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

Around the dates of XX/XX/XXXX toXX/XX/XXXX, as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have dealt with multiple frauds claims with Bank of America. It started in XX/XX/XXXX where {$18000.00} was taken fraudulently out of my checking account from multiple locations across the U.S and even in other countries. It totaled over 250+ transactions. Even when I called Bank of America customer service fraud department at the very same time we were on the phone and I was explaining the panic I was in and frustration of what I was seeing on my account there were still transactions being made. I have filed a police report with my local police department and Bank of America has closed my claim over three times. Every time they closed it they stated the transaction were made with verification. I am furious because the money came from a lawsuit of something very traumatic that happened to me, similar to the Me Too Movement. I trusted Bank of America with all of my funds and they guaranteed me that money is insured when it comes to fraud. Not only that but according to XXXX my social security and all of my information was breached and that lead to the compromising of my bank account. Even after my first fraud claim with Bank of America I moved all my money into a separate private account with them and replaced my debit card and I STILL AM CONTINUING TO HAVE MONEY TAKEN FRAUDULENTLY OUT OF MY ACCOUNT! In may I was constantly having money taken out of my account from the XXXX XXXX which I do not own anything affiliated with XXXX. In XX/XX/XXXX through XX/XX/XXXX i have multiple transactions from XXXX taken off my account totaling over 2k+. This is ridiculous I have had over 8 debit cards from Bank of America this entire year! I still have not received my money back from first fraud claim and Bank of America is doing nothing to help me as one of their Platinum Honor Client. Please help to get what I deserve and is rightfully mines, because this no where right.
Product: Money transfer, virtual currency, or money service

XXXX withdraw of {$160.00} and machine only disbursed {$120.00}. I immediately called the XXXX Phone number and detailed what had happened. They person a stated that they would dispatch a tech to check the machine. I called back that same evening and was told that the technician found a jam. I was instructed to call my bank and dispute the charge. I called Chime and they said the would investigate. They contacted me and said they denied the claim and I asked why. They said that I was given {$200.00} and they could not find evidence of fraud. I explained the whole situation again and they said once again they would investigate it. The date of the initial withdrawal was XX/XX/year>. As of today I have not received a refund or explanation.
Product: Debt collection

After the vacation of an apartment that my partner and I rented, the apartment after changing the locks and locking us out of the apartment on the last day of the lease agreement and locking our belongings up, They requested for XXXX something for damages, cleaning and key replacement and sent to collections. The collection company IQ Data called my partner on XX/XX/2019 while she was in class and she told her she needs to pay now or represent the balance that their client asked them to collected. My partner XXXX told her she's busy right now and will call back soon as she's free that day to make payment and she's not refusing to pay.The agent kept threatening and wasn't listening to her, kept saying she'll record this as refusal to pay and may be reported to her credit, my partner was furious, hung up and texted me. Being a collector I wanted to call IQ DATA to address this and remind them of FDCPA REGULATIONS. But The agent called me withing the hour and kept telling me she needs a representation and told me the same thing she told my partner. I asked for a supervisor and he wouldn't let me talk and told me he's busy at first before talking to me n kept asking me how do I want to pay. And called it collection tactics.. I told him I'm not refusing to pay and my partner will call back and pay but he said since I'm on the phone pay and get it later from my partner. I told him Im busy and my partner will pay. He them proceeded to say our account is in refusal to pay and will report as refusal to pay. I told him because he's not listening to me cease and desist and I hung up
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX AM, I received an email from Discover with a promotional statement saying that if I purchased a {$45.00} XXXX 's XXXX  membership by XX/XX/2020, then I would earn a {$45.00} statement credit back in 3 billing cycles. I had read through all the terms and met them all and proceeded to buy the {$45.00} membership on XX/XX/2020 with my Discover card. I have attached the statement on my discover account and the receipt from XXXX 's XXXX I had not received the promotional credit by XXXX still, so I proceeded to call Discover on XX/XX/XXXX. The first representative I had spoken to could not find the credit on my account but only found the memo that discover sent to me, which is also attached. She said that if I had to received the credit by now, then I do not qualify. I asked her why, and she said she did not know. From there, she escalated the situation to the supervisor, XXXX, who went line by line with me through the promotional statement and ensured that I met each term and condition. He believed that it was because the purchase on my discover card was {$47.00} and not {$45.00}. I said that this was due to sales tax, and he asked me to email him the receipt from XXXX 's club to ensure that this {$2.00} was sales tax. I emailed him and attached the email. He said that he would call me back within XXXX XXXX to follow up, and I never received a follow up call. Since I did not receive a follow up call, I called Discover on XX/XX/XXXX to ask about my credit. In this call, I was ensured that I would be receiving the credit by the XX/XX/XXXX billing cycle. It is currently XX/XX/XXXX, and I still have not received the credit. I called Discover today, XX/XX/XXXX, and the first representative I spoke seemed to not know what she was doing and had me on hold the entire time. She immediately directed it to a supervisor who stated that if I had not received the credit, then my account did not qualify. I asked why, and she said she did not know and there is no specific reason. She then proceeded to tell me that if I was told on XX/XX/XXXX that I did not qualify, then even if I was told on XX/XX/XXXX that I would be getting the credit, it does not matter. I told her that I was never told a direct yes or no if I qualify, only that the supervisor, XXXX, would be following up with me. I told her that I never got a follow up call, and she said that she would look back at the calls to ensure I was told " no '' I would not be getting the {$45.00} statement credit. She gave me the number to directly call a supervisor back in XXXX XXXX
Product: Checking or savings account

I sent this messaged to Chase Bank by my online access to my Chase acct : Hello, I would like to express my dissatisfaction with Chase Bank and I couldnt believe Im still banking with Chase afterall when Chase didnt protect me and ruled in favor of that scammer who fraud me & ripped me of the amount out of my checking acct total {$4500.00}. The dispute complaint against XXXX XXXX. It turned out that the XXXX  contract they pushed me to pay for {$4500.00} is truly XXXX and a cheat afterall. Supposedly per contract I would be provided a XXXX XXXX and a XXXX XXXX  assistance to get a job opportunity in the XXXX industry. It didnt happened and I was being ignored by the owner of that fraud place. All my emails & phone calls contacting the said place are being disregarded. I disputed to Chase that XXXX XXXX is a scam and didnt provided the services I paid for but Chase didnt give me a refund or credit. For that I would file a complaint against Chase Bank to the Consumer Protection govt agency. To the California atty General office and to the XXXX XXXX XXXX XXXX for failure to credit me against a dispute I filed and ruled out in favor of a scam Busihess like XXXX XXXX. Im requesting and hoping for Chase to reimburse me for the loss of my {$4500.00} out of my checking acct. I could not accept and live for the loss. XXXX XXXX yrs old and considered a XXXX who was financially scammed. Chase failed to protect me. I loss a job in XXXX for 4 months plus. I only worked temporary in the year XXXX. Plus the inflation is wearing the toll on me therefore Im requesting Chase to cover the loss I suffered or have the government agency tackle the issue. Please advise. Thanks. XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir/Mdm : This is to complain about Western Union ( Western Union XXXX XXXX XXXX, XXXX, CO ) money transfer. I have submitted transfer number XXXX from US to XXXX. The destination addressee was not able to receive my money. I have sent a claim to Western Union, however Western Union has never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors  XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3. SYNCB/JCP 4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX     XXXX  1.   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts   XXXX    1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3. SYNCB/JCP 4. SYNCHRONY BANK 5.   XXXX   XXXX   6.   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing to complaints on wrong information on my Credit Report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. Following Inquiries are on my report that were not applied by me : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns regarding Zelles practices surrounding dispute resolution, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). The lawsuit underscores significant systemic failures that I have personally experienced, and I believe it is crucial that my situation be considered as part of a broader examination of Zelles operations.

Having used Zelle on multiple occasions, I encountered discrepancies and unauthorized transactions that I promptly reported to my financial institution and Zelles support team. Despite my efforts, both parties failed to conduct a thorough investigation or offer any meaningful assistance. I was informed that recovering the lost funds was impossible and that tracking or tracing the disputed transactions was beyond their capability. This lack of support has left me without recourse, as I am unable to reclaim my funds or understand the circumstances surrounding these transactions.

The findings highlighted by the CFPB are deeply concerning, revealing that Zelles platform has failed to implement adequate safeguards to protect consumers. Not only have they neglected to resolve disputes in a fair and transparent manner, but they have also allowed fraudsters to exploit the system, leaving countless users vulnerable to scams. 

I find it troubling that a widely used payment service like Zelle operates without providing sufficient protections or effective dispute resolution mechanisms. As a consumer, I feel that I have been left exposed to financial risk, with no clear path to recourse.

I respectfully urge your office to look into Zelles practices and take the necessary steps to ensure that they are held accountable for failing to protect consumers and resolve disputes effectively. 

Thank you for your attention to this important issue. I look forward to your response.
Product: Credit reporting

I sent a copy of the letter from the XXXX, XXXX XXXX XXXX that outlines their efforts to have the defaulted loans removed from my credit reports. This happened XXXX XXXX, 2016, but the reports have not been updated.
Product: Credit card or prepaid card

On XXXX I purchased jewelry from XXXX for {$700.00} that I never received. I have tried numerous times to contact the merchant but was unsuccessful. To this day I have never received my product, or a tracking number at all. I have mailed my dispute and faxed it to barclays dispute address yet i have never received any form of communication. I need barclays to initite a chargeback and return my hard earned funds of {$700.00} to my account. 

On XXXX I was charged {$730.00} by the same merchant and i never received any item. Barclays has denied my dispute and decided in the merchants favor yet this is unacceptable!! Barclays has not yet had adequate proof that i received my items. no tracking number or anything! i am requesting barclays to initiate a chargeback of {$730.00} back to my account. If my dispute does not go in my favor yet again I will be forced to sue for arbitration/litigation.
Product: Mortgage

On XXXX/XXXX/2016 a short sale package was submitted to XXXX and sent to Nationstar who is the servicer for the investor XXXX. They responded with a counter stating that the listing price should be {$500000.00}, The property is in no way worth that amount. I then requested a XXXX review of value expecting the lender to send a 3rd party Appraiser but they did no such thing, instead they used a computer program to determine that there will be no value adjustment. They are using the system called XXXX which does not factor the property conditions or contractors estimate for repairs. This has been on going for well over 1 year and we are getting nowhere. The system they use is tedious and extremely frustrating as i cant even speak with anyone, there is no live person or point of contact but instead agents are forced to use this defective system called XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND USED IT WITHOUT MY PERMISSION AND OPEN SEVERAL ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2023 THERE WAS AN INQUIRY ON MY CREDIT REPORT ACROSS ALL 3 CREDIT BUEARUS ( XXXX, XXXX AND EXPERIAN ) FROM AN " XXXX MORTGAGE SERVICES '' COMPANY. I DO NOT RECOGNIZE THIS INQUIRY AND WOULD LIKE FOR IT TO BE REMOVED. I HAVE ALREADY TRIED TO SOLVE THE PROBLEM WITH THE COMPANY. 

THE INQUIRY WAS UNAUTHORIZED AND I NEED IT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Debt collection

The company provided my account information to unauthorized individuals. I m not responsible for fraud charges.
Product: Debt collection

JH Portfolio has failed to provide the information for the account within the 30 day verifification period, so they agreed to remove it from my credit reports, however they did not and they are still reporting it on my credit report, check other cases from myself which they have said to you that they are not reporting it. I can provide screenshots of my credit report showing them reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXXXXXX XXXX FL,XXXX-XXXXAddress ID # XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Product: Credit reporting or other personal consumer reports

2 problems : -Account is too old to be reported its been more than seven years since the car was voluntarily surrendered. It was brought to the dealership in XXXX XXXX California in XX/XX/2017. It is now more than seven years since the car was surrendered. 



-Account was never repossessed it was voluntarily surrendered, However company keeps sending erroneous information to Equifax , which is otherwise. Also, as I stated before account is too old to be reported, its been more than seven years since the car was surrendered by me.
Product: Credit reporting or other personal consumer reports

The company refuses to say given name. Email XX/XX/2023 XXXX XXXX  I am being asked to pay a debt that my guardian the US government is assigned to pay by federal government. Email disregards title in given name under state , county, and federal government in, I, being, the XXXX ; of XXXX & XXXX than refuses to say given name in attempts to collect debt from US citizen placed in hindrance from error to view an adjustment to initials by an authority from XXXX. to XXXX. where as revolutionary contribution to our nation is ignored while I being XXXX with bare arms established XXXX XXXX XXXX XXXX XXXX XXXX live without a bank free of insubordination.
Product: Debt collection

I was in another state seeing my children at their dad 's home. I lost my wallet including all my credit cards, Continential Fiance was used without my permission.
Product: Checking or savings account

XXXX XXXX XXXX account was used without permission, IRS Tax Fraud was commenced by all involved parties and XXXX XXXX XXXX filed a dispute and was denied access to his funds which were government issued with insurance coverage and IRS TAX EXEMPTION VOUCHERS.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent company letter requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with to the back office assist team through portal I express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. LOBEL FINANCE never sent certified documents along with the disclosures from section 1637 ( b ). This is unfair, illegal, fraudulent, and not equitable to me as a consumer! ATTACHED Consumer FTC report
Product: Money transfer, virtual currency, or money service

I signed up to send my daughter {$230.00}, I verified my identity by giving my social, address, name, phone number, email etc. Venmo, froze my account for absolutely no reason for demanding me to send my passport and ID to further compromise identity theft. I even still complied but blured out some of my important numbers and apparently that was not sufficient. They are a terribly rub company, the customer service is absolutely terrible and not knowledgeable and the people in charge of this take 7 days to get back via email. I would absolutely never recommend this company ro anyone.
Product: Mortgage

I had my hours cut due to Covid-19 was having trouble making my mortgage payment tried calling mortgage company for several weeks in XXXX filled out loss mitigation forms online said someone would call back in 3-5 days nobody did. On XX/XX/2020 I lost my job tried calling again for several days finally got ahold of someone on XXXX XXXX was told I had to take a forbearance right then no paperwork or it wouldnt include XXXX and they would report us to the credit bureau and we would owe XXXX now we are getting papers in the mail to fill out proving hardship threatening forclosure and nothing at all about following the CARES act We have a VA backed loan Our mortgage company is Shellpoint Mortgage Servicing
Product: Credit reporting or other personal consumer reports

This is to follow up about the ongoing issue of fraudulent items in my credit file. Moreover, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The ongoing presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the items from my credit report. Failure to do so will compel me to escalate this complaint further with you and seek legal recourse to protect my rights as a consumer. Kindly help me remove the following items immediately : XXXX XXXX {$XXXX} ; XXXX XXXX {$XXXX} ; XXXX XXXX {$XXXX} ; XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have requested debt validation. I continue to get statements. According to 15 U.S.C 1681I. 
I have a right to dispute inaccurate information. You are required to provide or delete from my credit file. Which you still have not provided thus far. Please delete ALL inaccurate information ASAP.