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

I am writing to formally express my concerns with the Zelle handling of disputes. Particularly in the light of the recent CFPB lawsuit highlights significant issues with the platform, Despite using The platform Zelle multiple times, and reporting discrepancies, My financial institution and Zelle failed to investigate my problems,. They informed me recovering My lost funds was nearly impossible, And tracking the funds was infeasible, The CFPBs finding indicates that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving user vulnerable for scams.
Product: Credit card

I had a business account with Bank of America, as well as personal savings checking, mortgage etc. 
In addition, I opened a business credit card account tied to my business checking account. In XXXX, BOA CLOSED all my accounts giving me30 days to move all the money from 7 different account. This was done with NO explanation.

One of the accounts that was closed but remained with a balance was the credit card. In XXXX of XXXX I set up automatic payments with the collections department. I have paid between {$1000.00} and {$500.00} per month. I just realized that despite paying on the schedule that BOA set up every month, I was being charged a late payment fee based on the payment and due dates being a day off in certain months. 

I have tried both with customer service and collections to get these fees removed and despite it being their error in setting the payment date, they claim because the account is closed there is nothing they can do. I am so XXXX at BOA. 

XXXX XXXX
Product: Credit reporting

I have disputed this XXXX CREDIT CARD ACCT. XXXX ... .. 
multiple times for changing inaccuracies.At this moment, the acct. is under dispute for missing the XXXX dollar minimum pymt. amount on the report, paid by me finally on XXXX/XXXX/XXXX. 
But the meat of the dispute is that the acct. contains fraudulent, illegal charges by the creditor from date of 1st delinquency until charge-off.The XX/XX/XXXX Credit Card ACT, which was fully implemented in XX/XX/XXXX limited by law the amount of late penalty fees, interest, over-the limit charges etc.This law substantially reduced my contract amounts charged to me.THE XXXX DOLLARS BALANCE AND CHARGEOFF AMOUNT ARE FRAUDULENT.THE AMOUNTS CALCULATED FROM MY DEFAULT ARE LEGALLY AND NOT MARGINALLY EXCESSIVE.THE PAYMENT HISTORY IS CORRECT, THE XXXX DOLLAR MIN PYMT NOT SHOWING IS CORRECT ... ..WITH THESE AMOUNTS, AND CONSIDERING THAT MY ACCT WAS CLOSE TO THE LIMIT BUT UNDER IT ... ..AND I WAS NOT OPTED -IN FOR OVER THE LIMIT ... XXXX IT IS VIRTUALLY IMPOSSIBLE TO ARRIVE AT A XXXX DOLLAR BALANCE WITHOUT MULTIPLE VIOLATIONS OF THE XX/XX/XXXX CREDIT CARD ACT.Experian either knowingly or negligently has colluded with a financial criminal and allowed the negative reporting to be used as an extortionate tool against me.Too many times Experian has allowed the verification of incomplete and inaccurate information on this acct.Unless Experian can prove duress ( XXXX threatens them ), Experian has no excuse for false incomplete, continuous verifications.
Product: Mortgage

I closed on my home loan with CMG XXXX  , XXXX  on XX/XX/2021. 

Before closing of my loan CMG XXXX  , XXXX was informed and acknowledged that my property taxes would be exempt because I am a XXXX XXXX XXXX Veteran. 

CMG XXXX , XXXX  made it clear that they would collect the property taxes due until the State of Maryland approved and recorded my tax exemption. 

The state of Maryland approved my tax exemption and XXXX County recorded my exemption. 

CMG XXXX  , XXXX was notified of the approval along with explanation that no property taxes are to be paid from me. Thus, CMG XXXX  , XXXX  was and still are obligated to return the amount of money collected from my monthly mortgage payment from XX/XX/XXXX to XX/XX/XXXX to me. Also, they are obligated to adjust my monthly mortgage payment to reflect the subtracted tax payments that will no longer be due. 

I have contacted CMG XXXX  , XXXX  several times and was told that the matter was being investigated and would be resolved before the XX/XX/XXXX payment is due. 

CMG XXXX  , XXXX has made it clear to me that they do not have any intention of honoring my Veterans Tax exemption any time in the near future. In fact, several phone representatives have informed me that CMG XXXX  , XXXX  does not have any idea as to what Veterans Tax exemption is? Also, they have not acknowledged that I have paid for a title search and that the tax exemption information is stated on the State of Maryland website and it only takes less than three minutes to access.

I am asking that CMG XXXX XXXX Release my escrow funds that they are not entitled to keep. I am also asking for CMG XXXX  , XXXX  to pay interest to me for the escrow funds kept.
Product: Credit reporting

I am unable to obtain my credit score based on verification questions. I feel there is a fraud using my SSN. I am only XXXX years old, and have never had credit, but the questions are asking me to verify what bank I used to open a mortgage? I have never opened a mortgage. I have never bought a car, or had any type of credit. I feel that my SSN was opened when I was a minor, and used to obtain credit lines. Now this person has done so much, that I ca n't obtain a credit report, because they do n't know who I am.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent Experian a dispute letter requesting they investigate several accounts. Attached I have the letter I sent, XXXX Experian XXXX, the inaccurate XXXX Charge off account regarding this complaint XXXX XXXX and postal receipt XXXX XXXX XXXX 

Experian responded to my disputes with their reinvestigation results for my XXXX Submission, Attached, XXXX XXXX. On XX/XX/year>, I responded back to Experian, attached XXXX Experian - Reinvestigation Request and XXXX, requesting a reinvestigation, and demanding they provide proof of the reinvestigation ( 15 USC 1681i ( a ) ( 7 ) ) and provide me with the : 1. The names and business addresses of each individual you verified the information with, so that I can follow up. 2. The date when you contacted the individual furnishers of information. 3. The method of communication you used to verify the information. I asked them specifically for a ( 7 ) Description of reinvestigation procedure. Also attached, XXXX Experian XXXX, shows delivery. On XX/XX/year> Experian responded with a refusal to process my request stating " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' Experian is in clear violation of the FCRA as they did not provide a description of procedures I requested. Attached XXXX Experian XXXX XXXX XXXX. 

The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and has damaged my ability to obtain credit for personal and household usage. Experian and their inaccurate reporting have damaged my livelihood. The reporting of this inaccurate account is also a violation of 15 USC 1681e ( b ). Their failure to provide maximum possible accuracy is causing me harm and I demand they delete the account in question from my consumer report. I also reserve my rights to litigation and will use this CFPB complaint as evidence in a future complaint should this end result not be satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) XXXX XXXX XXXX XXXX XXXX- {$300.00} Charge off accounts 2 ) XXXX XXXX/XXXX {$300.00} charge off account 3 ) XXXX XXXX XXXX {$33000.00} late payment account 4 ) XXXX XXXX XXXX XXXX {$520.00} charge - off account 5 ) XXXX XXXX XXXX {$260.00} charge-off account 6 ) CONSUMER ADJUSTMENT CO - {$910.00} collection account
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was frauded of {$10000.00} from people claiming to be representatives of Chase Bank. They claimed that other users took money out of my account and I had to send XXXX the amount in order to reverse the payment of {$5000.00} ( the amount that was claimed to be stolen ). I had to do this twice since the first one didnt go through, using their third-party app XXXX. 

XX/XX/XXXX XXXX pm : I called Chase customer service and was told that there was nothing that could be done, as XXXX is a third-party app and that I was the one who made the transaction. They told me to try to ask the fraudulent party for the money back politely. 

XX/XX/XXXX XXXX pm : Called back, was told that there was nothing that can be done. Argued that other people have been scammed with the same exact method. Escalated to fraud team callers supervisor, who gave in to a 10-business day recovery check as a courtesy After further investigation I noticed the exact same scenario had been performed as recently as last year with Chase and XXXX. The victim was reimbursed, while Chase is saying that I can not. 

XX/XX/XXXX XXXX : Went to Chase Bank in XXXX XXXX XXXX XXXX to get help. Spoke with XXXX XXXX and assistant manager XXXX XXXX, who checked the claims online and told me to wait until a decision has been made. 

XX/XX/XXXX XXXX : I filed a police report at the XXXX precinct. 

XX/XX/XXXX XXXX : Claim inquiry was disregarded ; moved onto the investigation. 

XX/XX/XXXX XXXX : return to Chase Bank in XXXX XXXX XXXX XXXX before it opens at XXXX. I wait almost an hour and a half. 

XX/XX/XXXX XXXX : Speak with Chase banker XXXX XXXX XXXX who dials the Claims department. 

XX/XX/XXXX XXXX : Speak with XXXX XXXX who tells me that decision will be made between XXXX of XXXX. Transfers me to his supervisor, XXXX, who lets XXXX fax over written documents and police report to the department. 

XX/XX/XXXX XXXX : Speak with XXXX on the phone. Tells me on the line that the fax was successful but was updated today that the decision was rejected that day because it was technically an " authorized transfer and Chase has no responsibility '', even though others have received their money back from the same fraud. 

XX/XX/XXXX XXXX : Transferred to supervisor XXXX XXXX of the Claims department, who tells me there's nothing Chase can do. 

XX/XX/XXXX XXXX : XXXX transfers me to XXXX of the global recovery line, who tells me to go back to the Claims department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have setup a profile with equifax, and have setup a credit freeze. I need to purchase a new car, and so I have been trying to lift the credit freeze with equifax, which is the company my auto dealer verifies credit with. When I try and login to XXXX, it tells me to call equifax. i called equifax on XX/XX/XXXX. They told me to confirm my identity that i needed to send in us mail my social security and drivers license. i sent this on XX/XX/XXXX. They claim they never received it. so, i sent it again, via certified mail, and the XXXX confirmed their receipt of documents on XXXX. now, i have been a month unable to get a car due to this issue. they claim they still dont have confirmation of my materials even though i have confirmed delivery. I really need help for equifax to unlock my XXXX information so that i can unfreeze my account. my information was made available as a part of the equifax data breach, so it seems that hackers might have more access to my info than I do. Please help me get this resolved. thank
Product: Credit reporting or other personal consumer reports

im a victim of identity theft. im also been XXXX. i dont know how to get this stuff.so i file my documents to get fraudulent accounts remove. i mail it, they said they never recieve it. i mail it again and so go the same thing.a friend of mines told me about a government agency that can help me with my situation. so i have file fraudulent documents thru the identitytheft.gov and listed the frauduilent items and have my proof of identity and mal.
Product: Debt or credit management

Navy federal credit union owes me for illegally charging me junk fees based on a class action lawsuit for victims during the years XXXX I have been a navy federal credit union remember since XXXX. I am owed back money.
Product: Debt collection

I got notification that this collection account was added to my credit report on XX/XX/2022 from Global Asset Agency in the amount of XXXX. I attempted to reach out to the company on XX/XX/XXXX to get information about this debt with the number that was on my credit report which was XXXX. A man answered the phone and stated that this is his personal cell phone not Global Asset Agency. I then attempted to send a verification/debt validation via fedex to this company ( tracking number XXXX ) on XX/XX/2022. It came back as undeliverable to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX address that was on my credit report. I didn't receive any calls or written communication from Global Agency on this account. I finally was able to find a contact number for this account by googling and researching several numbers. I called XXXX and spoke with a guy named XXXX XXXX. I asked him when did he attempt to reach out to me in reference to this debt, and he said sometime around the end of XXXX. He couldn't give me any dates on anything. I never received any mail communications or calls. I also asked him what information did he have on file to validate that I owe this debt, and the only thing he could provide a phone number and address for me. I asked him was there a contract from the alleged original creditor ( XXXX XXXX ) and he said he didn't have it, but would attempt to get it. I asked, how could you attempt to collect or report an account that you can't validate or verify. He began to be very rude, and short with me and then hung up on me. I am very skeptical about this company, because they definitely haven't provided any evidence besides my name and address for this account, and the bank account he provided didn't match mine as well. I told him that I would be filing a complaint, and also disputing this and seeking legal action if they were reporting on an account that doesn't belong to me without sufficient evidences. He claimed that he would email me information and still hasn't. 
The Collection company is Global Asset Agency and their number is XXXX.
Product: Mortgage

I have a second mortgage through Huntington Bank, and it matured in XX/XX/XXXX. The agreed upon note, signed by both the bank and I, states {$40000.00} financed with total interest to be {$28000.00} to be paid back in XXXX installments of {$370.00}. I made my XXXX payment in XXXX, but Huntington states I still owe {$2900.00}. I have not been late, nor have I missed a payment, and I pay electronically by the XXXX  or XXXX of every month. 
I've been trying to get this rectified since XX/XX/XXXX by visiting my local Huntington branch multiple times, and have been told a research team would look into the matter ; they haven't. I have given them copies of my proof-of-payments, asked for why I should have 7.6 more payments after I fulfilled my payments on the mortgage, and have not received an answer of XX/XX/XXXX. I called customer service twice on XX/XX/XXXX, the second time got a hold of a supervisor who told me she'd send emails to start an investigation and notify the consumer advocacy wing of their company. I called again on the XX/XX/XXXX, XXXX, XXXX, and on XX/XX/XXXX. The call on the XXXX a supervisor told me she would " raise the level '' of the complaint and was surprised no one had contacted me since the last investigation. I did ask for an amortization schedule on both the XXXX and XXXX mortgages twice now ; I've received neither. Huntington did send some transactions for the first mortgage from XXXX to XXXX, and on the second mortgage transactions for XX/XX/XXXX to XX/XX/XXXX. The second mortgage transaction show XXXX misapplication reversed payments, XXXX late charges ( wasn't late ), and an escrow deposit ( I have no escrow with the 2nd mortgage ). Moreover ; my principle is the same on XX/XX/XXXX as it is on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I am contacting Pentagon Federal Credit Union Credit Card Services in regards to an account that is showing late payments. My account has shown several on-time payments. However, it wasnt until I received misinformation with a customer representative from Pentagon Federal Credit Union Credit Card Services that this person has indicated that Pentagon Federal Credit Union Credit Card Services reports at 60 days late. I learned that this information was incorrect. I was recently out of the country for work purposes. Pentagon Federal Credit Union Credit Card Services admitted that they have the recorded conversation in which they have provided me with the wrong info but indicated that they will not remove the late payments. 

XXXX, XX/XX/2019 XX/XX/2019 - 30 Days Late
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. Ive already filed a FTC report. And the inquiries are, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Around XX/XX/2023 I RECIEVED AN EMAIL FROM TRANSUNION WHICH IS A CREDIT REPORTING AGENCY OFFERING ME A CAR PURCHASE THROUGH XXXX XXXX XXXX ( A SCREENSHOT IS ATTACHED TO THIS COMPLAINT ) IT WAS A GAURANTEED CAR PURCHASE. I THOUGHT IT WAS BAD ETHICS FOR A CREDIT REPORTING AGENCY TO BE OFFERING A CAR LOAN SINCE THEY ALREADY KNOW THAT I HAVE BEEN TRYING TO PURCHASE A VEHICHLE FOR ABOUT A YEAR NOW SO I CAN WORK. I HAVE NOT BEEN ABLE TO PURCHASE A VEHICHLE BECAUSE ALL THREE CREDIT REPORTING AGENCIES HAVE BEEN REPORTING NEGATIVE ITEMS THAT IS NOT MINE. FOR A YEAR NOW THEY HAVE BEEN REPORTING AND I'VE BEEN TRYING TO DISPUTE THESE ITEMS OFF. BUT ANYWAY TRANSUNION WAS THE INSTITUTION THAT SENT ME THE EMAIL THAT GARANTEED A CAR LOAN SO I GUESS THEY ARE THE ONE TO COMPLAIN ABOUT. I TRIED FOR THE LOAN BUT WAS NOT ABLE TO GET IT!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$5000.00} XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$410.00} XX/XX/XXXX XXXX {$900.00} XX/XX/XXXX XXXX {$1900.00} XX/XX/XXXX XXXX {$2500.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XX/XX/XXXXXXXX {$890.00}XX/XX/XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$31000.00}XX/XX/XXXX XXXX {$62000.00} XX/XX/XXXX XXXX {$400.00} XX/XX/XXXX XXXX {$490.00} XXXX XXXX {$340.00} XX/XX/XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$23000.00}XX/XX/XXXX XXXX {$3900.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXXXX/XX/XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX {$1700.00}