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

On XX/XX/XXXX there was a transfer done from my Bank of America mobile app, which actually uses XXXX to send the money. The money was not authorized to be transferred as it was done without my consent, however, with it being one of my recipients I thought I could simply ask for my money back. The recipient did not receive the money either. When I contacted Bank of America XX/XX/XXXX they basically told me they were not responsible for XXXX and they could not do anything to help me. I proceeded to tell them I did not authorize the transfer and they allowed me to file a claim, but I received three separate letters stating that my claim was denied because it was done from a device that is consistent with previous valid account activity. The letters were dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The letter dated XX/XX/XXXX stated they were doing further research and it would take 45 calendar days to complete the research. The time has passed and I still have not heard back. I still don't know who received the {$2500.00} that was transferred from my business checking account on XX/XX/XXXX. The only thing Bank of American could tell me was that the money was sent through XXXX to a XXXX XXXX Bank account. I was not given any other information. On XX/XX/XXXX I tried to requesting {$2500.00} from the phone number that was used to send the money to originally and oddly, I received a notification stating that the phone number was not registered with XXXX. After researching online I found that XXXX should not have been able to take money out of my account if the recipient did not set up account with them. As of today, I still don't have my money and I don't know who does. XXXX refuses to get back to me and even the branch manager at my local Bank of America is frustrated with me and no longer can help me she says. I don't know what else to do, but I need my money back. Please help.
Product: Debt collection

Credit report act section 1681b ( c ) please validate this information and provide copies any or of all account with my signature authorization of an inquiry with my signature inquiries need to be deleted Title 15 USC 1692 ( a ) 3, title 15 XXXX XXXX, title 15 USC 1681s-2 all inquiries hard/soft need to be removed 15 USC 1681s-2 ( b ) everyday they are not removed XXXX per violation, XXXX identity theft fine
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has caused damages by not removing false incorrect information of Billing Errors I've asked them to Keep accounts and remove negative and false information they refuse even though i have sent in proof as well as refuse to send the proper tax forms and other request as well as payment received for I, the Consumer account to be properly credit and balanced This is on going three years now, please see attachments all Sent Certified Mail and Next Day Air
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my credit report XXXXXXXX XXXX  XXXX XXXX XXXX 2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XXXX 2022 Per the Fair Credit Reporting Act, Section 611 ( a ), any information that is inaccurate, incomplete or can not be verified must promptly be deleted within 30 days of your receipt of this dispute. I look forward to receiving an updated copy of my credit report reflecting the above corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i write to all these XXXX agencies to fix the issues of my amounts were paid in full as agreed as for XXXX and XXXX XXXX card alleged balances. I called even last week XX/XX/17 and i just given the run around with nothing. I am suffering from there actions as i cant get the house to buy when i have done what is right long time ago. I now reach out as my last hope as they just not right with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information showing on credit report. this is a FTC violation.
Product: Debt collection

I received an alert on my credit report that a company named Account control technology is now on my files. I have no knowledge of this debt. I have no idea where the debt came from because I have not been contacted by anyone at all. Please remove this from my file and provide some type of verification and validation that this debt is indeed my debt. It is unlawful to falsely report things without proper validation.
Product: Credit reporting or other personal consumer reports

My account was in arear and I applied to the NYS Housing Assistance for help and on XXXX XXXX NYS sent a wire [ check ] to my mortgage company XXXXXXXX XXXX  in the amount of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) to be applied to my account. 
I called XXXX and ask for my credit to be updated and was told that would be updated on XX/XX/2023. Today I pulled my credit and was surprised to see the in accurate information that was reported to the credit bureau. It states that I am 120 days late and that my balance has been increase to {$220000.00}. As a result XXXX XXXX has closed my account.I find this deceptive because each month they report my credit to the burau but nothing like this. Why when a payment is made something like this could happen. Please I am asking you for help because I have no one advocating for me. Please see attached from the credit bureau. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tek Collect has ignored my disputes in regards to medical information on my credit report. I never used Tek Collect and they have obtained my personal information and is reporting this on my consumer report.This goes against FCRA and the FDCPA. I don't know or owe Tek Collect anything.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against M & T Bank for charging multiple monthly fees on my account, which I believe is unfair given the circumstances. 

Due to an extended business trip from XXXX through XXXX, I was unable to actively monitor my account or address the minimum balance requirement during that period. Upon my return, I was shocked to discover that M & T Bank had charged me monthly fees for each of these months, resulting in a significant financial penalty. 

While I understand the importance of maintaining account minimums, the application of these fees in this case seems excessive and lacks consideration for reasonable extenuating circumstances. My inability to manage the account during this extended period was due to business obligations, which were unavoidable and not a reflection of neglect. 

The cumulative impact of these fees is disproportionately burdensome and adds unnecessary financial stress, especially given the short-term nature of the disruption. I have reached out to M & T Bank to request a waiver for these fees, explaining my situation in detail, but have not received a satisfactory resolution. 

I respectfully request that the CFPB investigate this matter and encourage M & T Bank to adopt fairer policies for assessing fees under such circumstances. Specifically, I am asking for a full waiver of the monthly fees charged during my absence and a review of their approach to fee waivers for customers with legitimate extenuating circumstances. 

Thank you for your time and attention to this matter. Please feel free to reach out if further details or documentation are needed. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The recent CFPB lawsuit has shed light on some major issues with the platform, and it's unacceptable that you've had a hard time getting your concerns addressed. When you've reported discrepancies and tried to recover lost funds, you should be able to get some help and support from Zelle and your financial institution. 

It's especially concerning that Zelle has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is a huge problem, and it's putting consumers ' safety at risk. I mean, if someone gains access to your bank account and makes unauthorized payments, that's considered fraud, and you should be able to get your money back. But if you're tricked into authorizing a payment, that's considered a scam, and it's a lot harder to get your money back. 

The thing is, Zelle 's user agreement states that authorized payments are final and irreversible, which means that if you send money to someone who's enrolled in Zelle, you're basically out of luck if something goes wrong. And while some types of scams may be eligible for reimbursement, it's not always a guarantee. 

To make matters worse, there's no such thing as a " Zelle chargeback, '' which means that once a payment is sent, it's typically irreversible. However, if you're a victim of unauthorized activity, your bank may be able to help you get your money back. 

So, what can you do to protect yourself? For starters, only send money to people you know and trust, and make sure you're using two-factor authentication to keep your account secure. You should also be careful about sending funds to unknown parties, and watch out for red flags like suspicious requests or unfamiliar recipients. 

It's time for Zelle to step up and take responsibility for protecting its users. The CFPB 's findings are a wake-up call, and it's clear that something needs to change. As a user, you deserve better, and you should be able to trust that your money is safe when you're using the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with all three credit bureaus and all three credit bureaus ruled in favor of the fraudulently opened account due to data furnisher, whatever that is after I have repeatedly tried to convey to them that I have no knowledge of this account at all I did not open this account
Product: Payday loan, title loan, or personal loan

American First Finance reached out to me regarding a debt collection for couches purchased at a store called XXXX XXXX. I advised them that I never initiated a loan or purchased any couches from a company called XXXX XXXX. They sent me a document to fill out regarding fraud which I completed and returned. However, they continue to state that I got a loan and purchased the furniture. I spoke to another rep who then stated that I purchased the items from XXXX XXXX  XXXX. I advised that I purchased my daughters bedroom set from there, but it was paid in full with cash and that I did not obtain a loan. I have sent them proof of the transactions, I proved that I paid in cash and they continue to state that I purchased couches. I was advised to get a police report. However, when I called down to the police station I was told that it happened to long ago and that they can only take a statement. I'm at a loss and do not know what further steps to take.
Product: Money transfer, virtual currency, or money service

Without my authorization, on XX/XX/2020, XX/XX/2020, and XX/XX/2020, my PayPal account, which was directly linked to my bank account, withdrew {$990.00} in three separate transactions. These fraudulent charges, totaling almost {$3000.00} were illegally transferred to prepaid Visa gift cards. The scammers then converted the language to XXXX and changed the mobile phone number associated with my account. Neither the bank nor PayPal notified me regarding these transactional anomalies. I attempted to contact PayPal by phone, but was diverted to a live chat where customer service indicated that this was not an isolated incident and provided the above information, for which I have a screen shot transcript. When I pressed to have my money returned, PayPals customer service replied that they needed more time to further investigate the charges. After one week of going back and forth on chat, PayPal customer service then claimed that the, charges are valid. I emailed PayPals claims department, but my messages went unanswered. Using the chat tool, I asked to be escalated to a manager. Their response was someone would call me. I repeatedly asked for a direct number to their Theft and Fraud department. It too went unanswered. Frustrated, I sought help from my bank from where the money was stolen. The bank correctly determined that the three transactions were indeed fraudulent and re-deposited the funds back into my account. At that juncture, I assumed the situation resolved. PayPal had closed the message thread, but still had not followed through with any form of communication from either a manager or an  investigator. On XX/XX/XXXX, I logged into PayPal and discovered that I now have a negative $ XXXX. balance in my PayPal account. Again, I attempted to resolve this via the live chat, but all of my queries have gone unanswered. I am unable to close my PayPal account due to the ( now ), erroneous negative balance. I am concerned that this will adversely affect my excellent credit rating. PayPal has been uncooperative from the very beginning. This has cost me time - many hours spent attempting to resolve with PayPal and having to take time off of work to go into the banks branch to close the hacked account, then reopen a new account and cancel the credit card on file, money - cost of buying new checks and stress not only being hacked, but an uncooperative PayPal.
Product: Debt collection

Subject : Formal Complaint Regarding Unauthorized Access and Coercive  Collection Practices Dear XXXX, I am writing to express my deep concern and dissatisfaction regarding your recent actions in accessing my non-personal information without consent and attempting to coerce me into paying a debt for which I am not obligated. Your actions not only breach my privacy but may also constitute a violation of identity fraud laws. 

It has come to my attention that XXXX has added an account to my credit report without my authorization. I must emphasize that even in the case of permissible purpose, the consent of the consumer is required, which, in this instance, I have not granted. This egregious breach of privacy demands immediate correction by removing XXXX from my credit report. 

Moreover, I am alarmed by the fact that your company has contacted me without obtaining the necessary consent to do so. I want to make it unequivocally clear that I do not wish to engage in any business dealings with XXXX and I am under no legal obligation to do so. 

In accordance with Texas-specific laws, I refer to the following sections : 1. Texas Finance Code 392.202 : Unauthorized Access to Consumer Information - TSI/940 accessing my non-personal information without consent is a violation of this code, and I demand an immediate cessation of such activities.

2. Texas Finance Code 392.202 : Coercive Collection Practices- Attempting to coerce me into paying a debt I am not obligated to pay constitutes a violation of this code.

Furthermore, the actions taken by TSI/940 may also be in violation of federal laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : - Adding an unauthorized account to my credit report without proper consent is a direct violation of the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c : - Contacting me without my consent is a breach of the FDCPA.

Additionally, I want to bring to your attention the following federal and state consumer laws : 3. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 : - Unauthorized access to my non-personal information may also be in violation of the EFTA.

4. Texas Business and Commerce Code 17.50 : Deceptive Trade Practices- Your coercive collection practices may be considered deceptive trade practices under this code.

I demand that TSI/940 cease and desist all unauthorized collection activities immediately, remove the inaccurate information from my credit report, and confirm this action in writing within 15 days of receiving this letter. Failure to comply with these demands will leave me with no choice but to pursue legal remedies available to me under both state and federal law.

I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account closed and reflected as closed on my credit report in XXXX of XXXX  the company has extended the closing date several times and refuses to remove the entry from my credit report
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXXXXXX 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
Product: Mortgage

I recently learned that when then Bancorp South foreclosed on my home and sold my house they received {$15000.00} more than I owed them. This was 2013. 
I owed them {$50000.00} and they sold the house for {$65000.00}. When I contacted the Lawyer that handled this foreclosure, XXXX XXXX, he told me to stop calling Cadence Banks President and get a lawyer and that he'd only speak to Attorney. 
I am a XXXX  and I can't afford a lawyer. I am owed this money and I expect them to give.me my money. 
It appears they stole my money. 
Also BanCorp South bought Cadence Bank so that is why the name changed.

Also, please see my previous complaints regarding this bank.
Product: Debt collection

I am on XXXX leave from work and my Supervisor has contacted me to state that calls repeatedly. Supervisor has a call log showing how often the creditor calls. The call log shows creditors name, telephone number, and time of day that caller calls
Product: Checking or savings account

Fraudlant charges on my card I reported them to bank of america the day they happened. 

Bank of america rejected my chargeback wven though i reported my card stolen in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my purse on XX/XX/2020. Someone got it and use my information and documents to open an account with debt {$12000.00}. There is a couple returned my purse in the mall and ask me to paid them {$200.00} to get it back, I paid them and I dont know if they are the fraud. Last month I check my credit score was down because of this debt {$12000.00} but I was not the person apply or open this account. I have reported to XXXX, Equifax about my credit score. My credit score in the last 2 years is always very good. No debt. Always pay on time. Now I want to dispute this problem and hope you can help me investigate to solve it to get back my real credit score. Thank you!
Product: Credit card or prepaid card

Earlier this year, XXXX XXXX of XXXX XXXX XXXX  contacted me. I paid {$6500.00} for a tax and advisory services I was led to believe was necessary for my business. 

He talked about Tax preparation services, record keeping, forms and filing dates etc. and that this package of services would cost thousands less than a CPA. I have come to find out they are not who they say they are and I dont want to continue a business relationship with this company, they have lied and deceptive. I have also never received any of these services so therefore I feel I am entitled to a FULL REFUND. 

I have never spoke with anyone again nor have they done anything for me. I now realize that this is all a sham and I have become a victim of another fraudulent telemarketing sales call. The {$6500.00} I paid is not justified for these services. 

I have tried to cancel the service several times in writing with the merchant telling them I do not wish to continue these service nor do I want XXXX XXXX doing my taxes, but they said they wont and cant refund even though I have never even dealt with or have they done any tax services. I am requesting if you could please help me get my money back. 

Thank you in advance for your attention with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Fed Loan Servicing for the past several years regarding late payments showing on my account from XXXX and XXXX of 2017. I applied for a hardship forbearance like I have in many years past for the 2 months in question in XXXX of 2017. I called on several occasions and was told that it was being processed. I was eligible for this forbearance because I was going through a temporary financial hardship at this time. I was told at one point that I completed the wrong type of hardship and had to do another. In the meantime, I had no idea I was being reported as late. This was my first and only time being reported late to the credit bureaus. I called to dispute and was asked to submit a formal dispute which did not turn out in my favor. My hardship was ultimately processed, but I was still reported as late. I am asking that my credit report be updated to show that the payments were in forbearance as discussed with a representative during that time.