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, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a complaint against TransUnion and XXXX however I received a response that was appalling and definitely did not demonstrate protection of my consumer rights. The response I received regarding complaint ID XXXX ( TransUnion ) and complaint ID XXXX ( XXXX ) was " company responded there is a unauthorized third party on XX/XX/2021 ( XXXX ) and XX/XX/2021 ( TransUnion ) ''. This response appears to be nothing more than a stall tactic used to deceptively violate my consumer rights because the CFPB has obviously given these two bureaus a right to treat me as if I am ignorant and unaware of my rights by even allowing such a response to be generate and sent be to me. There is no way an unauthorized person would create an account to help me with inaccuracies on my credit report. The response is unacceptable and a direct violation of my consumer rights. I demand that all the referenced accounts and inquires be deleted from my credit report immediately. XXXX XXXX, which is one of the inaccuracies reflecting on my consumer report has already been addressed by XXXX XXXX in a previous complaint, stating that this account will be removed from my credit report however it still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had bought a XXXX XXXX XXXX on XX/XX/XXXX {$24000.00}. 
Balance owed time of repo {$10000.00}. XX/XX/XXXX They sold the vehicle on XX/XX/XXXX {$12000.00}. 
A collection agency contacted me and said I owed them money. {$10000.00}. And shared with me that it was sold. I explained to them I dont owe Capital One Auto Any money if anything they owe me {$1800.00}. Plus my antenna and the mats. 
I had offered to pay them and they refused my offer. It was less than the original agreement but I still offered. I do need help with this matter. Even if it is taken off my credit report. 
It has been charged off so they actually have got paid twice for this vehicle.
Product: Vehicle loan or lease

I was involved in a car loan scam. I was promised a credit boost. I got approved for cars and promised they were going to get paid off but eventually I realized I was in XXXX big scam. Cars were put down in my name for some one elses selfish gain
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and information reported in my EXPERIAN file is from that identity theft. These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

After not using this Amazon /Synchrony credit card for years ( 3-4 years ), I all of a sudden got charged {$13.00} for the XXXX billing statement. I called them and told them that I have not used this card and this is obviously a fraudulent transaction. The representative said this was a fraudulent transaction and somebody was able to access my account, and that she will credit the XXXX but I told her that I wanted to close the account. She referred me to the Supervisor and I thought that this was taken care of. I was surprised that I got another billing statement with {$29.00} balance including late payment. Obviously they did not resolve the issue. They closed the account for purchase but did not completely close it. Now I m afraid that somebody can hack or access my account and this credit card company does not seem to care
Product: Credit reporting or other personal consumer reports

Ive tried reaching out to Experian several times regarding an inaccurate reporting of a bankruptcy they have responded with the same templated letter. I have requested the method of validation as no other credit bureau has any information related to a bankruptcy and have not received anything from them.
Product: Money transfer, virtual currency, or money service

I use an application on my cell phone called " Cash '' this app is from the Square company, I made a money transfer to a friend of mine for XXXX dollars, she had not received the payment, then checking my Cash app account I observed XXXX additional transactions made transferring money for XXXX dollars, I have not authorized at any time, this situation worries me and I send an email to the customer service and they ask me for all my personal information and the description of fraudulent transactions to investigate, these events occurred on On XX/XX/2019 at XXXX p.m., I still await answer from the Cash app company belonging to Square for this unpleasant situation that I have left without my monthly income to pay my bills and feed my XXXX children, I hope your cooperation, Thank you.
Product: Credit card

Over the summer American Express offered XXXX sky miles points for those who spend over 2000 during the first three months. Previously, over 3 years ago I closed an account with this card and was wondering if I applied would I be eligible for the rewards. So, before applying I went and spoke to an American Express agent at the airport ( XXXX ). They told me that because of the time between accounts ( plus AE had different offerings at that time ) I would qualify for the bonus points if I spend the required amount. From that conversation, I went home applied, got approved, and spent the required amount. Now American Express is not awarding me the points because I 'm not eligible for them .... I feel completely taken advantage of and feel like that agent told me this just so that American Express can have one more card holder .... I 've reached out to them and they 've opened and closed a case investigating this issue without giving me the points I 've earned. Right now, I completely understand the qualification of this card, however, I should not be the person punished for the mistake their employee made by telling me I would qualify
Product: Bank account or service

I deposited a check for {$550.00} on XXXX/XXXX/2016 into my checking account. On XXXX/XXXX/2016 the check cleared the Insurance Company 's bank and was paid. On XXXX/XXXX/2016 funds were still being held. I called & was told the hold was XXXX/XXXX/2016 because " there was a problem with the check ''. They could n't tell me what the problem was. I had a copy of the check, no problems. I was told to call the Insurance Company, that my bank had not called & I was sent a letter to call the Insurance company and to allow 10 days for the letter to be received. No joke! They actually said that! 
I called the insurance company, they confirmed check was paid out on XXXX/XXXX/2016. I called wells fargo again after receiving confirmation the check was cleared, cashed and funds sent, to be told that wells fargo was waiting for confirmation from the Insurance Company 's bank that they would " confirm that they were not going to pull the funds back ''. Are you serious?? This policy of a 10 day hold on money that they have already received and are holding is just stupid! One phone call to them for verification of this supposed pull back release would have made wells fargo " a personal bank ''. Tell me why. I do n't believe the XXXX people I spoke with at the bank. After getting to the XXXX superviser I was told the check did n't clear, the paper check, but that they had the funds on hold. I do n't know ANY bank that would send funds without clearing a check. I do n't believe banks send money out of the goodness of their hearts! They want guarantee 10 days later that the funds are good? That does n't make sense! The bank said I could file a claim, that would take 5 days. LOL Wells Fargo is holding funds 10 days on paper checks. There is nothing that can be done! They have the money, can use the money for 10 days before they release to account holders. I was told Direct Deposits are never held. Is that because they are a Federal Transfer? If Wells Fargo needs a " pull back release '' on all paper checks, why is n't this information given to account holders to deposit along with the checks?? Like an indemnity policy, that the check is good. lol Or a Federal Stamp of some kind from the issue bank? Is n't that FDIC guarantee for a check? 

I believe Wells Fargo should be investigated for unfair business policy in regards to 3rd party paper checks. That this " Pull Back Release '' needs to be investigated. I do n't believe it 's real. Wells Fargo should be slapped with a Federal fine for withholding accountholders funds without reason on funds received and already in their possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; US DEPT ED XXXX Balance : {$4200.00} ; US DEPT ED XXXX Balance : {$17000.00} ; US DEPT ED XXXX XXXX : {$9400.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

My loan was paid off in XX/XX/2023. I have late payments on my credit report stating that I did not make payments for XXXX or XXXX when the loan was already paid off. Which is impacting my credit score with XXXX, XXXX and XXXX.
Product: Debt collection

American Express keeps trying to contact me all hours of the day mostly very early XXXX. It upsets me because they use numbers to where I have close family or friends or where my kids are in college and it scares me and I answer and there is always a delayed response which scares me to find out it is them. Why don't they have to call on XXXX # and it identifies the company name? Should be mandatory!
Product: Debt collection

I WAS XXXX! CONTINUE TO BE XXXX! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act XXXX XXXX XXXX ILLEGAL TO COMMUNICATE, XXXX XXXX XXXX XXXX PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! XXXX XXXX XXXX XXXX VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the XXXX I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with TRUE ACCORD, you do not have granted that permission. As per XXXX, you violated me, your corporation is criminally liable pursuant XXXX XXXX XXXX because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per XXXX XXXX XXXX XXXX for XXXX parties to come together and conspire against MY rights as consumer. READ XXXX XXXX XXXX & XXXX ( XXXX ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
Product: Checking or savings account

I had a balance of XXXX in my checking account it was frozen since XXXX they told me I had a fake/ fraudulent check deposit in XXXX XXXX of this year and sent back XX/XX/XXXX that is not correct my account has Ben frozen since XXXX so I could not even deposit a check or access my account they told me they sent the funds back witch was never a fraudulent check now they are saying my balance is XXXX and each customer service rep tells me a different story I was told I would be receiving a check for my checking account balance like I received for my savings but never received it
Product: Debt collection

I have made a previous complaint under XXXX to XXXX XXXX XXXX regarding a credit card that was paid off to them in XXXX. They informed me they sold the debt to JTM Capital Management LLC and the account was serviced by XXXX. This account should show as paid in full. The last balance was {$180.00} XXXXXXXX XXXX XXXXXXXX and this was paid.
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 trafficking. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX today at XXXX XXXX. Spoke to XXXX ; I asked if the they could remove an error from my credit report. I told her that under the FCRA section 604 ( a ) ( 3 ), this reporting does not fall under these terms use in this case : accessing my credit report was not for employment purposes, underwriting for insurance, eligibility for a license, investor, a credit transaction and so forth. 

I spoke to Experian and spoke to several representatives starting at XXXX XXXX today. The last person I spoke with was XXXX who advised me to contact XXXX XXXX. This error is preventing me from obtaining credit and to build towards getting a loan for a home.
Product: Debt collection

Procollect on credit report in error. No proof of debt has been provided. Please remove from my credit bureaus?
Product: Credit reporting or other personal consumer reports

Mercedes benz financial reported a XXXX delinquent payment on XX/XX/XXXX for XXXX. 
Att he same time the report shows all payments made on time. 
Because of this, my credit has drastically dropped and is preventing my from closing on my first home purchase. 

This is time sensitive or I lose out on the home purchase and all funds invested into his purchase. 

I need this corrected asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance : {$3900.00} XXXX XXXX XXXX : {$2300.00} U S DEPT OF EDXXXX XXXX XXXX {$3600.00} U S DEPT OF EDXXXX XXXX : {$5700.00} U S DEPT OF EDXXXX XXXX XXXX {$5300.00}
Product: Credit card

Capital One/Kohls PAYMENT XXXX Collection/Chargeoff AMOUNT PAST DUE {$1200.00} DATE OPENED XX/XX/year> BALANCE {$1200.00} ACCOUNT TYPE Charge account CREDIT LIMIT {$300.00} HIGHEST BALANCE Never applied for card. Disputed with bank and demand delete account on file
Product: Debt collection

Columbia Debt Recovery LLC is trying to collect a debt that is not owned by me.The old apartment sent me a wrong bill of {$300.00} dog XXXX  cleaning fee ( which is for a different apartment building ) a couple of months after I moved out. Columbia Debt Recovery LLC tried to collect this debt ( {$300.00} ). I have sent several emails to explain that it is for a wrong apartment ( XXXX ) and my apartment number was XXXX. However, Columbia Debt Recovery LLC told me that they will only remove the record if I pay {$180.00}. Otherwise, they will continue to report it to credit agency even through they know the bill was not for me. In 2021, they sent the report to the credit agency every month even after I sent them the proof of the wrong bill. They told me that I have to pay to clean my record because they need to make a living,
Product: Checking or savings account

Circa 2008 I closed my USBank checking account after repeatedly having issues with transaction stacking and direct deposit delays. I filled out a customer request to close account, left enough money on hold in account for a small transaction that had not processed yet and was told the copier at the bank was not working so I couldnt get copy of the document. I thought that was the end of it. 
Several years later, after the bank was federally sued over stacking, I received contact from a company claiming USBank had filed suit against me over a account closing fee, claiming I abandoned the account so the bank charged some fee in my name. 
I believe it was Alliance Processing who had sent me a letter with a phone number to reply, I explained the situation and was told the bank needed to provide me with info, and when I tried getting it, the bank claimed they had no records of me ever being a customer, so there was no documentation to find I contacted Alliance with this fact and demanded copies of what USBank provided them, which they did not do. 
I was told the case was closed and my explanation was sufficient. 
Today, over 10 years later, I received calls from Alliance again making the same claim from USBank and alleged breach of contract and something else I missed hearing. Now they were demanding over {$2000.00}, and threatening me with court action on what was originally a situation where I owed nothing. 
The phone number they called from is XXXX and I spoke with XXXX who put me on hold until the line disconnected and XXXX who told me a case number of XXXX. 
Im XXXX and going thru the loss of my husband and forced property sale for his estate. I dont need these people harassing me in retaliation for closing my account over a decade ago.
Product: Student loan

I went to XXXX XXXX and was told i needed to get a Peaks loan to cover my Temporary Credit balance, or else i would need to pay the full amount of the temporary credit and the follow years tuition or else I would n't be able to finish my degree program.
Product: Checking or savings account

As of today XX/XX/, my checking account has a negative XXXX .Chase has taken 8 overdrafts fees from my account. Half of which is due to all the overdrafts fees. I recently had a death in my family therefor I haven't been working my full time job nor working during the holidays. I called Chase and provided them with this information, the representative was kind enough to take away 3 of the 8 overdraft fees that I have .And also suggested that I try calling back again to take another 3 off. I did and the next representative stated that nothing could be done. I am trying my best to keep account up to date but with all the over drafts fees its becoming harder and harder to maintain my checking 's account open.
Product: Credit card or prepaid card

I applied for Gold Delta SkyMiles from Amex credit card in XX/XX/XXXX through a promotion link when booking flight tickets through third-party flight booking websites. When you clicked the link to apply, the flight ticket price shown went down.

After having the card, I spoke with the customer services several times about my welcome offer, including miles earned by {$1000.00} purchase and {$200.00} credit earned by purchasing from XXXX  web directly within the three months. The customer services listed out in details that how I will get my welcome offer.

When making my international traveling plan, I intentionally book a flight from XXXX   even though there're quite a few faster and cheaper choices. But I want to collect my welcome offer anyway.

However, a few weeks after I purchased my ticket, I still didn't see the {$200.00} credit statement from AMEX account. So I spoke to customer services. After almost an hour repeating the same words to two different people, I got the answer that the cheaper flight from third-party website is already using the {$200.00} credit statement. It is very ridiculous because I already purchased a non-refundable flight ticket for that.

This is very misleading and potentially shows that AMEX is not in good faith! Firstly, they didn't mention anything that I already collected the welcome offer during the multiple times I spoke with customer services, and argued that they didn't see my statement posted at that time. Secondly, in the benefits listed on the web, the purchase must be from XXXX or XXXX XXXX etc. How can I tell the purchase from third-party web even with no XXXX name on the statement count? 'm very disappointed and their communication is very misleading to persuade you to purchase more from their partners.

When I try to file a complaint, the customer services just gave me a mail address for general inquiry and refused to file a complaint for me or providing any email address.