23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Checking or savings account

I filed 2 disputes which were denied less then 24 hours for unauthorized charges for the amount of {$2100.00} in total then got a notice saying they were closing my account. I also discovered suspicious account activity, including logins from unfamiliar locations and devices. Which I provided evidence of. 
My phone number was changed without my authorization, requiring me to restore it. 
In response to these security concerns, I promptly changed my password. 
Upon realizing these unauthorized transactions, I filed a dispute with Chime, expecting a proper investigation. 
The very next day, Chime denied my claim without providing a valid explanation or sufficient documentation. Following the dispute denial, Chime informed me that my account would be closed on XX/XX/year>, citing a vague internal policy violation without further details. I called them immediately after and they had no explanation for me. Failure to Properly Investigate the Fraud Claim Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions must conduct a reasonable investigation when a consumer reports unauthorized transactions. Chimes near-immediate denial of my dispute suggests they did not conduct a thorough review, especially given the significant amount of evidence pointing to unauthorized access. Chime has failed to provide a specific reason for why my account is being closed. 
I requested documentation regarding my dispute, and I was told it would take 10 days, yet my account is scheduled to close before I receive this information. 
This raises concerns that Chime is closing my account to avoid liability for the disputed transactions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/year> -- {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost founds was impossible and that tracking these transactions was unfeasible. The CFPBs indicated that Zelle has not only neglected to protect consumers and some offenders to manipulate the system leaving us the customers or users vulnerable to scams and this affects me and its unacceptable I think my safety as a consumer been not safe at all times
Product: Prepaid card

this is a follow up complaint with new information, in reference to prior cfpb complaint XXXX. 

i have a blog post explaining my ultimate findings here where i support my claims with both picture and video. 
XXXX although incomm 's response to the prior complaint notes they have 'conclusively ' determined i 'm a participant in victim assisted fraud, and opined that i have not provided any substantiating evidence of my claims, i now provide it in my blog. 

the video contains me telling the viewer what a PIN # will be, then scratching off a card to reveal it. this PIN # has never been communicated out by incomm. if that is the case, how was i able to do it? i also provide video and photos of the person who loaded my funds living in atlanta ( incomm headquarters ) and being friends with a former XXXX living in XXXX, the role of a person who would oversee a database and have the greatest ability to compromise sensitive data in it. however in this case, it was not protected at all, so anyone in the company can get to it. 

what is really going on at this company? 

1. employees are embezzling. i believe skeet rolling, cfo of incomm held company itc financial licenses, is aware of this in the case of a fellow victim i found, XXXX XXXX XXXX to the tune of {$2500.00}. they do n't appear to understand the scope of the issue as claimed my case had nothing to do with XX/XX/XXXX. and it may not if they know who the particular embezzler was and if it was not XXXX - but these PINs are easy to take, and they likely have multiple embezzlers. EMPLOYEES ARE EMBEZZLING, FACT. 

2. per my inside contact, the PIN numbers are stored in plaintext in the database, available to all in incomm IT. i provided this person my XXXX digit numbers, and they told me all of the secure PINs. the last XXXX of my PINs are in my XXXX and CFPB complaints - but XXXX never made these formal complaints. i set up a meeting between XXXX and skeet 's team. skeet 's team has never communicated these PIN numbers out for XXXX cards. yet i have all of them. there are more that remain, should incomm like to see how the reveal in my video plays out in a court of law. 

3. the division under skeet is either 100 % incompetent or 100 % obstructionist. the same model they use to determine i was a participant in victim assisted fraud claimed XXXX was as well - but with his PINs not scratched off, this is impossible ( which incomm did admit. ) this however has not caused incomm to stop using their broken model. despite XXXX 's case, and despite the how and who of the theft that occurred to me being reported XXXX/XXXX/16 to skeet and XXXX XXXX, i was given absolutely no restitution. i was still victim blamed as if a participant in victim assisted fraud. 

under threat of a lawsuit in federal court a settlement has been offered, which i took. however this does not fix the problem nor has it made past victims whole. this database has likely been designed this way for years, and incomm has very likely screwed over many victims along the way who did not have the time, skill, and luck to determine the full scope of their negligence.
Product: Mortgage

XXXX XXXX loans keeps calling me with sales pitches, refinancing, home equity loan soliciting. i have asked them several times to stop calling me unless it had something to do with my actual home loan that was sold to them. I am terrified I am going to miss something actually important because they solicit so much. I asked a woman today to stop and she kept asking questions and then laughed at me when I said to stop calling. This unprofessional especially since I have no choice in who my loan is with. How do I get this to stop!?!?!
Product: Credit card

While checking my credit report there was a card from Barclay Bank listed as opened XXXX. I did not apply for this card and all three credit bureaus have a freeze on my name, Spent 1.5 hours giving three people at Barclay my personal information. Name/address/phone/social security. These representatives refused to provide their full names. I asked for written confirmation that a fraud complaint was filed. REFUSED said I would hear something in XXXX days or more., Next day filed a XXXX complaint and received a call from someone supposedly represent the Presidents Office Barclay Banks XXXX 
No way to confirm identity. Wanted the same information that was already given to their fraud unit. Agreed to name only. Was told he could do nothing without all the personal information already provided. His computer could not just enter name.
Product: Debt collection

Never took possession of a rental unit and stated to the landlord that we would not rent the unit. They said we took possession and charged a cancellation fee. They never notified us of this and wrote it off as a disaster relief expense too. 
The company and details are as follows : Transworld Systems {$7100.00} Original : XXXX XXXX XXXX Opened : XXXX Reported : XXXX Act. # : XXXX XXXX : XXXX
Product: Mortgage

I noticed an issue with my billing with I logged onto my mortgage account online. I tried calling the customer service number I usually contact but when I tried to get a representative I was transfered to person 's voicemail. I thought there was a problem with a the system and tried calling back later and had the same issue. I left a voicemail just in case and continued to call for a few days. I then contacted the new mortgages department and asked for some assistance. They encountered the same thing and the person said they would send an email to customer service and see what he could do and get back with me. I got a call back later and was instructed of a way to get through by hitting zero and pound several times. I was able to get through and was told it was because of my account that this occured. I tried explaining that did not make sense and was then disconnected.I send an email through their online system and it instructed me to call my account advisor. She never calls back no matter how many messages you leave. I sent another email and did not receive a respond yet. I ca n't make a payment online, on the phone and ca n't get a call back. It is very scamy and they keep charging me late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of federal law reporting accounts that do not belong to me and that were opened fraudulently I have filed a police report sent in the copies of that report and a identity theft report copy company is to violation accounts include XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX  these accounts are fraud and I will be taking legal action against this company for violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB I contacted Equifax PDF enclosed and their statement was they need account name, account number, and nature of dispute. I request they delete the 2 accounts because I can not get documents of authorization to report to credit reporting companies with my signature and a actual contract stating I am doing business with them with my signature .Also a copy of a contract is fraud 15U>S>C>1681 { a } { 4 } consumer right to privacy USC8 All Obligations belong to the UNITED STATES it is paid for16CFR433.3 All contracts are Held by the FEDERAL RESERVE any other contract is fraud .Equifax sent in their response to CFPB enclosed need the above information and it was enclosed Equifax fraudulently reported they didnt have the information I enclosed. By law { every } contract has to state in Bold 10 point type16CFR433.2 NOTICE any holder of this consumer credit contract is subject to { ALL } claims and defenses which the debtor could assert against the seller of goods and services obtained pursuant HEROF, Recovery HEREUNDERBY the debtor shall not exceed amounts paid by the debtor HEREUNDER 433.2 { a } consumer contracts consumer credit contract { any MEANS ALL } instruments which evidences or embodies a debt arising from purchase or a finance sale is define in paragraphs { D } { XXXX } of the section. I request that the CFPB step in on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

From equifaxsecurity2017.com, " I. What Happened On XX/XX/2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. Upon discovery, we acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/2017. 

II. What Information Was Involved Most of the consumer information accessed includes names, Social Security numbers, birth dates, addresses, and in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 consumers and certain dispute documents, which included personal identifying information, for approximately 182,000 consumers were accessed. In addition to this site, Equifax will send direct mail notices to consumers whose credit card numbers or dispute documents with personal identifying information were impacted. We have found no evidence of unauthorized access to Equifaxs core consumer or commercial credit reporting databases. '' Since then, I have used the site to verify that Equifax believes I was affected, and begun enrollment in TrustedID Premier. I have also filed a 90 day fraud alert with XXXX. I will continue to monitor my credit using XXXX through XXXX.
Product: Debt collection

This bill is for a gas service for a property that I sold 8 years ago and the bank did not settle the open account, I did not knew I had this balance open for {$500.00} dollars. I contacted IC Systems and told them that I am in lay off right now, but I want to settle the account paying what I acan right now, which is {$200.00}. 
They did not accepted and then is when the call and mail harassment started.
Product: Student loan

This loan started out as a direct loan Parent Plus and then it was sold to someone else-? XXXX ? then it came to belong to Navient. i have made so many payment and the loan has not reduced at all. I have called them multiple times. I have been told over and over, in a few more payment it will start to reduce the prinicpal. Well as you see the principal has not changed an iota. i owe more on one loan than I even borrowed. My other loan is higher than it was when I got my last statement from the Federal student loan servicer. I am attaching the original loan amts from XXXX XXXX. The first sheet is not necessary, but the next 2 sheets are what i owed on the 2 loans I borrowed from XXXX loans BEFORE Navient took over the loans. My complaint is not with Direct loans per se, but I think this information is necessary. I am not sure why the bill does not show anything for XX/XX/XXXX or XX/XX/XXXX. I am almost sure Navient took over in XX/XX/XXXX but it could have been another provder, but I cannpt find any bills for me from anyother servicer and I KEEP my bills. ( so maybe only my son 's loans went to XXXX ). I  am almost 99 % sure it was navient that advised me in XX/XX/XXXX not to pay if it was difficult and no interest would accrue while the loan was in forebearance. I was unemployed for a while. That was a Flat out LIE!.  Then I set up payments when realized interest was accruing. I am attaching all payment that were on website. i have set up automatic payments, because I was told it would decrease my interest rate. My loans have always been 7.9 % and that is what it still is. Main concern is that I have paid approx {$8600.00} to navient and my loan principal has not decrease by even a dollar. It would be fabulous if there is any answer to this nightmare!!! I get so upset every time I look at this stuff. i have been making student loan payments since XX/XX/XXXXwith several large sums paid to other service provider. Navient says it will be paid off in XX/XX/XXXX- I can not believe this!!!!!!!!!!!!
Product: Checking or savings account

I ordered an age defying collagen eye cream from a vendor on XXXX called XXXX for a total of {$25.00}. The order # was XXXX. It was delivered on XX/XX/2018. On Sunday XX/XX/2018 I  contacted the vendor in order to return the product at XXXX. On Monday XX/XX/2018 XXXX from XXXX responded and said that I would have to return the product back to XXXX with a tracking number and I would be responsible for the shipping charges. Or she said I could get a 30 % refund and not have to return the product. On Thursday XX/XX/2018 I accepted the offer of 30 % partial refund and asked when I could expect the refund. On Wednesday XX/XX/2018 XXXX responded that she had submitted ticket # XXXX to the fulfillment team to process the original payment method and I would receive an email confirming once the process was complete. On Thursday XX/XX/2018 and Wednesday XX/XX/2018 I emailed both times that I had not received an email or refund. I have not had any contact with the vendor since then. No emails or refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Has violated my rights XXXX XXXX has violated my rights XXXX Mortgage service has violated my rights

15 U.S.C 1681 section 602 A. States i have the rights 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 instruction.
Product: Credit card or prepaid card

Discover is being strange and aren't doing there job correctly, I have file a dispute twice and they fail twice they are putting the incorrect information twice and have told me that they transaction was valid which we are know that i'm disputing against XXXX that because they have only credit me half of my returns when i'm waiting on my other half of the returns of credit and discover doesn't understand what is going on who did they hire to do these kind of jobs???? they only care about taking our money becareful people not every human being are nice ... ... 

give back my money and I have uploaded all of my documents what else do you need!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE CLAIM. EQUIFAX HAS NEVER RESPONDED TO THE FAIR TRADE CREDIT REPORTING ACT/LAW THAT STATES THEY MUST INVESTIGATE WITHIN 30 DAYS!
Product: Mortgage

Carrington was notified by XX/XX/XXXX that I lost my job with XXXX XXXX where was an XXXX, They offered a modification supported by the government to reduce the monthly payments. 
Since their payments offered were still high ( about 640.00 per month ) I continuedin communication with them to reduce the monthly payments, They rejected this during all the month of XX/XX/XXXX until I had only three days before the due date ( XX/XX/XXXX ). 
On XX/XX/XXXX I sent a check for the amount they wanted via certified mail. 
The Post Office misplaced the envelope and it took for them to deliver on XX/XX/XXXX. 
Carrington notified that I was left out of the program for non compliance. 
I argued that it was the postal service and had the green receipt to prove it. 
They said that they had to receive the check by that date and they didn't After that I submitted at least 18 Request For Mortgage Assitance packages every single one was rejected. 
They put my house for sale with a date XX/XX/XXXX I do not have the {$33000.00} whi they say I own them including legal fees I have reason to believe that they have done this with the intention to get my house.
Product: Debt collection

XX/XX/year> Central Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Central Portfolio, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence XXXX force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

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

On XXXX XXXX, 2017, I was made aware of Equifax 's security breach potentially affecting 143 million individuals. I visited Equifax 's official page to check whether my information had been compromised ( https : //www.equifaxsecurity2017.com/potential-impact/ ) and was given the information that yes, my private information ( social security number, name, credit history etc. ) were indeed compromised during  the security breach.