23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/18 I called Wells Fargo because I never used XXXX on mobile banking and wasnt sure how it worked or if it was secure if never receiving a item. Im a college student and I was trying to buy a puppy that happened to be online. XXXX $ was transferred to purchaser after I was assured by my bank. My mother bought her dog online and had hers flown via airplane on a different website so I didnt think. I signed a contract with purchaser and told Wells Fargo in case I never received this dog would I be able to get my money back I was told yes by customer representative that if I didnt get it by that week of Friday as expected to call. After transaction was made the website micropupsforall went down. I immediately called Wells Fargo and filed a claim but was told it is very unlikely I get my money back from another representative and was explained which I wasnt explained before that XXXX is only a money transfer like cash app I spent my hard earn money on a puppy I never received. The scammers number is still working and hes probably scamming other people. I still have all texts and emails. I have filed a police report in this process
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructionsXX/XX/XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Checking or savings account

I spoke with Bank of America on XX/XX/XXXX. There was {$1500.00} in unauthorized transactions done from various online businesses. I told them to cancel the card and these transactions were never allowed. 

They credited me back this amount. Now today I receive a letter in the mail that says they are retracting on what they said. They are removing the credit, going to take {$1500.00} out of my account which I don't have and they even allowed one of the transactions to be posted to my account again! 

They charged my account on XX/XX/XXXX from XXXX one of the charges I challenged and said was never authorized for {$27.00}, then they charged me an overcharge fee of {$35.00} to boot! 

This is so illegal, fraudulent and they should be sued for deceptive business practices. 

Also I tried to make a deposit in the amount of {$750.00} written out in a check. Bank of America rejected the check. The check didn't bounce. There were funds in the other account as this was my account. This then caused me to be over drafted several times resulting in another {$210.00} in charge fees.
Product: Credit card

I reviewed the last response from AMEX and have made several complaints through CFPB in addition to the disputes I filed with the company dating back to XX/XX/XXXX. I continue to ask for the company to report accurately to the credit agencies that I closed my account in XX/XX/XXXX. The company did not report my account closed until XXXX XXXX  XXXX. In your last response, you say that you are required to report factual information to the credit report agencies. On this point we agree and in accordance with the Fair Credit Reporting Act, I need you to report accurately to the credit reporting agencies that I closed my account in XX/XX/XXXX, not XX/XX/XXXX. Why is it not being accurately reported to the credit reporting agencies that I closed my account in XX/XX/XXXX? I was, subsequently, disputing the interest and late fees but, ironically it was not until my first complaint with CFPB on XX/XX/XXXX that AMEX finally reported my account as closed. In addition to why isnt it being reported accurately that my account was closed in XX/XX/XXXX, why was my account not closed until I complained to an outside agency? I have asked this questions multiple times and in multiple ways in my previous internal disputes and external complaints with the CFPB and have yet to get a direct answer or fair resolution. 

Additionally, I received a letter from AMEX on XXXX reporting a technical error on my account that may have affected the interest and fees on my account. I have attached that letter. Given that mistakes are made, as we are all human, perhaps it was a technical error not to accurately report my account as closed in XXXX XXXX  XXXX to the credit reporting agencies. Regardless of the cause of the prior issues with the interest and fees, please accurately and fairly report to the credit reporting agencies that my account was closed in XX/XX/XXXX and that the above technical error reported to me on XXXX contributed to the inaccurate reporting of the past due amounts and have that information reported accurately to the credit reporting agencies. 

My 16 digit AMEX Account identifier is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit lines with Comenity Bank have been incorrect since XXXX. The billing history and amounts are not reporting correctly. I made 3 formal complaints for resolution. On my last attempt the agent made a mistake trying to correct the issue and ran 4 new credit inquiries negatively impacting my score. They promised to correct this and it has been more than 30 days with no action taken. This cost me my refinance and has caused undo hardship,
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX, XXXX, L ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$61.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Student loan

Sallie Mae put me on a payment plan, cancelled the payment plan and said Im not eligible to be on a payment plan unless I pay my balance in full? Then they are calling my father, my mother, my sister in law, my mother in law, my sister and MY NEIGHBOR with my personal information.
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 me to investigate my claims adequately. They informed me the recovering lost funds was impossible and that tracking 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 consumers safety.
Product: Checking or savings account

Bank of America took {$1.00} from my Checking account at   XXXX   XXXX   without my Permission,, I called  XXXX   XXXX   XXXX   and ask about the withdrawal and they said that Bank of America gave no reason for the withdrawal and t hat BofA ha d the routing number and Checking account number. I then called Bank of America and ask them about the withdrawal from my  XXXX   XXXX   XXXX   account,,, I was on the phone wi th BofA for about 30 minutes, transfer 3 times and they said they couldn`t find any reason why BofA would take  {$1.00} from my  XXXX  Checking account and that I needed to check with  XXXX   XXXX   XXXX    , , I t hen ask then who gave them permission to withdraw the money from my   XXXX   checking account and where they got my routing and checking account numbers, they COULD not tell me,,,,, My   XXXX   checking account shows the {$1.00} withdrawal to Bank of Americ a on   XXXX   XXXX ,   XXXX  ,,,, , ,NO offer o f returning the money has been made,, I WANT MY MONEY BACK,,, a nd one more thing, the phone call to Bank of America , where I was transfer 3 times, was also recorded by Bank of America , I believe that  was on  XXXX   XXXX  or  XXXX ,   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit reporting agencies have the power to ruin your credit without abs repercussions. I have repeatedly asked them to remove items off my credit report that I know I dont owe. I asked them to remove all those names of my credit report, it hasnt been done, I have asked them to remove addresses that are not mine and they have not done it yet. You E here to protect my rights as a consumer and I feel this is not happening. This has been an ongoing issue for XXXX XXXX  people since close ever. Stereotyping me is not only unconstitutional it needs to stop. Youre here to help, but I noticed this is not whats happening. I have yet to receive one piece of concrete evidence in regards to any of these matters. Yet my credit report looks like XXXX, no matter how hard I am trying to clean it up. The huge difference in the scores are unbelievable, Equifax has me at XXXX, XXXX has me at XXXX, while XXXX has me at XXXX. Please explain how can this be so off with them, yet everyone uses them for accuracy in getting my credit score. I have tried to call them repeatedly, their customer service representatives are rude, disrespectful and unprofessional. They feel they can do whatever they want because no one has challenged them to the full extent of the law. Enough is enough abs this has gone on for way to long. All Im asking is for you to do your job and help me as a consumer without leaning over to their side. This does not help me. I need this problem fixed right now and I dont want to keep asking. Im a XXXX Veteran with XXXX and a XXXX XXXX my rights have been completely and utterly disregarded.
Product: Money transfers

I found a puppy to purchase out of state - XXXX XXXX, Minnesota. The ad was on XXXX. After several conversations/emails/texts with the seller, I decided to purchase the puppy. She said she would handle the shipping. The only thing I needed to do was provide the crate rental fee - {$650.00}. This was through a company called XXXX. 
The shipping company representative contacted me and asked for payment. He then told me that their credit card machine was n't working and that I need to go to MoneyGram and send the money if I wanted the dog shipped. They provided me the form for renting vs purchasing. I chose to rent with 95 % of fund returned when they received the crate. I receive a tracking number that I could place on their site to see where the puppy was. 
The next day, I received another email from XX/XX/XXXX stating that the puppy was at the XXXX XXXX ' airport and that the paperwork for the puppy was insufficient. They needed {$450.00} to get all of the health approval and shots before they would ship to our home. The email also had a threatening Gov. Reg notice on animal abuse saying I could be subject to prison. I was suspicious and checked their website. The site said they made sure that all paperwork for pets were approved before shipping. I asked the XXXX Rep to speak to a supervisor. He hung up on me and I never heard back from them. 
The seller responded to my texts asking us to pay the money and she would pay us back. We told her to pay the money since it was part of the agreement. She said she did n't have the money but was trying to find the money. Then we did n't hear from her. 
I do n't know if this is XXXX big scam or XXXX ... sounds like it 's XXXX big scam. 
I lost {$1000.00} from this scam. I realize now after writing this that there are so many indicators that should have been red flags for me but I was so excited about the puppy. 
Here is the name of the puppy seller - She provided us with this info for the MoneyGram payment : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX Phone : XXXX email : XXXXXXXXXXXX XXXX Ph : XXXX XXXX XXXX Email : XXXXXXXXXXXX Website : XXXX
Product: Payday loan, title loan, or personal loan

I have been a customer of Navy Federal Credit Union for 6 years. They continue to take advantage of veterans using unfair business practices and misleading information. 

I did a lot of research for getting a debt consolidation loan and collected my balances, income information, and various other documents in order to apply. 

When I applied online, I was not given the option to even provide this documentation and was automatically denied by their automated system. Usually with banks they will at least evaluate the situation in order to find the best solution. Instead I was just treated not like a person at all. 

After contacting the bank they refused to work with me, or hear my case out. 

I've had several issues with Navy Federal over the past 6 years and feel like they take advantage of veterans by advertising they specially cater to them when in reality they don't.
Product: Mortgage

Guild Mortgage company promised a lower rate for our mortgage. They ended up stating that because our house was worth {$3000.00} more we had to pay them the difference. We declined because our house was worth less then what we paid due to roof leaks, foundation leaks and misalignment, as well as neighborhood quality declination. They ended up charging us {$540.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion for willfully and negligently reporting inaccurate information on my credit report regarding my XXXX XXXX account # XXXX. Despite multiple disputes and the submission of supporting evidence, TransUnion has refused to correct this erroneous information, directly violating my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Details of the Violation : TransUnion is incorrectly reporting a late payment on my XXXX XXXX credit card, which never occurred. 
I have provided clear and verifiable evidence that XXXX, another major credit bureau, correctly reports no late payments for this account. 
TransUnions failure to correct this error is an intentional and reckless disregard of its duty to report only accurate and verifiable information, violating 15 U.S.C. 1681e ( b ) of the FCRA. 
TransUnions inadequate investigation and failure to correct this error also violate 15 U.S.C. 1681i, which mandates a reasonable reinvestigation process. 
Consequences of TransUnions Violations : TransUnions continued misreporting of inaccurate late payments has damaged my credit profile, preventing me from obtaining credit and financial opportunities. This has caused undue financial and reputational harm, and I am prepared to seek legal action if necessary. 

Relief Sought : I demand that TransUnion immediately remove the inaccurate late payment from my XXXX XXXX credit card account and provide written confirmation of the correction. If TransUnion fails to comply, I request that the CFPB take enforcement action against them for repeated FCRA violations. 

Please consider this matter urgent, as TransUnions actions are actively harming my financial standing. I appreciate your prompt attention to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CARDS XXXX XX/XX/2023 XXXX XXXX NA XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed 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 payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 Funds Trasnfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Navi ant has not applied loan payments correctly, not applied payments at all, and given me misinformation on my loan. Also, when I applied for my loans they told me i would only qualify for private loans, and being a novice at the process I took their word. So now Ihave $ XXXX in student loans and work in an XXXX where i would have been able to have loan forgiveness, but since I have private and not public loans, I have to pay the whole thing back.
Product: Checking or savings account

On XX/XX/2023, I went to a Wells Fargo ATM at XXXX to make a withdrawal. I initially attempted to make a withdrawal for {$200.00}, all XXXX dollar bills, no receipt. I received {$60.00}. I thought I must have pressed the wrong button so I made another attempt at a withdrawal, this time in the amount of {$150.00} with a receipt. I again only received {$60.00}. I looked at my online account and it showed both transactions, {$200.00} and {$150.00} respectively. I immediately called Wells Fargo and filed a claim, explained what happened. They told me it would take up to ten days to get my money back. I followed up a couple of times and was told they are investigating. After the ten days had passed, I called the claims department on XX/XX/XXXX. I was told my claim was denied and would not be refunded. I explained to them again what happened, and I got the same response. This is unacceptable, I got robbed by the same bank that I have trusted with my money. Im not sure what else I can do. Please help me get my money back. Thank you
Product: Credit reporting or other personal consumer reports

i have sent in numerous certified mail asking to remove these collections and inquires off my account that i dont recognize and also is inaccurate. they fail to provide any proof that the companies has consent to furnish my private information. nor did they provide me with any details of the reinvestigation of this account.
Product: Credit reporting or other personal consumer reports

My account with ALLY FINANCIAL was never late! I have had exceptional payment history witH ALLY FINANCIAL and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed 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 payment due date.

ALLY FINANCIAL Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I have been getting these collection letters from an agency called L.J. Ross and Associates in XXXX these letters have charges up to I believe XXXX dollars on them they say from a light bill which I know is not true because my light bill is current and paid on time monthly and I know a light bill company would never let anyone get a bill that high without cancelling the service. I dont have a contract or recall ever dealing with this collection agency and would like to know why are they sending me bills that dont belong to me or I believe they have the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX added a hard inquiry to my account. I did not authorize this. I called them to have it removed, but they say that they don't have any record of anything related to me or my SSN. They refused to do any work to resolve the issue. I called Transunion and they also refused to do any work to resolve the issue, and said that I needed to submit a report here. What a terrific process, having to contact three different agencies and fill out multiple forms in order to correct a mistake that I didn't even make. Really great stuff.