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

My Barclays Mastercard ( from Barclays, XXXX XXXX. XXXX XXXX, XXXX XXXX. ) ending in XXXX was stolen from my wallet in a locker at an XXXX XXXX XXXX Pennsylvania recreation facility on XX/XX/2022. The card was one of four credit or debit cards stolen fro my wallet, Expenditures were made on all four cards by the thief the same day including a {$3600.00} expenditure at the XXXX store on the XXXX card. I reported the theft to all four credit card companies, as well as to the XXXX XXXX XXXX Police Department the same day. Three of the credit card companies gave me credit for the expenditures made by the thief. However, Barclays XXXX XXXX XXXX XXXX MasterCard Account has told me that I am responsible for expenditure by the thief. 

Barclays initially issued me a provisional credit to my account for the full amount of the expenditure but later reversed its decision and placed the amount back on my account. Barclays letter dated XX/XX/2022, stated that the expenditure by the thief was valid because " the card was identified as being in your possession and chip technology was used, which can not be counterfeited. '' I have been attempting to get Barclays to remove the charge since then. XXXX XXXX XXXX of the XXXX XXXX XXXX Police Department telephoned Barclays on or about XX/XX/2022, on my behalf to report the theft of my credit card. I faxed to Barclays on XX/XX/2022, a report from the Chief of Police of XXXX XXXX XXXX Police Department confirming the theft of my Barclays card and the {$3600.00} charge made while it was stolen. Nevertheless, I have been unsuccessful in getting Barclays to apply their advertised policy of not requiring payment by their card holders of stolen or fraudulent expenditures. 

I have telephoned Barclays fraud investigation unit on numerous occasions to plead my case. I talked to, among others, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/2022. I have been told someone will contact me after a review of the case, but no one ever calls back. 

I would appreciate any assistance that you can provide to require Barclays to acknowledge that I have no responsibility for the XX/XX/2022 charge of {$3600.00} at the XXXX store that I did not make as the charge was made by a person who stole my credit card.
Product: Debt collection

My phone has been ringing off the hook the entire month of XX/XX/XXXX. I receive phone calls every day, multiple times a day from a company called " Diversified Consultants '' a debt collector, for a debt that I do not owe. 

I have repeatedly blocked the numbers calling me, and the very next day after blocking the numbers calling me, I will receive calls from a new number, but from the same company seeking a debt that I do not owe!!! Every single time they call me phone, they never ever leave a voice mail, but they continually call me day after day after day with new phone numbers. 

As of XX/XX/XXXX at XXXX XXXX E.S.T., I have been called a total of 21 times, by 13 different phone numbers, all of which belong to Diversified Consultants. 21 times in 29 days ... That is beyond excessive and absurd, and to make matters worse, I DONT OWE THEM ANY MONEY, NOR IS THIS A DEBT THAT BELONGS TO ME! This is a SCAM! 

I am contacting my attorney and filing a lawsuit for harassment, and as soon as this is published, and they are notified via XXXX XXXX XXXX XXXX, they will be also receiving a certified letter in the mail, notifying them that they are being served. I will have my peace of mind! These scammers need to be taught a lesson. 

These are the phone numbers that they use to call, and how many times they've called using these numbers so far for the month of XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have called me on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There is still one more day XX/XX/XXXX, and I can bet they will call me at least two more time before the month is over. 

This company must be stopped and will pay dearly in court due to their gross harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX has placed XXXX unauthorized hard inquiries on my credit report. I have not given any lawful consent for any of the credit reporting agencies to furnish any negative information on my report. This is my written consent to opt out of any furnishing of any non public information including inquiries hard and soft. These inquiries are to be removed immediately. An identity theft report has been attached, and a police report has been filed as well.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX To Mercedes Benz Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX : Opt-Out Notice Pursuant to 15 USC 6802 Dear Mercedes Benz Financial Services , I am writing to formally notify you, as a consumer, of my decision to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, in accordance with the provisions of 15 USC 6802.

As outlined in 15 USC 6802, I expect Mercedes Benz Financial Services to adhere to the following requirements : 1. Clearly and conspicuously disclose, in writing or electronic form, that my information may be disclosed to third parties.

2. Provide me with the opportunity, before the initial disclosure, to direct that my information not be disclosed to such third parties. 
XXXX. Offer an explanation of how I can exercise the option to prevent disclosure. 

I hereby exercise my right to opt out, and I request that you take immediate steps to cease the disclosure of my personal information to third parties, specifically XXXX, XXXX, and XXXX. I am aware that the Fair Credit Reporting Act ( FCRA ) stipulates penalties of {$1000.00} per violation, both for the furnisher and the reporting agency. 

I demand the prompt removal of my personal information from the aforementioned credit bureaus, as its continued reporting constitutes a violation of my rights under the FCRA and 15 USC 6802. 

Please confirm in writing that my request has been received and implemented. Failure to comply with this request will result in the pursuit of legal remedies available to me under the mentioned statutes. 

Thank you for your immediate attention to this matter. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Called us ( distant relative ) claiming they " knew the person they were looking for was going by a different name '' then falsely represented the call was regarding an employment inquiry made by said person. Denying they had the wrong person/number, the caller then said in was important to find this person because of a problem with a family member!
Product: Debt collection

I never received a bill from XXXX after the cancelation of my phone in XX/XX/XXXX when I moved out of the country. XXXX had sent me email about the cancelation and some other promotions after the cancelation while still outside the country but never once a bill pending. The day of the cancelation I was told by XXXX that I needed to wait for the bill to be formulated, but I never received it. I was clear at explaining that I was no longer in the country. Now after revising my credit report I have a company CREDENCE RESOURCE MANAGEMENT claiming to have me in collection since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This serves as another complaint to follow up on my recent issue concerning inquiries and the removal of inaccurate personal information. In accordance with FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items referenced in an identity theft report, with mine being under reference # XXXX. Enclosed are the relevant documents to facilitate the removal of the inaccurate address and inquiries from my report. Below is a list of unauthorized account openings : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to eliminate any items in a consumer 's file identified as information resulting from alleged identity theft within four business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for any medical service. I am a victim of identity theft.
Product: Debt collection

Ive sent several request to this company asking to validate the debt with no response. They continued to report to the bureaus. I would like for it to be removed from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully going over my credit report on XX/XX/2020 I seen 3 fraudulent accounts and an inquiry that doesn't not belong to me. These accounts are identity theft and is causing serious harm to my credit profile.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  double charge me for a payment I already paid and sent it to collections without my knowledge. I have talked to the apartment complex they said it was a mistake on their end and sent an updated ledger to the collection company stating I owe nothing and it was a mistake on their end. I have sent the collection company all of my proof to a email they provided on XX/XX/26 and they are refusing to look at it. It is now on my credit when I owe nothing
Product: Credit card

I opened an Ashley Credit Card through Synchrony bank on XX/XX/XXXX in the XXXX, New Jersey store, totaling {$4300.00}, with 0 interest for 24 months. I only receive an email that payment is due, no paper statement. I have been paying {$200.00} a month. It will be paid in full in XX/XX/XXXX. When I received the XX/XX/XXXX email I saw there was a higher amount owed. Upon researching I saw charges that totaled {$900.00}. I found out that these charges were for credit protection and security, that I never signed up for. Apparently this was done on a mobile device at XXXX XXXX on XX/XX/XXXX. I called the credit card protection company and they said they can only refund {$560.00}, the past 12 months charges and will not refund the balance of {$330.00} They claimed that they emailed me a package about this protection when I supposedly signed up for it on XX/XX/XXXX. But I never received this because I did not sign up for it. 
I contacted the customer service dept and the fraud dept at Synchrony and was told they can not reverse the balance of {$330.00}. I explained it was fraud, they changed my account, but to no avail. The {$330.00} is still there. 
I WILL NOT pay for something I did not purchase or sign up for. I dont want my account going to collection. I have excellent credit. I have many other credit cards that I could have used. I opened this account because it was 0 interest for 2 years. Please advise as I am at my wits end and dont know what else to do.
Product: Credit card or prepaid card

Please refer to CFPB Case XXXX CareCredit Rewards Mastercard account ending in XXXX. This case should show a response from XXXX XXXX, Senior Specialist, Corporate Consumer Relations, Synchrony Bank, XXXX XXXX, SD. In Ms. XXXX 's response dated XXXX XXXX, XXXX, she asked me to call her at her 800number and she listed her extension. I have called her four times : Fri. XXXX ; Wed. XX/XX/XXXX ; Tues. XX/XX/XXXX ; and one last time on Fri. XX/XX/XXXX. Each call was answered with the same greeting : " I'm either on the phone or away from my desk ... yadayada ''! I placed each call at different times during the day and left the same request for a return call. I NEVER received a return call or any email response as I asked her to please check her emails ( I left two ) and get back to me. Ms. XXXX claims she has a recording of the telephone conversation of the transaction. I'm requesting to have Ms. XXXX call me and play this recording back to me. She claims the CSR read back the routing and account numbers and there was a missed number. I listened very carefully when that CSR read back the numbers to me and she got them correct. I say she had the numbers correct but input them in their system incorrectly. I want to hear this recording. I think ms. XXXX is being very rude for not returning any of my phone calls or not responding to my two emails. I want to hear that recording!
Product: Mortgage

On XX/XX/2018 I called Loan Depot and spoke to XXXX XXXX XXXX at XXXX ( XXXX ) XXXX. I wanted to refinance my mortgage to get a lower APR. I had XXXX XXXX 's direct telephone number because I had spoken to him previously. On the same date he charged {$10.00} to my credit card as an application fee. He called me back later after checking my credit and said I was eligible to refinance. He asked for a copy of my current mortgage statement, declaration page of my homeowner 's insurance and a copy of my government annuity statement. I faxed these things to him on XX/XX/2018. On XX/XX/2018 {$370.00} was debited from my checking account for an appraisal. Before all of this was done, I made XXXX XXXX aware that my credit score was low because I had closed 4 credit card accounts and am working with XXXX XXXX XXXX to get out of debt and raise my credit score. On XX/XX/2018 I received a phone call from a woman, whose name I didn't get, stating she was sorry that they would not be going through with the loan because of the money that is being deducted each month by XXXX XXXX XXXX. They believe I have excessive obligations in relation to my income. She told me I would receive {$370.00} back. I received the paperwork from them dated XX/XX/2018 stating " Adverse Action Notification '' but still have not received my money. I called XXXX XXXX at least 10 times and had to leave messages asking for my money but he doesn't respond. I called Loan Depot 's customer service,XXXX ( XXXX ) XXXX, on XX/XX/2018 and was told they are not sending the {$370.00} to me because an appraisal was done. I have not seen an appraisal and don't want one. I just want my {$370.00} back. They knew from the very beginning they were not going through with the loan. This was their way of getting money from me for nothing. Loan Depot is a rip-off company and I will make sure to tell as many people as I can. Would you please look into this matter. Thank you for giving this matter your time and attention.
Product: Debt collection

DISCOVER BANK Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. I am a victim of identity theft and have sent documents proving that to this company since learning about this account. Most recently I have also advised all three bureaus to freeze my reports. the debt they are seeking to collect from me does not belong to me I would like it verified and the method of verification and all actions taken on my report sent to me. They have called me requesting that I send them a copy of my SS card. Remove this from my credit immediately.
Product: Credit reporting or other personal consumer reports

I was involved in several national data breaches ( neglectful Equifax being one. ) As a result my information has been stolen then sold on dark web to the highest bidder ; only then be used fraudulently without my knowledge to open many different accounts. I have been battling these fraudulent charges and accounts for many years and countless hours. XXXX, Equifax and XXXX has made this process extremely difficult and nearly a winless battle. I filed to have these charges removed and blocked using section 605B of the Fair Credit Reporting Act, which requires these above mentioned agencies to remove and block the fraudulent information on my credit report from or as a result of identity theft within XXXX ( XXXX ) business days. If these credit agencies are unable to promptly notifye furnisher ( s ) of the listed information see [ 15 U.S.C. 1681c-2 ] section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act, and i have also requested these listed agencies send the required notifications to all furnishers of this information on all accounts listed in original complaint ( s ). The above listed organizations have failed to comply in the timely manner set forth by the Fair Credit Reporting Act. I ask for the original reports to be blocked and removed. The time frame is not negotiable.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

I disputed the item with all of the agencies. XXXX has removed the item however I am not able to get the other agencies to remove it. 
This is the item XXXX credit report prepared for XXXX XXXX XXXX Collections Accounts Removed Since your last update on XXXX XXXX, 2016, XXXX collections account has been removed from your credit report. 




Account Type Removed Status Reported By XXXX Collections Removed XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536y ( a ) ( 1 ) ( A ) - ( B ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations.I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.