23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am reaching out to express my concerns about how Zelle manages disputes, especially given the recent CFPB lawsuit that highlights major issues with the platform. Despite using Zelle frequently and reporting discrepancies, both Zelle and my financial institution failed to properly investigate my claims. I was told that recovering lost funds was not possible and that tracking these transactions could not be done. According to the CFPBs findings, Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, putting users at risk of scams. This lack of accountability and transparency is deeply troubling and raises significant concerns about consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS AN UNKNOWN 30 DAY LATE REPORTING FALSELY ON MY CREDIT REPORT FOR XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

A rent-to-own company called XXXX XXXX is reporting that I have an unpaid {$3800.00} charged off account on my credit. The account number being reported to my credit is " XXXX ''. I have never had an account with this company and this debt does not belong to me. At first, I thought this was a reporting error by the credit bureau but after more than five months of disputes, Experian has not deleted it because they keep saying it is my account and I need to call XXXX XXXX to handle this. This is where my problem begins : I have called XXXX XXXX on the number provided to me by the credit bureau letters and they are telling me that the name the account is under is " XXXX XXXX ''. That is not my name. My name is " XXXX XXXX ''. I have tried getting them to send me some sort of supporting document or proof that the account is under this other person 's name but the regional manager will not give me any information because the account is under XXXX XXXX and I am not that person. This is ridiculous. What am I supposed to do to get this account off my credit? If XXXX XXXX does n't delete this from my credit report or mail me a supporting document I can send to Experian, I am going to file a police report for fraud. I have never had an account with this company.
Product: Student loan

I was told in may that I would be getting my new bill on XXXX XXXX and that two weeks after that I would be notified on my new repayment plan under repay. On XXXX XXXX, 2016 I still had not received my forced deference bill and called to find out what was going on. I was told by employee XXXX that I did have a bill but that It would not post to my account and as soon as I paid it I would then get my new repayment plan in about 14 days. I paid the {$5.00}. Then On XXXX XXXX I got a bill for the amount owed. I again paid the amount again which if I had been given the correct information I would have only paid once. Aside from the fact I was prohibited from making a payment on a payment plan now I can not trust the information that I am being given by Fedloan servicing. The customer service personnel need to be properly trained not to give information if they do n't know.
Product: Mortgage

Wells Fargo had a covid19 program which allowed the customer to put the mortgage payments on hold for 90 days. 

The 90 days are up next week and I am refinancing the mortgage with another company. The other company has a wire to send to Wells Fargo but Wells Fargo will not remove the forebearance or answer the phone to allow my new company to pay them off. 

I have tried online and get through 2 screens when it tells me that I have to call in order to proceed. I have now been waiting on hold since XXXX XXXX  MST and it is now XXXX XXXX  MST. - No one will pickup the phone. 

I am going to lose the lock on my new mortgage because Wells Fargo will not answer the phone or program their websites to facilitate payoffs of existing loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report. The credit report showed a credit inquiry by company ( s ) that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.

I have sent this letter l because I need your prompt response to this issues. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. 



Thank you,
Product: Checking or savings account

In XXXX, the XXXX XXXX XXXX banked with XXXX Bank. I received a letter from the bank that said, future payments should be made to Synchrony Bank. I immediately called the XXXX XXXX XXXX and asked, what I needed to do. I was told to call the bank, since the XXXX XXXX XXXX was not allowed to contact the bank, they were however able to Transfer calls. As time went on, I placed my orders with the XXXX XXXX XXXX as usual! When my New Card arrived from the Synchrony Bank I went into my Bank account and changed the account number. Of course, I had to activate the card which was done. When I would order something, they would say, " YOUR ORDRT IS COMPLETE AND CHARGED TO YOUR ACCOUNT ENDING IN XXXX ''! I knew this was the wrong account number, so I called both Home Shopping Network, which in turn transferred me to the Synchrony Bank once again to the Synchrony Bank. I spoke to a woman by the name of XXXX. She advised me that " I was fine there no need to be concerned! '' I even read the card # to her, once again she said " That is correct there is NOTHING for you to be concerned about '' Now. XXXX XXXX XXXX has wiped my account, and Synchrony Bank, says I owe them $ XXXX dollars! 
I did my due diligence with both the bank and the XXXX XXXX XXXX! There has to be some record of where my PAYMENTS have been sent. According to Synchrony Bank they have no record of ANY of my payments. I am sure my Bank " XXXX  XXXX XXXX '' put at least the last XXXX numbers of my credit card on the account! " XXXX ''. I have done everything I can to but the Synchrony Bank insist I still have to pay them the amount. This is NOT my fault, the fault lies with the banks and not paying attention to the information provided to them. My last Statement from XXXX showed that I had XXXX Flex payment left for an XXXX PRINTER that I had purchased in the amount of {$16.00} ; in addition, where has my other payments gone to? I am XXXX XXXX XXXX and do not have this kind of money just lying around. XXXX only knows what these people will do to my Credit History! I am hoping that you can INVESTIGATE this bank to see if they have done anything like this to anyone else. I have requested my bank statements to show all of the funds that I have sent to Synchrony Bank in XXXX, ( WHICH ARE COSTING ME {$5.00} per Statement ) they are only requesting $ $ $ from XXXX. But first I need to find out how much money I have sent to Synchrony Bank? 
After all I did do my due diligence, not only to XXXX, but to the Synchrony Bank as, well, and for a member of their STAFF to tell me NOT to worry about it. On a personal note, I have NEVER BEEN LATE WITH A PAYMENT, & USUALLY SEND THEM OUT DAYS IN ADVANCE SO THEY ARRIVE ON TIME, WHICH IS THE XXXX of the month, Since I do ONLINE BANKING If, you are unable to assist me, I am hoping you can help by forwarding the following to the proper authorities, these people need to be investigated! 
Thank you for your assistance. 
XXXX XXXX XXXX XXXX. As you can see by my Banks they have the RIGHT CARD #!
Product: Credit reporting, credit repair services, or other personal consumer reports

I already requested my XXXX  XXXX credit card be closed in good standing. They sent me an email which is confirmation about that request, but I did not see any update on my credit profile from all three bureaus. 
The account should be reported as closed in good standing ( never late ) : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX NV  XXXX
Product: Debt collection

I am attaching previously agreed and signed documentation from standing in front of the presiding judge on XX/XX/XXXX, XXXX For settlement due of {$1300.00}, of 45 monthly payments of XXXX 

Then the following documents from XX/XX/XXXX, is whenever our signed agreement was ripped right out from underneath me by a Motion and Order to Set Aside Judgment without any warning. It states that I was served via First Class Mail to address XXXX XXXX XXXX, XXXX TX XXXX - when in fact I NEVER received those documents/were served, nor was I living there - I had moved from that address to another a year + prior to us had even settling on XX/XX/XXXX, XXXX Such happenings, I was never properly served, and there is no proof/signature ( by me ) proving that I was served the documents before the Motion and Order to Set Aside Judgment was submitted on XX/XX/XXXX then was granted on XX/XX/XXXX. There was no trial called, the only trial I was informed of was for XX/XX/XXXX XXXX which I had attended, due to us agreeing and signing in front of the judge ). 

Now, TWO years later, it is now sent off to another debt collector, XXXX XXXX , XXXX is calling attempting to collect the debt, however, they are giving me time in order to submit my complaints and attempt to dispute the amounts CACH LLC is trying to recover from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to see if I was able to successfully freeze my credit score with XXXX and Equifax and have not been able to reach a representative on the phone with Equifax. At XXXX they are requiring that I physically mail in identify verification information even though I have provided them with my SSN, phone number, name, addresses, email, and XXXX account information. I think they are purposefully making it difficult to access my credit score freeze status so that I am forced to upgrade my account which has no information about credit freeze status.
Product: Debt collection

I filed for Bankruptcy XX/XX/XXXX because I still had NOT recovered from the devastation of Hurricane Katrina. I was homeless for more than a year after XX/XX/XXXX. I was having trouble finding steady employment. XXXX or XXXX never offered any Hurricane Disaster Relief, Forgiveness or any type of Financial, Mental and Physical Hardship forgiveness. I added the Student Loan in my Bankruptcy because I DO NOT RECALL being a student at XXXX XXXX in the Summer of XX/XX/XXXX. I attended and graduated from XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. My previous attendance and affiliation with XXXX XXXX is somehow being used here. If I were a STUDENT at that time, how was I able to CONTINUE an education, when my LIFE was turned upside DOWN and inside OUT? I WAS HOMELESS FOR MORE THAN A YEAR. I had only the clothes on my BACK and the shoes on my FEET. You people are making me RELIVE the most CHAOTIC events in MY LIFETIME. I am asking NOW, to have this Student Loan, listed as Closed/Paid due to Hurricane Katrina, the WORST Natural disaster to hit the United States XXXX There are people who have been granted tens of thousands of dollars in student loan relief/forgiveness, and those people NEVER suffered the devastation that I suffered in Hurricane Katrina. I am being harassed/hounded for a XXXX XXXX XXXX student loan that has a balance of {$4000.00}, and again, there are people whose student loans were forgiven in the XXXX XXXX XXXX XXXX dollars, WHO HAVE NOT SUFFERED the LOST, the TRAUMA, the DEVASTATION that I SUFFERED. If this Student loan does NOT meet the Criteria for Disaster Relief/Forgiveness, Financial, Mental and Physical Hardship, then I must be dealing with XXXX and/or Age Discrimination, and if this is the case, I will take action based on those facts.
Product: Debt collection

I have been trying to resolve this problem with this cvollection agency with no aval. The original creditor charged the wrong insurance company, I spoke to them and gave him again the correct health insurance to be paid. I sent to XXXX   copy of my card insurance to get paid but yet still reporting wrong information on my credit report. 

They just ignored my request ( XXXX ) and didn't even call their client to see if they got paid already. like I told you before My insurance will pay this bill, the hospital billed the wrong insurance company.
Product: Checking or savings account

On XX/XX/year> I called Capital One because I usually get my deposit on Wednesday instead of Fridays. I asked if they didnt get the deposit or if there is any isssues. The rep in the phone said maybe it was my payroll and didnt release the funds early and to wait. On Thursday XX/XX/year> I saw news about issues with Capital One. Around XXXX XX/XX/year> they sent an email about having issues saying We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning Friday morning XX/XX/year> still no deposit when 100 % it shouldve been released. I called at XXXX XX/XX/year> it kept hanging up. At XXXX I called again waiting for a rep for 1hr and 30 mins I had to hang up because I needed to go in for work. On my lunch I tried calling g acain XX/XX/year> XXXX it kept hanging up XXXX I waited but it just said theres a long wait hung up again. The app still says since XX/XX/year> Restoration is underway to fix the issue my bills are behind no one answers there is no timeline. Unacceptable
Product: Debt collection

The debt was supposed to be paid by health insurance and they later send it to a collection.
Product: Checking or savings account

I Disputed several unauthorized transactions on XX/XX/XXXX and XX/XX/XXXX with Wells Fargo for unauthorized transactions on my account. 

They credited me originally in the amount XXXX for XXXX and XXXX while they completed an investigation. And then ruled against me 2 days later on XX/XX/XXXX with XXXX explanation. 

I still have in excess of XXXX dollars in disputes still pending ( I could be wrong on the exact amount, they give me a different answer every time I speak to them and all the disputes arent listed properly on my account. ) I fear it will be the same process for the pending disputes and I will be ruled against again. 

In total over XXXX transactions were fraudulent on my account. They ruled against me for XXXX total so far when these were legitimate fraudulent transactions. 

Ive reached out multiple times for answers and details and was met with attitude, contempt and complete disregard for my situation as this has been very stressful for me financially. 

My last contact was on XX/XX/XXXX and Ive decided to file a report with CFPB as it seems they will not come to amicable resolution overall.
Product: Debt collection

I just saw a debt with Ability recovery on my credit from XXXX XXXX I contact them about this debt I advised them that my personal information was stolen and that I had no need for there services because I have my high school diploma. They told me to send over copy of my diploma in which I sent my transcript showing I passed they told me it will be look and update in 24hrs as of XX/XX/2020 now I called back they are telling me they cant help me.
Product: Credit card

Company I am disputing : XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Phone XXXX Credit Card Company : PNC Bank I am writing to dispute a charge of {$37.00} for an event in XXXXXXXX XXXX that I did not attend but purchased in error on my credit card account on XX/XX/year>. The charge is in error because it was a duplicate purchase. The website defaulted to the XXXXXXXX XXXX date when I went to checkout. I purchased tickets for the correct date XX/XX/year>, the event which I did attend in the amount of {$40.00} which posted on XX/XX/year>. I have not been successful in explaining this to my bank or the owner as I have attempted to correct the initial purchase ( XXXX ) that was in error since XXXXXXXX XXXX. I have been charged for services that I did not receive. The owner sent me a text after I contacted my bank and said she would refund the XXXX however, I have not heard from her since. 
I am requesting that the error be corrected, and the XXXX related to the disputed amount be credited to my account. Also, the owner should have disclosure on her website the ask visitors to verify their purchase dates etc. because there is not a way to receive a refund. 
I do have copies of the event invitation with the date and my back statement showing the 2 purchases. The company did not issue a hard copy ticket it was a XXXX XXXX only. I am asking PNC to please correct the error on my account promptly with a final credit of XXXX or the owner of the XXXX provide me a full refund in the amount of XXXX. 

Thank you.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. Please update my address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to XXXX XXXX XXXX My only social security number is My only correct date of birth is My only employer is N/A I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, Enclosed is my Drivers License and Proof of Resident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. Experian shows {$6500.00} and closed and   XXXX   shows {$6600.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. The account is with   XXXX   XXXX   XXXX   XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I obtained my first credit card from Bank of America. This was obviously an exciting time in my life where I could build credit, have a credit card to use for purchases etc. 

Throughout my time with the card ( 8 years ) I had one late payment in XXXX of XXXX. Fast forward to XX/XX/XXXX, the account has been closed by Bank of America effective XX/XX/XXXX. The card had a XXXX XXXX as it was paid off in XXXX of XXXX. 

The reasons stated for closure of the account by a Bank of America representative on XX/XX/XXXX were not disclosed to me as proclaimed. They said they sent a letter out by mail, in which was never received or forwarded to me due to a move from XXXX to XXXX in XXXX of XXXX. 

Bank of America is stating the delinquency on other accounts is the reason for the closure. These accounts are not affiliated with Bank of America. These accounts are not delinquent. In fact, my only late payment throughout my credit reporting history was to Bank of America as mentioned above. I have 100 % credit history, with very low balances and utilization as I have worked diligently to build up my credit. 

My credit score as of today XX/XX/XXXX has decreased significantly. The only resolution given by Bank of America was to re apply for the card. This is a huge inconvenience as I intend on purchasing my first home in which we all know is heavily weighed on credit. Why should I have to reapply for a card that was closed for no reason? 

I feel as though this is a violation of FCRA. The information that theyre saying they have does not align with what my credit report states. My credit is in far better standing than it has ever been since I have had this card with Bank of America. 

No credit lending institution should have the ability to pull a consumer credit report at their leisure without permission from the consumer. These guidelines need to be changed. I can only imagine how many  families have been hurt by this very same situation. Were in the middle of a Pandemic, families rely on these institutions in time of despair.
Product: Credit reporting or other personal consumer reports

Allied Collection has reported accounts on my credit report fraudulently. There are several collection items that are reporting. The account numbers and balances are attached on the FTC report. I am also providing a copy of my police report to support my claim. Please provide a copy of a resolution to the claim that you are stating the I owe. I have been a victim of identity theft. Attached is the supporting documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I work for ID Experts, an identity theft protection and repair service, and we are serving as Power of attorney for XXXX XXXX. 

I have sent disputes to HSBC on XX/XX/2019 and on XX/XX/2019 by mail to two different addresses. The disputes included all necessary documents. Power of attorney, FTC ID theft affidavit, copies of drivers license, social security card, proof of address, and police report. 

I have sent the same items to XXXX on XX/XX/2019 and XX/XX/2019, both times I was very specific in requesting the deletion of the HSBC account and inquiry as it is a result of identity theft. 

As of XX/XX/2019 the account remains on the XXXX credit report. 

This is a regularly occurring issue and both HSBC and XXXX are regular violators.

In addition to this, when trying to call HSBC, I waited on hold for their fraud department for 89.8 minutes. I finally gave up and called their main customer service number and waited for an additional 43.5 minutes. The fax machine that was listed on their website does not go to a fax machine at all, it was a recorded greeting for HSBC so it is apparently a voice line. This number has since been removed from their website.
Product: Money transfer, virtual currency, or money service

CFPB Orders Global Tel Link to Pay {$3.00} XXXX for Illegally Freezing and Draining Payments Accounts for People Who Are Incarcerated Had an account with them and 5 times had money go missing from the account totalling {$150.00}. Wrote to company and sent screenshots and banking info and never got a reply or refund. So I stop using them completely
Product: Credit card

In XXXX I was looking to do a balance transfer on a high interest credit card I had. I wanted to see what terms I would be given for the Chase Slate card so I went through the application process and wanted to compare the terms I was approved for to those of a loan from my bank. To my great surprise the account was opened without my authorization with terms that I did not find ideal. I called Chase and explained what happened. The representative said she would close the account. I specified that I did n't want the account closed since that would affect my credit. She acknowledged that and instead said she would cancel the card as if it was never opened. A month later, I checked my credit report and saw that my score dropped XXXX points because the account was, in fact, opened and then closed after XXXX day. I called Chase today, XX/XX/2017, to explain this situation. At this point I was simply trying to reopen the account so that it did n't show up on my report as an account that was open for 1 day, an attempt at undoing some of the damage that Chase did. After being escalated to managers twice and speaking with XXXX different people, I was told that Chase could n't reopen the account or do anything for me. I explained that Chase damaged me twice by first opening the account and then closing the account without my approval. The account XXXX again reiterated that there was nothing they could do because the account was marked as " voluntarily closed by customer. '' I told her that was incorrect and, technically, fraud since I never asked for the account to be closed. She then hung up on me.
Product: Credit card

pay pal put a block on my checking account due to a dispute filed over a year ago I was never notified of this block I would make payments all payments were reversed paypal would put the same account number in after speaking with them about situation. samething happened reversed I opened another checking accout solving my problem tried to make my payment they closed my account