23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Meridian Financial Services, INC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Over the past 12 months we disputed the debt related to our timeshare and specifically asked for validation in writing. We then asked for verification that they are authorized to act on behalf of XXXX XXXX, as they do not own the alleged debt. 
According to the Fair Debt Collections Practices Act, we are entitled to this verification, and it is our understanding that the debt must be returned to the timeshare per the Act 's guidelines. The absence of communication is concerning and violates our rights as consumers. 
Meridian has not tried to properly pursue this debt when they dont follow the law. 
The alleged debt is disputed and any assistance in getting this matter resolved is appreciated.
Product: Mortgage

Over 20 years ago at Chase Bank I got a mortgage for my home. It was a LIBOR adjustable rate loan. There was no problem until just before XXXX XXXX Chase informed me that that product was no longer available and my options were to move to a high interest rate fixed loan or another adjustable loan. Under the adjustable rate loan my mortgage has gone up {$300.00} since XXXX XXXX. I dont understand how I can have a mortgage contract that can be voided or changed by one party and cause my mortgage to skyrocket. That should be criminal and a class action lawsuit if they have done this to others.
Product: Debt collection

Zions says they bought my debt from XXXX. I owe XXXX {$550.00}. I sold my house and the new owner was supposed to take over the account. There is a {$550.00} balance remaining. I tried to pay but XXXX said it was with XXXX. They did verify that I owe {$550.00}. 

2 years later I get calls/messages from Zions. I am no longer in the US and they failed to honor the time difference. They failed to mail me any information so I assumed it was a scam. NOW it's on my credit report as a collection for {$1200.00}! I contacted XXXX they refuse to remove it. I even gave XXXX the information from XXXX. They still refuse to remove it. 

How can Zions just put a collections on my report without mailing me any proof, and without explaining how the amount went from XXXX to XXXX?? 

I contacted XXXX again. They said they have no record of Zions and I only owe {$550.00}. I have a copy of that transcript/conversation. Yes, sent that to XXXX too. I tried reaching out to Zions, I can't reach anyone. 

So now my credit report shows XXXX {$550.00} and Zions Collections {$1200.00}
Product: Credit card or prepaid card

I ordered a refrigerator from XXXX on XX/XX/XXXX and received it. I paid for it with my XXXX XXXX XXXX XXXX account. 

On XX/XX/XXXX I received a call from a delivery service that my fridge from XXXX was on the way. I explained to them that I'd ordered and received my fridge 14 months ago and they canceled the delivery. 

Syncrony, the company that runs their credit card continues to bill me. I have a Lowes card even though I didn't order the fridge with it. I've sent them the order from XXXX, my credit card statement from XXXX from my bank and a screen shot of the fridge from my XXXX account from XX/XX/XXXX. I was told on the phone just now that Lowes claims they provided " services rendered '' and there's nothing they can do. I've been disputing this back and forth with Syncrony since XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Has as violated my rights : 15 U.S.C 1681 Section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 an accurate.
Product: Credit card

Today, XXXX XXXX, I called Synchrony Bank about two payments I made on XXXX XXXX, XXXX  ( {$110.00} ) and XXXX XXXX, XXXX  ( {$120.00} ) in error. I asked for a payment reversal for the {$110.00} as two payments were made for the same month in error. The representative processed the request and advised that I will be receiving a check in the mail in about 2-3 weeks. My original payments were NOT submitted via checks but as ACHs. Both payments cleared my bank as ACHs. I asked the rep why it would be a check since I'm calling within the 5 banking days of the error being noticed and within XXXX guidelines. They said checks has always been their policy and no such regulation exists and the return can not be handled via ACH. The rep even reached out to their Recon specialist and this information was relayed back to me- there is no such policy/regulation and the payment can not be returned via ACH. The check is the only option. 

This is incorrect information about XXXX and it appears Synchrony Bank has been informing their consumers incorrect information when it comes to this type of error. 

According to several bank sites, articles and XXXX  reversals must occur within 5 business days of the transaction.
Product: Mortgage

Prime Lending, as well as other lenders in XXXX SC, openly violate RESPA and " provide things of value '' for referrals. The attached showed up in my XXXX feed. Pitiful.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : 1. XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} 2. XXXX - XXXX - XX/XX/XXXX - {$440.00} 3. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$190.00} 4. BANKRUPTCY - XXXX - XX/XX/XXXX - {$5000.00} Inquiries : 1. XXXX  - XX/XX/XXXX 2. XXXX OF XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX, XXXX XXXX - XX/XX/XXXX 7. XXXX OF XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX
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. 

XXXX XXXX XXXX  : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Wallet containing my chime bank debit card And cell phone associated with that chime account and containing the password needed to access the account was stolen XXXX months ago. After contacting chime bank representatives to report the theft, report the numerous unauthorized transactions having occured, no immediate cancellation of that debit card, confirm that a new card was in fact was issued or any access to immediate emergency funds being available or accessible to me, despite having provided and emailed all the necessary documents needed or requested of me to prove and verify my identity. however im unable to access my account or excess the funds that belong to me, receive any refunds or receiving a new card. XXXXm in desperate need to have access to my funds accumulated over the past XXXX months as I face XXXX, amounting late bills and XXXX  XXXX due to this issue. Please help. Thank u
Product: Checking or savings account

I opened a suntrust account XX/XX/XXXX online once approved I made a deposit with my tax return check of around {$340.00} I waited a week before making any more deposit just to see if it was going to closed. Upon receiving a card, check books etc I put the rest of my money in there via in person {$9900.00} CASH assuming it was safe 2 days later my account locked. I wasnt aware my account locked until I tried to pay my bill and it denied me, thats when I called suntrust and a representative informed me my account was closed and I will receive a check in a mail. A week went by and I havent received an update or my check so I called again and now my account is FROZEN and there is no time frame they can give me and tell me why its under investigation. A representative tells me I wont receive a letter or any information until the investigation is done while another representative tell me one has been sent 2 weeks ago but I havent received it. Its been almost a month I cant pay bills, buy my daughter food, wipes or papers. My phone is off, I cant pay my rent or any bills for my basic needs I have nothing and they keep telling me they cant give me information
Product: Student loan

This is my third complaint filed regarding EdFinancial. My initial issue was that I was unable to create a user name and password to even access my account. As it turns out, while they were transitioning to their new system, they used an old address despite the fact that they were previously in possession of my new one. I know they were in possession of my new address because I received patently false information from them in the XXXX XXXX XXXX via postal mail to my current address advising that I qualified for PSLF ( I do not ). 

Thankfully, I was finally able to actually speak with a human being who could help me with creating my account. I applied for and was approved for the SAVE plan, which is helpful, but now I'm receiving correspondence from them telling me that they will report missed payments to the credit bureaus starting XXXX, which is not in line with federal guidance ( according to my own knowledge ). As distressing as this is, I was advised that the best way to fix this by one of their employees was to not pay my XXXX bill with the SAVE amount. When I asked the employee to send me documentation of his advice, he refused. I'm just at a complete loss, and Edfinancial is no longer responding to CFPB complaints. I really need help. I'm terrified that this mis management will destroy my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX credit inquiries on my Transunion credit report that are not only unauthorized but I have never heard from the companies. I have contact the companies who say they have contacted Transunion to remove these inquires and they have not done so. Transunion refuses to help me and continues to deny all disputes I have made on this matter. The inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-XXXX XXXX
Product: Mortgage

have been a customer of Flagstar Bank for 7 years and have never made a mistake with my mortgage payments. Recently, I encountered issues when attempting to make my payments. Flagstar Bank has informed me that they will no longer accept payments over the phone or via credit card, insisting that I make payments exclusively through cashier 's checks. 

I have called almost daily and submitted multiple requests to have this decision reconsidered ; however, no one has been able to assist me in making a payment. I have spoken to multiple representatives from different departments multiple times per day and have escalated my request to the highest level available to me. Yet, I have been told repeatedly that there is no way to make the payments, even though all they need to do is accept my card information. This situation has become quite stressful for me, and I can not understand why it can not be resolved. 

The issue began when funds were mistakenly taken out of the wrong account, which caused me to be removed from the auto-payment plan. Although I have been told I can not make a payment, I successfully made a payment last month using my credit card, which adds to my confusion and frustration. 

I have the funds available to make my payments, but Flagstar Bank will not accept them through any method that I can use. This change in payment policy has created a significant hardship for me, as I am unable to obtain a cashier 's check. As a result, I am at risk of missing my mortgage payments, which could lead to further financial complications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX {$830.00} XXXX  XXXX {$300.00} XXXX   XXXX  XXXX XXXX {$1000.00} COLLECTIONS XXXX {$1900.00}
Product: Credit reporting

The XXXX of XXXX of XXXX have no record that I owe any debt.
Product: Credit card

PayPal - I purchased a XXXX watch from a listing online via PayPal invoice for XXXX euro - shortly thereafter I realized that the seller was a complete fraud, and had sold the same watch to a dozen or so people. I filed a dispute with PayPal, as this is clearly covered under their buyer 's protection policy. They closed the case in favor of the seller several times, and after countless phone calls and emails trying to help a completely inept customer service department ( in what sounded like an XXXX country ) listen to logic and reason, I was running out of time to file a chargeback with my credit card company - which I did, and a majority of the funds were recovered without a problem. However, the remainder was paid by my PayPal balance ( which is unavoidable, if you have a balance, they use it ) - and I have now been told ( despite it being clearly covered in their policy, and having documentation they had no reason to dispute the chargeback ) that I have to reclaim the lost funds directly from the seller. Previous issues with PayPal have not been this awful, but at nearly every single step with this one, I have been given different reasoning behind their actions ( nothing consistent ) and nothing has been handled the way customer service should behave to a long time ( 15 year ) customer.
Product: Credit card or prepaid card

On XXXX, XX/XX/XXXX, XXXX XXXX, I was booking a flight online with JETBLUE. When step 3 of the booking process ( Review & Pay ) was displayed, an offer of " {$250.00} credit statement and 15,000 Bonus Points '' popped up on the screen ( see attached ). This offer, showed a different final amount after the " statement credit '' is applied, my estimated amount due for the ticket would go down from {$410.00} to {$160.00}. Without further ado, I hit the button " Apply Now '', completed the application form, an instant approval came from https : //www.barclaycardus.com and I went to book my flight.

Needless to say, my first disappointment was when I was confirmed and charged the full amount without any discounts. The applied points were far from the 15,000 BONUS points promised by this offer, in fact they were the usual points one gets.

The second disappointment came today, when my new card arrived and I created an account with Barclay to check my balance and see if the promised credit of {$250.00} had applied. Not only that it had not, but there was a hefty {$99.00} annual fee, a total of {$540.00}, instead of {$160.00}, as per their offer. The third and final disappointment, the activation telephone number published on the card and o
n the company 's website was not a working number and the main phone number to customer service was not working as well.

I called JETBLUE to seek their assistance as this " Bait and Switch '' marketing campaign is obviously a joint venture, the customer service rep transferred me to Barclay, despite of my warning that their phone numbers do not work and they did not work for the rep either.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> capital one state it I have a potentially negative balance with them of {$400.00}. I am in no contractual agreement with them at all. I have no knowledge of this account. My information was breached by XXXX XXXX XXXX and could be a direct result of the identity theft I experienced a couple years ago.
Product: Debt collection

I received a debt collection from Resurgent Capital Services who is also affiliated with LVNV Funding LLC for two accounts a Visa and MC in XX/XX/XXXX. I immediately called Resurgent and requested verification of the two accounts trying to collect on and was in turned asked for me to send proof the debt was not mine. I informed the individual it is not my role his company was reporting the debt and should validate. A day later I received notice from my credit reports that the two accounts were reporting on all three credit bureaus reports ( XXXX, XXXX  and XXXX  ). I immediately  sent a written letter requesting verification of the debts in XXXX within the 30 days debt validation. 

I received letter dated XX/XX/XXXX that appeared be system automated response ignoring my validation request informing me the information I provided was insufficient to support my claim. It was totally obscured. I sent a second certified request validation letter of which Resurgent in return sent a partial statement appearing to be restructured reporting the amounts in dispute but no further validation of debt, the agreement, their collection rights in my state, age etc as requested within my letters. They never stopped collection activities and removal of the accounts from the credit bureaus as per FDCPA requirements. It appears they intentionally send minimal information to prolong the issue with no intention to validate or delete from the credit bureaus. I have copies of all correspondences. 

I have written to all three credit bureaus and provided the correspondences as evidence and they have done nothing. They claimed the debts were validated. How could the debt be validated when I have not received validation? LVNV closed the accounts reporting on XXXX but did not delete them.
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 's 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. I explained to them that I did not receive my money and they said they could do anything about it.
Product: Debt collection

I dont have a JCPennys card. Thats my fathers account and Im attached to it and its messing up my credit because of money owed. You can see I have a 100 % on payment history on my credit report and I cant seem to get my dads card off of my credit report. I have never used the card. Is card for JC Pennys is closed and theres money owed on it. I need to be removed from his card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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

XXXX negatively reports info to my credit report that are identified as identity theft. They report an account for both XXXX XXXX XXXX and VERVE BANK OF MISSOURI and must delete these accounts immediately!!!! Per my rights per the FCRA!!
Product: Credit card or prepaid card

Since XXXX I have called Macys about my credit protection. I asked several times for the contact information and havent been provided the information. When ever I received a call I asked about the credit protection ( insurance ). Instead I always receive a letter stating that I requested they didnt contact me. I have asked several times for this to be corrected and each time information and no correction was done. On Monday XX/XX/2019 I had to make five calls, speak to a supervisor, and fake manager. Ive been told that I dont have credit protection and about a program that had nothing to do with what I was asking. When I finally got on the phone with XXXX she stated that I did have credit protection and apologized for the lies of the last representatives. She then began to tell me about other customers not having it and that had nothing to do with me. I asked for the number several times and then she told me I dont want it. I asked to speak to a manger but was transferred to an operations support specialist XXXX who claimed to a report for me and that he saw that Ive been requesting the information. He apologized and promised to look into that matter. XXXX was suppose to contact me and its been a week. Customer service informed me the extension and number that he gave me wasnt correct. I called today XX/XX/XXXX and everyone is acting as if they dont understand. Macys has fraudulent employees that pose as if theyre managers. XXXX didnt file a report or investigate the credit protection issue