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

I am writing to formally express my concerns regarding the way Zelle handles disputes, especially in light of the recent lawsuit filed by the CFPB, which highlights serious issues with the platform. Despite using Zelle on numerous occasions and reporting discrepancies, both my financial institution and Zelle have failed to properly investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed to protect its customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is concerning and raises significant questions about the safety of its users.
Product: Credit card or prepaid card

American Express bank over charged me interest fee {$28.00} on XX/XX/2023. 

My credit card due date is on XX/XX/XXXX, the balance was {$180.00}, I paid the balance in full on XX/XX/XXXX, they charged me the interest fee {$10.00} on XX/XX/XXXX. 

Then the next month, XX/XX/XXXX, they charged me interest fee again. they said this is trailing fee. but on the statement, Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that happens, we charge interest from the first day of the billing period until we receive your payment in full. 

The question is, I paid the previous balance in full, but they won't stop charging me the interest fee. They are literally robbing customers. 

I hope CFPB can help me, make it right. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was looking for a buy now pay later sort of thing and I found a company called Sezzle and they gave me a {$750.00} credit on their virtual card and when I went to target 's website to buy gift cards for {$750.00} they cancelled my order, took my money and revoked my virtual card.
Product: Checking or savings account

On the first week of XXXX I noticed some charges on my bank account that was not made by me. I reported fraud on the app and called the Wells Fargo to try to get my money back. I explained that I dont live in the US anymore, I gave proof of my residence in XXXX . My debit card got cloned and was used to put credit on a prepaid phone from Georgia and other things like food. I cant be me, because Im not in the US. The bank opened an investigation and decided twice that because the thief used my PIN number it was approved by me. That cant be true because the debit card is here with me in XXXX. Im already filling a report at the XXXX XXXX police department because what happened is fraud and the bank refuses to believe me. I have proof of all my calls, the claim number, the email I got saying that someone tried to used the card to put credit on a number that doesnt belong to me.
Product: Mortgage

After filing a complaint to get a copy of loan payment history records with CFPB on XX/XX/XXXX I received the requested information on XX/XX/XXXX. 

In their letter Specialized Loan Servicing ( SLS ) that both my account transferred to SLS on XX/XX/XXXX, XXXX and the account in question was due for the XX/XX/XXXX post-petition payment. The other account was correctly shown as having the payment due XX/XX/XXXX. 

After review of the payment histories provided and my payment records I see that I paid XXXX payment to the prior Loan Servicing company and did not owe an XXXX payment to SLS as they stated. They have been wrongly charging me a XXXX late fee since they took over this loan. 

I sent a certified letter stating the problem and asking it be corrected AND I be refunded the improper late charges and included documentation from XXXX XXXX that they had received the XXXX payment on XX/XX/XXXX. 

I received a reply from SLS dated XX/XX/XXXX saying the received my letter and my case is under review. I have since made MANY phone call but have not received any answers or reply 's and the errors have not been corrected. 

They said in their letter they would have a response issued to me within state and/or federal regulations timeframes. I don't know what those timeframes are but I do know it have been 6 months!
Product: Checking or savings account

Opened account in XX/XX/2019 at local U.S. Bank branch. 
Did not at any time select or opt in to overdraft protection. 
XX/XX/2019 - charged 2 overdraft fees XX/XX/2019 - charged 3 overdraft fees Charged 5 overdraft fees for 3 transactions that caused an overdraft yet never selected or chose overdraft protection.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding a late payment that was reported on my account. I have not received a response as of yet. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately update this item from my credit report. Its been over 30 days and I have not received an updated status. I demand this account be updated immediately, or I will file for litigation due to the stress you have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Flagship Credit AcceptanceXXXX. XXXX XXXX XXXX XXXX, PA XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with  documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

I have been trying to get my credited amount of XXXX dollars on my account since XXXX of XXXX to no avail. 

Purchase made in XXXX of XXXX in the amount of XXXX to a credit card from Bank of America. Total balance was paid off in XXXX of XXXX. 
I was notified in XXXX that this was a fraudulent transaction and began the process of reporting this to B of A and to get it resolved. 
Received a letter on XX/XX/XXXX to let me know B of A was working on my request and to send any information that I had to support my case. That information was sent. 
Next letter came on XX/XX/XXXX that they needed my signature to continue. Signed on XX/XX/XXXX and sent back to them. 
Next letter received on XX/XX/XXXX that they were working on the claim. 
Next letter received on XX/XX/XXXX they were going to temporarily credit my account in the amount of XXXX dollars. Which they did but this went into a new account number. 
Next letter dated XX/XX/XXXX said " the pending transactions I reported as suspicious never posted to my account. '' Which it had as by the enclosed statement from XXXX XXXX XXXX XXXX and was paid off. Therefore they consider my account resolved. This now shows a XXXX dollar credit in my new account and has every statement since to date. 
I started calling customer service in the beginning of XX/XX/XXXX to get this money refunded to me. Told they would send but would take 10 to 21 days to receive. 
Called again on XX/XX/XXXX since I did not receive it. Again I was told the same thing. 
Called XX/XX/XXXX then the beginning of XXXX and spoke to XXXX and then to XXXX. At the end of XXXX I spoke to XXXX. On XX/XX/XXXX I spoke to XXXX after a few minutes I asked to speak to a manager who I was told was a XXXX XXXX. I only got relayed messages from her through XXXX. She did not allow me to speak directly to XXXX. Was told by all they would send me a check but would take 10 to 21 days. 
I am now reporting this incident to you to see if I can get this resolved.
Product: Bank account or service

I responded to a promotional offer from Suntrust Bank, which promised a {$200.00} bonus for opening a select checking account and making a {$2000.00} direct deposit within 60 days. I met the requirements but did not receive the bonus. When I asked online customer service, they said I do not qualify for the promotion because I had closed my previous account at Suntrust within 180 days. This is completely different from what I was told on the phone in XX/XX/XXXX, just before I opened the current account. Back then the phone customer service told me that my previous account was closed over 6 months ago, and I would qualify for the promotion as long as I make the qualifying direct deposits within 60 days. 

I sent a detailed email to a member of the Suntrust Executive team ( copy attached ), asking them to stand by the information I was given on the phone. In response they claimed " Our investigation was unable to find documentation showing that you were informed you would qualify for the promotion. '' I reiterated my position that the proof is in the phone conversation in XX/XX/XXXX, and requested them to review that call and award the bonus if my claim is correct, or provide me a copy/transcript of the call showing that my claim is incorrect. This should be a simple task, considering that Suntrust claims all phone calls are recorded for quality assurance ( and as I provided all my identification info for the agent to locate my prior account, it should not be that hard to locate the call. ) All correspondence attached, and pleas note each pdf file has several pages. 

Suntrust responded with an identical form letter ( even with the same date ), claiming that " Our investigation was unable to find documentation showing that you were informed you would qualify for the promotion ''. This indicates they either made no effort to locate the phone call, or they had located the call earlier and found that it corroborates my claim. 

Please note that this is not the first time Suntrust agents have provided blatantly false information during the short time I had this account. My original email to the executive office describes another incident where Suntrsut lost my {$1000.00} deposit and gave me the runaround for over 10 days. 

It is deceptive that I was told one thing before I opened this account, and the opposite after I invested several thousands of dollars with Suntrust based on that information. Also unfair that the executive office brushed off my request with the claim " we were unable to find documentation ... '', a statement most likely false considering they claim to record all phone calls. 

All I ask is to receive the {$200.00} bonus I was promised in return for depositing my money with Suntrust. I am also attaching a sampling of reviews/complaints from other customers who were cheated out of the similar bonuses by Suntrust, demonstrating that Suntrust makes a habit of this deceptive practice.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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. 
XXXX
Product: Consumer Loan

I am requesting that CFPB investigate the lending of credit practices ofCredit Acceptance Corporation. The vehicle loan product presented tome was done in very deceptive manner. I advised their representativethat the due date of the payment of my loan did not coincide with mypay date. I was advised not to worry because I was given a grace periodper the coupon book. I am constantly being harassed byCredit Acceptance if I do not get the payment in by the XXXX of the monthI have attached the coupon book and correspondence that I received onXX/XX/2015 stating the intent to repossess. Their practices are verydeceptive because the coupon book says by XX/XX/XXXX a late fee will beassessed and I was given the same information by the representativewho sold me the product but instead I receive an intent to repossess letter that isdated XXXX/XXXX/2015. The XX/XX/XXXX payment was made XXXX/XXXX/2015. I have filed a complaint before but now I want the corporation and it 's practices to be investigated. Please note : I have never been 30 days late on mypayment. I am a customer in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX my mortgage with Carrington mortgage was paid in full, address of XXXX XXXX tx XXXX. I have requested a breakdown of my escrow account and my last payment on three occasions due to a dispute concerning the final escrow distribution. Carrington mortgage refuses to explain how they reached the amount of the escrow distribution, continuing to say the loan is closed and they do n't have access to the data. In Carrington 's view the amount they sent is final and not to be questioned. When the escrow company requested a payoff an additional payment was made by myself afterword. The escrow company sent the original payoff which did not take into account the additonal payment which I have yet to receive back from Carrington.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports immediately!
Product: Mortgage

On XX/XX/2021 My husband and I decided to refinance our home loan with XXXX XXXX  XXXX XXXX. When we decided to refinance our loan we also decided going forward we would waive our escrows and pay them ourselves. 

We received a Mortgage Statement in the mail from our previous mortgage company Newrez with a statement date of XX/XX/2021 due on XX/XX/2021 letting us know that our current escrow balance was {$4100.00}. 

On XX/XX/2021 XXXX XXXX XXXX XXXX  ordered a payoff from my loan with Newrez. The payoff had a principal balance of {$310000.00}, interest to XX/XX/2021 {$660.00} ( this was later updated on the Final Closing Disclosure adding 5 more days with an additional {$160.00} in interest making my payoff good thru XX/XX/2021 ). A release fee of {$25.00} and Funds owed by borrower {$590.00}. At the time my total payoff was {$310000.00}. 

After speaking with the processor at XXXX XXXX XXXX XXXX I told her my mortgage payoff should not be that high. At the time I didn't have a copy of the payoff in hand and the processor said she didn't know what the {$590.00} charge was for. 

After getting off of the phone with the processor at XXXX XXXX  I called Newrez and asked to speak to someone in the escrow department. I was transferred to Customer Service instead. I was told there was no escrow department. 

The Customer Service Rep at Newrez said the {$590.00} fee was to cover my MI  payment. I asked if the MI  payment could be taken out of my escrow account like it had been over the past year? The Rep said she was unable to have the MI  deducted from my escrow account because the system wouldn't allow her to do it that way. 

On XX/XX/2021, the day of my refinance, the balance in my escrow account was {$4100.00}. That same day Newrez took out {$290.00} for my MI payment, leaving me with a new balance of {$3800.00}. On XX/XX/2021 the day my refinance funded Newrez added back into my account the {$290.00} that was taken out on XX/XX/2021 bring my balance back to {$4100.00}. 

After my loan funded with XXXX XXXX receiving an escrow check in the mail in XXXX. When I noticed the amount was not {$4100.00} I called XXXX to find out why the check was only in the amount of {$3800.00} instead of the full amount? This amount would have been fine if I hadn't already paid the full amount of {$590.00} for MI at closing. 

I was told that the MI  payment needed to be paid and that the check was the correct amount. I informed the person I was speaking to that the MI  amount of {$590.00} was added to my loan payoff and the MI  payment was paid at the closing, therefore nothing should have been taken out of my escrow account. 

Customer Service said they could not resolve the issue and I would need to email XXXX about the matter. I've emailed XXXX with copies of my escrow history and a copy of the loan payoff that was paid at closing with the MI charge three times. I've called Customer Service several times and they still believe that taking the money from my escrow account bring my MI current AND collecting the same amount on the loan payoff that was paid at the closing was the correct thing to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i sent a dispute to your company stating that your company is reporting and has been reporting inaccurate information on my credit report. I was never notified of any investigation status starting nor do i have any results from that investigation. This is the dispute I sent : " I recently obtained a copy of my credit report from your service and have found the date of last activity is inconsistent and inaccurate across Equifax, XXXX and XXXX for the account : XXXX XXXX Account # XXXX According to 15 usc 1681s-2 of the Fair Credit Reporting Act, it is the job of the furnisher to make sure that all information reported is reporting to 100 % accuracy. How can this information be accurate if all 3 Credit reporting agencies are reporting 3 different dates of last activity for this account. XXXX is reporting a date of last activity of : XX/XX/XXXX, equifax is reporting : XX/XX/XXXX, and XXXX is reporting : XX/XX/XXXX. If all three bureaus are reporting different information, which bureau has the right information? This account can not be accurate which means that the furnisher has decided to disobey the FCRA and report information that they know is not accurate. This account was in fact deleted from XXXX because of its inaccurate reporting. Now Because of the explicit disobedience of the furnisher and your neglect to make sure that the information was indeed correct and verifiable, I as the consumer am demanding this account be removed and deleted because of its inaccurate reporting. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for your re-investigation of this item. '' Remove this item because you have broken federal law and have been reporting inaccurate information, in this case different date of last activity on my report than other bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a 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: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 
These are the accounts disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My car 's been towed by repo. So I tried to make payments and get my car back. 
Then I made the payments a week ago from now, and agreement with 2months extension, but I did n't get my car back yet. 
Now I try to call to them and talk about this, but they do n't answer. 

After read the critical reviews about that company 's services, I 'm sending this complain to CFPB because now I 'm so confused what I 'm gon na do.