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: Money transfer, virtual currency, or money service

I had a debt consolidation program but I was confused about the program because I read on this site that you had a number of problems over the years about these companies, but I had to get rid of the company because it was just a slow process and before they payoff the companies that were in the program they would take payments out of my checking account, I BELIEVE THEY TOOK OUT XXXX EVERY TWO WEEKS? AND I STILL GOT ABUSED BY THE CREDITORS I HAD BECAUSE IT WAS MONTHS AND THEY DIDNT EVEN CONTACT CERTAIN COMPANIES? AND THEY WOULD MAKE DEALS WITH SOME OF THE COMPANIES FOR A SETTEMENT? BUT THEY DID IT WITH 2 COMPANIES AND THEY DIDNT ASK ME TO BE INVOLVED? 1 TIME THEY WANTED ME TO BE INVOLVED BUT IT CONFUSED ME? BUT THEY DONT PAY THE SETTLEMENT I BELEIVE WITH THERE MONEY FIRST, THEY JUST GIVE THEM MONEY THAT COMES OUT OF MY CHECKING ACCOUNT? IS THIS LEGAL? AND MAKING DEALS AND THEM TELLING ME HOW IT WORKED OUT AND FOR HOW MUCH?
Product: Debt collection

I've been contacted at least seven times by call from " No Caller ID '' who calls and immediately hangs up. They then leave a message that seems recorded, saying they are from FCR services calling to collect my debt and that I need to pay my outstanding balance. They do not say my name or the amount I supposedly owe. They then proceed to give the phone number : ( XXXX ) XXXX and the website paymybalance.com. Yet when they leave a voicemail, I can see the number they are calling from. They have used the numbers : ( XXXX ) XXXX ( called on XX/XX/23 ), ( XXXX ) XXXX ( called on XX/XX/23 and XX/XX/23 ), ( XXXX ) XXXX ( called on XX/XX/23 ) and ( XXXX ) XXXX ( called on XX/XX/23 and XX/XX/23 ). Another time they called, I was able to answer before they immediately hung up so they couldn't leave a message. Today I started receiving text messages from XXXX. In the text message, they include a website to find more information at XXXX. Not only are they calling about a debt I do not have. They are also impersonating a real debt collection company. The website and phone number for FCR Services are different than what they leave in the voicemail. Even the website to pay the balance to the real FCR Services is different. The fake website to find more information is obviously fraudulent and clearly a scam website.
Product: Mortgage

To Whom It May Concern : Since XXXX XXXX XXXX XXXX XXXX XXXX ) a government organization has been contributing {$79.00} every XXXX weeks, which is XXXX a month to my Home Equity Line of Credit Account. 

Those payments from XXXX have not been accredited to my account for payment. I told them their payments sent to M & T bank are not being accredited to my account, so where are the funds/payments? 

In addition, M & T bank has also been receiving monthly payments from me, and month after month my Home Equity line of credit account balance remains the same, even though, technically they been receiving XXXX payments every month for a year to the account ending in XXXX. Ive been making payments on my Home Equity Line of Credit account for almost XXXX years, and my balance owed remains the same. I dont believe any of my payments in last XXXX years have ever been accredited to my account. 

These payments were made my Home Equity Line of Credit account to M & T bank ending in XXXX : XXXX XXXX XXXX XXXX  Cashed in the of amount - {$1900.00} XXXX  Online Payment XXXX To M & T Home Equity - {$170.00} XXXX Online Payment XXXX To M & T XXXX XXXX - {$170.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$210.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$210.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$200.00} I also have proof of other unscrupulous practices, such as, demanding that I pay them extra payments on my account that was up to date in payments which as unwarranted ; demanding payments and wanting me to notarize a supposedly official documents sent by someone with no last name ( i.e., XXXX XXXX XXXX ; this went on for months. 

I would appreciate your help with this matter. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 's executive specialist team, As you investigate my complaint as well as Florida 's attorney general request for a written response regarding this subject matter, please take into consideration the following facts : The Equity loan that your company is compelled to hold me responsible for originated as an instrument of the now outlawed Pick-A-Payment loan, which was then a requirement in securing the primary loan note ( one could not exist without the other ). <P/>After a six year lawsuit that I initiated back in XX/XX/XXXX, due to XXXX XXXX reneging on their originating loan options and the predatory nature of the loan, I finally settled with XXXX XXXX at the direction of my attorney with the stipulation that XXXX XXXX would finally work to approve me for a loan modification unlike the the offer seven years ago that just offered the amount owed to be placed on the back of the loan in exchange for waiving my rights to bring suit against XXXX, of course I declined. <P/>My Attorney suggested I settle based on two key factors : > As flawed as the terms were I was previously approved for a modification back around XX/XX/XXXX, at the same time XXXX was found guilty of not modifying qualifying members like myself, a fact that was to be considered. <P/>> the equity loan that originated along with the primary note held the home as collateral and therefore as long as the equity loan was open and in place ; a foreclosure & sale was not imminent. <P/>What was not known at the time of the settlement by me or my attorney was that XXXX transferred my home equity loan back in XX/XX/XXXX without my knowledge or my attorney 's knowledge releasing the home as collateral and allowing XXXX to decline the Modification and foreclose on my home without obstruction, which they did. <P/>Although I asked XXXX representatives multiple times to update my mailing address while I was working out of town they kept sending mail to where I was not so I never received any notification of any changes to my loan account and neither did my attorney who was to receive all notification related to my open suit, especially given the fact that the settlement agreement in which I signed included reference to the equity loan.
Product: Bank account or service

I am on a fixed income along with my wife. We live paycheck to paycheck and often order necessities online. After it was determined that we would not be able to make all our payments for the month, we decided to put our student loans into forbearance. But for whatever reason, the loan payments were posted to our account on Tuesday, putting our checking account into overdraft. There were multiple other payments that were posted ( that I could not cancel, because they were pending ) on Wed and Thurs. By Thurs morning, the damage had been done. A total of ( XXXX ) {$36.00} overdraft fees were charged to my account. I 've worked with my bank to dispute the loan payments that were made in error. With PNC 's track record, I am confident that a few of these transactions were processed in such an order to maximize fees, such as was done to me previously this year. Because of the {$250.00} in fees I now do not have the funds for my car payment, and will be in the negative again next month ( perpetual cycle of abuse ) because I am on a fixed income. It 's a snowball effect, and we are being overwhelmed. This is abuse!!! We have our first child on the way and are trying to move into a cheaper apartment, and PNC is interfering with our attempts at a reasonable life! How long will the abuses continue? I demand reversal of ALL fees charged to my account IMMEDIATELY. These fees are obliterating any financial gains we have made. If no action is taken, I will take this up with an attorney and will alert everyone I know how PNC drains its customers and treats them as profit centers.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months, I ; ve disputed XXXX reporting of a 120 late payment to XXXX XXXX XXXX XXXX. Unfortunately, they continue to report this. They are reporting a commercial property on my personal credit. This property is an active hotel and the master deed states that it's for transian use only, so you cant live there. I was in a rental pool and was an income generating property. And, XXXX XXXX clearly states that properties with Hotel signs do not qualify for conventional mortgages. XXXX had no business lending in this arena and that's why they no longer do. This is not a home, nor could it ever be one. This was ownership of an income generating hotel room. All you have to do is XXXX the address of the loan and you'll bring up the hotel.
Product: Debt collection

I need your assistance in helping me to get several accounts reporting on my credit file from Central Financial Control removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified the Credit Agencies of this along with Central Financial Control. However, Central Financial Control have reported to the Credit Agencies that these accounts has been verified. How could they verify an account with the Credit Agencies and they can not verify this account with me. I have asked for proof of this account and I still have not received anything from Central Financial Control.
Product: Debt collection

Received a harassing call from XXXX XXXX where the rep named XXXX placed his so called supervisor on the phone once I requested to negotiate payoff amount. They offered payment plans which I politely declined and offered my reasons and was willing to negotiate a payoff amount. XXXX named XXXX had such a disgusting attitude and began to try and belittle me about the debt, talking out the side of his neck, real unprofessional, very unpleasant. I remained calm and stood my ground, he then gave phone back to rep and I could hear XXXX talking in the background making harassing comments to others in the background. XXXX is a real XXXX of a person at XXXX XXXX!
Product: Debt collection

On XXXX XXXX XXXX I received a letter dated on XXXX XXXX XXXX Voss and Klein LLC for a debt that I do not know anything about. Their client is XXXX XXXX XXXX XXXX which they were the property managers of the old address that I used to reside. I had to answer to court and I paid all that was owed to the clerk of courts. I left that property in great condition and I moved elsewhere. There I received this harassing letter months later that I was supposed to pay off within XXXX XXXX XXXX. There is no way possible I owe that much money because I am an honest person.
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 an 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXUS DEPT OF EDXXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXUS DEPT OF EDXXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/2022 at XXXX XXXX central standard time and discovered that EQUIFAX at XXXX XXXX XXXX in XXXX, GA XXXX placed a fraud alert on my credit report without my consent.
Product: Credit reporting or other personal consumer reports

This public record is still showing on my credit report after I have asked repeatedly for Transunion to investigate on their own that this is not supposed to be on my credit report. There is no evidence that this is my public record as I never filed for bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$15000.00}, {$9800.00}, {$4000.00}, {$0.00}, {$0.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

4. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX/XXXX  VISA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

delete XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

Hello Ive been dealing with this for over a year some how 2 collections from fraudulent credit cards that were opened with my social but not my name. I gave them 3-4 police reports over the course of 2 years and I lost out of my home loan because of this inaccuracy and the experian saying it will be taken care of in 30 calendar days its been almost XXXX calendar days and Im still being transferred from department to department. Im fighting to find housing for me and my family as we speak because we couldnt obtain the house do to experian not updating my correct information please help us
Product: Credit reporting or other personal consumer reports

XXXX XXXX identity theft like before with parents as prime suspects in my mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, I sent an investigation request to Experian, asking them to investigate errors on my report. They were supposed to respond within 30 days. Well over two months have passed, and I have yet to receive a response. They have also ignored my follow-up letters.
Product: Mortgage

XXXX XXXX  ( XXXX XXXX XXXX had a line item that said " XXXX XXXX paid to XXXX XXXX '' in the amt of {$7100.00}. 
This amt is money I paid in " soft costs '' before I ever applied for a loan. 
I have had NUMEROUS emails with US Bank and absolutely no resolution. They admitted to making an error, but want to deduct this amount from my budget of {$330000.00} or they said I could bring in a check for that amount. 
I let them know this {$7100.00} is not a part of the budget and to take it from the budget is shorting me. 
I was never given any breakdown of the " soft costs '' amount that they arrived at. I actually have another {$8000.00} + in soft costs they completely ignored. 
Now each time my XXXX submits a draw, they hold it up over the resolution of this matter.
Product: Mortgage

I applied for a temporary forebearance while on maternity leave under the Family Medical Leave Act. My XXXX leave is unpaid leave during this time. My forebearance was denied due to " lack of income ''. I am not unemployed! I just had a XXXX!!! To date, I am behind on my mortgage payments and sought relief from Wells Fargo. Instead of providing assistance, they are harassing me constantly. I receive incessant phone calls 12-16 hours a day. These phone calls are non-stop, aggressive debt collection calls. The harassment has escalated to Wells Fargo hiring an outside company to leave notes on my front door. The note says to call your mortgage processor. Wells Fargo threatens foreclosure when I am 1-2 payments behind. It was my understanding that foreclosure takes place once the account is 120 days past due. I am tired of the non-stop harassment and bullying from Wells Fargo. 

I also noticed that my account is being charged a non-sufficient fund fee of {$15.00} and a shortage fee of {$9.00}. I do n't know how this is being factored into the amount due to bring the account current. The account has been paid with cash. I do n't know how often my account is being charged these fees.
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA has an amount of {$440.00} ( which they state is " accurate '' on my consumer report but sent a 1099 for XXXX $ which I have no idea what it is for. I have sent a notarized letter, yet no response has been attempted. BANK OF AMERICA has not asked for my permission to place anything on my consumer report and I am aware I am not only to give permission but receive notice of them asking for permission as well as given the option to opt out. 

As a charge off, it becomes income ( certificate of indebtness ) in which a XXXX to file on taxes and is not suppose to be on my consumer report as income.
Product: Debt collection

Americollect has been contacted by me and by the XXXX regarding debts owed to them. They continue to answer in a manner that just gives a run around. No real solution. I had set up an automatic payment to pay on a debt they say I did n't pay. They stopped taking out of my checking after the payment was made on XXXX. The debt listed of {$60.00} should have been paid off. They claim I still owe it, they say that the last payment made was XXXX, but I proved to them that they took out another payment on XXXX, but they claim they applied to another account. They are not applying it correctly and refuse. I have also been disputing a debt from XXXX of {$640.00}. They are saying it was delinquent of XXXX, this does n't even give enough time for insurance to be billed and paid and then sent to me for payment. We filed for bankruptcy on XXXX and I have been questioning this debt. I know XXXX was the original debtor and they were included in my bankruptcy, which also means I did n't receive any bills either from them. I am only asking my bill show it was paid and the XXXX for {$640.00} should be removed, either way my 7 years will be up, or they are asking for a debt that was including in my bankruptcy which is against the law. They refuse to update my credit report with the correct information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( 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. 

Account name XXXX 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 reporting or other personal consumer reports

Someone at a bank ( XXXX ) opened an account fraudulently under my name. So they used my name and social security number. The bank and the Equifax XXXXredit reporting agency refuse to remove the fraudulent information in the report, claiming the the identification information matches my name... yeah, because that's how identity theft works. I have included ANOTHER FTC Identity Theft report, showing that this is a case of fraud, and have gone through all the proper channels of reporting it to local and federal authorities. Now, it is EQUIFAX that is violating the fair credit reporting act by not removing the fraudulent information in a timely manner.
Product: Credit card or prepaid card

Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate.