23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

First contact was via phone on XXXX/XXXX/XXXX to inform them that I was denied a credit line XXXX XXXX, XXXX and that I have pulled my reports from all three bureaus to find fraudulent accounts opened in my name that are now derogatory. They instructed me to fax the documents to XXXX. 
I faxed the following documents : FTC ID Theft Fraud Affidavit City of XXXX Police Report I contact Equifax on XXXX/XXXX/XXXX to see if they have received the documentation. They informed me that they have not received the documents. I asked the rep to confirm the fax number to ensure I had the correct fax number. The rep confirmed it to be correct. I told the rep I 'd fax the documents again. 

I waited a few days an called Equifax on XXXX/XXXX/XXXX. They confirmed that the documents were received and that they started processing on XXXX/XXXX/XXXX. The rep gave me a confirmation number and told me the process can take up to 30 days. 

On XXXX/XXXX/XXXX, I received an email that the processing was completed. I reviewed everything to find that the XXXX Account ( Mortgage Fraud Account ), a few addresses, and inquiries were not removed. 

I immediately contacted Equifax to find out why and when speaking to a rep I found out that they are are still processing it. She insisted I contact XXXX. I explained to her that I did and found out they do not have a fraud department nor would provide me with the lenders direct contact information. 

I then sent certified mail with return receipt to Equifax on XXXX/XXXX/XXXX which contained a letter to update my personal information to the correct information, block the fraudulent accounts, remove inquiries due to fraud ID theft, to inform all creditors that issued credit in the past year that I am a victim of fraud and ID theft, and to remove me from all promotional mailing lists. The letter included the following : A copy of my passport ( Govt issued ID ) A copy of my car insurance statement ( To verify my address ) A copy of the FTC Fraud ID Theft Affidavit A copy of the Police Report A copy of the FCRA I did this to ensure that they had all documents to perform all the things requested and to understand that it is my consumer right to request this. 

Equifax received letter on XXXX/XXXX/XXXX. 

I called Equifax today, XXXX/XXXX/XXXX, to get an update. The rep told me that the items were removed. I told her I had an Equifax membership for unlimited report and score. I pulled a new report and score while she was on the phone. I explained to her that they fraudulent information is still there. I also explained to the rep that it 's been over 30 days and that TransUnion received the same documentation and was able to rectify the errors on the report immediately. The rep then offered an a promo code to purchase all three reports and scores at a discounted price to get exactly what is sent and seen by creditors. I declined the offer and hung up.
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. This lack of accountability and transparency is unacceptable and raises serious concerns XXXX about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company fail to investigate my dispute, they just sent the information to creditors without reviewing my statements. 
I have several issues with employees on this credit bureau. 
Spoke with supervisor and they fail to do what is required by FCRA.
Product: Mortgage

FILED BY XXXX : I applied for a modification with SPS and they have informed me that they were going to pursuit the foreclosure while going through a modification ....
Product: Mortgage

i currently have an application with the HAF Indiana. during this long process i asked PNC if getting amount past due deferred would interfere with my application in the future for assistance and was told no. well now i am almost to the end of the process. it has interfered and I am not going to receive assistance for deferred amount. i am so confused. i had to already sign off for assistance on homeowners ' insurance due to state farm did not do on boarding and now this. any information will be appreciated. i have emailed my housing counselor as well thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to XXXX XXXX and the credit reporting agencies for months disputing the incorrect reporting that XXXX has put on my credit reports. XXXX is reporting late payments for months after my account with them was paid in full and closed. I received letters from XXXX stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to XXXX to be sure that they received it. I have written to XXXX XXXX dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). XXXX absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with XXXX, Experian, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
Product: Credit card

On XX/XX/year>, XXXX XXXX charged {$1100.00} to my Barclays XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX for two flight tickets to XXXX. XXXX was the booking number. The flights were on XX/XX/year>. On XX/XX/year>, XXXX XXXX cancelled the flights. I contacted XXXX to request a refund on both tickets. I heard nothing from them and after many attempts was unable to get through to anyone despite holding for hours. I then contacted Barclays, because XXXX said that Barclays was servicing the credit cards. Barclays initially credited the refunds to the credit card account but then reversed the credit. At first, Barclays said that we cancelled our flights. I sent copies of the email cancellations and then a letter confirming that XXXX cancelled the flights. Then Barclays said that it would not credit the account because XXXX was not paying the refund to Barclays. I sent Barclays a letter from XXXX stating that XXXX had refunded the money to the creditcard holder which sure wasn't us. Then Barclays told me that they would not refund the one ticket. It was always two tickets to be refunded. I sent multiple letters detailing the transactions and cited 15 USC Chapter 41, Subchapter I, Part D : Credit Billing which covers services not delivered. Barclays refuses to refund the tickets and is apparently holding the refunds from XXXX.
Product: Credit reporting or other personal consumer reports

the company gave my non public information to a non affiliate company who used my non public information without my consent or knowledge.
Product: Credit card or prepaid card

Following up my latest complaint with CapitalOne which ended in receiving my money at a date over 30 days behind the maturity of my 90 days instrument- Im encountered embarrassing times of denial of accepting my Quick Silver Card while shopping. 

By trying to find an explanation by calling CapitalOne, I got nothing. Also, I tried to apply for another card with the same entity, which I well qualified for after presenting the necessary requirements of which it was finally uploaded successfully, after CapitalOne chose not to accept it, and requested another upload several times. Finally, I got a notification that my application was accepted. But later, CO reneged and demanded re-uploading my documentation. This is a clear abuse and intimidation.
Product: Credit card or prepaid card

I placed a {$350.00} internet order with my with XXXX Synchrony credit card on XX/XX/XXXX. That order was never received despite XXXX indicating that it was. I tried to contact the store via their customer service line over the next 4 days to resolve the issue, and each time I was promised a call back from the store manager within 24 hours. That call never came. 

On XX/XX/XXXX I contacted the credit card issuer Synchrony Bank to dispute the charge for non-delivery. On XX/XX/XXXX XXXX provided to Synchrony as delivery 'proof ' a screenshot of their system saying the order was delivered, which Synchrony accepted. 

On XX/XX/XXXX I resubmitted the dispute indicating that no real proof of delivery had been provided ( e.g. a delivery signature, or a picture of the item delivered on premises ). On XX/XX/XXXX XXXX sent the same screenshot of their system indicating delivery, and Synchrony bank accepted this again. As of XX/XX/XXXX I am currently in the process of disputing this charge for non-delivery a third time. 

This was a very large, palleted item to be delivered on a flatbed truck, I was home and there are security cameras all over. This wasn't a case of theft off my property. I've been a customer with Synchrony on this card since XXXX and this is the first time I've disputed a charge.
Product: Bank account or service

Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points by XXXX 2016. I have not received the points yet. I made attempt to ask Citi to honor the agreement, but to no avail.
Product: Debt collection

CONSUMER ADJUSTEMENT CO. ORIGINAL CREDITOR IS XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) THERE ARE 2 SEPARATE COLLECTIONS ON MY CREDIT FROM THE SAME CREDITOR I TRIED TO CONTACT/DISPUTE THAT DID NOT HELP AT ALL COLLECTION WAS REMOVED AT ONE POINT AND CAME BACK ON MY CREDIT WHICH IS RIDICULOUS. 

NEVER RECEIVE ANY FORM OF CONTACT FROM THEM
Product: Mortgage

XX/XX/2023 I XXXX, sent lawful money orders in the amount of {$5000.00} to Mr Coopers overnight processing center at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. On XX/XX/2023 my green certified return receipt was returned to me. Approximately the XXXX or XXXX of XXXX I received a call from one of their agents named XXXX, he informed me the call was recorded so its on record. He informed me my forbearance was up and it was time to make a payment, so I XXXX gave the agent the tracking numbers to the money orders and he informed me that they did in fact receive the money orders on the XXXX day of XX/XX/2023 at XXXX. He was very helpful and assured me that they would get to the bottom of it, they know they have they payment and would credit my account since it was an error on there behalf of the company for the amount listed above. I sent the receipts in to email provided which was said to no be received. I was then contacted by XXXX whom I explained what happened I asked if she would honor what the last agent said as far crediting my account for the {$5000.00}, she also assured me she would, as she woukd investigate before hand, she also informed me that the money orders were cashed and may have been placed in the wrong account. I sent her the copies of the original receipts to her XXXX. @ mrcooper.com on the XXXX day of XX/XX/2023. 
Both agents agreed to to credit my account for the amount of {$5000.00} which was indeed cashed and then not applied to my account after I provided the evidence which they needed. 
Now neither Agent is honoring the word word is bond and notice to agent is principal.

Not only are you not honoring your word but in the middle of a payment dispute Mr copper issues a notice for foreclosure.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2024 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( 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. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Payday loan

XXXX I started falling behind on XXXX payday loans.I got on the internet and started looking for a payday resolution company that could reduce my payments so that I could continue to pay and I wanted to pay because I did owe so I saw global client solutions and I called and got information about their program the man that I spoke to told me what to do and I did.the first thing he told me to do was close my account and I did and it cost me almost XXXX $ .he told me the program was either 8or9 months I pick which one I want and that they would stop the interest and split my payments in half and that they would set up me an account and hold my funds until they could reach a settlement with the lenders.I asked him would the lenders continue to call me once I hire them he told me no.I found that to be a lie very soon and when I called him about it after my second payment he got a attitude with me.I felt something was wrong then.well global took the case then they turn it over to XXXX XXXX they are the ones that are suppose to settle your account with the lenders but I kept getting letters about my loans saying they were not being paid on at all they debited my account for three months for XXXX which totaled XXXX they told me they had settled XXXX account for XXXX that was a lie they told me they were paying on my XXXX loan for XXXX only to find out they have paid no one I filed a complaint with FTC and since then I got a email saying I 'm not do a refund from larger consulting group because of all the fees.but global client sent me a courtesy check for XXXX for all fees paid to them.they advised me not to contact them any further only contact larger consulting.please help
Product: Credit card or prepaid card

I have a synchrony/ amazon card that I have had and used monthly for a year now. I paid my card off in XX/XX/XXXXand did not use it at all in XX/XX/XXXX. XX/XX/XXXX I did use {$150.00} on that card with a payment due date of XXXX XXXX 2017. I went to make a purchase of {$40.00} last night using my amazon/synchrony card and it denied. I logged into my account and noticed that I had {$1.00} available to spend and my credit limit was {$160.00}!! They decreased my credit limit to just above what I owed on the card. I checked my credit score and Synchrony doing this made it look like I had maxed this card and dropped my credit score by 50 points! No letter or phone call that this was taking place. I have 3 other synchrony based cards that are all in good standing so I am confused as to how they can do this to people? I have had no late payments on my credit report or maxed cards which I know they will try to push. Not the case
Product: Debt collection

When XXXX XXXX XXXX can't honor their own warranty and XXXX XXXX  to replace a phone. It's on XXXX XXXX XXXX not the Customer. ERC XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX is a Fraudulent company that has already ruined my credit and refused to work with XXXX XXXX XXXX. XX/XX/2021. ERC was reported to the IRS for Felony Wire Tap Fraud and Embezzlement Charges. FCC Was contacted. FBI contacted. Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit card or prepaid card

I tried to use the card in XX/XX/XXXX. At that point it was declined and I realized the card had expired in XX/XX/XXXX. Contacted company XX/XX/XXXX ; they claimed they sent a new one out so they reported it stolen on my credit report and stated they would send out another. I never received the card so I called back XX/XX/XXXX about 2 weeks later they said it takes 3 weeks. Waited again till XX/XX/XXXX then someone told me it would take up to XXXX weeks and some days they will order another. So for the past 2 months I have been charged a {$12.00} account fee and I havent had a card that I could use actually since XX/XX/XXXX. I tried to get the fees reversed but they refused. This is really wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these hard inquiries on my XXXX credit report
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with First National Bank of Omaha on XX/XX/2022. I was sent a denial letter stating Our records indicate that you have recently applied for an additional credit card account with our bank. The denial letter reason does not pertain to the information contained within my credit reports. Therefore, a credit report inquiry was not warranted.
Product: Prepaid card

I received XXXX {$150.00} American Express digital gift cards as XXXX gifts, so {$300.00} in total. These cards are essentially impossible to spend. I can not add them to my digital wallet or to paypal, XXXX will not accept them, and since they do not have my name on them or a billing address I haven't been able to shop online with them. I also can not use them in person, unless I were to have a cashier type out the entire card number but these cards have holds too so they usually decline. 

I was only able to list one card number in that section so here are both of them : - XXXX - XXXX
Product: Credit reporting or other personal consumer reports

The company has communicated that the account in question is classified as Unverified. By legal standards, all account information must be verifiable and completely accurate. If the account in question is indeed unverifiable and inaccurate, it is imperative that the reporting be removed in its entirety. 15 U.S. Code 1681e ( b ) : requires that consumer reporting agencies ( CRAs ) must " follow reasonable procedures to ensure maximum possible accuracy '' when preparing credit reports.

Please view the company 's response below.