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

On XX/XX/XXXX, I contacted a XXXX  post for 4 XXXX Game Basketball tickets. The contact had a phone and name associated to his XXXX  post, so I texted him at the given number. After texting back and forth and getting on a call with XXXX ( his name ), He asked me to send the money, {$2000.00}, through my XXXX  XXXX XXXX XXXX account. I sent this money while we were still on the phone, and he was going to e-mail me the tickets. When he received the money he said that he was losing service and would call me back. When he did not call back within a few minutes, I tried dialing him back, and the number had been disconnected. I never heard from him again and never received my tickets. Based on the account information he gave me, the XXXX transfer sent the funds to his CitiBank account. I called XXXX XXXX XXXX ( my bank account ) right away to cancel the pending funds, but they only advised that I open a claim. The claim came back as unable to retrieve funds, so I am opening this ticket.
Product: Payday loan, title loan, or personal loan

I have been waiting for my title pink slip to be returned to me long ago after I paid the loan off, as a Disabled Veteran and elderly person the company had no idea where it is? 

The Calif. DMV said that the company has a history of failing to return title loans after they are paid off.
Product: Debt collection

I need to report identity theft. I already contacted the credit bureaus and the companies associated with the closed accounts that were in my name. I did not authorize Capital One in the amount of {$2000.00}, date XXXX closed XX/XX/XXXX nor XXXXXXXX XXXX in the amount of {$2600.00}, date opened XX/XX/XXXX closed XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i received result of a disputed item ( XXXX Account ) from Experian that is included in my identity theft report from identity theft.gov that was uploaded for mentioned dispute along with other documents for this. I have called the Experian customer service phone number to verify reason of the result being verified as mine and updated and rule XXXX not being followed. I was notified via multiple agents that the identity theft report was not accepted by the fraud department because it is the incorrect one and that it is filled in incorrectly, was also indicated that it is with apparently with a red mark/note simulating a warning in which the warning was not disclosed yet the bureau has not informed me at any moment that the identity theft report has not been accepted through any form of communication ( email or postal ) and dismissed the dispute as verified and updated. Ever since this dispute in XX/XX/2021 the dispute center in the Experian website when accessed with my logging information it reflects a " Technical Difficulty to access my report '' i have called multiple times to verify about this and have been given multiple different answers from the " i don't know '' to the " we will inform a supervisor to give you a call back ''. This is a violation of my rights of having access to correct my credit report. The identity theft report i have provided is the very report that one is given via IdentityTheft.gov this report I have submitted to XXXX  and XXXX  and they have done their due diligence and have accepted it with no issues. This has to be corrected immediately and this issue has also been forwarded to the Attorney General in my state due to this violation of my rights in the FCRA, and the inefficiency in how the Experian Credit Bureau manages an identity theft victim by blocking my disputing right to correct my report and not even communicating via any form ( email or postal ).
Product: Debt collection

I have asked repeatedly to have this item removed from my credit reports. It has not been, other than verified and it does not belong to me, nor have I received any correct documentation that it does. When I called the number they harassed me and would not answer my questions other that repetitively asking me to pay the debt that does not belong to me.
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 that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2022, I attempted to send {$1000.00} to recipient XXXX XXXX via Paypal. The money ( {$1000.00} ) was subsequently removed from my XXXX bank account and forwarded to the wrong email address for the recipient. I did not designate the address utilized by Paypal for the individual who received and accepted the funds in question.
Product: Debt collection

The XXXX is XXXX The text : [ REGIONS ]. : Your Check-Card/Debit is bIocked, due to abnormaI behavior. 

Review at https : XXXX to resolve. 

Reply STOP=stop, HELP=help
Product: Debt collection

I disputed the debt in writing with the company once it appeared on my credit report. I previously had not heard anything about the bill. I found when they send me a copy, that the hospital failed to bill my insurance and also had incorrect address information in their system. The hospital has since admitted fault and has written off their portion. TSI has closed the account based on my communication, but it still remains on my credit report, which is effecting my credit score by more than 100 points.
Product: Credit reporting or other personal consumer reports

ACCOUNT IS IN LITIGATION I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX XXXX XXXX XXXX Check XXXX GXXXX XXXX XXXXXXXX XXXX XXXX has ILLEGALLY sold debt to XXXX XXXX XXXX XXXX and is in direct violation of 15 U.S.C., Sec 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Sealed Affidavit has been sent to both companies with no response which will now result in criminal charges being filed against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with various legal entities including, but not limited to, the Federal Bureau of Investigation ( FBI ) and the Internal Revenue Service XXXX XXXX XXXX XXXX IRS XXXX ) to investigate the possibility of criminal activity including, but not limited to, violations of the FAIR DEBT COLLECTIONS ACT. Upcoming court dates will be sent to both parties to resolve this matter expeditiously.
Product: Money transfer, virtual currency, or money service

there were numerous time ive tried to get in contact but no response cashapp is the name of the company there was reports of scaming of my account money automatically disappearing out of my account for no reason but i dont have the dates but i always keep my card locked but it just keep happening the most amount that was took from the account was XXXX XXXX dollars so i do need this looked into thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX/ From original Creditor XXXX  placed a collection on my TransUnion report for {$490.00} ( They reduced it later to {$490.00} ) This Collection is not accurate for 2 reasons : 1. I had an account with XXXX  which I terminated XX/XX/XXXX after a 6 month agreement I completed. They tried to continue to charge me saying I had a one year agreement which is false, for which I disputed and got my money back from my XXXX XXXX Account. 
2. This account is violating my rights under the Statue of limitations because it was wrongfully reported as a new collection on XX/XX/XXXX when this was an account closed XX/XX/XXXX ( 7years prior ) which will make it now 8 years old for which even if it was a legitimate collection ( which is not the case ) it will be removed because it is 8 yrs old. 

I disputed the above collection to TransUnion and on XX/XX/XXXX they reported as investigation results that it was verified as accurate and that it will not be removed until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQ FROM MY CREDIT REPORT ITS NOT AUTHORISED I am taking this matter seriously and expect immediate and forthright action on your part.Under 15 U.S.C. 1681i ( 7 ) Method of verification these Inquiries are in violation should not be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a line item on my Equifax report. There is a charge of {$37.00} from XXXX XXXX XXXX. I always paid my dental bills at time of service and insurance also paid the bills. This is a fraudulent claim. If necessary I will file an action in state court for slander of credit. This claim was reported on XXXX/XXXX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my information to open cards and it is not me. Now a collection company is threatening me that they are going to file charges on me. But I have never had a hsbc credit card. I think I know who is doing it. I just need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian LLC The month of XXXX and XXXX, Experian continues to report an incorrect address on my report and shows verified by a creditor. Not my accurate information, but info deemed accurate by an agency and not my accurate credentials.
Product: Mortgage

XXXX is my yearly escrow analysis, If there's an overage or shortage. I am notified and given the option to pay the full amount of the shortage or spread out over 12 months. I was never notified of the shortage amount or giving any options to pay the difference. On XXXX I made my normal payment of XXXX and according to Rushmore website the same day a shortage in the amount of XXXX was also applied XXXX. On XXXX according to XXXX my new payment is now XXXX a difference of XXXX. The increase in payment is due to insurance and taxes buts it's not in the escrow shortage. Which doesn't make sense to me. Because i thought the escrow is for the tax and insurance which increased in the amount of XXXX. I spoke to several representatives at XXXX both XXXX and XXXX and no one could explain this to me. They said my shortage was only XXXX total. and i already paid that in XXXX and XXXX they couldn't confirm if this is a monthly fee or total. Couldn't explain the increase in monthly payment all they said it was from tax and insurance increase, but it not included in the shortage amount and i ask her if my terms and agreement changed because it was always included in my shortage amount and i paid the difference keeping my monthly payments the same every year ... Again no one could explain this to me.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX XXXX  ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have precise dates of communications between myself and Equifax, as I did not realize this was going to become such a problem. 

In Spring of XX/XX/2018, I received an unprompted letter stating that my current address has been changed. They stated that my new address was my previous address. This was inaccurate and I had not requested the change. 

I called Equifax to inform them that they had erroneously changed my address to an old address. I spent 30 minutes verifying my identity. The woman on the phone wanted every credit card balance I had and every mortgage payment amount ( I am in investor so I have quite a few ). This required me to log into various accounts to get this information. After she verified my identity, she said, " Please mail a copy of your driver 's license and social security card to <XXXX XXXX> with a cover letter stating the change you are requesting. '' This was a bit irritating, as I had already told her what I wanted, and wondered why she couldn't just take care of it, but I didn't say anything to her about it and did as I was told. 

I considered the matter done. Until I got a letter in the mail stating " The identification you provided does not match our records ... Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number.. '' That's what I had ALREADY DONE. 

On XX/XX/2018, I sent another letter with my driver 's license and social security card. This time I enlarged both documents to take up an entire page and included the original cover letter. I also added a note that said, " This is the third hoop I have had to jump through to fix your mistake. I did NOT request that my address be reverted to my previous address. If you do not change it back then I will submit a complaint to the CFPB. I am taking no further action on this. Fix your mistake. I am done. I hope these documents are big enough for you to read this time. '' Again I considered the matter closed. However, I received another letter dated XX/XX/XXXX from Equifax. It was the exact same letter, requesting my driver 's license and social security card. I have not been able to reach them by phone because they want some claim or file number and I have no idea what that is. 

At any rate, I want to shift the burden from myself to them. Their system made an error and they should put the burden on themselves to fix it, not on me.
Product: Credit card or prepaid card

Until recently, I was unaware I could file a complaint for the reason described below until I was told by my financial advisor, hence my delay in doing so.

On XX/XX/XXXX, I received a denial for credit from XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX, XXXX, DE XXXX ) for an XXXX Visa Signature credit card ( reference # XXXX ). 
The reason cited was : " Not enough accounts opened long enough to establish a credit history. '' At the time, I had the following credit card accounts opened : 1. ) XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX - Opened since XX/XX/XXXX 2. ) XXXX XXXX MasterCard - Opened since XX/XX/XXXX Further credit account entries on my credit report were 1. ) XXXX XXXX account - Opened since XX/XX/XXXX XXXX. ) XXXX XXXX loan account - Opened XX/XX/XXXX All these accounts had been opened several years at the time of application. 
I was given additional ways to expand my credit history, such as car loans, mortgage housing, etc., all of which I already possessed at the time of application so this decision was really not at a negotiable point. 

Of Note : 1. ) The credit limit for the XXXX / XXXX XXXX XXXX was increased twice on the credit report received by Chase Banks at the direction of my credit card company who did so based on my timely payment history. 
2. ) The credit limit on my XXXX  was increased again after this credit denial, again at the behest of my credit card company. I have a history of never making late payments on anything, as shown by my credit report. 
3. ) Given that the other companies named above issued credit to me as well as my excellent credit history, Chase 's faulty denial of my application was arbitrary and based on unrealistically high criteria of expecting even further credit accounts for consideration. 
With my credit status as it is, It is doubtful that many people could actually obtain this Chase card, that is if Chase underwriters are actually using consistent criteria. 
4. ) As this account offering was made on XXXX and was instantaneous, it is highly suspect that I could have been rejected that quickly. However, XXXX offers " gift cards '' should the applicant be denied within the same transaction. 
The offer also states the applicant would receive {$50.00} off their first purchase if credit is approved. This is consistent with a bait and switch scheme so this might also be reportable to an additional government agency ( i.e. Federal Trade Commission ). A credit card offer is still on XXXX 's website. 

Please feel free to contact me should you have additional questions.
Product: Checking or savings account

After filing a dispute and them filing giving me an update after XXXX days of the dispute I was told that I was the one that made the transaction when I wasnt the XXXX address that they are going off of isnt mines and also have proof that I dont use XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company " XXXX XXXX XXXX '' for information regarding a vehicle loan for the XXXX XXXX XXXX that is reporting on my credit report as charged-off. XXXX advised that they could not provide any information, that I would need to contact the company collecting on the debt, which is XXXX XXXX, however, this debt is still reporting under " XXXX XXXX XXXX. '' I reached out to XXXX Acquisitions multiple times to request verification documents for the debt and was told I was not listed as the owner of this debt, but the primary applicant of the car loan was.
Product: Credit card or prepaid card

I received an unsolicited prepaid debit VISA Reliacard in the mail XX/XX/XXXX from US Bank. I did NOT activate the card. I tried calling US Bank to cancel the card but havent been able to reach an agent. The card has my name ( without middle initial ) and was mailed to my current address. 
Searching online revealed that there is fraudulent activity going on with these Reliacards that are being used for unemployment payments in Colorado. I dont and never have lived in Colorado. The only time I was on unemployment was in XXXX. 
I received an early retirement package from a large company in XXXX and now I am a XXXX  XXXX  XXXX. I recently worked for the XXXX XXXX XXXX but no longer work there. 
There was fraud on two of my XXXX  account debit cards in the past year. Both cards were issued to my husband and were activated but never used. Both were cancelled after working with the bank ( not US Bank ) to clear the fraudulent charges.
Product: Debt collection

The company name, XXXX XXXX XXXX its a robocall whom of which i have no idea what there calling for. They call almost everyday and its very inconvenient. And sometimes very disruptive. I believe they are calling for someone whom is deceased, and i can not help them with what they are calling for. I need them to please stop and lose my number, they are calling. Private home phone and being very disruptive. I personally dont do any business with chase,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

I have had multiple XXXX transfers from my account that was not authorized by myself and was never able to receive the money back.
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me and were not authorized by me, have severely affected my financial well-being : Inquires : 1.Account Name : XXXX XXXX XXXX 2.Account Name : XXXX ( Finance ) 3.Account Name XXXX XXXX XXXX  ( Finance ) COLLECTION Account name : XXXX XXXX XXXX Original creditor:XXXX XXXX XXXX XXXX XXXX Account number : Balance : {$230.00} Open date : XX/XX/XXXX XXXX  The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter. I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA. I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation. Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I experienced Identity theft in 2015. I reported the theft to all credit reporting agencies. I sent copies of police reports to all business that had been effected. This company Trident Asset Management I spoke with on the phone twice. They received police reports at that time. They are still reporting on my credit report, even after several disputes
Product: Debt collection

Received a spam email from a collection company by the name RPM in XXXX WA. I mailed a certified XXXX debt verification letter XX/XX/23 and as of today no reply. On XX/XX/23 I received another spam email for a collection of the same amount from a different collection company, it appears they can not verify debt and just sending from collection company to another. As of XX/XX/23 another debt verification letter was mailed USPS Certified to Waypoint Group asking for verification. I will be notifying the FTC and Texas State Attorney Generals office of these tactics.