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

XXXX writing this complaint because of issues related to its transaction process that have led to unintended financial transfers. 

Specifically, I have experienced multiple instances where I accidentally sent funds to the wrong recipient due to the lack of a confirmation message or prompt confirming the recipient 's identity before completing a transaction. Unlike other payment services that double-check the recipient details before finalizing a transfer, Zelle currently XXXX no such safeguard or warning. This omission has caused me significant inconvenience, as funds have been sent to unintended recipients due to small mistakes in selecting contact information. 

The absence of this critical confirmation step left users like myself vulnerable to costly errors, particularly when sending money to contacts with similar names or incorrect contact details. In my case, the lack of a clear confirmation message resulted in sending funds to the wrong person, and I was unable to reverse the transaction in a timely manner, causing financial loss and frustration. 

I believe it was crucial for Zelle to implement a clear and mandatory confirmation process before transferring funds to ensure users have the opportunity to review the recipient details. This would prevent future mistakes and protect consumers from potential financial harm. 

I respectfully request that the Consumer Financial Protection Bureau investigate this issue and advocate for XXXX to Zelle 's transaction verification process.
Product: Checking or savings account

I made a mobile deposit to USAA. We do not have any local atm 's or banks in our area for USAA. The check is drawn on my father 's account with USAA. The deposit funds have been placed on hold for 10 banking days. I was told that this is due to risk and is at the banks discretion. The funds coming from father 's account will be unavailable to him within in a day or two.

I feel as though not only will the funds clear the fed prior to the end of the hold but they will have secured the funds from my father 's account within a day or two. There is no risk and the hold time is unreasonably long.
Product: Debt collection

Back in late XXXX, early XXXX I had some financial issues. I believe i have paid everything I owed back then. I have mailed several dispute letters to the bureaus and also directly to Online Collections for 100 % verification. Online never responded to me with any type of validation.
Product: Debt collection

I received a letter regarding a debt claimed to be owed by me from Capital Management Services a debt collection company used by XXXX XXXX. 

Upon asking for verification not only did they not send me my information, but the company also violated the Fair Debt Collection Practice Act by providing me someone else 's full information including sensitive data such as social security numbers, driver 's license numbers and more. 

I did reach out and formally complain with the company, I was told they will launch an internal investigation, and they advised me to destroy the documents I received, and they would let me know If my information was sent out to someone else.
Product: Credit card or prepaid card

First, let me mention I'm a former XXXX XXXX XXXX and XXXX XXXX. I am a professional in stating the facts- and knowing when an outrage has been committed that demands justice - such as in the case I'm about to relate. 
Bank of America 's outrageously out-of-control, criminal, merchant-biased VISA Claims Resoution department is trying to extort {$5200.00} from me for a product I ordered XXXX  months ago but still do not have. I put the charge in dispute and they refuse to dismiss it saying the merchant claims it's non-refundable ( which is illegal ) and that " you need to work this out with the merchant '' ( which is impossible, which is why I filed the VISA dispute with Bank of America to begin with ). 
Bank of America ( BOA ) is also siding with the merchant, XXXX XXXX of XXXX, in refusing to refund the {$5000.00} I put down as a deposit through the BOA 's VISA card, on XX/XX/XXXX, even though that company failed to deliver an acceptable product - having sent me ( many months beyond the required deadline date of XX/XX/XXXX ) a LEMON, a guitar that was flawed and UNPLAYABLE ( and I've been a professional XXXX and XXXX XXXX for decades and am an expert on guitars ). I sent that guitar back on XX/XX/XXXX. 
The guitar they sent on XX/XX/XXXX arrived UNPLAYABLE and FLAWED IN MULTIPLE WAYS ( including sounding a horrific squarewave and having defective, squeaking tuners that failed to keep the guitar in tune ; its action was also super high and the neck was as big as a baseball bat - such that even with my long fingers and large hands I could not play chords on this guitar I need to play ). 
I sent it back to them days later and they still have it. 
Though they've offered to " adjust '' the guitar it can not be adjusted to make it acceptable ; they'd have to rip off the horrible neck and attempt to put on an acceptable neck - no good! 
They offered to make me a new guitar but I can not wait another XXXX MONTHS for the instrument I NEEDED ON XX/XX/XXXX - nor is it reasonable to ask me to do so. Nor can I count on them to produce a perfect guitar, after this experience. 
I have nothing to show for my money and XXXX has nothing to offer me as a replacement, and we're now practically a year after I put my money down and I have no instrument to play nor anything to show for my money. 
There are federal and state consumer protection and lemon laws that place XXXX AND its facilitator, BOA, in violation of the law. I was defrauded by XXXX and now BOA is trying to extort more money from me, {$5200.00}, for a product I do not have, while refusing to give me the refund XXXX owes me, {$5000.00}, for the deposit, saying I need to give the disreputable merchant an infinite amount of time to provide a solution which is outrageously unreasonable. 
I'm XXXX XXXX XXXX and I'll be retiring soon. I need my {$5000.00} back, and an end to BOA 's extortion.
Product: Mortgage

I called Quicken Loans for the limited purpose of obtaining information regarding alternative loan programs and their respective rates. Although the purpose of my call was clearly stated, the Quicken Loans representative asked a number of invasive questions, some of which I answered. Finally, when it became apparent that the Quicken Loans representative would not furnish the desired information unless I provided more confidential information, I terminated the call. The attached e-mail exchange then ensued between Quicken Loans and me. I respectfully request CFPB to issue an opinion as to the merits of my claim that Regulation B does not apply to the information furnished by me and that Quicken Loans is not prohibited by Regulation B to expunge such information. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you about my credit score  of XXXX that was reported to XXXX XXXX MasterCard, by Experian. I feel my credit score should be XXXX, because I dont owe anyone. I also pay off all my bills every month ; I also have excellent credit for the last 30 years. When I call Experian ( XXXX ) I am told that they can not give me that information ; they can only sell me a credit score. 

I have the right to dispute inaccurate information. Why is my credit score not higher than XXXX? Report # XXXX
Product: Credit reporting or other personal consumer reports

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information in Credit Report I am writing to notify you of an issue I have encountered with my credit report. Upon reviewing my credit report, I have found inaccurate or incomplete information that I believe violates the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( b ), which pertains to the accuracy of credit reporting. 
The disputed information is as follows : I request that you investigate this information and correct any inaccuracies as required by the FCRA. Please notify me in writing of the outcome of your investigation, as outlined under the FCRA. If you determine that the information is indeed incorrect, I kindly ask you to update my credit report accordingly and provide me with an updated copy of my report. If further information or clarification is needed, feel free to contact me at the address listed above. 
The following company has failed to validate and remove credit reporting and is in violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDCPA in the amount of {$1100.00}. This company is not the original creditor and has no standing to report inaccurate information in a consumers credit report. Please remove this account immediately. 

XXXX XXXX XXXX XXXX CFPB XXXX ID XXXX XXXX
Product: Checking or savings account

Notice to XXXX XXXX XXXX, Wells Fargo Chief Financial Officer, I, XXXX XXXX, come in the name of JESUS CHRIST asking you to act in good faith, and provide me with the requested accounting information, in accordance with GOD 's law, Matthew 7:7, ask, and ye shall receive. Please see the attached. Thank you, I come in love, and in good faith. XXXX XXXX All Rights Reserved UCC 1-308.
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT : XXXX This is to formally notify you that 30 days after you receive my initial complaint on XX/XX/2023, you are required to respond, not 60 days. According to the Fair Credit Reporting Act, you must respond within 30 days of receiving my dispute letter ; otherwise you will be in violation of the law and may be investigated by the Federal Trade Commission. I understand you may have overlooked this among other disputes. However, I trust you will respond promptly to resolve this issue. This is the initial complaint filed with CFPB COMPLAINT : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit from CARMAX involving auto financing this account is paid in full and closed. 

In accordance with the fair credit reporting act XXXX XXXXXXXX  # 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: Debt collection

For over 8 years this company has produced false information concerning the original date of this transaction and has threatened my credit and financial security. The latest tactics are changing the date to XX/XX/XXXX  to keep my credit in jeopardy with XXXX, XXXX and XXXX  for the amount of {$2400.00}.
Product: Credit reporting

Experian claims they 're reporting accurate information on my credit report. I sent a request to the data furnisher but the address on file is inaccurate. When I sent them a letter to get further information from them it was returned to me. Please remove the account from my report at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my trucking business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, XXXX XXXX XXXX & XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.
Product: Credit reporting

I have applied for a mortgage refinance. My credit scores on XXXX and XXXX are excellent in the mid XXXX 's. There is a credit freeze on the Equifax system. So far I have been unable to have this removed as they either will not or can not send me some XXXX digit code. I 've written to them, sent the money and have scanned all their on line info. All their phones are automated. Today I received an automated message advising I had no credit file. I need the freeze released permanently as my rate lock will expire. I have been working on this issue since XX/XX/XXXX. Thank you for your assistance.
Product: Checking or savings account

I received several potential fraud alerts from Regions on XX/XX/year>. I confirmed that I had not attempted a purchase at walmart.com with my debit card. 
On XX/XX/year>, I logged onto my account to find that XXXX transaction posted for {$210.00}, There were XXXX additional charges to XXXX for the exact same amount. 
I spoke with XXXX who said XXXX attempts were made, but the supervisor XXXX said XXXX attempts were made. 
They said I had to call back when the other XXXX attempts posted. They were unable to stop the purchases, because they were pending prior to fraud. 

I have never used that card except to make deposits. It has never been out of my wallet. Regions bank employees take possession of the card unlike XXXX for example, where I tap my card and enter my pin. This means a regions employee used my card, a regions employee sold my card number to someone, or there has been an unannounced breach to regions system. 

Regions made it so difficult for me to have my account verified to help, but it was so easy for my card security to be breached. 

Regions has taken the money out of my account. If I had minimum balance, I would be over drawn or fall below the minimum to avoid fees. 

the process was to stop their losses but not replace my losses.
Product: Debt collection

On XXXX/XXXX/15 I requested Portfolio validate an account appearing on my credit report. They have yet to respond to the request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Alleged Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) Billing Error ) Upon reviewing my credit report recently, I observed multiple instances of billing errors as defined under 15 U.S. Code 1666 ( b ) billing error, specifically : ( 4 ) The creditor 's failure to accurately reflect on a statement a payment made by the obligor, or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature by the creditor on a statement. 

It has come to my attention that the creditor failed to provide the requisite 21-day notice ( approximately 3 weeks ) before issuing a statement, thereby negating any grounds for late payments on the mentioned accounts. I am requesting conclusive evidence from the creditor 's bank account to substantiate the claim of non-payment resulting in late markings, as this appears to be a clear billing error. 

I insist that the following items be promptly updated to " paid as agreed '' on 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 As a consumer protected by law, these accounts must be expeditiously updated or removed from my record. Failure to comply will compel me to pursue monetary compensation for the infringement of my rights through small claims court under 15 USC 1681n civil liability. 

Additionally, be informed that this matter has been escalated by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

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

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} TXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Balance $ {$1200.00} XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX - XXXX Balance {$3200.00} XXXX XXXX XXXXXXXX Balance {$150.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Checking or savings account

My husband who died was enrolled in a life insurance policy from Wells Fargo called the XXXX product with the effective dates of XX/XX/XXXX thru enrollment period of XX/XX/XXXX. During that time the policy was in full effect and my husband passed away. XX/XX/XXXX is the date that he passed away. The face amount of the policy is between {$5000.00} and {$25000.00}. I, the widow have requested from Wells Fargo to payout the policy. Wells Fargo has admitted to the policy in effect during that time however they refuse to honor the policy, to payout any payments to the beneficiaries and they refuse to mail me a copy of the policy.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPPA ). 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 deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I have been trying to transfer my funds from my Capital One 360 account to my local bank since XXXX XXXX XXXX Capital One is withholding my funds ( Balance is XXXX ) I have reached out on multiple occasions and spoked with multiple tech support/managers with no resolution in sight.
Product: Checking or savings account

( j.p.morgan chase ) not professional or correct to capitalize their banks name. Violation of my individual due process in banking errors. ( j.p.morgan chase ) Failed J.P. Morgan Chase also in former complaints.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I started a $XXXX dispute with American Express back in XX/XX/, reference number(oanXXXX). The dispute was about a painting job done at my house from XXXX XXXX. The reason I tried to dispute part of the payment was that XXXX XXXX didn’t do a good job, and they ignored my texts, calls, and emails when I requested them to come and fix their mistakes. I tried to dispute with AMEX, but the dispute was rejected 3 times for different reasons!!! I’ve provided AMEX all the documents they needed, but they kept rejecting my dispute without trying to understand that I have received bad service.On XX/XX/, when the dispute was still under investigation, I called AMEX because I realized that the disputed $XXXX was not taking off from my statement balance. I was told by AMEX rep that the dispute was still under investigation, but I only need to pay the remaining amount by taking the $XXXX   off. I was unsure about it, but the rep said that it would be fine and gave me a reference number(XXXX) about this conversation. I did what they told me, scheduled the remaining statement amount to be paid by the due date. However, onXX/XX/XXXX, the next day after I called, AMEX rejected the dispute. This caused me had to pay the interests on the $XXXX I was trying to dispute with AMEX.I am filing a complaint about American Express because this company has been falsely claiming on its website that they ‘promise to understand, respect and back our customers’. Based on my experience with this company, it is actually trying to trick its customers by rejecting their dispute, and then charge interest on the disputed amount. As a loyal customer with AMEX since XX/XX/XXXX, I have been very disappointed with this company, especially when they are making promises they can not keep and trick the customer.