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

I am writing to formally express my concerns regarding Zelles handling my disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial Institute and Zelle failed to investigate my claims adequately. They informed me that covering loss Funds is impossible and that tracking these funds is unfeasible. The CFBP 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. The lack of accountability and transparency is unacceptable and radishes concerns about consumer safety.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred over the last 14+ years. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and a slap in the face to me as an XXXX veteran and I request an investigation into my account transactions since XXXX  till now.
Product: Credit reporting

I filed chapter XXXX bankrupty and it was discharged XX/XX/XXXX, yet many of the debts that were discharged have reappeared and are lowering my credit score. In addition to this in XX/XX/XXXX I purchased a vehicle from XXXX XXXX and although my loan was pre-approved for the total purchase amount and had already been given by XXXX, the credit manager still sent several credit inquiries on my account up to XXXX more creditors including another to XXXX who had already given the loan again causing a lowering of my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been wrongly been charged with a late fees of {$28.00} by Synchrony bank for a billing of the month of XXXX. Upon realizing that, I contacted my bank XXXX XXXX XXXX XXXX that confirmed that payment XXXX billing was indeed processed. 
I copied the statement from my online banking statement to send Synchrony bank as a proof but that wasn't enough to waive the late fees. 
I subsequently been calling for over 5 days and was connected to customer service to whom I reported the discrepancy but nothing was done. 
In XXXX I noticed {$210.00} was again on my account instead of minimum payment of {$95.00} to which I protested and requested for a waiver because of the difference in adjustment I asked for so I can combine 2 billing payments on same date XXXX of every month. To avoid discrepancy I requested to talk a manager and both managers on the phone were so bullying and rude pushing blame down my throat. 
XXXX and XXXX ID XXXX are bad for the future of synchrony bank because looking at my records I have been up to date with my payment without problem but they refuse to understand the adjustment and failure of synchrony bank to process billing on time is the cause of this not me. 
My records show perfect payment. 
I need this bullying of consumers by banks charging late fees at will without due diligence to stop and managers held accountable. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This company is also reporting inaccurate information because the true name of this company is XXXX XXXX XXXX not XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. 

XXXX XXXX PART XXXX ( a ) CREDIT BALANCES. when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise XXXXwo or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account.

2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer.

3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Payday loan, title loan, or personal loan

On Tuesday XX/XX/2022, I visited XXXX XXXX aka XXXX XXXX XXXX XXXX. I was inquiring about a new set of tires and rims. XXXX XXXX helped me by answering my questions about tires and rims. We went through pricing and she verbally provided options for different repayments for loans. While I was there she had me fill out a 1 page document of basic PII information. Name, DOB, SSN, address, bank info, etc. 
she provided me with an approval amount XXXX. I was then asked to provide a code/PIN that popped up on my phone via text message. I provided the PIN number it was not until today XX/XX/2022 that I realized she had logged into XXXX XXXX acting as me the consumer creating my profile, adding acct info., and accepting my terms and conditions. I was told on XX/XX/2022, to allow 24 hours to see my loan info. It was in fact not a loan when I logged in utilizing a PIN sent to my cell phone on XX/XX/2022 but in fact a lease where I would pay weekly an amount of XXXX. I have attempted to cancel all day with the business and also American First. They have both said NO even though I have no tires or rims on my vehicle. This business is defrauding their customers everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have created accounts with the 3 major credit reporting agencies have been trying to update my address information and upload documents and their sites are always down or dont accept the uploads
Product: Vehicle loan or lease

In XXXX of 2022 I applied XXXX. for an auto loan which they pulled my credit report and sent me an email told me I was approved for A vehicle with about {$1500.00} down and about $ XXXX month. They pulled a credit report which affected my credit score in which I took time off of work to go in person and fill out the paperwork at the end I was denied. I just find it frustrating that they have guaranteed approval odds. After the credit report hurts your score and the time that you take out of your day to be in their location at the end they deny you after sending you a email and text message saying that you are approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, and fraudulent account : XXXX XXXX DATE OPENED XX/XX/2006 BALANCE {$46000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiriy are fraudulent and needs to be removed : XXXX XXXX ( XX/XX/22 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to pull both my credit report and credit file and was given the message from XXXX, Transunion and XXXX that using my social security number, that I would not be able to retrieve my consumer report and file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unauthorize hard inquiries on my credit report that I did n't consent to pull my credit 1.  XXXX   XXXX   .Dated J XX/XX/XXXX  2. XXXX  .Dated XX/XX/XXXX .3.  XXXX   XXXX  . XX/XX/XXXX  4. XXXX  . XX/XX/XXXX  ... 5.  XXXX   XXXX   .Dated  XX/XX/XXXX .
1.  XXXX   XXXX   XXXX  , Michigan  XXXX  2. XXXX .  XXXX   XXXX  , Texas. XXXX ..3.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Texas. XXXX  ... 4  XXXX   XXXX     XXXX   XXXX  , Texas. XXXX .
I have a   XXXX   XXXX   XXXX   vehicle I do n't need another car. I have   XXXX   kids and I am single Mom.
All the hard inquiries are destroying my credit and scores and my chances in getting credit approval on new beds and baby crib for my  XXXX  child and my daughters that are under the age of   XXXX   years old..
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested that the following inquiries be removed from my credit report : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received my Citi Diamond Preferred credit card statement today XX/XX/2020 which showed that I had a charge of {$30.00} and a late payment fee of {$29.00}, almost 100 %, which is surely usury. I never received the previous bills. The company insists that it sent out the previous bills, but I never received them. I pointed out that we are in the midst of a pandemic, and the Post Office is short staffed and having problems delivering mail. I spoke to two representative at the credit card company, plus one supervisor, and they all assert that they are unable to reverse the late payment fee. This is particularly egregious since I am a senior citizen and do not like the way that I am being treated. I have had this account for over 20 years and always paid on time.
Product: Money transfer, virtual currency, or money service

I had a Wells Fargo account from XXXX I had a business account and personal account. I have reached out to Wells Fargo due to the misuse of products and late fees, overdraft fees I was a victim and my federal rights USC 15 1681 was violated. I ask that this account is look in correctly.

Accounts WELLS FAGO
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account went up XXXX points in one day. It showed all of my accounts in collections removed, my XXXX XXXX  removed, new credit cards showing up as just added. Then dropped XXXX points a few days later. 

Then today XX/XX/2024 my XXXX XXXX account showing Equifax is up XXXX points with all of my collections removed, old accounts showing just added, student loans being removed. There were over XXXX changes to my credit report overnight. I'm sure that my credit score will drop XXXX points like last time. No one online has been able to get ahold of a real person to resolve any of their issues. Some people are waiting 2 hours and still aren't able to speak to a human.
Product: Credit reporting, credit repair services, or other personal consumer reports

The  XXXX  credit companies that are  XXXX ,  XXXX  and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but th e 2 credit companies have been of no help and Wells Fargo will not provide a letter that there was never a late  on the account, just this payment history that I am attaching below.
Product: Credit reporting or other personal consumer reports

I found on my consumer report in XXXX of XXXX  that account number XXXX is listed as a closed account with a balance of {$240.00} and noted as charged off by the debtor. I have requested a 1099-C for this because now it is income for me and have not received one. Even though it has been charged off, I am still receiving calls attempting to collect payment for this.
Product: Debt collection

After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Mortgage

PHH mortgage blocked payments online and over the phone not allowing them essentially making my payment late. I was not notified about what to do. I contacted them via phone and was told the website would be working the next day and I could pay. Well the next day came and the account is still blocked. I tried paying over the phone which was blocked as well. They are also using predatory payments meaning they make money on the transaction. They charge transaction fees and are do not advertise how to make a payment for free. Fees start at XXXX dollars per payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to fix this issue multiple times. Equifax is violating my rights on multiple accounts by listing erroneous late payments on my account. Laws to include but not limited to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), 15 U.S. Code 1681e, 15 U.S. Code 1681a - Definitions ; rules of construction 2 ( A ) ( i ) and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Product: Credit card

Good morning, I discovered a charge for the amount of {$870.00} made on my Capital One credit card not made by me. 

I made contact with Capital One to inform them about my discovery, they provided me with a case number, asked me to destroy the card in question, provided me with a new card. The charge was reversed while the investigation was in process. 

The following week I found out the the charge was placed back on my account, so I called Capital One to find out why. The representative told me that they determined that the charge was made by me since they did not find evidence of the card being misused. 

I asked if they the merchant was requested a copy of a statement, receipt or anything that would proof that the charge was legal, and disclosure of goods, and done by me. The representative told me that since the charge was made with a chipped card, there was no evidence of fraud. 

I would like to mention that this fraudulent transaction was made at a Beauty Supply outfit in Texas on XXXX XXXXXXXX XXXX and I was visiting XXXX XXXX on that same date. I have proof that I was in XXXX XXXX providing proof of transactions receipts with other credit cards on that same date upon request, so its impossible for me to be in two different cities at the same time. 

At the end of the conversation with the Capital One representative and after speaking with a supervisor, their response that the decision was final. 

Attached you with find the charge for the amount in question, as well as other documents, statement of charges made by me while I was visiting XXXX XXXX
Product: Bank account or service

RE : Case XXXX XXXX I paid for a website to be developed on XXXX/XXXX/XXXX. By XXXX/XXXX/XXXX, the work was not done and I requested a refund [ per their 100 % money back guarantee ]. Although I requested for the site to be closed, the company insisted on working on it. I 've attempted to cancel many times, and they still have not refunded my money. I realized that no matter how many times I 've requested, the company would not refund me my money. I contacted the bank on XXXX/XXXX/XXXX to reverse/dispute the charge and put the money back to my account. then the bank to receive my money, and I have not been successful. The company is clearly a fraud and scam. I sent back the dispute forms on XXXX/XXXX/XXXX and the bank claimed that they did not received them so I resent the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I went into my bank to inquire as to the case status and I have not heard or received my money back as yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on my consumer report as a chargeoff. A chargeoff is a worthless debt, a non collectible debt, I've not received a 1099-C for income being reported on my consumer report. This is a violation of my consumer rights. 5usc552a privacy law broken and should be removed in 4 days.

15usc1681a-4 privacy obligation not kept.

15usc1681b no permission to place on my consumer report. They didn't have my written consent to place a item on my consumer report. They have never produced a wet ink signature within 15 days of the dispute as proof of ownership of the account. 
Each violation is {$1000.00} and or prison for 2 years for placing these on my consumer report.
Product: Bank account or service

I opened an account with Citibank in XX/XX/XXXX for a {$500.00} promotional offer. On XX/XX/XXXX Citi closed out my checking since my funds were in the savings account without warning or notice. On XX/XX/XXXX I received a letter telling me that everything on my end had been fulfilled for the promotion and I should expect to see payment within two weeks. That payment never happened so I reached out an additional time and Citi re-initiated another research request. I was informed today on XX/XX/2017 that they would not be paying out the bonus even after they told me all of my commitment had been fulfilled. They are saying this is in result to them closing down my checking account.