23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

If you look at my account in XXXX, I had a XXXX balance. In XXXX somebody had found my card and decided to use it without my knowledge without my permission. I am mediately called you. I reported every transaction in XXXX. Let me repeat that I reported every single transaction in XXXX as fraud. I was told not to worry about it you had marked everything is fraud and you were going to investigate. Two months later I received a letter from you stating that the fraud investigation had been resolved and Im not responsible for anything. For some reason I have a balance of {$2400.00}. You have been charging me interest for the fraudulent transactions which Im pretty sure its against the law. Youve also charged me the late payments for the fraudulent transactions again pretty sure thats against the law. Im not sure if youve increased my APR or not to a penalty rate because you claim I am behind. First time I called today I was speaking with a woman. I explained that I had a XXXX balance. Then I had fraudulent charges after they were investigated. I should have a XXXX balance, but I dont for some reason. She put me on hold and then hung up on me. I called back. I got a gentleman this time who was clearly confused by what I was saying. It seems so simple. Its obvious that you have not credited for me and I shouldnt be charged interest in late fees on a fraud investigation. He put me on hold multiple times then tells me I should contact customer service keeping in mind that I spoke with customer service and they were the one that transferred me to the fraud department. The fraud department wanted to transfer me back to customer service. The automated system said that the call is being recorded and monitored or maybe the agent said it was being recorded and monitored. If thats actually true, you should go back and listen to this conversation. Im being is polite as patient as simple as I can be, and Im clearly confusing the guy With all due how did this guy get his job? Hes really nice but clearly is clueless as to what hes doing.
Product: Checking or savings account

Used my Serve card as a deposit for a hotel room on XX/XX/2021. 
As of XX/XX/2021 {$57.00} is still on hold. 
Hotel released deposit on XXXX XXXX.
Product: Debt collection

My name is XXXX XXXX I have a loan out with XXXX XXXX now its with XXXX XXXX XXXX XXXX XXXX Texas I been trying to get this collection agency to give me a statement on my account I have never received any debt collection from this company or the original loan company it is on my credit report I have tried to pay this loan Ive been sick with XXXX and trying to resolve this and debt Collection company will not release my information I have filed XXXX XXXX XXXX and report the FCC commission and trying to file a small claims with the state of New Jersey to try to get this paid can you please help me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for a loan, I was given a copy of my credit report and I noticed some of my personal information XXXX, Equifax, and XXXX was inaccurate or missing including current address and date of birth.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling in disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 was unfeasible.The CFPBs findings indicate that Zelle has not only to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Nationstar Mortgage approved me for a standard modification in XXXX XXXX, with payments ( {$1600.00} ) in my Trial Period Plan due in XXXX, XXXX, XXXX, and XXXX XXXX. I paid {$1600.00} on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Nationstar 's web site showed my XXXX and XXXX payments had been received. When I logged in last night to make sure XXXX 's payment had been received and correctly applied, I was shocked to see that my modification had been terminated. The explanation given was that I had not made my first payment in the Trial Period Plan or that I had requested the modification be terminated -- neither of which is true. The web page showing I had made XXXX 's and XXXX 's payments is now gone. Instead, I have a payment history showing payments I never paid, a payment reversal ( which never happened ), and a payment for more than the {$1600.00} I actually paid. 
Neither representative I spoke to today was helpful. I 'm faxing a letter and documents to Nationstar 's Research Department, but I 've dealt with the same Research Department in the past for a Qualified Written Request, which they did not fully respond to and also took far longer to respond than RESPA allows. I really need this modification and am concerned they will get around to my fax eventually but not in time to reverse the termination. I have only XXXX left in my Trial Period Plan.
Product: Checking or savings account

Truist, formerly known as SunTrust bank closed my account in 2021 due to overdraft that I dont recognize. Now I cant bank with anyone due to them reporting on XXXX and XXXX XXXX XXXX for {$180.00} I really need a bank account I havent been able to get one in years. 
Theyre past statute of limitations.
Product: Debt collection

On or about XXXX 2016 I received a letter in mail from a Mcalla Raymer Pierce, LLC XXXX Attorney for Plaintiff, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Ph. ( XXXX ) XXXX, Email : XXXXXXXXXXXX a debt collection attorney firm. As a consumer I believe i 'm a victim of identity theft.This debt collection company were contacting me to inform me they were suing me to foreclose on an alleged lien ( security interest ) that XXXX BANK claim to possess and now they are entitled to my personal housegoods where i dwell. That was the first i heard of this lawsuit, I have not received anything about a lawsuit from a court. I have looked it up online to find out if they were really are trying to sue and take our family goods away. Yes, there in the court records this debt ( data ) firm had filed a lawsuit, signed by a XXXX XXXX XXXX XXXX XXXX # XXXX. Again i have not given her consent to contact me re : any alleged debt ( data ) nor has she let me know she got permission from a court of competent jurisdiction. I do n't understand how a debt collection co. can represent a client are they an attorney firm or are they debt collectors. That appears like misrepresentation of who they are. I do n't owe any debt to them and i do n't know who they are I did not consent to them contacting me re : any debt ( data ) pursuant to FDCPA. XXXX XXXX XXXX XXXX # XXXX signed the letter that stated i had 30 days to dispute the validity of the debt ( data ) or they would assume it was valid. I disputed within the 30 days and requested lawful verification and validation of proof of claim with original or certified documentation. I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2016 stating she received the dispute letter and she had not completed a review or all the research on the lawful demand to complete and send a response to the issues raised. XXXX XXXX stated i will receive a resonse in writing once they have completed all of their research of some alleged file to respond to the verification and validation.
Product: Money transfer, virtual currency, or money service

I reached out to an individual that was offering online services for a multiplayer game. We discussed their rates and settled on the agreement of {$100.00} to receive their assistance to leverage ( boosting ) my account in this multiplayer game further. I asked if they could send me an invoice on Paypal, but they felt uncomfortable, and asked to send the money through gift. I was fine with that, assuming that I would receive the service that I had paid for. 

This discussion began during XXXX XXXX, 2019, and the service needed to be completed by XX/XX/ 2019. I asked if they could send me an invoice for tax purposes through a pdf, and they agreed. Looking back it now, I never confirmed their existence and whether it was a reliable transaction. The Paypal was sent to a XXXX Paypal, and their invoice address was a fake address in Florida. 

This person has halted communication with me, and I feel swindled.
Product: Credit reporting, credit repair services, or other personal consumer reports

My whole identity has been stolen. Hacked and frauded. Fraudulent mail and email / phone hatched
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against American Express regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XXXX XXXX XXXX, I notified America Express that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non0verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requ

irements outlined in 15 USC 6802 and I have retained documentation of my communication with the institution. Despite my explicit opt-out request and my clear assertion of
my rights under the GLBA, I have reason to believe that American Express has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This un-authorization sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this un-authorization sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that American Express complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by American Express. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Money transfer, virtual currency, or money service

Hi this email is to provide proof of fraud on my chase account. XX/XX/2023 I noticed suspicious transactions on my account for the amount of {$0.00} for XXXX XXXX XXXX out of XXXX, XXXXthe one cent was withdrawn and then credited. I immediately locked my account and called Chase customer service. They agreed it was suspicious and canceled my debit card and issued a new one to be mailed out. Today XX/XX/XXXX, as I was driving home I received a call from XXXX from a supposed Chase representative who said my account had been compromised again and there was a XXXX transaction that was attempted in XXXX, Florida for the amount of {$1000.00} to a XXXX XXXX. He asked if tht was me tht was sending it and I said no. He proceeded to send me a text asking if the XXXX was authorized in which I responded no. He then told me my online banking account was completely compromised and I needed to change my username and password. He sent me two additional text messages to terminate my username and password which I unfortunately provided to him via text. He then proceeded to ask about my XXXX recipient XXXX XXXX XXXX who I stated was my boyfriend and he said his information was also compromised and he asked me to add him to phone call which I did immediately. After XXXX accepted the phone call the " representative '' asked him some questions and told him his phone number was added to a XXXX account fraudulently with XXXX which he has no account with at all. Then he text him some verification codes to the phone number he has attached to his XXXX account and asked him to read them to him which he did. After he received the codes he told XXXX that he would enroll him and me in fraud protection so our future XXXX transactions wouldn't be compromised. XXXX was let go and him and I remained on the line to supposedly enroll me into the fraud protection program which consisted of me approving a XXXX transaction of {$2000.00} to XXXX where he explained tht no funds would be deducted from my account it was simply to make sure future XXXX transactions between XXXX and I would not be compromised. I unfortunately said yes to the text which ultimately approved the XXXX transaction to XXXX which he obviously never received. I'm attaching all the screenshots of my call log where he called me and I tried calling the number back and it is a XXXX XXXX  customer service phone number which leads me to believe tht this XXXX XXXX thats the name he gave me also with a badge number of XXXX. I'm also sending the text messages tht XXXX received as well. The phone number associated with my XXXX account is XXXX and the phone number associated with XXXX 's account is XXXX.
Product: Debt collection

I C SYSTEM INC is A Fraudulent account that Has reported to my credit profile and its affecting my credit file. I have no knowledge of this account and this account is made in error. I do not owe any debt to this facility I have no relations nor have I done any business or transactions with this company
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$160.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$380.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$560.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$160.00} XX/XX/XXXX TRANSUNION : XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$380.00} XX/XX/XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$160.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The problem with this company is they didnt do their proper and coccect reporting. This is a card used for XXXX practices. It is listed as Carecredit.com/mastercard, the listing is listed as XXXX XXXX XXXX XXXX. I have not used the card in three years and to be acurate maybe two years. This is the worst reporting that I have ever seen. I am asking for $ XXXX in damages. I am also demanding a leter of apology to the CFPB!
Product: Debt collection

transworld systems contacted me about a XXXX $ medical debt owed that i have no idea about, the alleged medical provider is XXXX  from my home and debt collector has no knowledge of thewhen, who, and what the bill was for. the debt collector actually " we have no idea we bought this debt ''. 

account number XXXX
Product: Credit card

I noticed recently, that I was getting products from E bay I did not order. Finally I find out, that it was account opened under my name for Bill me later Pay Pall. I never opened this account and never used it.
Product: Mortgage

On XX/XX/2019 I wrote and mailed a check for {$290000.00} to Loancare to pay down my mortgage on my new home in XXXX XXXX. The sale of my condo in XXXX fell through so I didnt want to use that money for this. I called Loancare and was told not to worry because it wasnt a certified check and it wouldnt be cashed. But it was cashed. Fast forward. After 5 phone calls and 4 hours of being held on Hold Im still no where with these people. My requests for them to wire my money back has not happened due to them not requesting the proper documentation at the onset of my request. It has been 16 days since they cashed my check. Ive sent them photos of both the front and back as requested of the cancelled check and still no results whatsoever. Im frustrated and extremely angry as Im losing interest every day that my money is sitting in their hands. I also need that money right now. 

Four hours of waiting on the phone has not a produced a real live person to get this thing resolved. Ive talked to several people earlier but nothing gets done. Dont think theyre crooks ; just inept. 

HELP!!!
Product: Bank account or service

Santander Bank held a XXXX yr CD XXXX # XXXX XXXX for $ XXXX which was due to mature on XXXX XXXX, 2016. It was initially taken out with Sovereign Bank but had been taken over by Santander several years ago. 
I phoned and then sent a registered letter asking that the money not be reinvested but returned to me along with all interest at maturity. Evidence : Copy of registered letter requesting closure along with signed receipt. Told by a junior staff member ( XXXX XXXX ) that the letter was entered into my account on XXXX XXXX. 
In the event, they went ahead and reinvested it and would not reply to me even thought I sent other registered letters. This time asking formy money and the interest that was due to me. 

After nearly two months, they sent me the initial sum but did not pay the interest that should have accumulated. I have all these letters and consistently, by phone, nobody will take responsibility for the lack of response to my instructions over all that time. Indeed, now that they have finally paid the core sum, they claim they can not gain access to answer any questions about the account! Their top supervisor XXXX '' in Rhode Island even declined to talk or listen to me because " She can not authenticate me '' because they no longer had details of my account available.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 2 collections on my account that should not be there. i disputed it so many times with them and with you guys and nothing happens. they are still on my report. they were suppose to be deleted a long time ago. i tell them its fraud and the try to get me to settle for a payment when its fraud!! I want them to remove the collections off my account all three bureaus play a part in, XXXX, XXXX, Equifax
Product: Consumer Loan

I had to take out a loan for a house repair and loan me.com was the only one willing to loan me XXXX dollars what I needed. Now come to find out its 135 % interest and by the end of the Loan term I will end up paying around XXXX dollars this is loan sharing and they take advantage of people like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received an email about suspicious activity XX/XX/year> I tried to open app but it automatically logged me out. I tried to login because I forgot my pw and I usually use my pin it wouldn't let me use my pin. I tried to reset my pw over dozen times and it wouldn't let me through at all because it required me to connect my bank through plaid. XXXX code wasn't working at all it kept refreshing the code page blank afteri typed the code in. Robinhood ensured me my account was safe through email after it asked me for IDs for verification acter dozen times trying access my account. 2 weeks later verification never got back to me. I received emails that transfer funds went through another account on XX/XX/year>. Wiped me clean. Somehow after a day I was able to reset my pw without plaid acter dozen attempts again. I requested fraud customer service once i was able to get in XX/XX/year>. Apparently after a week they were not able to retrieve my money after the investigation. The hacker bank account transfer IS STILL LINKED to my account I told them that so they can track XXXX down since bank requires XXXX to open an account. I didn't want to try and transfer any funds back in case that may make my case worse if someone reports i stole their money. Called back to robinhood on XX/XX/year> and asked for investigation details and to email me reports they said they can not. I asked if they tracked person down from the bank account that was linked to my XXXX account they can not confirm. I asked if I should transfer my loss back from that account if I can retrieve it. They do not know what to do. They sent in another review to see if I should attempt transfer it back. Absolutely clueless on helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 these accounts listed below have violated my rights. 

Account name : XXXX of XXXX account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX. XXXX, XXXX Account number : XXXX