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

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT : IT HAS BEEN GOING ON SINCEXX/XX/XXXX THATS OVER 1 1/2 YEARS. 

i filed yesterday a cfpb # XXXX and yet today i found another proof of what has taken place by the wells fargo bank. In my online account on credit card # XXXX They actually states that the account was created onXX/XX/XXXX I have attached the bank on line information and you already have the proof of signed letters from the executive office personnel this account was closed on XX/XX/XXXX and another lie that it was closed onXX/XX/XXXXand created over 50 transactions. i have tried to get statements dating back and they refused and not allowable. 

Attachments Scan2pdf.pdf ( 1 MB ) XXXX Account Profile.htm ( 24.5 KB ) Hide full complaint What product or service is your complaint about? 








PRODUCT OR SERVICEChecking or savings account TYPEChecking account What type of problem are you having? 






















Issue Managing an accountHave you already tried to fix this problem with the company? Yes What happened? 





They never bother to repond to the complaint I filed and I added the proved with the signatures as well. The complaint # is : XXXX all you need to do is pulled the attachements for the proof of all the lies the banks has created. I have filed two lawsuits with XXXX  that wa sprovided by wells fargo as well and denied the offer of {$2400.00} by mediations from the bank and even got {$500.00} check {$48.00} i filed yesterday a cfpb # XXXX and yet today i found another proof of what has taken place by the wells fargo bank. In my online account on credit card # XXXX They actually states that the account was created on XX/XX/XXXX I have attached the bank on line information and you already have the proof of signed letters from the executive office personnel this account was closed on XX/XX/XXXXand another lie that it was closed on XX/XX/XXXX and created over 50 transactions. i have tried to get statements dating back and they refused and not allowable.
Product: Payday loan, title loan, or personal loan

I obtained an installment loan with " Cash Store '' over 4 years ago. My initial payoff was {$390.00}. The company apparently closed in 2020. Randomly last month I received a writ of garnishment but I was never served any notice. The company garnishing is fictitious.
Product: Prepaid card

Tried to activate a gift card I received from a friend. I proceeded to : XXXX. Got an error message it can not be processed. Tried to call customer service # XXXX on the back of the gift card. The rep asked which state the card was purchased. I said I do not know since this was a gift card received from a friend who travels. She said she is unable to help me activate the card since I do not know which state the purchaser bought the gift card. I explained that it was a gift received and that I didn't purchase the gift card so I do not have this information. She reiterated that she couldn't help me. I called the number to get another agent who then asked me to go to the website above and fill out some info for users that are unbale to use card because the card was flagged for fraud. I tried to fill out the info with name, address etc but the site was not processing. He kept insisting I need to upload my drivers license or photo id to get a replacement card and the site will not let me upload any documents so he asked me to fax. I just want a new card or for the current card to be activated so I can use in store or online.
Product: Debt collection

This account was stolen by Portfolio Recovery Services and used under pretenses. It was covered by XXXX XXXX and resolved with the original credit grantor, namely XXXXXXXX XXXX  The bank has requested the return of this account as it was incorrectly listed as a collection account before the merger of XXXXXXXX XXXX The debt collector is aware of these things and has been trying to collect monies that are not owed. 

I have requested proof on several occasions to validate the origination of the bill, how this was assigned, the bill of sale, and receipts to validate the debt. I asked for the arbitration clause from the agreement to be sent so it could be applied to the insurance agency where the payment was remitted for theft. 

The company has refused to send me anything and keeps reporting inaccurate information to the credit bureau, impacting my job clearance. This debt collector keeps running inquiries against my name and social where it was not given to them to do so or conduct any business.
Product: Vehicle loan or lease

I took XXXX to XXXX XXXX XXXX XXXX ( Texas ) looking for a vehicle I could drive for XXXX. The Finance manager, XXXX XXXX, told me the payments for the car a salesman showed me would be about {$580.00} a month. I told him I couldn't afford that much, so he said " Let 's try this '' and asked me to sign the loan application blank. I did so, and he told me to take the car home because they had kept me there until closing time. 
A week later I received the loan approval in the mail, stating that the payments would be {$680.00} a month. My insurance company said the insurance would be about {$500.00} a month. I called the dealership asking to return the car and XXXX ,. XXXX said it was no longer their responsibility, that they sold it to Chase Bank. I tried to contact Chase and had to wait until the loan information was in their computer to discuss it with them. 
When I was finally able to talk to someone their representative told me they would sell the car for me but I would have to sign a letter stating I would pay the remainder owed. 
After receiving a late notice for the first payment I called Chase and asked them to sell the car. I just received a bill for {$12000.00} from chase and the auto insurance cost {$910.00}, plus losing the {$1000.00} down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection in the amount of {$5600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am negotiating a settlement with XXXX and therefore XXXX XXXX should not be reporting this account. I have attached documentation for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Vehicle loan or lease

In XXXX XXXX, I received an equipment loan through Financial Pacific Leasing Inc for a semi-tractor truck ( XXXX XXXX XXXX ). The truck was XXXX, after taxes and fees, it totaled around XXXX. I had to put down XXXX because Financial Pacific Leasing only committed to covering XXXX of the XXXX loan. In addition, I had to put down {$2800.00} on the XXXX loan. At this point, I had invested {$20000.00}. But unbeknown to me, the contract did not acknowledge the total amount, interest or percentage paid toward the loan or any verbal expression of it. This whole process started when XXXX XXXX XXXX had a special offer if you get financing through them. This special offer was first payment would be in 60 days. You were required to place at least 10 % down. However, when I started the process, I was referred to deal with XXXX XXXX XXXX XXXX, which is a finance brokerage company. The broker, XXXX XXXX, got all my information, and then told me that Financial Pacific Leasing Inc will finance my truck. When I went through the process, no one explained anything to me about the total amount. On the contract, it states how many months and the amount but failed to explicitly express the total amount or if it can be paid off early. How I found out? I recently called to inquire about my balance, and when I was told that it was XXXX, I was in total shock. In confusion, I asked, " '' How much was my total loan, '' she said XXXX. I became emotional and asked, " Why is my loan so high when it was XXXX? '' She responded by saying, " We don't do percentages or interest but amounts. '' I was in awe. The conversation rumbled on but to no avail. She sent me the contracts and agreements which I had. Nonetheless, she failed to explain to me why I wasn't advised of the total amount and the entire process of their calculation. When I reflected on the entire episode, there was permanent information that was not shared with me. On the agreement, the total price is not shown. I believed I was taken advantage of because I was not told of the total amount and/or if I can pay it off early ( without having to pay the entire XXXX loan ). I believe this was all intentional to mislead and deceive. If I didn't call in and inquire, I'll be in the dark about their practices. Their communication is horrible. I called 3 times to report hardship, and each time I spoke to a representative about my hardship, I was put on hold and then the phone will hung up.Their website doesn't disclose any information about your loan. You have to call and request any documents. When I requested balance information, I was given a monthly payment sheet. My answers were never answered properly or I was given the cold shoulder. They have not been of any real help. I filed a complaint with the XXXX, Federal Trade Commission, and Georgia Attorney General for help. This agency was referred to me by the AG. There are many complaints similar like mines on XXXX  and XXXX about Financial Pacific Leasing. This experience has not been a good one and I just want resolve and fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/XXXX I contacted Mr.Cooper and explained I was having a financial hardship and I was looking for options to help me avoid missing a payment as well as damaging my credit history. I spoke with a representative, they reviewed my file and offered me the option of getting on a loan repayment plan in which they would apply my XX/XX/XXXX payment due to XXXX subsequent payment. They never verbally disclosed nor explicitly stated in their repayment letter which i have enclosed that would be hit with a 30 day late on my report. In fact, I have been charged late twice once in XX/XX/XXXX and again in XX/XX/XXXX. Additionally when I was enter into this plan my payment due date changed from a pay by date of the XXXX of the month to the end of the month.As you can see by my posted payments I have met these terms.Why are they allowed to offer me relief while still damaging my credit with late reporting s?????
Product: Credit card or prepaid card

The merchant used abusively  and fraudulently my credit card information both on its terminal and to pay his own bills. It has been 9 months since I'm trying to resolve the issue both with the merchant and Amex. I never swiped or authorized in a verbal or written manner any charge to my account neither I own any amount to this merchant. The merchant never produced any valid documentation.
Product: Credit card or prepaid card

In XXXXXXXX XXXX XXXXXXXX, I opened a secured Visa credit card with TD Bank by depositing {$5000.00} into a TD Bank Savings account. I have never paid late, nor have I ever had a returned payment. I spent just over $ XXXX on the card, used it responsibly and have had a XXXX balance for the last several months. In XXXXXXXX XXXX  XXXX, my credit score shot up XXXX points to XXXX and has remained at this level for the past 5 months, however the card is still " secured '' and my deposit is still frozen. I called TD customer service in approximately XX/XX/XXXX to inquire why my account is still secured and was advised its reviewed monthly by their computers, but the Rep. indicated she would " email upper management to manually review my account ''. After waiting a month with no response, I called in and spoke to another TD customer service rep. who advised he saw the notes in the account about emailing management, but was unsure who or what department the message was sent. This rep. also advised that many customers " get tired of waiting and just apply for a new unsecured card and get approved, then close their secured card and have the deposit returned ''. In the past 5 months, I have been approved by other banks including XXXX and XXXX XXXX for their luxury cards with high limits all with no issues due to my now high credit score. I called into TD again today ( XX/XX/XXXX ) and spoke to a rep. in the credit card department and was told there is nothing I can do other than wait. I feel as though TD Bank holds onto customers deposits as hostage for much longer than necessary. In the last 2 years I've twice had to pay their annual fee, and have paid them interest .... but TD Bank has paid me {$1.00} in interest for my $ XXXX deposit. I believe TD is engaging in the unfair practice of holding onto the deposits from secured accounts even after such accounts should no longer require secured status. This is an unfair business practice in which TD holds onto these deposits so they can profit at the expense of its customers.
Product: Money transfer, virtual currency, or money service

This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle, under violations of the consumer financial protection act ( CFPA ) And electronic transfer act ( EFTA ). Per the CFPBs lawsuit filed XX/XX/year> ( XXXX XXXX ), Zelle failed to implement adequate fraud prevention measures, and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Your claim of insufficient facts directly mirrors the lawsuits allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaint wants a proper investigation, not dismissal.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting the discrepancies, my financial institution, and Zelle failed to investigate. My claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible the CCPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeated offenders tooth through the system but leaving uses vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

By way of letter dated XX/XX/2019, Bank XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, FL XXXX, advised me that effective XX/XX/2019, my home equity line of credit would be assigned to Specialized Loan Servicing, XXXX, XXXX O. XXXX XXXX, XXXX, CO XXXX. As of today, XX/XX/2019, I have received no correspondence from Specialized Loan Servicing. XXXX XXXX XXXX has advised me that Specialize will establish a new loan account number for my loan. As of today I have no knowledge of that loan account number. My payment is due on XX/XX/2019.
Product: Debt collection

n accordance with the Fair Credit Reporting act AD ASTRA RECOVERY SERVICES Acct # 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 instructions
Product: Money transfer, virtual currency, or money service

identify you and your account. 
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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported my car as a charge-off and I have never been late.
Product: Credit card or prepaid card

I was pre-approved online for 3 of US Bank 's credit cards on XX/XX/XXXX. The offer I was given is attached. US Bank is currently, as of this today XX/XX/XXXX XXXX, running a {$150.00} promotion for spending {$500.00} in 90 days. It is open to the public for anyone who applies. My pre-approval offer had this {$150.00} promotion, 0 % intro apr for purchases and balance transfers, and an advertised rate of 20.24 % APR. I applied in the branch with my personal banker. When I called US Bank 's customer service line to find out my APR, I was completely shocked. I was given an APR of 23.24 % ( 1 % away from the highest APR offered ) and I have a XXXX Fico with XXXX  ( the bureau utilized ). Not only did I receive a very high APR, I didn't have the advertised " spend {$500.00}, receive {$150.00} bonus, '' attached to my account, even though it's available publicly. I also don't have the 0 % on purchases, only 0 % for balance transfers. 

I reached out to US Bank and faxed over a request to review my credit card offer. I also mailed a letter to their Cardmember Services address and corporate headquarters. I faxed over the documentation showing the promotion is available publicly as well. They responded by mail on XX/XX/XXXX that the promotion is targeted. Apparently the representative that reviewed my request, did not even notice their own website. I've exhausted every amicable solution possible. 

While I understand it's US Bank 's discretion to only provide me a {$1500.00} credit limit ( which doesn't reflect my creditworthiness ), I really feel deceived with the terms of this credit card and the lack of promotion that was not only targeted to me, but also open publicly.
Product: Vehicle loan or lease

Follow-up to case # XXXX - I have not been able to get any answers through Ally, I have spoken to several people, over and over again. No one seems to know what to do. I am having to repeat the entire situation with every single person I discuss the problem with only to be told I need to speak to another department. At that point I am either given another phone number to call or I am transferred. Then the cycle repeats itself all over again. I have been trying to resolve this issue with Ally since the first week of XXXX ( 4 months ) During several of the conversations with different people, I tried explaining that the dealer at one point would be willing to purchase the vehicle back for XXXX. Not an ideal situation for me however, better than the XXXX that I just received notice for which Ally sold the car for on XX/XX/XXXX, leaving me with a XXXXdeficiency balance. 

I do not understand why Ally had not tried to help me sort out my concerns and explore options for me to continue with my loan. Isn't that why most financial institutions call it their Repo AND REDEMPTION department. The only thing they sent me was a notification that they were going to sell it and then another notification that it sold. I tried numerous times to discuss my loan and my options but received no reasonable assistance even in the way of deferment, repayment schedules or refinance, all of which is commonplace in the automotive lending space. Additionally, Lenders are obligated to investigate and take action if a customer claims false pretext by the dealer as it relates to the sale of the vehicle to the customer. Ally did not. 

I am actually on the phone now with Ally, I have spoken to 3 different people already, and I am now getting transferred again. Can someone PLEASE help me with this already? ... ... ... So, I was transferred to the collections department, where the lady cut me off because she didn't want to hear my story, told me it's not Ally 's responsibility to assist me. That I needed to take it up with the dealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXXXXXX   INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

When i applied for the loan i was asked when are pay days. I told them fridays. 
but everytime they try to withdraw the funds its a wednesday. I have reached out to them numorous times to get the correct day but they ask for letters from HR and pay stubs with the new day. I have explianed its not a new day its the day i agreed to origanlly. They will not budge and its costing me a small fortune.
Product: Credit card or prepaid card

I recently checked my credit score and found I had a separate account since 2021 with capital one I closed my account fully paid off my payments were erased I tried to connect my XXXX account it wouldn't let me my account is still active but I'm locked out but can still log in I canceled my account months ago because of stealing my money locking me out of my account not giving me names when I asked my complaints were erased also when I called in I had to explain all over again