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

I am writing to formally express my concerns regarding Zelle 's 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 unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my identity theft package over several times and nothing has been updated on my account. I am XXXX and this is XXXX me out along with my baby.
Product: Checking or savings account

I have opened a checking account and savings account with Discover Bank last XX/XX/XXXX since they have an offer that if you made a {$25000.00} deposit within 30 days they will give you {$200.00} bonus. We decided to transfer our savings account from XXXX XXXX XXXX to Discover since they also have a higher APY. Gradually, I have transferred my money to Discover and I already closed my XXXX XXXX XXXX savings account. 

I even moved my direct deposit payroll account to Discover Checking Account. 

My total money at Discover is about XXXX for the checking and XXXX for the savings account. 

All of a sudden today, XX/XX/XXXX. I received an email saying that both my checking and savings account at Discover is being closed. I called customer service and they only said that it was due to business decision and they will give my money back via check after 60 days. 

I tried to ask for a manager but they said no one was available. I transferred my savings to Discover since I wanted my money to earn more interest. I was a Discover Card member since XXXX and I am not sure why they would just close my checking and savings account just like that without any notice or someone calling me why they are doing that. 

That money is for my daughter 's college tuition fee which is I am going to use for her enrollment for this coming semester. 

The total money in question is about $ XXXX. I can't wait 60 days to get my money back. I can't access my account anymore since they already close it. 

Appreciate your help regarding this matter so I can get the money I deposited to Discover bank. 

Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and this is my official notice that I've been a victim of a crime. The Fair Credit Reporting Act ( FCRA ) Section 605B offers identity theft victims with critical protections that can help them recover more swiftly. An Identity Theft Report can be used to permanently remove fraudulent information resulting from identity theft, such as accounts or addresses, from a victim 's credit report under the FCRA 's sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). 
I have tried to contact this company a number of time, it still continues to report the fraudulent accounts in my credit report. Below are the fraudulent accounts of my concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX I am attaching my previous dispute letter that I had sent them including a fully signed FTC report document for your analysis and review
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXXXX/XX/XXXX
Product: Mortgage

XX/XX/XXXX I mortgaged ( through a HARP loan ) my property located at XXXX XXXX XXXX in XXXX, RI to Green Tree XXXX and had my taxes escrowed. Taxes on this property are $ XXXX/yr. ( $ XXXX/quarter ). An amount of {$350.00} was transferred from the previous lender into the new escrow account. Monthly escrow was set at {$180.00}. XX/XX/XXXX they paid the quarterly taxes of {$560.00}. In XXXX they paid the quarterly taxes but in the wrong amount. They paid {$580.00}. The tax collector called me and alerted me to a problem. I called the bank and I thought it was all taken care of. 
XX/XX/XXXX they paid {$560.00} which was the correct amount. But in XXXX they paid {$1100.00}. The amount they paid was a combination of my XXXX properties. Again XX/XX/XXXX they paid {$1100.00}. XX/XX/XXXX I received an Escrow Disclosure Statement telling me I am XXXX dollars behind in my taxes. I have sat on the telephone with the bank from XXXX of this year until last week when I finally gave up. They have people dunning my account and telling me to pay up or else. XXXX XXXX XXXX unnamed ) and I had a shouting match and he told me if I did not pay all of this money owed they would foreclose on my home. I did not do anything wrong. They made the mistake and they need to fix it. Every time I called them to get things straightened out they said they needed to investigate and after each investigation they always came back with the same results and that is I owe them XXXX dollars and I better pay up. I have only had this mortgage for one year and it should not be that difficult for them to figure out what they did wrong. I am at wits end and need help.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX81i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Product: Debt collection

I purchased furniture at XXXX XXXX, XXXX, La. The transactions associated with this creditor were in my opinion, unprofessional, demanding, humiliating. My credit report is shot due to COVI., and unable to continue XXXX XXXX XXXX XXXX. 
I need to move out of my home and downsize due to my health. I can not do it due to my credit report. I am without a car due to my credit report. 

Hope to get this resolved ASAP. Thank You. See attached documents.
Product: Debt collection

I 've received numerous calls from this company called East PointGroup out of XXXX New York threatening me that if do n't call them back they will file a lawsuit against me and take me to court. Now they are calling my parents home number ( I do n't live there ) and also are calling my ex wife threatening them as well with legal action. Their number that shows on the caller id is XXXX I do n't owe any debt to anyone I just checked my credit report today and nothing shows up listed as East Point Group. I would like them to stop calling and harassing me.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am trying to get a modification with Mr. Cooper and day to day the requirements change. In XXXX of 2019 Mr. Cooper offered a modification that was only {$200.00} less that the original mortgage payment amount. DUE to an error/miscalculation on THEIR part I declined it and resubmitted a second modification packet per THEIR policy. And I am now having the hardest time. EX : the very same XXXX transcript request that I submitted in XXXX to receive the approval ; I was contacted today XX/XX/2019 and told that it was an outdated form and will not be accepted. I literally took the same form and changed the date. THAT'S ALL I DID! And now it can not be used. Also they told me I can not put my loan number on top of the document. Remember, I used the same form that I used previously and the modification was approved. I believe that MR. Cooper 's claims/requests are fudiciary attempts to push my account further into foreclosure process.
Product: Credit reporting or other personal consumer reports

Trans union My credit score dropped XXXX points for no reason Nothing has changed.They agree nothing is changed!!!! 
Score is now XXXX Last month was XXXX I inquired about it with the company today XX/XX/XXXX, and they can find no reason for the sudden drop I asked them to correct it They refused
Product: Mortgage

Loan is with Ocwen and seller is in pre-foreclosure, has NEVER asked for a postponement of the sale until recently once seller understood how a short sale would help them avoid foreclosure. Seller was told by Option One, back in XXXX that there was " Nothing they could do for them and to GET OUT '' of the house. They were told it would foreclose in XXXX XXXX. The house has sat vacant for years now, and seller never knew the bank did n't foreclose on them, until I reached out to let them know. After learning their story, i believe they deserve a break and would love to see them get a short sale approved. Today, Ocwen basically confirmed foreclosure is XXXX and that they did not have enough time to review the option and closed out the short sale review. We sent the proposal to Ocwen on XXXX/XXXX/XXXX, and are asking for postponement of the sale in order to get short sale reviewed. There is a cash offer on the table. Again, the seller has never asked for a postponement, this is the first time and Ocwen is saying no.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I purchased two cashiers checks in XXXX of 2014 in the amount of XXXX each from CHASE bank in Florida.. The checks state Void after 7 years directly on them. On XX/XX/XXXX I attempted to deposit these checks into my XXXX account and within a week I received a letter that Chase stale dated the checks, although it has not been 7 years. The legal copies of the checks were also sent in the letter. I went into the Chase branch and spoke with XXXX XXXX XXXX at the XXXX Branch who can be reached at XXXX who indicated he could not cash the checks for me because Chase released the funds to Ohio where I never resided. He could not tell me why Chase released my funds even though the checks state Void after 7 years and it has only been 6. He indicated that he would escalate the complaint to a different office in attempts to get permission to reissue the checks because Ohio does not have record of my funds. Once escalated to a Chase representative complaint specialist I heard from a XXXX XXXX who told me over the phone she would attempt to have the compliant resolved in one week in attempts to reissue the checks .In attempts to call back for information it was discovered that you can not reach this person directly. You have to leave a message on a main message line at XXXX extension XXXX and wait for them to call back which is difficult when working all day. Today, after giving this bank one month to fix this problem XXXX from the branch indicated that he received an email from XXXX that my checks could not be reissued the money has been released to Ohio. Ohio however ; has no record of my funds I have been going through this for over a month with numerous calls made to XXXX in the Florida XXXX in Florida and XXXX in the complaint escalation department. The checks clearly state Void after 7 years and Chase on their own website state that before they send money to unclaimed funds they will make attempts to reach you and send the money to Florida unclaimed funds, not Ohio. They state that it would be sent to the state the consumer resides. I feel the bank should reissue the checks as the money came out of my own account, the checks state void after 7 years and I have been a Chase customer for 20 years and still remain their customer. They could have contacted me as it states on their website and they did not. I feel they are not taking this problem seriously, they continue to bounce me back and fourth to different representatives and nothing has been resolved. During this process I also was in contact with XXXX XXXX who submitted a written compliant for me who can be reached at XXXX in which I never heard anything back but her and her boss indicated that they had never seen this before. I am not understanding why a check would state void after 7 years if it is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$910.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I sent a wire international transfer from  XXXX   XXXX   XXXX  to discover bank on  XXXX / XXXX /   2017  and got rejected by  XXXX    XXXX    (   XXXX   XXXX   ) be cause the name is Discover instead of a real person name.Now my fund has been returned back to my  XXXX    XXXX   XXXX   and been deducted {$15.00} fee by  XXXX   XXXX , I also lost  XXXX  which equals to {$46.00} USD of the wire transfer fee which charged by  XXXX   XXXX   XXXX .   I am so frustrated because I follow the exactly instruction that discover bank provide. There is nothing wrong from my side and my lost is cause by the wrong information discover provide.I use discover service because it do not charge any incoming wire transfer fee.But now I lost even more. Both time and money. At least,  Discover  should be responsible to provide the wrong info through its website.   Wire out {$43000.00} Money refund {$43000.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and National Credit Adjusters. 
I would like to clarify that I have already paid this account through a different collection agency prior to your acquisition of the debt. As such, in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. code 1692g. I am requesting that National Credit Adjusters ( NCA ) provide me with the following : 1. A copy of the written purchase agreement or assignment of the account that shows the transfer of ownership from the original creditor or the previous collection agency to NCA. 
2. Proof of the amount of debt NCA claims I owe, including an itemized accounting of all payments and charges made on the account. 
3. Any documentation that confirms NCAs legal right to collect on this account. Please be advised that I dispute the validity of this debt, as it was previously paid in full. I request that all collection activity cease until NCA can provide the necessary documentation showing that NCA legally owns this account and that there is an outstanding balance. Additionally, I request that NCA update any credit reporting agencies and remove this account from my credit report if they are unable to provide proof of ownership and debt validity. Failure to do so will result in additional complaint with CFPB, FTC. and a lawsuits. 
Thank you for your attention to this matter. I look forward to your prompt response. Please contact me via the CFPB portal for further communication. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I leased a new XXXX XXXX XXXX through my company for business purposes with the intention of buying the car for personal use at the end of the lease. At the end of the lease, I called for the buyout. I mailed the check on XX/XX/XXXX. The check was deposited by Chase on XX/XX/XXXX ( I have the cancelled check ). However, Chase did not process the purchase until XX/XX/XXXX. On four separate occasions, I requested the title. On one occasion, I was lied to that a duplicate title needed to be issued. I eventually received the title on XX/XX/XXXX with a Chase signed date of XX/XX/XXXX ( the title is not a duplicate ). It is totally unacceptable for Chase to cash my check on XX/XX/XXXX and not mail the title until XX/XX/XXXX ( 8 months ), especially after being contacted on four separate occasions. I have to wonder is this just poor service or some sort of fraud/float? Because of the delay, XXXX XXXX ( my county of residence ) billed Chase the full year business tax of {XXXX}, which was passed on to me by Chase for payment. When I went to XXXX XXXX to record the title, I was told that Chase needed to contact XXXX XXXX for an adjustment, and I would receive a personal property tax bill for the year after XX/XX/XXXX ( not XX/XX/XXXX, the day they cashed my check ). I contacted Chase they agreed. Then Chase reneged on this agreement and said I had to pay the full {XXXX}, and if XXXX XXXX sent them a refund, they would pass it on to me. I am at an impasse as this is totally unacceptable. Given the time and lies that I have gotten from Chase, I have no faith that if I pay the {XXXX} that I will get the refund due to me. Further, it is because Chase failed to send the title in a reasonable amount of time that I am in this predicament.
Product: Credit reporting or other personal consumer reports

I sent a request for " Please provide proof that this account belongs to me to properly verify debt, a breakdown or itemization of charges does not prove that this is my debt. '' on XX/XX/2024. I have not received proof that this debt belongs to me I have disputed it via XXXX this date and have only received generic messages that the information is verified without the proof I requested. 

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

I have like more than XXXX dollars currently invested in my coin base account. 
They have suspended my account without any prior intimation or reason, it has been more than 2 weeks. 
I am not able to check what and where my money is. They dont have any customer support. They do n't pick up the customer support number. Their customer support email is in active. 
The transactions are n't reverting back to my linked checkin account too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections XXXX XXXX XXXX {$3200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3200.00} High Balance {$2900.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX {$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$250.00} High Balance {$250.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX {$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$120.00} Remarks Paid collection XXXX XXXX   XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3200.00} High Balance {$2900.00} Remarks -- XXXX XXXX XXXX XXXX 
{$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$250.00} High Balance {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1000.00} High Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
{$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$120.00} Remarks -- all filed to ftc