23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Well, I filed a dispute with my credit card for a large amount of money. A woman named XXXX promised to contact me after calling her supervisor. However, I never heard from her. I left XXXX messages on her machine and also called and left a message for her supervisor. No one ever called me. I asked if there was other information they needed and she said, typically not, your services were not as described. I have protection under my master card credit card agreement, but the part I 'm contacting you about is the failure to communicate. I 've been asking for months, but no one will speak to me. If someone promises to call so I can get my facts together, fine, but now no one at USAA will return my calls. I 've called repeatedly. Then, I got a letter -- much after these events -- asking for all the same information I already filed. This person has mismanaged my case. I explained the details completely and submitted them. She said she did n't need the information and now suddenly she lost all of it. I do n't understand how my case is being mismanaged so terribly and why a supervisor wo n't call me back. It is disturbing. I want my money back. The amount of the dispute should not be in issue. It is within my rights to have the information and be communicated with in a timely manner. The fact that XXXX lost all of my information and sounded confused about my case reveals that she did n't even investigate or look into it. I have a provision in my case that states if the services were not as provided I could have my money back. In this case I left written documentation and forwarded it to USAA. I did everything on my side and now they want me to do it again. no one ever returned a call. I do n't want XXXX, I want a supervisor. and still no one called m back. I have been at the bank with the card for many years. Why ca n't they honor their word to me that I would get my money back?
Product: Credit card or prepaid card

I was given a {$300.00}. VISA gift card on XX/XX/2020 from my grandmother which was bought from XXXX 's on XX/XX/2020. I attempted to use the card 11 days later at XXXX 's, and there was only {$1.00} left on it. I immediately called " cardholder services '' the number on the back of the VISA gift card and was instructed to send in numerous documents including front and back of gift card, front and back of my driver 's license and the gift card receipt. I told them that my grandmother did not have the original receipt any longer and they said to obtain a copy of the receipt from the store where it was bought. My grandmother went to XXXX 's, was given a phone number to call by the store manager, and was emailed a copy of the receipt from XXXX XXXX, Manager, Retail Support Services Ralphs/XXXX XXXX XXXX/XXXX, which was also provided. As of XX/XX/2020, " cardholder services '' claims the receipt I provided is not valid as they can not find it in " XXXX look up system ''. I don't know what that means, but it is a valid receipt. They are using this excuse not to reimburse my gift card, which was depleted fraudulently by an unknown source. I have spend $ XXXX faxing documentation to " '' cardholder services '', have called repeatedly ( no one calls me ). To me, this is a scam not to reimburse me for a stolen gift card, when I have provided all necessary documentation and proof of purchase of the gift card, which is supposedly the only reason they are not reimbursing me now.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I XXXX have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get 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 XXXX
Product: Checking or savings account

I signed up for Credit Karma checking account via XXXX XXXX to get my tax refund deposited for a {$50.00} promo credit ( only to later find out that my tax refund was declined and sent via mail ). I of course never received my {$50.00} promo credit and when I contacted support they said ( one more than one occasion ) that the promo ended XX/XX/2021 even though I confirmed that to be a lie with the help of my XXXX XXXX expert, XXXX. Now I'm out my $ 3000+ tax refund AND have to patch things up with payroll at my place of employment. Credit Karma never replied to my email over this entire WEEK. When I called and spoke to a manager named XXXX ( XXXX? ) today I was not given my {$50.00} promo credit and had to transfer my money out of this pseudo bank account to my XXXX checking account myself. My account is still not closed and I am once again waiting for somebody -- anybody -- to contact me via email about this because nobody ( even the aforementioned manager ) would help me out. I want my {$50.00} deposited to my XXXX account and this Credit Karma " bank '' account cancelled.

Note : I just received an email from Credit Karma saying they would NOT even transfer my money into my XXXX account ( DESPITE me transferring money FROM my XXXX account INTO my Credit Karma " bank '' account ). PLEASE HELP ME GET MY MONEY!
Product: Money transfer, virtual currency, or money service

From the XXXX XXXX 2017 I have been locked out of my crytocurrency trading account on www.coinbase.com I have tried to contact coinbase to resolve this through email requests only to recieve automated messages and a faint promise of help " soon ''. 
Further attempts to contact coinbase through their support phone line have resulted in nothing after waiting in excess of 4 hours on " hold '' to talk to someone. 

This complete lack of service is unacceptable. 

Avoid using coinbase if you can.
Product: Debt collection

XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, MD XXXX is running a scam where they tell customers they will pick up their vehicle from autobody shop, they let the car sit for days and charge you for those days of car sitting there. Office doesn't pick up phone when you call, it rings off the hook. XXXX XXXX customer service is just as bad, I had to initiate disputes twice with them but no one ever reached out to me to investigate ask for supporting documentation which I absolutely have. Reviewing XXXX reviews of this location there are all 1 star reviews with several attesting to same issues of being charged for days car sat in lot and no one picking up phone ( I included screenshots of 3 such similar complaints which are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, which shows this fraudulent behavior is gross and ongoing for years ( Text copy and pasted below, as well ). I filed a XXXX report. 

Snips of reviews from here : https : XXXX XXXX former reviewer : 1.0 star rating XX/XX/XXXX To begin with it took me hold for 30mins to make arrangements to be picked up at the collision center. I only went with them because the insurance company made me. The have the worst service ever. I was told I could drop the car off at the dealer and they would pick it up. They didn't pick the car for another two days which cause me to be charged an additional {$100.00}. 

former reviewer : 1.0 star rating XX/XX/XXXX I had arranged a month in advance to have a rental car when dropping my car off for repairs. I called them two days in advance to confirm the pick-up time. On the day I dropped off the car, there was no car and they did not pick up my calls after multiple attempts. Apparently this is a recurring incident with them, and I don't understand how they stay in business with their horrendous customer service. 

former reviewer : 1.0 star rating XX/XX/XXXX I've been trying to call XXXX Customer Service to find out if they have a drop off box ( the answer will impact my work day ) and nothing. I've been calling since XXXX ; my boyfriend has been calling since XXXX ; my brother has been calling since XXXX. It's now XXXX. No one has picked up. There is no voicemail. It rings and rings and rings ... ..am I to assume we can keep the car? Terrible customer service. TERRIBLE! I thought they would be different since they recently ( very recently ... the address is no longer XXXX XXXX XXXX ) moved location to a bigger lot, but it's all the same. They never answer the phone ; they never have the car you sign up for and they keep you forever when you're there because they have to clean the car for you. I honestly think only one person works there. This was the last time. I'm going with XXXX next time. No longer going to bother, but you better believe I'm not paying any additional charges, if they put them on my bill. I dare someone to contact me or respond here. Get your reps to answer the phone ; you're not that busy. This is a joke! I've been calling for over 5 hours ( currently on the line ... ring ring ring ring ).
Product: Debt collection

I have been repeatedly misled by different representatives. Im harassed daily by this Consumer Portfolio Services. Ive tried to work with them in a difficult financial stress that has been the result of the pandemic. Im threatened daily with phone calls- phone number comes up as a yellow triangle with exclamation mark in it. Im very embarrassed and insulted by this.
Product: Credit reporting or other personal consumer reports

I have been greatly affected by the incorrect credit score reporting by all 3 bureaus, XXXX, Equifax and XXXX. It shows that I was past due on an account from XXXX when this is incorrect. I have mailed XXXX letters and disputed this many times with no success. I have provided bank statements, credit card statements, and any proof needed to show that this information is incorrect. As a result of this, it has now been over a year and I have found myself in poor credit standing for a long time now, this has affected me greatly as I used to have a good credit score and it bought me down by many many points. Financially this has been a burden as good credit standing is very important. I was hoping my many efforts would work but everything has been to no avail. I have even called the credit card company and they have resent all documents to verify that this reporting is indeed incorrect.
Product: Credit card

I applied for a credit card with Discovery and they denied me due to my credit history. In accordance with 12 USC 412 the request for notes is discrimination and restraint of trade and conspiracy. Due to the fact that they violated the law I as the beneficiary has been denied my credits and have given my information in trust that is a violation. I want to know how much my application was ran for and how is it that I am not allowed my securities that I applied for. The fact that Discovery having my private information and reporting on behalf of me without my consent they are holding my securities and my credits and I'm not benefiting in no type of way. I want to know how much the maximum amount of the application and who allowed them the power of attorney to do this type of theft. They are causing harmful damages to me by they're actions and I'm not benefiting from any if this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Auto Loan with XXXX XXXX XXXX ( Balance {$31000.00} original Loan {$36000.00} ) It was removed from my credit report and I wish to have the auto loan reporting again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my reports online. XXXX and XXXX. Are reporting XXXX XXXX collection account. Which has opening dates inconsistent. On All three Credit Reporting Agencies Reports. This account is XXXX XXXX. Which was sent to XXXX XXXX XXXX XXXX. For collections from XXXX XXXX. This account shows on All three of my Credit reports. Okay its inconsistent information. Which means this account should be removed.
Product: Student loan

I did receive a student loan from CitiBank while in school. After I graduated I did enroll in a payment plan to pay my student loans. For whatever reason ( I never realized it ) this loan was not included in my repayment plan, but all my other student loans were included. The student loan from CitiBank that I approved was for the amount of {$1700.00}. It was only one loan in the amount of {$1700.00}. CitiBank reported to the credit bureaus that I have two accounts in this amount. The student loan ended up going into collections for nonpayment. One account was closed on XX/XX/XXXX, and the other account was closed on XX/XX/XXXX. The account that was closed on XX/XX/XXXX has an inflated balance of {$3900.00} from the original {$1700.00} that was the approved student loan amount. I question if my case falls into the CitiBank lawsuit that was recently conducted. I have recently tried to contact a collection agency that sent me a statement to payoff with a lump sum. They told me they had sold my account. I have called CitiBank trying to contact the company who currently has my account. CitiBank has not returned any of my messages and another department from CitiBank says they can not help me because they no longer have my account. I hve called and left messages with seven different phone numbers to no avail. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent in a letter regarding inaccurate and unverified items on my credit report and to this day I have yet to receive a response. It feels as if my disputes are being ignored and I feel taken advantage of behind this. Section 611 ( a ), it plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands.
Product: Credit reporting or other personal consumer reports

This evening, I came across unauthorized inquiries on my credit report, and Im at a loss as to why theyve suddenly appeared. I did my usual credit check, but this time, I found discrepancies that werent there before. I even refreshed my browser, hoping it was just a temporary glitch, but the unauthorized inquiries didnt go away. Im extremely concerned and asking that you carefully review the documents I've sent to ensure I no longer have to worry about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXXL XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX Balance Owed : XXXX} Late open XXXX XXXX Balance Owed : {$XXXX Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {XXXX0} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX & XXXX XXXX Balance Owed : {XXXX} XXXX XXXX Balance Owed : {XXXX Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was notified by XXXX XXXX that a new account had been reported on my Transunion record. XXXX XXXX asked me to verify the accuracy of the information that Transunion had reported. I signed into my XXXX XXXX account and noticed that there was a soft hit, a hard hit and an account which was not of my doing. I called the credit card issuer and spoke to a representative who informed me that the address on the credit card was not the address I had given as my address. I then immediately went online to the three major reporting agencies to alert them to fraudulent activity on my account. While on the Transunion site I filed a complaint to seek to have the fraudulent account removed from my report. According to the response that I received from Transunion, they had contacted the card issuer and determined that the account was valid and that my complaint was therefore invalid.
Product: Credit reporting or other personal consumer reports

I have several inaccurate payment statuses between my XXXX credit reports which to my knowledge USC 1681e ( b ) and 15 USC 1681i ( 5 ) which state that all information on my credit report must be 100 % accurate across all three credit reporting agencies otherwise the account must be updated to reflect as accurate or removed from my report, and by law, I would like to have several accounts removed. 

My transunion, XXXX and experian do not reflect the same credit, my singular name and accurate payment dates. I have serval accounts that have changed or back dated payment date statuses from unknown to current to charged off. 

I also received several notifications about my information being compromised during the data breach and Im getting a lot of spam mail, text messages and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is reporting that the amount owed was discharged in bankruptcy however the balance owed was paid off in XXXX of XXXX The original creditor was XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I am not satisfied with the response for case # XXXX I have opened an account with a promo code and consumer care team also confirmed the same. Now USB is saying this is a training issue. 

I want {$400.00} as they promise through a Check, as I have already closed the account after waited for 8 Months. 

Initial Issue - US Bank is not honoring the bonus of {$400.00} even if maintained the salary deposit of $ XXXX for 3 months. Called multiple time and confirmed that Bonus code was correct, visited office at well at XXXX XXXX. 

Initially got some response, but past few weeks no response of my email. Please help me here, as I have blocked my money for more than 4 months to get the bonus. 

Customer care confirmed on XXXX XXXX timeframe that promo code is correct, all good and wait till XXXX end.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Hello! 

On Friday the XXXX I saw that my paypal was hacked and someone fraudulently opened up a debit card without my knowledge. I reported the unauthorized transaction and paypal refunded the scammer and not me although they said it was a fraud transaction. This leaves my account in the negative XXXX dollars I am XXXX and on a fixed income so paying this back is very difficult. I found out a few hours later they have banned me from paypal for life and will not respond to any of my messages. I do not want this out standing balance to ruin my credit. Please help as I am very stressed out and should not be held responsible for this hacking. Paypal ruled I my favor that the transaction was fraudulent but returned the money to them and not me. They are now saying I owe the XXXX dollars and my paypal account is permanently banned and my credit will be ruined as a result.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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
Product: Bank account or service

I opened the Everyday Checking with BMO Harris over the phone in XXXX 2016. The promotional code that I used for the {$250.00} checking bonus was n't expired until XXXX XXXX which was after when my account was established. This code was confirmed originally by the phone agent, and the bank should have kept the recording of this phone call as proof of my claim. Moreover, I also have email proof of this promotion sent by the bank so there is no denying from the bank for refusing to honor it. The worst thing was with their customer service which seemed to have mostly been trained to tell all customers that the promotion was not from the bank at all, and the bank website has been hacked or at least the promotion page was hacked to send out this bonus. I have NEVER heard such a ridiculous response from any other financial institutions before, and it is seriously shocking to learn that a good sized bank like BMO Harris could NOT honor its bonus for whatever reason. 
The second issue is with the XXXX monthly fees charged. I have to say that their banking system is the worst I have ever dealt with, even credit unions are having better systems to make the process easy to use and streamlined for their customers. When I created my online banking account I expect everything to be automated and did NOT have to call customer service to get it to work. This has been my experience with any other financial institutions that I 've dealt with, however BMO Harris system is different and does n't work without manual intervention. The request for refunds is for the amount of time and trouble it caused me to set it up successfully. If I received the initial temporary password that your website was supposedly to send out, I would have completed the enrollment process in no time and transferred in enough funds to waive the monthly fees. 
So to summarize, I 'd appreciate CFPB to work on my behalf with the bank in order for them to honor my bonus, and refund the fees charged inappropriately. Thank you very much.