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

On XX/XX/2024, I received a text message that looked like it was from my bank saying someone tried to purchase something in XXXX from a game stop. They asked me if it was me and I responded no. Shortly after I got a call from XXXXclaimworker facetime audio. The individual on the other end said she was with citizens  and someone was trying to get money from me in the amount of XXXX and XXXX. The person who identified herself has XXXX and provided an ID number said in order stop the people trying to transfer money out of my account we had to do the same transaction to get it back. I was hesitate and multiple times said this sounds like a scam. Unfortunately she was able to talk me into it. The first transaction I was told to go to XXXX on my citizens bank mobile XXXX I had never used XXXX before but the person directed how to get there and walked me through what I had to do. I unfortunately did it and was told to send the money to claim worker XXXX XXXX. The individual then walked me through another one through XXXX XXXX. When the call was complete she said I would get a phone call tomorrow to confirm everything worked out and we hung up. When we hung up I immediately called Citizens Bank asking if this is something they would do and they said no. They immediately opened up a claim with Citizens and I was told with XXXX as well. I was able to stop the XXXX XXXX payment so I did not lose the XXXX dollars but not XXXX. I was advised to close my accounts and open new ones which I did the very next day. When I was at the Citizens Bank XXXX they advised that I would get the money back. I recently got a letter that I am not getting the money back because I authorized the money being sent via XXXX. I don't disagree but I was being scammed. I called to escalate and was told the decision was final. I was not told if they spoke to XXXX or anything. I have been with this bank for over XXXX  years and never had this happen. I am not sure they did a full investigation as they never took down the name XXXX XXXX and i have no confirmation they talked to XXXX as well. This is a tremendous learning experience for me but also a big hardship as the money was for something.
Product: Mortgage

I have an adjustable rate mortgage loan that has a very high rate of 9.45 % with very little going towards the principle. It also has a balloon payment of {$440000.00} due on XXXX XXXX, XXXX. In XXXX my loan amount was {$620000.00}. Today my loan amount is {$600000.00}. 
Over the last 10 years I have paid over {$500000.00} in payments with little reduction in the principle. I did not receive an amortization schedule and have not been able to get one from my mortgage servicer. I have complained many times to the mortgage company and my loan is either sold or the loan gets transferred to a new servicer. I have recently had a significant drop in income and could not make the payment. I have requested a loan modification under the HAMP program which was submitted in XXXX of XXXX. I am sure this would qualify as a predatory loan because of the high rate, non amortizing and excessive balloon payment. My monthly payment is {$5700.00}, of which {$4700.00} goes toward interest and only {$280.00} for principle. 
This is a loan that would not be made today. It only benefits the investors and makes it impossible for the borrower to repay.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 at XXXX, I received an email from PayPal announcing they permanently limited my account because they found potential risk. I have a balance of {$3100.00} in my PayPal account at the time of this email. They will hold these funds for up to 180 days. 

I messaged PayPal immediately asking about the situation and if there was any documentation I could provide to clarify whatever this risk might be. 

I received a response at XXXX, stating their decision to close the account was final. I know they can close an account for any reason, but they refuse to give me a reason. The claim that " In order to protect the integrity of the PayPal Service, we can not disclose the specific criteria that we sometimes use to limit access to accounts. '' I reviewed these potential reasons in their User Agreement and Acceptable Use Policy and the disclosures are so vague its impossible for me to determine what went wrong and they won't tell me. But they plan on holding my money for 180 days and they " reserve the right to close any account reported to be involved in possible fraudulent or high-risk behaviour. In the event of a dispute, PayPal will seek to recover the funds from you by debiting your PayPal balance. '' If this was due to a dispute they should be able to tell me that. I should see the dispute in my resolution center and there are no logged disputes there. As a result, there should be no reason to remove any of these funds from my account since they claim they would do that only in the event of settling a dispute. I use the XXXX XXXX  so that I get the merchant protections for running EMV chip transactions. I should have those protections against any disputed transactions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 fumish a account without my written instructions.
Product: Debt collection

On XX/XX/XXXX, I purchased a chair from XXXX XXXX XXXX " XXXX ''. 

On XX/XX/XXXX, the chair was received. 

I was careful to use XXXX because they had a 14 day return window, and I was not sure which option among many we would keep. I have a screenshot of their return policy on the product page, which states " As stated in the full Return Policy, this item may be returned if requested within 7 days of being received. '' On XX/XX/XXXX I requested a return of the chair, within 7 days as stated in the policy. 

XX/XX/XXXX, Merchant refused to honor the return policy, citing a different return policy that is nowhere to be found in the XXXX or checkout flow. 

After multiple emails where the merchant refused to provide a return authorization, stating " this is non-returnable and the manufacturer denied the return too '', I filed for a chargeback with XXXX. XXXX granted the chargeback and sent my money back. 

XXXX then sent an invoice for the goods to Nexum Group Inc, a collections agency, who has since opened a collection on my credit report. 

Item was received on
Product: Debt collection

This is an old loan for 2016 with XXXX that apparently has been transferred to synchrony for some reason its reporting like a new loan again on my credit report. Every address or phone number showing on this report is invalid or disconnected. When you try to call Synchrony bank separately and explain the issue, they either tell you they don't know what you're talking about, or they transfer you to a department that just disconnects your call. I have tried disputing this with the credit bureaus for the fact that it is 7 years old and reporting like new debt and the fact that I have tried every avenue available to me to contact them and settle this and can not reach anyone the number listed on the credit file is invalid and disconnected.
Product: Mortgage

They are n't doing what the government says lenders should do to provide foreclosure alternatives to help homeowners in foreclosu.re
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. I told the Equifax to reinvestigate this account : on XX/XX/XXXX  - XXXX XXXX, XXXX XXXX ( fraud/theft ), However, they stated everything was complete and accurate or still working on it, but it is been more than 30 days since I submitted the complaint. But also how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card or prepaid card

I was surprised when reviewing my credit report and found a 30 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and transunion are reporting inaccurate account balances
Product: Debt collection

I was the victim of fraud and they allowed a person to order a new phone to an address that was not mine, while i currently had internet provided to my ACTUAL address on the same account. I have lived there since XXXX of XXXX  and had all my bills there since, as well as internet service from them. 

XXXX XXXX  passed this onto XXXX collection agencies preventing me from buying a house, despite me telling them this was fraud. 

XXXXXXXX XXXX RADIUS GLOBAL SOLUTION MXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE credit reporting agencies XXXX and Transunion are reporting a fraudulent account XXXX XXXX Account # XXXX is the original creditor and is now listed as XXXX XXXX XXXX ... ..this account was never reported to either XXXX or Transunion ... .it was reported as a closed account only on XXXX ... .and now they are reporting to the to other 2 bureaus as a collection and has dropped my credit score and I am in the process of purchasing a home ... .this is FRADULENT XXXX and this account should be removed and deleted immediately!! how are you reporting a collection that was never reported to either of the 2 bureaus to begin with and the account was Fraud! 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) no account number listed Transunion XXXX XXXX XXXX ( XXXX XXXX  ) no account number listed now how fishy does this sound ... ..this ACCOUNT IS FRAUD ... I am submitting the docs to prove it! I submitted my IDENTIY THEFT AFFIDAVIT in XXXX in 2019 ... I am attaching the documents now
Product: Credit reporting, credit repair services, or other personal consumer reports

I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by XXXX XXXX and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. Example of discrepancies. On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XXXX beginning XXXX. On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XXXX beginning XXXX. There are also fees that are not consistent on each set of statements as well. I have also highlighted the discrepancies on the customer account activity statements. The discrepancies are as follows : Documented on XX/XX/XXXX customer account activity statements. 
Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX Repay of Escrow Advance {$470.00} XX/XX/XXXX Escrow Advance {$590.00} XX/XX/XXXX Repay of Escrow Advance {$77.00} Documented on XX/XX/XXXX customer account activity statements. 
Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX fees Assessed or Recovered Fee {$82.00} XX/XX/XXXX fees Assessed or Recovered Fee {$25.00} I would like to take legal action on this matter. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, XXXX fraudulent digitized checks were written by XXXX XXXX in the amounts of {$370.00} and {$390.00}. I discovered this XXXX months later, and Chase Bank refused to refund me the amounts. They agreed that it was fraudulent and digitized, but said that because they were already processed, Chase could not refund the money even though they were fraudulent! The discovery period and her receiving the money prevented them from doing so -- which is insane -- I never received the money back because I kept getting outsourced to XXXX, and I ended up giving up because it was 2020 and I didnt have the time to be on calls for upwards of XXXX hours.
Product: Credit card

I discovered a Discover credit card that was opened fraudulently in my name. I notified Discover immediately and they sent me an identity theft affidavit package. I filled out the necessary forms, went to my local police department to file a formal report, and submitted all documentation to Discover. They called back a couple of weeks later to let me know that I had an outstanding balance. I explained that I was a victim of identity theft and had previously been told the account would be removed from my credit report ( which it was ), and that I would not be held liable for any balance. The representative I spoke with ( XXXX ), advised he had no identity theft affidavit on file. I explained I had already sent it. He put me on hold and came back to let me know that he had found the file and apologized for any misunderstanding. As part of the police investigation, the investigator ( XXXX XXXX ) suggested I take a polygraph test as that usually helps with these types of cases. I took the test and passed - meaning I told the truth and did NOT open this card. A couple of months later, Discover called to let me know they had completed their investigation, found no trace of fraud, and had OPENED ANOTHER ACCOUNT IN MY NAME as they are holding me liable for the balance of {$1200.00} ( which has now increased to {$1500.00} ). I gave no authorization for Discover to open another account in my name! They advised it was a " recovery account '' because they had closed the initial fraudulent account. This is a direct violation of my rights and fraud! I advised XXXX, again the same representative who called me before, that I had already filled out all the documentation they needed and even subjected myself to a polygraph test. XXXX said they were still holding me liable and I advised him that Discover had already told me I would not be liable. 
I have told Discover not to contact me any more and that I am considering filing charges against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

It was it my medical bill in the year 2020, this company Phoenix Financial Serv put correction in my credit without let me know.
Product: Debt collection

This account was never mine! I'm not familiar with this account. I never agreed to anything with this account. I should not be held responsible for this account because it is not mine!
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Mortgage

I am trying to short sell my home, the buyer is getting ready to walk away because of Roundpoint 's procrastination! I need to get from under this home, I have a law firm helping me, and Roundpoint just keeps saying it 's being review, no one can be actually handling this?
Product: Credit reporting or other personal consumer reports

I am writing about accounts on my report that I need removed. I disputed these acoounts with the credit agencies due to inaccuracies and violations. I still have not got a response from them. I will upload the accounts I need deleted in the documents section.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX XXXX XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXXXXXX XXXX XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2016 Balance {$270000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple accounts listed on my credit report that are inaccurate and unverifiable, stemming from the XXXX data breach. These accounts are not mine, and under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines, they must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice some inaccurate and incomplete on my credit report last month so I sent XXXX a letter on XXXX disputing the negative information including personal information and inquiries with USPS certified receipt XXXX XXXX XXXX XXXX  XXXX. Have not heard from them regarding this matter, per 15 USC 1681a all items have to be 100 % accurate and complete. I am asking for assistance to speed up the process because it keeps me from buying a home. I sent XXXX and Experian letters as well pertaining to the inaccurate items. 
Experian tracking # XXXX XXXX XXXX XXXX XXXX XXXX tracking # XXXX XXXX XXXX XXXX  XXXX