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

I used the Zelle money service to digitally pay for a service. The issue occurred when the wrong email address was entered due to auto correct. This happened for two transactions, and I had written to XXXX and Zelle to fix the issue. Zelle told me to consult my financial institution. XXXX told me that since the money was sent to the email address listed that it was not an error. Clearly it was when it didn't reach the intended merchant. XX/XX/XXXX I originally sent {$530.00} to the wrong email address ; I had put XXXX instead of XXXX. I then made a second transaction on XX/XX/XXXX for {$250.00}. This is unacceptable customer service and is crazy to me, how can companies just rip people off out of money like this?
Product: Debt collection

I believe the debt collecting company has inflated this bill. Also I believe their client has added charges by balance billing. 
I have disputed the bill and have requested an itemized statement- with dates of service, medical codes of all fees for service and a documentation of me consenting to the original amount due. 

I was told they could not supply the information. Prior to my call today, they did mail a very evasive statement- which was not detailed. Just an amount and a date.
Product: Checking or savings account

I have online account with CIT bank. I was in the High Yield savings account. XXXX XXXXXXXX. In 2022, they reduced my interest rate to XXXX XXXX APY and then quit offering the High Yield savings account. They began offering another savings plan called Platinum Savings They advertised XXXX XXXX APY for deposits of > {$5000.00}. However, they didnt notify me and let my funds just sit there only drawing XXXX XXXX  APY. When I checked my account and noticed the low interest rate I called them and they said their marketing team came out with a new savings plan and I could convert my savings to the Platinum plan. They admitted they did not send account holders of the High Yield savings plan any notice of their intentions to reduce our interest to the bare minimum and not notify us.
Product: Debt collection

I was told an attorney would get involve, & & that this debt has been way over due for to long. impersonating they were an law official. please prove that it is me that owe you whoever you might be, PLEASE! That's all i ask!!!!!! & i want that information ASAP this has gone on XXXX enough!
Product: Credit card or prepaid card

In XXXX while reconciling my bank & credit card statements, I came across 3 separate charges in the month of XX/XX/XXXX on my Capital One Visa card to a merchant named XXXX XXXX which I did not recognize. I tried to find more information on my statement both written & online but there was no other information beside the vague name & it is stated as grocery store. I contacted Capital One & advised them that I did not recognize these charges & needed to get more information about the merchant, i.e. actual name ( XXXX search of a grocery store named XXXX   XXXX delivered no results ) and/or address/phone #. The rep I spoke with said they had no further information about the merchant & that a fraud investigation would be opened to further investigate. I was credited the charges pending investigation. On XX/XX/XXXX I was notified in writing by Capital One that they had concluded the investigation & that it was not shown to be of fraudulent in nature & that I would be debited the 3 charges on my account without any further information about the merchant 's name, whereabouts or other clarification. I contacted Capital One to ask what information they can provide me to prove that these were, in fact, legitimate charges but they could & would not provide me with any other information except to say that the charges were made using my chip card & because I had not reported my card stolen at the time, they concluded the charges were legitimate & they would not contact the merchant for more information. I spoke with two different supervisors ( XXXX - Agent # XXXX & XXXX - Agent # XXXX ) who confirmed that they would not provide any further information & I would be responsible for the charges. XXXX put me on hold attempted to XXXX search the merchant 's name to locate their business & he could not find any information about this merchant. It is hard to believe that they are using the same search engine as I am to try & locate a merchant that they paid funds to. I believe that I am entitled to get more information about this merchant & find out where they are located & the real name of their business before assuming responsibility for the charges. Capital One 's claim that because the chip card was used to make the purchase that I am responsible is not enough since my card could have been used without my authorization without my knowledge during the time of these charges. I am also questioning if this is even, in fact, a legitimate merchant for that matter. It is unbelievable that a credit card company would not provide this basic information.
Product: Credit reporting or other personal consumer reports

The last time I sent these Consumer Reporting Agencies some letters, I asked them to process a REINVESTIGATION on these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I only received your system-generated letter in a mail from XXXX, with a File Number : XXXX. Aside from that, no resolution has been made. You know, this is very important to me because I am trying to maintain my credit scores to the best of my ability, so I can request for future loans which will be used for some important purposes. If they wont correct these errors and mistakes that they have furnished on my credit report, then these would definitely hinder my chance to apply for some credits.
Product: Credit card or prepaid card

I was with Bank of America. I had a secured credit card and I ended up being incarcerated. I wrote 3 letters to XXXX XXXX headquarters and they would not respond. My wife constantly tried to pay on a secure card which was my own money but they continued to deny her access to pay even with my written consent while away. She tried for weeks and they denied so I wrote again. I even called to resolve and they told me your account is closed for lack of response. Mind you, this is a secure card that I faithfully paid on time every single XXXX month. They closed it saying I had an outstanding balance of {$15.00}. This was so sad because it now sits on my credit report. Its not right. I told them prior and authorized my wife as a user to make payments or decisions on this account. She did everything she could do but they closed it. All for {$15.00}. I got a call and they forced me to pay the account off for the {$15.00} even after they knew I was incarcerated. They said there is nothing we can do for you. They closed it only this but also my checking account due to monthly service fees I accrued while away. They basically just used my situation to get money and make my credit bad. Please help me!
Product: Credit card

On XX/XX/XXXX, I contacted Comenity Capital Bank to inquire about an increase in my balance. My previous balance was {$1300.00}. Comenity Capital Bank responded on XX/XX/XXXX and indicated that my promotional plan expired and that I accrued a finance charge of {$1400.00}. On XX/XX/XXXX, I offered to pay the entire balance prior to the promotional plan ending. They told me to check my statements. I informed them that I have not received a statement via email since XX/XX/XXXX. The last statement was sent under the email XXXXcomenity.XXXX. They responded by saying that an email was last sent on XX/XX/XXXX. Upon checking and filtering my emails for statements, the last email sent was on XX/XX/XXXX under the email XXXXcomenityXXXX XXXXhat was the last email sent by the same company with XXXX different email addresses.
Product: Credit card

I made two payments to my account one on XX/XX/XXXX and one on XXXX XXXX both payments were deducted from my account on XX/XX/XXXX and the on XX/XX/XXXX. 

My bank has verified the payments were transmitted successfully and the funds were received by them. 

The payments have not reflected in my availably credit show XXXX when my available credit should be XXXX. 

I have contacted Milestone and they advise me that it takes 14 day for payments to post to your account and reflect to your availably credit. 

My bank advised me that Milestone received the funds on XXXX and XX/XX/XXXX and if they had not recived the funds the funds would not of been posted to my account by them.
Product: Credit card or prepaid card

XXXXXXXX XXXX XXXXXXXX credit card belongs to my mother only. She applied and received it for herself only. I was added as a family member. Once we found out that it listed me as an authorized user and therefore responsible for the bill. My mother called I think in XX/XX/XXXX and requested that my name be removed from the account and that it be reported to the credit reporting agencies. XXXX XXXX XXXX customer service rep assured that it would be done. In addition a formal letter was sent to XXXX XXXX XXXX/XXXX datedXX/XX/XXXX to request that the above been done. A copy of the letter can be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly 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 that tracking these transactions was infeasible. The CFPB 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 scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Debt collection

I WOULD LIKE FOR THIS TO BE REMOVE FROM MY CREDIT REPORT AS THIS IS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Protections Under the Coronavirus CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. If you miss one or more loan, credit card, or mortgage payments because of the coronavirus ( COVID-19 ) pandemic, the creditor can report you as delinquent to the three main credit reporting bureausEquifax, XXXX, and XXXX your credit score will take a hit. The CARES Act, which was signed into law on XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) XXXX XXXX XXXX XXXX Last 4 of account # XXXX XX/XX/XXXX ( XXXX, XXXX )
Product: Debt collection

I disputed this collection account with CCS Services on XX/XX/XXXX asking them to send me verification that this debt belongs to me.I still have not received anything pertaining to this debt. This debt is supposedly from XXXX while i was pregnant with my twins. During this time i had insurance so thats why i need valid proof of this debt. Also the company that sold this debt is breaking HIPAA Laws by discussing my medical records with third party if this debt is mine. Upon researching CCS Services the are illegally trying to collect debts in Ohio. This company is not registered with the secretary of state in Ohio so they cant actively do business in the state without registering.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for previous violations. I request that the CFPB take action to ensure that Equifax complies with the federal law and provides consumers with the necessary proof of investigation Here are the accounts reported XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting

I can never get a copy of my credit report I 've called and gave my information over the phone. And still nothing I am getting tired of these credit reporting agencies that say you can get your information for free withing XXXX days.
Product: Mortgage

I was behind on my mortgage due to illness and covid 19 and I continued to contact the ( Fay Servicing ) mortgage company and they continually gave me a run around telling me I have to pay {$5400.00} but I was only XXXX behind in my payments. The account managers will not return my phone calls they told me to wire {$5400.00} last week which I did and they returned it trying to force foreclosure on my mortgage. They also told me I would receive a letter from an attorney a month ago which I still have not received but every time I call them they up the dollar Amount that I need to pay but theyre not applying my payments to my account. Its so unfortunate, especially with my household crisis being affected by this covid-19 and trying to stay safe. To have a mortgage company constantly trying to force me and my family from our home.
Product: Checking or savings account

Good morning I reached out to get my situation looked at. I have proof that this account was closed out and my money was used on my account with a results of my account being closed out I was told that I would get the remain of my money on balance with a check sent to my old addresses years ago. I have did research and see that I can contact an attorney in general or the XXXX  and the CFPB for this matter all I would like it my money that was use unfair please. If not I have no choice to reach out to get this matter resolved I have told them this multiple times and know I am exhausted behind their decision because they refuse to close my account and send me my funds thats from the dispute. Also a closure check and a disclosure from this account was told yesterday this account is still open and was lied after that is closed but its not I believe they are keeping my account open for fees. I know it was strange I was logged out my account after my claim was denied and told that they will not be letting me keep my account anymore but I never received any mail or email stating this.
Product: Credit card or prepaid card

In XX/XX/2023 I changed my bank account information. I went into each credit card app and deleted my old bank account and updated it with the new one. The only card that gave me an issue was Synchrony. On XX/XX/2023, this credit card company took money from my new account and also tried to process a second payment from my old deleted account. I called and discussed this with multiple people through out XXXX. Each person told me it was taken care of which it was not. Then I was told I need to file a dispute which I did. I gave my bank statements showing the processed payment. I received no follow up. I called in XXXX, XXXX and in XXXX my app showed a " purchase '' on XX/XX/2023 for {$110.00}. I have made no purchases on this card since XX/XX/2023. I called and was informed that this was my " missed payment '' from XXXX. They said that my dispute was cancelled because I did not provide the required information. I argued and they opened another dispute. On XX/XX/XXXX I once again gave my bank statement showing the payment and the time stamp from my account when the payment processed. Today, I received another letter saying I have not given the appropriate documentation. I called and was told I need to give a copy of the front and back of the cashed check. I paid through the online app via debit card and there is no check. They have now charged me twice for XXXX. I feel like they committed fraud by trying to take money from a deleted account. They except payment with a debit card but if you dispute something the only way to have it resolved is by showing a copy of a check. This is fraud.
Product: Bank account or service

I paid XXXX on my Chase Freedom Card by accident about 6 months ago. I do my banking online and meant to pay my XXXX XXXX card. I did not use the other card at this time. 
When I discovered my error, I stopped in to the XXXX, MI Branch of Chase Bank and talked to an a man in the office. He looked up my account and said yes I see you have this credit on your Chase Freedom Account. 
I asked him to correct it and put the money in my checking account so I could pay XXXX XXXX. 
When I was in XXXX XXXX, MI, I went in to the Chase branch of the bank. This man at a desk said there was not a similar amount paid from my checking account to anybody. Therefore he said I did not pay it. It took me several calls and internet messages to get this credit removed from my Chase Freedom Card. 
Yes I want to file a complaint. I do n't know how this debit did not show in my checking account but I know I made this payment and know I meant to pay XXXX XXXX on which I had a balance because I was using this XXXX instead of my Chase Freedom. 
Now they have deducted this XXXX XXXX on my XXXX XXXX but say this was a bank error. In my XXXX years of banking, I have never had a credit posted to any credit account in my life. 
File a complaint in regards to credit card issues with chase, by going online to consumer finance.gov, phone by calling our contact center at XXXX or file complaint form which you can request by calling the contact center, or lastly by fax or mailed in letter if you choose to file by mail please have you letter include : - Name- Mailing Address- Phone Number- Company Name- Company Mailing Address- Account Number- Desired Resolution- Details of any communication you have had with the company about the issueAnd mail toConsumer Financial Protection BureauXXXX XXXX XXXX XXXX, Iowa XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am disputing multiple violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws related to the reporting, validation, and handling of my credit information. The following issues form the basis of my dispute : Willful Noncompliance : Credit reporting agencies accepted and reported inaccurate information about me without verifying its accuracy, violating FCRA Section 616. Each instance of this violation could result in civil liability of up to {$1000.00} per occurrence.

Failure to Disclose Opt-Out Rights : My rights under FCRA Section 603 ( d ) ( 2 ) ( A ) were disregarded when I was not informed of my option to opt out of sharing personal information. This omission constitutes a deceptive practice.

Deceptive Reporting : Inquiries and accounts were furnished on my credit report without validation, violating FCRA Section 623 ( a ) ( 3 ) and potentially contravening Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Practices Violations : Under the Debt Collection Practices Act, debt collectors engaged in unfair practices, such as reporting inaccurate debts and sharing my information with third parties without consent.

Unlawful Disclosure to Third Parties : My information was improperly disclosed to credit reporting agencies, violating location information disclosure regulations.

Inaccurate Reporting of Late Payments : Payments were reported as late without clear definitions or justifications, constituting deceptive practices under timely payment regulations.

Incorrect Finance Charges : The reporting agency failed to determine finance charges accurately, violating their obligations.

Unauthorized Hard Inquiries : Hard inquiries appeared on my report without my written consent, in violation of 15 USC 1681b ( a ) ( 2 ), which governs the permissible purposes for accessing consumer credit reports.

I have detailed specific accounts, addresses, and inquiries that require correction or removal. Additionally, I have requested validation of debts per 15 USC 1692g, including original contracts or agreements bearing my signature. Failure to provide validation means the information must be removed from my credit report. 

My demands include : Deletion of incorrect personal information. 
Correction of late payments to reflect paid as agreed, never late. 
Validation or removal of unverified debts and collections. 
Removal of unauthorized hard inquiries. 
I expect these issues to be addressed promptly. If my demands are not met, I am prepared to pursue legal remedies to enforce my rights under the FCRA and related laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Dept of EducationXXXX , 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