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

Equifax mailing address XXXX XXXX XXXX, GA XXXX, contact noXXXX  My name is XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX contact number XXXX, email address XXXX. 

On XX/XX/2022, I submitted a copy of my drivers, license, a copy of the XXXX police department fraud and a copy of the affidavit US Government fraud/ identity theft report and a duplicate copy of social security card to XXXX XXXX All the request information was submitted via USPS certified mail - Tracking No. XXXX XXXX XXXX XXXX XXXX Date XX/XX/2022. Per USPS confirmation - Delivered date XX/XX/2022, at XXXX. As of XX/XX/2022. As of XX/XX/2022, time XXXX central time zone I have been on hold. Waiting for management to answer my call.
Product: Checking or savings account

I lost my money in Debit card And I dont know how I have to getting back to my Debit card that ...
Product: Credit card or prepaid card

....I have been a customer of American express for about 8 years,and that would be the Blue bird card by American express/amex....CARD #XXXX.....On XX/XX/2019, my card was "locked", or shut down without my consent, as I tried to make a online purchase.....Yes , I have tried several times to resolve this ordeal, with the  American express, hideous customer service ,and managers.....They refuse to help or acknowledge my complaint......I have money on my card, and at the least I would like that money refunded to me asap!!........I would also like a explanation as to why my card was cut off for no reason!!
Product: Vehicle loan or lease

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have counted about 16 errors on my credit file. My attempts to get them corrected have been ignored by the credit bureaus. I reached out to Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX by phone and mail. Now I taking it a step further to point out that each company is fraudulently reporting information including accounts and incorrect/invalid account statuses.I asked them all to provide me with any type of sign letter or authorization given by me that allows them to do ANYTHING on my credit file. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have not provided so such thing.
Product: Debt collection

I am filing a complaint against MRS BPO LLC for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, MRS BPO LLC sent a text message from the phone number XXXX to a member of my family, whose phone number ends in XXXX. The message was addressed to me, despite being sent to a third party. 

Under the FDCPA ( 15 U.S.C. 1692c ( b ) ), debt collectors are prohibited from communicating with third parties regarding a debt without my consent, except in very limited circumstances. This unauthorized disclosure of my personal information to a family member is a direct violation of my rights and has caused unnecessary distress and embarrassment.

I request that MRS BPO LLC be held accountable for this violation and that appropriate corrective action be taken. I also ask that the CFPB investigate this matter to ensure compliance with federal consumer protection laws.

Please confirm receipt of this complaint and inform me of any next steps. Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

A company, XXXX XXXX, charged my card 3 times on XX/XX/2019 in the amount of {$190.00} each time. JP Morgan/Chase approved the charges. I received a call from XXXX XXXX telling me the charge did not go through on my account and asked for an additional credit card. Before providing another credit card information, I checked my account and found the 3 charges. I requested XXXX XXXX to reverse the charges and to cease charging my account. I informed them, in writing via email, that I revoke any authority of charging my card. 

I contacted JP Morgan/Chase at XXXX and spoke with a representative - XXXX. She refused to help me so I asked to speak with a supervisor. XXXX in XXXX, MO answered the line and refused to help. 

Chase 's solution is to allow the fraudulent charges to complete on my account and then I am to contact Chase to again dispute the charges and they will review the situation at that time. 

I informed XXXX that the charges are fraudulent and should be removed. He said that he can not do that. I explained that he was supporting fraud and NOT protecting his client. His response is that he understands but he can not do anything. 

In the interim, I must allow a company to charge my card, receive fraudulent funds, and then dispute the charge with Chase Bank. 

With this type of service, it is not surprising thieves thrive. 

I am very upset about Chase 's response to reported fraudulent activity - and their refusal to protect their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX i sent a letter requesting validation of a debt to National Credit Systems through certified mail. I dispute the mark on my report through XXXX XXXX and XXXX NCS never sent a validation letter but reported to transunion that the debt was valid. I called NCS stating the debt is n't valid without proof and it is also passed the statue of limitations law in the state of Louisiana for them to even collect. The young lady hung up in my face. I re disputed the account and contacted the BBB and XXXX. I will not stop until this mark is off of my credit report and will seek IMMEDIATE legal action
Product: Debt collection

Hello Im seeing that i have a XXXX account in my name someone used my information too get cell phones and i been trying too dispute since it happen i havent had any luck its dragging my credit down and i wan na try and get it taken off as soon as possible
Product: Credit card

I have several accounts in closed status which I did not closed. XXXX is XXXX XXXX, an account open in which was open on XXXX XXXX, 2007 and after calling XXXX, XXXX branch at phone number XXXX, she states that they have no record of who closed the account and can not help me in any way. My credit report is showing these accounts in closed status in which I never closed. 
I am a victim of identity theft and these accounts are effecting my credit score. They do n't want to write a letter taking this account of my record, nor opening my account again. I had great standing with them and never owned them any funds. This needs to be corrected, open, or cleared. thanks
Product: Credit reporting or other personal consumer reports

An Experian agent hung up in my face upon my notifications that a cease & desist has been placed on the fraudulent accounts, I demand that the inaccurate information & the alleged debts stop being reported to my credit file & removed within 24 to 48 hrs of receiving this notification. As Ive acted in good faith, Ive also gained tickets of confirmation that the alleged debts have ceased At approximately XXXX I contacted Experian today XX/XX/2024 & the agent hung up in my face
Product: Checking or savings account

In XXXX  I was a victim of a Ponzi Scheme where I was scammed out of {$750000.00}, I have provided screenshots of my XXXX along with the invoices from my lawyers that was also XXXX. This statement of facts articulated the scheme to defraud and I also provided the bank my efforts to resolve the issue with webull. Let me be clear, this scam has put me in a ruinous financial position, I have lost everything because of this scam. Citibank will only respond to my complaint with a generic answer that since I authorized the charges, I cant dispute them. I never stated that I didnt authorize the charges, my complaint was that I was scammed in my investment. The scam is so complex that can only be explained in my statement of facts. Ignoring my statement of facts which I spent XXXX for my lawyers to put together is a smack in my face and a failure of duty on Citibanks behalf. I will be forced to file for bankruptcy with this decision. My life has completely ruined and I would hope that my bank would defend me in these efforts. Please know, that recovering money from a Ponzi Scheme is impossible.
Product: Credit reporting or other personal consumer reports

I was affected by the Equifax Data Breach and I have attached proof below from Equifax admitting that I was in fact a victim of this data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my creditr report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

Over the summer we worked to refinance my house in XXXX, MA.The mortgage was shortly thereafter sold to XXXX XXXX  and there was no issue In XXXX it was sold again to Flagstar Bank. The loan agreement that I signed when we did the closing said that there would be a penalty if we did not pay the mortgage by the XXXX of each month. I always pay by this date which works better than the first of the month because of when our pay periods fall. I've been a homeowner for over 20 years and have never had a late payment. Ever since Flagstar Bank has taken over the mortgage, they call and harass us for payment before the XXXX ( most recently on XX/XX/2021 ). I've tried pointing to our loan agreement, but it has no impact. Isn't this a violation of the lending agreement? I talked to XXXX XXXX my closing attorney this morning ( XX/XX/2021 ) and she reaffirmed that the grace period is in the signed loan agreement. I want to make sure that there is no way for this to negatively impact our credit, but I also want to make sure the loan agreement is honored by the new lender.
Product: Debt collection

I received a letter in the mail from ERC dated XX/XX/19 stating that I owe {$150.00} to XXXX XXXX XXXX. Account # XXXX. I called ERC and spoke with XXXX XXXX at XXXX XXXX on XX/XX/19 and stated that I have not had XXXX XXXX XXXX and they do not provide service to my address - there is not even the availability to obtain services fromt hat company. She stated that she can not verify me as they do not have my DOB or SSN. I said to remove this from my name as there are multiple XXXX XXXX ( very common name ). She indicated she can not do that. I'm reaching out to file a complaint as it's not fair to assign a debt to me that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approved for removal sec XXXX of school closures XXXX XXXX filed XXXX disputes. Submitted documentation. Also received approval on XX/XX/XXXX. Trade line of debt to be removed from credit bureaus. Debt discharged. Transunion. Will not remove. Have documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I applied for credit from XXXX. They denied my request based on a report from Experian. 

The report said : 1. SERIOUS DELIQUENCY 2. % OF BALANCE TO HIGH CREDIT ON BANKING RELVOLVING OR ALL REVOLVING ACCT 3. TIME SINCE DELIQUENCY TOO RECENT OR UNKNOWN 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. 
1 is false, 2 is partially true, 3 is false, and 4 is false. All my accounts are paid as agreed with zero lates.
Product: Credit card or prepaid card

In the past I received services fromXXXX XXXX XXXX for karate services for my son and the membership was for 14 months of karate for XXXX. XXXX it was over we stopped going and turned out they did a recurring charge for service in XX/XX/2021. I was not aware of the charge because I did not check my statement until a few months later that I used the XXXX that I noticed the charge.In the beginning, I filed a fraud complain with the bank of america credit card about a charge of a service from XXXX  XXXX XXXX that I did not receive and the claim was denied because I made business with them in the past. I then tried filing a dispute for the same charge because I did not approve of this charge and I waited for months and the dispute was denied again. I tried resolving this issue directly with the merchant, however the phone numbers I had were not in service. I went to the business site and it was closed and I spoke to the vendors and they stated that he shut down the business suddenly and left. I waited for a response from the credit card company and they denied the claim again. I kept on researching to see if I found any new hting about the merchant and thankfully I found out through XXXX that the merchant opened a new buisiness under a new name ( XXXX  XXXX XXXX  XXXX  XXXX XXXX ) and his number is XXXX. I reached out to him and request to pay the money he owes and he stated " I don't have the money to pay you back " and I asked him what do you mean where is the money you charge the card. The merchant claims he will not pay and the credit card company XXXX Bank of america ) does not want to dispute the claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report. Im seeing a lot of collections I am not responsible for. I believe my ex-wife applied for most of the accts she would pass as me and give my information out. I never received anything about these Accts. We have been separated for over XXXX.
Product: Mortgage

Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with XXXX XXXX XXXX due to negligence from XXXX XXXX, title company and XXXX XXXX XXXX. 
" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXX : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the XXXX to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX, Book XXXX, Page XXXX mortgage to XXXX was eventually assigned to XXXX XXXX Bank XXXX Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said Registry in Book XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XXXX XXXX and XXXX, XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX was not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts XXXX XXXX Court in the case of XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale XXXX and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in Book XXXX. XXXX XXXX who bought the property from XXXX XXXX XXXX of XXXX.
Product: Debt collection

Dear Sir, MadamSince late 2012, I have been going through recurring personal and family crisis and I fell, several times, behind in my JCPenney credit card payments. The debt was then transferred by JCPenney to Synchrony bank to which I paid between {$76.00} to {$96.00} each month. On or about the XXXX of XXXX, I called Synchrony bank to ask it to postpone processing payment by three days because I did not have enough money in my account and I wanted to avoid the many overdraft fees XXXX XXXX manages to charge me with often. I talked to a representative on the phone who asked me what causes me to have financial troubles ; therefore having troubles at times, paying. I told him about some of the challenges I have been facing for about 2 years now and he asked me to stay on the phone to get me another person who could modify the terms of the agreement so that I would have a lesser monthly amount to pay. Someone then came to the phone and we made an agreement for me to be paying {$36.00} monthly and the payment postponed for the XXXX of this month. I was therefore, totally, completely, taken aback when I visited XXXX XXXX XXXX website, shortly thereafter, to find that not only Synchrony bank withdrew {$76.00} and another payment of {$36.00} was also processed by JCPenney. I found myself again in overdraft situation and XXXX XXXX charged me, as expected fees because of it. I called Synchrony bank and the representative 's reply was " Oh, that because, on the phone conversation, you did not specify that you wanted the previous agreement canceled. Stay on the phone and I 'll transfer you to customer 's service ''. " If I do not get a response from customer service? ", I asked. " Then call the bank to oppose payment '' Surely customer service did not answer and I called XXXX XXXX to tell it what happened. Its representatives said that they can deny the JCPenney payment but can not do this for the {$76.00}. i sent an e-mail to JCPenney which responded and said it has nothing to do with this, that it is solely, has to do with Syncrony bank. XXXX XXXX refunded the overdraft fees it charged. 
This is where things are right now. 
I thank you for your time and attention. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX - XXXX {$260.00} XXXX - XXXX {$400.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX XXXX {$2000.00} XXXX  - XXXX XXXX - XXXX {$660.00}
Product: Debt collection

XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, NC XXXX ( XXXX XXXX XXXX XXXX ) {$660.00} XXXX, 2017,XX/XX/17. This company has put this on my credit report ( XXXX, XXXX, and XXXX ) in collections and they are n't licensed to collect in TX nor do I reside in MS or NC.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items that have appeared on my credit report .I believe these accounts have been mistakenly associated with my credit profile and are not mines. They are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These items are inaccurate and do not reflect my financial history. I have not had any accounts or dealings with these entities and their presence on my credit report is incorrect .Please investigate this matter and remove these inaccuracies from my credit report immediately. I have a copy of my credit report from both XXXX and XXXX, highlighting the items in question along with a copy of my identification and utility bill for verification .I appreciation your prompt attention to this matter and look forward to your confirmation that these items have been removed from my credit report. A copy of a police report was sent in the mail
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 highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution, XXXX, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that that Zelle has not only neglected to protect customers 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 customer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX XXXX : Request for Investigation of Unauthorized Credit Inquiry I request that you investigate the inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

Thank you for your assistance in this matter, XXXX XXXX Thank you for your assistance in this matter, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have opened two bank accounts for my businesses with XXXX XXXX and XXXX through their partner Mercury.com. 
Account number XXXX for XXXX XXXX XXXX and Account number XXXX for XXXX XXXX XXXX On XX/XX/2024 we received an email from their banking partner Mercury.com that our accounts with them are closed as they no longer want to offer services to us. At the time of account closure we had approximately USD XXXX combined in those two accounts. They are unwilling to return the funds to us. 
I have followed up with XXXX several times and their response had been " Funds are being retained by Mercury at this time and will not be immediately returned to you. Should we return the funds at a later date, you will be notified. '' This is in violation of their user agreement ( confirmed ). This is in violation of the law.
Product: Mortgage

I am having continuous problems with MidAmerica Mortgage Co, for over a year. I have made my payments, even paying extra, on the mortgage payment, and this company has not given me credit for almost a years worth of payments. Since XX/XX/2020, they still have not updated my account, and have me delinquent on my payments, which I am not. This is the 2nd time I have filed a complaint with the Consumer Finance branch. I have tried to communicate with this company, and all I get is, " we're taking care of it, '' but still they have not followed thru.