23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, i was unfairly charged overdraft fees. This issue appears consistent with the recent finding by the CFPB which has pointed to numerous cases against Navy federal Credit union, Where transactions of all amounts were then found to be insufficient in accounts with supportive amounts for charges made. I believe these practices are deceptive and unfair.
Product: Credit card or prepaid card

Synchrony oversees the XXXX Mastercard, which gives high reward points for XXXX  spending for US merchants in US dolalrs and lower amounts for other spending. I use this card solely for XXXX spending. Per XXXX, I have purchased solely from US merchants and in US dollars in the last month ( statement for XX/XX/2020 ). Synchrony claims that some purchases are outside of the program rewards, but there is no evidence for this. The supposed dollar amounts spent outside of XXXX  do not align with any purchases made in the past month.
Product: Credit card

The first four payments I did them over the phone. They were four different numbers and I got suspicious because fraud happens.

I ask them for my account information so I could make the payments on the internet and they always refuse to give me the information.

Then I refuse to give my information to strange numbers and stop making payments.

This happened many times, and to this day they still refuse to give me my information. My balance in the account is now bigger than the original balance.

Is this on purpose?
Product: Credit reporting, credit repair services, or other personal consumer reports

They had 9 late months on 7 accounts that made 63 late payments on my credit reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. 

I tried to dispute with all three bureaus and tried sending in letters to XXXX but they all say it cant be changed but the information is incorrect
Product: Debt collection

I took out a small unsecured payday loan from ACE Cash Express in XXXX for {$300.00} ( maximum allowed under XXXX  ). I was unable to repay the debt in full and called prior to the due date to setup a payment arrangement guaranteed to me under Washington State law as ACE still had locations in Washington at that time. I was refused a payment arrangement by the store clerk who told me I would never be able to loan there again. 

Some months passed with no communication from ACE or anyone else until the end of XXXX from a company called XXXX. I asked XXXX for the paperwork to be sent to me to validate the debt, the information was never sent. Repeated calls were received after asking that they stop and only communicate to me via mail, which they refused to do. From XXXX of XXXX until the XXXX of this year I received multiple calls a day until I blocked all calls from XXXX who left me voicemails threatening legal action and that I could be found guilty of a legal case and left a case number. In one of those voicemails the message claimed that they could help me with my debt to the IRS, this was in fact XXXX as the case number was the EXACT same as left by XXXX previously. The voicemails can be recovered by my service provider upon legal request only at this point as voicemails did not transfer over to my new phone. 

Today I received a call from a private number stating that legal action would be taken against me and that I should be aware of this as documents were already sent to me I told the lady that I was completely unaware of this and she provided me a number to XXXX  XXXX and a case number and wished me good luck. The woman never identified who she was calling for nor did she establish any type of validity of any type other than asking my name. I was later informed that she may be working for a location service. 

I called XXXX who informed me that they were filing legal action against me for defrauding a loan agency with XXXX XXXX ( where I live not where the debt was incurred ) and for knowingly trying to deceive a lender on a secured loan. I informed her that a payday loan is an unsecured debt and she told me I was wrong and they were going to file a civil case against me. I informed her that the address they had was wrong and I was told it was my duty to tell ACE where I had moved. I replied that I had not moved in 4 years and that the address where I could be contacted was on the original loan application as well as the check used. She stated they were not obligated to send me any information regarding this debt as I was already contacted by ACE and XXXX verifying the validity, which I never was. 

I then called ACE who told me they no longer had the file and it was transferred to XXXX XXXX XXXX XXXX so I called them and they stated the file was with them through XXXX  but they had sold it to XXXX XXXX XXXX XXXX. The lady at XXXX XXXX XXXX stated that they would send me a copy of the application from XXXX which was a full 1-2 years after I applied for the loan, I never filed for a loan in XXXX through ACE. 

Multiple calls to XXXX XXXX XXXX go unanswered to a voicemail line.
Product: Credit reporting or other personal consumer reports

Despite numerous efforts, I have been unable to remove these inaccuracies, which are severely affecting my financial standing. I have made repeated attempts to contact your organization and dispute the presence of fraudulent items on my credit report. These items do not accurately reflect my financial history and have caused substantial harm to my credit score, making it difficult for me to obtain loans, secure favorable interest rates, and achieve my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items. Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation. Documentation highlighting my responsible financial behavior and positive credit history. Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. I formally request an immediate and thorough investigation into this matter. Kindly help me remove the following items immediately : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accurate background ironically provided grossly inaccurate information about my criminal record- falsely stating the final disposition was convicted when the case is in fact still pending. While I dont dispute that the case can not be reported as pending, I deserve that disinformation not be reported where I am adversely economically impacted and my livelihood and human survival is unfairly impacted due to disinformation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account number ending in # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of the unauthorized inquiries listed on my credit report, specifically those conducted by the companies mentioned in the following details : These lenders have accessed my credit file : XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 10. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date :XX/XX/2026 11. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX  12. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 13. XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX  14. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX 15. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XXXX XXXX  On those dates or similar dates, I did not authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Equifax or XXXX permission to furnish this information. I understand that this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, and my consumer and privacy rights are being violated. 

Unless you can produce any proof or evidence that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the abovementioned inquiries within 15 days of this letter. It is your duty to accurately report information, and as of now, you are violating my rights as a consumer. 

I look forward to Equifax and XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Debt collection

I have requested the assignment contract and the the contracts with my wet signature regarding alleged debt for verification. as of date after multiple request have not received. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Money transfer, virtual currency, or money service

Urgent Complaint Regarding Zelle Payment Network and Bank 's Failure to Safeguard Consumer Information To Whom It May Concern, I am writing to formally express my deep concerns regarding Zelle 's handling of consumer transactions, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit, which highlights significant issues with the platform. The CFPB 's findings indicate that Zelle has not only failed to protect consumers from fraud but has also allowed repeat offenders to exploit the system, leaving users like myself vulnerable. This lack of accountability and transparency raises serious concerns about the safety and protection of consumers.

As a loyal user of Zelle for over six years, I have relied on the platform to send and receive money through my bank account. However, my trust in Zelle and my bank has been undermined by ongoing security concerns. Over the past four years, I have received repeated notifications from monitoring services that my personal information was found on the dark web, with the most recent alert occurring in XX/XX/2024. While I can not definitively confirm whether this exposure was directly due to Zelle or my bank, I have noticed a significant increase in spam communications, including emails, texts, and phone calls, raising further concerns about the handling of my sensitive information. 

Additionally, during a recent detailed review of my three credit reports, I discovered multiple unauthorized credit inquiries from companies and services I have never applied to or inquired about. This alarming discovery prompted me to take immediate action by notifying the three major credit bureaus via certified mail. The presence of unauthorized credit inquiries further reinforces my belief that inadequate safeguards by Zelle and my bank may have exposed my personal information, leading to potential identity theft and financial harm.

Given the CFPB 's findings and my personal experiences, I am requesting an investigation into the following : 1. Whether my bank and Zelle have taken sufficient measures to protect my personal and financial information from fraud, unauthorized access, and identity theft.

2. Whether their failure to implement proper safeguards contributed to my information being found on the dark web and unauthorized credit inquiries appearing on my reports.

3. Whether I am entitled to reimbursement or other remedies in light of the potential financial and personal harm caused by these shortcomings.

4. Unfortunately my app won't allow me to take screenshots of my account with Zelle, however, my email and phone # are how I log into my account and this should be able to be confirmed by Zelle.

I trust that the CFPB will take my concerns seriously and thoroughly investigate this matter. I look forward to your guidance on the next steps toward resolution. 

Thank you for your attention to this important issue.
Product: Mortgage

Approximately 90 days ago, we applied for a simple refinance loan from Quicken Loans. With a credit score over XXXX we were told there should be no problems in processing this loan. We were told we were approved but since then, Quicken Loans has stalled and delayed for no known reasons. All documents have been given them. The original interest rate lock has expired due to their stall tactics and now they want to raise the interest rate and even if we were to agree they are unable to give a close date. They shuffle you from XXXX customer representative to another like some stereotypical car salesman. I paid them {$500.00} to cover the appraisal costs, but their stall tactics continue, in spite of their advertised promises. My desired solution is a refund of the {$500.00}. This company really should be investigated for possible violations. I will not do business with company.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX SWAN CT XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I own a business and had an account with Comerica Bank for about a year. in XX/XX/XXXX I recived a certified letter from " XXXX XXXX XXXX '' from Comerica that on XX/XX/XXXX that my account will be closed and if I dont go in the bank and close it, he will. He did not provide any information as to why, and when I called them they said its their decision and they have decided to terminate our relationship. I own an ATM company, and on a monthly basis we write about 250 checks to pay our vendors. They issued this letter to us right after we had mailed out our vendor checks. We did our best calling our vendors to tell them to cash their checks as soon as they can to avoid checks being returned. On XX/XX/XXXX, I went into my local branch " Comerica Bank XXXX XXXX XXXX XXXX, Ca XXXX and spoke with the manager XXXX XXXX and closed my account. I made sure the account was at a XXXX balance. Couple of months later I get a letter from XXXX about being reported to them for unpaid fees. I called XXXX  and I was told that Comerica reported my business to them for some fees that had posted to my account after when it was closed. The total of the fees was {$520.00}. I researched this and found out that Comerica had tacked on overdraft fees from the time after when I closed my account per their request. I called Comerica to dispute this but they did not want to cooperate with me. By being reported to XXXX I can not open any new accounts with any other banks. I have tried and they say my business names needs to be removed before a new account can be opened. On XX/XX/XXXX I then called XXXX and just paid the {$520.00}. Although I do not believe I should pay for it, I still did just to be done with this. So the issue now is that although I paid in full the fees XXXX is telling me they can not remove my business their systme, and the removal request has to come from Comerica. So I then called Comerica and told them I need to be removed from XXXX  as I paid them their {$520.00}. After being transferred to many different people and departments, I got a hold of someone in " Corporate Quality Process Department '' XXXX and I was told that yes our account shows paid in full, however they will not remove me from XXXX. I am writing because I need help from being a victim of bad practice by Comerica Bank. Not only I paid the {$520.00} for which I dont believe I should have, now my business is reported to XXXX which is a negative mark and not allowing us to work with any other banks. My company has been in business since XX/XX/XXXX and we have never had any issues. I need help in getting my business removed from XXXX, and also I would like a refund for my {$520.00}. My business name is " XXXX XXXX XXXX '' and my XXXX is " ATMs Unlimited '' Address is XXXX XXXX XXXX XXXX, Ca XXXX. I am the owner of the business and my name is XXXX XXXX and my phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 someone charged on my Home Depot credit card without using my credit card or my authorization. I made a complaint with them and filed a police report. After Home Depot made their investigation they sent me a letter stating that I was responsible for the charge of {$900.00}. 

Police Report with XXXX County Sheriff 's Office, XX/XX/2023, Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was contacted by phone by a male impersonating as a deputy sheriff. I was told that a warrant for my arrest was issued by a local federal court due to a failure to appear at a federal criminal trial. I was told that I could avoid arrest by transferring {$3000.00} to the court via XXXX. As directed, I transferred {$3000.00} via XXXX to the account and information provided by the scammer. 

On the same day, I contacted my bank, Truist, to try to get the transfer cancelled which was unsuccessful. I also filed a police report with the XXXX XXXX Florida XXXX. 

On XX/XX/2023 I submitted a fraud/scam claim with Truist. Truist denied by claim. I tried to find a way to file a claim with XXXX by was directed by the XXXX website to contact my personal bank. 

Truist already has the necessary documentation of the incident and claim.
Product: Student loan

Nelnet claims to offer updates via email every ten days. I have submitted my documentation almost a month ago. No update available online or from the servicer. To reach someone, call wait time exceeds one hour. I have no recourse.
Product: Debt collection

Not aware of this account. Contacted the credit bureaus and gave them copies of birth certificate, State drivers license and social security card. I explained that I am unaware of this account but they allow One Main to report every month on my credit report. Dates are inconsistent with all three credit bureaus name is incorrect XXXX XXXX XXXX was sent as proof on documents and I requested a copy of contract which never arrived.
Product: Mortgage

The enclosed documents are regarding Complaints XXXX and XXXX. It is the evidence to support the Enforcement Actions against Carrington Mortgage ( CM ). Moreover, it provides Carrington Mortgage state of mind prior to XX/XX/XXXX, XXXX day I was served a summons to foreclose on my home. On XX/XX/2023, CM submitted a letter I received after XX/XX/2023, to indicate my application was 'Incomplete ' and more documentation was needed. Is this Enforcement or Retaliation? Specifically, there are details how the HOA and their Law Firm benefitted from my hardship and CM deceptions.
Product: Checking or savings account

I have called and spoke to hundreds of chase employees including supervisors supervisors, no one can give me a solution as to how to verify the third parties identity because there phone number doesn't show up in their " system '' and they do not validate identities in person with a valid government issued id. They cashed the check and then closed my account and said they could hold the funds for 3 years, they will not release the funds to the issuer of the check so they can write her a new one, there was no fraud flagged on the issuer 's end, it has been 8 months or so and her phone number still doesn't show up in their system and they will not verify her identity and release the funds to me, this has cause so much frustration and inconvenience because of not having access to these funds XXXX XXXX XXXX wasn't able to attend her sons funeral, the check was issued from her father 's XXXX lawsuit. We need them to stop playing games we would like to sue for the pain and suffering this has caused