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

On XX/XX/XXXX, my checking account had a significant amount of money and bits of transactions were getting charged daily and I was not receiving any alerts through the app. These charges were from somebody on a fake cashapp account, XXXX XXXX Checking Account ( Withdrawing money from my checking account directly to theirs ) and also other charges. I reported this to Capital One as soon as I realized. The claim ID # was XXXX for the amount of {$5600.00} created on XX/XX/XXXX. 

They told me I would be credited within the 10th business day! But somehow someway they happened to finish their investigation in 3 business days stating that I authorized the charges! I was irate because I did not cause these transactions! I showed them proof that I even had to lock my social due to identity theft! I asked for information and proof of their reasoning behind their decision. For some odd reason, that took them 5 days to get it to me!

So, a {$5600.00} unauthorized claim takes three days to deny the claim but takes them 5 days to send me the reason why ( which all via email ; not mail ). I appealed it as soon as I received their reasoning behind the decision and showed them even more proof on why I wasnt the one behind the charges.

They tell me in 10 business days if they havent came to a decision ; I will receive provisional credit. After the 10th business day, they stated that Im not getting that credit due to the fact that its an appeal and that I have to wait up to 45-60 days. All of this is documented! On the 15th business day they reach out once again with the same decision and the same results on why they denied it!

I was devastated because I was robbed of a lot of money and my own Financial Institution did not show me any support whatsoever! That put in a financial burden and debt. A couple months later I received an email from one of the companies who were unauthorized charging me stating briefly that in the Month of May they experienced a huge breach through Cybersecurity!

This is a brief copy and paste of the email. Ill also upload the screenshot of the entire email. 

It appears the threat actors did access and download customer information from XXXX databases and a file share during periods in XXXX and XX/XX/XXXX. 

Within these downloaded files, Evolve identified the following personal data about you : Name, Contact Information, Evolve Account Number, Social Security Number and Date Of Birth. 

This is the proof that I needed to prove that I was not responsible for these transactions!
Product: Checking or savings account

I have a robinhood invest account not a spending account. They suspended that XXXX with no warning or explanation. My investment account was restricted. Can't transfer in or out any of legitimate funds. It's not that their unsettled or anything. It under a review for a reason they won't tell me. I've been transferring funds to akd from the account daily with no issues and them reaping the benefits of the fees they collect each time. Now I wake maoe a few trades and end up loosing and now my accounts restricted. At this point close the account as I requested and just transfer my funds out. I no longer have faith in a bank that won't explain reasons for closing an account. It's feels shady. Now they're saying it can take 4 days. When I have bills due or rent upcoming. I asked for a waiver for late fees since I never initiated this review and the agent just imkept ignoring my request until she hung up on me. Extremely irritated this cam happen with a Bank in a XXXX where they can just take yoye money hut allow yoy to trade under the same while under restriction. Feels like they just wan na close the account and keep thr funds which I feel is illegal. Those were verified funds from my paycheck.
Product: Mortgage

Shellpoint has been deceptive in their communication with me regarding my mortgage. I was told that I would be approved for a repayment plan and instead was moved to foreclosure status. I sent a confirmation email to XXXX of Shellpoint 's representative ( attached ) in which we scheduled to reconvene on XX/XX/XXXX to put into place the plan. Afterwards this was totally negated and the lender has been ignoring my email for a response. I also sent in a hardship request form to which I never received a response. 

I suspect I was intentionally delayed so that the lender could move me to foreclosure status and collect additional fees.
Product: Checking or savings account

In XXXX, I contacted Calling XXXX and wanted to receive daily calls because I live alone. The fee was {$170.00} and I gave my Citizens Bank debit card. A few days later a Company called XXXX XXXX XXXX called me that Citizens denied payment. I was not told XXXX took care of their accounts. Once they said Citizens didn't pay them, I gave XXXX another payment. What then is the issue? Either Citizens paid or didn't. If they didn't pay why hold my money? 
I called XXXX. they said once the payment was denied, they destroyed all the paperwork. They do not have anything to show. 
My problem with Citizens is that they should have a record of when and to whom they paid the money. They are asking me to show information which they should be doing. 
I sent two letters and sppoke over the phone two or three times. I have copies of the correspondence between the bank and me. The claim # : XXXX.
Product: Credit card

I am a customer in good standing with very good credit. Having received XXXX  XXXX  plans from Citi before at good rates ( XXXX & 6.99 % ), I applied for another XXXX XXXX  for {$3100.00} to cover dental expenses. This time, instead of giving the interest rate, Citi gave me a per month fee. Because they have given me good rates before and because I have good credit/good payment record, I assumed that they were charging me a favorable rate for borrowing money. Later, I did the math and if the fee charge was converted into an interest rate it would be about 20 %. I feel this fee presentation is a scheme to cover up a high interest rate. This is not transparent, honest, or ethical. It is predatory.
Product: Credit card or prepaid card

On XX/XX/2019, my car was broken into and my wallet stolen with all my credit cards, including my Capital One Credit Card. I immediately filed a police report and either reported all my cards stolen or locked them. In the case of the Capital One card, I locked it. 

With the card still locked, on XX/XX/2019, someone used it to get {$200.00} cash advance. On XX/XX/2019, someone used it to get another {$200.00} cash advance, then spent {$2500.00} and the XXXX XXXX in XXXX XXXX XXXX, XXXX, then {$4300.00} and {$5600.00} at the XXXX XXXX XXXX XXXX, all using the chip on the card. 

I called Capital One to report the fraud, and over the next several days, over {$100000.00} more was attempted to be spent on the card. After speaking with Capital One again, they assured me their fraud department would investigate and everything would be fine. However, several weeks later, the multiple cash back transactions and the three charges at the XXXX XXXX for {$12000.00} remained on my balance. I called again, and again they told me they would investigate. 

In XX/XX/2019, Capital One began attempting to pull money from my checking account directly to pay the balance. This is unacceptable as there should have been an open fraud investigation into the matter. During this investigation I have continued to hold this high balance on my card, earned interest on it, and have been taking a big hit to my credit score. 

After several more phone calls with Capital One, it seems they are intending to determine that I am responsible for the charges made on my stolen card because they can't prove the card was stolen, despite my providing them the police report from XX/XX/2019 stating my car window was smashed and my wallet was stolen. Further, they are refusing to provide me with any information/documentation as to how they came to this conclusion, nor have they mailed me any paperwork to document any of my claims or phone calls during this process. 

My card was stolen and used without my permission. Capital One has stonewalled me at every turn in resolving this issue. I can't be held liable for money I didn't spend. 

Documentation : police case # Statement showing fraudulent charges
Product: Credit reporting or other personal consumer reports

Last year I discovered a false account with XXXX XXXX XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX, XXXX and XXXX denied the claim XXXX This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit card

On XX/XX/year> I received a XXXX XXXX XXXX XXXX card from Bank of America that I did not apply for nor request in any way. I called Bank of America this same day and requested that BOA cancel this account and pull it from my credit report. The person I talked said she would cancel the card and issue a fraud alert on the account, but that I would need to contact the credit reporting companies myself. She also told me the card was issued on XX/XX/year>. I asked her for a confirmation number for this call and all she could give me was " XXXX in Arkansas ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, JPMCB CARD SERVICES ACCOUNT # XXXX has violated my rights. 

15 USC 1681 Subsection 602 : States that I have the right to privacy. 

15 USC 1681 Subsection 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to file a formal complaint regarding a Western Union money order I purchased on XXXX XXXX XXXX in the amount of {$500.00}. After misplacing the money order and later finding it, I discovered that I could not cash it because it had been altered. I then initiated the refund process, followed all required steps, and was informed that a refund would be issued after 30 days, provided the money order had not been negotiated. 

That 30-day window has long since passed, yet I still have not received my refund. Despite repeated follow-ups, Western Union has failed to reissue my money. I have been told multiple times that the refund is " in process '' and could take an additional 15 days or more. Meanwhile, they continue to hold {$500.00} of my money, and I was charged a {$15.00} fee for the refund process.

The delay and lack of transparency in handling this matter is extremely frustrating. I have been given no clear resolution, and the outsourced customer service provides no help beyond reiterating that the refund is still processing.

I believe this situation reflects poorly on Western Unions practices, and I am deeply concerned about how others, particularly seniors, low-income individuals, and those relying on timely payments to meet their obligations, are being treated. This experience has been a nightmare, and I will never use Western Union again.

I request that my refund be expedited immediately. For reference, the tracking number for my money order is XXXX, and the date of purchase was XXXX XXXX XXXX 

Sincerely, XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenge EQUIFAX to ask the debit for true accuracy, In which They state to be true accuracy. As Ive been in dispute with them for several months. I am submitting documents that they provide to me in XXXX the address that they state that is accurate is proof of validity to Equifax was inaccurate ; Under the FCRA is a federal law. And violated in reporting false accuracy and Equifax allowed this Company to damage my credit. As I stated in the dispute Ive also challenged other credit bureaus and have delete it from my credit for the lack of accurate information. They could not provide. I did that same to Equifax, and it refuse to investigate and still allow XXXX XXXX to violate the FCRA. If XXXX still believe this company is being accurate. Here is a letter they send out to me with a different address in attachment of an address that has never belong to me. As They forward it to my new address and stated retaliating me to pay off the debt. Equifax allowed them to get personal information and violate the consumer privacy act. I am asking again to Please delete this from my credit report as other have done and protect my information from being in the black web and allowing this company to report false accuracy to The credit bureaus. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act conversion has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 608 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer report agency can not furnish a account without my written instructions.
Product: Debt collection

On XX/XX/XXXX at XXXX AZ time, I was contacted by email stating ZenResolve was a third party debt collection agency and that I have an outstanding balance to XXXX in the amount of {$1000.00}. I have never heard of XXXX before, so I started the verification process. On XX/XX/XXXX XXXX AZ I sent off an email disputing this debt because I have never done business with a company called XXXX and the email was returned to me. Later that evening, I mailed off a letter to ZenResolve by the USPS disputing this debt and asking for verification under the Fair Debt Collection Practice Act. I did not mail this certified. I never received any verification of this debt. Then on XX/XX/XXXX at XXXX AZ, I was contacted by email again by the agency. I sent off a certified letter to ZenResolve explaining that I sent off a letter on XX/XX/XXXX requesting verification of this debt and it was never done. I haven't received anything. I do have the tracking of the certified letter from XX/XX/XXXX to show it was delivered to the front desk. In the letter, I asked them to cease collection efforts or I will report them, so here I am. Today, XXXX at XXXX I got another email from this company. ZenResolve is not providing verification of this debt. I have never done business with this company XXXX before. ZenResolve is now violating my rights under the Fair Debt Collection Practice Act.
Product: Credit reporting

There are several discrepancies on my credit report. I had initiated a fraud alert but the very items in question proceeded to collections. The judgments have been ruled in favor of the collection agency based on fraudulent address ( utility bills and cell phone bills ). 
Also due to unemployment, I lost my home due to foreclosure after that I received an amended tax bill stating the credit card balances has been recorded as income on cards that we settled through a debt settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in disputes and also a debt validation letter. Included will be the mail tracking number and documents that were received from them in correspondence to the debt validation. The information they sent does not suffice a validation of a consumer or credit debt that I owe. The company XXXX XXXX XXXX XXXX, account # : XXXX is reporting on multiple credit bureaus inaccurate information. 
Certified mail receipt tracking # XXXX Date : XX/XX/2022 No documents that were included were the required documentation to validate a debt. 
Included will be all documentation received from XXXX XXXX XXXX XXXX. I would like to also be compensated for the multiple violations committed by company XXXX XXXX XXXX XXXX and or Experian. 
{$1000.00} per violation under 15 USC 1681 ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Original Creditor :  XXXX XXXX XXXX XXXX XXXX Balance XXXX {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$2400.00} on the XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

THE ACCONTS IDENTIFIED AS FRAUD ARE NOT ACCOUNTS COMPLETED BY ME THEY ARE AS FOLLOWS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my regarding concerns on how Zelles handling of disputes, particularly in light of the recently CFPB law suit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information that remains on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correctionincluding letters sent on XX/XX/XXXX and XX/XX/XXXX, XXXXthe inaccuracies have not been resolved. 
This lack of correction violates provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). I request that you investigate this matter immediately and correct the inaccurate late payment notation. 
Details of the Account and Discrepancies : High Balance : {$36000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Closed Date : -- Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto Finance Account Status : Open Payment Status : Current Creditor Remarks : -- Payment Amount : {$590.00} Last Payment : XX/XX/XXXX Term Length : 75 Months Past Due Amount : {$0.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} Two-Year Payment History : XX/XX/XXXX : 30 Days Late Summary of FCRA and TILA Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information. Additionally, 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

PAANL Violations : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation of the correction from your agency.

If this issue is not resolved promptly, I will escalate my complaint further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel if necessary. Please treat this matter with urgency and provide a response within the legally mandated time frame.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed through Zelle when sending money to an unknown person. When I tried to contact zelle to stop it immediately after, they told me that nothing could be done and I lost {$860.00}