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

Zelle scammed me, and their outright refusal to return my money is infuriating, leaving me both financially and emotionally distressed. I trusted their platform to facilitate a safe and secure transaction, but that trust was completely betrayed. I used Zelle to send money for what I believed was a legitimate transaction, only to discover shortly afterward that I had been defrauded. Realizing the scam, I immediately contacted Zelle and my bank to report the incident, providing detailed evidence, including screenshots, timestamps, and any relevant communication. However, XXXX response was dismissive and frustratingthey hid behind their policy that all transactions are instant and irreversible, effectively washing their hands of any responsibility. This stance feels like a blatant violation of consumer protection laws, particularly those outlined in the Electronic Fund Transfer Act ( EFTA ), which was designed to safeguard consumers against unauthorized or fraudulent electronic transactions. Despite this federal legislation, Zelle appears to prioritize protecting fraudsters rather than offering even basic protections for honest customers like me. 

I also cited relevant state consumer protection laws that emphasize transparency and the need for fair business practices, but my concerns were ignored. By enabling scammers to exploit their platform with impunity, Zelle is failing its customers and neglecting its moral and legal obligations. Its deeply troubling that Zelle, owned by major financial institutions, would knowingly operate a system so vulnerable to fraud while taking no meaningful steps to mitigate the risk or assist victims. Their claim of valuing customer security is completely undermined by their refusal to intervene or even investigate this clear case of fraud. This experience has left me not only out of pocket but also disillusioned about the integrity of a company that millions of people rely on daily. Consumers deserve better protections and accountability from financial platforms, and I believe XXXX practices should be closely XXXX  for compliance with both federal and state laws. I want to raise awareness about this issue so others dont fall into the same trap and are better equipped to protect themselves from XXXX apparent disregard for consumer safety.
Product: Debt collection

The collection actions of Lazega and Johanson has caused my family mental and financial anguish. Back in 2014, they froze the bank account of my son XXXX XXXX, who was not listed as a debtor on the case in any regard. He was a XXXX student and the funds that they took were from Student Loans. This action alone merits that the firm be disbarred and license suspended from practicing law. The matter has not stopped there. After garnishing my spouses paycheck for a period of 6 months, they have not turned the fund collected over to the debtor to update the files ; I called to inquire about the balance and they could not provide me with accurate accounting details ; I am requesting that my files be updated with the XXXX XXXX and a detailed ledger be submitted to me to show all payments received. I am also seeking legal recourse against this company, because of the mental anguish my son experienced. He was not listed on the case and should have in any way been held liable for any thing. Their actions left him without money for food or gas while XXXX hours from home. Please assist me in resolving this matter.
Product: Debt collection

Complaint is against ProCollect, a 3rd party collection agency from XXXX Texas. I called so that I could figure out who or where the debt came from information was added to my credit report without my knowledge the agency never reached out to me by mail or phone to collect or make me aware of this debt. I called requesting proof but only received terrible customer service from a manger who came of very rude and disrespectful verbally with his words.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, once again, makes it impossible to deal with them online, and insists that every service they do n't find sufficiently lucrative be conducted by snail mail. Their excuse is specious : they ask 4 questions to " confirm my identity '', two of which I can only answer " none of the above ''. They are typically about bank or merchant accounts. They offer 4 names each of banks or merchants that I am supposed to have an account with. I never have heard of any of these merchants or banks. I know from experience that this is not due to somebody using my name to open credit accounts I know nothing about : it is due to Experian either disguising or entirely making up the names of the banks/merchants so they do n't have to do business with me online. This happens usually when I order my annual credit report online. It has now happenend for my request of a security freeze after the XXXX hack. I tried using their application to upload documents, tried to upload my drivers license, to prove my identity. It does n't work, gives me an error message that only pdf 's are accepted, when I was trying to upload a pdf.
Product: Credit reporting or other personal consumer reports

Experian is reporting that I have XXXX late payments from XXXX XXXX. This is incorrect information reporting, my payments have never been late. 

Date : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX
Product: Credit reporting

My husband and I closed some credit card accounts after paying them off and after a bankruptcy. Apparently he kept a XXXX XXXX Credit card that I did n't know about and ran it up before he passed away in XXXX 2012. I just now found out that this account is adversely affecting my credit.
Product: Checking or savings account

I believe USAA is carrying out illegal practices against its customers, like what is being committed against me. I had a balance of {$510.00} on XX/XX/2022, and I and made 2 payments for {$20.00} each and an ACH payment of {$150.00} made a few other payments while my account reflected a balance of {$270.00}, my account was charged 2 NSF fee of {$29.00} per item for a total of {$58.00} when my account had money in it. I ask the USAA customer rep to please explain that to me, and he said that the biller billed me for the day prior which was XXXX, XXXX. I told him that I do not have automatic payment and that I initiated that payment. I have never heard of such. By XX/XX/2022, my account was charged 2 more NFS fees of {$29.00} for each item for a total of {$58.00}. 

I want a full refund for the 4 NSF fee charged to my account {$110.00}! I would like for you all to investigate their illegal practices! 

USAA has responded and credited me back one NFS fee of {$29.00} and refuses to reimburse me for the rest that they owe me {$87.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the accounts listed below. These accounts are showing late payments and I am sure I have never been late. I have requested a statement proving the late payments, but no verifying document has been received. The following accounts are reporting incorrectly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Today - I checked my report and to my horror I saw a entry from consumer adjustment company. This is not my account. Nor has it been verified as mine. It list without dates. And my signature.
Product: Student loan

Navient Private student loan. Has called me ( XXXX XXXX ) at my work place when it could potentially cause me to lose my Job. Calls constantly and emails me as a Cosigner for my husband 's private student loan. My husband ( XXXX XXXX, has reached out to Navient however they want a huge lump of payment from him, hence we have used a consumer credit assistance through XXXX XXXX XXXX and ( Navient ) continues to refuse to work a flexible affordable repayment options with XXXX XXXX XXXX. Has threatened my husband and me with debt collection tactics by email, letters, phone calls ... Times are tough and if Navient continues to call my work place I could potentially lose my Job.
Product: Student loan

I have been on about six 40+ minute phone calls and collectively about 18 hrs of time on hold or on a call back list for my student loan repayment. I finally was approved for my IDR SAVE program on my loans. I was told over the phone my monthly payment would be $ XXXX. Then, on XX/XX/XXXX, after being placed on administrative forbearance since XXXX while interest started accruing on my loans again while Nelnet processed my IDR application I receive a message in my account saying I owe $ XXXX for 12 months starting XX/XX/XXXX. So I set up my auto debit. I logged into my account on XX/XX/XXXXXXXX   to ensure everything was still set up as planned and see that my loan payment is now due on XX/XX/XXXXXXXX  and I owe {$450.00}. I call Nelnet, talk to Patience, was told there was a glitch and that I did only owe {$9.00}, she would fix it that same day. I check my account today XX/XX/XXXXXXXX  and my account now says I have several due dates, the first one on XX/XX/XXXX for now {$460.00}. So I call Nelnet again, now XXXX tells me I owe the {$460.00}, plus the {$9.00}, plus {$1100.00}, plus {$1600.00} and only some of my loans were put on IDR plan due to a glitch and that they should all be put on the IDR plan in the next 4-6 weeks to have one single payment of about {$23.00} once resolved. She then put me on my third administrative forbearance while this paperwork is processed to put all my loans from the same school for the same degree all on the same IDR SAVE plan as they should have been in the first place according to her and everyone else Ive spoken to. During these administrative forbearances to keep my account current/not appear that Im missing payments, Ive accrued {$4300.00} of interest to date, which will continue to climb DAILY while I wait for new paperwork to process over the next 4-6 weeks. I want all my loans on the SAVE program just as I applied for and confirmed with the first customer service person I spoke to for $ XXXX and I should be reimbursed the interest accrued during all these administrative forbearances since XX/XX/XXXXXXXX  until whenever the situation is remedied. Why should I be penalized for your company failing to complete my application and correctly apply the program to my loans due to this glitch?
Product: Debt collection

Collection of a debit in someone elses name and incorrect reporting to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX  XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX  Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX  Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting on my credit report that I currently owe {$1700.00} dollars to one credit card company and two collection companies. They feel that this warrants a score of just XXXX points. Less than XXXX I allegedly owe and my score is XXXX. I'm going to give you a few examples of situations that contributed to how they determined such a low credit score on my report. 
On XX/XX/XXXX they dropped my score by 44 points because I had a collection account was closed and removed from my report. On XX/XX/XXXX they again decreased my score by 42 points this time for having a balance decrease by XXXX dollars. It didn't increase. The balance decreased and they dropped my score 42 points. On XX/XX/XXXX they dropped my score an additional 26 points when a collection account was added to my report but just ten days earlier I had a different collections account removed from my report and they only increased my credit score by 3 points. So they will drop my score 26 points if an account gets added but only increase my score by 3 points if I am able to have an account in collections removed.
Product: Credit card or prepaid card

I filed a claim ( XXXX ) on XX/XX/2021 with Chase Card Benefits services under purchase protection. After filing the claim, I received an email on XX/XX/2021 that my claim has been moved to adjudication and I should wait for 5 days. I waited for 5 days but did not hear anything back. I then contacted Card benefits service customer care to check the status but I was simply asked to wait. 
On XX/XX/2021, I was told that due to the high claim amount, they need 8-10 additional days to process my claim. I waited and contacted them back on XX/XX/2021 but I didnt get any definite answer. I then requested to be connected to a supervisor and I was connected with XXXX ( supervisor ). XXXX said that he is sending an email to his leadership for an update and would get back to me in 1 business day. But I did not get any update. I have called chase card benefit service several times but no one is ready to give me a timeline on when would my claim be processed and paid. As per my benefits guide, I should hear back from then in 5 business days after I file a claim, but it has been over a month that I have been following up with them.
Product: Credit card

I financed a XXXX XXXXXXXX XXXX with XXXX-interest for a year and received a XXXX credit card as the financing company. I didn't want a credit card, but that's apparently how these things are done. I never purchased anything else with the card. I paid monthly on the card, usually double the amount that would be necessary to pay the card off in one year. I always paid on time, usually early. When I logged in to my account on XX/XX/year>, I saw that I was being charged a {$30.00} late fee. I never once paid late. Also, I am unsure why I even had a minimum payment due as I was so far ahead of payments, but that's another issue. I spoke through the chat feature to a customer service rep and they said that the statements are auto-generated and that I had paid my bill too early, before the statement had been generated. I let them know that was unacceptable, and they removed the charge. But they warned me not to pay earlier than the statement generation. That is not how things should work, as people tend to pay their bills when they have the money to do so, early or not. And even though this has been resolved, I believe that this should be looked into. I had the time and ability to deal with this charge, but many don't, and I believe this is why the company uses this practice. Many people with no time or even people who don't wish to rock the boat would perhaps just pay this nonsense late fee. If this practice is not illegal, it certainly should be. That's what the CFPB is for, I'm assuming. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 

This account has already been verified as INNACCURATE AND REMOVED from XXXX and XXXX. Transunion is still reporting this inaccurate account. I formally request this account be removed from my consumer report immediately due to this account being inaccurate. These are the responsibilities of furnishers of information to consumer reporting agencies to maintain accurate information. The account has inaccuracy for the term duration and never provided original written contract between myself and XXXX XXXX XXXX. I attached my updated consumer reports from both XXXX and XXXX showing that it has been removed as well as the dispute results from XXXX showing that it has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I requested how the information in my report was validated and LexisNexis refuses to provide this information to me without supplying them 12 documents to prove who I am when this is an invasion of my privacy and a way for them to collect more information to sell to the credit bureaus. They are refusing to provide how the received the information on my report. I have contacted the court in XXXX regarding the bankruptcy and they have stated that they do not provide this information to any of the credit bureaus nor do they give this information to public reporting agency such as Lexis Nexis.
Product: Mortgage

I signed a contract to purchase a home on  XXXX   XXXX  and contacted a broker I have worked with in the past,  XXXX   XXXX . When I worked with him prior he was with a different company, he is now with PRMG, and that is who I closed my loan with. The process started on  XXXX   XXXX , I was assured it would be a 30 day or less process and that the closing date of  XXXX   XXXX  would be no problem. Not only did I not close on the  XXXX , I ultimately did n't close until  XXXX   XXXX . I was told the broker had many options as far as mortgage rates go and that I would get the best rate. Granted rates were a little higher when I started the process but I was told if things changed it would be addressed. Long story short, I was  given one exc use after the other as to why the loan was n't closing. I was also told I needed to pay 2.72 % to buy down the interest rate down and I was very concerned about this as I have never paid anything to buy a rate down on any mortgage I have ever taken out.  XXXX  said he would help me out and give me an approximate {$5000.00} credit at closing to help cover some of the cost. He did not, there was only a {$120.00} credit on the day of closing. I asked about rates and if they were to drop, mainly because I had contacted  XXXX   XXXX   XXXX   XXXX  because I am a member and they were actually offering a better rate with no fees and if rates dropped I would get the better rate but  XXXX  said they would never be able to close by the  XXXX  and that they do n't know how to handle complex loans. Well considering  XXXX  had  one e xcuse after the other as to why my loan was n't closing on the  XXXX , in addition my rate lock expired on the  XXXX  and rates had gone down substantially. I have asked for documentation to show in writing the rate and why I did n't get the better rate but have received nothing. I also do n't have a signed copy of the loan estimate documents. During the final days of closing I requested th e CD,  which I was provided on  XXXX   XXXX , but  XXXX  said it was not in any way accurate but that he would get me the correc ted one s hortly. I DID NOT GET THE FINAL CD UNTIL I WAS DRIVING TO MY CLOSING ON THE  XXXX . I was so   XXXX   and upset that I truly did n't even know the final numbers and only got them when I sat down at the closing table and the office was closing soon so I felt totally pressured and could n't dispute anything. I questioned the numbers but once again, I, other than violating the contract and losing my {$20000.00} had no options. Interest rates were below the rate I paid over {$7000.00} to buy down at that point, almost .25 %!!! And that was PAR, buying nothing down. I would have canceled the whole thing and worked out a solution with a broker that was actually looking out for my best interest. Not only did  XXXX  charge me all kinds of fees I would n't have had to pay over {$7000.00} to buy a rate down that is going to cost me multiple thousands of dollars over the life of the loan and should have been locked in at the better rate after the expiration of my rate lock.