23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whom It May Concern, I am writing to formally request an expedited review and resolution regarding disputed charges on my Capital One account, as outlined below. 

Background On XX/XX/XXXX, I received credits for two disputed charges of {$9600.00} and {$9900.00}, both related to fraudulent activity that I have been contesting for an extended period. However, on XX/XX/XXXX, these credits were revoked, with Capital One siding in favor of the fraudulent merchant. 

On XX/XX/XXXX, I was again credited for one of the disputes ( {$9600.00} ), resulting in a negative balance on my account, as my starting balance was {$0.00}. This credit remained in the account for over a month, during which I contacted Capital One for clarification. A customer representative confirmed the credit was in my favor and offered to issue a refund check, which I accepted. 

After receiving the check, I deposited it approximately one week later. All appeared settled, but I noticed the second charge of {$9900.00} was not credited back. Upon contacting Capital One for clarification, I was informed the matter would be escalated, though I received no follow-up. 

On XX/XX/XXXX, I received a letter stating the {$9600.00} credit had been issued in error. The following day, Capital One reversed this credit, resulting in a {$9600.00} charge that maxed out my credit line overnight with only one days notice. I am now expected to pay interest on this amount as though it were a legitimate purchase, which it is not. 

Request for Resolution I respectfully request the following actions : Reinstatement of the {$9600.00} charge to my account, as this was related to fraudulent activity and should not be my responsibility. 
Re-evaluation of the original disputed charges totaling {$9600.00} and {$9900.00}, as both were fraudulent and extensively documented. 
Immediate action to prevent any negative impact on my credit score due to this unresolved matter, including waiver of all associated interest charges. 
Supporting Documentation I have attached all relevant documents, including : Correspondence with Capital One representatives. 
Proof of my original disputes and subsequent credits/reversals. 
Supporting evidence of the fraudulent nature of the charges. 
Conclusion This situation has caused significant financial hardship, as I have spent years repaying fraudulent charges with interest, only to face further setbacks due to Capital Ones repeated errors. I request that this matter be resolved promptly and fairly to restore my financial standing.
Product: Vehicle loan or lease

I was granted a simple interest loan, with an 18.2 % interest rate which I understand to be the default rate for borrowers with poor credit. I understand that, but the issue I have is that, although I've made some but not all payments, my loan balance has not amortized. I've mentioned this to the company ( Santander ) on two separate occasions, but received no explanation why this is the case. So, the monthly payment is being applied as interest, none to principal. As a result, the loan 's interest rate is effectively 27.6 %. I have calculated a loan amortization schedule, incorporating the details from my loan, and the monthly payment amount " works '' ; so I'm not sure what the Bank is doing, but no change has been made or explanation given.

As of late, I have fallen three months behind in my payments, but just called today ( XX/XX/18 ) to inform the Bank that I was going to bring my loan up-to-date next week, when I receive additional income. Instead of noting such, I immediately got the third degree of can I pay today, why haven't I paid, etc. I got angry for being treated this way for the " nth '' time, and their response was : your car was assigned for repossession ; so we need to get you under a certain number of days past due, etc.

I understand that I'm delinquent, but there's only some much someone should take when a borrower is distressed but trying to be compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of inquiry issue. 

XXXX : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I AM NOT SURE WHAT THESE INQUIRIES ARE FOR, BUT I DID NOT GIVE THEM PERMISSION TO CHECK MY CREDIT OR GIVE ME AN INQUIRY. I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT. I CALLED XXXX  / EQUIFAX CUSTOMER SERVICE AND TOLD THEM ABOUT MY SITUATION BUT THEY DID NOT WANT TO HELP ME OUT AND DID NOT WANT TO TAKE CARE OF THE NEGATIVE INQUIRIES ON MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , inc ) due to adequate 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 do 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 actions.
Product: Checking or savings account

I deposited an endorsed check in the month of XX/XX/2022 that was specifically signed over to me by my associates reason being them not having an account or ids to be able to cash their check. So they signed the check over to me and we all agreed that I should pay them the money for the check while I waited for it to be available. So I agreed and the check was processed and deposited into my account but my bank for some reason has had my account on hold since then and Ive been unable to access my funds. Ive made countless phone calls and was asked to bring 2 forms of id to verify myself. I did that and was told will be able to access my funds in 48hrs, so 48hrs later Im still unable to access my funds so I called again and they requested I came into a branch. Now this branch that I went to located in XXXX XXXX XXXXXXXX Maryland. The employee that assisted me was extremely rude and distasteful for no apparent reason but had a completely different attitude with the Caucasian gentleman who was ahead of me. I was then required to bring in the individuals whos names happened to be on the check which happens to be quite impossible for me to do because I cant seem to get a hold of them. Besides this is just unnecessary because my account was funded the money with no issues and its been available for me to use but the hold on my account seems to impede my access. Its been over 7months now and everything month I get a bank statement from Truist bank & I see a monthly fee of {$20.00} being taken from my account but I cant access it. I feel as tho TRUIST BANK is taking advantage of its minority customers. Theres no reason why my account is being placed on hold for as long as its been over half a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. I have reached out to the FTC and to my local police department. These items listed are not mine and need to be deleted from my credit report. I am doing this on my own behalf. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, 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: Checking or savings account

Every month so far, for about six months, the Chime app will put out a date when my direct deposit will be deposited, and it never ends up that way. Because of Chimes mistake I ended up being late on my bills that the company has set up in their system, according to Chime s system. I end up being late on payments and have to reinstate my accounts, and also paying late fees. But Chime is not reimbursing me for their mistakes. I was told that, it's system generated and the person themselves can't do anything about it. This is very wrong and I can't tolerate it anymore, because I can not afford to be doing this every month or when a holiday hits, when the direct deposit dates don't line up with other agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  / XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date OpenedXXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX
Product: Credit card

1 ) On XXXX XXXX, 2014, PayPal Credit - dba BillMeLater ( PayPal ) failed to process a void/credit invoice from XXXX in the amount of XXXX and refuses to close the account to a XXXX balance in a timely manner, referring to an undetermined investigation process. 
2 ) I assert that PayPal has illegally opened a credit account in my name, applied charges to it for items that were not purchased, failed to mail statements, have mailed statements with unclear definition of items purchased, have applied interest and late fees to the account and sent collection notices, refused to process a fraud dispute, refused on-line access to their payment site. and made pervasive outbound calls to XXXX of my personal cell phones. For a debt I never held, and which, according to XXXX " no money was involved '' 3 ) This was a transaction for ticket number XXXX, that was cancelled at my request, I recognized this was a credit offer, and had other payment options. The XXXX agent stated that the void would be processed right away, and the account would be closed. Ten ( 10 ) months after the failure of PayPal to void the transaction, I was billed for XXXX. 
4 ) XXXX has repeatedly acknowledged the void in several conversations with me and shows the ticket as void on their web sites. And, they have claimed on XXXX occasions to be in direct contact with their on-site PayPal resource, who has repeatedly promised resolution. 
5 ) XXXX has stated that PayPal Credit did not process the void as other companies would, and in fact, could leave the balances open " indefinitely ''. 
6 ) PayPal Credit, rather than processing the void, opened a consumer credit account without my authorization, and applied the voided charges to the account, in effect, committing credit card fraud by making an illegal and unauthorized charge. 
7 ) PayPal has stated that they do not report to credit bureaus, and this issue would not impact my credit rating ( XXXX XXXX ) 8 ) I assert that PayPal has also engaged in retaliatory action by claiming that, in spite of their direct engagement with XXXX through on-site PayPal resources and the facts that the void was not processed, and the account opened and charged illegally, that this process must now be mediated through this portal, and go into an undetermined analysis phase. And that PayPal can not communicate or provide any resolution directly.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Debt collection

I spoke directly to XXXX over the phone a couple of times, once to say there was no way I could pay them because Im on a fixed income from the government ( SSI benefits ) and theyd alloyed my money and where most of it goes ( rent and groceries mainly ) I have specific amounts I have to pay out or I could lose my benefits! I explained this to them and asked them to STOP CALLING ME PERIOD, they assured me they would. But I keep getting letters with threatening language in them and harassing phone calls- Ive even had to go as far as changing my phone number! They are scary and disrespectful and disruptive not professional at all. I also never received written notification of the debt or how to dispute this debt, I didnt know that was something theyre supposed to do until I went to make this complaint!!! I have rights that protect me from this kind of abuse I think please help me! I cant eat or barely sleep with worry that theyre coming for me. I just want the harassment to end! Thank you so much for this opportunity to be heard. 
XXXX
Product: Mortgage

Mortgage company has not provided requested information to verify debt, only providing a phantom account number which has been a widespread predatory lending practice of mortgage company. My letter sent XX/XX/2018 requested verification of debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1629g. On XX/XX/2018 in a letter from XXXX XXXX on behalf of mortgage company, the original debt owed was crossed out the show a different amount. Many pages of the accompanying loan history is illegible ( unable to read ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i am trying to get the credit reporting companies to stop reporting false information on my reports.The three major reporting companies all show multiple errors on my reports.I have repeatedly asked to have the items verified that are incorrect and i am just been runaround for over a year now.I have sent certified notorized letters demanding proof of verification as they are under a legal obligation to do so.I have been lied to by all three companies.I have been told that im not giving them adequite time to XXXX have by law 30 days and i have been disputing the same errors for well over a XXXXXXXX received no responce from any one of the companies with the certified letters sent the first of XXXX XXXX alone violates the laws governing their right to report unverified iXXXX can you say its been verified when you all show accoubts that were never late yet you show derogatory payment XXXX  of these accounts are over XXXX years old and have had XXXX balances for XXXX or XXXX  years but yet you show it as derogatory with numerous missed payments and you show the last reported date as like XXXX XXXX is that possible on an account that has been paid off since XXXX all have notified me that you verified this information.But you have not or you would see you are in violation and reporting false information that is hurting my ability to XXXX look at the XXXX credit all three companies have been showing it as XXXX for XXXX years or so and i have repeatedly disputed this XXXX show it as a 60 month term.If you look at your own report you will see that i have had that account for 22 years, Also it is current and no past due balance is XXXX again false information that you repeatedly claimed to have XXXX a company called XXXX XXXX has repeatedly had hard pulls on my credit that i have not ever XXXX have never had any loans with them other then one of my credit cards is through their company and XXXX XXXX  uses them for offering loans that i never asked for.They show over XXXX hard pulls on my report with them alone.How can this happen if you are following the XXXX Texas staute of limitation on debt is XXXX years but you have multiple XXXX year items reported on my XXXX is it possible that you actually verified the information like you have repeatedly stated to XXXX  am ghoing to contact an attorney and sue for the numerous damages that are being caused by your false reporting of unverified XXXX will be my last attempt to handle this XXXX it is not done correctly with actual verified information and all others removed i will be forced to file a lawsuit and seek compensation for damages.
Product: Student loan

I finished my XXXX XXXX in XXXX of XXXX and went back for my XXXX XXXX in XXXX of XXXX. The deferment I had only lasted till the middle of XXXX of XXXX and a repayment was scheduled for a few days later. I was late on the XXXX and XXXX payments in XXXX and started getting calls in XXXX. I called back because I thought they didn't have me listed as enrolled ( they didn't ). I was told they would apply forbearance to my account and everything was taken care of all I needed to do is get my school to confirm my enrollment. Recently, I have been looking into a private student loan to cover XXXX  school and am working on my credit. I noticed my payment percentage is relatively low and found out the payments that had forbearance applied to them are shown as late and 100+ days past due. I talked to my loan servicer ( FedLoan ) and figured out the part about the forbearance as it had been long enough I had trouble remembering. I asked them why they were still listed as late and they told me since the forbearance was retroactive they are still late. From my understanding that doesn't matter since the payments are not being required and is true regardless of whether or not it is retroactive. I haven't seen any comments refering to the forbearance on my credit report either and asked if them not correcting the payments violated 632 ( a ) ( 2 ) of the FCRA  and they didn't say anything definitively just insinuated I wanted them to do me a favor. I have all the email correspondence if it is needed. I may be wrong about it, but from what I've seen it I don't think it works that way and it is really felt like they have tried to push me to not question any of it.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went to the online website to make my regular payment that is due on XX/XX/XXXX. Up until this point I have always used autopay. I canceled the autopay on XX/XX/XXXX so I could start making the payment early along with additional principle. When I logged into my account, there was a button to make payment which I clicked and make the regular payment. There was no option to make additional principle. It stated I would have to wait 2 days to make the additional amount. No biggie. When they applied my payment on XX/XX/XXXX, they applied the entire thing to principle and said I still have a payment due on XX/XX/XXXX. I called them on XXXX and was told they will look into the matter but in the mean time I need to make another payment. The payment is {$920.00}. I do not have an additional payment right before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account has violated my rights. 
15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A credit or may not treat a payment on a credit card account under an open and consumer credit plan as a late of any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to experian, Agent XXXX " XXXX '', argued with me about my report not being over 7 years, and when I asked her to speak with her supervisor, she stated her supervisor was going to ask WHY I wanted to speak W/her, as it's Cleary Knowles why, she  stated I was going to be told the same thing, finally she puts me on HOLD, speaks with her SUPERVISOR, and come back to tell me ... SHE SPOKE WITH HER AND SHE SAID THERE WAS NOTHING SHE COULD DO. I asked for the supervisor name and OF COURSE she not " ALLOWED '' to give me her name, to come back and tell me to giver her my number and her supervisor will contact me. 
I fill this was a negative, unappropriate, unbusiness way of doing this and it NEEDS TO STOP, the managers and supervisors are there to take the customers call if they can't settle a problem through the CSR. Very XXXX and want something done about the LIES
Product: Money transfer, virtual currency, or money service

I am writing to express my serious concerns and dissatisfaction with Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues within your platform. Despite using Zelle numerous times and reporting discrepancies, both Zelle and my financial institution failed to investigate my claims adequately. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasiblean unacceptable response for a platform of Zelles scale and responsibility.

The CFPBs findings further underscore what I have personally experienced : Zelle has not only failed to provide adequate consumer protections but has also allowed repeat offenders to exploit the system. This lack of transparency and accountability leaves users like me vulnerable to scams and erodes trust in the platform.

I am deeply disappointed by Zelles inability to address these systemic issues. I expect a prompt response outlining what actions are being taken to improve dispute resolution processes, enhance consumer protections, and ensure transparency. It is critical that Zelle demonstrates its commitment to safeguarding its users moving forward.
Product: Credit card or prepaid card

XX/XX/XXXX & XXXX XXXX, my credit card with Golden 1 CU was charged for various transactions while the card was in my possession. I was receiving text messages to confirm purchases and it immediately raised red flags knowing I did not make the purchases. I called the bank and had them close the card and dispute the charges. Upon them researching they came to the conclusion that the charges are indeed mine because the chip was used however I did not make these purchases. They added the charges back to my card, charged me interest, charged me late fees, and never informed me of this decision that they made. They never communicated with me until I reached out, my account was completely blocked and I didnt know until I attempted to log in online to make my payment. I submitted a request for this to be escalated to a higher up as these charges are not mine and I am not going to pay for fraudulent charges, interest on these charges and late fees. 
XX/XX/XXXX {$170.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$60.00}