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

In late on the afternoon of XX/XX/2022 I deposited a check ( via mobile app ) into my Chase account in the amount of {$89000.00}. 

The following morning on XX/XX/XXXX at approximately XXXX XXXX  I logged into my account and the entire check amount was made available immediately for use in my account. 

At that time I proceeded to make several transfers to other business accounts held with chase and a single wire transfer to another party in the amount of XXXX. 

At XXXX XXXX, after having made the funds available to me, Chase put a hold onto my account after the fact, This made the account in which I made the deposit to have a negative balance of XXXX and change. The accounts into which I transferred the funds, all owned by different legal entities however did show that the funds were still available. 

On or after XX/XX/XXXX, Chase proceeded to withdraw without authorization the funds from 3 other accounts, the original transfers were completely deleted as if they never occurred. The wire transfer is the only of the 4 transfers made on XX/XX/XXXX that remained in my transaction history. 


On the morning of XX/XX/XXXX I went into the chase branch, I told them that I was upset, and that nobody forced them to make the funds immediately available, but that once it was made available and the funds were transferred they couldnt take these funds out without authorization unrelated entities accounts, the banker asked if I had contact info from XXXX XXXX, the bank from where the check was issued, I shared it, the banker called XXXX XXXX and XXXX  confirmed that the check was paid from their end on XX/XX/XXXX. The banker said that he was lifting the hold and that it would hit my account in 2 hours. 

Today XX/XX/XXXX the funds are still not available. The issues are as follows : 1 ) the bank can not continue to hold the funds unless there is reasonable concerns that the funds wont be paid, in this case Chase had direct communication with XXXX XXXX and no such concern exists, they have chosen to hold the funds in violation of Federal Regulation CC. 

2 ) once the bank made the funds available, they had no right to remove funds from unrelated entities, although they were not forced to make the funds available in XX/XX/XXXX Chase on their own chose to do so, there is no provision in Federal regulation CC that allows a deposit to be reversed once its made available when there has not been any information indicating any fraud whatsoever. Regardless of the above, the other entities are not a party to the funds availability, once transfers were made these entities must be able to rely that funds deposited and made available in their accounts are actually there to stay, they have not made any check deposits and can not be made a party to the hold policy of another account holder.
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 was 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 repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after my reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and Accounts being disputed : ( 1 ) Account name- XXXX XXXX XXXX XXXX XXXX -This account is showing date opened in XXXX This is not correct. I did not open this account. 

( XXXX ) Account Name- XXXX XXXX Audit Account number-XXXX XXXX account does not belong to me.
Product: Debt collection

Investment Retrievers states that they will " recommence attempts to collect '' on a debt that has been disputed previously ; the letter states " attached is verification of debt '' but no attachment is present, i.e. they have no actual information other than my name and some bogus account number. 

Regardless of what information they may or may not have, they were previously informed that this debt is time-bared based on the date of first delinquency of the original creditor of the linked account # reported on my credit ( XX/XX/2010 ) and my state of residency ( NV, 6 year statute ) and told not to contact me further per the FDCPA. Despite the information on my credit report, I continue to assert that the debt is not mine. 

Specifically I am invoking 805. Communication in connection with debt collection - " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ... '' ( with specific exceptions ).
Product: Debt collection

Midland Credit Management has not validated debt that they claim i owe in the amount of {$1100.00} from ( XXXX XXXX XXXXXXXX XXXX ). Over 30 days has passed since I wrote the company asking them to validate the debt or to remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, KIc. ) ( D to irl lie quato 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 XXXX was untair anodeceptive, as they didnot & XXXX 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: Money transfer, virtual currency, or money service

I sent a Zelle payment to the wrong person a few years ago and was not notified that I was unable to get my money back once sent, it was a big amount of over {$2000.00} and the person was fraud. Zelle in the past, never had a is this the right person? Option and it was never expressed that the money could not be received back until after it was sent and I called my bank and they said there was nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX & XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF XXXX / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

The company is Albert online banking and Ive been locked out of my account.Ive tryed speaking with the customer service representative via Tex and email because they dont have a live agent to talk to.My checks from my employment get deposited in this account and Ive not been able to change my banking password and they have completely stop answering my Tex and email.At this point I dont know who to call and what to do.I feel like this company is a big scam!
Product: Credit card

On XX/XX/2024 I received a promotional offer in my email form XXXX. I applied directly to this email and followed all the rules. The promotion was suppose to gift the new cardholder {$150.00} after spending XXXX $ within the first XXXX  days. I have done all of the above and am currently in good standing with such credit card. After several months now I have not received the {$150.00} in addition I have spent much of my time making phone calls to XXXX XXXX Bank, filing a formal complaint and reaching out directly to XXXX XXXX. 
They keep sending me emails saying they have done nothing wrong and will further investigate. I did speak to a manager which told me that I had used the wrong site, or URL and therefore was not eligible for the {$150.00}. This is ridiculous because I directly applied through the email which had a large button that said APPLY NOW. I feel completely frustrated and believe this was deceptive and fraudulent on XXXX XXXX and XXXX card. It also makes me think perhaps I was not the only one this has happened to.
Product: Credit card or prepaid card

TD bank credit card has charged me cash in advance in number of transactions which I did only and no cash withdrawn was made I have been making the same transaction with the same card for two years they never changed my any cash in advance fess for them until recently they started doing without notify me of any changes and never sent me any documents to make me aware of any change which is violated the terms and conditions I agreed about when I open the account with them .nevertheless, I already stop making the same online transaction once I noticed the fess they started charging me and a week later before all that happened I wasnt charge any cash in advance fess in I did the same type of transaction .also they charge me at the end of the month another fess again for the same transactions two fess difference time for the same transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a fraud victim and Ive called annual credit report and tried online and all three bureaus r not responding to sending me a annual credit report
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not authorize the following companies below to pull my credit. 
Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.
Product: Mortgage

I was pre-appreoved for a mortgage in XX/XX/XXXX/XX/XX/2014 with Franklin First Financial. I was directed into an FHA mortgage because of my troubled credit history. I was not made aware of the up front funding fee or the annual insurance premium until days before the closing. Yes, I was provided with disclosures, whether they were provided timely I am not sure, but they were not explained to me, rather I was told I needed to sign them or the loan would be declined. 
During the course of the process, my lender was not transparent and was often impossible to contact to help answer routine questions. I asked several times a week when I could epxect an estimate on closing costs, I didnt receive the final GFE until 2 hours before the closing. I was quoted 4 % the entire time, I questioned why the application said 4.5 % he said it 's because he had to 'throw any rate in ' to complete the application. The night before the closing I learned this was my rate and there was nothing I could do about it. Mysteriously, an XXXX $ credit appeared on the HUD settlement statement to help offset the increased rate, but this credit went directly to the seller as he was responsible for all closing costs according to the purchase and sales. 
The lender took well over 2 months to close this loan, which resulted in huge financial penalties to me. I stayed in my home I was renting two months longer than expected and the seller of the property lost his patience along the way and threatened to charge per diem and walk away from the deal many times creating a very stressful situation for me and my family. During the course of this, I recieved a denial letter in the mail after being told by the lender the same day that I would be closing the next week. The underwriter was mistaken, and I had to provide knowledge of rule changes in order for the bank to proceed. The seller, who will be recieving his own series of complaints, held our deposit in his personal account and spent it, prior to closing. We were pre-approved with another lender and wanted to go to him but we could n't do so because our deposit was spent and our seller threated to walk away if we did n't close. 
Further, the seller was in contact with the closing attorney 's office the day of the closing making changes to the HUD up to 30 minutes before the closing, adding miscellaneous fees and costs to reduce the amount of his closing costs, without my knowledge or consent. At closing, I was asked to write a check for XXXX $ which was the additional deposit amount required when I made a change to the purchase and sales changing the purchase amount from XXXX to XXXX. I already paid this difference via check to the seller and the lender failed to request evidence of this payment prior to closing, so as a result I was forced to pay it again and told to 'ask for it back ' from the seller ( who had been so reasonable throughout. ) I could go on and on, and I 'd be happy to, but I feel that I 've provided enough information to get an inquiry started.
Product: Credit reporting or other personal consumer reports

You inform me to contact the creditors and I have done so. According to FDCPA 809b you are required to update these accounts until they validate. I have requested validation and they have not produced it. Please update them now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness on the information to my address provided.
Product: Mortgage

On XX/XX/XXXX I called Planet home lending regarding a {$190.00} payment increase to my loan. Through their automated system they state they paid my homeowners insurance {$4700.00} when the actual cost is {$970.00}. I spoke with customer service rep XXXX about the amount, which she was not able to help with, and she stated the reason for the increase was a review in XXXX of my escrow. She stated my tax payment increased by $ XXXX, from {$260.00} to {$290.00}. I then inquired why in the world they would be taking $ XXXX almost {$2000.00} in excess of that increase? My mortgage payment went from {$1100.00} to {$1300.00}! 
It is NOT ok they take my money to sit on needlessly beyond justification of assessed taxes and insurance. I requested proof of what has been paid through my escrow and she stated she would email me the document. I never received the proof of payment from escrow, and they are still withdrawing the excess in escrow until this is rectified. Taking XXXX  times the amount needed is embezzlement of my funds and abuse of their ability to do so in conducting business. I am concerned this has happened to other veterans, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous complaint : XXXX - was NEVER addressed! Just passed through. I STILL can not access my credit reports/score. I can not get anyone from this XXXX bureau to answer or respond. I can not refinance my house or anything, because companies can not pull XXXX! This is Ridiculous!! I DEMAND a FULL REPORT and SCORE be sent - and not an old one either. I DEMAND whatever freeze XXXX they have placed, be removed IMMEDIATELY! 

I am a HUGE victim of fraud. I have Fraud alerts on all bureaus, and now XXXX is trying to mess with me. I have filed several complaints through CFPB ( absolutely no help ), and disputed several times in the past. Now, my file is within the " special needs '' department and I can not reach a live person, EVER! I can not access my reports through their portal, but yet, i am still being charged {$19.00} monthly. I am needing a home loan, and I can not access my report!! I have no access, can not receive a copy of my credit report, my score - NOTHING! Why? All because I disputed almost EVERYTHING on my last report back in XXXX 2017, and reported them several times to the CFPB. PUNITIVE! XXXX has always had the wrong information for me, old addresses, old information on my credit cards ( over 6 months, on most cases ) AND their outsourced agents are the worst! Can not understand them and they can not help me at all. I have submitted copies of my CDL, social security card and anything else they have requested, no response, no help! Funny part is, they continue to send me emails with BOGUS inquiries on my credit file!! My file is supposedly not available, so how can I be incurring inquiries???? CFPB needs to get off their XXXX, and do what they claim to be about. We, the public, are at the mercy of these crooks! All 3 Credit Bureaus are crooks and hold us all hostage.
Product: Credit card or prepaid card

I am disputing a charge and the details are outlined below. Charge was made XX/XX/XXXX on my Chase Amazon Credit Card with a post date of XX/XX/XXXX - On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX  through Amazon. The Amazon order number is XXXX. Cost with tax was {$1100.00}. On XX/XX/XXXX, I received notification from Amazon ( not  XXXX or XXXX XXXX ) that there was a problem with the XXXX  and it was being recalled. This is the link - XXXX XXXX XXXXXXXX I called XXXX and they told me not to use the XXXX  as it was a fire hazard. I asked where it could be repaired and they told me the parts were not available and did not know timing as to when available. I called and wrote to XXXX XXXX asking about a return. They told me I was past the time on their return policy. I have notified Amazon and not sure of the status. I have also filed a dispute with my Chase Amazon Card but so far not much response on that. I have found on the internet that XXXX of these units have been recalled in total ( XXXX last year ). I believe there is also a class action lawsuit against XXXX. This complaint is against XXXX XXXX ( possibly XXXX ) as XXXX XXXX sold me a generator that had problems and still has problems and is dangerous and can not be fixed at this time. XXXX XXXX nor XXXX have notified me about the recall even though I purchased the generator from XXXX XXXX and registered it with XXXX. I only leaned about the issues through Amazon.
Product: Credit card or prepaid card

On XX/XX/22, I contacted to Capital One to request a waiver of my annual fee. I have been a loyal customer closed to 15 years and asked that they be proactive and change my card profile after company waived the annual fee for the last 10 years. This year, they refused to remove the fee and also had no alternative products to offer as an upgrade for a person with excellent credit ( XXXX XXXX XXXX ) .After talking to two agents and being hung up during the call, I talked to an agent that processed ref # XXXX formal complaint. I received no response after they stated they would contact me within seven days on outcome. 

I called back on XX/XX/22 to ask about my complaint and no-one could find the reference inquiry. I talked to a multiple agents that refused to escalate my call. I also was hung up on during one call with a XXXX agent. I had my next call escalated from XXXX to XXXX and she processed my additional complaint where Capital One changed my due date and billing cycle. I assume they would waive the annual fee as they made predatory changes to my account by changing the due date to an earlier date. I asked for a new complaint to be escalated. They processed that complain reference # XXXX. They also did not respond within the committed 10 day XXXX. 

Lastly, I called today on XX/XX/22 and asked about a interest rate charge for a " purchase '' of {$0.00} cents. My account balance was XXXX and I made a partial payment to the annual fee awaiting a response to my previous complaints above. The company institute Unfair Deceptive Acts and Practices ( UDAAP ) by charging an interest on an annual fee which is not a purchase. The agent XXXX refused to provide me a reference number but did provide a case # XXXX after multiple requests so I could file a complaint with the CFPB.