23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I placed a claim for fraudulent charges on my debt card for {$600.00} on XXXX/XXXX/XXXX I received a letter from my card service/bank stating that based upon our review of the information you provided as well as our internal records and your card history, we can not confirm that fraud occurred. Our investigation indicates that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. You may try to resolve the issue with the merchant directly. The problem I have with this is there 's over a half a dozen merchants and services that are the problem. Obviously they have done nothing to clear this up or do they intend to. They never put my provisional credit on my account either so they do n't have much insensitive I guess I did n't enter into these agreements and if they followed the money I think that is clear. I paid someone 's gas bill in XXXX and someone else 's phone bill. The charges from XXXX for what I do n't know but I assure you they did n't ship anything to me. Direct Express is totally worthless and as I 've discovered that opinion is shared by literally hundreds
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX : {$6500.00}, and XXXX  XXXX Balance : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, have violated my rights. 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 an account without my written instructions. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir / Madam, I had initiated a dispute ( Confirmation Number XXXX ) regarding the fraudulent XXXX account ending in XXXX with your Company. It has been over 30 days and the account is being reported by Equifax alternatively as " CLOSED AT CONSUMER REQUEST '' & " CLOSED BY GRANTOR '', I understand.In fact I have nothing to do with this account ending in XXXX from XXXX as XXXX setup this account without my consent. XXXX has been sullying my good reputation by allowing the fraudulent establishment of this account in XX/XX/XXXX and reporting it. XXXX and XXXX have already blocked the XXXX account permanently.This account must be blocked by Equifax. I am filing this complaint to seek permanent blockage of this account and furthermore Equifax must not report any XXXX account with opening date of XX/XX/XXXX. This is one last time I am earnestly pleading with Equifax and I sincerely hope that Equifax will honor my request to permanently block XXXX account ending in XXXX with opening date of XX/XX/XXXX. If this request is not honored by Equifax, I will have no option but to explore pursuing legal remedies, due to the XXXX  and reputation damage I am suffering at the hands of Equifax. I have attached the FTC complaint, police report and my earlier letters to Equifax as required by FCRA 605 B. I am  hopeful that Equifax would block XXXX account permanently adhering to FCRA. Thank You.
Product: Payday loan, title loan, or personal loan

Last year early XXXX. I got a title loan. And it has been XXXX. I paid off loan late XXXX. 2 weeks later they took it. Destroyed my XXXX XXXX XXXX  transmission both differentials and transfer case. I converted my wifes XXXX XXXX  from 2wd to awd. I'm a 30  year XXXX XXXX XXXX. So apon dragging it away. I found it myself. Paid XXXX out of pocket. They lied Said they did not receive it. Lies it was signed for at location. I own my own businessXXXX XXXX XXXX XXXX ca, I put a mechanics lien on the vehicle sending wilshire a bill for XXXX Since my wife OWNS the vehicle she bought in cash at XXXX. Now they fully brought over 250 cars to my city. Moved into homes in my neighborhood. Cameras are on my home 24/7 I even caught them listening to my phone calls. I was in the military. I know XXXX XXXX. They inked 4 houses together using a bogus company with a bogus contractor 's license. I even have a decoy in my garage. I put the tracker in the exact spot. Real car is parked around. My name XXXX XXXX XXXX XXXX. I also with the California  XXXX XXXX. They do not talk to me one I have several years of XXXX XXXX and I just don't take XXXX. So I have proof of everything going on XXXX I also filed a stolen car claim. With XXXX
Product: Vehicle loan or lease

XXXX and XXXX XXXX  engaged in predatory lending by imposing exorbitant interest rates and fees, exploiting the vulnerabilities of subprime borrowers. Such practices are expressly prohibited under the Regulation of the Truth in Lending Act ( TILA ) XXXX failed to adequately disclose downpayment requirements, in violation of TILA. Additionally, the advertising of downpayments may have been deceptive or misleading, contravening 15 U.S. Code 1662 - Advertising of Downpayments and Installments. Failure to Inform of Right to Rescind ( 15 U.S.C. 1635 ) : I was not adequately informed of my right to rescind the contract, as required by TILA ( 15 U.S.C. 1635 ). This failure to provide essential information is a clear violation of consumer protection laws. 15 U.S.C. 1635 - Right of rescission as to certain transactions : This section of the Truth in Lending Act ( TILA ) provides consumers with the right to rescind certain credit transactions involving their principal dwelling. The purpose is to ensure that borrowers have an opportunity to reconsider and withdraw from certain loan agreements within a specific timeframe.
Product: Vehicle loan or lease

This may seem not important to most people and I understand if there's nothing you can do. I searched for a local journalist and it lead me to you. I am in need of help even a phone call would help. My problem is I bought a vehicle from XXXX XXXX XXXX Mo . I already had one issue that was resolved because they sold the car they promised me. Now around the beginning of XX/XX/XXXX my truck was put in the shop because it needed a new engine I was told 2 weeks max is what it would take. It is now XX/XX/XXXX and no information on my truck. I was out of work a little bit and I had to struggle to make a payment but I did and then today I went in to make a payment under the promise my truck was ready. I paid and then they told me they don't know were my truck is. I called them and told them my boss advanced me the money on my check to be able to get my truck and that was ALL the money I had. At home me my wife and XXXX daughters have no water no heat and I could of used that money to help my family. They Lied to me and now my family is suffering so they can profit. I went from XXXX to XXXX for nothing yo leave broke and no truck. that truck is my way to work yo make money and they know that.. the manager just said there's nothing they can do. didn't offer my money back nothing.. not even a replacement vehicle. I'm embarrassed and depressed that I lost everything I had to try and take care of my family.I worked all week in the negative temperatures outside at my job for that money and it was basically stolen and they don't care
Product: Money transfer, virtual currency, or money service

This is a complaint regarding Zellepay.com. Someone closed my account without my knowledge. I contacted Zelle to determine what transactions may have been done without my permission prior to the account being closed. Zelle stated that since my account was closed they were unable to provide any recent transaction information. As a result, I am unable to determine the extent to which my account may have been accessed or used without my authorization. 

I opened an account with Zelle a year or so ago. The last authorized payment I received through Zelle was XX/XX/2021. 

On XX/XX/2021 my XXXX  cell phone number was ported without my authorization. 
On XX/XX/2021 someone attempted to access by binance e-wallet without my authorization. 
On XX/XX/2021 someone attempted to use my credit card without my authorization. 
On XX/XX/2021 I decided to close my Zelle, XXXX and XXXX accounts due to security concerns. 

On XX/XX/2021 I was unable to login to my Zelle account in order to close the account. When I contacted Zelle via their customer service phone number I was told that the account had been closed. I never received an email notice from Zelle that the account had been closed. 

I asked Zelle to provide information about the most recent transactions ( basically, any transactions that may have been attempted or took place on XX/XX/2021 to XX/XX/2021 ). The customer service rep stated that since the account was closed they were unable to provide any information regarding recent transactions. Without knowing what transactions may have been attempted I am unable to determine whether someone attempted, or gained access, to my Zelle account without my authorization. I do believe the account was accessed without my authorization because the account had been closed without my authorization sometime after XX/XX/2021. 

I am contacting CFPB in an effort to receive information from Zelle regarding any access to my Zelle account on or after XX/XX/2021 and any transactions that may have taken place or been attempted on or after XX/XX/2021 to XX/XX/2021.
Product: Checking or savings account

XX/XX/XXXX and XX/XX/XXXX three fraud charges were made on my debit card {$54.00}, {$65.00} and {$16.00} for play station charges. The bank told me to dispute it with XXXX XXXX and the XXXX XXXX website told me to dispute it with my bank.
Product: Debt collection

This collection Company continue too list these 2 XXXX  accts on my XXXX  credit report its was off for months after I disputed months ago as of XX/XX/2018 there back on my credit these are not mine acct remove off my XXXX  credit report immediately Ive sent you guys copies of my fraud report days ago!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Federal has violated my rights.

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
Product: Credit card

I spoke to a customer service rep and they could not verify when I opened this and account
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I have discovered unauthorized activity associated with my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have these items blocked and removed. 
Fraudulent Accounts to Block and Delete : XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$5100.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$5500.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$30000.00} Fraudulent Inquiries to Block and Delete : XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Credit card or prepaid card

Paypal credit advertised 24 equal monthly payment plans with 0 % interest on XXXX  purchases. I purchased a mobile device from an XXXX  seller named XXXX on the XXXX ofXX/XX/2019 for the amount of {$870.00}. Thus, my monthly payment should be XXXX = XXXX and my current balance should be XXXX, +/- 1 month. 
Since XX/XX/2019, i have been paying more than my minimum payment in order to pay off my expiring promotional offers. However, instead of applying the addtional payment amount towards promotional offers that are due to expire first, paypal has applied the additional amounts to balances that were advertised as 24 equal monthly payments. 
Attached are 2 screenshots ; the first with upcoming expiring offers and the second with the above described transaction.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

1. I disputed the fraudulent charges made in the amount of {$15000.00} ( approximate ). 
2. Most of the charges were made overseas ; I have been in the States during those dates. I requested that the charges to be removed from my account. 
3. I have provided all of the necessary documents they required, such as police reports. 
4. I have reported fraud and disputed charges in XX/XX/XXXX. 
5. Discover sent me a letter in XXXX stating that they have concluded the investigation and will adjust all the charges.

6. On XX/XX/XXXX Discover sent me a letter stating no fraud and all the charges were put back into my account. 
7. Under Federal Trade Commissions FCBA rule, Credit card companies MUST FINISH investigation within 2 billing cycle. Discovercard took 5 months!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS REPORTING OUT OF STATUE OF LIMITATIONS THE ACCOUNT WAS LAST PAID XX/XX/2017
Product: Payday loan, title loan, personal loan, or advance loan

I was denied for this loan and did not receive the funds, however this company still removed money out of my checking account and reported to credit bureau. Please remove from credit reports.
Product: Debt collection

An accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against EXPERIAN credit bureau, pursuant to the Fair Credit Reporting Act Section 623. I sent a notarized letter ( See EXHIBIT ( A ) via certified mail ( See EXHIBIT ( B ) return mail receipt ). 

The purpose of this REQUEST is to have only CERTIFIABLY COMPLIANT REPORTED, physically verified, valid personal identifier information that EXPERIAN create, retain, receive, and or release. Experian has refused to honor my request, for no reason. Attached is a copy of the investigation results dated XX/XX/2022 Report number # XXXX ( See EXHIBIT ( C ) The purpose of my request was because at age XXXX, I am concerned about Fraud. That wrong address information could jeopardize my identity or lead to fraud or various credit scams. So, my request was for identity protection.
Product: Debt collection

I continue to get calls from some company about a " file against me ''. They refuse to send me a verification letter, as well as give me a physical address so as to send a C & D letter. This seems to stem from a supposed payday loan. They are also calling family members.
Product: Credit card or prepaid card

My bank was purchased by another bank and changed the account numbers. I attempted to make extra payments on my two Chase credit cards, and the electronic withdrawals were directed to my savings account ending in XXXX instead of the checking account which now ends in XXXX. The beginning numbers are the same. 

I explained the typographical error to the bank, sent them copies of my statements demonstrating there were funds to cover the withdraw in my checking account and asked that the account be reinstated. 

I have made on-time payments to this account for years, this is a random new problem that was caused by a typo. I am unable to change the account numbers myself as access to my Chase account has been frozen. My bank is unable to change the typo for me as the typo is located within the data held at Chase. I explained this problem to multiple Chase customer service agents and none of them changed the number for me. 

Chase send me back letters on XX/XX/XXXX advising, " We are unable to fulfill your request because the account is currently Revoked. '' I do not feel this is fair dealing.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I was notified by an agent of Prosper, employee # XXXX, that my payment was 7 days late, this was the first payment due. I had set the account up for auto payment and submitted all the correct account info to Prosper evidences by the fact that same info was used to transfer the loan proceeds to me. As I spoke with the aforementioned employee it was uncovered that Prosper had made a data entry error and was missing one number in my bank account number. I provided the correct number and agreed to have them take the payment they refused stating I had to authorize a new account. I explained that this was not a new account, they agreed but stated that they wouldnt take the funds without me adding a new account. I was transferred to a supervisor employee # XXXX, she confirmed they would not take my payment unless I authorized a new account basically stating the error was my fault which it clearly is not. The kicker is that they have charged me for a failed payment. I asked that the payment be waived and they confirm that there were no fees applied to my account and no credit reporting. The supervisor only said she would request this but couldnt tell me if that would occur.
Product: Credit reporting or other personal consumer reports

I sent certified letters to each company on XX/XX/23, which I included identity theft affidavit and my identification, but each credit bureau is continuing to report fraudulent information on my consumer report. They have also added a fraudulent address attached to one of the accounts. Ive made each bureau aware that I was a victim of identity theft, but they continue to report inaccurately. XXXX straight out ignored my letter and supporting documents.
Product: Credit card or prepaid card

Bank of America is fined {$220.00} XXXX for not doing the EDD jobless benefits during pandemic right by CFEB and OCC in XX/XX/2022. I happened to be one of the victims. In my case, BoAs call center was scammed by some fraudster ( s ) and the BoA agent changed my EDD BoA account email address without notifying me. This causes me to lose {$35000.00}. Although the lost fund is reimbursed, I had to spend at least 100 hours with BoA to resolve the problem. I am now seeking for a compensation of the damage caused by Bank Of Americas dereliction of duty and failure to perform a banks most basic obligation.
Product: Mortgage

My husband passed away unexpectedly on XXXX XXXX, 2016, at this time I lost his social security XXXX income, so I 'm struggling to make my monthly mortgage payments. I wanted to modify my mortgage so my son and I can stay in our home. I have sent the required documentation several times to the mortgage company, and they keep sending me paperwork saying they still need a XXXX tax form, which I have now sent in 4 times. Today in the mail I received a letter stating they did n't evaluate my modification because they did n't receive the required documents. When I called to speak to someone, they said I first started this process XX/XX/2016 since it 's now XXXX 2016 I would have to start the process all over because it 's been longer than 30 days. I 'm grieving the loss of my husband trying to keep something stable for my son with everything he 's lost this year, and Specialized Loan servicing is trying to make things harder. I want to keep my house, it just would really help out a lot if my house payments were n't so high.
Product: Checking or savings account

This was a fraudulent charge that i had no idea about. I got charged on my account twice and called my bank to stop payment and filed a claim but they closed it with no resolution