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

I am writing to formally express my concerns regarding Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was impossible and that tracking the transactions was unfeasible.

The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

In XXXX 2017, someone gained access illegally to my Serve account by American Express and proceeded to not only delete the funds in the account, which was {$72.00}, but also gained access to my XXXX Checking account which was used as a funding source to the tune of {$1200.00}. American Express refused to immediately close my account, as it was compromised. As a result, I had to close my accounts with XXXX XXXX and open XXXX different accounts, as my original accounts were compromised as well. American Express then blocked access to my Serve Account, responding that I had violated Section 16B of the Terms And Agreement. I have not received a refund for my account that was closed, nor did American Express protect my Serve Account from being hacked, and thus compromised.
Product: Debt collection

XX/XX/XXXX I obtained a copy of my credit report. I mailed a letter to Pro-Collect XX/XX/2021 Via certified mail. Receipt # XXXX asking for the following debt to be validated. I requested Original application, Billing statement, Photo identification, Lease contract, IP address, Move out charges, pictures of damage. The company called my wife threating her, if she didn't pay she would be sued. Call recorded. The company mailed a letter back XXXX sending 1 page of application no signature, 1 page of lease no signature, no explanation of charges. 

I sent another letter on XX/XX/XXXX certified mail receipt # XXXX advising that they had not properly handled my dispute. I requested the above information to be mailed to me again. Instead the company replied back on XX/XX/2021 failing to process my dispute this time offering 50 % off the debt in exchange to delete the debt the from my credit. I declined the offer. Sent a final debt for investigation of this debt explanation of charges, if company unable to find explanation that they'd delete the debt from my credit. 

The company replied back XX/XX/2021 debt was vaild and would stand in there office and that full amount was due. 

Pro-collect has failed to process my dispute per section 809 & 813
Product: Credit card

I had went to create an order on my XXXX XXXX account to purchase a television. I did not order delivery because I didn't think I'd need it. But when I read the weight of the tv I knew I'd need to get delivery because I'm XXXX. 

I reordered the TV with delivery and the person told me my first charge would be removed on my credit card. It was not. 

I asked the the XXXX representative when I called to file a dispute if both of these charges were refunds. They confirmed they were. So I canceled my dispute. 

When the charge didn't go away and it wasn't a refund I had to pay {$1400.00} extra for my tv ( double the price ) and was told I could not refile the dispute.
Product: Mortgage

In XX/XX/2014, I refinanced my house thru XXXX XXXX XXXX. The terms of my new loan included PMI. Within 30 days it was transferred to Wells Fargo. PMI may be insurance for the lender but it is a charge, a fee, against the borrower. The monthly statements I received from Wells Fargo make NO mention at all of the PMI that is paid each month. The PMI is stated on an escrow statement that comes out once a year. I did not see my PMI for several months before I became aware of it being an active and monthly fee. I accepted the PMI from the lender who originated the loan, with the intent of cancelling as soon as possible. When its transferred, and no mention of it on the monthly statement, it leads one to believe possible removal or cancellation of PMI by the new lender. My credit score is excellent, above 800.  My monthly mortgage payment has NEVER been late. All other businesses are required to show all monthly charges and fees on the monthly statement. It appears Wells Fargo is not being 100 per cent up front about fees and charges with their mortgage customers. I think its a bit sneaky how they hide this fee with the other escrow funds held aside for property taxes and home owners insurance, and then communicate this once a year to the borrower. I have made several calls to Wells Fargo, and have written two letters. One of which will be attached here, along with a mortgage statement. ( The other letter got deleted but was the same message. ) I have requested that they re fund me the PMI that was paid over 5 years of this mortgage loan, due to Wells Fargo 's failure to properly communicate fees and charges on the monthly mortgage statement. I have also asked them to return the 2 original mortgage statements that I sent to them for review. They have refused to send them back offering copies instead. I TOLD THEM, you can make copies for YOUR records, send back MY original documents. I have had two conversations with XXXX, and several with XXXX XXXX. XXXX XXXX is no longer returning my phone calls. I have left several messages. Terrible customer service. I am filing this complaint after several phone calls and letters with Wells Fargo, also giving them a chance to correct this well before I file a complaint here with the CFPB. In conclusion, charges and fees MUST be communicated on the monthly mortgage statement, like all other businesses like airlines, hotels, car rentals, wireless cell phone bills etc. Send me my money back! 
XXXX XXXX
Product: Mortgage

During the month of XXXX 2023, my Line of Credit account was stolen. Looks like it may have been used by another party to launder money. I was also pressured by them to send wires, with the promise that it will be reimbursed. ( There 'reimbursements ' were eventually returned ) My original balance was about {$40000.00}, Credit limit was {$150000.00}. The account shot up to over {$290000.00}. We have been trying to pay it down since. I had NO notice from the bank, Huntington National, that my account was going way past the $ XXXX limit. No alerts, email. Account was not frozen for further activity, on hold, or closed, The activity continued. The only way I found out was when my account was denied web access. I called customer service, but no reason given, only with instructions to go to bank branch, Only there I found out about the fraud and that the account was 'Stolen ' and I'm responsbile for amount of fraud. Does the bank have fiduciary responsibility to inform the customer and protect the account when it goes this far above the limit?
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and on XXXX XXXX a credit card was opened with creditor XXXX XXXX or Swiss Colony XXXX. This inquiry was fraud on my credit report because I never authorized this account to be processed. I want to dispute this because it messed up my credit score and I just purchased my home and i dont want to lose my home because of a fraudulent inquiry. The credit card limit was XXXX  and the reported balance was XXXX
Product: Debt collection

We have been receiving multiple phone calls from a woman calling on behalf of Convergent Resources virtually every day for months. She is using different phone numbers, and the calls come from near the XXXX Ohio XXXX. We do not owe anyone anything on this earth and when we try to obtain information from her, she demands to know if I am some other person. She then needs information to access our files, which do not exist because we owe no one. When I contacted Convergent in Arizona the same thing happened followed by a hang up. The number in XXXX of the caller is XXXX, XXXX. We have no idea where they obtained any information on us, but we suspect our age is a factor, as we are both retired. After doing research on this company we feel there is a bigger scam going on than debt collection, why else contact people with no debt?. There are also times when they call and no one speaks, finally a women comes on, gives no ID or company name, and starts asking for people.When you question her she hangs up.
Product: Mortgage

History : My mother passed away in XXXX, leaving a home and mortgage to my brother & myself. After her money was depleted, I personally began making the payments until I could no longer financially afford the payments. Due to the recession, the real estate market has never rebounded where the house is, plus it is overbuilt [ 7500 sq house on 18 +/- acres with private lake in rural area ]. Upon ceasing payments to XXXX XXXX [ XXXX or XX/XX/XXXX ], the loan was assigned to Bayview Loan Servicing , LLC. Bayview is a collection company. However, I have been completely up front with them, requesting a deed in lieu. Upon my brothers death, his 50 % was left to his XXXX adult children. It was discovered than XXXX nephew has a large judgement against him. I immediately notified Bayview that a foreclosure would be necessary. In XXXX, I was told everything was fine for the deed in lieu. After a more thorough title search, Bayview discovered my nephews judgement. I provided the necessary info to allow nephew & Bayview to communicate, so Bayview 's legal team could negotiate with XXXX XXXX regarding the judgement. Nothing has happened. Bayview has not maintained the property, yard, etc. I have still been paying the utility bills. My & my nephews emails are not responded to, nor are calls. The property looks quite abandoned. Bayview has not followed the promised procedures, etc. 
I have never had any credit problems, so have no knowledge of the processes. I do believe that 1 and 1/2 years is TOO LONG for this process to take. 
XXXX XXXX # XXXX in the name of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, VA XXXX ; Bayview Loan Servicing loan # XXXX ; current contact is XXXX bayviewloanservicing.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have made numerous attempts to contact Equifax and XXXX  on XXXX, XXXX, XXXX, and XXXX regarding the incorrect/inaccurate errors on my credit report. I have received no response from Equifax and XXXX  has only updated the inaccurate information with no other findings or explanation. This has become a hardship as this incorrect information is impacting my ability to purchase a home as I am currently in the process. I have sent numerous letters and XXXX has removed the inaccurate reporting as of XXXX, but Equifax and XXXX  have not. This complaint is to document the companies non-compliance within the statutory time period30 daysto my request for re-verification. I assume they have not been able to re-verify the information I have disputed. Therefore, they must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report ASAP. Please I am asking for any assistance with this matter as it has been well over the allotted 30 day timeframe.
Product: Checking or savings account

Synchrony Bank has rolled over a 24 month CD ( #  XXXX ) against my instructions and now wishes to fine me over {$3000.00} to retrieve my money. The CD matured just 14 days ago at which time I gave instruction by phone to transmit the funds to my linked outside account at another institution. Their web site has no provision for providing the instructions they require to prevent automatic roll over forcing it to be done verbally. I have discussed with Synchrony supervisor XXXX XXXX. He will not reverse the roll over. He says he can not find record of my phoned in instructions. XXXX XXXX confirmed that the phone number he had on file was not current. 

Synchrony Bank has developed a system to prevent customers from closing their accounts without being ripped off by fees termed " Interest Penalties ''. These penalties were allowed so as to prevent customers from obtaining improved interest returns but then changing their minds part way through the term of the CD contract. Instead they are being used to trick customers into keeping their accounts open when they are not wanted or alternatively ripping off those who close their accounts. 

I hope you can resolve this matter for me and also achieve a change that will prevent investor rip-offs of this nature. 

Best regards, XXXX XXXX
Product: Credit card or prepaid card

When I use the XXXX store card or the XXXX XXXX card and I get a refund it's never credited to the card it never comes off the total it is held as a gift card so they never lose that money and I never gain it back
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute and Complaint against XXXX XXXX  Dear CFPB Representative, I am writing to dispute and complain about the unfair and inaccurate reporting of a charged-off account by XXXX XXXX. The account, which appears on my credit report as " XXXX, XXXX was allegedly charged off and written off in the amount of {$160.00}. 

I strongly dispute this account and its reporting for several reasons : 1. Failure to provide a 1099-C : As a result of the charge-off, XXXX XXXX  was required to provide me with a 1099-C form, which I never received. This form is necessary for me to report the income on my tax return. 
2. Inaccurate reporting : Despite the account being charged off and written off, XXXX XXXX continues to report that I owe a balance. This is inaccurate and misleading. 
3. Unfair tax benefit : XXXX XXXX claimed the charged-off amount as a loss on their taxes, which provided them with a tax benefit. However, they failed to provide me with the necessary documentation to report the income on my tax return. 

I request that the CFPB take immediate action to : 1. Investigate this matter and require XXXX XXXX to provide me with a copy of the 1099-C form. 
2. Correct the inaccurate reporting on my credit report and ensure that the account is updated to reflect a XXXX balance. 
3. Take enforcement action against XXXX XXXX for their failure to provide accurate information and for their unfair tax benefit. 

I have attached a copy of my credit report, which shows the inaccurate reporting of the account. I would appreciate it if you could look into this matter urgently and take corrective action to resolve this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I received a letter from Newrez, LLC, dated XX/XX/2023 stating that wind damage coverage is required on my individual condominium unit HO6 insurance policy. In the same sentence Newrez states that " we plan to buy insurance for your property. '' Newrez then went on to state the following : " You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. 
The insurance we buy : May be significantly more expensive than the insurance you can buy yourself ; may not provide as much coverage as an insurance policy you buy yourself. '' This communication from Newrez was received apparently without any knowledge or attempt to understand that the condo unit in question is contained within a larger building. The wind coverage is carried at the association level on the master policy, not at the individual unit level. Newrez took no time nor interest to understand the facts prior to sending out an aggressively worded communication. 

My ultimate concern is that those who receive this type of letter may feel pressured or coerced into adding coverage onto their individual policy that is redundant and not required, therefore incurring unnecessary cost. 

The customer service agent at Newrez, acknowledged that other people have complained about the same issue and management within the organization is either indifferent to the concern or unwilling to address.
Product: Mortgage

During the process of taking a mortgage for my apt purchase, Chase mortgage representative offered my a incentives to close on the mortgage. one of them was getting {$500.00} when 1 do 3 things 1.  Open a Checking account with Chase 2. Paperless mortgage statements 3. auto debit the mortgage payment from that account In the email I received from the banker with the details, there was no mention of a time frame to open this account within to qualify. Based on the benefits, I closed the mortgage with Chase. When I tried to open the account 8 months after closing, after 10 calls, Chase lets me know that I am not eligible as the time frame to qualify is only 60 days. They also let me know that they cant do anything as the banker who closed the loan with me is no longer with the firm. 

The XXXX cash bonus was one of the reasons I opened my mortgage with Chase and they not honoring what was offered makes me feel cheated. 

Not attaching mail proof as I have details on the mortgage. but have shared the mail with JP morgan. I can attach if needed
Product: Debt collection

The phone number calling my place of work almost every day XXXX to collect a debt from 5 years ago is a third party who bought the debt from XXXX XXXX XXXX. It is causing my other coworkers to be bothered and causing defamation of my character.
Product: Credit reporting or other personal consumer reports

The Transunion website does not work when trying to freeze or unfreeze credit. It continually gives an error, " Sorry, we're having trouble showing the status of your credit freeze right now ''.

It is not practical to call or chat with them. Such requests as often urgent and time dependent, so it's critical credit reporting agencies remain complaint with federal law requiring this option at all times. The other 2 agencies don't have this issue.
Product: Credit card or prepaid card

I did a credit card consolidation on XX/XX/2022 and there was an overpayment of {$11000.00} so on XX/XX/2022 I asked that they send me a check for balance and they said they would. On XX/XX/2022 I noticed an ACH payment for this amount and the credit was gone out of my account. I called and they said that they decided to refund it to a bill payment service but were not sure which one or the account number. My credit consolidation company XXXX has not received the money and US Bank can not find it. I would like to find this money and receive it or have it received by the credit consolidation company as my payments on my consolidations are {$750.00} a week and I am paying for something I do not have.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account previously listed on my credit report by XXXX, Experian, and XXXX. Specifically, I disputed a charge-off account from XXXX XXXX XXXX XXXX on my XXXX secondary credit report. After completing their investigation on XX/XX/2024, XXXX fully deleted the account from my report. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates the verification of disputed information, XXXX deletion of this account indicates that the information could not be verified. As such, this unverifiable account must also be removed from my credit report with your agency to ensure compliance with the FCRA. 

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy in consumer reports. If XXXX, a recognized consumer reporting agency, has deleted this account due to its unverifiability, it stands to reason that your agency must take similar action to ensure compliance with federal law. 

If this account is not removed within 30 days, I reserve the right to pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance with the FCRA. These provisions allow for statutory damages, attorneys fees, and costs in cases of noncompliance. 

Please consider this letter a formal dispute and request for deletion of the unverifiable account. I expect the removal of this account within 30 days or less to avoid further escalation. Attached to this letter, you will find supporting documentation, including proof of XXXX deletion of the account, for your reference. 

I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide written confirmation once the account has been removed. Should you require further information, do not hesitate to contact me at the above-listed email or phone number.
Product: Student loan

I called on XXXX/XXXX/XXXX to find out why my loan paperwork on XXXX site stated that my loan would be paid off in XXXX. When I took the balance ( {$15000.00} )@4.5 % interest to a auto loan calculator, I found that it should pay off within 7-8 years and not 12 years ( XXXX - XXXX ). I then went to a representative to ask what was going on. My account says that Loan 1 payment is {$10.00} and for Loan 2 - {$150.00}. This brings a total of {$160.00} and I have been paying {$170.00} for years. The rep told me that under billing and payments that {$11.00} for Loan 1 and {$150.00} for Loan 2 was being applied. This totals the {$170.00}. I do n't understand the difference. There is something very wrong here with the online information ( not up to date, incorrect, misleading, etc ) or the rep was just trying to please me to get off the phone. I just do not understand. Are my funds going elsewhere and why the year XXXX? I would be XXXX years old when it is paid. I even asked the rep to tell me when this debt was going to be paid off. She said somewhere inbetween 7-8 years which matches the {$210.00} for a 7 year auto loan. I still do not understand why my account is so far off and I do not believe my money has been totally applied to my student loans. Again, there is something awry here and it is illegal as far as I am concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Equifax dispute letter by certified mail. In this dispute I requested for Equifax to remove erroneous inaccurate addresses from my Personal Identification records. As a result Equifax deleted on XX/XX/XXXX The following addresses : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. 

As of XX/XX/XXXX Equifax has placed these inaccurate addresses back onto my credit report.