23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase card services will not return my money or points. 

On XXXX XXXX 2016 Chase credit card services, redeemed XXXX of my points for {$2000.00}, without my authorization. The funds were transferred into an unknown bank account that has never been associated with any of my XXXX chase cards. 

At the same time, a small purchase was flagged as possible fraud, But the redemption of cash went through with no hindrance. 
I contacted chase on XXXX XXXX and was guaranteed that the points would be returned to me within 10 business days and this was an ELEVATED case. 
I called back on XXXX XXXX to check on the status of the points and was met by bewilderment, as if it was the first time calling. However, the case is elevated and I should still receive my points by XXXX XXXX. 
I called again on XXXX XXXX just find out by a supervisor named XXXX, that more time is needed and she has NO idea of what is going on. In fact, she was irritated by my call and frustration. Making me feel that I am the problem. 
I was then told by XXXX that someone would contact me in 7 calendar days.. 

7 days later. ( Today ) I spoke to another supervisor named XXXX, Same stuff different person. They still refuse to give me a time frame and feeding me the same information ( Escalated to fraud ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have a unauthorized and fraudulent XXXX credit account listed on my XXXX XXXX, Equifax and XXXX credit report that do n't belong to me. The following credit card account is fraudulent : XXXX : XXXX
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 experiencing discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions wasnt feasible. The CFPBs 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. The lack accountability and transparency is unacceptable and raised serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX Consumer : ZELLE Amount {$700.00} Funds were sent to wrong person I was told there was nothing that could be done. There was no confirmation or warning setup by the consumer to ensure that things like this wouldnt happen
Product: Mortgage

We closed on a house XX/XX/2017 ; however seller ( home flipper ) did not pay any taxes on the property but at closing used part of his proceeds to pay off all taxes including penalties. On our statement of sale that I signed our bank, Paragon Loans has it filled out that the seller paid {$220.00} in taxes so we reimbursed seller for that in closing costs but they forgot to put in the amount of property taxes that were to be paid at the closing with buyers money. So after we 've signed off and everyone has received money. Two days later my attorney tells me that we owe the seller approx. {$1500.00} to the sellers to reimburse them their part of property taxes XX/XX/XXXX-XX/XX/2017. Paragon loans typed up all this information based off of what the sellers had submitted and should have been reviewed by attorneys and banks for all parties involved.These documents were not made available to my husband or I until we were at the closing and were not explained to us nor did we have a representative from Paragon Loans at the closing. Not sure if Paragon Loans is at fault for not realizing that seller was n't paying the property taxes until closing so it needed to be configured into my closing costs or if seller XXXX is at fault for not making that clear.
Product: Debt collection

I had XXXX for over 10 years. They didn't want me to cancel even though I was adamant the bill was just getting too expensive. Since I owned the phone and the contract was up my son took the number and transferred to another company. Months later I receive a bill for over {$500.00} with constant harassing phone calls threatening to take me to court etcetera. I filed a complaint with corporate office about the incident and never heard anything else until a debt buyer bought it out.
Product: Credit reporting or other personal consumer reports

I have identified inaccuracies in my Experian Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with Experian. Despite my attempts to address the matter through mail communications, Experian has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates Experian 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situatio
Product: Credit card or prepaid card

Apparently my SS # & Email acct had been hacked & I believe my sister, a XXXX addict, was also attempting identity thieft before she had an untimely death in XXXXShe stole a lot of $ from my father. My income is difficult to explain since I now collect social security & have inherited monies from both my father & my very wealthy aunt ( I'm in the process of having monies placed in trust accts & managed by others more capable then me! ). It does give me a steady monthly stipend that adds to my Social Security & shouldn't run out. I keep finding more & more derogatory comments on my credit reports? Tonight claims a late payment for a target credit card from XXXX. I've had only one Target credit card & it's totally up to date! I used it today! I usually pay my my few active credit card balance in full each month. I am immunosuppressed & was isolated for nearly 18 mos. I realize I got slopply with my payments due to XXXX. Totally my fault I had the income I was just lost concerning time & date since literally left alone with everything delivered to my door & Dr. appts & family only checked in virtually. Now I hope to repair my credit & health & get to the bottom of some debts & loans that are not mine! I couldn't leave my XXXX  from XXXX XX/XX/XXXX till XX/XX/XXXX & still must be cautious. No reason to apply for loans or credit cards then & minimally today. XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Barclays Bank Delaware continues to report an account to XXXX and XXXX   the account was the result of bankruptcy filing due to Id theft several years ago the account was previously removed from all credit files and has been readers to XXXX and XXXX without and notice to me
Product: Debt collection

I received a letter from XXXX XXXX XXXX that indicated their intent to file a lawsuit for an aggressive collection agency XXXX, XXXX, that only recently obtained an account from Citibank that I had been making small payments on. 

They use excessively aggressive tactics and when I attempted to call them indicating at the time that no law suit had yet been filed they tried to claim I needed to pay the entire debt off or in several large payments, which I indicated I could not do. They showed no respect, courtesy, or flexibility, and demanded I provide them a lot of documentation about my current income. Before this could be gathered I was served with the evidence of the legal summons. 

This company uses very aggressive and threatening tactics, and makes no attempt to first reach individuals with reasonable collection strategies.
Product: Money transfer, virtual currency, or money service

( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 cause significant unconvince and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Home Depot/Citibank issued a credit card in my former legal name ( I changed my legal name in XX/XX/XXXX ) to an identity thief on XX/XX/XXXX. The thief proceeded to make approximately {$4000.00} in purchases with the card on the same day. I noticed the account opened fraudulently and reported it to the creditor immediately. An investigation concluded by the creditor in XX/XX/XXXX that the charges were not fraudulent and that I was still responsible. I disputed the investigation and provided further proof via fax on XX/XX/XXXX ( my legal name change court order, my drivers license, an identity theft report I filed with the FTC ). Home Depot and Citibank seem unwilling to dismiss this account and these charges as fraudulent so I am filing this report against them.
Product: Checking or savings account

I opened a business checking and savings accounts with Chase on XX/XX/XXXX. A month later, on XX/XX/XXXX another signer on the account, my partner for the business received a unauthorized withdrawal text from Chase Fraud Department trying to confirm if we attempted to withdrawal {$800.00} dollars from the account. We replied NO. I logged in to my Chase app and saw multiple pending withdrawal activities on the app. I called Chase Fraud department right away asking them to stop these transactions. The representative advised me that there is nothing they can do at this time, my money is secure, I would get the money back from chase, they are FDIC insured, I should try calling back on Monday. At first i was shocked with his answer, asked for his full name and he advised that he can not disclose. My partner called CHASE Fraud department and made sure that the cards have been closed. I went to the XXXX Branch and spoke with my banker on Monday, XX/XX/XXXX. He called the Chase Claims department and disputed all the charges on my checking and savings. I advised him that I never received my debit card and confirmed with him that I did not want a debit card or credit cards for this account. 

The total amount in dispute from my checking 's sum up to {$8200.00} and {$1000.00} dollars from my Savings account. Shortly Chase credited me the above amount and I was closely monitoring my account afraid to make any more deposits. On XX/XX/XXXX there was reversal transactions pending in my savings account and checking. Checking account was pending reversal of {$5200.00} dollars and Savings account was pending {$1000.00} dollars in reversal. 

Out of the total loss amount of {$9200.00} that occurred on XX/XX/XXXX, I was only credited {$3000.00} dollars to my account, because they only found that one transaction as unauthorized. I received a letter in the mail dated XX/XX/XXXX from Chase stating that they found " the transactions was processed according to the information you provided or was authorized '', " no adjustments will be made to your account at this time ''. 

I went to the XXXX branch immediately and spoke with the manger. He called the claims department for me and went thru the account details with me. He found that someone did go to a XXXX branch and changed telephone number and pin for a debit card. He also shared this information with the claims department and the answer he got was there's nothing they can do. I have been trying to resolve this matter with Chase employees in numerous attempts and have been no where. I kept trying to call and write to the claims department and does not get an answer. Chase has failed to secure my money as a financial institution and respond to my inquires.
Product: Credit reporting or other personal consumer reports

I have requested supporting documentation for 3 accounts marked as collections on my credit report. Each time the companies have responded as verified as accurate with no contracts and signature as proof and no method of verification provided. The most recent response from XXXX was marked verified as accurate and has different dates from the original verified as accurate response. Equifax also states the information is verified as accurate with completely different dates from the XXXX report and no supporting documentation. They should not be both reporting that the debt is accurate if the information presented does not match for both companies. 
The accounts could not be verified and I exercised my legal rights and requested they be removed to no avail. I have requested over 3 times that these accounts be deleted from the Equifax and XXXX reports due to erroneous reporting and avoidance of legal codes as required Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 
Dates of letters written to both XXXX and Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am a XXXX XXXX  and have served my community during COVID pandemic and have been a healthcare worker for over 15 years ; my credit is suffering. I am suffering. I am limited to funding for my endeavors for my mobile clinic due to this reporting.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Transunion, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.
VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to XXXX, TRANSUNION, XXXX, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX Account # XXXX Being Reported to XXXX, TRANSUNION, XXXX CHARGED OFF ACCOUNT BAD DEBT XXXX  Account # XXXX Being Reported to TRANSUNION, XXXX ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to XXXX, and TRANSUNION ( CHARGE ACCOUNT ) XXXX/XXXX  Account # XXXX Being Reported To XXXX, and TRANSUNION ( CLOSED OR PAID ACCOUNT/XXXX  BALANCE INSTALLMENT SALES CONTRACT ) XXXX XXXX XXXX/XXXX XXXX Being Reported To XXXX ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To XXXX  ( FLEXIBLE SPENDING CREDIT CARD ) XXXX   XXXX Account # XXXX Being Reported To TRANSUNION ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on TRANSUNION ( PLACED FOR COLLECTION )
Product: Checking or savings account

I have filed several disputes with paypal. The disputes all have been denied although they were fraudulent charges. The latest case number is XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries that are inaccurate with Equifax. These stem from the well known equifax data breach. I submitted a dispute for 3 inquiries. XXXX, XXXX, XXXX XXXX. 

They did not make the changes because they said " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : ( company name ) '' I have several problems with their response. First, for XXXX ; XXXX already contacted equifax and had the related fraudulent delinquent account removed, however i can't figure out why equifax can not remove the associated hard inquiry. 

Second, for XXXX. This was also fradulent. I spoke with XXXX and they told me i had to dispute it with Equifax. I'm not sure who is right here but they are both saying the other company has to make the change. I don't care, but just want this resolved. 

Third, i will point out that these fraudulent inquiries are the direct result of the equifax data breach. They should be more helpful in resolving the problem they created.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$12000.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : TD Bank N.A., 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Dynamic Recovery Solutions of XXXX, South Carolina calls my office number asking for a former employee. I have told them numerous times to remove me from their list as they are clearly a spam site and the employee no longer works here. They asked for her contact information. I told them that I was under no obligation to provide that information to them and asked to be removed from their phone list again.