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

This credit card dispute was called into Barclay 's bank on XX/XX/2020. To date, XX/XX/2020 - all I get is " it is STILL under investigation ''. In regard to this dispute the Bank has also NOT issued a temporary credit and has required that I pay all amounts billed in full, or pay the interest and penalty. They told me resolution could take 90 days and they do not issue temporary credits. That is unacceptable. XXXX XXXX  and all other banks, gives temporary credits immediately upon receiving the dispute. 

This is summary of my letter to them : Dear Barclays Bank Dispute Dept. 

Claim Number - XXXX Credit card ending in XXXX Amount in dispute {$4500.00} On XX/XX/2020 I purchased 6 tickets, plus 6 seats ( one @ {$70.00} and one @ {$30.00} ), for a grand total of {$4500.00}. These charges appear on bill due XX/XX/2020. 
Two flights were for XX/XX/2020 with return on flights for the XX/XX/2020. In XX/XX/2020. I received an email from XXXX XXXX that the all 4 flights were cancelled. Page A1 & A2 - in attached backup uploaded file. XXXX XXXX offered to allow us to re-book. They NEVER offered us a refund for the cancelled flights. 

As per U. S. Department of Transportation Enforcement Notice dated XX/XX/2020 and uploaded here as documents B1 & B2 where it clearly states, Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight.. 

Also stated on document B2 that it is essential for the carrier to notify the passenger that it provides refunds if the carrier cancels the fights. 

XXXX XXXX did NEITHER. I was never notified or offered a cancellation refund. 

I therefor officially dispute these charges and turn to you to instruct Barclay 's Bank to promptly credit my account for above sum. 

List of charges is on the next page below. 

Attached is copy of reservation showing cancelled flights and also a copy of the Dept. of Transportation Order. 

Attached is copy of my fax receipt to show proof that i sent 6 pages via fax. This is same as what was uploaded to you.. 

I am also uploading the pages from my statement that shows these charges. Please keep this page confidential Date Amount XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$650.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} Grand total of Disputed amount {$450000.00}
Product: Mortgage

I tried to refinance as I had emergency situation and needed money to pay credit cards I have NEVER been late on payments and a perfect 10 year record with all payments. I was presented with a challenge. I have {$300.00} plus equity in my home and thought if I could get {$70000.00} I could get back on track. I tried all this before I started missing payments. I was denied very quickly. Watching the misleading commercials I now know it is a scam. Don't believe their commercials about how they want to help you!! They want to take your money!
Product: Credit reporting or other personal consumer reports

In XXXX I reached out to XXXX XXXX and sent them an OPT out request. I recently pulled my credit report and saw that you are still reporting their information about me. Under 15 USC 6802 I have the right to OPT out and have protections from the sharing of my nonpublic personal information to non affiliated third parties including the Credit Agencies. This is a violation of my request. 

I would like you to stop sharing my non public personal information. I have added the complaint to my request for your review. 

I have also added the letter I sent to XXXX. 

Your timely help with this matter would be much appreciated. 

Complaint ID XXXX
Product: Debt collection

This place XXXX XXXX XXXX  sent me letters to treat me twice last year and this year on tax season file. I looked at the account number now match to mine by one later at the beginning. I paid off my medical bill since XX/XX/XXXX - XX/XX/XXXX done. Some bills sent out some paid in person. The last bill I went to paid in person at front desk, that front desk lady told me to call debt collection to confirm that I paid off. From that time I mowed the state and lost some receipts and still have some, and I lost the number to call to confirm also. 

NOTE : I can't pick up phone while working, but can text me anytime.
Product: Debt collection

Nothing. They say I owe. No XXXX  or image.
Product: Money transfer, virtual currency, or money service

Basically what happened is that I report XXXX fraudulent transactions made through XXXX from my bank checking account ( Wells Fargo ) the first of XXXX to " XXXX XXXX '' Ref # XXXX and the second of XXXX to XXXX XXXX XXXX # XXXX. The solution that Wells Fargo gave me was to go to my cell phone service provider in this case ( XXXX ) a documentation that my phone has been compromised so I went and they told me that they are not able to give that type of documentation and that the only thing they can give me is an invoice for the cell phone payments and a call history ( I will attach these proofs below ). So I turn to you as my last option to solve this.
Product: Credit card

In XXXX of XXXX, my American Express XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX ) credit card information was stolen and multiple online purchases were made to my card amounting to over {$6000.00} ( {$2600.00}, {$1800.00}, and XXXX on XX/XX/XXXX ). These were fraudulent online charges to XXXX XXXX XXXX ( XXXX XXXX XXXX. In XXXX of XXXX, after an initial dispute was rejected due to AMEX claiming that the items were delivered ( XXXX XXXX ) and signed for by me at my home. I never received these items nor did I sign them. Following the initial dispute, a new investigation was opened in light of more details about the fraudulent charges and has been ongoing since then and there has been no document provided to me detailing the findings of the new investigation. These charges were obviously fraudulent and I have no idea what the investigation outcome is nor any of the details related to the investigation. 

AMEX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXACCOUNT XXXX XXXX XXXX XXXX XXXX {$19000.00} these two accounts was removed from credit report over a year and added back
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracing these transactions was unfeasible. 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports, there are multiple names, phone numbers, and house addresses that do not belong to me. I have tried to get the items removed to better my credit, but I was unable to. I called transition, XXXX and XXXX. Neither one of those companies obliged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus to let them know that I was a victim of identity theft and I have no knowledge of these accounts that are reporting. I have also asked for verification of all accounts which they have failed to do. My identity theft report from the federal trade commission is also attached to this report. 

XXXX XXXX  XX/XX/XXXX {$8100.00} XXXX XXXX XX/XX/XXXX {$7800.00} XXXX  XX/XX/XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, what Experian has neither correctly, nor removed Space disputed items despite the evidence, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I checked a copy of my credit report and noticed two collection accounts that I am not aware of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently filed a cfpb complaint ( XXXX ) on my issues with XXXXiscover Financial Service on an alleged debt that they are continuously trying to collect. I have sent them a cease and desist asking them to cease all communication unless it pertains to the validation of such debt. However, I am still receiving communication from them via email on matters that do not pertain to the complaint or alleged debt validation. I would like all further communication from Discover Financial Services to be in writing and sent via postal mail or directly through the cfpb complaint that is currently open.
Product: Debt collection

Debt Collection Office posed as a process server and discussed my debt information with my Mother and Mother in Law both who do not reside with or have anything to do with this debt. They also calles my cell phone claiming the same info that they had papers they needed to serve me. When I called back the number the debt collector advised he would not allow me to let me speak with the " Process Server '' named XXXX XXXX who called all XXXX of us and discussed my business with others. I have saved voicemails from the so called process server left on my phone and the third parties phones. On my Mother voicemail the so called process server stated I listed her as a second contact, which I never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This reported Charge-off is inaccurate. A charge off denotes canceled debt, which the IRS recognizes as ordinary income. Despite the company filing it on their taxes as such, it's erroneously reported as debt on my credit profile. Despite requesting a XXXX form, there has been no response. Hence, I urge the removal of this erroneous " Charge-off '' from my credit report, as it contravenes the 15 U.S.C. 1681.

Not including this account is inaccurately reporting a balance for a closed account. I request its Immediate removal off my credit report. 

XXXX XXXX XXXX Account # : XXXX Reporting Balanced Owed on Charged-off Account : {$330.00}
Product: Debt collection

Franklin Collection Services of XXXX, MS appeared on my credit report at the end of XXXX, XXXX. They allege I owe them {$80.00}. I don't know them, I have never heard from them, and I most assuredly do not owe them {$80.00}. XXXX, the nonprofit legal firm that assists XXXX, XXXX senior citizens  wrote them on my behalf at the beginning of XXXX. Helps told Mr. XXXX that I am an XXXX XXXX receiving only protected social security income, and that there was nothing to be gained here. Instead, Franklin Collection constantly updated my credit report on XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. This lowered my credit score 26 points. This was totally unnecessary and abusive, oppressive harassment in it's purest form. For the record, I have been an XXXX XXXX XXXX customer for years and they do not have a problem with me. So, I really don't understand why Franklin Collection Services took it upon themselves to harass a XXXX senior citizen in the middle of a global pandemic. My only concern right now with my underlying health conditions  is trying to stay alive. I would appreciate it if these folks would delete this from my credit report and just leave me alone. Thank you. Everybody stay safe and be blessed.
Product: Debt collection

I received an alert from XXXX XXXX that a Collections account was reported on my credit file XX/XX/XXXX and looking up the info from XXXX XXXX was XXXX XXXX XXXX XXXX XXXX. I never received any notifications from any company or mailings of validation of debt to dispute. I have Informed Delivery from USPS that informs if mailings is being delivered and the XXXX XXXX XXXX XXXX violated the FDCPA ( 15 U.S. Code 1692k ). 

When a Debt Collector Can Report Information About a Debt to Credit Reporting Agencies Effective XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency, the debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverable comes back. 

No attempts was made prior to reporting on the Credit file. XXXX XXXX XXXX XXXX XXXX said that I owe Advance America XX/XX/XXXX. I contacted Advance America no as I have not received such info from the Business. I have done Business with Advance America in the past and the disputed with Advance America and no Validation of Debt was sent to me. Although they mention I had loans after XX/XX/XXXX. As 1 loan can be taken out at a time after it is paid off with the Company. 

I disputed with the Credit Bureaus and the 3 major Companies, XXXX, XXXX, and XXXX refuse to delete as XXXX XXXX XXXX said the info was correct. 

I emailed XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX that I disputed the account. 
On XX/XX/XXXX a response was 2 forms that was sent and that the info can not be deleted from file. I informed that a data breach is in the system because this is not accurate. XXXX XXXX XXXX XXXX XXXX fails to comply with the rules of the FDCPA and Consumer Financial Protection Act. My info is used into the XXXX major credit bureaus and not handled properly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  acct XXXX and XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CRAs/XXXX/Equifax ; XXXX ; Please see the attachments for detail. I was reviewing my credit report today with my family & noticed all those accounts below still reporting on my credit report as-is. Therefore, its telling me that you never conducted a truthfully investigation with your organization but however you continue to send me random pre-printed templates responses. Those items below continue to report with multiple inaccuracies and violations and they are incomplete and therefore unverifiable. 
Still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

XXXX XXXX XXXX XXXX XXXX inaccuracies, DELETE! 
XXXX  XXXXXXXX XXXX XXXXXXXX inaccuracies, DELETE! 
XXXX XXXX XXXXXXXX inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXX inaccuracies, DELETE! 
XXXX XXXX XXXX XXXXXXXX inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXX inaccuracies, DELETE! 
XXXX XXXX XXXX  XXXX inaccuracies, DELETE! 
XXXX XXXXXXXX XXXX XXXXXXXX inaccuracies, DELETE! 


I was also reading some new findings from cfpb about your level of investigation. And I quoted " CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX and also I have attached my Police Report that I filed on my local Police Department. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX, XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I used the capital one ATM located inside the XXXX  XXXX capital one branch. I specifically went to the branch because the other Capital one ATMs located at XXXX  are notoriously difficult to use. Specially they spit out half the cash you deposit and you have to keep working to deposit it. 

On this day I deposited {$1500.00} in cash. The ATM showed the deposit as being {$580.00}. I immediately spoke to a capital one ambassador employee in the bank and informed him what happened. He told me to call customer service immediately and file a claim. I did so. I was told they would reconcile that ATMs funds, look at video footage ect. 

They have denied my claim twice. I went back to the bank branch where the employee remembered well what had happened. He tried to call the customer service line with me for almost 2 hours. He grew incredibly frustrated as the overseas customer service line kept dropping our calls, misunderstanding us, and refused to explain what they had done to research my claim. He told them repeatedly he was there during the incident and could vouch that it had happened. He called his own branch manager and all she could do was tell him to call customer service. 
He was as appalled as I am that capital one did not so their due diligence here. They did not contact him to verify my claim. Did not look at the video footage and it is impossible they reconciled the atm from that day as it contains {$1000.00} cash extra! 

Please help. I am a single mother and have a capital one checking account, 3 savings accounts there for my children and 2 credit cards w capital one. I can not believe that they can just so blatantly steal my money this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : Hello, my name is XXXX XXXX XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and requesting an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SELF FINANCIAL/LEAD BA Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX SSN : XXXX XXXX
Product: Mortgage

I have a rental property financed with Quicken Loans. It was our former residence. We lost our tenants in XXXX of XXXX. The tenants " trashed '' the property, which required extensive renovations. When it was complete, we listed it for sale. We were unable to pay the mortgage with no tenant, but stayed in contact with the lender and kept them apprised. No offers were forming. In XXXX, we applied for a short sale and were denied. On XX/XX/XXXX, Quicken entered and secured the vacant but maintained property over our express objection. They cored the locks and changed them. We were unable to access the home for showing/sale for two days. We wrote a strong letter, and Quicken eventually agreed to a short sale. We signed and returned all documentation including a promotion agreement with XXXX. Several " winning '' bids were rejected w/o notice and without our knowledge. In XXXX, collection calls restarted. In XXXX, we were told that we " never returned '' the short sale paperwork ( impossible as it was faxed in triplicate and returned via express carrier ). We wrote a second letter and informed the lender we wanted to pursue a Deed in Lieu of Foreclosure and threatened legal action for trespassing, theft, harassment, bad faith, financial damages, repetitional damages ( credit ) and intentional infliction. In a phone call on XX/XX/XXXX, we were told we could not use a DLF and they were moving forward with full foreclosure, even though we are willing to give the lender the house. We were told they were prepared for a lawsuit and any publicity or official complaints we may file. We have been absolutely assaulted by this company. We are a middle class family, not real estate professionals and feel we have no recourse. All we want to do is responsibility dispose of the property and get own with our lives. Instead, Quicken Loans is putting us through XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX - BALANCE {$590.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$840.00}