23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received an email from an individual XXXX XXXX on XX/XX/22. She was asking if she could order product from me as I am a XXXX XXXX. She sent me her order and then asked for my Zelle Account. I received an email from Zelle stating that she needed to send another {$200.00} so that I could upgrade to a business account. ( The original amount she said she tried to send was for {$300.00} ( the wrong amount to begin with ). I contacted my bank immediately to find out why I would be asked to upgrade. The bank said it was a scam. XXXX also sent me a phone number XXXX and her email address : XXXX. The email from Zelle came from : Zelle pay XXXX. My bank said it was a scam and I should delete all contact information from them. I wanted to send to you before I deleted. I continue to receive text messages asking me to email zelle and upgrade. 

Here is a copy of what I received : You only have to Enroll to a Business Zelle Account to receive {$300.00} from XXXX ENROLL TO RECEIVE Important notice : this payment has been withheld and filtered by our agents for further verification and has also been declared PENDING because we noticed the status of your Zelle account has been limited and hence not a business account so we cant initiate the transfer but we want you to contact the sender of the payment to send in an additional payment of {$200.00} to your Zelle so it can be upgraded and changed to a business account then the sum of {$500.00} will likewise be credited into your account effectively once the additional payment has been secured back to the sender. 

Note : XXXX has also been emailed regarding the HOLD on the transaction, your account upgrade because this transaction will be monitored by our withholding agents and also insured with a HARDCOVER INSURANCE POLICY You will receive a CONFIRMATION EMAIL or TEXT from our Zelle team informing you that the funds have been credited into your account. 

Terms and conditions apply Zelle is a fast, safe & easy way to send money to and receive money from friends, family and others you trust. 

For more information, please visit https : //www.zellepay.com Zelle Logo
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX Information Solutions , Inc. ( hereinafter referred to as " EQUIFAX '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to EQUIFAX requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$510.00}. The FCRA mandates that the credit bureau, in this case, EQUIFAX must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information. 

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I have care credit card through syncrony bank.This card is used for pet needs medical needs only. 

When I use the card and the purchase is over {$200.00} you are offered XXXX interest in 6 months or 12 months depending on where you use the card. 

I have had this card for years. I faithfully make payment. And maybe I am just noticing now but the payment allocation does not seem right and seems like shady practice. 

I had scheuled payments to pay off a balance on a promotion that was ending XX/XX/2024. 

I was looking at my account and the balance left on the promotion didn't seem right. I chatted with synchrony and they advised my {$100.00} payment- the minumum due was applied to XXXX promo and the remaining portion of my payment was applied to a promotion due XX/XX/XXXX. 

All of the balance on my card have promtional due dates with XXXX interest. I do not use this card for normal purcheses. 

When questioning again asking for documentaion regarding payment allocation the person advised that the minimim balance is applied to the promotion that is due and the remainder is applied to regular purhcases. I don't have regular purchases ; only promotion, but they still applied it to a promotion that was not due for months later. 

I was told to call or chat after every payment is made so they can reallocate my payments the way I want them. 

This is so much extra work on the customer. if the customer does not call it will take longer and more payments to pay off the promotion that is due XXXX. And if a customer doesnt notice they are putting the customer at risk for being slapped with back interest on promotions not paid on time. 

One person told me it takes 2-3 months for the payment to be allocated correctly, where aother person tells me its 48-72 hrs. 

I am not even sure what information is correct at this point, but I was not provided any documentation or shown where I could find it on the site
Product: Mortgage

I would like to file a complaint against Wells Fargo Mortgage for what I believe is fraud. I purchased a home in XXXX of XXXX in XXXX, Georgia ( XXXX XXXX XXXX XXXX XXXX for {$210000.00} and used Wells Fargo Mortgage as my lender. Wells Fargo sent an XXXX out to appraise the value of the house and the house appraised for {$210000.00}. I applied for a conventional loan which included PMI. 
At the time of purchase, the basement was unfinished and the square footage of the house was XXXX square feet. I have since had the basement completed to include a full bathroom, a full kitchen, a bedroom, a living room, a game room, and a theater room. The square footage on the house is now XXXX square feet. 
I contacted Wells Fargo to have the PMI removed from the mortgage and Wells Fargo sent out an XXXX to appraise my home. The XXXX spent approximately XXXX XXXX XXXX XXXX minutes in my home appraised it {$210000.00}. I contacted Wells Fargo to dispute the appraisal and I was told that home sales are down. I had my own appraisal completed and found that XXXX homes in my community, similar to mine, sold for {$290000.00} and {$270000.00}. The XXXX that Wells Fargo used did not compare homes that were in my community, instead, homes in an adjacent community that have lower valued homes were used. 
I believe that Wells Fargo is committing fraud against homeowners by using their chosen appraisers to appraise homes for loan values and then using their appraisers again to appraise homes at lower values in order to charge consumers unnecessary fees. I request that my complaint be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I submitted the following letters to the following credit reporting agencies and as of XX/XX/2022 they have not updated the information and are therefore in violation of the the USC 15 1681 law by not reporting accurate information. I requested that they provide an investigation and to update the inaccuracies in reporting including deleting all fraudlent activity that is a result of being a victim of Identity theft. There inaccuracy in reporting is attached with the credit report dated XXXX without the updates that was listed on letter dated XX/XX/XXXX. XXXX. A clear violation of the fair and credit reporting act and causing me to severe distress and inability to acquire and obtain credit. I appreciate to receive updated and accurate reporting on a new credit report from both XXXX and Equifax reflecting the corrected and accurate reporting because they are in clear violation and as a consumer I will be seeking litigation if they continue to report false information.
Product: Mortgage

We want XXXXXXXX XXXX XXXX  investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX  XXXX We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX k now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca XXXX acct # XXXX XXXX XXXX XXXX *
Product: Checking or savings account

According to Citizen 's Bank Peace Of Mind overdraft fee, a person needs to have by the day after by XXXX need to cover the amount your account was overdrawn by the previous so as not to incur an overdraft fee. 
On XX/XX/2023 my account by days end was over drawn by {$78.00}. The following day I made 2 deposits ( {$40.00} + {$46.00} = {$86.00} ) leaving me with a {$7.00} balance. Later that evening a {$62.00} pre-authorized debit went through this leaving me with - {$54.00} balance. The day after I then deposited {$60.00} to cover my negative balance and to take advantage of their Peace of Mind Overdraft protection and to avoid paying {$35.00} in fees. I should have had a {$5.00} balance I saw though that I was not credited for the overdraft fee from the prior day even though I had made the deposit to cover it so I contacted costumer service to find out that the fee remained because I had a negative balance due to the {$62.00} pre authorized debit later that evening.

This is not in keeping with their Peace if mind policy. I brought my account to a positive balance the day after as their policy states to cover the overdraft amount of XXXX. Then as you can see in their debiting of my account a charge if {$35.00} when I had a {$7.00} balance. Why? I had a positive balance as their policy states. 

This then overdraws my account to - {$27.00}. Then they deduct the {$62.00} pre-authorized debit. So their contention that that the overdraft of {$62.00} causing their fee is wrong as can be seen in the included attachment. 

I honored their Peace if mind policy by bringing my account to a positive balance the day after my XXXX XXXX overdraft the day after. 
I also brought my account to positive balance after what should have only been a - {$62.00} overdraft to what should have been a positive balance the day after as well. So I honored their policy of having the account brought positive both times. 

Why was I then charged {$35.00} after I had a positive balance on XXXX? 
Citizen Bank then further overdrafts my account to then the {$60.00} deposit I made after the overdraft which should only been {$54.00} because I had a {$7.00} balance. So then the the {$60.00} deposit should have left me with a positive balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged onto the Experian website to dispute information on my credit report report number XXXX and I could not get past the spinning portal. I have 34 entries in my credit report personal information side which I gave them no authority to furnish. This was also a violation of my privacy. 
According to U.S.C. 15 1692 ( k ) there are monetary remedy for these damages. 
{$1000.00} per not to exceed {>= $1,000,000}.
Product: Mortgage

I am apply for a mortgage modification for the 10th time in the past two years. I am denied for my forbearance request and have proof of unemployment. I have enough income to cover the mortgage and utilities and am still being denied the forbearance. I believe that i am entitled to the forbearance request and am being denied as the servicer tries to earn fee income and compounding interest on the holding of my note
Product: Credit reporting or other personal consumer reports

Noticed there were several hard inquiries that did not belong.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I contacted the support line for CashApp for a refund on an unauthorized charge and the support line said they were having connection issues and that they were going to work with their third-party providers about the situation and I never received a refund. There was no 1-800 number to call so I couldnt get my money back. 
The only thing they responded with almost a month later, was with instructions on how to dispute a purchase ( which I already did thats why I was led to the chat support ) and it was not helpful at all. This has happened a few times with disputes or me not being able to get the money i deposit into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CB/VICSCRT XXXX Date Opened XX/XX/2016 Balance {$0.00} Im unsure about the accuracy of this reporting. There are two different dates of date opened and three different dates of last activity reporting. I am certain that this kind of reporting is a violation of the FCRA. Your agency needs to look into this account to verify every single piece of information and to see if this account is verifiable.
Product: Credit card or prepaid card

On or about XXXX XX/XX/2021, a day after the total balances on both my Chase XXXXXXXX XXXX were paid off, both cards credit limits were decreased. My XXXX card was reduced to XXXX, and my XXXX card was reduced to XXXX. Both accounts were, and are in good standing, never having a late or missed payment. Usage reflected large charges related to home improvements, consistent with previous usage. Historic usage patterns reflect both cards being paid off in full multiple times. In spite of also having had high balances on her card, my XXXX did not have her line of credit reduced. My name is XXXX XXXX, my XXXX name is XXXX XXXX. I believe my decrease is directly related to my name/ethnicity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I guess my problem is easy enough to fix but I don't know how to or who to call. I applied for credit at an online store and I'm sure I would have gotten it but they were informed that I had placed a credit freeze on my file. I never have!!! It says that it's Equifax credit that told them that. Can you contact them after you see it's not frozen? It's from XXXX XXXX, Phone number is XXXX and my order number is XXXX. Some things I ordered are for XXXX gifts so I'd appreciate it if you can call them to get my order started. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full and I have the canceled payment information to prove it. This company has been contacted countless times and refuse to provide any information on my case. The three credit bureaus refuse to remove this account and also refuse to ask for a method of verification.
Product: Money transfer, virtual currency, or money service

XXXX We wired {$2500.00} to Shellpoint for mortgage payment XXXX They say they have not received it. Our bank provided Shellpoint with wire information on the transfer. They keep asking for " copy of check ''. We have told them that it was not a check that bank the bank sent but a wire transfer. We have asked repeatedly for help in resolving matter for previous XXXX months. We have repeatedly asked for a call back from a supervisor to help solve matter. 

They refuse to give us any visibility as to how or when this will be resolved.
Product: Payday loan, title loan, or personal loan

A supposed debt collector is trying to say I didnt pay cash call when In fact cash call sold my debt and I paid off that debt collector now theyre harassing me
Product: Credit reporting or other personal consumer reports

These Accounts It maight not be mine so Delet these accounts frome transunion reporting agency according to Fcra section ( 15 u.s.c 1681c-2 ) So Am Requsting a Deletion of these Fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I had a balance of {$21.00} And I paid my bill in full on XX/XX/XXXX. I also called in the same day because my bill was due on XX/XX/XXXX and I was late. I typically do not carry a balance monthly with XXXX and I thought my bill was due on XX/XX/XXXX I spoke with a representative and she advised me I would not be charged a late fee and they would waive it as a courtesy and I would not be reported to the credit bureau as being late. What has happened is the rep never waived the late fee for me in XXXX and for the next seven months going forward since XX/XX/XXXX to XX/XX/XXXX I have been charged a late fee every single month! And I also received a letter that my credit limit has dropped from $ XXXX {$3000.00} and now my credit limit is {$100.00} I have called every month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX for this to be fixed and they all told me they couldnt help me and I told them that I am not paying seven months of late fees as I do not carry a balance on my credit card I paid that. Finally on XX/XX/XXXX I spoke with a supervisor XXXX and he made me pay {$22.00} and he waive the late fees and brought my balance to XX/XX/XXXX he also told me he would fix with all three credit bureaus and I also sent in a letter which they asked me to for them to fix my credit reports not report me as being late on all three of my credit reports it shows my account being negative. As of today XX/XX/XXXX my account still shows negative on my credit reports and my credit limit is only {$100.00} and nobody has fix this yet
Product: Credit reporting or other personal consumer reports

The account is accurate, without providing any evidence of a thorough investigation this practice violates the fair credit report act ( FCRA ), 15 U.S.C 1681i which mandate a reasonable investigation of disputes I request that CFPB take action to ensure that XXXX, XXXX, and experience complies with the federal law and provide consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A REQUEST OF VALIDATION. THIS COMPANY HAS YET TO RESPOND TO MY PREVIOUS ATTEMPTS TO PROVIDE A CONTRACT SIGNED BY ME BETWEEN THEM AND I. NO DEBT CAN BE COLLECTED WITHOUT THE PROPER STEPS BEING MADE. PLEASE SE FCRA SECTION 609 ( A ) 1 a
Product: Credit reporting, credit repair services, or other personal consumer reports

have been effected by COVID-19 due to lost of employment. I informed Schrony bank ( Pep-Boy ) of this information and still continued to make payment on account. My account closed when payments were being made. It is my understanding that creditors should not do anything negative to consumers credit during this pandemic for those who were affected. You used information reported during a Pandemic and not based on my paying history. Your closing my account with a remaining balance has cause a negative impact on my credit report. According to Schrony Bank, Information was given by XXXX XXXX that acccounts were reported negatively in XX/XX/2020. All negative items were disputed and corrected by other creditor and XXXX XXXX continue to report negative information against the Care Act Bill. after I provided information from the creditor showing negative information was being removed from credit report. This information was provided to to XXXX through previous CFPB complaint filed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 tracking these transactions was unfeasible. The CFPB 's 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 raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I received noticed from XXXX that they had verified the accuracy of Bankruptcy XXXX being reported on my credit file on XX/XX/XXXX. After asking XXXX to validate and verify this account, XXXX stated that " The furnishing agency verified that this information was correct ''. I have contacted the courts in question and was provided a letter from the Deputy-in-Charge stated that they do provide information to the credit agencies, therefore XXXX did not properly investigate or validated this record. On XX/XX/XXXX I received a letter from XXXX Confirmation # XXXX, stated that they had concluded and verified a Bankruptcy recorded reported on XX/XX/XXXX. Please see the attached letter from the US Courts stating that they do not validate or provide information to credit agencies, therefore XXXX did not properly validate this information. On XX/XX/XXXX I received a letter from TransUnion file # XXXX stated that had verified information with a reporting agency. Again, according the US courts, they did not provide TransUnion with such information and therefore, this information was not properly verified.