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

On XX/XX/XXXX I was scammed on XXXX and sent {$100.00} through Zelle from my XXXX account. I quickly realized it was a scam, and in that same hour I called XXXX, before the money had officially left my account to dispute the transaction, the XXXX representative on the phone said there was nothing they could do as long as the transaction was pending, and to call back in a couple of days because once the transaction went through then they would be able to recover the funds. I called as soon the money went through, and this time the representative on the phone said the exact opposite, that there was nothing they could do as the money had already been transferred and that I should have tried to recover it before the transaction was posted- which I explained that I tried to do so, and that I was advised to wait. At the end they informed me that recovering my lost funds was impossible and tracking these sorts of transactions was not feasible. Both Zelle and XXXX have failed to protect its costumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Accounts were opened fraudulently and Im a victim of a data breach as well. 

Please see resolution for accounts that need to be removed..
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX Account number : XXXX {$4200.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon retrieving my credit report to my surprise I noticed an inaccuracy. 
It was a COLLECTION account XXXX acct # XXXX reporting that NOT ONLY AS AN OPEN STATUS, BUT ALSO A PAST DUE AMOUNT of {$1100.00} It also is showing I have a 1 month term with a no monthly payment .which I have not signed a contract for. Not accurate According to the FCRA I have the right to an accurate credit report. I sent a certified letter to Experian about this on XX/XX/2023 which they received on XX/XX/2023 and asked them to remove this item due to inaccurate reporting ( a collection account cant have an open status and a past due amount reporting On my credit file.
Product: Credit card or prepaid card

Three credit cards were opened using home address with three different names. All three credit cards received in mail on XX/XX/22.
Product: Mortgage

complaint involving fay servicing - I fell behind on my mortgage and filed bankruptcy chapter XXXX ( with a lawyer was informed to start making a fresh start XX/XX/XXXX and that my XXXX payment was included in the bk cp XXXX case. After discharge i received a bill from fay servicing showing doubled for XXXX and XXXX. I've called fay servicing multiple times requesting research and correction to my acct. Last call was around XX/XX/XXXX rep said he would send a pencil ledger to my case manager. I haven't received a call back as of yet but in the mean time fay servicing filed a motion for relief on my home. i have brought my account all the way current but they are still saying i am behind. i have all my payments which where made by check so i have my bank transaction history to fay servicing to provide. I fell they are misleading and it's not fair to me also i feel like they are eager to take my house instead of correcting the issue and they keep charging lawyer fees on my statement but won't address my issues.
Product: Checking or savings account

On Monday XX/XX/23, I realized all my three ( 3 ) chase bank credits cards that I have/had for the past nine ( 9 ) years keep declining anytime I make a purchase or payment. I checked my chase bank mobile app only to realize all my credit cards is closed if no notification, email or information. I called chase bank customer support and I was transferred to six ( 6 ) different departments or people only to be told by all of them that they dont know why or have no answer for me. 

Tuesday XX/XX/23, I waked up and realized my chase bank accounts ( checking and savings ) is closed too. I again called chase bank customer support all day with no one able to tell me the reason or why all my accounts and credit cards is closed. I finally got to someone who told me that chase bank has decided to end the banking relationship with me and he cant tell me why but I have to wait for 7-10 business days for letter from chase bank then after someone will call me and later send me check of whatever money I have in my accounts. 

Just like that with no reason or explanation to they take my financial life away without thinking of how I feed my family, how I will pay my bills. How do I survive till the 10 days I receive a letter with no explanation or reason.. I havent committed any fraudulent activity or fraud, just like that J.P. Morgan chase bank just shut my life off with less than 5 days to the end of month. 

I have never in life felt so helpless, I dont even know what to do, who to talk to.. Im never late on any payment on all my credit cards, I never been in anything relating to fraud.. They just dont care!! All they tell you is wait for 10 business days for a letter.. like how?.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX CA Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

We are currently in Bankruptcy and our mortgage was transferred from XXXX XXXX to Caliber Home Loan in XX/XX/XXXX. We pay an interest rate 7.13 % on this mortgage, however when we receive our yearly XXXX tax form for XX/XX/XXXX from Caliber it was for the amount of {$15000.00} for that year. Caliber just starting letting clients in Bankruptcy receive mortgage statements and have access to their statement online accounts. On this first mortgage statement Caliber stated ( recently paid interest ) {$31000.00}. But this is not the amount on our XX/XX/XXXX ( XXXX ) tax form and they had not posted 3 months of payments to our account online at that time and still show XX/XX/XXXX payment due when we are current. I am making this complaint about Caliber Home Loans, because I feel the interest rate being reported to IRS is not accurate and in their statement they are adding unexplained fees past amount when the mortgage payments are being made each month in full.
Product: Credit card or prepaid card

I was going through the credit card online spending summary on XXXX XXXX that's when I noticed a series of transaction that I did not execute : 1. XXXX {$210.00} XXXX XX/XX/XXXX ) 2.  XXXX {$440.00} XXXX XX/XX/XXXX ) 3. XXXX {$4.00} ( XX/XX/XXXX ) 4. XXXX XXXX   {$120.00} ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX {$77.00} ( XX/XX/XXXX ) 6. XXXX {$250.00} ( XX/XX/XXXX ) On the same day ( XX/XX/XXXX ) I communicated to the bank and raised a dispute of all the above mentioned charges. I also went to the extent of contacting all the merchants via email and letting them about the transaction and requested them not to proceed with the shipment ; and where the shipment was out of their warehouse I asked them to put a hold on the delivery. To my surprise, all the merchants asked me to work with the bank and they were not exploring the option of holding back the shipment. 

While working with the bank, my credit card issuer, I had to contact them multiple times asking the team to post a temporary credit to reduce the credit card outstanding amount so that I only pay the charges that I recognize. 

Fast forward, it is XXXX and today I checked to see the status of the disputes. I was surprised to see the first disputed charge {$210.00} was closed in favor of the merchant. 

My credit card issuer is Citi bank and as this is an online fraudulent transaction I would expect the issuer to pick up this charge and treat is as fraud loss, not to bill the customer. Ideally, I would expect customers to be notified if there is an odd purchase, for instance, XXXX  is a XXXX website, and going by the transaction history I have not bought goods/services outside of US I would have expected Citi to flag this transaction. Such operational control would have prevented the fraudulent activity in first place.
Product: Student loan

My previous complaints about original student loan Servicer, AES/PHEAA must have been too complicated for them to understand, so I will keep it clear and simple task and request I want them to do. 

I want AES/PHEAA to provide me proof, and not their own letters, or documents, as theirs are absurd and untrue XXXX, that these loans are mine. 

Original loan documents, from XXXX XXXX XXXX XXXX, My College, Federal Government, as they are require to maintain such documents on my ORIGINAL LOAN IN XXXX, not the XXXX consolidation loan, the ORIGINAL loan in which they are/were the original servicer. 

As they proved past 8 months, and searched for 3, they have no such documents as I know they do n't exist, so I want them to write off their {$25000.00} profit they made off these loans do their job and cancel these loans, and return my money. 

I have contacted XXXX XXXX XXXX, Secretary of Education, and provided her copies of our communication, as attached, proving AES/PHEAA statements are not only untrue, but outrageously absurd at the same time. 

They say they did n't have loans after XXXX, yet they sold them to 2 different Loan companies in XXXX, and re aged a student loan from XXXX, that I paid off over 25 years ago, and included it as well when they sold these loans. 

If I do not get a favorable response from XXXX XXXX XXXX she is aware I will seek legal action against her, and AES/PHEAA.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX FTC Complaint Number : CFPB Complaint : XX/XX/XXXX Subject : Formal Dispute and Demand for Immediate Resolution of Fraudulent and Erroneous Credit Reporting To Whom It May Concern, I am formally disputing significant inaccuracies in my credit report and demanding immediate corrective action. My credit score has unjustly dropped nearly XXXX points due to a fraudulent XXXX XXXX account that has been reported and updated monthly. I previously submitted a notarized affidavit proving I am a victim of identity theft, yet Equifax continues to allow this fraudulent account to damage my credit profile. 

Additionally, I am disputing the balances reported for my XXXX XXXX and XXXX XXXX credit card accounts, both of which have a XXXX balance. These reporting errors are unacceptable, and I demand they be corrected immediately. 

Equifax 's continued failure to address these issues mirrors past cases where plaintiffs prevailed against the company : XXXX XXXX XXXX Equifax Information Services, LLC The plaintiff won over {$180000.00} after Equifax failed to correct errors despite repeated notifications. 


XXXX. XXXX v. Equifax, LLC A {$60.00} XXXX settlement was awarded due to failure to properly handle disputed information and identity theft claims. 


XXXX. XXXX v. Equifax Information Services, LLC The plaintiff secured damages after proving Equifax negligently maintained inaccurate credit reports that led to severe financial harm. 



These cases underscore the legal consequences of failing to fulfill obligations under the Fair Credit Reporting Act ( FCRA ). Your continued negligence in resolving these inaccuracies not only harms me financially but also exposes Equifax to further liability. 

The accounts in dispute are as follows : XXXX XXXX Account : XXXX, Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX Balance : XXXX {$200.00} Fraudulent Inquiries : XXXX XXXX Attached, you will find : My notarized affidavit proving identity theft. 

Supporting documentation, including my FTC and CFPB complaint records, Social and ID. 


I urge Equifax to immediately : 1. Remove the fraudulent XXXX XXXX account & XXXX XXXX 2. Correct the balances on my XXXX XXXX and XXXX XXXX credit card accounts. 


3. Update my credit report and reflect the corrected score.

You are required to provide a written confirmation of your investigation and resolution. Failure to address this matter promptly will leave me no choice but to pursue legal remedies, including filing a complaint with relevant authorities or initiating a lawsuit for damages. 

I expect full resolution of these issues within the timeline mandated by the FCRA. 

Sincerely, XXXX XXXX
Product: Credit card

Dear Capital One : This letter is to confirm that I wish to close Quicksilver account ending in XXXX because of the low credit line and lack of credit line increases. Please report to all consumer reporting agencies " ACCOUNT CLOSED PER CONSUMER REQUEST ''.

Thank You XXXX XXXX
Product: Credit card

I received a bill from Kohl 's Capital One about a week ago ( today 's date is XXXX ). I never ordered a Kohl 's Visa card. I did make a purchase at Kohl 's and tried to use my regular Kohl 's store card, but they said it had expired. But they said no problem, they would update my card. I didn't really think much of it at the time, but when I received a bill on my Kohl 's Visa, I called Kohls and asked why I had been given a Visa card when I never authorized it. They told me that all Kohl 's store card holders had been switched to a Capitol One Visa because they now partner with Capitol One. I told them I never wanted the Visa card and suggested it was most likely illegal for them to make that switch. They said they would change my card back to a regular Kohl 's store card but that it would be in the Capitol One name. They said it would not be a Visa card - only a Kohl 's store card. I asked how I was to pay my Visa bill since it was due in just four days. They said the only way I could pay it was to give my checking or savings number for an automatic payment. I gave them my checking account number ( reluctantly ). I really feel strongly that the CFPB should look into this. How is it legal for Capitol One to switch my Kohl 's card to a Visa without my permission. And they said all Kohl 's card holders were switched! I would like to know if this is legal.
Product: Debt collection

Despite acknowledging and removing the fraudulent account by XXXX, XXXX, and XXXX, TransUnion has not taken action in my year-long dispute. I urge them to promptly correct this mistake and remove this account, as it's causing substantial harm to my credit and financial well-being.
Product: Checking or savings account

On XX/XX/11 my phone and wallet was stolen from me and my car and was used to make a purchase for {$3200.00} at a XXXX in XXXX. Once noticing the charge I immediately called SoFi bank and spoke with a rep to get the charge removed and the cards cancelled. And they filed a dispute on my behalf. I spoke with XXXX and SoFi throughout the day, asking for footage of the transaction time and as well as asking for SoFi to communicate with XXXX and giving them the direct number to contact them. XXXX was never contacted throughout this. I submitted evidence as well showing my gps locations throughout the day of XX/XX/11 to show I had not went to a XXXX by XXXX XXXX that day. The claim was closed almost the next day. And SoFi claimed to contact the merchant, but, and I have recorded evidence of this, when i spoke with the XXXX team they had no contact from anyone at all. Ive submitted a police report as well for this matter. Also when looking at the resolution email response, the transaction id, amount, and case number are entirely different then what I originally was presented with. The disputed amount now only shows {$3.00}, instead of {$3200.00}. Please assist. Someone was able to take my phone and change my PIN code via the SoFi app with no issue, and called over the phone and impersonated me and used my info to send out another card and to change the pin again and to give it XXXX XXXX access. I was rudely told over the phone that I would be unable to send in documents until the back office team gives me the chance to, I asked how can they come to a decision if there is no evidence they can view and I was told oh well thats not within my scope to answer and got hung up on immediately. Unprofessional experience
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like XXXX XXXX. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Credit reporting or other personal consumer reports

Equifax is reporting an inaccurate payment history on my consumer report. I have sent multiple letters regarding this matter including a letter asking them to send me their METHOD OF VERIFICATION, they did not send me the method of verification showing that they actually spoke to someone, and they verified that the payment history for the account on my consumer report under MISSISSIPPI DIV OF CHILD is accurate. Equifax keeps sending the same thing claiming that the account is " verified as accurate '', they have also sent a letter back stating that they " could not find my consumer report on file '' even though I have sent in documents proving my identity and residency already. Since Equifax can not give me the proper Method of Verification showing that this account is 100 % accurate according to the FCRA this account should be deleted from my consumer credit file. The payment history is INACCURATE and the other two credit bureaus have deleted this account already.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act 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 furnish a account without my written instructions
Product: Credit card

Transfer BalancesDiscovercard - when you transfer balances from other cards to Discovercard they have a low rate for a period of time XXXX, but when you make payments they apply to the transferred balance and not the pervious balance on the card which is XXXX .... so there is actually an increase in interest rate to XXXX which is unfair and a fraud type of transaction. 
Al payment should be applied to the older balance due - first in first out. This practice was not disclosed .... the Company when called, says they have to do this by law which is false!