports

All my XXXX accounts were transferred to XXXX at the end of XXXX and eventually paid off through the PSLF. Ive sent disputes to all three credit reporting agencies and the issue was resolved on all the agencies except Experian. Because of this Ive had 2 credit card accounts reduce my credit limit because of issues partially because my student loans still show a balance despite being paid off. XXXX shows a XXXX balance on their site, XXXX shows a XXXX balance on their site also. XXXX and XXXX shows that these accounts are closed but Experian has yet to adjust their credit report despite the numerous disputes I have filed.
Product: Credit card or prepaid card

Someone applied for and received a credit card with Comenity.XXXX using my information. They then purchased {$5100.00} worth of merchandise at XXXX. I received the credit card statement for this on XXXX. This was the first time that I became aware of the situation. I immediately ( on XXXX ) called XXXX to report the fraud, and they began a fraud investigation. XXXX, the customer service rep. I spoke to, suggested that I contact a credit bureau to report the incident. I called XXXX and did that. I then went to identity theft.gov, which led me here, to report this.
Product: Bank account or service

Update as of XX/XX/2017 : Hello..Today is XX/XX/2017 My Checking account by Chase Bank in XXXX California Has Inaccurate Charged and Fee of {$520.00} as XX/XX/2017 told me it was an Over draft fee for a transaction which is Incorrect! I disputed this charge and Still No Resolution. They took my whole Check with I receive from Social Security. I filed a claim XXXX regarding this error plus mistake that Chase Bank made on my checking account and I disagree with their response cornering my claim..Please keep in mind when I 1st Initiate This Dispute and Claim ... My account never was able to withdraw but 1 time Treasury Department and from my Social Security check, Which I have XXXX checks comes in monthly from Social Security and My Payday Loan from online company that I do business with. Chase Bank had my changed only debit card was changed.Basically Checking Account is still The same. Chase Bank stated I went to ATM and did a a transaction..By this it make it seems that I withdraw this particular amount {$480.00} from my account. I withdraw from my new card which Chase Bank deposited into my account from my dispute claim. I never withdraw my XXXX check from Social Security Check only withdraw my XXXX check in amount {$520.00} from my old debit card from Chase bank. This my Complaint with Chase Bank. They Treated me very Unfairly they Took my check on XX/XX/XXXX time XXXX California time zone when I called my Debit Card saying my account was negative {$520.00} and took my money when it posted from my Social Security Check. This is my Living expense income This how I pay for my monthly and This has Caused a me a Hardship crisis. As of XX/XX/XXXX-XX/XX/2017 Chase Bank Claims Department Contacted me her name was XXXX and Left me ... A massage stated they still denied my claim for refund of my money! and I spoke to XXXX on XXXX about XXXX and still claiming there was no erroron There part with My Checking account. I say they are not being honest and covering up for their mistake on my Account ... And took my check. Key point here.. Chase Bank # 1st Never Change my account number When this Issue 1st started with my claim for Social Security check on The XXXX of The Month which postes after midnight but I received myXXXX check # XXXX. Chase replacement debit card only which chase posted days later {$480.00} from The complaint I made to Claims department. On The same account which I complaint about. There focus was ... Its a chip card.
Product: Debt collection

Enhanced Recovery at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$490.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

An address has appeared as a past residence of mine (XX/XX/XXXXXXXX XXXX XXXX XXXX IL XXXX ) I have never lived/resided at said address. I have disputed about this matter ( XXXX ) and yet no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX  XXXX {$63.00} XXXX   XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX 09 XXXX XXXX 10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc of the inaccurate information that i have no knowledge of
Product: Checking or savings account

On XXXX  Capital One sent me a text message asking me if I made a purchase with XXXX  for {$39.00}. I told them no, I then asked who was the merchant, and they told me a subscription to a dating website and it was in California. I live in Texas. They created case XXXX XXXX and restricted my debit card and they are sending me out a new one.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX I submitted a request for verifying my personal information and provided my correct personal identifying information. In return, the necessary changes were not made to my XXXX and Transunion credit accounts. In fact, additional information was added regarding employment histories and an address in which are reported inaccurately and incorrectly.