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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 CFPBs 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.
Product: Bank account or service

My business partner and I opened a DUAL SIGNATURE account, at BB & T, which required both signatures for any transactions. She and I, each, put $ XXXX the account and were adamant with the Bank Officer that we had to sign jointly and we signed a card to be filed with BB & T. On XXXX XXXX, 2015 an investor, ( He was a friend of my partner. ) came on board and loaned us {$25.00}, XXXX payable in 6 months with 5 % interest. All XXXX ( XXXX ) of us signed a Promissory Note at the bank with the same bank officer as a witness and notary. We wrote a check for a deposit for $ XXXX a lease for a building on the beach. Monday, XXXX XXXX, 2015, the banker called me and informed me, my partner had withdrawn all the money andCLOSED the account, but they were depositing my initial {$4000.00}. back into an existing account I had already with BB & T. When I questioned the banker about how my partner was able to withdraw without XXXX signatures, she informed me that as a partner she ( my Partner ) could manuever money as she saw fit since she was a signer on the account. 
I contacted BB & T corporate and they referred me to a clause stating that if was unclear, they could allow XXXX signature to conduct transactions if they are unclear that XXXX signatures were required. The same Bank Officer is the one who opened the account, witnessed the promissory note signatures, and closed the account. I do NOT see how any of this can be misunderstood nor unclear. 

Now I have a {$12000.00} check floating around out there with my signature, ( and my Partners ), on a closed account. HELP!
Product: Credit card

On XX/XX/XXXX I received a text from Wells Fargo asking if I had recently approved a transfer in the amount of {$2200.00} to someone. I responded no as I didn't obviously want that to go through or approve but I don't even have a Wells Fargo credit card. The next day I received a call from Wells Fargo asking if I had approved a transfer to a woman named XXXX XXXX, and I said no I do not know anyone by that name. After that we became disconnected, I waited for about 10 minutes cuz I assumed that the man would call me back however he did not. I then called the Wells Fargo number he called me from and spoke with a woman who was unable to verify my identity and suggested that I go into a local Wells Fargo branch, which I did on XXXX XXXX XXXX. The banker checked and confirmed that I do not have a bank account or credit card under Wells Fargo. She then proceeded to tell me that someone within the last month has come into the Wells Fargo Bank in XXXX XXXX XXXX I don't know which one under my name requesting an account be opened and money transferred to this person. I put a freeze on my credit report, but obviously somebody stole my identity, and coincidentally my car had been broken into on XX/XX/XXXX XXXX. I have filed a police report. I have two phone numbers, one is from the text I received and the other is the actual phone call number which I will attach that as well as my police report
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back. I am not sure if this is some mistake as I assume it has to be. I am no longer able to get help from them but I remember I could file a report here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX.
Product: Debt collection

Seven months after moving out of my previous home, XXXX XXXX XXXX XXXX XXXX sent a bill for {$370.00} to a collections agency. No attempt had been made to inform me of the debt in the intervening 7 months. XXXX XXXX XXXX had my home phone number, work number, bank account information ( with permission to withdraw ), new address, and e-mail address. Yet they sent the account to collections without ever informing me that there was a balance due. 
The collections agency threatened to take further legal action, including negative credit scores and lawsuits, if I did not pay immediately. The collections agency had no information about the debt. XXXX & XXXX had no information or explanation of the debt, other than " you owe this. '' No one could explain why no previous effort had been made to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. 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, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i 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 : XXXX-Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry:XXXX
Product: Debt collection

They are attempting to collect a debt that doesn't belong to me. They are demanding immediate payment from me without providing any proof they have the right person.
Product: Debt collection

Today ( XX/XX/year> ) An individual who called themselves XXXX XXXX of Bay Area Credit Service from an off shore call center to collect a debt. He was calling for someone who who was not myself. Through the phone conversation he shared very personal information about the individual in question including incident details, amount owed, account numbers, addresses, full names, etc. 

As I am not the personal in question, I found it very frightening that a company such as Bay Area Credit Service would freely give such detailed personal information about someone. 

After the initial call, I called the actual company to inform them what had happened. I spoke with XXXX XXXX, an apparent supervisor, who quickly became rude and defensive when I explained the situation and asked for a copy of the recorded conversation that was has with me so I could submit along with my complaint.
Product: Vehicle loan or lease

On XXXX XXXX I called Capitol One Auto finance. I asked them about the extra money I send monthly to be applied to the principal, so I can pay down the loan. I was told the extra money is applied to my next months payment to reduce the cost of the payment. 
I told him I clearly requested that they put the extra money on principal. I had no knowledge that they operated this way. They did without my knowledge or permission. I think this is dishonest.
Product: Debt collection

I recently had a Collection appear on my XXXX Credit Report as of XX/XX/XXXX from Ability Recovery Service. I have never spoken with this company prior to this date, nor have I received any written correspondence regarding alleged debt. 
I contacted the company and I was hung up on and was spoken to rudely when I attempted to get information as I have no knowledge from this alleged debt from this company or the original creditor. After reviewing my records, the date of service that they alleged is not one that is in alignment with the last time I was in the hospital after an automobile accident in which that debt was paid so this appears to be an error. I also received nothing from the original creditor. I received no notice or validation of this debt from this agency or the original creditor. I have no knowledge of this debt. Upon finally being able to speak with someone, they confirmed they in fact allegedly sent information to the incorrect address so I have no knowledge of this debt. They said the debt is from XX/XX/XXXX but have it listed as XX/XX/XXXX on my credit report so they are also modifying dates to reage the account.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I can still see the Fraudulent information that I was requesting to get deleted. This information is damaging my credit and it's affecting my credit worthiness.
Product: Money transfer, virtual currency, or money service

XXXX claims checks required XXXX signatures to endorse were cashed out by Bank of America without the proper signatures. And Bank of America is refuses to retract the money back or open up a claim. First check was on XX/XX/23 for XXXX and was cashed out on XX/XX/23 with only XXXX signature by bank of America, and second check was written on XX/XX/23.
Product: Mortgage

I am a veteran and trying to refinance my home into a VA mortgage. I am in the process and have hit a sang with my current lender Ditech. 
Ditech is adding some additional Corporate Advance of {$63000.00}. My mortgage was modified with Green Tree the previous servicer. I have attached documents showing the partial payment and the balance included in the bankruptcy. There should not be a corp. advance fee.
Product: Money transfer, virtual currency, or money service

I did not receive any information from cashapp when I sent in a complaint about fraud. They would not help me with my account. I am involved in a cash app fraudulent lawsuit
Product: Mortgage

On XXXX I started a process with DHI mortgage where I authorized with my personal information, social security, and another details they asked for, after a few days I noticed on XXXX XXXX specifically on XXXX that they did not XXXX but XXXX Hard inquiries, I contacted them immediately and they said it was only XXXX verification not XXXX, I waited more time to see if it erase from my report on XXXX, I contacted with DHI mortgage and they don't give me a solution, Today I called XXXX to try and resolve the Hard inquiries and they explained that they can't do anything about it since I consented that company to check my credit and their the only ones that can remove that
Product: Credit card

A credit card account was opened without my knowledge, indicating identity theft. I have already contacted PayPal to report this fraudulent activity. I never gave my authorization for this account to be created. 

The credit card was opened on XX/XX/year>, for a credit line of {$1200.00}. Which as per what PayPal shared with me {$960.00} was used in XXXX. 

As I have mentioned before this account has been opened without my knowledge. I can only assume they stole my identity and used my SSN. 

I want to report this identity fraud and theft as well as reporting PayPal for their lack on security allowing this to happened.
Product: Debt collection

I came into an agreement with chase bank for a card i defaulted on making payments, I settled the account for less and in return they was going to delete my account of the credit bureau and put as settled. but they havent done so and i tried disputing it but they wont remove it .. I have a letter they sent me saying that they will honor the agreement
Product: Mortgage

I asked for information regarding how when I originally borrowed {$25000.00}  in 2007 an d my payments were $  XXXX  month  is my balance 10 years later over {$24000.00}?! I have never missed a payment during that time, and have a contract to sell the house and was shocked to learn what my balance was on this loan! Is this predatory lending? Whatever it is, it ca n't be right.
Product: Checking or savings account

0n X/XX/2017 I paid my local personal tax via check. One check for my husband and 1 for myself. Both checks in the amount of {$9.00}. Both checks have been cashed but my bank still has not posted them on my account. They show that they have cashed them but refuse to post to my account. It has been over two weeks that they have cashed them.
Product: Credit reporting or other personal consumer reports

Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.
Product: Credit card or prepaid card

Since, XXXX, I have been waiting for a refund of {$100.00} from NetSpend. The refund is from purchasing a XXXX XXXX from the United States Post Office, at XXXX XXXX XXXX XXXX XXXX . XXXX in XXXX, Wisconsin. The total cost was {$130.00} and I closed the po box , returned the keys around XXXX. I purchased the po box around XXXXXXXXXXXX. The post office took {$34.00}, after closing the po box , based upon their refund policy, which I believe is a form a fraud, for a po box that I did not use ; however, because an individual actually activates the po box there is a deduction based on activating the po box , done online. If I would have requested the same refund without actually activating the po box online ; then I would have the full refund amount given to me ; however, since I activated the po box online ; then I am being charged for " keys '' that were returned and considered " no charge with the po box , '' but since the po box is activated, I am charged the fee for free keys. 
Since around XX/XX/2021, I have been dealing with receiving the refund of {$100.00} from Netspend. The United States Post Office has claimed that the refund was submitted to the card ending in " XXXX '' on XXXX, but NetSpend has claimed that no refund has been submitted to them. I have had several different cards with NetSpend based on either receiving the upgraded card of " NetSpend All Acess '' prepaid card and two other prepaid cards from NetSpend with either NetSpend changing " banks. '' When upgrading to the NetSpend All Access, any refunds to the previous cards that would be closed when upgrading to the " NetSpend All Access '' would be closed and difficult to dispute changes or receive any refunds, which would go to the prepaid used to purchase any product or services. 

In addition, to the closure of the previous two prepaid NetSpend cards, by NetSpend by changing the bank and closing the previous card, due to an upgrade of the " NetSpend Access. '' The previous accounts, access to the transactions are closed, there is no option to dispute a " refunds or transactions '' without having online access to those previous card numbers, only NetSpend has access, once the account is closed. The only option available is to call NetSpend 's customer service number and play the waiting game, because there is no documentation available on your end of any disputes or issues, once the online access to the account is closed. 

This issue with receiving my refund from the IRS for {$1200.00} that was also deposited unto an account that was closed or due to NetSpend changing banks and when they changed to a different bank ; then the account number and routing number changed and prepaid card number. Therefore, when the IRS deposited the Covid-19 refund, if the account and routing number was changed ; then the process on updating that information becomes complicated. However, the IRS did deposited the refund into my account and also this refund was also embezzled out of my account to transfer the funds into another account without my permission, consent, or authority. Again, NetSpends claims that the {$1200.00} was not deposited.
Product: Debt collection

In XX/XX/2019, Portfolio Recovery contacted me to pay off a very old credit card. 
I informed Portfolio Recovery that to the best of my knowledge the debt had been paid off years ago. 
They told me no, still owed the debt ; no offer of proof that they had. 
I told them that I was not going to pay the debt again. 
Now they call me 1, 2, or 3 times a day. 
I now refuse to answer their calls.
Product: Consumer Loan

Not only I but my family members also have been harassed by the collections department of BMW financial services. I have a record phone call from them when they called my son while he was away in college. I have been told that BMW financial services called several other family members as well. I XXXX XXXX was the sole owner of the vehicle. I do n't understand how it is legal for BMW financial services to contact anyone else but XXXX XXXX. The vehicle was repossessed by BMW financial services in XXXX of 2015. Since then BMW has be fully compensated for the sale of the vehicle. Not only am I still receiving calls but this nonsense is being reported on my credit report. I am reaching out to you in hopes to dissolved this matter immediately to avoid further costly actions. BMW financial services continues to conduct business in ways that are unconstitutional. I am being unfairly treated and consistently harassed, I am physically and mentally drained from this situation.
Product: Debt collection

I received a phone/voicemail call on XX/XX/2019 asking for my ex-husband to called back. I called to tell them that they had the wrong number and that I do not know anything about what was going on. or the person they were inquiring about. I asked them to take me off their list, and they said that they would not and that they would continue to call unless I gave them the information they were searching for. 

They asked me if I knew the person and I told them that it didn't matter if I did or not, i just wanted the calls to stop. I told them that it didn't matter whether I knew the person or not, It is not even my issue and they are harassing me. They called me a liar and said that the calls would not stop. 

I have had a problem with debt collectors before for my Ex - I know nothing and I do not want to be involved. Now they have started over. If I block the call- they call back on another number. The message said that it was XXXX XXXX from Alliant Capital, when I called back for the name they said Capital Management. 

Phone Number that called today is XXXX. They requested that I call XXXX.
Product: Debt collection

WAYPOINT is claiming that I owe them {$220.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit card or prepaid card

I received my stimulus payment on an American express serve card. I received the payment and was never sent an email or was notified in any way, the only reason I found out was bc I called. I had received my last payment on one of the same cards but apparently not the same card as they are not linked. Instead my money came on a card I had never ever had possession of, so the customer svc person sent me out another card. I received it nearly a week ago, talked to over 30 ppl been hung up on, spoken badly to, spoken to everyone and still have no answers. They say I have to register it and then I can activate it after I complete email verification..I would love to..but I've received just as many broken links as I've been hung up on and given the run around..I suspect fraud i don't know where to turn next. I'm unable to register/activate/ or do anything with this card yet it holds every penny I have to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending again a complaint in regards to the inaccurate and unknown things on my credit report. It has been over many days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please remove these items. Do so, to comply with FCRA which requires all reporting to be 100 % accurate. 
Here are the list of items that needs to be delete in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/20 I tried to purchase something online, but the website said the transaction failed. However, a charge for that amount showed up on my credit card under a different business name. I quickly realized I had given my card number to a fraudulent website. I tried to cancel my card within 10 minutes of making the purchase, but the credit card company had no service available to answer my call until XX/XX/20 ( which is ridiculous, but whatever ) so I couldn't cancel my card immediately. The best I could do was put my card on hold, which I did immediately. I called the credit card company again on XX/XX/20, but was put on hold for over an hour. I called the credit card company again an hour later, finally spoke to someone after another half hour, and was told that they refused to do anything about the fraudulent charge.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX  1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

XXXX {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


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

I have wrote Equifax on XX/XX/2019, XX/XX/2019, and again today on XX/XX/2019 in regards to hard inquiries that were not authorized and a negative account that all should be removed. It has been now going on 60 days. My disputes for the same issues however, with the other two bureaus have been updated and removed. Equifax is violating FCRA.
Product: Payday loan, title loan, or personal loan

This company offers credit building. I used my own money and secured XXXX separate loans under Self Lender. ( # XXXX & # XXXX ). Self Lender disbursed funds under two separate names : The 1st was Self Financial Inc./Lead Bank # XXXX and the 2nd was XXXX XXXX Self Lender XXXX XXXX. I made monthly timely payments that were drafted from my debit card monthly. I called the company to update my debit card so that they could continue taking the monthly payments and they did not update the information. Their error caused late payments on my account. I was not aware they had not updated my account until recently when I saw my credit report. I disputed the information because its an error on their part. Self Financial Inc ./Lead Bank XXXX XXXX Self Lender added additional late payments to accounts that were closed in XXXX and XXXX. This was retaliatory, incorrect and malicious. I paid my debt. They should not be able to reopen a closed account nor should they be able to add fraudulent information two years after the account was closed.