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

Writing in regards to Zelle issues with handling disputes. Had many times where dispute being a frequent user of Zelle, Ive dealt with discrepancies where my money would go to the wrong account or sent and informed it would be impossible to recover the missing funds. They neglected to protect me and multiple other consumers Im sure have been through the same. Also allowing for others to utilize and scam the system offering zero consumer protection.
Product: Credit card

Every time ( at least XXXX instances ) that I try to log into my Barclays XXXX XXXX XXXX account on-line over the last 3 months, I have had to waste XXXX minutes re-setting my password just to access my on-line credit card account AT ALL!!! I know I am typing the correct password EACH time since I save it onto a master XXXX spreadsheet. This is BLATANT, UNETHICAL, and FRAUDULENT retalliation for my filing a small claims court lawsuit about 7 months ago against Barclays, on which they paid my FULL demand to settle out of court. 

XXXX XXXX XX/XX/24
Product: Checking or savings account

On XX/XX/2018 I was admit it in to a hospital for an XXXX for a a XXXX in my XXXX. Upon being discharged the next day XX/XX/XXXX check my account balance I saw that it was negative I called the bank before I was discharged find out what was going on and at that time I found out that a claim had been filed against me from another Chase Bank customer and I'm also a Chase Bank customer that I had forged acheck of this customer and had deposited into my account I had mentioned to them that they have not notify me of any actions or claims that were filed against me since I was being discharged from the hospital I called them when I got home. Once I called when I got home I explain to them again why was I not notified of this and they explain to me that the action was already taken and that my only recourse would be to take the person to court after talking to two or three people I let them know that I had documentation that this person was a past tax client and that I had documentation showing that we had communicated via email and that she also sign a power of attorney for me to represent her in front of the IRS after the check was deposited also that I had tax returns that I prepared for her. I was told to fax any documentation that I had to chase bank I went to my local branch in XXXX California and had them fax documentation to the claims department. Once the banker at Chase looked at the documentation that I was sending and when she reviewed the case she also wonder why Chase took this action. This was on XX/XX/XXXX I sent them documentation showing the email communication and the tax documents in order to prepare her tax returns also I included the power of attorney that she signed for IRS for me to represent her and communication between me and IRS revenue officer that was handling her case. They told me it would be 3 to 5 days before they would come to a resolution which that did not happen. so on XX/XX/XXXX I sent them additional documentation showing the three years tax returns that I have prepared for her and the power attorney again that she signed for me to represent her in front of the IRS this again was faxed through the Chase Bank in XXXX California. Again they told me it would be 3 to 5 days to come to a resolution so on Monday XX/XX/XXXX I called the check and it would still under investigation and I called again on XX/XX/XXXX and is still under investigation. I fax them a letter on XX/XX/XXXX letting them know that this is causing a hardship and that I have received a 3-day notice from my management company where I'm leasing my apartment and in the letter I told them that they need to come to a resolution by XX/XX/XXXX or that I would be evicted as I mentioned before is still under investigation. My account # with chase isXXXX my debit card # is XXXX. The person in question is XXXX XXXX XXXX she used the sreen name XXXX XXXX on XXXX that's how she contacted me did'nt know her real name was XXXX XXXX until we meet in person. 

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

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand why? Please help me out. 


-US DEPT ED XXXX XXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX -DP OF EDUC XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2014 through XX/XX/2014, XXXXt is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX.
Product: Bank account or service

i have a visa debt card by wells fargo it was charged by clever bridge for panda sucurity.this is a new card i didnt give this new card number to no merchant to renew any product but yet they charged my account why? i gave no perrmission nor my card number so are you me? to give out my number and charge when you want?
Product: Checking or savings account

I had two unauthorized XXXX transactions that were made through my PNC bank app. When I tried to dispute and escalate the claim I was marked as a scammer by XXXX and my account is now banned and the case is closed. No evidence of me being a scammer was presented. They Just asked a bunch of questions about how I might be compromised. I repeatedly said I do not know how it happened. They then put me on hold and when they came back they told me Im banned from XXXX and denied the claim instead of helping me with my issue. I was told I can not speak to anyone else about the matter at either XXXX or PNC and was hung up on.
Product: Credit reporting or other personal consumer reports

Despite ample evidence of violations presented, Experian has opted not to remove the debt, despite no changes being made to the report. Experian Violations : XXXX. Failure to Provide Comprehensive Verification ( Code : XXXX ) : Experian neglected to conduct a reasonable reinvestigation within the mandated timeframe, as demonstrated by insufficient documentation from XXXX XXXX XXXX. This breaches FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, Field 76. 2. Delay in Responding ( Code : XXXX ) : Experian failed to respond within a reasonable period despite receipt of my letter dated XX/XX/2024, thereby violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, Field XXXX. XXXX XXXX XXXX Violations : XXXX. Failure to Provide Comprehensive Verification ( Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  documentation inadequately links the debt to me, contravening FCRA Section 611 ( a ) ( 1 ) ( B ) and the Metro 2 standard, Field XXXX. XXXX. Neglecting to Address Dispute ( Code : XXXX XXXX XXXX XXXX XXXX XXXX failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard. 3. Shifting Burden of Proof to Consumer ( Code : XXXX XXXX XXXX XXXX XXXX Credit wrongly shifted the burden of proof to me, violating FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart.
Product: Credit reporting or other personal consumer reports

Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am not aware of this debt of {$1100.00} nor did I sign an agreement with the company above. 

Show me my signed agreement if not remove from my credit report.
Product: Debt collection

On or about XXXX, CACH LLC by and through their attorneys XXXX XXXX XXXX XXXX XXXX, served or caused to be served on this honorable consumer and his employer a writ of garnishment in connection to a judgment CACH LLC obtained in the XXXX A district court of XXXX on or about XX/XX/2012. 

CACH LLC was without an assignment of the alleged debt in the trial court action. That deficiency was overlooked by the trial court judge. 

CACH LLC is not now, nor have they ever been licensed to collect debts in the state of XXXX. 

This consumer has ordered verification of CACH LLCs unlicensed status with the state of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report this information, ensuring my credit report no longer contains any fraudulent details. 

Several times, I have called the credit bureau reporting these fraudulent accounts in my report, but the CREDIT BUREAU has not provided a solution to this problem. I am being severely affected, as it prevents me from acquiring a new house for my children. These collections were eliminated and not verified by other bureaus, and I do not understand how they continue to claim that these accounts are mine. 

I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me by immediately deleting these accounts. Here, I include the FTC report, hoping that you make a better decision in my situation. Thank you.
Product: Credit card or prepaid card

to whom it may concern, I booked flights with XXXX XXXX and when we got to the airport for our departure and already had our bags paid for. 
One of the XXXX XXXX employees pulled us out of line to use the XXXX to try and help us expedite the process of getting our boarding pass. 
Long story short, the flight was about to leave and I just paid for two bags in the total amount of {$190.00} ( additional ) and the XXXX company refuses to let me mail in proof or email proof. They say they do not have an email address for me to send this to. 
They stole XXXX from me and my family and we are trying to recover from this hurricane. 

they also make it impossible to log in to check balances but the second a payment is due, they have all the means available to notify me from the mountain tops that my card is due. 

this is a predatory tactic in my opinion and this company has taken advantage of us for too long. 

sincerely
Product: Credit reporting or other personal consumer reports

Disputed inaccurate charges on credit report from Pro Collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file is listed on my credit report XXXXXXXX XXXX  XXXX XXXX Balance : {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

Hi, Assignment of Mortgage filed on our XXXX XXXX Records of Deeds XXXX, without a Power of Attorney, making document Illegal, need Power of Attorney authorizing Assignment of Mortgage, XXXX had no POA, to do anything on our mortgage after XXXX.
Product: Vehicle loan or lease

Hello, I purchased an auto through Santander Consumer USA in XXXX. I put down {$8000.00} and made regular on-time payments until it was paid in full this year, in XXXX. My husband was joint with me on the account. Santander reported our good payment history accurately for 5.5 years. One day the account was just missing from our reports. Initially I called the credit bureaus, they told me it was " In the background '' and all Santander Consumer USA had to do was give them a call, and have them " re-insert '' the information. I have called in and spoke to Santander Consumer USA at least 4 times. One time the representative laughed at me and told me they were not going to report. I sent at least 3 certified letters to them including copies of each my payment history, my statement showing a XXXX balance, as well as my credit report showing it missing, along with requests to report accurately. They refuse to correct the situation! Or even respond to my last letter, that included the credit report, that they told me to provide! NOW I am concerned my credit report information will be used inappropriately by one of their employees, given the unprofessional treatment they have shown me so far. I am at my witt 's end with them. It was a high interest loan, and I feel very taken advantage of by this company!! I believe Santander Consumer USA is violating the Fair Credit Reporting Act, and should have to pay the fine for doing so, as well as damages to my husband and I.
Product: Mortgage

We called the mortgage company and told them we were interested in a modification. At that time we had a scheduled sale date of XXXX XXXX, XXXX, which would have been in about XXXX days. They explained to us that they can not start a modification process, with a sale date that close, and said WE HAD TO SEND IN AN APPLICATION XXXX DAYS BEFORE NEXT SALE DATE. We went to the XXXX office and paid for XXXX adjournments ( XXXX days XXXX which pushed our new sale date to XXXX XXXX. 

We submitted the application on XXXX XXXX, XXXX, which is actually XXXX days before sale date, which falls WITHIN THEIR GUIDELINE. When we called for a status on the modification, we were told that they can not process because they had to get ALL DOCUMENTS in within the XXXX days. PLEASE NOTE, THIS IS NOT WHAT WE WERE TOLD. WE WERE TOLD TO SEND IN THE APPLICATION START THE PROCESS XXXX DAYS OUT, CAUSE IT TAKES XXXX DAYS TO PROCESS!!! How were we to know every single document they would request subsequent to starting the process? We went on their website, printed and signed the application, and sent in with the supporting documents. 

Now they are refusing to process our application, even though we did EVERYTHING they asked us to do, in the time they asked us to do it! 

IF THE BANK REP GAVE THE WRONG INFORMATION TO US, WHY IS THAT OUR FAULT??
Product: Credit card or prepaid card

On XX/XX/XXXX around XXXX, I made an online payment on the Bank of America website for my credit card bill of {$7700.00}. On XX/XX/XXXX I went to the BOA website to check if the payment had been processed, as it was due that day. As of XXXX XXXX  there were no pending payments, so I checked my bank and the amount had not been withdrawn. 

I called BOA and spoke to a representative who confirmed that there were no payments pending. I asked her to double check because last year, I had a similar problem where there was no posting on the website so I made the payment twice thinking the first transaction did not go through. After waiting for a few minutes while she consulted another department, she said there weren't any payments pending. Therefore I gave authorization over the phone to withdraw the amount to avoid penalty. I thought the matter would be finished. 

Yesterday when I checked my bank account, I found that two withdrawals from BOA for {$7700.00} were made on XX/XX/20. Immediately I called BOA and informed them of the mistake and asked to return the money that day. They agreed to refund the {$7700.00} but they told me it normally takes 2-5 business days, however up to 10 days. 

This money should be refunded to me IMMEDIATELY. To wait this amount of time for a " refund '' is unacceptable. Because of such a large amount of money was taken out of my account, it was in deficit. This is causing me financial and emotional distress. I need that money to be returned now so I can pay the rest of my bills for this month. 

There is a serious problem with BOA online bill pay and a lack of accountability for this mistake. As I mentioned this is the second time that this has happened. I had specifically asked the representative to double check that no transactions were pending. I spoke with 2 managers and neither could offer any assistance.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an alert from XXXX XXXX that my credit score had dropped because of a missed payment. As soon as I saw it was Bank of America and the amount I immediately paid the bill in full from my bank account website. On XX/XX/XXXX I received another alert from XXXX XXXX about a missed payment, it was a {$3.00} interest charge. I immediately paid the {$3.00} fee. On XX/XX/XXXX I called Bank of America to find out that my account has been closed due to non payment. This caused my credit rating to fall from XXXX to XXXX. I was advised that I was on a paperless plan that I did not agree to and they were unable to send bills to my email address on file for an unknown reason. We verbally verified the email address and it was correct. I spoke to XXXX XXXX and he filed a Credit Dispute Form. 

I have not had any contact from Bank of America regarding this account balance or missing payment. I have received paper statements in the past and I have received many emails regarding credit increases, new cards etc. but I have not received any billing statement. Until this incident I have not had any late or missing payments.
Product: Credit card or prepaid card

Valley National Bank today notified me that my credit card had been compromised. I allege that the credit cards of other customers were hacked as well and that this bank is being coy!
Product: Debt collection

The company called me at work asking for resolution. Obviously I am not in a position to do so or I would not be in collections. I explained my circumstances and today see they had attached additional fees. I cant help anyone in my debt situation unless they are willing to work with me. My husband passed unexpectedly and I am inundated, Im doing my best, would they rather I filed bankruptcy and no one gets anything?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. 

I have late payments for multiple months on my Equifax, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to close my account and pay it off. 

Please assist me with updating my account so that it may include on-time payments.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you. Upon reviewing my consumer credit report, I uncovered a significant breach of FCRA 15 U.S.C. 1681i ( 6 ) regarding the reinvestigation process. Your agency failed to provide the mandated written notice of reinvestigation results within the stipulated 5-day period, infringing upon my rights. As a result, I demand the immediate removal of the following items from my consumer report as per 15 U.S. Code 1681i ( 6 ). It has exceeded the 45-day limit since the completion of the reinvestigation, warranting this corrective action.
Product: Credit card

Recently, my outstanding balance was {$10000.00}. In the past week, I made two payments totaling $ XXXX, {$400.00} and $ XXXX lowered my balance to {$7400.00}. However, I received a notification only three hours after processing the {$3000.00} payment, indicating that my credit limit would be reduced to {$7700.00}. As a result, my credit utilization surged from 77.5 % to 96 %, which poses a significant risk to my credit score. This situation gives the impression that I have maxed out my credit card, which is concerning since I have always maintained timely payments, with no late or missed payments reflected on my credit report.

Over the past two years, my wife and I have utilized our credit cards more frequently for various purchases and expenses. We intentionally chose to defer withdrawals from our retirement account until this month to prioritize paying down our credit card debt, ensuring that our 2024 income remains below a threshold that could increase our tax liability.

I have actively worked to reduce my debt, paying down a total of {$20000.00} across all accounts this week. Despite my efforts, my primary concern remains the apparent maxed-out status of my credit card on my credit reports, which jeopardizes my credit rating. 

Today, I made an additional payment of {$300.00} to decrease my debt relative to my credit limit. While this did reduce my balance, it did not increase my available credit, which currently stands at {$270.00}, seemingly frozen. 

In closing, I struggle to understand how such practices can occur without any indication of adverse behavior on my part. Aren't credit companies bound to ethical practices? 

Thank you for your attention to this matter. I would appreciate any guidance or assistance you can provide. 


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