23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I sent money through my Zelle account to purchase a resort stay in XXXX XXXX XXXX, it ultimately ended up being a scam and when I called Zelle and told them. They said they could not do anything about returning the money. I lost {$800.00} that day and had to just deal with that fact that there was nothing Zelle go do about it. I no longer have proof on this issue because they told me there was nothing they could do about the situation. I was beside myself and disappointed. At the time I was XXXX  XXXX XXXX  and was doing my best to get by. The trip was planned as a celebration of completing XXXX XXXX and finally getting XXXX  XXXX. Only for it to turn into a nightmare situation.
Product: Credit card or prepaid card

On XX/XX/2019, I received an unsealed pre-selected offer of a PNC cash rewards visa credit card with the customer reservation on it and a deadline of XX/XX/2019. The offer came from PNC Bank, XXXX. XXXX XXXX XXXX, MI XXXX. Do you always send out your mails unsealed? Someone might use the reservation number or any information on the letter Please let me know what steps are taken so any information will not be used by someone else.
Product: Bank account or service

I opened a checking account at Bank of the West in XX/XX/2016 and requested to close the account on XX/XX/2016. Bank representatives rejected my request because they claimed I opened a " line of credit '' on the account which I never did. Meanwhile, they stated I have used the line of credit and owe money on the line which is a surprise to me because I have never requested nor used any line of credit. I only withdrew my initial balance out of the account to close the account. The local branch representatives could not give me an explanation for why this line of credit was opened and why it says I used some of it. In the meantime, the account is also accumulating monthly fees because I have a zero balance and they wo n't close the account to investigate this error. I am being harassed with bank letters notifying me they will contact collections to collect the outstanding fees on the account. What this financial institution is fraud and reminds me of XXXX fraudulently opening accounts on their customers behalf without them knowing, and charging them fees in the interim. This is a bad surprise that I hope to resolve and prevent to happen to others. Please help!
Product: Debt collection

IC SYSTEMS DEBT NOT OWED REMOVE FROM MY CREDIT REPORTS. 
THANKS
Product: Credit reporting or other personal consumer reports

Deletion for Failure to Investigate On XX/XX/year>, Equifax publicly disclosed a data breach involving the names and other personal data of Social Security recipients. Since this breach, Equifax has been responsible for investigating and disputing inaccurate or fraudulent information, ensuring compliance with all standards under the Fair Credit Reporting Act ( FCRA ). This includes adhering to regulations for data verification, data transmission, system validation, and dispute resolution. 
Despite this obligation, Equifax, through negligence and willful misconduct, has continuously failed to conduct proper investigations into disputes filed through the Consumer Financial Protection Bureau ( CFPB ), online channels, and mailed correspondence. The CFPB has documented instances where Equifax engaged in sham investigations, failing to adequately review consumer disputes and, in some cases, even reinserting previously deleted inaccurate information into consumer credit files. This pattern of negligence is evident within my personal credit file, where multiple disputes have been ignored, and required proof for deletions was disregarded. 
Equifax was provided deletion documentation from both XXXX and XXXX but refused to take corrective action. The following accounts were officially removed by other credit bureaus yet remain improperly listed by Equifax : ACCOUNT : XXXX Discover Pursuant to XXXX U.S.C. XXXX ( FCRA XXXX ), Equifax has failed to properly review the provided information and has not offered any explanation for why fraudulent accounts remain on my Equifax report after removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
This dispute has remained unresolved for over XXXX years without proper validation or investigation. As such, these accounts must be immediately deleted, and all associations between my personal information and these fraudulent entries must be permanently removed. 
Final Demand This is not a request for review or modification. My rights have already been violated, and I have suffered financial and emotional hardship as a result. The only acceptable resolution is the immediate deletion of these accounts, with an official deletion letter sent to : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, MI XXXX, United States This action must be completed within XXXX days. Failure to comply will require a detailed explanation from the specialist assigned to my case, including full disclosure of the investigative process conducted. Any further failure to act in accordance with FCRA and CFPB regulations will result in legal consequences, with the responsible specialist held personally accountable for financial and emotional damages incurred. 
Immediate compliance is required. 

ACCOUNT : XXXX XXXX Is shown as deleted just as ACCOUNT : XXXX XXXX XXXX XXXX  ACCOUNT : XXXX ** XXXX XXXX XXXX ACCOUNT : XXXX ** XXXX XXXX XXXX Have also been deleted.
Product: Checking or savings account

This is in regard to SR # XXXX I filed a dispute with direct express regarding a returned Item i had purchase for {$440.00} I had returned the item brand new in box with reciept to the store XXXX XXXX. 

I took video and photos at that time to confirm. 

I sent the photos and proof or return to direct express along with the dispite being filed. 

Direct express didn't add my evidence to the dispute and thet denied the dispite. 

I then refuled the disoite with evidence and direct Express yet again didnt approve the disoite olnor add my evidence and it was denied. 

The third time I refiled the dispute I was told that legally they must XXXX within XXXX business days to resolve it. 

They never responded nor resolved it nor even opened the dispute to investigate it weeks after it was filed. 

I then recorded direct express on video confirming they see my evidence and that it was never reviewed and that and I quote " these are your funds owed to you and I see thr evidence you submitted and we will give you your hard earned money back XXXX I'll go ahead and refule it now as it wasnt processed nor investigated and you have been neglected. I'm sorry '' Now my log in information doesnt work, I can not log in using the website nor the app and it states that My card status is invalid... 

I have over {$500.00} in my account currently .... 

These employees all refuse to do their jobs legally and they all force me to give them the first XXXX digits of my social security number of the full social of they will refuse to help me and they all refuse to allow any alternative method of verification. Please investigate them all and take the appropriate actions. 

My account ending in XXXX XXXX XXXX XXXX # aka case reference # XXXX
Product: Mortgage

We lost our home to a fire in XX/XX/XXXX. With the initial insurance proceeds we paid off our existing mortgage with a different mortgage company, liquidated the majority of our funds in an IRA account, and rebuilt our home. The construction was complete, all contractors paid, and we moved back in XX/XX/XXXX. We had no General Contractor, and everyone who worked on the rebuild was paid as agreed, but we did not obtain official " pain in full '' invoices. 
We closed on our mortgage with Flagstar in XX/XX/XXXX. 
In XX/XX/XXXX our insurance company released the final holdback funds in the amount of {$46000.00}, and because Flagstar is now a lienholder on the property they need to endorse the check. 
Every interaction I have had with Flagstar 's Loss Draft department has resulted in a different set of requirements to release the funds. We have had an additional inspection with pictures, produces invoices we had, and instructed our Adjuster to submit all documentation we had provided ( including cancelled checks and original contracts ), that was submitted to the insurance company to prove they were paid. 
On XXXX I was told by Flagstar ( XXXX ) that I would need the Conditional Waivers of Lien completed, and that would satisfy the requirement. 
On XX/XX/XXXX I was told by XXXX the same. 
on XXXX I was told by XXXX that 3 of the Conditional Waivers needed to be amended to include the contractors ' Tax ID numbers, and an assertion that all work was completed per the estimate. This was submitted. 
On XX/XX/XXXX ( a State Holiday ) at XXXX I missed a call from XXXX and she left a message that they had tried to reach out to one of the contractors to have him submit a paid invoice. 
On XX/XX/XXXX I spoke with someone at Loss Draft who told me that I need to get official paid invoices from ALL of the contractors. 

We are getting frustrated with the continuously moving requirements, and the contractors are long past frustrated with the constant requests for additional documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My students loans were paid in full & were never late. XXXX continues to report my students loans incorrectly in the credit bureaus. They never reply to my letters neither to my attorneys. They dont have a phone number either. They dont care about anything. They are very difficult to communicate. I have to go this route as my last resource. The last time they were trying to communicate with me was to offer a program that cost 1000s of dollars. According to them IT was going to help me to complete my student loan forbearance etc. They were very upset because I didnt pay them thousands of dollars to enroll in their program in which none of these fees were to be applied into my loan. They just wanted the money to complete the forbearance which is a simple process anyone can do.
Product: Credit reporting or other personal consumer reports

I recently recevied a copy of my ( XXXX, Equifax and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : account ending in XXXX, late payments reported on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX is in clear violation of the law. Pursuant 15USC1681 a 2 ( A ) ( i ) -EXCLUSION- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1881a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly sates IS NOT included on my CONSUMER REPORTS.
Product: Money transfer, virtual currency, or money service

on XX/XX/year>, I took and ACH PAYMENT for {$9900.00}, to have a security hold put on my account which I figured it was normal for the protocol on to have my ACCOUNTDEACTIVATED TODAY by email saying THAT BECAUSE OFTHE TYPE OF TRANSACTION WE WILL NOT BE ABLE TOSUPPORT YOUR BUSINESS, AND YOU CAN NOT GETYOUR MONEY BACK FOR 90 DAYS! I am out of business before it started. My client is upset to no end, from the reviews I see people are writing the DEPT OF FINANCIALPROTECTION CALIFORNIA. PLEASE HELP ME GET MYCUSTOMERS MONEY BACK I am a XXXX XXXX retired, and I looked at the reviews I am not the only person with this issue how can they still be allowed to do business
Product: Debt collection

Carpenter Hazlewood is a law firm attempting to collect debts claimed to be owed to my homeowners association. It obtained an injunctive order from the Courts by misrepresenting me and the facts of their claims, thus defrauding the court leading to its injunctive action. The injunction allowed the Association to restore common area landscaping which straddled my property and was installed to stabilize a slopping embankment. The Association hired a contractor to restore the embankment as allowed by the court, but in the process, trespassed on my property, damaged the landscaping on my property and stole personal property boulders that enhanced the property values of the neighborhood. In effect, the Association hired a perpetrator to perform a criminal act.

All of their actions were recorded on surveillance tapes, the perpetrators were informed of their trespass and that they would be charged with criminal trespass, property damage and theft by loudspeakers as the act was performed. Police were called and criminal complaints were filed with both the XXXX Police and XXXX Sheriffs Departments. Both have been asked to investigate the criminal complaints. This is the very definition of racketeering by the Association Board of Directors. 

So now Carpenter Hazlewood is harassing me by threatening legal action and foreclosure of my property if I dont pay fees and expenses that they demand. No credit for the stolen property or damaged property is deducted from those costs. These demands for payment is an abuse of the courts to bully and suppress residents under the color of Law. It has made a mockery of our God Given rights under the Constitution for the United States and no agency of the government is willing to uphold the rule of law. I am hoping you will.
Product: Debt collection

Received a notice from these crooks at XXXX XXXX XXXX. They said they "bought" a debt from Citibank {South Dakota} N A for $XXXX, Account number XXXX> First, I don't know what the XXXX they are talking about, Second, if this was a very old debt ,it was discharged many years ago in chapter XXXX  br. In any case, this is a group of crooks is working together to try to steal from a senior citizen. To Contact Citibank, call . XXXX XXXX XXXX. fot the XXXX folks, call XXXX XXXX XXXX XXXX.Looking for some help.
Product: Credit reporting or other personal consumer reports

Filed an Federal Trade Commission Report ( FTC Report # XXXX ) and send it to XXXX and Transunion. 

The report states to please remove the following hard inquiries as they are fraudulent. 

XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX Tennessee Dept Of H Account # XXXX Past Due Amount {$3600.00} Transunion XXXX ) XXXX XXXX  Financial XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX Bank XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) Compass Equipment XXXX Transunion Please Remove the following account because it was fraudently applied for XXXX High balance {$3000.00} Opened XX/XX/year>, XXXX High Balance {$1700.00} Opened XX/XX/year> 2012
Product: Credit card or prepaid card

Based on a credit card agreement with Barclays XXXX XXXX credit card I should have received 2 companion tickets for XXXX XXXX for spending more than {$30000.00} between XX/XX/XXXX and XX/XX/XXXX. I emailed Barclays on XX/XX/XXXX inquiring as to when I would receive them. To my knowledge they didn't respond until I received a letter from Barclays dated XX/XX/XXXX stating they couldn't help me. On XX/XX/XXXX I called and reported the issue again and they provided me with an incident number XXXXXXXX stating there was an issue with the website and that it would be corrected. I received another letter dated XX/XX/XXXX stating yet again that they couldn't help me. On XX/XX/XXXX I called and was provided a case number XXXX and was told they were trying to resolve the issue. On XX/XX/XXXX I called and still nothing had changed. On XX/XX/XXXX they called me to say they were working on it. I then receive a 3rd letter dated XX/XX/XXXX they couldn't help me. On XX/XX/XXXX I called them and told them I was going to discontinue using the card ( even though I was well on my way to supposedly receiving 2 more companion tickets ) because I was paying them for a benefit that they were not honoring. I told them on XX/XX/XXXX I would file a complaint with CFPB. On XX/XX/XXXX and on XX/XX/XXXX they called to say they were working on it. Today is XX/XX/XXXX and I have heard nothing else from them. I'm certain if I didn't honor my end of the agreement to pay them for my charges on the card that I would be turned over to a collection agency and my credit destroyed. Thus, you're my only hope at making them honor the original agreement. Happy to answer any additional questions. Thanks.
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00}
Product: Debt collection

Upon closely analyzing my recent credit report, I identified several accounts that appear to be incorrect and were included without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are taking too long to complete my credit investigations. I submitted requests back on XX/XX/XXXX, and I have yet to receive my completed investigation results.
Product: Credit reporting or other personal consumer reports

The credit bureaus have violated my rights according to 15 U.S.C 6802 .A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Who gave the credit bureaus the permission to share my information? 

Also 15 U.S.C. 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

The XXXX XXXX XXXX XXXXXXXX, has been sharing my account with third parties. 

Please send a detailed description to how the account was verified.
Product: Credit reporting or other personal consumer reports

As I stated before, detectives called me last XX/XX/XXXX to follow up about a car theft to see if I found this particular vehicle. I told them I have a XXXX and its outside, my car is not stolen and I never filed it stolen. They put me on hold, came back and asked what was my address etc, I told them. They said the information on the report was not my information and the only way they found me was bc of my license and someone stole my identity. They told me to get my id changed and check my credit report and we did an identity theft police report. I checked nothing was there so I figured it was mistaken identity and they updated me and said the police found the car in California. I checked my credit XX/XX/XXXX and the car, phone bills and so many things are on my report. I called each one and the companies asked for my social security I gave it to them, they said thats not whats on the paperwork and they cant give me anything bc I dont know any of the information thats on there, only my id number. Im so confused as to why every credit agency is adding things on my report and wont take it off when its reporting a different social security to now when I call its a different reporting social on my credit. This is so frustrating XXXX XXXX cant do anything with my credit and they wont help me
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX BANK # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Debt collection

The debt they are attempting to collect has something to do with an ex-wife divorced XXXX XXXX ago. We spoke to them, told to them stop calling, and asked them to remove the number from their account. They keep calling and have been for some time now. 

The most recent call was today ( XXXX XX/XX/2022 ), the first was on XXXX XX/XX/2022. They've called at least XXXX times and have had all of this explained to them. Each time they promise to remove the number and stop calling but they obviously have not removed the number and they continue to call. 

The number they leave is this : Ally Financial XXXX XXXX XXXX ext XXXX XXXX I also spoke to someone claiming their name is XXXX XXXX ; XXXX promised to remove the number last weekend by the way. I get the idea that there really is not a XXXX XXXX as when you call back ; she is never there and I end up speaking to somone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I spoke with XXXX regarding the reporting of a XXXX XXXX  Holding Acccount that was closed. The information was subsequendtly updated as accurate- no late payments. I contacted the creditor and they advised they would update the report which they did in the past. Today XX/XX/XXXX, I looked at my report and XXXX XXXX reported me as being late in XXXX and XXXX again, whch is totally inaccurate. XXXX  keeps allowing the creditor to report inaccurate information on a closed account that was last reported as accurate in XXXX. 3 years later we have a activity of late paymet activity.
Product: Credit card

Various Credit Card Companies ( XXXX : XXXX, American Express ) do not send a statement if you do not make a charge to the account. I think a statement should be sent out out whenever there is ANY activity on the account. They do not send if you only make payments and have a XXXX balance. I think they need to send one whenever there is ANY activity
Product: Vehicle loan or lease

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.
Product: Credit card

I approved a {$50.00} charge and was overcharged by over {$1400.00}. My credit card receipt was signed by someone at this establishment. My credit card company ( Discover ) refuses to compare my signature to the signature in question.
Product: Credit reporting or other personal consumer reports

Upon reviewing my report, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. I did not apply for credit or grant permission for these entities to access my credit file. As such, these inquiries are unauthorized and must be removed immediately. 

Please investigate this matter and remove these inquiries from my credit report. If these companies claim I provided authorization, I request a copy of the signed authorization for my records.