23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXXXXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX XXXXXXXX - Account Number : XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) - Account Number : XXXX - XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX
Product: Credit card

On XX/XX/year>, I attempted to purchase a laptop computer, for {$740.00}, from a seller called XXXX XXXX on XXXX. All seemed to be normal until the day of delivery. 

I had waited and waited but after some time I still hadn't received my item so I checked the provided tracking information. It said it was delivered but I could clearly see that the residence in the attached delivery photo was not mine - the doormat was completely unfamiliar and it was impossible to decipher what door number the package was even left at... Additionally, there was also clearly a discrepancy in the tracking information showing that it was delivered at DIFFERENT times, XXXX at XXXX and the other at XXXX ( seen in the attached photos )- which makes no sense at all. 

With a high value/risk item such as this ( an XXXX XXXX XXXX ) I would assume they would require a signature upon delivery ( especially since the listing by the seller even says they add signatures for deliveries ) but for some unexplainable reason the seller decided not to include it for this obviously vulnerable package. In the end, I'm still currently left without my purchased item that I paid hundreds of dollars for... 

My numerous attempts with the seller and XXXX have been in vain and I therefore resorted to contacting my bank ( Regions Bank ) for a resolution by disputing the charge. Upon filing the dispute I was assured that my case was going to be handled with care and that a decision on my claim would be made within XXXX month. Additionally, I was told by a representative that I would only be credited once the dispute was finalized and ruled in my favor. 

Some time later, I noticed a credit posted to my account- I promptly reached out to Regions for an update on my claim and the representative I was connected to had indeed confirmed that the dispute was finalized. I again followed up asking if there's anything left for me to provide or do in terms of the claim and they informed me that I had nothing to worry about. 

Unfortunately, I've just noticed that Regions has now reversed the credit and have essentially denied my claim. I'm extremely vexed at how I was misled by Regions to believe that the claim had already been finalized in my favor and now they refuse to resolve my issue without any consideration. I feel led on and manipulated, all while I'm left paying for something I never even received - I'm beyond upset at this point. This experience has led me to believe that Regions does NOT have its customers best interest at heart. 

Absolutely no one has been understanding of my situation or seems to take me seriously, so this complaint with the CFPB is honestly my last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments with XXXX Bank formally known as XXXX bank on account number XXXX for a XXXX XXXX XXXX This vehicle was awarded to my ex wife XXXX XXXX XXXX, Social Security number XXXX in our divorce decree. Cause NO. XXXX. 

XXXX XXXX Beginning XX/XX/XXXX, XXXX XXXX XXXX is ORDERED to provide timely payment of any and all debts secured by the XXXX XXXX XXXX awarded to her herein. IT IS FURTHER ORDERED that at the time that XXXX XXXX XXXX receives her portion of the equity from the marital residence as stated above, any and all debts secured by the vehicle awarded herein shall be paid in full from her share of said proceeds.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and i have been trying to get information from my credit report. Reference Number : XXXX that is on my report. All I have been receiving from them is generic responses, when I have requested actual documentation from them. Attached is two letters and one documentation sheet that has been sent to them. Requesting the actual documentation on the Reference XXXX. In my knowledge if they can not obtain the actual documentation, it should be removed from my reports. e-Oscor is not valid the letter i upload are same as i sent each credit reporting burel
Product: Vehicle loan or lease

Bridgecrest has not applied and of the payment to the principal, has increased interest rates and violated the loan contract. I have tried for a year to get the bank to explain why the principal has not bugged. They refuse to supply answers
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had a late payment on an account that was paid on time. Consumer reporting agencies are required to report all information accurately. This account has not been late on payments. I have attached a copy of my report, this complaint is for the following date : XX/XX/2019. I am now requesting that you investigate this account and update this payment to Paid on Time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I need these removed as soon as possible. I do not recognize these inquires on my credit reports- XXXX, XXXX, and XXXX. The following need to be removed : XXXX XXXX on XX/XX/XXXX, Capital One on XX/XX/XXXX, Capital One on XX/XX/XXXX, and XX/XX/XXXX, and Capital one on XX/XX/XXXX. Attached is a FTC Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report says XX/XX/XXXX XXXX was opened I don't know when it was another date says the status updated was XXXX XX/XX/2019 I believe it was my ex-partner who opened this account without my knowledge I've tried contacting this place but is XXXX names on the collections I've asked them to remove it since i since it was join with XXXX XXXX  i know it was him that did it without me present i don't know when i have a collections agency on the report with name of MONTEREY COLLECTION SV and is for original creditor XXXX XXXX XXXX XXXX so i don't even know where to call I've been trying to dispute it for almost a XXXX and i can't i need this off my credit i have paid everything so i can improve my credit my debts this is not mine and is affecting me a lot i have no information on him and i don't know what to do i need help on escalating this to fraud i cant solve this issue this was not made on my part
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 studying 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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX || Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX || Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

The balance was paid in full last month yet Home Depot STILL charged interest on a XXXX balance. 

I have seen them do this before and have called them out on these unfair and deceptive trade practices. 

I submit this complaint primarily to assist the other Americans who are not as financially savvy as I am nor as conversant with Title 18 violations and other Banking regulations meant to protect hardworking Americans instead of fleecing them as has been the practice in the past. 

Thank you so much for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX OF XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, i sent a letter requesting verification of inaccurate accouts showing on my credit report. I have not received a response yet.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. They informed me that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users increasingly vulnerable to scams.
Product: Mortgage

We bought a mobile home in XXXX Id. They would n't let us see the place till we signed all the paperwork. No cell phone service or land line.They knew about XXXX XXXX medical condition needing a phone.There was holes in the skirting. Also air was in water lines.The kitchen sink jump all the time and had to try to start it a couple of times to get water. We had satellite tv and it would come up no signal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX, TransUnion, XXXX Re : XXXX XXXX XXXX accounts To Whom may concern, On XX/XX/XXXX I filed a dispute/complaint through the CFPB pertaining to two fraudulent files furnishing on my consumer report. I requested a investigative consumer report Pursuant to 15 USC 1681d ( a ) done by all consumer reporting agencies by phone and through the CFPB initially pertaining to the two fraudulent accounts. On XX/XX/XXXX XXXX responded back that the account had been either disputed or they provided me with results already. In which both responses are unacceptable. I never received anything. Due to my right to privacy as a consumer being violated Per USC 1681 ( a ) ( 4 ) by furnishing and sharing my information without my knowledge or consent. I filed the dispute/complaint on XX/XX/XXXX ( # XXXX # XXXX # XXXX ) requesting Pursuant to 15 USC 1681i ( 7 ) the description of the reinvestigation method referred to in 15 USC 1681i ( 6 ) ( B ) ( iii ). I requested all documents involved in the reinvestigation. Pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ) if the completeness or accuracy in a consumers file is disputed the consumer reporting agencies shall conduct a reinvestigation to determine if disputed information is inaccurate and record status, or delete the item from file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I filed this dispute through the Consumer Financial Protection Bureau on XX/XX/XXXX, its currently XX/XX/XXXX. I havent received any description of the method of reinvestigation thats assured to me the consumer in 30 days by Congress. This is very detrimental to me the consumer in these grave times of economical hardships, with all the scrutiny of millions of inaccuracies and non-investigation accusations coming against the consumer reporting agencies from Congress and Consumers alike. As well as its being openly admitted by the consumer reporting agencies of discarding millions of disputes a year without investigation. Discarding any dispute without investigation violates the Fair Credit Reporting Act FCRA. Its already has been reported that CFPB has cited you Consumer Reporting Agencies for accepting insufficient investigation reports from data furnishers without an independent investigation. Which as a consumer, this misuse of power and responsibility is a grave concern to me in these hardship times of economical struggle, scams, identity theft and so forth. I request both fraudulent accounts be deleted from consumer report pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ). Pursuant to 15 USC 1681n theres civil Liability for the willful noncompliance of the FCRA. Which will be my next step.
Product: Credit reporting or other personal consumer reports

Will not remove XXXX XXXX account from my credit report despite this not being my account.
Product: Credit card or prepaid card

On XX/XX/2019, I purchased two bottles of a fragrance that was advertised to be authentic from XXXX. The pictures used in the listing were of authentic looking items but what I was received was not. I simultaneously filed a claim with XXXX and XXXX. XXXX instructed the seller to provide a return shipping label per their policies, but the seller never complied and XXXX ruled in my favor but could not provide an immediate refund since a claim was also filed with XXXX. 

XXXX disregarded XXXX judgement and instructed me to return the items at my own cost to the seller. The seller shipped the items from XXXX, provided two different return addresses in XXXX, and a third return address through XXXX. The return address provided by the seller through XXXX is incomplete and is to a breakaway state, XXXX, within the country XXXX that is only recognized by three XXXX XXXX non-member states. The postal code provided is not recognized by any major US delivery company and the postal code does not correlate with the city within XXXX. Had I shipped the items using one of the two addresses provide through XXXX, XXXX would claim that it was never sent to the incomplete address provided through their system. 

I informed XXXX of my inability so return the items to an incomplete address containing a country that the XXXX does not recognize as a sovereign state as was informed that I should ship the item to said incomplete address to a country that is not recognized by the XXXX  that also contains an incorrect postal code not recognized by USPS, XXXX, or XXXX. 

I initiated a chargeback through Visa ( Chase ) on  XX/XX/2019. Visa asked for additional information on XX/XX/2019 after XXXX stated that the items were to be shipped back to the seller using the incomplete address with an incorrect postal code to a breakaway state not recognized by the XXXX or any legitimate postal service in the United States. Additional information was submitted on XX/XX/2019 through Chases online message system. The third party that handles the claims for Visa denied the claim on XX/XX/2019 and stated that the additional information sent using the online message system was corrupted. I was not informed that uploaded file was corrupted or instructed to resubmit said file before being informed of the claim denial. The claim was reopened on XX/XX/2019 and denied on XX/XX/2019. Chase informed me to reopen the claim through Visa on XX/XX/2019. 

Under Reason Code 53 : Not as Described or Defective Merchandise Visas Chargeback Management Guidelines for Visa Merchants states the following : For this reason code, the cardholder must have made a valid attempt to resolve the dispute or return the merchandise. An example of a valid attempt to return may be to request that the merchant retrieve the goods at the merchants own expense.

Attached is the additional information submitted to Visa via  Chase.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  ( partial acct # XXXX ), has been incorrectly and negatively been reporting an invalid and unvalidated alleged debt -I requested a Debt Validation, to include a signed contract or agreement with terms, to repay any Valid Debt -I did not receive the requested information from XXXX XXXX  -I told XXXXXXXX XXXX  to cease any contact or communication, as it regards to this account -XXXX XXXX  has continually violated my rights by disregarding my correspondence and the laws that support all that I say, pursuant to 15 USC 1692c -These illegal and incorrect communications, as it regards to this account, have caused great hardship and struggles
Product: Checking or savings account

Attention Beneficiary, We want to inform you that the Federal Bureau of Investigation ( FBI ) has assigned the payment of the recently recovered unpaid poverty alleviation and economic relief compensation funds to this reputable banking institution in order to ensure that all the beneficiaries receive their due funds accordingly. 

According to the payment file submitted to us, this fund is a compensation fund that was awarded to several people in the XXXX XXXX XXXX XXXX  which was organized and sponsored by the XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX 

The total compensation funds were supposed to be disbursed to all the beneficiaries in XX/XX/XXXX, but were looted and made elusive by the bank officials who were assigned to carry out the payment disbursement. The funds were finally recovered last month with the help of the Federal Bureau of Investigation ( FBI ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

You are receiving this notification because your name and address are included in the beneficiaries list of the compensation scheme and the total amount due to you according to the compensation file is XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX United States Dollars only ) which shall be paid to you by this bank either through any of the below-listed payment methods according to your preferred option. 

Upon receipt of this email, send your personal information to ( XXXX ) to apply for your overdue compensation fund claims. 

We anticipate your response as soon as possible so that we can expedite actions for the immediate release of your payment. 

Regards, Chase Bank. 
XXXX IS WHAT IS TOLD TO ME ****
Product: Mortgage

I refinanced my VA home loan with XXXX XXXX XXXX. My home loan was with 360 Mortgage, I closed on my refinance on XXXX XXXX, 2017 with XXXX XXXX XXXX. The loan funded the next day on the XXXX. 360 Mortage dispersed my escrow funds out to the county tax collector that day after I requested my escrow funds be refunded to me which are entitled to me by the Real Estate Settlement Procedures Act governs the administration of escrow accounts. RESPA is part of the United States Code of Federal Regulations and gives specific guidelines regarding any escrow overage or shortage amounts. The law mandates that escrow amounts in excess of legal requirements refund to the homeowner.This is a deceptive business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are unauthorized, and I have contacted the creditors ... and was informed that you should promptly delete ... and that they will and have not verified this Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX