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

On XXXX XXXX I was scammed out of {$400.00} using Zelle through my XXXX app trying to buy tickets for a concert. The person made a fake XXXX invoice and told me they were going to tranfer their tickets to me through my XXXX account. They then sent me an email from their email account with a very real looking invoice saying I got the tickets. I told them XXXX should have sent the email. At that time, I knew it was a scam. I called XXXX and filed a complaint and they said I needed to contact Zelle bc Zelle is a 3rd party on their banking services. Right now I do have a complaint with XXXX as well. XXXX had closed my complaint less than 24 hours later. But I also feel Zelle has treated me unfairly as well. When I called, they said I needed to call XXXX and I told them that XXXX said I needed to call them. When I gave them the info, they said that they don't dispute the charges and I can't get my money back. I asked " why can't they just get the money back from the Zelle user that scammed me. I told them I had alot of information about the person, including his address, phone number, email account and copies of texts and phone logs ''. They said that they didn't need any of that but if they did, they would contact me. But, I would not be able to get my money back. I felt like someone should stop this person from scamming other people, so I looked online and filed a complaint online with Zelle. A few days later, I called XXXX and they said it was closed and in Zelles hands and I could maybe get a courtesy refund from Zelle. They said my Zelle case number was # XXXX.I called Zelle and gave them that # and they said it didn't exist and to handle it with XXXX. I asked for a manger and the manager said maybe there is a case number with that # but there was nothing more they could do. I told them I was really concerned about this person scamming other people and I didnt understand why they couldnt just reverse the transfer or do a chargeback if they had the scammers info. She said I would not get my money back, but she would take down the info i had about XXXX XXXX and try to flag his Zelle account. Please help me to understand how they know this persons information but can not get my {$400.00} back from them. Is there any way the ABA 's Electronic Fund Transfer Act ( Reg E ) can help me get my money back. I did so much research about this and about the person who scammed me, I want them to repay me and to also be held accountable for scamming me. I am in the middle of a police report right now and would like to prosecute this person, if that ever happens.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payments reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I received and signed up for an offer associated with my Chase Sapphire Reserve account. The terms state that upon spending {$100.00}, I would receive a cashback of {$20.00} ( screenshot of offer attached ). Due to this offer, I made a purchase of {$140.00} on XXXX. XXXX charged me in 2 separate transactions, with {$63.00} on XX/XX/XXXX, and {$79.00}  on XX/XX/XXXX ( screen shot of transactions attached ). I did not received the cashback, suspecting that Chase 's system was not able to identify this transaction over {$100.00} due to the separated transactions. So I called Chase to inform them of this situation, and was informed that their team would contact me within a week. So far, it has been about a month from that conversation, and I have not heard from Chase on a resolution on this matter.
Product: Mortgage

Hi, I have been having a multitude of issues with my loan servicing and never get a response : 1- They never respond to my emails or contacts trough the website, even after the ridiculous 30 days they ask to answer any inquiries.

2- I have never received the invoices and payment details from the payments made from my Escrow account 3- They failed to pay all my interim taxes and have not reimbursed the late fees and penalties to my account after I requested payment months later 4- They are increasing my escrow payment by 50 % without a proper analysis and documentation, the statement I received by mail is incomplete and does not match the Actual numbers I have in my payment statements
Product: Mortgage

Ocwen loan servicing has played games with the short sale process, they keep requesting the same documents over and over again. I get them on the phone they verify the documents and then I call back and they state they do not have the documents. They approved the short sale previously, then they put the homeowner in a modification review process and they had to finish that review before they would re review for short sale. This is an endless process with them and based on all conversations it appears to be intentional delay of process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really need my student loan activity looked into. The loan shouldn't be in my report, and it's showing that I paid my payments for the past three months. I haven't signed up for anything, or made any arrangements with anyone. So these payments are being falsely reported to keep these accounts open, and affecting my report. There should be laws prohibiting this type of activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt is from a auto accident on XX/XX/XXXX. The other parties insurance company will be paying from a lawsuit that was filed. The original creditor never sent a bill to me or my lawyer. Then they placed the account on my credit back in XX/XX/XXXX '. Also they never sent a Medical Lien which all others company 's did. Now I've been fighting with the collection company and XXXX .Back in XX/XX/XXXX ' the collection company sent notification to all 3 credit reporting agencies to delete the account from my report, Which 2 of them did delete it. XXXX refuses to delete it. The collection company has sent me a draft that they sent to XXXX to delete and it's still there. I have also disputed the account with them 7 different times and it has not been removed. Now in XX/XX/XXXX ' I get a letter from the collection company saying the have entered a medical lien over a year later. With that being sent they are guaranteed to be paid once the law suit is settled. So for over a year i have had this account damaging my credit when this all should have been done first once treatment was given. They also had my heath insurance on file but never submitted for payment. I have attached Proof of the draft and the medical lien dated XX/XX/XXXX more then a year later
Product: Credit reporting, credit repair services, or other personal consumer reports

The right to contest my credit report is something that every American has. In accordance with the FCRA Section

611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privileg
e. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked!

The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXX.My birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from Turtle Island and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Equifax is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or XXXX is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt. The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the collection agency is verifying
erroneous information to the CRA through an XXXX, and hasn't provided you with proper validation of the debt? 

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA.

Please provide information to the following questions When was the dispute started internally at Equifax?

When was the dispute sent to the original information furnisher?

When did Equifax receive a response from the original information furnisher?

What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as Equifax \is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX XXXX XXXXXXXX, UNITED STATES COURT OF APPEALS, FOR THE THIRD CIRCUIT, No. 9 6-15 5 3, the judge ruled that XXXX violated the Fair Credit Reporting Act by failing to compare evidence. Equifax has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

At somepoint an account called XXXX was placed on my credit. It is not mine, I have tried to prove this but I can not get XXXX to talk with me, and TransUnion will not removed it but can not prove its mine. This is not my account. It needs removed please.
Product: Debt collection

On XX/XX/XXXX my XXXX year old son received a XXXX package with a XXXX XXXX XXXX XXXX pirates DVD inside of it. The package was sent by a relative. It was not signed for and left on our doorstep. Approximately one week later a XXXX invoice ( XXXX ) in the amount of {$110.00} was delivered to our address. The invoice had our XXXX yr old sons name on it. I called XXXX at XXXX to dispute the charge. We did not send or request the package and we do not have an account with XXXX. I informed XXXX rep that the person who sent the package must have used a XXXX account. The XXXX rep stated that they could not find the account number and that my XXXX yr old son was responsible for the invoice payment. I told her to contact the sender to acquire the correct account number. On XX/XX/XXXX we received another invoice from a collection agency stating our account status was delinquent. It was addressed to our XXXX yr. old son. To reiterate - we do not have an account with XXXX and do not use their services for any mailings or shipments.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting

someone in north Carolina has stolen my identity information and has purchased items including XXXX cell phones thru XXXX on XXXX/XXXX/2015. A police report was filed as soon as I found out about it on XXXX/XXXX/2015. A investigation from XXXX is under way thru there fraud department and our local police department.
Product: Money transfer, virtual currency, or money service

I tried to make an international transfer from my citibank account to my son 's bank in XXXX. When I entered the information on Citibank 's website, I entered the correct routing number, account number, name and phone number, but the incorrect Swift code popped up, this number was pre-populated by citibank online, not myself. When I corrected the swift code, an incorrect routing number populated- i was unable to manually correct that. When I called the bank in XXXX they told me that the routing number and account number were most important, so I let it go through with the incorrect swift code-which, as I said was pre-populated by citibank automatically. This occurred more than a week ago. I waited a week, I kept asking my son if he received the transfer. I called citibank yesterday and they told me that there was a problem with the routing number, I called them back later that night and they told me that the wire unit was closed, I should call back the next day. I called again today and spoke with the wire unit. They agreed that the swift code was incorrect and they could not change it. The money had been sent back to citibank. The bank in XXXX had charged a {$25.00} dollar fee and citibank is charging me a {$35.00} dollar fee ( for transfer that didn't happen ) and they will put back the refunded money in my account at today 's exchange rate, not last weeks ' exchange rate, which gives me a net loss of {$200.00} XXXX plus the two transaction fees. They told me that they will put through an inquiry to see what happened and they may or may not accept responsibility. Of course they did not make any attempt to contact me in the past week to tell me that there was a problem, or that my money had been returned to them. I had to make three phone calls to find that. I do have a complaint # XXXX. 
I would appreciate any help you can render.
Product: Mortgage

I am refinancing my mortgage. I started the process with Quicken Loans. The initial disclosure was what I expected. The final disclosure was drastically different with less cash out, I wanted to know why so I read it. 

They added on discount points ... however my rate was the same, no discount. They had me at a 4.5 % rate with 2 points at about {$7000.00} tacked on. So not only was the rate above average at the time, but they were also charging me for it. 

I went to another company and got a lower rate with no points. 

The reason for my complaint? 

1 ) They added it on at the end 2 ) The discount points are supposed to be bought in an agreement for a rate discount, there was none, I was given that rate which was above average and was never asked if I wanted to pay points to lower the rate. 

Is it illegal to charge discount points on a mortgage when the client is not made aware, and no real discount is given for paying said points? 

It seems like what would be an illegal practice to charge discount points without giving the discount on the rate
Product: Student loan

Mohela has been terrible 6 hour wait times Cant get straight answers Stick me in a high monthly SAFE payment plan without me knowing [ I cant pay XXXX a month ) Bankrupt 2 years ago, unemployed which ends soon and on public aid ( no assets ) The calculations are bad and XXXX us deceprive calc politicians are our if touch and XXXX XXXX XXXX leaders Mohela is a mess and problem and traumatizing borrowers in many ways