23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX customer since XXXX. In XX/XX/XXXX I opened a new credit card account. when I realized the membership fee was {$450.00} I called the company within 6 weeks to cancel the card and to get a reimbursement of {$450.00}. I was told this would be done promptly. I then continued to get statements from the bank. I then called again in XXXX. I was put on hold numerous times, and eventually disconnected after being told that I had never called a few earlier, even though I had. The person I spoke to told me it was " too late '' to get a reimbursement of the fee. Eventually I called back a few months later and convinced a supervisor to fully refund the membership fee and close the account. In the meantime, and unknown to me, the bank reported two payments ( XXXX and XXXX ) late. Had the membership fee been properly reimbursed when originally requested, I would not have been reported to credit bureaus as being 30 days late. This has adversely affected my credit score : I have had NO delinquencies over 30+ years and had a credit score well above 800 however now it is around 760. The bottom line is that the bank put roadblocks in my attempt to secure a reimbursement of my membership fee and to close my account. I don't know if this is a systemic issue or not so that consumers can not close accounts and get reimbursed but I spent countless hours trying to accomplish a simple task : to close a credit card account and to secure a reimbursement of a membership fee. Not only was I stymied, but now my credit score has been impacted.
Product: Credit card or prepaid card

I am using a Costco Visa card through Citibank to purchase online through Costco.com and avoid going into the stores. The purchases are being charged a PREMIUM price for home delivery. As a result, I am accumulating 2 % cash back by using the REQUIRED Costco Visa card. I received a {$120.00} Rewards Certificate in the Mail and called Citibank to apply this certificate to my credit card payment. They stated that though they allowed it this year, they are no allowing it in XXXX. 

They are requiring that the only way it can be used it to PHYSICALLY shop in Costco. COVID-19 is no better than it was in XXXX and is in fact much worse in South Florida with new Variants. I have an XXXXXXXX XXXXXXXX and am too young to get the vaccine. I WILL NOT BE SHOPPING in any stores for the foreseeable future. Citibank is only too willing to have my charge to their card, but is unwilling to accept the reward certificate I receive from doing so. This is egregious and forcing people who want to spend their cash back into the stores and endangering their health and the health of others. 

I want Citibank to agree to take the certificate as an alternative form of payment against my credit card payment. It has a number that is unique to the certificate the correlates to the bar code. This should be a very easy thing to process and they DID accept this as a form of payment in XXXX, so their systems are already set up to handle this transaction.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX, I have an account with coinbase that is frozen from XX/XX/2021, what happen was that due a XXXX I had to fly to XXXX to see my mother that was sick, at the entry I was put inXX/XX/XXXXdue to XXXX security issues. And I wasn't able to keep my personal item including my phone without any explanation from the authorities in XXXX. 
Someone unknown had access yo my item including my phone and tried to open some of my personal account and coinbase was one of the affected account, After a couple days I recovered my personal item And phone and I saw an email from coinbase telling that my account was restricted, as soon I read the email I get back to home country ( USA ) to resolve the issue, by that day I was permanently of the United state, and at this moment I'm a united states citizen, at the first time they asked to provide information and documentation to proof my identity, I sent them all information, they wrote me back a couple months later by email telling me that they received the information and the investigation was ungoin, has been 11 months and nothing yet from them... 
I provide them everything that they asked me but today is XX/XX/XXXX, 11 months waiting for a resolution and not answers yet from coinbase..im asking them to take step in this issue and provide me with a resolution as soon as possible..thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is supposed to remove all 3 tradelines from the 3 major credit reporting agencies as part of a class action lawsuit settlement. I submitted the lawsuit paper to all 3 credit bureaus and they will not remove the tradelines from XXXX. I contacted XXXX XXXX several times to remove the tradelines with no sucess at all. It is part of a settlement regarding repossessed vechicles with balances being reported on the credit bureaus. XXXX XXXX XXXX is supposed to remove the information on all 3 major credit bureaus. Ive disputed st least 3 different times to all 3 credit bureaus and they will not remove the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Lexington Law Firm a total of {$500.00} from XXXX XXXX to XXXX XXXX. I paid them to remove negative items from my credit reports. Lexington Law Firm did not remove any negative items from my credit reports. XXXX XXXX XXXX credit reporting agencies )
Product: Debt collection

For 7 years we have been receiving phone calls from Municipal Services Bureau for debts of various people that have never even had this phone number or lived at this address, and we have on numerous occasions called to tell them this .... They still " robo '' call us ... Now they don't even state who's debt they claim is owed ... Not ours though, since we have none owed to anybody. Some days there are multiple calls from this company
Product: Credit card or prepaid card

I made a timely payment to American Express on XX/XX/2020 in the amount of {$75.00} XXXX more than required ) as my usual monthly payment on their credit card. American Express took {$150.00} from my XXXX  XXXX XXXX account. The first person I spoke to at American Express said they did not take two payments. XXXX  XXXX XXXX provided me with two ACH numbers, each one for {$75.00} sent by American Express on XX/XX/2020. I called AE again to begin an investigation and provided them with the two ACH numbers used to withdraw my funds. I was told it would take 6 to 8 weeks. Then they called me back and said it would take 8 to 10 days. They have been unjustly enriched and my bank account has been reduced. At this time, I have no idea what AE intends to do to correct their error. Please provide me any assistance you are able to give.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions unfeasible. The CFPDs 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX  XXXX Balance : {$400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

My name is XXXX XXXX and this is the name on my mortgage documents. 

My mortgage was sold to Freedom Mortgage in XXXXXXXX XXXX. I received a Welcome letter from Freedom Mortgage with all pertinent information is XXXX, XXXX. 

My Mortgage XXXX number is XXXX. My mortgage payments are mailed to : Freedom Mortgage, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX. 

Since the receipt of the welcome letter I have received only XXXX statement from Freedom Mortgage. I am enrolled to receive paper statements. 

On XX/XX/2022 I made a payment for due date XX/XX/2022. Freedom Mortgage received this payment on XX/XX/2022. My due is now XX/XX/2022. 

When I check the account online there is a statement generated XX/XX/2022 with a due date of XX/XX/2022. However, I never received the statement. My spouse, XXXX XXXX, called Customer Service at XXXX and was told that the statement dated XX/XX/2022 would be mailed again but I never received it. She was told that I could not receive a statement with the correct due date of XX/XX/2022 until XX/XX/2022. 

Today, XX/XX/2022, XXXX XXXX called and requested to speak to a supervisor. She was told that would be the XXXX Department. Initially the XXXX Department refused to speak to her. When she requested to speak to the supervisor over that department, and after informing the Customer Service Representative that I intended to file a complaint with the Consumer Financial Protections Bureau, they agreed to speak to her. XXXX XXXX, XXXX ID XXXX, stated that the problem with my not receiving statements is because I am paying my mortgage too early. She stated that if I wanted to receive a statement with the correct due date I would have to pay my mortgage after the XXXX of XXXX for the XXXX due date in order to receive a statement and for the statement to reflect the correct due date. She said she will re-issue the last statement showing a due date of XX/XX/2022 and I should receive it by XX/XX/2022. 

I feel that this is unacceptable. I have had mortgages with several financial institutions and never experienced a problem like this. With previous mortgages companies I have dealt with, if I made a payment, a statement was generated with a correct due date and I received it within a couple of weeks. 

I feel that is unfair that I can not pay my mortgage more than XXXX weeks ahead of the due date if I want to have a statement mailed. I also think it is unfair that I can not get a statement with the correct due date mailed to me. 

My address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My phone number is XXXX. You have my permission to speak to my spouse, XXXX XXXX regarding this issue. There is also a document on file with Freedom Mortgage authorizing her to speak to Freedom Mortgage and conduct any necessary business related to the mortgage. 

I would appreciate any assistance you can provide regarding this matter.
Product: Debt collection

They call every XXXX min at least XXXX per day.  I work during the day so I can't leave to pick up my personal cell phone everytime my phone rings. I have told this company before that it is to the point of harrassment since they call so frequently and NEVER leave a voicemail with this specific phone number. I have told them before to leave a message and I will get back to them when I am free.  But they have not honored my request.  They said it's an autodialer and they can't control it.  That doesn't make sense at atll!  I would love to call them every XXXX and hang up--see how they like it! Ridiculous!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I discovered that my identity was stolen. My estranged parents forwarded the documents to my work address. Apparently, around the date of XX/XX/XXXX, someone opened a bank account in my name using an old address, where I have not lived in many years. That outdated address ( where my parents still reside ) is in XXXX Illinois. 
I received further information from the associates at my local Chase Bank branch in XXXX ( who have been very helpful ). That information includes : 1 ) My actual phone number and my actual email address were not used to open the account. 2 ) The account appears to have been opened online by an IP address located in XXXX Illinois. 3 ) Immediately after this checking/debit account was fraudulently opened in my name, XXXX fraudulent checks of {$1000.00} were deposited for a total of {$3000.00}. 4 ) {$1400.00} was then sent via XXXX to other accounts ( {$490.00} on XX/XX/XXXX to XXXX XXXX, {$490.00} on XX/XX/XXXX to XXXX XXXX, {$490.00} on XX/XX/XXXX to XXXX XXXX XXXX XXXX ). 5 ) The fraudulent checks were immediately deemed suspicious and flagged by Chase Bank. 
The account has been closed and I have placed a security freeze on my credit. I am now making a report to the FTC. I am also filing a report with the XXXX Police and the Chase Bank fraud team. The XXXX Police Department has refused to take a report, although they are aware of my parents ' continued harassing behavior and the fact that they have previously tried to sabotage my financial security. In the past, my mother has also purchased a cell phone, set up mileage-plus accounts, and opened a checking account using my name, her name, and her home address. I used to just go along with it, and not stress out about it, under the long-time assumption that my parents would always act in my best interest. I now realize those efforts were in fact ways for my mother to keep tabs on me, improve her own credit after her identity was stolen, and transfer miles to herself and my father after my travels. In short, I now realize that my mother does not reliably act in my best interests. 
Due to their harmful behavior, my parents do not have permission to contact me and have not been given any of my current contact information. However they found my work address online and have been sending correspondence to that address. In XX/XX/XXXX, I emailed them telling them firmly not to contact me, and they continued to do so, so I reported this continued harassment to the police in XX/XX/XXXX. It is possible they are trying to instigate further drama ; it is also possible this is a completely random identity theft. 
I confirm that I have never applied for any Chase Bank account ; I do not have any bank accounts, credit cards, or loans with Chase Bank ; and I did not open the Chase Bank account ending in XXXX last month. I do not know who did open this fraudulent account using my name and that outdated address, but it would not surprise me if my own parents were behind this.
Product: Bank account or service

CAPITAL ONE 360 mistreated their client. They have just closed the accounts and reported occurrences of fraud to other banks when fraud never occurred. In addition they contacted other financial organizations and spread security risks about their client! Capital One still did not respond to the cease and desist order filed by XXXX! Their response is needed immediately!
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 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 has violated my rights. Or 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: Debt collection

IQ Data International called me in XXXX stating I owed a debt from XXXX from an old apartment. It is now XXXX. They demanded that I check my credit score and tell them my credit score, apply for loans, take out tax advance loans or other forms of loans/debt to pay them. They kept me on the phone for long periods of time and hold times to harass me and bully me. 

They added over {$400.00} interest supposedly to this debt which I do not know if it is legal. I have paid them {$50.00} plus an additional {$70.00} in XXXX. 

They called me today XX/XX/XXXX stating the payment declined and that I needed to pay today or further action would be taken and it would be escalated. I advised the rep about personal things happening in my life and I needed to talk to an attorney possibly about this. I also said I was going to the hospital for an emergency and she wanted to keep me on the phone saying that did not matter. She also told me I was threatening her with an attorney and needed to take care of this and that I agreed to it. Someone else got on the phone after placing me on hold and said I need to file my taxes and that it only takes 25 minutes and I need to call by Monday at XXXX or escalation would take place. 

Prior to todays phone call, I asked them to mail me a copy of the debt which they did. I actually got it in the mail today. I am disputing the cleaning charge, carpet cleaning charge, stain removal charge. We moved out of that apartment and it was very clean and tidy. 

I emailed them asking to no longer contact me by phone today.
Product: Credit reporting or other personal consumer reports

I wrote a letter about a false inquiry on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of this inquiry from my credit report ; given that it has been more than 60 days, it should be promptly deleted. I demand that this inquiry be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Transunion about some inaccurate accounts on my credit report. they verified these accounts through automatic verification which I did not consent to. XXXX found these same accounts not mine and removed them but Transunion has yet to do so. They have violated my rights and these accounts should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft and after checking over my credit report with all 3 bureaus I have noticed inquiries that I am not familiar with. I have submitted letters to Equifax, XXXX, and XXXX, as well as to each of the creditors to try and get the inquiries removed because I did not authorize my reports to be pulled. I believe they may be a result of my identity being used by someone else. I have placed fraud alerts on my reports. I am now in the process of cleaning up my reports and taking the proper actions to try and get everything resolved. These are the inquiries I do not recognize. 

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