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

I am writing to express my dissatisfaction and file a formal complaint related to my experience with Zelles handling of fraudulent transactions, which has led me to be part of the class action lawsuit against the company.

I have encountered a situation where I was a victim of unauthorized or fraudulent transactions through Zelle. Despite my immediate attempts to reach out to Zelle 's customer service for assistance, I was met with an alarming response : I was told that it was impossible to track the transactions and that there was no way for me to recover my money. This lack of accountability and support has left me feeling vulnerable and frustrated, especially since Zelle promotes itself as a fast and secure method of transferring money. 

I find it unacceptable that Zelle does not take responsibility for fraudulent activities on its platform, nor does it seem to have an effective means of tracking or preventing such incidents. This not only undermines consumer trust but also raises concerns about the company 's willingness to provide adequate protections to its users. 

I urge the court to take my experience into consideration as part of the class action, as I believe many others may be facing the same struggles. I am seeking accountability from Zelle for its lack of consumer protection, failure to provide adequate support, and refusal to help recover lost funds. 

Thank you for your attention to this matter. I hope my complaint will contribute to holding Zelle accountable for its actions and ensure that future users are better protected from similar issues.
Product: Mortgage

I have requested a PMI cancellation and paid for the appraisal that was ordered by Mortgage company. I have received the appraisal report that was ordered by the company and found out that it is incorrect. The gross living space ( Sq ft ) of the house is incorrect and also the comparison done against the other house is completely wrong as they are not the identical to each other in sq ft or the taxes paid. Since the compared list is wrong the value of my house was incorrectly provided as $ XXXX have a neighbor whose house is exactly the same as mine with exact sq ft and an appraisal that was done on it turned out to be {$390000.00}. This house is exactly opposite of my house. Additionally, Some recently sold Comparable Houses within the same community would be with same sq ft and tax assessed value : [ address provided in attachment ] home sale 1 Sold XX/XX/XXXX for {$390000.00} home sale 2 Sold XX/XX/XXXX for {$390000.00} home sale 3 Sold XX/XX/XXXX for {$380000.00} home sale 4 Sold XX/XX/XXXX for {$390000.00} But non of these were considered for comparison and instead were compared to the house sold in the same community with lower sq ft. I think the appraisal done on my house is inaccurate and the company that was chosen to do this was incompetent to do the job. I have done several additional upgrades to the house which did not factor into as well. I have provided all of the information and reached out to the mortgage company on this so that they can reach out to the appraisal company and try to have it corrected. But instead took a months time to review and tell me that tax valuation is considered that government does is less reliable and the formal valuation which was done incorrectly was correct and no action would be taken even after providing proofs and copy of other neighbor appraisal copy which is identical. Instead they are not taking no action or attempts to understand and resolve the issue.
Product: Credit card

I am disputing the amount of {$90.00} from the XXXX transaction for earbuds. Reason because I get a bad XXXX XXXXXXXX XXXX XXXX that I never have before until I started using the earbuds that I'm disputing. I tried to resolve with XXXX by asking to return the item for a full refund they did not corruperate earbuds was sent out to XXXX and they sent it back so therefore I'm requesting for the amount of {$90.00} to be disputed effectively thank you.I am writing to dispute a charge of {$90.00} for a pair of earbuds purchased from XXXX. The reason for this dispute is that I experienced a XXXX  XXXX XXXXXXXX XXXX  XXXX  after using the earbuds, which I had never experienced before. 

I attempted to resolve the issue with XXXX by requesting a return of the item for a full refund. However, they did not cooperate, and the earbuds were sent back to me. 

Therefore, I am requesting that the amount of {$90.00} be disputed effectively. Thank you for your attention to this matter. 


These are documents that was sent out to discover to resolve. 

I have sent all information that was needed and everything I have said is correct. XX/XX/XXXX I call XXXX about XXXX XXXX I was getting while using there profucts and I wanted to return for a full refund! I was told I have to sent out the product for it to get evaluated I made it clear that after whatever evaluation that was going to get perform that I did not want the products back due to the XXXX that I get from it. I sent the product back and sent all pictures to the XXXX which was the case XXXX XXXX XXXX XXXX would call and leave voicemail in an unknown number to let me know updates etc. XX/XX/XXXX was the last voicemail and update I received from her letter me know that they have received the product back. Then on XX/XX/XXXX I recieve a call from a number letting me know they have sent the product back because evaluation is cleared I told them I have made it clear that I don't want the product back do not sent it back. As I read through XXXX evidence it state that I only call about the status of order that is all false and incorrect and I demand that a full refund be posted to my account at this time because I did everything on my end to resolve this issue!
Product: Checking or savings account

I was charged in the middle of the night between XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. By XXXX  XXXX utilities for XXXX transaction charges to my debit card for XXXX, XXXX, XXXX. I do not reside in Okaholma city, do not have family in oklahoma city. I woke up on XX/XX/XXXX to the transactions reported. I called USAA and was told I had to wait for the pending charges to clear, I returned my call on XX/XX/XXXX once the pending cleared and requested my credit card be replaced, and that fraud investigation was being done. I had explained to the agent that they will fraud check me at a gas pump XXXX miles from my home, but did not fraud alert or pop a system alarm for XXXX repeat transactions the same exact day in a whole other state. My charges on XX/XX/XXXX were deemed not fraudulent even though no investigation was completed. I Could provide proof I was working at XXXX XXXX XXXX at the time, I Could provide my Utility company state for XXXX XXXX, I could provide my other School job and childrens attendance that we were all present in TEXAS where we live at the time of the FRAUDULENT charges. They denied the charges and stated I was responsible for them, so you're telling me that as a banking individual that is to trust a bank with my money someone stealing my card number and paying clearly an electric bill in another state even though I have a XXXX charge in TEXAS the day of the OKLAHOMA charges. They requested no proof, they didnt communicate or reach out or ask for additional documentation the whole 90 days that I waited for approval. Instead they reversed it and denied it.
Product: Credit reporting or other personal consumer reports

I have been XXXX  for a while and looking at my credit now I see that there are old accounts that I don't not know are that I ever had an account with them to begin with there are a lot I try calling to get them removed the fact that some are out dated. 

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 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 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 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 these accounts need to be removed they are not mines and or out dated
Product: Money transfer, virtual currency, or money service

Unable to use money in account, always gives notification that it is denied due to fraudulent activity making it unavailable for use! Cashapp has given zero resolution and has yet to fix! Have been dealing with this for nearly a year where Im unable to use my mobile wallet associated with cashapp for purchasing items.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit card

On XX/XX/year> I received a text message from my bank, Chase, that my card could not be used for a XXXX $ purchase at XXXX XXXX XXXX XXXX To please select a different form of payment and if I did not attempt this purchase to call the number on the back of my card. I logged into my account to investigate at which time i noticed there were a total of XXXX charges to XXXX XXXX XXXX XXXX The 3 charges varied in amount but they were for XXXX, XXXX, and XXXX. I was only alerted about the XXXX charge. I immediately called and made a claim that a fraudulent charge was made on my account using my card. 

Customer service aided me in deactivating my card and my account had been locked due to the fraud. I was told there would be a investigation and a credit would be applied to my account in a few days. After a few days I received a notification in my Chase app saying that " We found that the transaction ( s ) was processed according to the information you provided or was authorized ''. The letter continued on to say that " No adjustments will be made to your account at this time. ". 

I called Chase to find out why it was denied and i was told that because the transaction was done using XXXX XXXX  and no additional devices had been added to the XXXX account that it was seen as a authorized transaction. I told them i don't use XXXX XXXX at all and that the only card in my XXXX wallet is my corporate XXXX card I only use for work. They said i need to reach out to XXXX and they would be able to help me because " there was nothing else they can do. '' I called XXXX and told them the entire situation. They could not even find the transactions i was speaking about as well as even going as far as remote assisting and controlling my corporate phone to assist me. They were as confused as I was with what Chase had told me.
Product: Debt collection

On XXXX/XXXX/2016 I was contacted at phone number XXXX, by Penn Credit, looking for a person named XXXX XXXX. I advised XXXX XXXX that I never heard of XXXX XXXX and that Penn Credit has the wrong phone number for that person. This is the second phone call from Penn Credit looking for XXXX XXXX. On XXXX/XXXX/2016, Penn Credit was previously advised that they have the wrong phone number for XXXX XXXX and to please stop calling XXXX. Please advise Penn Credit to stop calling my home and to update their records, Thank you
Product: Payday loan, title loan, or personal loan

Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money Multiple loans provided to me by XXXX, funded XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amounts of {$450.00}, {$650.00}, {$750.00} and {$800.00} respectively were made at a significantly higher interest rate. I have also discovered that XXXX is not licensed to make loans in the state of Georgia.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. It shows 7 late payments, starting with ( " 60 '' days late ), 1 month showing " No Data '', and I in fact paid on time. The consumer reporting agencies need to report all information complete and accurately. I've attached a copy of the report with this complaint, on account ( XXXX XXXX XXXX Acct # ( XXXX ) Opened XX/XX/year>. ) I'm asking you to investigate this account and update these payments to " Paid on Time '' immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that are reporting on my credit file that do not belong to me. I don't even know who's accounts they are. There is one with XXXX XXXX XXXX XXXX  and a XXXX XXXX. They are showing me as an authorized user but I don't know who these belong to. There is also a credit inquire that is reporting on XXXX  with a place called XXXX and I never applied for anything with that company. Someone opened an account in my name and that was resolved however they never removed the actual inquire.
Product: Money transfer, virtual currency, or money service

Coinbase, Inc. i s registered as a  XXXX   XXXX   XXXX  with  XXXX ,  XXXX  registration number :  XXXX  They provide a money transmitting service by exchanging cryptocurrency tokens to and from local  XXXX . This service is advertised as " instant '' for  XXXX  residents.     On  XXXX   XXXX   XXXX  ( GMT +8 )   XXXX  , I initiated an exchange of  XXXX  ETH tokens into  S  {$1.00},  XXXX , which was supposed to have been credited immediately into my Xfers account . S  {$0.00} was credited while the  18  ETH tokens were debited.  Xfers  is a payment processing company Coinbase partners with. I have contacted Coinbase at  XXXX  XXXX  XXXX , their only official source of correspondence, and also highlighted my missing funds to their representatives at  XXXX  and  XXXX . I have also made a complaint to  XXXX .     On  XXXX   XXXX    XXXX  ,  Coinbase  closed my account with no explanation, completely denying me access to my previous transaction records, while still owing me  S  {$1.00},  XXXX . It is   XXXX   XXXX   XXXX     today. 35 days have passed and I still have not received my funds. All I have in possession are countless excuses from peripheral Coinbase staff/ automated bot mails delaying what should have been a simple money transfer. The " instant '' transfer is fraudulent advertising and it can not be legal for a business to withhold a customer 's money under what it has claimed to be a custodial account. I should have access to my own money and transaction records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, State of Ct Department of social service Acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX LLC acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Auto Acct # XXXX Have 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with bogus and fraudulent addresses appearing on my credit file that I do not recognize. My full name is XXXX  XXXX. XXXX please remove any other variation of my name. My DOB is XXXX-XXXX-XXXX SS XXXX-XXXX-XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX.XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, MI XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # 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
Product: Credit reporting or other personal consumer reports

I have sent out several letters asking for validation and deletion of the accounts on my credit report that is reporting negatively. I have enclosed the letters I have sent with no response back. 
Letter one on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Dear XXXX XXXX, Re : Account # XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

This account is inaccurate and does not belong to me. I do not have a contract with this company. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Letter 2 on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX XXXX , Re : Account # XXXX XXXX, XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX Reporting twice on my credit report, I do not have a contract with this company. Delete immedietly. 

XXXX Reporting inaacurate information, I do not have a contract with this company. Delete immediately. 

XXXXreporting inaccurate information. I do not have a contract with this company. Delete immediately. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit card

I gave American Express a application witch was a exchange for credit and it is my trust and it is my private information on that original documents witch are called comercial paper I need my original application if I did not get any benefits from my comercial paper I will need that back as soon as possible you have about 15 days to return my application that I applied to get the XXXX American Express unlimited open and end account with the charge card???
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I checked my credit score and it has decreased. It indicates that I have student charges. I assume that my college may have charged me for the summer practicum that I removed myself from prior to the deadline. I've contacted my practicum instructor and let her know of my decision to withdraw prior to the withdraw deadline as well. She reminded me to drop the practicum class using the college website. I clicked on the register and drop section on the college website to double-check and I was not listed for any practicum activities. I notified my instructor that I didn't see the practicum on my list.
Product: Credit card

I had a XXXX  subscription through XXXX  that I canceled on XX/XX/XXXX ; I have email confirmation from the merchant that the subscription was canceled on this date. Since then, I was charged by the merchant three times for {$9.00}, once on XX/XX/XXXX, again on XX/XX/XXXX, and again on XX/XX/XXXX. I reached out to XXXX  multiple times, who on each occasion have assured me that I do not have an active subscription and that I should not have been charged. Since I should not have been charged here on XX/XX/XXXX ( Dispute Number : XXXX ), XX/XX/XXXX ( Dispute Number : XXXX ), or XX/XX/XXXX ( Dispute Number : XXXX ). I contacted Wells Fargo by phone several weeks ago and requested that they block this merchant from charging me further since Ive made many additional attempts and requests to the merchant ( XXXX ) that they stop charging me, but I continue to get charged every month. Wells Fargo continues to deny these disputes and continues to deny my request to block this merchant from charging me, even though I have on each occasion provided more than sufficient documentation to substantiate each dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the last four months to dispute the inaccurate late payment on my credit report. XXXX XXXX acknowledges to me on the phone that they will remove late payment on account ending in XXXX. 
but when the credit reporting agency calls the say it was late yesterday XX/XX/XXXX I pushed until I received a letter from XXXX XXXX stating I had a XXXX balance on this above mentioned account when Equifax XXXX  or XXXX call XXXX XXXX holds the assesed missed payment of XXXX annual fee plus interest and late fees is accurate and when I call in the dismiss me and tell me they will handle and call back in 7-10 days I have phone records from XXXX to now showing numerous calls