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

I am writing to formally express my concerns regarding XXXX XXXX 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 XXXX XXXX  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: Checking or savings account

I recently opened an account with M & T bank in hopes of switching over and finding a new bank to keep my savings with less fees involved. I made a deposit into my account and They held my check for 7 days which is completely normal. I had no worries since it was a cashiers check that I requested from my previous bank. Of course on the first of the month when my bills are due they block my debit card and my account. I have no access to my online account. I called customer service and the fraud department only to be transferred around numerous times over and over. M & T and their business practices are ridiculous. They ended up unblocking my account and I had access again. Everything was working perfectly normal but my online purchases kept getting declined for suspicious activity. Now a week later my account is frozen again my card Is blocked and I have 0 access to my online banking or my funds!!!!!
Product: Debt collection

Ocwen has stated we are responsible for paying for " XXXX XXXX Mortgage XXXX '' even when that information was never disclosed in the HAMP documentation we signed last year. Our estimated escrow amount was {$1400.00} at the time we signed our HAMP documents. When Ocwen re-analyzed our escrow monthly payment increased to {$1500.00} to make up for the mortgage shortage for property taxes and homeowner 's insurance XXXX XXXX XXXX XXXX. Per Ocwen 's website, we are responsible, as the borrower, for paying for " Lender Paid MI ''. 

Our original lender paid for the mortgage insurance to XXXX XXXX beginning in XXXX XXXX and we have never paid for mortgage insurance as the borrower. In the documentation we have received from XXXX XXXX and Ocwen of our escrow payment breakdown, it was never disclosed to us that we were responsible for paying for the " Lender Paid Mortgage Insurance ''. We were told escrow payment included property taxes and homeowner 's insurance. 

The MONTHLY payment amount of the mortgage insurance is {$480.00} per XXXX XXXX and loan amount of {$750000.00}. Servicer on the loan per XXXX, is XXXX XXXX Bank. Per Ocwen 's website, annual payment for Lender paid MI is {$620.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts doe not belong to me.
Product: Credit reporting

Bankruptcy filed in error and vacated credit bureau refuses to investigate and remove.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE AN ACCOUNT THAT IS SHOWING A LAET PAYMENT IN THE PAYMENT HISTORY. " XXXX '' IS SHOWING " XX/XX/year> AS 30 DAYS LATE ''. I WAS NEVER LATE. PLEASE UPDATE THIS DATE TO PAID ON-TIME OR CURENT, NEVER LATE.
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 {$29000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX2020 and the subsequent response received on XX/XX/XXXX2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

I have been contacting XXXX XXXX XXXX XXXX Credit Card since XXXX. 
They havew given me the run around and have refused to work with me on a solution. I have EXCELLENT credit and paid every month more than was due on my account. I had an emergency and tried to defer my interest and was hit with a XXXX penalty. I have called, emailed, and written numerous letters and the Company will not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report.

So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I made a withdrawal of {$31000.00} from my XXXX XXXX XXXX account to my bank account with XXXX XXXX  XXXX XXXX XXXX ). But my transfer was blocked by a JPMorgan Chase XXXX bank. since then, this bank has not officially notified me of the reasons for the blocking and has not given any official answer to where exactly my money is and what the blocking status is. this bank did not communicate with me directly. I can only communicate with him through Interactive Brokers. But Interactive Brokers didn't help me with my problem either. ( they, as the sending bank, do not want to bear any responsibility for this transfer, can not provide any official documents and provide conflicting advice that does not help. ) ***** I already left this message earlier. an employee called me, but later I could not contact him at the number he provided ( no beeps ). I ask you to give a response to this appeal in writing to my mail ( XXXX ) or contact me at the phone number that I will indicate in this appeal. ( XXXX XXXX XXXX XXXX ). Thank you. 
*****
Product: Credit reporting or other personal consumer reports

Barkley 's ran a credit check without my authorization. i called them and they said it wasnt in their system, but it did report on my credit report. i have never applied for credit from barkley 's
Product: Credit card or prepaid card

I have opened an Apple Card which is ran by Goldman Sachs. I attempted to make a purchase for my fiance 's engagement ring as we'll be going on a trip to Oregon soon, so I can propose. My card transaction was declined on XX/XX/2023. I only know that because the vendor contacted me telling me the card was declined. Goldman Sachs did not make any attempt to notify me of the declined transaction through any means. 

I texted the customer service line via XXXX on XX/XX/2023, they told me the account was under investigation and could not provide any details, only that indeed, the credit card transaction was declined. 

I then contacted customer service via phone on the same day, XX/XX/2023 and asked about the transaction. I was told the same thing, the account is under investigation and they can't give me details. 

I was not told why was my card declined, why was I never notified that the transaction was declined, why and what am I under " investigation '' for, and why am unable to use the credit card at all now, until this " investigation '' is " closed ''. 

They also told me the " investigation '' may take 10 days, but it may be less or it may be more, which provides absolutely 0 useful information. 

I basically received a hard credit inquiry to open up a credit card that I can not use, and I receive absolutely 0 communication from the bank that I opened it through. There seems to be exactly 0 accountability on the part of Goldman Sachs
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous time to dispute the late payment information on my account with both the lender ( XXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to the XXXX day late payment marks of XX/XX/XXXX - that XXXX XXXX XXXX supplied to the XXXX XXXX credit bureaus Experian, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to XXXX XXXX XXXX dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted XXXX XXXX XXXX via phone but to no avail. 

Finally on XX/XX/XXXX XXXX XXXX XXXX acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to XXXX XXXX XXXX requesting them to correct the erroneous reporting. ( See attached my letter to XXXX XXXX XXXX ) On XX/XX/XXXX XXXX XXXX XXXX sent me back a canned letter declining to make any changes. ( See attached the letter from XXXX XXXX XXXX ) On XX/XX/XXXX I disputed this late payment mark with Experian but they seemingly only forwarded my dispute to XXXX XXXX XXXX. 

On XX/XX/XXXX I got a response from Experian that XXXX XXXX XXXX once again refused to update my report. ( See attached dispute response from Experian ) Attachment Summary : XXXX ) Copy of my XXXX bureaus credit reports circled the erroneous reporting XXXX ) Copy of dated check sent for payment XXXX ) Copy of Postal Receipt XXXX ) Copy of my letter to XXXX XXXX XXXX  XXXX ) Copy of the response letter from XXXX XXXX XXXX XXXX ) Copy of response letter from Experian
Product: Credit card or prepaid card

XXXX I did some purchase fro Paypal Credit. for the amount of {$240.00} They are overcharge me {$400.00} per purchase. I did n't use my credit card for this date XXXX XXXX, 2016. Also I sent many time some documents as well as Bank Account, receipt and etc. I did many phone call even in XXXX and XXXX. I return a purchase fro amount {$130.00} from XXXX 2016 and They do not want to debit the amount of the purchase {$130.00}. they always charge me overtime, having paid almost all of the debt. I did some many phone call and nobody help me. Please help me as soon as possible with this matter. thank you
Product: Credit card

I am in receipt of an inadequate response from Citibank involving a previously file complaint ( number XXXX XXXX ). 
Citibank stated that they would reimburse me in rewards point for which I incurred a financial loss. This points reimbursements does not equate to my financial loss due to no fault of my own. I further requested an explanation on what steps I could have taken to avoid a financial loss by reimbursing Citibank Reward Points through their program? I further asked, why I was not contacted before I checked into the hotel that was reserved through their rewards program and by which, I received doubly confirmed confirmation numbers from Citibank travel and XXXX XXXX via Citibank Travel ( Citibank # XXXX and XXXX XXXX # XXXX )? 
In Citibank 's response, they failed to address my financial loss for which they have received a copy of the hotel bill that they requested when I reach out to them about this concern and requested an explanation of what had happened. Furthermore, Citibank did not provide any explanation on what occurred between their Citibank travel office, XXXX and XXXX XXXX for which I was not part of any of those internal communications or contact in real time for which I suffered a financial loss. I only received contact from Citibank notifying me of their cancelation ( after I incurred the hotel expenses ) via email that I received at XXXX while I slumbered at the hotel. I still have no explanation as to why my reservation was canceled and this was also an inquiry in my original complaint. 
My new inquiry is to request clarification/explanation of my prior concerns, reimbursal of my financial loss due to my participation in the Citibank rewards ' program, as well as an explanation on how I would ever feel comfortable engaging with Citibank travel through the rewards program in the future knowing that I could again experience a financial loss? Finally, explain why one of your initial contacts with me claimed that you could not find my account under my name or address and one that I have had for more than 20 years? How do your rewards points reimbursements equate too financial loss?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.

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

I opened a business checking account with US Bank. I placed 3 bank transfers with their bank login. One was completed and two were missing. US Bank insisted the missing transfers were not initiated from US Bank. I have proof from my bank login but since then they XXXX my login ( see attached screenshot ). I contacted XXXX XXXXXXXX XXXX and they verified the two missing transfers were initiated from US Bank ( see attached ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 {$860.00} i reach by phone and spoke with a rep, i ask where did they get this info from because i have no knowledge of it i ask from photo id i ask for signing proof i ask for time, and place, never provided any legal info no court papars told them this is fraud,
Product: Payday loan, title loan, personal loan, or advance loan

They approved without validation of income or proof of repayment. They never verified my income source. Im self-employed, and my business income was consistently going down. I had multiple overdraft fees in both my business and personal accounts. My credit card usage increased, and my credit score decreased drastically over the past year. I was desperate for income due to medical bills, and this is, by definition, predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on accounts where I was never late on. The 3 Consumer Reporting Agencies ( XXXX, Experian, XXXX ) have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

In accordance with the fair credit reporting act has violated my rights and with the FCRA, EVERYTHING must be 100 % accurate on my credit report. This inaccurate reporting has caused damage to my reputation, extended grief, great financial and emotional hardships to me and my family. 

My personal information is not accurate. The correct personal information should be listed as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA, XXXX, Employer is XXXX, XXXX. 


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 also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 

I have never been late on payments for the 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 In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 15 USC 1681 section 602 A. states that I have the right to privacy. 15 USC 1681 section 602 A section 2. Also, it states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 ( B ) : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please investigate and provide Proof with statements showing that these payments were late, as well as the accuracy of the charge off accounts. If proof can not be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Also, Update the accounts to Paid on time and never late. Or remove it from my consumer report. 


Additionally, it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C on the accounts. Listed below are the accounts in question : XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX. XXXX ( Original Creditor : 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 I demand that these inaccurate accounts be immediately deleted. 

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

THERE ARE 9 STUDENT ACCOUNTS THAT ARE IN FOREBARENCE AND SHOULD NOT BE SHOWING ON MY REPORT PURSUANT FCRA 623 IM DEMANDING THE REMOVAL OF THEM ALL.

THERE ARE 12 CLOSED ACCOUNTS WITH BALANCES THAT ARE SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE PURSUANT TO FCRA 623 I'M DEMANDING THE REMOVAL OF THEM ALL.
Product: Credit card

I applied for the American Express Platinum card on XXXX/XXXX/2016 via their website. I was approved immediately. The offer I applied for was to receive XXXX Membership Rewards points after spending {$3000.00} within 90 days. I successfully completed that spend in far less than 90 days, it was closer to 30 days. When my statement closed, I saw the points appear in my account online around XXXX/XXXX/2016. I was planning on saving them for a trip to XXXX later this year. However, on XXXX/XXXX/2016 I logged onto the American Express website to check my accounts, and I noticed that I had XXXX points removed from my account. This was a shock to me, as I had travel plans that I was going to use those points for. I immediately called Amex at XXXX central time from my cell phone, and asked to speak to somebody about the points. I was told that they had been removed since I did not complete the terms for the XXXX bonus. Since I saw the points in my account in XXXX, I assumed I had definitely completed the terms. I was told they would follow up with the Membership Rewards department but I did not get any response from them via call or writing. The only reason I applied for this card, and paid the annual fee, was because of this point bonus. I continued to use this card and did not close the account in any way. I have also never been eligible to receive a bonus from an American Express Platinum card in the past, nor have I received any bonus from an American Express Platinum card in the past.
Product: Debt collection

the compay name is monotronics alarm security, i was another company & it was with 2 other companies, this acct is still being sold & keep on being added to my acct. the acct. was recently & then with XXXX XXXX!! WICH WAS DISMISSED & NOW IT IS SOLD AGAIN because it stayed on my credit report for XXXX now they found another company MOUNTAIN RUN IN XXXX UT.I have been contacted by this company I DID NOT KNOW that could keep trying to sue me this many times from a company after selling this account so many times & was classified as a write off!!! each company is adding on thier charges!!! & trying to me i am a widow on a fix income from my husband, i also have XXXX grand kids i have no excess money!!! anymore information needed contact XXXX  CONSUMER XXXX CALL THEM FIRST & NO ACTIONS WAS TAKEN I DO NOT THINK THIS FAIR!!!! IAM NOT A RICH PERSON!!! 
MY ACCT. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX PH XXXX I NEED THIS TAKEN OFF OF MY CREDIT REP0RT MY HUSBAND HAS BEEN DECEASED FOR OVER 10 YRS I HAVE TO DO EVERY THING ALONG THANK - YOU XXXX XXXX XX/XX/2021