23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 I recievied my BOA EDD card with my unemplyment benefits on teh card. I called to activate card, downloaded the app to see balance and hopefully tranfer funds to my bank account to pay my bills. Unfortunately you can not transfer funds via the app, so I tried to login on website, but the website is malfuncioning. I keep getting an error message when loging in, security information invalid, I tried another way by selecting need username as prompted, same message at the end. I trieid this 4-5 times to make sure it was not a user error, used same username and login, received same prompt. I called customer service, no answer for 1 hr. gave up On XX/XX/XXXX I tried again, talked to s customer ervice, they say the website is malfunctioning and they gave me the options to transfer me to technical support, or change my password to try again, or transfer me to the phone funds transfer. I chose tech support. The line they transferred me to was XXXX language, so after waiting 30min for a representative we were unable to communicate. I had to call back and wait longer to speak to someone. This time I chose option 3 ( transfer money to bank over the phone ). I waited on hold 25 minutes and the person says they do not do phone transfers currently. ( even though the automated system said otherwise. I pushed back and said i need to speak with a manager. they put me back on hold for 20 minutes. When they came back on they said they spoke with supervisor and were told that they are doing funds transfers after all. Now they transferred me to another person to actually do the transfer, Ii was placed on hold for another 15 minutes. no answer, it directed me back to the last person i talked to, now being transferred to a supervisor? I have been on hold for 15 minutes this go around still no help with transferring the money I need to pay my bills. I applied for UI on XX/XX/XXXX and it is XX/XX/XXXX, I am still unable to access my funds for the purpose I need them.
Product: Credit card or prepaid card

On Sunday XX/XX/XXXX XXXX XXXX I had used my card T my local pharmacy to pick up a couple things, and came home, I later received a notification that my cRd had been used that same day in the amount of XXXX, at another retailer, and I immediately called the card and the girl canceled the card and said they would send paperwork that I needed to send back withing ten days, not only was that letter received after thier ten day date, they then told me that I would get no credit from them until after they took three months to clear it up, I then receive a letter from them just this week, explaining that no credit would be given because no error was found, I filed an online complaint with ic3 regarding the charge and gave what info from that I could, I contacted the reliacard back and they told me I could request thier transcripts but that too would take up to a month and that they had no i formation regarding the dispute and that there was no one I coukd contact because fraud departments don't talk to the public, I told the lady I don't agree with this and I want my XXXX refunded to me she basically said no in a roundabout way. I am not happy with this decision in any Form
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX  account number XXXX has violated my rights 15USC 1681 Section 602 H States I have the rights to privacy.

15USC 1681 Section 604 A Section 2 also states that The Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : 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 XXXXXXXX XXXX XXXX XXXX, XXXX open XXXX XXXX, XXXX open XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company XXXX XXXX reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XX/XX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XX/XX/XXXX payment and would have to wait till XX/XX/XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XX/XX/XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a Property Preservation Fee that was made to the account on XX/XX/XXXX. I said no my mortgage has been current as of XX/XX/XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance.

The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into XXXX handling of mortgages and credit reporting!
Product: Credit reporting

This account does not belong to me and Equifax continues to report this fradulent Collections account on my credit file, even though i had provided multiple evidences of these agency 's violation of both the FCRA and FDCPA. and Equifax couldnt provide what proofs and evidences the collection agency provided. Continuing to report invalidated debt or fradulent collections is a violation of the FCRA and FDCPA. I have forwarded all my evidences of Equifax violations of the FCRA and Maryland consumer laws to the Maryland XXXX.
Product: Credit card or prepaid card

I had retained XXXX XXXX XXXX to handle a IRS tax issue I paid {$7200.00} spread out on three credit cards Citi Bank, XXXX and XXXX XXXX  Visa. XXXX asked me to sign the form so they can charge Citi Bank {$1000.00} and XXXX {$4000.00}. XXXX XXXX XXXX has honored the dispute. The bottom line is XXXX did not complete the service they were hired to do. I had an IRS letter response to an offer XXXX made when I faxed this time sensitive XXXX failed to take seriously. I had faxed this letter over to my Case Manager XXXX XXXX on XXXX XXXX, with Ok from my fax that it was delivered. XXXX XXXX I sent two emails to her asking for confirmation of receipt, no response. XXXX XXXX called left message, Friday XXXX XXXX, called three times left three messages no response. Monday XXXX XXXX comes around no response from anyone. Now I am worried so I start looking for a new Tax Attorney because I have deadline to meet within three weeks with the IRS. XXXX XXXX this XXXX XXXX Quality Assurance person calls only because they rec 'd. the BBB Complaint and she was very defensive about it she told me well you did not give the Case Manager time to respond Are you Kidding me! She had four days to respond to either two emails or four phone call messages. That is poor Customer Service especially for the amount of money they charged me. I want full refund plus they should pay for my new Tax Attorney. His initial bill is {$1000.00}. So I put this matter in Dispute with Citi Bank and XXXX Card provided all the information and documentation to support my point they did not provide the service I contracted with them they left me high and dry. 
Citi Bank sends out form letter stating they provided the service and therefore they would not honor my dispute. I then wrote to their CEO who had them reopen the dispute and few days later I get another letter stating because I signed the ok to charge my card they were obligated to charge the amount back to my account. Sent a letter to XXXX ' CEO they are looking at it. Does not XXXX have to provide the service they told me they would do and advertise on radio and TV. They left to hire another Tax Attorney. Why should I pay for something I did not get. This a fraud and XXXX Blackmailed me. They even called to say even you do not drop all complaints they would not reimburse me anything. I was not dropping the complaints with the BBB XXXX and XXXX reviews. Citi Bank is honoring a fraudulent company claiming it is their policy once you sign and Ok to charge your card. How was I going to hire them in the first place. They told me to go to the merchant directly and I did send email to XXXX XXXX she will not respond.
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE XXXX PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Debt collection

Over 20 phone calls from XXXX in two weeks, at least 2 times per day. The past 5 phone calls have been ; XX/XX/2017 @ XXXX XXXX XX/XX/2017 at XXXX and XXXX XXXX, XXXX at XXXX XXXX and XX/XX/2017 at XXXX XXXX. Will not tell me who the debt is originally from or what the debt is.
Product: Money transfer, virtual currency, or money service

I contacted company when I discovered that my account had been hacked, I had no results with the phone service, it is a joke. 

They have nothing but emails, and despite I had submitted the claim, and concern they denied, it said it was null and void ... ... ..??? never even looked at it. 

How did the XXXX get my money, when I have a phone and the XXXX sevice has to go to my phone ... .. and i was never noticed of any notification. 

I am a victim of Identity Theft ... ... and Coinbase should have a gate for sending funds, and an algorithm showing fraudulent activity. I have Never used the send and receive features, and when doing so it was around a {$12000.00} ... ... ... they should have denied that much money being sent do to lack of evidence showing that I only have limited experience using that feature..
Product: Credit reporting or other personal consumer reports

It has come to my attention that there has been a compromise regarding my credit with your institution. I have been made aware that despite being accompanied by an FTC report # XXXX, you have neglected to remove certain items. It is imperative to emphasize that under section 605b of the FCRA, you are legally obligated to expunge accounts determined to have been opened through fraudulent means. The disputed accounts in question were initiated without my authorization. Enclosed herewith is the requisite FTC Report bearing reference # XXXX. I urge you to promptly eradicate these accounts. Failure to furnish records and insistence on the validity of these items will compel me to pursue legal action. Neither I nor my legal representative tolerate any form of subterfuge. Therefore, I implore you to adhere to the stipulations of the law for the swift resolution of this matter. Kindly remove the disputed items, as they were unauthorized and contravene Section 605B of the Fair Credit Reporting Act : XXXX : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am a natural living person. ( Please see attach court document ) The credit bureaus have been reporting false, inaccurate credit reporting dollar amount on my account. The XXXX XXXX XXXX accounts listed below are court agreed amount. The credit bureaus amounts are in accurate and false reporting monthly on my credit report account I have reach out to them to get this changed and it still not changed. Account name : XXXX XXXX Credit Card # Account Number XXXX XXXX this has violated my rights false dollar amount of {$2800.00} this is different from the court agreed judgement.. Account name : XXXX XXXX  Credit Card # Account Number XXXX XXXX this has violated my rights false inaccurate dollar of {$3800.00} this is different from the court agreed judgement. Account name : XXXX XXXX XXXX # Account XXXX XXXX XXXXthis has violated my rights false dollar amount of {$5700.00} sitting on my credit with no proof its mine, I have called, send mail and its still no proof this account it mine and they wont remove from my account. They work with these companies to put false inaccurate information on credit report even if there is no proof.
Product: Credit reporting

Satisfied Judgment Filed XXXX ; XXXX XXXX XXXX Cour ; Case or ID # XXXX ; Defendant XXXX ; Not mine wrong person ( My name is XXXX XXXX XXXX Amount ) {$630.00} ; Plaintif XXXX ( XXXX ) XXXX credit report changes each month with information not belonging me its gets Deleted then re-add UNIVERSITY XXXX ( Auto ) {$1300.00} UNIVERSITY XXXX $ XXXX ( other ) XXXX XXXX XXXX XXXX ( Other ) {$46.00} XXXX XXXX XXXX XXXX ( Auto ) {$200.00} XXXX XXXX BANK XXXX Opened Date XX/XX/XXXX NOT MINE, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX NOT MINE XXXX XXXX XXXX, XXXXXXXX XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOT MINE No proof of debt validation of a debts I do not owe AND basic inaccuracies on my credit report with Immediate effect now, EQUIFAX has not only been evasive over my report, they have never once provided the requested and official documentation required by law, nor have they corrected or prevent this wrong information the information, Not once have they provided me valid proof that it was mine NOR that I had a contract with either of this company, nor have they corrected the information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. That the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. I intend to sue Equifax if all these are not removed from my file, this clearly shows Equifax is reporting Wrong information and other people 's information on my file.
Product: Checking or savings account

I went to the teller. He came back and said that my card declined & their machine was down and to go to the ATM. When I got to the ATM my account was in the negative. I called the bank they said it was a pending transaction and I waived my right to have it stopped. The bank withdrawal went through anyway. All they said I could do is wait for my dispute to be finished.
Product: Consumer Loan

I was exploring a refinance of my car loan and clicked on an advertisment for LendingTree to get an idea of rates. I was made to believe that I would see rates before I asked for my credit to be evaluated. I was only asked for the last XXXX of social security number, used when making soft pulls on credit but never hard pulls which require the full social security number, and never told that I would have hard inquiries placed on my credit report. Instead, LendingTree sent my information to several 3rd parties who then all made hard inquiries on my credit reports. I have XXXX from XXXX on my XXXX report, XXXX from XXXX XXXX XXXX - XXXX on XXXX and XXXX on XXXX - and XXXX each on XXXX from XXXX and XXXX.
Product: Credit card or prepaid card

Purchased a faulty watch with my kay outlet jewelers and now they do not want to take the return even though the watch is faulty.
Product: Payday loan, title loan, or personal loan

I obtained a lease through XXXX for a washer and dryer. When I log in, two different leases show up and I am unable to make my payments online. I call in to make a payment on XX/XX/XXXX for my XX/XX/XXXX due date. I asked them will this payment cancel out the automatic debit that comes out on the XXXX and I was told yes. Here comes the XXXX and I get an email that my payment has failed. I call in to get an explanation and they say it was a system error. I log in JUST NOW to make a payment EARLY and I am unable to. I also see that they charged me a {$20.00} return fee for a failed payment on XX/XX/XXXX! This is incorrect because I paid them EARLY and they attempted to charge me TWICE!
Product: Credit reporting or other personal consumer reports

XXXX has been contacted in XXXX of 2023, and by phone multiple times after that date to remove all adverse and inaccurate items. Fair Credit Reporting Act violations identical to the other reports section 623 ( 15 U.S.C. 1681 s-2 ) mandates that furnishers provide complete and accurate information. The information has been investigated by the consumer and found to be incomplete and inaccurate. Denials to obtain credit have impacted my financial affairs and cause business loss daily.
Product: Checking or savings account

On XX/XX/XXXX, I received a call from Citibank about an unusual activity on my checking account. As a result, Citibank blocked my access to my account. I called Citibank and confirmed I did not recognize or approve the unusual activity on my account. Therefore, I was informed I would get a new bank card within the next 24-48 hours which would have been the latest on XX/XX/XXXX. Unfortunately, Citibank did not advise me I could go to a branch to get a temporary card. I received a notification from XX/XX/XXXX that my bank card would be delivered on XX/XX/XXXX. However, it was not delivered. I have called Citibank costumer service about the matter and their representatives have been rude and provided misinformation. Its been more than 48 hours and I have not received my bank card and/or access to my account. Citibank has not made any effort to provide good customer service!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

In 2015 i took a payday loan from ace cash express i payed them off now they are calling me threating to sue me for XXXX dollars. I also used to XXXX
Product: Credit reporting or other personal consumer reports

Fair credit act is being violated XXXX say XXXX unscoreable and I dont have a credit score.Ive had a credit card for years with excellent payment history I have a bunch of outdated information
Product: Debt collection

I had a agent call me from  XXXX   XXXX   XXXX  to tell me that a complaint had been filed in their legal office and that I needed to take action or they would have to escalate matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

The phone numbers on my transunion are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accourdance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX  ) account # XXXX and XXXX, account # XXXX, XXXX, have violated my rights. 

15 U.S.C 1681 section 602A Sates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumerreporting agency can not furnish an account without my WRITTEN instructions. 

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason or purpose.
Product: Mortgage

I have been discriminated against due to my race and name. Applied for investment home mortgage loan provided all the necessary paperwork, healthy savings account info, all my assets, and current up and running business profit and loss reports along with business bank statements. I was provided with a mortgage commitment by the letter 2-3 days prior to my closing the underwriter decided to ask for more paperwork which was also provided for them. Then the decision the underwriter made was to deny my loan with no proper reason, just with the excuse that my company was not profitable which is not true. All reports were provided with large profit balances statements. If someone can please help me investigate this.