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

I am writing formally to express my concerns regarding Zelle handling of disputes, particularly in the light of T he recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me. that recovery lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicates that zelle has not only neglected to protect consumers but has also allowed repeats offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Mortgage

My primary residence was a total loss as a result of the XXXX XXXX  of XXXX. Its been nearly 4 years since the house burned down and I am only now ready to proceed with the rebuild. Due to many delays that were out of my control. Wells Fargo has extended forbearance and deferments of my mortgage payments during this process, however they failed to properly disclose to me that those arrearages would be due and payable in full prior to me rebuilding otherwise they would foreclose, which is what they are now doing. 
They could not produce one document that states would be the case let alone one that I had signed/acknowledged. This action that they are taking is predatory. 
They have all of my insurance proceeds In an escrow acct which they are owners on as well, they will be forfeited once they foreclose as I understand. 
PLEASE help me. I lost everything but now have a wife and a XXXX  that I would like to be able to proof home for. I will never be able to own a home in my community if Wells Fargo takes this from us.
Product: Credit card or prepaid card

Citi bank closed my account which was in good standing without warning. When I called them to ask why my account was closed without notice they advised me it was due to non-usage. The account has a XXXX balance and is in good standing. This dropped my credit score. This caused me harm and I work hard to keep my credit in good standing.

I was planning to use the card to travel but due to covid 19, I haven't had the opportunity yet. This seems like unfair business practices. Please advise me on what to do. I called Citi bank and they refused to re-open my account. They told me I could re-apply for the card I had but refused to remove the inquiry that comes along with applying for credit. This seems very unfair. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Money transfer, virtual currency, or money service

I sent money with western union on XX/XX/XXXX Amount.XXXX $ to XXXX for business payments Western union tooks money from my XXXX XXXX bank account on XX/XX/XXXX it should deliver by XX/XX/XXXX as promised by western union But it never delivers even more than 3 weeks I start flowing western union by calling/emails/social media customer service after XXXX XXXX XXXX Regarding my payment but they flair to provide me any information but only keep saying that your money has been delivered but when I ask my receiver there was no payment at all And aftr 3 weeks western union told me that our bank partners in XXXX gives us wrong information about your payment so we apologize and we ll refund your money to your bank account From XX/XX/XXXX to XX/XX/XXXX I haven't received my money back or the payment in XXXX Because of this 32 days delay I loose my business in XXXX the damage to my business costs me XXXX XXXX XXXX XXXX  rupees around XXXX $ So I want you to help me to cover my damages from western union Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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

I SETTLED THIS AFFIRM ACCOUNT XX/XX/2022 FOR {$440.00}. I HAVE MADE NUMEROUS ATTEMPTS TO BOTH XXXX AND AFFRIM DIRECTLY FOR THE PAST FOUR MONTHS TO GET THIS OFF MY CREDIT REPORT WITH NO SUCESS. EVERY TIME I CALL I GET A DIFFERENT REP WHO SAYS THAT THEY WILL LOOK INTO THIS AND LET ME KNOW IN 30 DAY THE OUTCOME. EVERY TIME AFFIRM SAYS THE ACCOUNT IS VALID AND THAT I STILL OWE THEM MONEY. THIS IS INCORRECT I HAVE PROVIDED BOTH EMAILS AND A LETTER THAT THE COMPANY PROVIDED STATING THAT THE ACCOUNT WAS SETTLED AND THAT MY BALANCE OF {$0.00}. I NO LONGER OWE THEM ANYTHING. THIS IS VERY FRUSTRATING AS I HAVE MADE GOOD ON MY DEBT. THIS IS HINDERING MY CREDIT SCORE AS IT IS STILL REFLECTING AS A NEGATIVE ACCOUNT. IT FEELS AS AN INJUSTICE THAT NO ONE IS TAKING THE TIME TO READ WHAT THE LETTER AND EMAIL STATES. CONSUMERS BEWARE BEFORE DOING BUSINESS WITH AFFRIM THEY ARE QUICK TO REPORT YOU BUT LACK THE RESPONSIBILITY TO REPORT TO THE CREDIT BUREAU WHEN YOU ARE IN GOOD STANDING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to XXXX, XXXX, and transition on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have XXXX, XXXX, and transition remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  from my credit reports XXXX
Product: Vehicle loan or lease

My XX/XX/XXXXXXXX  XXXX was fraudulently repossessed during the middle of the night by Capital One Auto Finance. There was a settlement for this vehicle in XX/XX/XXXX. The initial Settlement letter offer was dated XX/XX/XXXX and had a suspense of XX/XX/XXXX. The settlement amount was for {$1700.00}. In acceptance of the settlement offer, I had a cashier check made through XXXX XXXX XXXX XXXX   on XX/XX/XXXX for {$1700.00}. The Settlement check and confirmation response letter was sent on XX/XX/XXXX by certified return receipt mail via USPS. Capital One received and signed for the letter on XX/XX/XXXX. The letter referenced the account # and the VIN # for the vehicle. The letter also stated : " I received your account settlement offer, dated XX/XX/XXXX, and agree to pay the settlement amount of {$1700.00}. Upon your acceptance of my enclosed payment, XXXX Cashier 's Check ( gave check # ) in the amount of {$1700.00}, Capital One Auto Finance will consider the above referenced account as Settled in full and no further payments will be required as a result of this settlement. Upon settlement of this account, within 30 days of receipt, Capital One Auto finance will report to all credit bureaus that this account is settled in full and has a {$0.00} balance due/owed for : ( Names were Provided ) and the Vehicle Title will be mailed to me along with confirmation of receipt of payment and settlement. Additionally, No further collection activity will be taken by Capital One Auto Finance, nor will Capital One Auto Finance pursue any further collection activity via third-party collection agencies. '' After they received the payment, they updated the information on both my and my daughters credit reports to reflect " Dispute Resolved ; Reported by Grantor ''. Capital One states the escalation department will take 2-3 business days to investigate the issue. This is causing a loss of employment wages which they should be responsible to pay due to this violation of my rights with said vehicle in addition to the cost for the day care for my granddaughter which is still charged in her absence. The vehicle is currently located at XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I was told I had to make an appointment to go retrieve the personal belongings in the vehicle until the issue is resolved. This includes my granddaughters only car seat. Capital One needs to update their records as settled and also send me the title to the vehicle.
Product: Credit reporting

on XXXX XXXX, 2016, I saw my experian credit report and notice a fraud statement that did not pertained to me. I did not write nor call experian and ask them to put a personal fraud statement on my credit report. I can say that someone used my information without my consent. But i never asked the credit bureau to put a fraud alert, which included a personal statement that I did not add to my credit report, and the credit bureau listed a old phone number that I had 5 months ago
Product: Checking or savings account

I have tried to open a bank account at wells fargo and XXXX XXXX XXXXXXXX and I keep getting denied due to an account already being opened in my name
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see incorrect accounts on my credit report, and I have absolutely no idea how this happened. Ive checked my report as usual, but this time, there were unexpected discrepancies. I even refreshed the browser, thinking it could be a glitch, but it wasnt. The wrong accounts were still there. Thats why Im asking for a thorough check of the documents Ive submitted, so I can put this behind me for good.
Product: Credit reporting or other personal consumer reports

False Credit Reports and the same false information is being reinserted into my Credit Report on XXXX and Experian.
Product: Credit reporting or other personal consumer reports

CAL CODE OF CIVIL PROCEDURE 337. Written obligation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Written obligation ; Four years Within four years : ( a ) An action upon any contract, obligation or liability founded upon an instrument in writing, except as provided in Section 336a ; provided, that the time within which any action for a money judgment for the balance due upon an obligation for the payment of which a deed of trust or mortgage with power of sale upon real property or any interest therein was given as security, following the exercise of the power of sale in such deed of trust or mortgage, may be brought shall not extend beyond three months after the time of sale under such deed of trust or mortgage.

( b ) An action to recover ( 1 ) upon a book account whether consisting of one or more entries ; ( 2 ) upon an account stated based upon an account in writing, but the acknowledgment of the account stated need not be in writing ; ( 3 ) a balance due upon a mutual, open and current account, the items of which are in writing ; provided, however, that if an account stated is based upon an account of one item, the time shall begin to run from the date of the item, and if an account stated is based upon an account of more than one item, the time shall begin to run from the date of the last item.

( c ) An action based upon the rescission of a contract in writing. The time begins to run from the date upon which the facts that entitle the aggrieved party to rescind occurred. Where the ground for rescission is fraud or mistake, the time shall not begin to run until the discovery by the aggrieved party of the facts constituting the fraud or mistake. Where the ground for rescission is misrepresentation under Section 359 of the Insurance Code, the time shall not begin to run until the representation becomes false. 

( d ) When the period in which an action must be commenced under this section has run, a person shall not bring suit or initiate an arbitration or other legal proceeding to collect the debt. The period in which an action may be commenced under this section shall only be extended pursuant to Section 360.

Californias Statute of Limitations on Debt The statute of limitations on debt in California is four years, as stated in the states Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment. The limitations period begins to run as soon as the cause of action accrues ; that is, from the occurrence of the last element essential to the cause of action. ( Neel v. Magana, Olney, Levy, Cathcart & Gelfand ( 1971 ) 6 Cal.3d 176, 187. ) Reporting this misinformation is in direct violation of my consumer rights stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, 12 CFR 1016.7
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$47000.00}
Product: Mortgage

I wanted to payoff the loan with SLS Loan servicing LLC. Received payoff quote letter dated XX/XX/XXXX, total payoff amount with interest calculated to XX/XX/XXXX is XXXX. My escrow company wired total payment of XXXX to SLS Loan LLC on XX/XX/XXXX with interest calculated to XX/XX/XXXX. SLS Loan somehow changed the loan payoff quote to XXXX last minute on XX/XX/XXXX with additional escrow impound balance of XXXX due to missing insurance policy info ( a policy was purchased on my behalf by SLS as my own insurance policy provided to SLS was miscoded as master policy ). I received a letter stating the shortage of XXXX ( XXXX plus interest calculated to XX/XX/XXXX instead of XX/XX/XXXX ) in order to pay off the loan on XX/XX/XXXX. 
despite of numerous phone calls to customer service stating the escrow impound balance of XXXX had been reversed and brought down to XXXX, thus the shortage of XXXX should be non-existent. SLS insisted that I temporarily covered the shortage of XXXX so the loan can be closed and then everything will be reconciled so the XXXX wrong shortage plus over charged interest will be refunded to me shortly after the loan is closed. And that's the ONLY way loan gets paid off. I sent the wire payment of XXXX on XX/XX/XXXX and SLS received on the same day. Loan was paid off as of XX/XX/XXXX. 
I received a final refund check in the amount of only XXXX on XX/XX/XXXX with no statement showing how XXXX came up with the refund amount. I tried to call customer service a few times on XX/XX/XXXX and XX/XX/XXXX, agents could not answer my question and said to have someone at higher level call me back right away. I received no call backs at all. 
the refund amount should be the full XXXX. SLS made the payoff process extremely difficult and frustrating with no response, no timely help, no capable agents over the phone. insurance policy was miscoded by SLS which resulted in the shortage, yet I, the consumer had to suffer. overall, the most horrible experience I had with any mortgage company by far. 
Also, I was charged {$25.00} fee when my escrow company first requested payoff quote. we never received the quote in the mail, thus I had to call to request a FAX. I got charged {$25.00} again. I have no clue how total {$75.00} fee was charged by SLS while their initial payoff letter on XX/XX/XXXX was even inaccurate. Escrow company followed thru based the initial payoff quote from SLS, then the borrower had to make up the difference and waste more time for this rather easy process.
Product: Credit card

I have been a customer with American Express for over 5 years. I have never missed a payment, been late and have sometimes paid way over my monthly amount due for each payment. If i use the card i receive emails that i am using too much and yet i am no where near approaching any of the limits provided. It's very frustrating to constantly have limits decreased or receive these emails. I am now being told they need access to my bank account in order to increase the limit back to my previous limit.
Product: Mortgage

On XX/XX/XXXX, I requested an appraisal to have my PMI removed. U.S. Bank declined to offer me this option. Instead, I was told I could pay for a Broker 's price opinion but had to appraise at a higher value, or I can pay close to $ XXXX to have the PMI removed. 

In XX/XX/XXXX, U.S. Bank refunded my {$600.00} appraisal fee because I had yet to meet the two-year mark to qualify. At that time, I was told my property value needs to rise to 20 percent equity to qualify. 

My original loan was {$260000.00}. 
My current balance is {$250000.00}. 

Based on the above, I qualify for PMI removal if my property appraises at {$320000.00}.
Product: Debt collection

About a year ago I contacted this company about this debt. I sent written notice that this was not mind I have document this debt was removed. As of two months ago this company has placed this false debt back on me. I do not have a contract with this company, have not gone to any hospital any two months ago, false debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXXXXXX XXXX XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error of the reporting of my account onto the Experian and XXXX  Credit bureau. I have disputed the account asking them to do a full investigation of the account multiple times but they have failed to do so and fully validate the debt as it is still reporting on my credit report. They are not following the guidelines of the FCRA in needing to fully investigate the item they are fully reporting onto my account and if that Is the case and they are incorrectly reporting and not following the guidelines to delete I ask that they delete the account on my report as it is hurting my credit score that they are not reporting correctly. 

I have disputed this multiple times in the last 3 months due to seeing the error on my account. Experian now says it is a frivolous dispute. The last dispute I did with them this month they said the company certified that it is correct. The investigation from my understanding is the credit beau is suppose to be doing the investigation not just calling the creditor.
Product: Vehicle loan or lease

Capital One repossessed my car during XXXX XXXX pandemic and then tried to to resale me the car for a ridiculous amount. They resold the car and then said I owed {$300.00} and they would clear my credit report if I gave them a one time payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : New York Zip : XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Student loan

Improper student loan collection : breach of contract ; fraudulent, deceptive and misleading representations in debt collection ; collection by unfair and unconscionable means ; and fraud. Navient " redisclosed '' and " realigned '' the terms of the consolidated student loan repayment to increase the monthly payment amount after about 14 years of timely payments. No previous payment was ever late, and nearly all monthly payments were for more than the minimum amount due.