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

Dear CFPB, On XX/XX/2020 I booked a ticket with XXXX XXXX XXXX and was charged for the amount of {$890.00} for XX/XX/XXXX until XX/XX/XXXX from New York to XXXX via XXXX XXXX. Since the flight was cancelled due to Covid I reached out to the travel agent and requested a refund via the attached letter. Around XX/XX/XXXX I reached out to Capital One requesting to dispute the charge due to the fact that the flight had been cancelled. Capital One stated that the merchant should provide me with a refund. I asked multiple times that they should reconsider the dispute and they declined my request again stating the merchant will provide a refund. Still not having received a refund, today, XX/XX/2020 I called in and requested the refund of my money and Capital One told me that I could no longer dispute the charge as the merchant in the previous dispute closed the request because they agreed to refund the money. The bank said that the merchant is obligated to refund the money within 15 days if they agree to refund the money. Capital One was obligated to refund The bank was very nasty when I called in today and when I told the representatives that I recorded to conversation since it is my right as an American to bring this up to the CFPB the representative told me that he will have to disconnect because Capital One does not allow to record the conversation. I think this is a violation of my civil rights as New York allows for one side consent in recording. I called Capital One today ( XX/XX/2020 ) XXXX  XXXX from telephone number XXXX and the number I called was XXXX. Please listen to their recording as they record all conversations without always asking the customers if they are being recorded.
Product: Credit reporting or other personal consumer reports

Experian, I have had trouble with them for many years now. They have positive information listed as negative stating that all my accounts are late and or never paid. All my accounts are up to date, closed due to paying them off and I have not been late making payments for years. I have attempted to phone them and to contact them online to no avail. Now my social security number has been found on the XXXX web and Experian is the only reporting agency that is showing a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Co XXXX a place where I have never lived nor do I know of anyone in that area, this is clearly fraud and I'm beginning to believe that it's directly related to the reporting of Experian. These incidents all accrued in XX/XX/year> there are XXXX incidents on my Experian report only.
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 15 USC 1681. 

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

This is the Certified letter that was sent to XXXX on XX/XX/XXXX To whom it may concern, XX/XX/XXXX, My Bankruptcy was discharged. I also sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating, " They do not report any bankruptcies to any outside agencies. '' So, if that's the case how did the credit bureaus edify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


They also violated my rights numerous times. 


The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 reasonably believes that the information is inaccurate.
Product: Credit reporting

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question : XXXX XXXX/XXXX/XXXX Banking XXXX Card XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Product: Debt collection

My boyfriend received a call from XXXX XXXX at XXXX XXXX XXXX on XX/XX/2020 about a debt that I owe. He was asked if he was my husband to which he replied no. XXXX then discussed my debt, the amounts owed, as well as offered a settlement option to him. 
XXXX also told him that a judgement was about to be filed against me for the amount owed. 
I have not had any contact with this debt collection agency, no letters phone calls etc, and it is unlawful to talk to other people about a personal matter. 
This is a clear violation of the FDCPA.
Product: Mortgage

I filed a complaint with CFPB and on XX/XX/XXXX, Wells Fargo replied and I definitely am not satisfied as they provided no proof of the conclusions they came to saying they made no mistakes when foreclosing on me in XXXX. 

The complaint was due to Wells Fargo sending me a check for {$200.00} dated XX/XX/XXXX, saying they may have made a mistake with my government ordered payment modifications during the recession back in XXXX that resulted in me losing my home. 

First they answered that I didnt qualify for another modification due to my monthly income, I was working at that time. Then a few paragraphs down, they said I did qualify for an extended payment modification but I never answered or filled out the forms to take advantage of it. As their proof of that they enclosed blank forms that didn't prove they had sent them to me. I know I never got additional forms, because they had said I didn't qualify and I have proof from that time period. 

Then they said the original {$200.00} check I got was due to a mistake in the amount they charged for the first modification, they discovered they overcharged many customers on payment modifications and the amounts were all less than {$200.00} so they just sent {$200.00} to everyone over 10 years later, with no documentation provided. 

After I was denied the new payment modification, Wells Fargo had offered me {$1500.00} check for rehoming, to sign the home over in a Deed in Lieu. Then they wouldn't have to wait for the foreclosure to go through. Since I had no other choice, I completed the Deed in Lieu but did not receive the {$1500.00}. In their XXXX letter they claim to have sent the check to my attorney but they have no proof of that because those records didnt have to be legally saved more than XXXX years, and they have been destroyed. They have no proof it was cashed, and my attorney 's office is now closed and gone. They can't even provide a check number. 

Back in XXXX I filed for a foreclosure review and stated that I would have qualified for a payment modification and that I didn't get any check for {$1500.00} and that is actual proof from the time period that I did not get it. 

They have no actual proof that any of what they say happened. I don't say what they did ruined my life, but it really made it a lot harder. They did this to many homeowners and they think they can send a {$200.00} check, which I have not cashed to remedy everything.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding the way Zelle handles disputes, in particular to the lawsuit. Despite using Zelle countless times, my financial institution and Zelle failed to investigate the claims. I was informed that recovering those lost funds was impossible and that tracking those transactions was unfeasible. 

The CFPB 's findings indicate that Zelle has not only neglected to protect their customers but have also allowed repeat offenders to exploit their system, leaving users vulnerable to scams. 

This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a compliant to Experian, and there response is that I did not send in this request. My name is XXXX XXXX XXXX, and I am a victim of identity theft, and I am sending in this complaint for the second time.
Product: Debt collection

Portfolio Recovery is trying to collect on an account that does not exist. I am no longer responsible for an account with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This company continuously puts erroneous information on my consumer report. I never got an apartment through this company or lived at this address.. I am demanding they remove this fake address immediately.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has not updated my account to refelect a XXXX balance.
Product: Credit card or prepaid card

I've been a customer of American Express since XXXX. The problem I encountered was with the autopay system. I have always used autopay and month-over-month nothing had changed with my autopay settings, yet XX/XX/XXXX I was charged a late fee and interest for a processing issue American Express had with my auto-payment. Again, the account my auto-payment had been setup with did not change, there were not insufficient funds, and actually looking at my transaction history, the auto-payment was debited on from my checking account when the payment was due on XX/XX/XXXX. 

On the American Express website, it shows that the payment had been processing since XX/XX/XXXX ( and it still shows being processed ) but American Express didn't flinch at the chance of slapping me with a late fee and interest even though their systems were to blame. 

I've been using autopay for years now and have never had this issue. Multiple customer service representatives calmed my nerves by telling me this never happens or rarely happens but it has me hesitant to trust their autopay feature or I might have to spend another hour of my time trying to remedy the system bug I had to deal with. 

Additional Note : I was on chat for so long that I was logged that I got logged off and when I logged back on to reconnect with the customer service representative I was working with, chat failed to load which forced me to call in and re-explain the issue I was having.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

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
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX XXXX XXXX I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XXXX  Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My bank ( XXXX ) account was accessed as a result of fraud. My bank closed the account but neglected to move the automatic payments to the new account. 

one mortgage payment ( specialised loan servicing ) was late. 

The bank issued a letter acknowledging the problem and admitting fault. 

The company refused to take this into account and adjust the report to the credit agencies.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Full Compliance Sweep of Non-Compliant Debt XXXX Dear Experian Dispute Department, I am writing to formally request a review and compliance audit of all accounts reported on my credit file to ensure full adherence to XXXX XXXX standards. As you are aware, XXXX XXXX compliance is crucial for ensuring that all information reported to the credit bureaus is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am requesting a full sweep of all reported accounts to verify that the following standards are met for each tradeline : 1. Accuracy : All reported information, including account balances, payment history, status, and dates, must be accurate and verifiable.

2. Validation of Accounts : All debt collectors reporting accounts to my file must provide full validation of the debts, including proper documentation to substantiate the claims.

3. Compliance with the FCRA : Any account that fails to meet FCRA requirements or XXXX XXXX standards should be removed from my credit file immediately. 



I believe some of the accounts reported by debt collectors may not meet these standards. In particular, please ensure that : All accounts have accurate and updated information. 

Accounts are reported in the correct status, including any that XXXX be beyond the statute of limitations. 

Any unverifiable accounts are promptly removed. 


Please provide me with a detailed summary of the actions taken, including confirmation of compliance for all accounts and notification of any deletions or corrections made. 

I trust that XXXX will handle this request promptly and in accordance with its legal obligations. Thank you for your attention to this matter. Please contact me directly should you require additional information. 

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

AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE SOMEONE USING MY IDENTITY. AS I'M TRYING TO GET THAT TAKING CARE I DECIDED TO GET CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS A NUMEROUS LISTOF THINGS THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE. XXXX  XXXX {$3700.00} XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX
Product: Debt collection

This complaint involves Reliant Capital Soutions LLC and  the company 's mishandling of consumer information ; rights in which are protected under privacy laws. I've been repeatedly contacted by Reliant Capital Solutions to whom I've never done business with and every phone encounter they providing misleading information regarding the nature of the call. This complaint has been generated due to Reliant employee mishandling my social security number without ever verifying who I was. 

When contacted by their employee XXXX I advised that I've never done business with Reliant. Instead of providing me with insight that she was calling from a 3rd party she insisted that I give her my social security number ; her request was refused. She persisted in a threaten tone she that she had the social. I proceeded to hang the phone up. Within a week or so later XXXX calls back XX/XX/2018 XXXX from phone number ( XXXX ) XXXX. Again I advised XXXX that I've never done business with Reliant, she then spats out my social security number over the phone without any verification of my true identity. I immediately hung up and called back to speak with her supervisor. What the Reliant employee did was negligent and very inappropriate. I spoke to the supervisor at Reliant and I was advised of the nature of why they were calling and that they are a 3rd party for the Department of Education. I then advise that I personally call Department of Education to seek a resolution and gather the real facts about the alleged debt. 

I would like to see Reliant implement see some regulations for data security protection.It is my hope that Reliant uses more ethical tactics when handling sensitive information in the future.It is Reliant obligation to safeguard consumers information in which they failed.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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 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
Product: Credit card or prepaid card

American Express contacted me and made me an offer to pay an outstanding balance as agreed on XX/XX/XXXX. We entered into a contract and they sent me a letter of confirmation of offer on XX/XX/XXXX. I made a payment in full in the amount of {$1100.00} on XX/XX/XXXX and American Express mailed me a letter on stating that agreement has been met. 

I was shocked to receive a Cancellation of Debt letter from American Express Company mailed to the week ending XX/XX/XXXX. In the letter it shows that after 30 days after we entered into a contract on XX/XX/XXXX they breached our contractual agreement and issued me a Cancellation of debt notice in the amount of {$1100.00}. American Express has breached our agreement for a total amount of {$2200.00}. This has not only imposed a monetary damage on me but it has also impacted my credit standing. American Express engaged in unfair business practice by entering into a contract with me and then breaching it.