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

Im writing to formally express my concern regarding XXXX handling of disputes. Particularly in light of recent CFPB lawsuits highlighting significant issue with platforms. Despite using Zelle numerous times and reporting discrepancies my financial institutions and Zelle failed to investigate my claim. They informed me that recovering lost found was impossible. The CFPBs finding 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.
Product: Mortgage

This complaint concerns a mortgage loan issued by US Bank. The mortgaged property was sold on XX/XX/2016. The annual real property tax due on the house, approximately XXXX, was paid twice at settlement. The standard procedure in cases of this kind is for XXXX County in Maryland to refund half of the overpaid tax to the settlement agent for seller for remittance to the taxpayer, and half ( approximately {$10000.00} ) to the mortgage banker, in this case US Bank, for remittance to the taxpayer ( I.e., the mortgagor of the property ) XXXX County duly refunded the overpayment. The settlement agent has refunded {$10000.00} to me. On XX/XX/2016, XXXX County refunded {$850000.00} to XXXX, lenders'agent for the payment of real property taxes on mortgaged property. This sum inicluded many refunds, including the {$10000.00} due me. Notwithstanding the receipt of the refund over three months ago, US Bank has not repaid the tax refund to its proper owner. 
It thus appears that US Bank is exploiting its position as mortgage lender to unlawfully appropriate, and use interest-free, funds that belong to consumers with which it deals. Considering that my tax refund was one of numerous tax refunds paid on XX/XX/XXXX, US Bank may be engaged in the general practice of misappropriating consumer funds.
Product: Credit card or prepaid card

MONTH EXPIRATION DATE OF THE DEBIT PREPAID MASTER CARD ACCOUNT IS OLIGARCH XXXX XXXX XXXX BREACHES FORGER WIRE FRAUD FEDERAL ACT OBSTRUCTION OF JUSTICE ANTITRUST LAW TROJAN HORSE COSPIRATORS PURJURY R.I.C.O. ACT 1970 SYSTEMATIC XXXX DISPARITIES APARTHEID COLLUDE-COLLUSION ON XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called me from ( XXXX ) XXXX at XXXX XXXX  stating that someone was trying to open a checking account under my name that already had two ( 2 ) Zelle transactions pending ( XXXX $ and XXXX $ ). I stated that no i did NOT authorize a checking account to be open with XXXX XXXX XXXXXXXX. Then the XXXX associate stated that she will transfer me to Zelle to get those pending transactions removed using the case # XXXX, using Code XXXX for zelle transaction ( XXXX $ ) and code XXXX ( XXXX $ ). She transfered me to Zelle where i spoke with a zelle representative ( XXXX XXXX ) under phone number ( XXXX ) XXXX. The Zelle representative told me that i would have to send the codes through my Zelle to there supervisor, in order for me to use zelle again. I stated that I need to use Zelle because my brother just passed away and i will have to make some payments to a mortuary /cemetery etc, so i will need my Zelle unfrozen. I followed instructions from the Zelle representative to send this codes as transactions to Zelle Supervisors through Zelle ( XXXX XXXX XXXX ) : XXXX XXXX ( XXXX ) XXXX on XXXX XX/XX/XXXX, for the amount of {$990.00}. 
XXXX XXXX ( XXXX ) XXXX on XXXX XX/XX/XXXX, for the amount of {$980.00}. 
XXXX XXXX ( XXXX ) XXXX on XXXX XX/XX/XXXX, for the amount of {$490.00}. 

XXXX XXXX XXXX ( XXXX ) XXXX on XXXX XX/XX/XXXX, for the amount of {$990.00}. 

XXXX XXXX XXXX ( XXXX ) XXXX on XXXX XX/XX/XXXX, for the amount of {$990.00}. 

I have been asking Zelle by calling number ( XXXX ) XXXX to refund me the transactions to unfreeze my zelle account and they refuse to do so. Zelle states that I need to send another code of {$1500.00} for then to refund me all my money back. I asked again today XXXX XX/XX/XXXX for a refund and they still refuse to do so until I send the last " code '' of XXXX dollars. 

Even to this day you call ( XXXX ) XXXX its states Zelle Fraud. 

The other Zelle number is ( XXXX ) XXXX
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I asked the company to stop calling but they continue to call. They are not an original creditor and I do not know how they got my information.
Product: Mortgage

My name is and I am filing a complaint regarding the recent experience I had with Bank of America 's mortgage loan department. 

I applied for a mortgage at Bank of America, and my loan officers are XXXX  and XXXX. 

On XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX, I received a phone call from XXXX saying I need to provide additional information within the next 2 hours or I will receive the " Notice of Incomplete ''. I told XXXX this is unrealistic and unheard of because I am currently at work. 

A few hours later, I received an email saying I have received such notice. My application is getting delayed. 

I have never received a request like this before from other companies. I am really surprised, confused and unhappy. 

I think I am being treated unfairly. 

Regards,
Product: Credit card

Capital one refunded an extra payment and sent the check to an address different than the only address listed on my account with them. When I called to find out what address they sent it to, they would not tell me, only confirm if it was correct or not. I gave them the only other address I have lived at prior to moving in 2021 and it was not correct. 

They said that even if an address has been removed from an account by a user, even over 5 years ago, they store that data and have access to it. I verified that my account has the only address Ive lived at since 2021 and theres no old addresses tied to my account. 

Its no wonder why capital one keeps having data breaches as they are illegally holding onto consumer data after the user has revoked access to such data.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/XXXX, I mailed a dispute letter to Experian via USPS certified mail with tracking # XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, Experian has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Experian 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I did not receive a response back from Experian with the investigation results. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel Experian to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Experian as proof. I am now demanding Experian to immediately and permanently remove the disputed items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender for my vehicle loan reported that my account was 30-59 days late TWICE. The two months that Credit Acceptance ( the finance company ) indicated that my payments were 30-59 days late are : XX/XX/2018 and XX/XX/2018. This is INCORRECT information on my credit reports. I made an agreement with Credit Acceptance Corporation for my monthly car payments to be withdrawn automatically on the XXXX day of each month. In XX/XX/2018, my payment ( admittedly ) could not be taken on the XX/XX/XXXX but instead it WAS successfully withdrawn out of my bank account by Credit Acceptance Corporation and paid on XX/XX/XXXX which is EIGHT days late - NOT thirty days late. 

The payment for XX/XX/2018 was not able to be withdrawn on the XXXX XXXX XXXX XXXXr but WAS successfully withdrawn by Credit Acceptance Corporation on XX/XX/2018 which made the payment for XX/XX/2018 24 days late, NOT thirty. 
Technically, I have not EVER made a car payment 30 days or longer late. Credit acceptance has reported FALSE information to the credit bureaus indicating that my payments for those two months ( XX/XX/2018 and XX/XX/2018 ) were 30-59 days late. That information needs to be CORRECTED IMMEDIATELY since Federal law states that a late payment can not be reported until it is at least 30 days past due as long as you pay BEFORE the thirtieth day mark which I in FACT DID do for ALL of the months since I first obtained the vehicle.
Product: Payday loan, title loan, or personal loan

BBVA Compass advertises its Online Banking everywhere, but they do n't specify that certain products have little to no online functionality when they are trying to get you to sign up for their services. I have a personal line of credit with them and my family relocated to a new city. I had set up mail forwarding at my prior address but statements were never received at the new address ( other institutions were received ). I attempted to change my address online with BBVA, but that process required almost two weeks of them asking me to provide duplicate information as to my new address, and, more importantly, I repeatedly asked why the website indicated a place for past statements / amounts due to show up but they were always blank/incomplete for this account and no one could tell me how much was owed. They did offer to send me a copy of the statements I never received electronically, for a {$10.00} fee, I guess that is their definition of online banking. I have received several auto-dialed collection calls, but I explained to them I needed a statement or some screen on their website to see how much I owed. 

This scenario was only compounded by the fact that I have a checking account opened with them specifically to pay the monthly payments on this account, but they do n't have functionality to let me set this to " autopay. '' As a result, I fear they reported me as delinquent as I was waiting to actually receive a notice from them telling me how much was owed, which was finally received last week. This is at at a time where we are looking to purchase a new home, and the potential adverse credit impact over the life of a loan will be several thousands of dollars.
Product: Bank account or service

Hello, I opened a CitiGold checking account with Citibank on XXXX XXXX in response to a promotional offer rewarding XXXX XXXX XXXX miles when fulfilling some basic requirements ( {$1000.00} in purchases and 2 bill pays ). I contacted citibank via secure message and they confirmed that I fulfilled these requirements in XX/XX/XXXX and that I would have to wait 90 days to receive my bonus. 

After waiting and occasional checkins I was told to wait and be patient. After contacting them for an update I was told on XX/XX/XXXX that I would not be receiving the bonus because I was no eligible. Obviously I felt misled so they opened and investigation and promised an answer in a couple of weeks, but over a month later I still have n't heard anything. They still continue to charge me monthly service fees on the account ( {$30.00} ) while not holding up their end of the deal. I feel cheated and used as I had to open up a Citibank XXXX XXXX credit card to receive this bonus .... Any advice you could give in regards to my situation would be greatly appreciated. 

Thank you!
Product: Checking or savings account

- I opened an account in or aroundXX/XX/2018 

- HSBC offered a welcome bonus to open an account at that time. 

- I met all the conditions of that offer and HSBC is refusing credit the bonus stating that I did not apply under that offer.

- HSBC made multiple errors during the account opening process ( and took more than 2 weeks to even open the account )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Gold Key Credit, inc Re : Account # XXXX This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU {$940.00}. 
By not replying in a timely manner to my initial letter also A debt collector is required to send you a written notice within five days after you are first contacted, telling you the amount of money you owe. The notice must also specify the name of the creditor to whom you owe the money and what action you should take if you believe you do not owe the money. you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.
I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXXSSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquires on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please assess and investigate the accounts
Product: Checking or savings account

Between XXXX XXXX, 2023, Venmo repeatedly suspended my account and requested identity verification documents multiple times, despite me providing them each time. The timeline is as follows : XX/XX/XXXX : Account suspended, requested ID verification XXXX XXXX : Account unfrozen after providing documents, confirmed by XXXX  ( support agent ) XX/XX/XXXX : Account unfrozen again after providing documents, confirmed by XXXX XXXX XXXX Account Specialist ) XX/XX/XXXX : Account suspended yet again, requesting same documents plus additional business documentation including : Three months of bank statements Business registration documents Business model explanation Customer invoices and contact information I provided all requested documentation on XX/XX/XXXX, but Venmo has since ignored all communication attempts and my account remains suspended. During this period, they have : Repeatedly frozen and unfrozen my account Requested the same identity verification multiple times Allowed me to fund my account only to suspend it again Ceased all communication after the final suspension
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report, it's hurting my ability to obtain credit.
Product: Student loan

Again reached out on XXXX about the account being past due. Again, another letter via their app which doesn't say if they are pulling the money or should I. I even screened shot the payment I want to make but there is a warning stating the payment is set for auto pay. If I pay it Mohela will still pull the payment.
Product: Mortgage

On XX/XX/2019 I feel behind on my mortgage because I was forced into early retirement and am know only rely on my Social Security income. My mortgage is at a 10.5 % interest rate and i'm not able to afford my mortgage payment with just my Social Security income. I tried to be reviewed for workout assistance with my lender and have been denied because my investor does not participate for workout assistance. To make matters worst I relied on getting some type of assistance that I feel more behind that I got a sale date and had to file bankruptcy and I am now in bankruptcy making my trial plan payments. But still not able to afford my current mortgage. I feel that I am the perfect candidate for workout assistance. I have never been approved for anything and now need it more then ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; Creditors XXXX XXXX XXXX # : XXXX  ; Medical bill # : XXXX, XXXX # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.
Product: Consumer Loan

US Bank claims they had to write-off money on a car loan I had with them. They did not. In fact, they sent me a refund check for my overpayment to them. After the car was totaled, the insurance companies were slow to pay, so US Bank reported me to the credit reporting agencies for issues over which I had no control.
Product: Credit reporting or other personal consumer reports

First part to put on the CFPB Consumer Name : XXXX XXXX Consumer Social Security XXXX Consumer Date of Birth : XX/XX/XXXX. XXXX. Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX : Collection account at XXXX XX/XX/XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$340.00}, Collection account at LVNV Funding llc, opened on XX/XX/XXXX under account number XXXX with a balance of {$620.00}, Collection account at LVNV Funds, opened on XX/XX/XXXX under account number XXXX with a balance of {$690.00}. 
XXXX : Collection account at XXXX XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$620.00}, Collection account at XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$1200.00}. 
XXXX : Collection account at, LVNV Funding LLC opened on XX/XX/XXXX under account number XXXX with a balance of {$620.00}, Collection account at, XXXX XX/XX/XXXXopened on XX/XX/XXXX under account number XXXX with a balance of {$340.00}. 
Inquiries : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in hard inquiries fraudulent collections appearing on my consumer XXXX credit report. Attached is a copy of the consumer XX/XX/XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Checking or savings account

On three separate occasions, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made online transfers between accounts. Each time it originally showed I did it and then the transfer never went through. I bounced a check, first time in my life, I had to use overdraft which I was charged for. 
When I called customer service they were continuously rude and unhelpful and one person hung up on me. 
I went to the bank, Bank of America branch in XXXX XXXX XXXX XXXX, Fl and I was upset. One rep helped me fix one situation byut manager called police on me and they came and made a scene. 
When I confronted her about it at a later date she denied it saying it was corporate which was a lie. She refused to discuss it. She said she would have a district person call me, another lie. 
I repeatedly asked to speak with someone in Corporate which was denied. 

These instances have caused several problems and B of A employees are generally rude and unhelpful. 

On XX/XX/XXXX I called their branch 23 times with no answer. Manager shrugged it off
Product: Debt collection

This debt was not owed bc they said it was paid the co- pay and Im insured through them. Its not mine and I demand it off collection immediately. If its not off I will sue them and be in the tv. Exposing them and during them to the fullest. I demand it off my credit. I want it off with XXXX  and XXXX