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

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularity in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Experian account was hack/stolen and when I contacted the support line, they gave me the run around and did not help to address the issue.
Product: Checking or savings account

I am trying to connect my checking account to my XXXX  account for automatic deposits and withdrawals etc and it uses plaid ( PLAID ) to authorize my bank and it says that PNC stops it and I have had this happen numerous times I would like that fixed so I can have my bank account linked to other accounts as I want.
Product: Checking or savings account

Capital One terminated my account without providing a reason, which is within their rights. They assured me that my funds would be returned within 10 business days, but I have yet to receive them. Additionally, obtaining information from a bank representative has been challenging since the account is closed. Despite leaving messages as instructed, I have not received any callbacks so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Services 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

For several months now, Bank of America which holds my mortgage has been promising to get me a loan modification. For several months I have provided all the numerous documents they have asked for. Still week after week, I have received more packages from them which is now a big pile of paper. Until I decided to hire a lawyer to help me out. Even with the law firm being involved they have been dragging their feet and even though the last person for my file who was the XXXX person to be in touch with me told me weeks ago that they will have an answer for me in a few days, told me today that they needed two more documents. It is my belief that BOA was never interested to help me out or get me a loan modification. I have paid more than XXXX XXXX dollars to them and still owe XXXX XXXX!! without owning a single brick of my only asset in life. Now I got a letter from a different loan company that BOA has actually sold my loan to them. So I have to start all over again. This is the most unprofessional and unethical company I have dealt with. Not only they were not honest in their dealings, they basically lied to me. Please advise me what to do. I am behind my payments but I do n't want to lose my house. It is the only asset I have. I also have a son with XXXX. I have to spend all my time and energy and money on him. BOA is not an honest broker. 

XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX  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 1681c. ( a ) ( 5 ) Section 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.

You have 72 hours to respond.
Product: Debt collection

Navy Federal Credit union has placed unfair restrictions on my account for a credit card that was discharged in Bankruptcy.
Product: Mortgage

Our mortgage was sold 7 times. The latest lender was Bank of America. No one ever had clear title to sell the house to us and we never had clear title to sell the house. We were notified that the home was being transferred out of Bank of America to FHA. All of a sudden Bank of America foreclosed on the mortgage and we lost our home. We hired an attorney to represent us in the foreclosure, but the judge ruled against us, completely disregarding the fact that a clear title to the house was never possessed and the mortgage was sold so many times. no one could figure out where to get it. I was unaware of the settlement provisions available to homeowners who lost their homes. Are there any actions of recourse to sue Bank of America for not transferring the mortgage as stated and never having a clear title to pass it to us or a mortgage that was good in the beginning of the transaction? The property address was XXXX XXXX XXXX XXXX XXXX , FL XXXX.
Product: Checking or savings account

In XXXX of 2023 I received an email from Huntington bank stating if I opened a new perks checking account I would receive a $ XXXX dollar incentive ( depending on a few factors ) after setting up direct deposit. I was an existing account holder but did not have a perks account. I opened the account, set up direct deposit and never got the credit. I reached out to the branch on XX/XX/XXXX at XXXX and spoke to the banker who informed me my account definitely qualified and I would be getting the credit but not until 90 days after I set up direct deposit. I reached back out on XX/XX/XXXX as this is the date gave to me by the banker for the date I was getting my credit. I reached out at XXXX and was informed that I should be getting it any day and he had confirmed I definitely qualified. I reached back out on XX/XX/XXXX at XXXX and he informed me he was wrong on the date and I should be getting it the first week of XXXX. I called back on XX/XX/XXXX and he told me sometimes there is a day or two of delay and this was why I did not get it. At this time I felt I was being lied to or mislead and I reached out to the call center. After hours of being transferred back and forth and 2 more people advising me I DO qualify and that I would be getting it any day, I felt like the agents were guessing answers. I asked for management. Management again told me I qualified but they couldn't give me exact dates so I asked for someone higher up. When I spoke to someone higher up I was advised I NEVER qualified because I had a previous account ( even though i received the offer to my email that the existing account is under ) I disputed this as I had been told now at least 6 times I qualify. She said she was filing a compliant within the bank for the misinformation and I would get a call back. I never did. I called back on XX/XX/XXXX ( to the call center ) as I did not hear anything and I was told NOTHING was opened and no escalation took place. The agent I spoke to told me she was opening a complaint, gave me a reference number XXXX stating the customer advocacy team was going to handle my concern and I would be called back in 3 days. I got no call so I called back on XX/XX/XXXX and was told there was " nothing they could do '' and because the branch gave me wrong info I needed to call them. I called them on on XX/XX/XXXX and was told the banker who lied to me for months was " new '' and that was the excuse for the wrong info. I then was told he would escalate to his superior and received a call back 3 days later to be informed they couldn't help me. This is gross disregard for my time, breaking banking laws by lying to me and wrong for a business to do. I had transactions bounce and my account is now negative due to the lies I was told
Product: Credit card

On XXXX XXXX, 2015, Im received a cancellation email from American Express. After, receiving the email i called customer services, and then got transfer to a credit special in another department. Im ask them why my account were cancel, since i was making payment on time and my credit score and financial affairs are all good status. Agent said because my credit fall to XXXX on XXXX XXXX. Im explain to them that right at the moment i have a credit score of XXXX and do n't understand why they took this decision. Then the specially mention inquiries I 'm have done with other banks, and Im said I 'm have apply to other credit cards company during the last past days since my income have got up. Then the customer services he will take in to consideration and will give a decision within 90 days. I called today, and i spoke to another American Express agent and he said I 'm was denied. 

Im feel I 'm was discriminated and rejected for making payment on time and having a good credit score. Im have almost XXXX rewards point in less than 3 months and I 'm were trying to be the best customer and then for not reason at all they closed my account. I 'm believe I 'm lost about {$500.00} worth of reward points. Im strongly believe this is unfair and discriminatory and wonder how can you help me take this in to the next level, because what they just did it just unfair under bill of rights. Thank You!
Product: Credit card or prepaid card

I purchased XXXX bedroom set from Room to Go on XX/XX/XXXX a total of {$3200.00}. This purchase was from the promotion, that was " no full payment, interest for 60 months. '' I paid deposit on XX/XX/XXXX and XX/XX/XXXX a total of {$500.00}. 

The furniture was delivered by XX/XX/XXXX. There was no other furniture and nothing absolutely purchased from Room to Go after this day of XX/XX/XXXX. AND I DO NOT HAVE ANY OTHER CARD FROM ROOM TO GO WITH SYNCHRONY BANK. 

I received my first bill on XX/XX/XXXX. I reviewed and found several errors, and had transaction of " WARRANTY PURCHASED ''. I have never purchased WARRANRTY OF ANY FURNITURE. 
I called immediately to the Synchrony Bank and asked them to make corrections. They told me " yes we will do and send you updated statement next month ''. XXXX month statement had no changes. It is since every month I am calling them and spending hours on the phone for correction. But they did not make any changes. 
The Synchrony Bank have been calling every day from different phone numbers, any time during the day and night, morning and sending emails of reminder of missed payment. 

FURHTER TO THIS MESS MADE BY SYNCHRONY BANK, THEY HAVE REPORTED FALLSFULLY TO THE CREDIT BUREUE AND REDUCED MY CREDIT RATING TO XXXX POINTS BRINGING DOWN TO XXXX POINTS. 
THE ACT OF THIS SYNCHORINY BANK IS ABUSIVE, FORCED CHARGES, IMPACTING MY CREDIT, MAKING HARRASING CALLS ANYTIME ON MY PHONE, MUST BE ACTIONED BY THE PROTECTION BUREAUE IMMEDIATELY. 

I AM ATTACHECHING WITH THIS COMPLAINT SOME DOCUMENTS. I HAVE THE STATMENTS FROM SYNCHRONY BANK AS WELL, MARKED WITH THE ERRORS THEY MADE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job and they conducted a background on my behalf however I dont have anything on my background and when I called I was informed that Sterling Info System was in court for giving false reports.
Product: Checking or savings account

I open the account made a deposit then when I made a deposit they said they can identify me and then close the account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX called on XX/XX/XXXX stating someone trying taking a loan in my name for XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX
Product: Credit card

I am a XXXX and I requested a pin for a cash advance. Once they received notification of that request I get an email that they lowered my limit from {$20000.00} to XXXX my balance was around XXXX on one card and they lowered the limit on both cards. I called them and they stated based on credit. credit was never pulled and in fact my scores increased to over XXXX. I don't have any delinquencies or blemishes on my credit. my scores are high because my balances are not maxed out. I'm very cognoscente of my credit because of what i do for a living. I particular use this card because it give me airline points for free tickets. I believe that the mere fact that I requested a cash advance alerted them to assume that there is financial difficulty, and they lowered my balances which has now affected my score. lowering my limit to my actual balance dropped my score XXXX points because it looks like I now have two cards maxed out. You can not offer the benefit to a customer cash advance and the minute they want to use that benefit you flag them. I want my limit increased back to where it was to increase my score. they can also close my account but increase my limit so my score is back where it was. i do not wish to use them or patronize them any longer. this is not the type of business tactics I want to be associated with. I have found that they have done this to several people and there's no recourse. it's not fair that they drew me in with the benefits and as soon as i tried to use them im penalized. they have no proof that my credit was a factor because my credit is excellent, well was since they lowered my limit and score has been affected
Product: Credit card or prepaid card

Good morning. 
I opened a credit card account with HSBC in order of transfering funds from a high interest credit card. I was approved and the transaction for such transfer went into effect on XX/XX/19. However I noticed that my high interest credit card never received the funds. A few days later I called customer service and I was informed that the funds could take up to 20 working days to take effect. I waited those days but I kept calling the company to follow up in the status. I began to notice that the authentication process could not recognize my phone number nor my PIN and I had to use internet banking everytime for authentication. 
A month passed and I was charged $ XXXX because according to them the money had been transferred and I was late in the payment ; so, as they put it it was better to make the payment to avoid damages to my credit. I kept calling and at last they say that some information was wrong and that the transfer never took place. Moreover, they say that because more than 16 days had passed I was not eligible for the 18 month no interest. I refused to re-transfer the funds as the purpose of me opening that account was precisely the no interest for 18 months. They offered to reverse the transaction and refund my payment. Yet, on XX/XX/19 at XXXX XXXX I received an e-mail telling me that my payment was due. I called them back and they say that they were charging XXXX for fees involving the transfer and I was already late. I had no other option that to pay the remaining due for that fee on XX/XX/19. Still they are charging me a late fee of $ XXXX that expect to see it reflecting soon. I must add that no bill was either delivered or e-mailed and I only received a letter confirming the reversal of the transaction. 
At this time that company can't answer why I can't be authenticated using my phone number which I used before with them, nor why my pin is not recognized.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN, I AM XXXX YEARS OF AGE AND MY IDENTITY WAS STOLEN I NEVER HAD SO MUCH OF THE DEBT AND CREDIT CARD IN MY WHOLE LIFE LIVING SOMEONE HAS PRETENDED TO ME AND IM JUST CHECKING MY BECAUSE I WANTED TO BUY ME A HOUSE FOR ME AND MY XXXX  HUSBAND. I DONT KNOW HOW MUCH THE AMOUNT WAS ON EACH NEGATIVE ITEMS BUT CAN YOU PLEASE INVESTIGATE AND DELETE FROM MY CREDIT REPORT PLEASE.
Product: Debt collection

AMERICAN MEDICAL COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount of {$150.00} is being reported. 

I have contacted them because my supplies were sent to an old address. I changed my address with them years ago and they still sent them to the wrong address. I should n't be paying for something I did not get and was sent to another address, when I called then to change the address.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX PayPal has permanently limited my business paypal account after over 10 years of doing business with them, sending me an email stating taht I can no longer do business with or through them but also holding all my funds. Funds that I have received from clients that I have provide it services in my office. Amount of funds being held by PayPal total {$11000.00}. I have health issues and this has provoked me with lots of stress, and XXXXXXXX XXXX. I will hold paypal accountable for any health problems thsi issue might arise. I have XXXX kids to support with the money they are holding.
Product: Debt collection

And XXXX I received a letter from the IRS stating that I owe to them almost {$10000.00} in taxes for a vehicle purchase through Wells Fargo financing. This vehicle was purchased as a joint vehicle however win the 1099 seas were distributed we were divorced they sent a 1099 to my ex-husband For the amount of {$24000.00} and they sent one to me as well in the amount of {$24000.00} saying that both of us owed taxes on {$24000.00} The total cash price for the vehicle according to the credit application is {$26000.00} When you add those together that is almost {$49000.00} so both of us were required to pay taxes for {$24000.00} when the vehicle was only {$26000.00} we asked them if they could send us 1099 cc with the corrected amount because technically we should be splitting the cost of the vehicle and they refused. They said that was not something that they did even though we were no longer married. They said that we should just be able to ask our tax professional to split it the IRS said no you can not do that. The IRS said that we both must pay taxes as the 1099 sees state that we should because that is what Wells Fargo reported I am still in debt with the IRS due to the fact that Wells Fargo refused to split the balance of the vehicle between both of us when I told the IRS that we would end up paying almost {$20000.00} in regards to this debt and that Wells Fargo was reporting fraudulent information they did not care Wells Fargo was very hesitant and not compliant and sending me documentation of the debt when I asked them to it took them about a year to do so.
Product: Credit reporting or other personal consumer reports

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Product: Debt collection

I 've been a XXXX customer for many years, I added a new phone account for my cousin. She purchased the phone plus a new number under my account. I recieved on my credit report that I owe {$110.00} and was sent to collections. I contacted XXXX, they said I 'm up to date on my payments. That I should contact the collection agency and dispute it immediately.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was the person I seen in finance to complete the lease paperwork. I made it clear that the vehicle was for my personal use not used for any business purposes then on XX/XX/XXXX I received three bills for GMC Financial for property tax totaling {$1100.00} I called and spoke to someone at GMC customer service an explained that the information should have been filled out at the dealership I was told that there was no lessee 's affidavit on file that I had to pay the taxes and was mailed lessee 's affidavit back in I filled out the form an had it notarized as requested. I mailed it back to GMC Financial XX/XX/XXXX called back about 3 weeks later they said they had not received the Lessee 's affidavit then they mailed another form I mailed the form back to the address that was in the letter stating the address to send the form back to an emailed it also now are still saying that they have not received the form now I will have to pay tax fees for XXXX I need help getting this solved.
Product: Credit reporting or other personal consumer reports

Receiving code XXXX  Score : XXXX Reasons Code : XXXX Text : THIRD-PARTY SECURITY FREEZE ALERT CHEXSYSTEMS from a financial institution. I have contacted all XXXX major credit bureaus to confirm no active freezes. Then contacted Chex Systems directly to provide a report reflecting no freezes. The confirmed there is no freeze but also would not help me with providing information to financial institution who keeps getting this error saying that there is one. Now I have a freeze via Chexsystems that I did not authorize and can not locate.
Product: Debt collection

On   XXXX   XXXX   XXXX    , I received a call from  XXXX . I did not answer nor did the caller leave a message. I looked up the phone number on  XXXX  and the number came up as  XXXX   XXXX .     I tried to call the number back, it is actually a debt collector called, The Revenue Group.     They are impersonating themselves pretending to be a legit company to trick the receiver of the call.
Product: Credit card or prepaid card

Regarding my recent late payments due to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX