23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX of XXXX, I made a purchase at GAP. The shipping bag was delivered to my home ripped open and missing numerous items from it. I immediately contacted GAP who provided no assistance and told me to open a claim with my credit card ( Barclays Banana Republic Card. ) I opened a claim and GAP sent the credit card company a blurry photo of a delivery and stated that the items were delivered. I provided proof that the bag was delivered empty and missing items ( including delivery photo proof and camera proof ) but the credit card company has refused to settle the dispute, claiming that GAP says they delivered the items. I provided proof of an open bag delivered showing how it was missing items, which is all that I can provide at this point since the items never made it into my possession. Clearly the credit card is on the side of the company and not me, the consumer, since this is a branded credit card. I have tried for months now to try and resolve it and keep being told different stories every time I speak with someone. I have called multiple times, opened countless messages through their portal, and patiently waiting for communication since XXXX. I am just looking to get my money back at this point and then never use this credit card again since all of their consumer protections are just a bunch of lies. The total for the missing items from that order was around {$210.00}.
Product: Debt collection

I dispute the validity of the debt as no agreement was signed by me. The debt collector failed to follow proper validation procedures and engaged in abusive practices, violating my rights under the FDCPA. I demand removal of the account from credit reports and cease & desist of communications or I will escalate to my litigation attorney.
Product: Credit card or prepaid card

I have the US Bank reliacard. It arrived XX/XX/XXXX and I registered my card by phone and set-up the online account the same day. I also set in place security questions for account recovery. However in the following days when I attempted to log in, the portal told me my login credentials were incorrect despite me entering the password and security questions to verify my identity. 

When I followed the steps to reset the password and regain access to my account, the temporary password that I entered got me locked out as a result of an apparent security measure and it directs me to " call the number on the back of your card '' when I attempt to call customer support to unlock the account, I'm told wait times are exceeding XXXX hour. 

I've called multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX waiting for between XXXX minutes to XXXX hours on each occasion and still have had no success in regaining access to my account. The automated reset links that have been unsuccessful have been the only contact between me and the company up to this point..
Product: Credit reporting, credit repair services, or other personal consumer reports

11 years ago I used a loan which was originally called XXXX XXXX to start XXXX XXXX school at XXXX XXXX In Georgia. I cant remember the name of the town, but the school misled me in what the course would actually be, they did not place me at a job as promised in their initial consult. They also had teachers that were not showing up for class, they didnt finish my course, because I got sick and had to take a very short leave. When I was ready to come back they wouldnt let me and I never got a certificate, or placed in a job as promised. The school is now shut down, probably for these reasons and I owe more money to them, than my actual current real college. I was young and got scammed by them. I would like the debt forgiven as I am now actually trying to take real classes for real credits. Not a corrupt scam school and I just feel like I was robbed by them. This has been going on for over ten years now.
Product: Credit card or prepaid card

Barclays took over old navy and failed to send statements new card or grant access to account. I have been calling Barclays for about two months to fix the issue and they have told me multiple times it was their fault and were going to reverse all fees and interest to original amount but never do. They use deceptive practices to try and collect money that I am not responsible for saying they have corrected the charges but it is never corrected after five calls. They will tell me to call back and still the amount has not been adjusted. All these calls have been recorded. They also stated my credit report would not be affected and it still shows. They continue to lie even when they stated it was their fault. This is on recorded conversations.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve this issue with XXXX agency and nothing has been done please immediately remove all incorrect information immediately pursuant to my rights under FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I open a new account with XXXX XXXX in XX/XX/XXXX and has made over Four payment which has not been reported to the credit report bureau. 

XXXX XXXX are not reporting accuracy information to the credit bureau.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations. 
I want the CFPB to publish
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$24000.00} ; XXXX XXXX XXXX XXXX XXXX : {$720.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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: Debt collection

CMRE FINANCIAL SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX has been sending me collection notices in the amount of {$550.00}. This collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Mortgage

I have tried to get a loan modification through Bank of America. I am XXXX and now live on a very limited income. After months of submiting bank statements, income verification etc. I was denied and on their paperwork my income was inaccurate and falsified by their underwriter. I filed an appeal and their response was to sell my house in a short sale. Our equity is much more than the loan and I believe they just want the higher payment they now receive with the higher interest rate rather than working with us to make our payment affordable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act XXXX  account # 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 consent. Experian was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian is reporting unauthorized inquiries on my CONSUMER REPORT. Experian is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO Experian WERE A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. The dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. Experian has caused severe stress and anxiety due to the abusive and unfair practices.
Product: Money transfer, virtual currency, or money service

Pay Pal stole my money and permanently blocked my account. The account was in good standing and had been for almost 15 years. The reason given was increased activity and non consistent activity. The true reason is likely discrimination based on political affiliation. Pay Pal asked for an explanation, which is we have for four years been outsourcing the bulk of sales at a cost of around XXXX XXXX, now in order to save that XXXX XXXX we are handling sales in house. They have zero complaints, but stole our money based on the excuse that sales increased. It is our companies goal to increase sales, it is the goal of virtually every company. Does the business license Pay Pal has give them the right to steal? If so then how do I apply for such a license? If not, someone at Pay Pal is guilty of theft. Please help with this. Thank you
Product: Debt collection

I have contacted both southwest credit systems and XXXX to have collections removed from report. I have submitted paid in full letters and talked to both parties AND credit bureaus but they keep giving me the run around. One company is saying it 's on the other company and another company is saying it 's the other one. I need it removed.
Product: Money transfer, virtual currency, or money service

I have used ZELLE to transfer funds from my XXXX XXXX XXXX  ( now XXXX ) checking account to a XXXX XXXX shared checking account for years, and never had a problem. 

I have also used the external transfer function to send money from my XXXX XXXX XXXX  ( now XXXX ) checking account weekly to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, but after XXXX XXXX XXXX became XXXX, they no longer offer external transfers free of charge, so I attempted to use ZELLE to transfer funds from my XXXX  checking account to my XXXX  account. For the record, the credit union ( XXXX  ) was previously established as an external payee with XXXX XXXX XXXX and remained after transition to XXXX. 

When I began using ZELLE to send money from XXXX  to XXXX several months ago, I received XXXX  confirmations that the money was in fact sent to XXXX, along with a unique transaction number ; however, those funds were being sent to XXXX XXXX instead. 

I have spent over two months trying to resolve this issue, making dozens of phone calls and meeting in person with representatives from XXXX, XXXX ( not part of this complaint ) and multiple times with XXXX XXXX. I also contacted ZELLE and was told they are a third party and cant help me because they dont have access to users accounts. 

After exhausting all resources available to me, and after a lengthy investigation by XXXX XXXX, all I know is that two sums were reversed by XXXX XXXX. However, as confirmed in the last two meetings with XXXX XXXX on XX/XX/2023 and XX/XX/2023, they can not confirm where reversed funds were actually deposited. 

So after more than two months, I am still missing {$75.00} ( {$40.00} + {$35.00} ) for which no records exist. I do not accept that money can simply disappear and can not be traced, recovered and returned to its rightful owner. 

Having spoken with multiple bank representatives and their fraud specialists, no explanations of this failure have been provided, but my own theory is that ZELLEs payee sign up process at the XXXX  site is deficient, allowing users to request transfers to one institution without flagging it in any way and then misdirecting those funds to another institution without the users knowledge or authorization. I have since learned that XXXX is not partnered with ZELLE, but the system did not detect that or provide that feedback to the user. 

The attached document indicates what transpired in date order, with XXXX  and XXXX XXXX communications side by side for easy comparison. It also includes confirmation of my XX/XX/2023 request to XXXX  to cancel recurring funds being misdirected to XXXX XXXX, but it apparently continued through XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I account was opened under my name without my permission. I was a victim of identity theft. I contacted Conns to let them know and the account has not be removed.
Product: Debt collection

company furnished my information and the company the debt came from is not this company. My credit has been affected resulting in hardship and money lost. no debt was validated And im excersing my rights. Collections should be deleted per the law 15U.S Code Subsection 1692c, 15 usc 1692g and 15 usc 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed two rounds of letters with XXXX, Equifax and XXXX on XXXX XXXX and XXXX XXXX and the accounts still remain and have not been fully validated. XXXX sent me a second letter stating since they attempted to complete an investigation the first time, they will not be conducting a second investigation on the accounts.
Product: Debt collection

I received a letter on XX/XX/XXXX from National Credit Systems. Its was dated XX/XX/XXXX. The letter stated that they regret to inform me that I had failed to make suitable payment arrangements regarding the debt, which name of creditor was listed on document. And account Is being reported to our credit bureaus. I called the company on XX/XX/XXXX. I gave them verbal notice that I disputed the validity of this debt. I requested Verification of debt and an itemized billing statement for this account. XX/XX/XXXX I received an email from national credit services. With an attached statement showing total amount and description as move out ready. Was not a detailed description of these charges. I contacted the company on XX/XX/XXXX thats a message asking for an Itemized statement and description of all charges. To date I have not received any Verification of this debt. They reported me to all three credit bureaus on XX/XX/XXXX showing this debt was unpaid. XX/XX/XXXX I contacted national credit systems again and spoke to a supervisor. She states that they can report it to the credit bureaus but the description must say disputed. As of XX/XX/XXXX, My reports do not show this debt as disputed. I submitted a dispute to each Bureau independently. I informed the supervisor of this. She tell me goodbye and have a nice day. And hung up the phone. I had verbally informed the company of the dispute and I have submitted a letter via mail to this company informing them of this dispute but I did not receive an initial dispute letter from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX, XXXX this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I contacted American Express to close my credit card account which Ive had with them since XXXX because they increased the annual fee to {$150.00}. I paid my remaining balance and asked them to refund the {$150.00} annual fee since it was just charged on XX/XX/XXXX. They said that it has been more than 30 days and therefore they wont be able to refund it. I asked them to refund a prorated part because they wont provide me with any services for the next 11 months, period for which this fee is supposed to cover. They declined. I dont think this is fair. I feel like they just robbed me of my money without providing any service in exchange. Please help!
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, 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 findings indicate that Zelle has neglected to protect consumers and allowed offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

{$29.00} late fee charged, can't waive but never recd info. Told me I should check my Am exp. Account on line. Changed to mail copy. Don't want this on my credit report, feel should be waived.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been the victim of identity theft and found numerous credit inquiries of which I have no knowledge. 
Here are the inquiries that I've found : XXXX XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>. 
Please remove these fraudulent inquiries from my credit report. 
I also attached my identity theft report as well.
Product: Mortgage

XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX case XXXX has been stealing my mail since XX/XX/XXXX. 2022. I contacted XXXX XXXX for months, the XXXX, the XXXX, XXXX and no one has done anything about the mail theft issues. Due to missing mail pieces ( to include my driver 's license ) I have missed out on my VA XXXX, attending jury summons, and other appointments. Due to XXXX XXXX intentionally stealing my mail, I am now dealing with possible deed theft as my deed/owner information is not showing up on the XXXX XXXX tax website. I am an XXXX American, female, Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it concerns, I have reached out to XXXX, Equifax, and XXXX concerning three account that information was posting improper information concerning my accounts. I have sent letters twice times and I have waited the proper time frame to receive information concerning these items and I have sent letter via certified mail numerous occasion yet I receive no letters or information supporting the companies information on my credit report.
Product: Debt collection

Viking has repeated called my home, work and relatives even after I've requested verification. I do not know what this alleged debit is for.
Product: Debt collection

I was sent invoices in the mail from JCpenny 's. In 2019, I had a roommate who had stolen my information and had opened lines of credit. I don't know which one, as it was 2 and both parties denied it, but I did file police report, etc. For our household, we all had copies of the mailbox key, front door key, etc. As of now they no longer live in my home due to this however, it was going on for months and I had no clue regarding it. This is one of those accounts. I did not open this account and with respect, would never. Not for a few hundred dollars when I have credit cards with large limits.