23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells Fargo Bank has been charging our company, XXXX XXXX XXXX dollar overdraft fees. Our company operates on 30 day terms with our clients and many don't pay on time. Our XXXX   business struggles to keep sufficient funds in our accounts and the over draft fees are absurd. A {$35.00} fee is too much to bare. In 2009, commercial banks made XXXX XXXX dollars on overdraft fees alone. They continue to. Far from protecting their interests if account holders default, they are making a huge surplus off the errors of their clients. I suspect these subsequent years have shown an increase in annual overdraft fees collected.
Product: Money transfer, virtual currency, or money service

I want to share my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit exposing problems with the platform. Ive used Zelle many times, but when I reported issues, neither Zelle nor my bank properly investigated. They told me it was impossible to recover my money or track the transactions. According to the CFPB, Zelle has failed to protect users and has allowed scammers to keep taking advantage of the system.
Product: Bank account or service

This letter is a complaint about PayPal 's Seller Protection and Chargeback Fees. I am posting this so others can learn about PayPal 's wrongdoing. 

Regarding case ID : XXXX, PayPal states I did not follow " Seller Protection performance requirements. '' However, I strongly followed PayPal 's Seller Protection requirements, in addition to eBay 's Seller Protection. 

I had sent proof of tracking #, eBay message confirming receipt of payment to the buyer along with their game code, buyer leaving positive feedback, and proof from XXXX that the code was redeemed. It is evident that the buyer was a scammer. 

PayPal still initiated a chargeback of {$34.00} USD plus an additional {$20.00} USD chargeback fee. There was no Seller Protection offered to me, to protect me against a scammer. This was not the only chargeback against me, as many of my eBay products were targeted by scammers - many of whom are no longer registered on eBay. This is not right and is false advertising by both eBay and PayPal for stating sellers are " protected '' by their Seller Protection. 

In a separate matter, I paid {$2.00} ( ID : XXXX ) for an eBay USPS shipping, however, the buyer also turned out to be a scammer who is now unregistered on eBay. I never used or shipped out the package. PayPal has yet to refund me on this purchase.
Product: Credit card or prepaid card

2 years ago I decided to change the primary credit card in my household to the Citi double cash back card. I had previously been using a card that provided frequent flyer miles and had been using that card as the primary credit card in my household for over 10 years and I have never carried a balance. My previous credit card had a credit limit of $ XXXX and when I applied for the Citi card I told them over the phone that I needed at least a $ XXXX credit limit for the card to be useful to me. They approved my credit account via email with a $ XXXX credit limit. I called them to complain and they told me it would increase rapidly over time. In XX/XX/2019 the card limit was increase an additional $ XXXX for a new credit limit of $ XXXX. About 2 weeks ago I updated my income and mortgage information through the Citi app and requested a credit limit increase. The increase was denied. So I called them to ask for their credit limit qualifications which they would not provide. I have an annual income of $ XXXX and a current credit score of XXXX ( was XXXX until we went over the $ XXXX credit card limit ). I own my home and have $ XXXX equity, I don't carry any credit card balances and my debt ratio is less than 10 %. My mortgage payment is {$1700.00} per month. My complaint is that I know that there are lots of Citi double cash card owners that have credit limits well in excess of $ XXXX and I would say that most of those do not have the earnings, credit score and  minimal debt ratio that I do. So I feel that I am being discriminated against because I pay my balance off at the end of each month and in reality I am not the type of customer that they want. They don't get to charge me annual fees, late fees or interest and they have to pay me 2 % cash back on all purchases. I lose money on customers like me and I believe they are holding back the credit limit that I am qualified for because they don't want to lose even more money on my account than they do today.
Product: Vehicle loan or lease

Name of Bank : First Charter ( initially ) then Fifth Third Bank bought out XXXX XXXX XXXX XXXXt : XXXX XXXX XXXX and XXXX XXXX XXXX Account # XXXX Amount Financed : {$150000.00} APR : XXXX  % ( {$61000.00} ) No. of pmts : XXXX ( originally XXXX XXXX XXXX XXXX with Fifth Third ( I was given no explanation for this added pmts. ) Total of pmts : XXXX Date of Loan : XX/XX/XXXX thru XX/XX/XXXX This loan was supposed to be paid off in XX/XX/XXXX. I was originally suppose to make XXXX pmts @ {$1100.00} and to be notified about the amount of the last payment. This should have been in XX/XX/XXXX. I continued to make monthly payments because I was not paying attention and did not pull the original loan papers. Fifth Third sent me a letter on XX/XX/XXXX. They notified me that I would owe a balloon payment of {$41000.00} due to the increase in the prime rate. I was never told about a balloon payment and Fifth Third never notified me of such. As of XX/XX/XXXX I have made XXXX payments even thou I was only supposed to have to pay XXXX. I have met with the bank manager but was not satisfied with the outcome. According to Fifth Third I will have to pay the balloon payment in XX/XX/XXXX. The tax value of the motorhome is only {$7800.00}. I feel that XXXX XXXX nor Fifth Third have informed me of a balloon payment, I would have never agreed to such a thing. There is a waiver in the note giving the bank the option to do the right thing, but they haven't shown the ability to do the right thing.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address XXXX Non-Issuance by Collection Agency I am filing this complaint against XXXX, XXXX, and Experian for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/2024, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
XXXX. Failure to Address XXXX Non-Issuance by a Collection Agency : XXXX. Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a XXXX. This raises questions about the legitimacy of the debt and violates federal regulations. 
Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you can see by my attached credit reports and highlighted issues, this information is NOT CORRECT and NOT ACCURATE. Therefore, it must be DELETED IMMEDIATELY. 
How much did the collection company pay for this item? I do not know, and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! 
Under the Fair Credit Reporting Act ( FCRA ) and the IRS guidelines, creditors or collection agencies are required to issue a XXXX ( Cancellation of Debt ) when they cancel or forgive debt exceeding {$600.00}. Despite my repeated requests, has failed to provide a XXXX or valid evidence that this debt is collectible and reportable. 
Key Points of Dispute XXXX. Lack of Validation : I have requested proof that this debt is valid and collectable. To date, [ XXXX XXXX XXXX ] has not provided adequate validation of the debt as required by the FCRA. 
XXXX. Failure to Issue XXXX : If the debt has been forgiven or canceled in full or part, the creditor is legally obligated to issue a XXXX and report this to the XXXX. Their refusal or failure to do so raises serious questions about the legitimacy of the reporting. 
XXXX. Violation of XXXX XXXX Standards : Inaccurate reporting of debts that are forgiven, canceled, or unvalidated is a direct violation of the FCRA and IRS regulations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss, and i seek appropriate redress For these Violations.
Product: Credit card

On XX/XX/, I learned that the XXXX printer I purchased last year is charging me to print in my home because I was promised free printer cartridges for 6 months. But I am being sent instant print cartridges that I have to pay for. If I take credit card off account my account is disabled. Yet I buy paper to print in my home and now account is disabled again because XXXX charged {$71.00} and I requested it be credited back to my account because I requested the account be closed on XX/XX/. However, I am being charged for subscription I didn't ask for. I want All the money returned. Immediately because the charge caused my credit card to be over the limit.
Product: Student loan

RE : Volume of Student Loans Service Provider report to the Credit Bureau per Student by Navient. 

Dear Sir/Madam : My name is XXXX. When I left college in XXXX I had XXXX loans on my credit report totaling approximately {$27000.00}. When I finished graduate school in XXXX I found XXXX loans on my credit report totaling approximately {$50000.00}. 

Currently, the student credit report is littered with student loans. Service providers have no guideline on this issue as indicated by the ombudsman office. Neither the federal government nor the private sector has any limit as to how many loans they can report for each student The current practice puts undue burden on the student, especially if they have other financial obligations. It creates credit barrier for poorer students and is unfair and discriminatory to students with not so good credit history etc. 

I have contacted service, the consumer financial protection agency, the FTC, the department of education and the ombudsman office on this matter with no success. I was told only congress can mandate any change to the way student loans are reported to the credit bureau. I recently contacted every member of the education committee with no response as of yet. 

I am kindly asking for your help in asking for the education committee to make a recommendation to Congress for adoption by the US Department of Education. 

The request is as follows : Federal Loans : Mandate that Service providers are required to report student loans by Loan Program such as Subsidized or Unsubsidized ONLY to the credit reporting bureau. Therefore, ONLY XXXX loans will be reported to the credit bureau on behalf of each student at all times. 

Private Loans : Mandate that Service providers are required to report student loans by Interest Program such as Fixed or Variable ONLY to the credit reporting bureau. Therefore, ONLY XXXX loans will be reported to the credit bureau on behalf of each student at all times. 

This does not prevent service providers from managing their contracts. It also presents fair and balance reporting without undue burden for the student. 

Thank you kindly XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX  - XXXX - XX/XX/XXXX - {$2100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance received the opt-out notice and still shared my information with a third party. This is the fourth notice.
Product: Credit reporting or other personal consumer reports

There are different names on my account they provided information to a they shouldn't went on my credit without my permission have old over 7 years of credit that do not belong there bad credit
Product: Debt collection

this collection agency putting fraud information on my credit report I never got a call from this collection agency nor any kind of Communcation from this company the only reason i know they put this fraud information on my credit report is because I got a notification that it was, and item added to my credit report. I had and issue with this company before putting fraudulent information on my credit report and it seems since I disputed with the credit bureaus, they been playing around with it XXXX min XXXX nothing owed but didn't remove fraud information one day later they went back into my credit report and put and amount back on there as if i owe for that fraud account.
Product: Checking or savings account

On XX/XX/24 I deposited XXXX checks into my Chase Bank checking account, in the amount of {$XXXX} and {$XXXX}. The checks were drawn on XXXX XXXX Account. The checks were issued by a title company and represented proceeds from a sale of real property. 
Chase Bank withheld availability of most of these funds. Chase promised {$XXXX} would be available on XX/XX/24, but those funds still have not been released. Another {$XXXX} is being delayed until XX/XX/24. 
Why is Chase not obligated to give me access to these funds by the Federal Reserve Board 's midnight deadline under FRB Regulation CC and XXXX XXXX?
Product: Checking or savings account

On XX/XX/XXXX two withdrawals were made by someone in another state for {$1500.00} and {$1900.00}. On XX/XX/XXXX I called to file a fraud claim and was informed that someone had called US Bank, obtained the last four digits of my checking account number and balance, then later someone went and forged my signature ( badly ) and made the two withdrawals from my checking account. Apparently no one bothered to confirm that it was me properly. I started the fraud dispute over the phone, but had to go to a branch to finish. I had to take time off of work, close the checking account I've had for XXXX years, and fill out paperwork regarding the fraud. I opened a new checking account and was told that they needed 10 business days to process then would add the funds into my new account, with no offer of compensation for my troubles, and no immediate reimbursement of funds. I waited 15 business days, still no reimbursement. I called again on the eleventh day, and was told it was still processing, and to call back in 3 to 5 days. I asked if there was anything that could be done as it was clearly their fault, and that is a large amount of money to me as I am almost living paycheck to paycheck. This frustrated me enough, that I would like to seek further compensation for my time, fees from bounced transactions from having to close the old checking account, and the stress I am dealing with having to find other ways to pay.
Product: Checking or savings account

On XX/XX/2023, someone used my name and email address ( and probably other info ) to open an account with Chime, the banking company. I knew because I received a welcome email. I reported it to Chime but it took several calls before they even admitted someone had opened the account. The only action they would take was to remove my email from the account. They refused to cancel the person 's account or report them to the authorities. All they did was ask the identity thief to change the email address on the account. I know because I soon received an email notifying me that the email address on the account had been changedto an email address still almost identical to mine save a few characters. The guy opened a fraudulent account yet their only response was to ask him to change his email address.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to dispute negative and inaccurate items on my credit report, Experian has failed to conduct proper investigations or update the findings to reflect the evidence and details I provided. 

Each time I submitted a dispute, I supplied the necessary supporting documentation to demonstrate that the reported items were either inaccurate, unverifiable, or outdated. However, instead of a thorough review or meaningful response, the disputed items have remained unchanged on my credit report. As a result, these negative or incorrect items have continued to adversely affect my credit scores, causing unnecessary financial hardship and frustration. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to conduct a reasonable investigation of disputes and correct any inaccuracies in a timely manner. Unfortunately, my experience has been contrary to this requirement. It appears that my disputes were either summarily dismissed or investigated inadequately, which raises serious concerns about XXXX compliance with federal regulations.
Product: Mortgage

I started a modification in XXXX XXXX on my house, it took until XXXX XXXX to complete. the company SPS has shown me late on my payments for nearly 2 years, when I have not missed a payment since I took the loan over by myself. 

and the new company ( XXXX XXXX is n't much better!! )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. The applications were stopped however the activity generated fraudulent inquiries on his credit reports. The creditors have been notified several times of this however the inquiries remain on the credit report. This is a violation of the FCRA and our clients federal consumer rights. A current credit report shows XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are still listed as inquiries after several formal disputes were provided.
Product: Credit reporting

I also tried to dispute it with XXXX and Experian but they both put a wall up as well. I suspect they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all three credit bureaus past the XXXX years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.
Product: Debt collection

A derogatory mark/debt collection for {$110.00} from IQ Data International was reported on my credit reports in XX/XX/2022 but I have never been contacted by them ( or even by the original owner of the debt, XXXX XXXX XXXX ) by phone, email, in-person or otherwise regarding this collection. I have not received a single notice or communication about this debt collection or how I could pay it before it was reported to the credit rating agencies. Because it is significantly impacting my credit report, this practice does not seem fair as I would have paid it if I was given the opportunity.
Product: Money transfer, virtual currency, or money service

I recently noticed that numerous ACH transfers have been made from my XXXX  banking account to a Moneylion account in the form of XXXXXXXX XXXX XXXX  Membership, etc even though I have never opened an account with Moneylion nor have I done any business transaction with them. 

I reached out via phone but the Moneylion 's consumer support line does not provide / or makes it extremely difficult for non-customers to reach a support team to report a possible fraud and/or identity theft.

The amount of financial damage is significant and I want Moneylion to not only promptly resolve this issue by closing down this account and reversing the fraudulent transfers, I want an explanation of the company 's practice of opening new accounts without an explicit consent and solicitation from a consumer.
Product: Credit reporting or other personal consumer reports

Request for Blocking and Deletion of Fraudulent Accounts Under 15 U.S.C.

1681c-2 ( a ). Dear Equifax, I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized Equifax data breach. 

- Requested Removal of Inquires XX/XX/XXXXXXXX  XXXX XXXX  an XX/XX/XXXX. 

As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number : XXXX - Here is my issue, this is an except from an email I sent to someone at the bank : XXXX XXXX XXXX purchased my mortgage, like many other mortgages early this year ( XXXX ). I realized this a little late and called customer support to get caught up with my payment and get put on Auto Pay ( there is a call recording ). The guy who helped me get up to date stated that I was all good AND if I wanted to set up auto pay I could do it online and then briefly went over the rules about autopay. One of the things he apparently mentioned on the call was that I need to set up autopsy before halfway though the month to go through for the next month I thanked him for helping me with my cross over payments and jumped on the call. Several days later I went online and set up auto payment for the next month. In fact, when I set up auto payment I got a green indicator light telling me my auto payment was in fact set up for the next month. Fantastic I though, now I dont have to worry about manually going in and process the payment next month, everything was XXXX  So I thought Well about 17 days into the next month I get a notification from my credit reporting agency that my credit score has dropped XXXX points for not paying my mortgage. I thought, how could this be. I took the time to set autopay up online, I even called support to help. So I logged in and saw autopay was still on, green lit, but apparently my payment did not go through. I wondered why, since I have over XXXX in my bank account. I called support and immediately they told me I we passed the cut off date to set up online payment automatically. So I was wondering how the XXXX XXXXXXXX did the site give me a green light and let me set it up. Anyways, there is a call recording. Multiple calls and they refuse to remove this from my credit report. For something that is clearly an error on the part of the bank. My next step here is suing the bank. I hope the CFPB can help get this removed from my credit report.
Product: Credit reporting or other personal consumer reports

On my report theyre are recent inquiries as if i have applied for something and i have not.