23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In a teleconference on XX/XX/2016, XXXX the head of Key Bank 's Collections Department, stated that XXXX did not apply to Key Bank ( because Key Bank did not accept TARP money ). 
In a XX/XX/XXXX XXXX XXXX about Key Bank XXXX XXXX XXXX, XXXX : XXXX # XXXX, XXXX XXXX XXXX XXXX ' XXXX 's question as follows : Key suffered some dark years during the recession and in XX/XX/XXXX became XXXX of the last banks to repay its {$2.00} XXXX in bailout funds. Is this still a turnaround mission? 

" The TARP money was not a bailout. It was originally given to banks that were deemed financially stable and viable. We were patient in deciding when to repay TARP because part of the requirement was that you needed to raise new equity -- you had to issue stock. By waiting until our financial performance was stronger, we diluted our shareholders less. We are proud to have that chapter behind us. We 've been profitable for XXXX quarters and are building momentum for the future. I truly believe Key is past the inflection point. '' If Key Bank accepted XXXX funds, than it is obligated to offer XXXX. XXXX XXXX 's misrepresentation that HAMP does not apply violates Unfair or Deceptive Acts or Practices provisions of XXXX U.S.C. XXXX ( a ) and New York XXXX XXXX XXXX, XXXX. 

Since XXXX will expire on XX/XX/2016, XXXX misrepresentation could be very injurious.
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 impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt or credit management

On XX/XX/year> they said that they can help repair credit but nothing as changed and I spent over {$200.00} on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian responded that my complaint is not authorized by me. That is false, and I XXXX XXXX am a victim of identity theft, and I myself am sending this complaint to the CFPB and EXPERIAN, so that i can get help with the fraudulent accounts on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last 4 of social security XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX : Disputes Department XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX  Subject : Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear Experian, This will be my final attempt to dispute the inaccurate information that has been reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations. 
Per 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within 5 business days. No such notification was provided to me. 
I would also like to bring to your attention the ongoing lawsuit against Experian filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues. Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. 
I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. 
Failure to comply will result to me seeking {$1000.00} per violation found on my consumer report Thank you XXXX XXXX
Product: Credit reporting

My credit report with Experian is frozen. On XX/XX/XXXX at approximately XXXX PM, I requested on line that my credit report freeze be lifted temporarily. The only option offered on the website was for 24 hours, although I only required a one hour credit lift. At XXXX PM today, I called phone number XXXX to verify that the freeze had been reinstated. I told the lady who answered my call that I had asked yesterday that the credit freeze be lifted temporarily, that I understood it was for 24 hours, and that I was calling to verify that my credit report had again been placed in a freeze status. The female ( voice sounded like a young person ) then asked for me to give her my social security number, full name, and date of birth. I obliged as I was under the assumption that she was about to check the status of my credit freeze. Instead, she tells me that she is not authorized to do so and must transfer me to someone else in another department. I 'm stunned ... ..I have just given my personal information to someone, who for all I know is a temp telephone operator or who knows what, who has my personal information and is apparently has no authority at the credit bureau. I might expect this at XXXX or XXXX but not a major Credit Reporting Bureau. Because of the nature of their work, these people should realize just how important this information is to customers such as myself. 
On another note, I do n't understand why these folks do n't offer the option of a one hour temporary lift of the credit freeze. It turns out this particular lift will remain in effect until XXXX PM the next day as the consumer has no shorter duration option ... ..way too long!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

On XX/XX/2019 all of my credit and debit cards were stolen from my wallet. 2 credit and 2 debit cards were from Wells Fargo. I realized they had been stolen when I began to get texted fraud alerts about charges in the thousands of dollars from a nearby XXXX XXXX. 

I immediately called Wells Fargo and reported the cards stolen. The representative I spoke with verified that some charges had been made at the XXXX XXXX, and I claimed that they were unauthorized. I was assured that I would not be held responsible for the charges. 

A few days later, I received Declaration of Fraud and Forgery documents from Wells Fargo. I duly indicated that the charges from The XXXX XXXX were unauthorized fraud, and returned the signed documents to Wells Fargo. 

On XX/XX/2019, I received a letter from the Wells Fargo Claims Assistance Center stating that they had completed their research on the claim from one of my credit cards, and that they had determined that no fraud occurred. The reason they stated was that " the merchant verified your personal information, which may include dame, address, phone number email, account number or card expiration date. '' Well, of course they could verify my name, account number and card expiration date, the thief had my card in their possession! 

I then checked my account online and discovered that Wells Fargo had charged back {$4700.00} to my credit card! And they had done it on XX/XX/2019, over 3 weeks before they notified me. This is almost half of my credit limit. 

I called the Wells Fargo Claims Assistance Center to ask what I could be do to reverse their decision, and they informed me that I had to submit my request for reconsideration in a written letter, and that it would take several weeks for them to resolve the issue. In the mean time, I AM RESPONSIBLE FOR THOSE CHARGES! All of the complaints I registered fell on deaf ears. 

The following FAQ is listed on wellsfargo.com under credit card security and fraud : What if there are unauthorized charges on my stolen card? 
Through the free XXXX program, you are not responsible for unauthorized transactions that are reported within 60 days from the first statement showing the unauthorized transaction. If your card ( or card number ) is ever lost or stolen, your account is safe. Just report your missing card right away or tell us as soon as you notice any unauthorized activity. 

For Business Platinum and Secured Cards : XXXX For Business Elite Card : XXXX Also, according to the Truth in Lending Act, my maximum liability for credit card fraud is {$50.00}. Wells Fargo is clearly trying to cheat me. 

Sound familiar? I've been a customer of Wells Fargo for 28 years, and decided to give them the benefit of the doubt when the customer sales scandal came to light a few years ago, as they seemed genuinely interested in atoning. But no more. Once this is resolved, I'm done with them for good. 

I have attached copies of all the correspondence I have received from Wells Fargo to date, with my personal information redacted.
Product: Credit card or prepaid card

I received letter from Chase dated XXXX XXXX, XXXX stating " We decided to close your accounts because of unexpected activity on this or another Chase account. '' I called Chase and talked to various customer service representatives, but I never received any more information beyond the above statement. 

I would appreciate if Chase could provide more detailed explanation for closing all my Chase accounts. 

Regards,
Product: Debt collection

XXXX Bank through its XXXX ( XXXX and XXXX ) approved a credit card account ending in XXXX in my name based upon a fraudulently submitted credit application and processed payments totaling {$11000.00} to XXXX XXXX XXXX XXXX XXXX DE, consisting of {$6000.00} on XX/XX/XXXX and {$5200.00} on XX/XX/XXXX ). Subsequently, XXXX XXXX charged off the amounts and sold the debt to Portfolio Recovery Associates , LLC who claims that I owe them {$13000.00}. I received first written correspondence from Portfolio Recovery Associates in XX/XX/XXXX. I contacted them and disputed the claim on XX/XX/XXXX. Now I am receiving written correspondence informing me that the account is being transferred from their Disputes Department to their Litigation Department and that nobody has actually reviewed the account or conducted an investigation in connection with the fraud, as well as telephone calls. It is worth noting that the address XXXXXXXX XXXX used to approve the credit application and open the account is one that I have not lived at since XXXX and I sold that property in XXXX. On XXXX  I contacted XXXX XXXX  directly and opened a fraud complaint. I received a XXXXXXXX XXXX  fraud investigation form and faxed the completed form back to XXXX XXXX on XX/XX/XXXX. Now I am waiting for XXXX Bank XXXX XXXX XXXX to conduct their investigation which may take ninety ( 90 ) days. I have contacted XXXX, XXXX and XXXX and have informed them of this fraudulent account. I dispute having any accounts with XXXX, XXXX, XXXX and XXXX XXXX  Moreover, I never submitted any applications for credit with XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Furthermore, I have never received any communications from XXXX, XXXX, XXXX XXXX XXXX XXXX that I have any credit approvals or debt outstanding. I have not received any physical credit cards from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX either . I am not responsible for this debt. I question the credit approval, due diligence and underwriting practices at XXXXXXXX XXXX since they approved the credit application, opened the account and processed payments using an address that I have not lived at since XXXX and a property that I sold in XXXX. 
On XX/XX/XXXX I contacted Consumer Financial Protection Bureau ( CFPB ) and submitted a complaint against XXXXXXXX XXXX and Portfolio Recovery Associates , LLC ( Complaint Number XXXX ) in connection with the credit card account number referenced above. 
On XX/XX/XXXX I received a request from CFPB asking me to name a single company in Complaint Number XXXX. On XX/XX/XXXX I named XXXXXXXX XXXX in Complaint Number XXXX. 
Also, on XX/XX/XXXX I am submitting this new complaint against Portfolio Recovery Associates , LLC ( PRAC ). PRAC is not responsible for the shortcomings in the original credit approval, due diligence and underwriting and funding practices at XXXXXXXX XXXX, however PRAC has ignored my XXXX letters and persists in contacting me via telephone calls. The first letter is dated XX/XX/XXXX. The second letter is dated XX/XX/XXXX. I believe that PRAC must follow up directly with XXXXXXXX XXXX to resolve their interests in this matter.
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized credit inquiries on my Transunion and XXXX credit reports. I followed protocol and called each of the companies who instructed me to contact the credit bureaus. The credit bureau failed to investigate this matter and did not provide any supporting documents to indicate that they did not just produce an automated response that basically stated that they will not investigate and to contact the these individual companies again. 
I have notified both Transunion and XXXX that I have previously been a victim of identify theft and that from time to time unknown person ( s ) attempt to run my credit in an attempt to see what they can get. I have also been the victim of several credit breaches through various sources and my information is out there! I depend on the credit bureau to research these matters not simply produce an automated response that states that they can't help me but yet they allow my credit to be ran.
Product: Credit card

XX/XX/year> - Saw a fraudulent charge on my account from XXXX XXXX. 
XX/XX/year> - Contacted XXXX XXXX to refund amount. Since it was a fraudulent charge, they said they could not refund it and I should contact my credit card company and dispute it. XXXX XXXX opened up a case regarding the fraudulent order ( Case XXXX ). 
XX/XX/year> - Submitted a dispute with Goldman Sachs Apple Card. Started a dispute and changed account number and password to my account. 
XX/XX/year> - Dispute denied stating transaction was authorized. 
XX/XX/year> - Appealed the dispute decision with Goldman Sachs again. 
XX/XX/year> - Contacted XXXX XXXX again for follow up on case and told them my dispute with Goldman Sachs was declined. They opened up a new case ( XXXX ). 
XX/XX/year> - Dispute denied stating transaction was authorized. 
XX/XX/year> - Contacted XXXX XXXX again. They stated they were escalating with their finance department. Same case number ( XXXX ). 
XX/XX/year> - Submitted another dispute with Goldman Sachs Apple Card.
Product: Mortgage

I had a Home Mortgage with XXXX XXXX XXXX and became delinquent due to loss of income and my divorce. I was working with XXXX XXXX XXXX until my loan was transferred and they refused to continue the conversations and referred my to the new Servicer, Carrington Loans. They gave my numbers to contact Carrington XXXX. I have attempted many times and Carrington says they do not have my loan. I have not received a. loan transfer letter or anything in writing to advise me of my new loan # or their contact information and when I call Carrington Mortgage they say they do not have my loan. I am now in foreclosure with a sale date. I have not had appropriate communication from Carrington nor been offered HAMP or other options to allow me to explore those options. Last call made XXXX/XXXX/2015 at XXXX XXXX ( EST ) and they again stated they could not find my loan and then transferred my to their loan resolution department where I was disconnected. This is one of many times since I received foreclosure notification that I have attempted to contact Carrington and always wait and wait and get disconnected. I DO NOT HAVE NOR HAVE EVER RECEIVED MY CARRIINGTON LOAN # and they continually refer name back to XXXX XXXX XXXX who states they service transferred the loan in 2013.
Product: Debt collection

I received a notice of an debt collection for a company I did not owe a debt to. I called the debt collector to request information and contacted the original creditor, named  XXXX   XXXX . This is a company I have placed orders with through the name of  XXXX   XXXX   XXXX  and have my own account on automatic payment. I was told that the order I received debt collection information for was for an account and a name that are not mine.  XXXX   XXXX  sent me the invoice with information regarding this order, and it 's for another individual in my apartment complex with a different account # than mine.     I have attached the invoice, which has a different  A  mount Due (    XXXX   XXXX   ) than the debt collector,   XXXX  , is attempting to collect. The name on the account is not mine (  XXXX   XXXX  ), and the account # is not mine.     I have attached an accurate invoice for an order that was mine placed in  XXXX , along with the proof of automatic payment on my credit card that was charged for that order. I have also attached the paperwork sent from  XXXX  regarding the order that is not mine and for which the debt collector is attempting to collect on. Further, I have attached a copy of my accurate order history, which shows that no order was placed on the date of the invoice, on my account.     My multiple attempts to work this out with the debt collector and with the credit reporting companies have not been successful.  XXXX    XXXX   agreed that the order was not mine and said they would cease collection practices for an order delivered to my apartment complex but not to me and not placed by me. Please help settle this matter by removing the fraudulent collection from my reports and demand the debt collector to cease and desist. The actions of this company are illegal, as are the failure to properly verify the authenticity of the debt by the credit bureaus.
Product: Debt collection

To whom it may concern : I have three collection accounts on each of my credit bureaus from a collection agency named Midwest Recovery Systems the accounts are as follows : XXXX, XXXX   and XXXX : 1. Midwest Recovery Systems Date Opened : XX/XX/XXXX 2. Midwest Recovery Systems Date Opened : XX/XX/XXXX 3.Midwest Recovery Systems Date Opened : XX/XX/XXXX Please be advised that I am disputing these collections due the fact that ; Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Does not currently have a valid license in Florida to collect on  debts. This information is stating that their license is currently Revoked/Voided according to Florida Office of Financial Regulations XXXX XXXX XXXX XXXX XXXX, FL XXXX I am requesting that you investigate this matter and delete these accounts from all three of my major credit bureaus as per request to remove the above items from my credit report immediately or provide me with physical proof that XXXX XXXX XXXX are licensed to collect debts in Florida. 

Your immediate response will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting me as 120 and 180 days past due XXXX XXXX  account that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount. 

I have listed the account number for reference : 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 have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX, XXXX. 
Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : # XXXX Account name : U.S. DEPARTMENT ON EDUCATION Account number : # XXXX 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 7 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.

15 U.S.C 1681 b- permissible purpose.
Product: Debt collection

I, consumer, applied to Apartment complex for lease. XX/XX/year>, paid in full {$300.00}. 

XXXX in XXXX, managed by XXXX, failed to properly provide an official decision to applicant within contract timeframe, breached contract. 

I, consumer, disputed charge with the bank due to service not being provided as contracted. Bank issued complete refund as investigation provided agreement that service was not properly provided. 

XXXX sent a moveout notice with bill of {$370.00} while consumer NEVER resided there. Consumer disputed this statement with merchant. Merchant went on to change amount and rebill again and never responded to the rebilled dispute, as Nothing is owed to them. No service was ever properly executed with written documentation etc. 

Merchant sent to credit collection agency and reported negative information in consumer file. 
This is FRAUD.