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

I noticed an unfamiliar transaction ( # XXXX ) in the amount of {$240.00} on my American Express Bluebird Card on XX/XX/2020. The transaction took place on XX/XX/2020 via online transaction between the vendor XXXX XXXX in XXXX, CA and shipped to an address in Massachusetts ( XXXX XXXX XXXX, XXXX, MA XXXX ). These items consisted of womens apparel or clothing as that is the vendors products offered. I contacted American Express to file a fraudulent activity petition. I was emailed documents to complete and file. I immediately completed all necessary forms ( case # XXXX ) and sent them off via email. I received a notice of denial XX/XX/2020. I filed an appeal and request of documents used to determine reason for denial. I received a reply that only stated transaction details on XX/XX/2020 but no reason of determination. 
I assert that this was an unfair determination as the transaction details clearly state a mailing address for said products is across the country at an apartment complex I do not reside at, the transaction took place while I was at work in California, the purchasers email address is not mine, and I don't wear womens clothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX 2016 my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. XXXX XXXX took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to ChexSystems even though I was a documented victim of fraud for account abuse. 

That inaccurate and irresponsible reporting of the debt owed to XXXX XXXX which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.
Product: Debt collection

After calling to resolve this debt, that wasn't mine, they threatened to ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a letter out to the credit bureaus. I called to get a status on XXXX I was told that no letters were received. I sent another letter on XXXX and I havent received a response. We are approaching 90 days and I feel that Im being toyed with and one is taking me seriously and I feel Im being taken advacntegw of. In Section 611 in the FCRA states that failure to investigate the items in 30 days gives reason to immediately remove the items from my credit report. It has been over 60 days so the items should be deleted promptly. I demand that these items are removed immediately or I will file litigation do to the stress you have caused. I have been impacted by The Equifax breach and my info may have been tampered with and used by an unknown person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. 
XXXX # XXXX XXXX XXXX XXXX # XXXX LVNV FUNDING LLC # XXXX XXXX XXXX # XXXX I've never did any business with these companies.
Product: Credit reporting or other personal consumer reports

This CFPB COMPLAINT IS BEING FILED IN PURSUANT TO FCRA 605B ( 15 U.S.C. 1681 c-2 ) THAT YOU THE EXPERIAN XXXX  AND XXXX XXXX  CREDIT REPORTING AGENCY BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT THIS FRAUDULENT INACCURATE AND FALSE INFORMATION CONSIST OF THE FOLLOWING ACCOUNTS :
 XXXX XXXX  ACCOUNT # XXXX  BALANCE XXXX  MONTHLY PAYMENT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX  BALANCE XXXX MONTHLY PAYMENT XXXXXXXX XXXX XXXX  ACCOUNT # XXXX BALANCE XXXX  MONTHLY PAYMENT XXXX   THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO CREDIT REPORT
Product: Mortgage

Flagstar Bank issued a check to me dated XX/XX/XXXX in the amount of {$2200.00} ( attached ). There was no documentation attached. The check notated " For Misapplication Reversal. '' I contacted Flagstar Bank on XX/XX/XXXX for more of an explanation, and was told the check was in error, further stating that XX/XX/XXXX mortgage payment was reversed and must be paid again, in lieu of the check received. Note : XX/XX/XXXX  mortgage payment is XXXX. I suggested sending the check back, and was advised this is not a good option, as it would slow the process down, or result in reissuance of the same check. Meanwhile, XX/XX/XXXX  payment incorrectly reflected as " unpaid. '' To avoid negative reporting history, I deposited the check on XX/XX/XXXX and paid XX/XX/XXXX  payment for a second time. Bank payment receipts are attached. 

Upon researching " For Misapplication Reversal, '' I located United Stated of America Consumer Financial Protection Bureau Consent Order document File No. XXXX against Flagstar Bank. I am a consumer improperly denied a loan modification in XX/XX/XXXX. As a result of denial, and Flagstar 's unwillingness to assist my family in the financial hardship following the loss of our child and wages, we filed Chapter XXXX in XX/XX/XXXX. The Chapter XXXX was discharged XX/XX/XXXX. 

Additionally, Flagstar Bank recently sent inaccurate documents regarding late payments. The latest dated XX/XX/XXXX is attached. When inquiring with Flagstar, responses were that the documents were sent in error and to disregard. 

Due to the numerous non documented errors by Flagstar and awareness of Consent Order, I am requesting an investigation to ensure that any monies owned to me by Flagstar are properly paid. 

Thank you.
Product: Credit reporting or other personal consumer reports

REMOVE THIS IMMEDIATELY or UPDATE to PAID/NEVER LATE 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay-ment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in-curring an additional finance charge, such addi-tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX. XXXX XXXX  XXXX Account : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account : XXXX
Product: Debt collection

On Saturday, XXXX XXXX XXXX XXXX sent a comfort advisor to my home to recommend an HVAC installation. I was quoted XXXX XXXX dollars to install two units. On Sunday, I declined to proceed with the order. My representative was notified by text and email and assured me he would cancel all on his end. I was pre-approved for financing through ALLY Financial. On Tuesday I received documents as attached. I called ALLY on Tuesday morning about my application and was told by then that the allocation was declined on Sunday XXXX and no further action was needed on my part upon as king for a fax number to send rescission documents to. I have attached my phone call and the documents labeled nonnegotiable to this complaint. At approximately XXXX XXXX  on Wednesday XX/XX/XXXX, I received an email from ALLy notifying me that they have received my signed agreement and awaiting disbursement to XXXX XXXX. I was told the application was denied and no further processing would continue. The call was made to ALLY ended at XXXX XXXX and lasted for 21 minutes. Further more the documents attached tell me to rescind within three days of the date of notice above. The date is no where on the forms they sent me making it impossible for consumers to rescind. I have attached the response from XXXX rep XXXX told me Ally would be cancelled on his end. It is important that disbursements do not take place. It is important that this item is not included in standard credit reporting as a new tradeline to my credit report damaging my credit. Further this loan should not have been declined it should have been withdrawn. They should not have declined me. It is not a fair decision after sending me an approval by email. 

they need to check their records to ensure there is no further processing of this loan. If it hits my credit report it will be damaging. I have contacted my representative to cancel orders the next day. I also contacted ALLY and was told the loan was denied as of XX/XX/XXXX which was the day I cancelled with XXXX 

Please help them to facilitate how to handle this accordingly so that my credit is damaged as a result of processing up to the point. 


Further I recieved the loan documents on Tuesday with an option to cancel by midnight of the same day by mail or physical delivery an hour and half from my home. If I have three days to rescind they should have emailed it too instead. 

XXXX XXXX should not be making requests for any orders because I cancelled installation. The rep cancelled it upon receiving a complaint about his proposal from my by email on Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I DEMAND to know why EVERY SINGLE TIME I try to use my debit card - WHEN THE BALANCE MAY BE UNDER BY XXXX XXXX  - my debit card is DECLINED? 

I DEMAND TO HAVE AN ANSWER REGARDING CUSTOMER LONGEVITY AS WELL AS DEPOSIT HISTORY - and I DEMAND that the CFPB holds BANK OF AMERICA ACCOUNTABLE for their answer- INCLUDING UP TO AND INCLUDING THE POTENTIALS OF THE CFPB FILING A CLASS ACTION LAWSUIT on behalf of the Bank of America members that this is an ONGOING issue. 

I ALSO DEMAND that the CFPB gets the FDIC, FTC, and the respective ATTORNEY GENERAL OFFICES involved of the respective chartered states. 

Bank of America- in its policy handbook specifically states we have the right to pay potentially declined debit charges. Granted, this is acceptable for accounts that DO NOT carry the relative value that one as mine would. The applied algorithms of longevity, deposit history, overdraft history, average running balances,.
Product: Credit reporting or other personal consumer reports

I I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate. 
XXXX XXXXXXXX and the XXXX XXXX XXXX
Product: Debt collection

Emailed XXXX, XXXX,XXXX XX/XX/19 with message: "As related to the attached please provide all invoices to XXXX  and to me for $XXXX and $XXXX. Thank you."No response.Attempted CFPB upload of Tri State Adjustments Inc.pdf denied.
Product: Checking or savings account

I was purchasing some items on line. The first XXXX transaction went to a invalid address. I personally went into the back to cancel it before making a second transaction. {$700.00} each. I was told you can not stop a XXXX transaction once its been sent and that not to worry it would be returned the in ten days. 
The following morning Zions released both {$700.00} transactions. Seller has disappeared. Time will tell if this is fraud. Nothing to do but wait to see if the items arrive. 
Zions did not do has instructed. I was willing to take one {$700.00} risk purchasing items on line but not two {$700.00} risks. Zions need to take responsibility for their employees just as I did for 15 years. Its been a week and its turn out I have just been emailing with a automated computer. Zions is the new XXXX XXXX of Banking. Now I have to pull out my commercial accounts and move them to another bank. If XXXX cant trust them with {$700.00} how can I trust them with hundreds of thousands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX XXXX, XXXX and TRIDENT ASSET MANANAGEMENT XXXX XXXX2020 seeking providing details of such adequate services and address this issue yet they still haven't provided such information. I have been involved in a data breach and due to that I have placed a security freeze and also have setup an identity theft alert. I need assistance with this matter because this falsely reporting have impacted me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the account listed blow. please show me documentation showing proof of transaction showing that I was ever late to support your in accurate reporting on my account. if you can not supply this please delete this allegedly late payment from my credit report. the reason for my dispute is that this is a invalid late payment The FCRA allows 30 days for this to be rectified. 

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

XX/XX/XXXX To whom this may concern, This is a follow-up request from my previous complaint regarding XXXX, Experian, and XXXX allowing unapproved and fraudulent inquiries remain in my credit file which they manage. Once again, I did not authorize anyone employed by these companies to make any inquiry to view my credit report ; therefore, I formally request that these fraudulent inquiries be immediately deleted from my credit file that they maintain. Their unwillingness, and opposition towards The Fair Reporting Credit Act, has, and still causing adverse effects to my credit file, all of these unauthorized inquiries are hindering my ability to obtain new credit. I request that you validate this information with these companies and provide copies of any documentation associated with these inquiries bearing my signature ; I will appreciate and updated copy of my credit report after corrections are made. 
Unauthorized Fraudulent Items to Be Deleted : XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX, Experian, and XXXX Willful failure to comply violated 15 U.S.C. 1681n, and 1681o, their breach of my Right To Privacy violated 15 U.S.C 1681 Section 602 ( A ), the furnishing of my credit file information without written instruction violated 15 U.S.C. 1681 604 ( 2 ), and 15 U.S.C. 1681c ( a ) neglecting to put fraud alerts in place to protect my identity. Previous complaints numbers placed with the Consumer Financial Protection Bureau are as follows : XXXX, XXXX, XXXX all relating to this current complaint.
Product: Credit card

On XX/XX/2024 someone used my name, telephone number and address and applied to a company called Koalafi to obtain credit to purchase furniture at a furniture store called XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX Fl XXXX. Telephone number XXXX. Basically someone stole my identity. This purchase has fallen on my credit report. Iam also in the process of filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection on my credit report 's all 3 of them by doing a dispute online and then by letter asking to remove inaccurate credit information ( XXXX XXXX XXXX ) bought a bad debt which had been charged off by the original creditor that has fallen off my credit report, I did not have a contract with them and they are reporting on my credit report and by law you must not report any inaccurate information on my credit report and that is inaccurate because I didn't have a contract with XXXX XXXX XXXX, when I checked with Experian I was told it was valid!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I was working with someone who was supposed to fix my credit they have pictures of my social my license bills. After reviewing my own credit I notice inquires on my credit report that I have not inquired about. When I put my dispute in to XXXX  Experian and XXXX  and to the company reporting this false information they say it is accurate. But they dont send documents showing it was really me. It is easy to apply for credit but to my understanding I had credit lock on my file and any card I applied for and received I had to send in my I D card. Any inquiry without my valid I d card on file has to be fraudulent. I feel they are breaking the law of course someone can write some of my correct identity in thats why its called identity theft
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 : XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX 
Account Number XXXXXXXX XXXX XXXX XXXX Account Number  XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX 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 1681 c. ( 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. 1681 s-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: Credit card

Card company : Chase, Chase, Card : XXXX  Current credit card no. : ending in XXXX Previous card ended in XXXX Fraudulent transaction made on XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX FL {$1200.00} As soon as the fraudulent purchase was made, I was sent a text message by Chase that they have suspected/ detected such an activity and if I had authorized it. I, immediately responded by writing " No ''. The company immediately sent back the message that they have canceled the card and will send a new card ( I have attached the copy of text message ). So I presumed that the matter had ended. After this transaction, another transaction was fraudulently made to buy gas at XXXX for {$71.00} ( using presumed canceled card ). I did not notice this transaction on my subsequent statement and so it went unnoticed. Now the credit card company wants to collect {$1200.00} that I had declined and they had confirmed the denial.
Product: Mortgage

In XX/XX/XXXX my family enter on a contract with XXXX XXXX XXXX to build a single-family home @ a new XXXX XXXX XXXX XXXX We got a pre-approval for a mortgage with a company call XXXX, and pay an earnest deposit of {>= $1,000,000}. 
We got an FHA loan approved for {$460000.00} with a 3.125 % interest rate as it states in the documents we have. The documents stated also that they were committed to approved it as it was passed by underwriters. XXXX XXXX XXXX proceed with the construction of the house as we were told they will take 10 months to build it. 
Time pass by and in XXXX of XXXX we had a date set for closing, XX/XX/XXXX, We got in touch with XXXX to get them ready, they started the process again, a week before the closing date we started to get no response from the loan officer, and we started to get worried, 4 days before the closing we received the news that our FHA loan was not possible because of proximity with the first home we own, but the loan officer ask us not to worry because he was still approving us with the same terms this time with a conventional loan, of course we trusted and keep on waiting for their good faith. The loan officer on a very unprofessional way stops returning calls or messages and after so many calls and request finally call us back telling us that XXXX couldn't approved our loan, when the system switched the loan to a conventional, we lost the locked rate and that made us not qualified for the loan. 
For that mistake the builders kept out earnest money deposit, giving us only the chance to purchase another home on another development they have but no the money back. 
At this point we don't qualify for a loan for the interest being so high, and at this point we are losing our {$25000.00} earnest deposit.
Product: Money transfer, virtual currency, or money service

I would like to express my concerns regarding zelles handling of disputes in light of the recent lawsuit highlighting cfbps handling of the platform despite using zelle numerous times and reporting discrepancies. My financial institution and zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasable. The cfbps findings indicate that zelle has failed to protect its consumers and allow repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency for its users raises my concerns highly about consumer safety. I have had multiple issues with both sending and receiving money through zelle and it caused great distress.