23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a problem with unauthorized transactions or skimming from my account. This has occurred on various occasions especially when I am out of town on vacation. In XXXX, when I went to XXXX, I added about {$2500.00} to my account while in XXXX as my account was low. Within a day or so, the money was depleted and my phone was lost twice, the second time unrecovered. I filed a report with the casino I was staying with concerning the lost/stolen phone and missing funds. The same thing occurred upon a trip to XXXX ; due to low funds, I added {$400.00} to my account yet the balance remained low not due to any purchases on my part. I booked the hotel through XXXX at a rate of {$470.00} for the weekend. The hotel charged {$570.00} and when I went to XXXX, it appears that they charged {$570.00} also. Recently, I lost my phone again at a local grocery store and when it was recovered at the store, several unauthorized transactions were discovered and a legitimate charge was bounced from my account with a {$35.00} fee. When I went to my mobile account, I discovered other charges which were not listed previously when I reviewed my account and my mobile account would not permit me to see antecedent charges to reconcile my account. In prior years, I have surmised monies missing from my account in the amount of {$15000.00}. I know I had not requisitioned the amount from my XXXX as I had just commenced social security payments. I went to the Banking Commissioner and filed a complaint, to the police department, my accountant and the bank -- to no avail. I received printouts on my account at the bank on each occasion and was not able to ascertain where the money went. Thus, I believe that skimming has been occurring in my account in the past, but more abundantly this year. It has caused stress. missed bill payments, overdrafts with fees and the lack of enjoyment of vacations -- especially in XXXX where we enjoyed no high end restaurants, shopping or shows and very little gambling went on after the first night because the funds were missing. Hopefully, your agency can assist in this matter as if it occurs in my account to the extent which it has. larger accounts may suffer massively if they are not as attentive to their account as I am. Thank you in advance for your assistance.
Product: Debt collection

Hello, The following is a continuation of complaint # XXXX. In XXXX XXXX and American Express ' response they noted that I called in and represented myself as my father ( customer ). I clearly remember identifying myself as XXXX,   and never once stated that this was my loan. In an effort to address this matter, I suggest XXXX XXXX, American Express, CFPB and myself have a conference and listen to the call. In addition, the company also took my cell number during the call and used it for follow up contacts without my permission and without a miranda indicating it was okay to do so. Not only has American Express had a formal Do Not Call on file for my number, but the document clearly states that I am not the customer. When XXXX XXXX called back on XX/XX/XXXX they advised that it was an attempt to collect a debt, and I clearly identified myself as the customer 's son. The agent did not go any further, but did ask if I had a valid contact number for my father. I gave them my mother 's number and the call ended. Again, I didn't tell them not to call because American Express had already had one for file for months if not years. When XXXX XXXX  called back again on XX/XX/XXXXand again advised that it was an attempt to collect a debt, again I clearly identified myself as the customer 's son and informed them that I already gave them a contact number. Here the agent advised that she knew, but that the one I provided was also highlighted as a Do Not Call number. The statement definitely stuck out because not only was she attempting to collect from someone she knew was not the customer, but since the agent was unable to contact the customer they started contacting known family members for payments. Lastly, when I did call back in on XX/XX/XXXX, the assisting agent refused to indicated whether or not my number had been removed from their call list. They would not validate the information so I asked to speak to a manager and they refused. Only after noting that refusing to allow me to speak to one is in fact a violation did they decide to get me to a manager. At that time I confirmed that my number had still not been removed from their system. The manager informed me that they would do so, and I believe that they have.
Product: Mortgage

I would like to be refunded my {$480.00}. I filed a complaint due to negligence on this company before that their staff didnt move forward with a home loan, they pushed off Closing on a home several times with no legit reason. In XXXX XXXX, I was assured by the CEO that his Sales team had spoken with the listing agent and seller and everyone was on board about selling the home to me and that the lending team would be right on it to Close on the home. Sadly, another broken promise, I happen to be surfing the web XXXX XXXX/XXXX/XXXX & notice that the house was up For Sale. Very disturbing I reached out to the VP of Loan Sales and Loan Processor to inquire. The VP of Loan Sales said that he wasnt aware, & that I needed to reach out to the Realtor. Ironically, VP of Loan Sales XXXX mention to me that neither the Listing Agent, Seller, nor Realtor agreed to selling the home to me, even though for the past 20 days he and his Loan Processor have been requesting documents from me going back & forth of information they needed from me. XXXX XXXX, XXXX I emailed him to inquire if there was anything else needed for t set a Closing date XXXX. Loan Processor mention that when she return XXXX she get all my paperwork that I sent to her ( per her request ) on XXXX she would review when she returns from being away from the office. Just as a note, in the event they may say, that there is miscommunication between CEO and VP of Loan Sales, not true. I was informed that VP would be handling in place of the previous staff, to assist me in getting this carried out. The VP of Loan Sales emailed me XXXX that the seller nor the realtor didnt agree to re-write up the contract to sell the home to me. I find very strange why would they have me go through all of this in the first place then. I received word that the house was under contract with someone else XXXX by another realtor, and another listing agent. I was thoroughly misled. Truly bad business. This has been ongoing for some 7 months, I just would appreciate, since the last resolution per the company was to sell the home didnt come to pass, that refund is in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. 

ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XX/XX/XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. 

consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.
Product: Credit card

On XX/XX/XXXX, a {$700.00} payment was submitted, mistaken with a wrong checking account. It was charged on XX/XX/XXXX. 

Right away, and in the grace period, the {$700.00} payment was made on XX/XX/XXXX with the right checking account. With the first agent spoken to, it was asked why would it be retried if the payment was already paid with the right account. He/she said the re-processing can't be stopped until the payment goes through, when it already was ... and that if in the reprocessing the payment was charged, a refund would be place. However, because of the " AMEX Policy '', they re-processed twice using the wrong account in XX/XX/XXXX and XX/XX/XXXX. 

When speaking to the second agent about the issue, he shared the policy that said : " if your payment has been returned unpaid by your financial institution, we may charge a returned payment fee and any applicable late fees based on the terms and conditions of your Cardmember Agreement. We may resubmit payments returned for insufficient or uncollected funds up to two additional times, unless your financial institution has specified the payment request can not be re-presented ''. Also my card has a warning sign even the payment was made. 

First of all, the word " may '' does imply that the automatic re-processing can be stopped. And second, a payment was placed right away when noticing the mistake. 

This practice AMEX has its bad faith and extremely harmful for the consumer, a responsible consumer. This practice should be added to the Credit Card Accountability Responsibility and Disclosure Act.
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 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 is impossible and the tracking of these lost funds is 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.The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$10000.00} Account Status : Closed Payment Status : Charge-off Account Name : U S DEPT OF EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$3300.00} Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Opened : XX/XX/XXXX Account Balance : {$520.00} Account Status : -- Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Product: Credit reporting

I brought up several issues about someone stealing my identity in my prior complaint and we are now on day 35 and nothing was done regarding the original case number. They generically replied " We believe the inquiries are factual '' without actually looking into them. 
Other credit bureaus, such as XXXX and XXXX, have addressed some of the issues I brought up. Experian simply ignored my request to investigate or remove the unauthorized, fraudulent inquiries from my account. This is severely affecting my ability to apply for credit and get approved or get a decent interest rate despite my flawless payment history. 
I also tried to follow through via phone call to Experian Customer Service earlier this month on two separate occasions. To their credit, XXXX inquiries were removed almost immediately. However, they have still not removed the other ones that were unauthorized. They have only told them XXXX company responded ( XXXX XXXX XXXX, where I was originally alerted the fraud of all cases! ) and said they would not remove the inquiry. They stated the rest are still pending, but it has been over 7 weeks since I brought up my original complaint! This should have been properly resolved at the latest over a week ago under the 30 day response period. 
I am attaching images of XXXX of the checks that the XXXX XXXX XXXX checking account fraud department addressed. It seems that no one in the credit card department actually did anything and that they do not talk to the checking account fraud department. I also have voicemails on my cell phone with people trying to scam me telling me what my social security number and address is and trying to get me to pay a non-existent debt via XXXX XXXX or I will be arrested at work.
Product: Credit reporting or other personal consumer reports

This is a complaint against XXXX XXXX XXXX My problem started when I purchased a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting in XX/XX/XXXX. I don't know at what point someone used my name to open accounts at different banking entities, they also opened accounts with XXXX XXXX without my consent. I contacted XXXX XXXX XXXX about this loan fraudulently and repeatedly called the XXXX XXXX fraud department/ but they did not give me any information about the account. They say they do not have any information because the account was closed and they gave me the phone number for the XXXX XXXX collections department. When I called that number l asked them if they had any type of document signed by me XXXX XXXX that confirmed my identity or if they could verify any information about my ID that I might have on my profile. I also asked what the name and address was on the ID. where the card was used or if they could confirm which bank the loan money was transferred to and the name of the bank account. They also stole my identity and underwent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please, these criminals took my identity and destroyed it in the banking institutions. My family and I worked very hard to get out. This horrible dream began when I bought an investment house. Please help me. 

XXXX XXXX is trying to link the credit account to my actual address. The address link to the fraudulent account is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I contacted XXXX XXXX in the past and they did not have any proof or document of a credit account opened with my real address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I also contacted with XXXX XXXX and they also do not have any document or proof that it was me who opened a line of credit. They only had the record that l opened a bank account with them. They could not provide any proof of my identity to confirm that it was me who opened a credit card. 
I'm requesting these fraudulent accounts to be removed from my credit report. I'm attaching my apartment contract with my address since XXXX and my utility bill with the same address.
Product: Credit card or prepaid card

I bought a couch on XXXX/XXXX/XXXX from XXXX 'XXXX. They advertise and tell you that you have 24 months 0 % financing. When I received my statement the plan expires XXXX/XXXX/XXXX. This is 1 year 11 months of financing. I complained directly to XXXX 'XXXX  by calling XXXX XXXX at XXXX. Someone called me back on XXXX/XXXX/XXXX from the number XXXX. He kept telling me the time starts the day you buy the item. Basically the gentlemen tried to explain it and I said that is not 24 months financing that is 23 months financing. 

They do not charge you interest if you buy something on the retail account and then you pay it off when you received your statement. But they start the promotional account from the day you purchase the item. 

I have several other cards and not one calculates the free financing in this manner. 

They either have to quit advertising 12 months free financing or advertise that it is 11 months free financing. 

They also advertise that anything over XXXX is free advertising. However, if you buy anything on their website they do not offer free financing at all. This is extremely confusing to the consumer and is not right.
Product: Mortgage

I started the home ownership process with NACA in XXXX of XXXX, On XX/XX/XXXX, I met with a mortgage consultant by the name of XXXX XXXX to discuss the next steps to me becoming a home owner. On this date we also talked about the fact that I was separated from my husband. I was told that there were ways to get around this. On XX/XX/XXXX, I received an email form XXXX XXXX that directed me to a Law Firm about a Free Trader Agreement. I was able to have my estranged husband sign the document, have it notori it notarized, and gave the document to NACA for upload into my file in XXXX. In XXXX, when all of my information went to the Underwriter, I was told that I was " Not Qualified '' due to conditions. Two of the three conditions had to do with my estranged husbands income that they were requesting, and also documentation as to whether he owned property. The third condition was regarding my student loan and what amount that I would pay. Please keep in mind that we are all still in deferment at this time. I paid {$20.00} to have the document notarized as will as {$310.00} to the Law firm for this document that apparently did not mean anything. I would like my money back. I have reached out to XXXX  XXXX ( who I am told is the supervisor for XXXX XXXX ). He has not responded to my email from XX/XX/2023 as of yet. Please, can you help me?
Product: Money transfer, virtual currency, or money service

XXXX XXXX / Zelle Transfer of {$1500.00} was sent to the wrong phone number for rent payment. 

ZELE CASE NUMBER : Zelle Case : XXXX WRONG # : XXXX ) XXXX CORRECT # : XXXX ) XXXX We contacted XXXX bank the same day when error was realized. They open a " attempt to recover '' claim due to customer error. 

We also contracted ; XXXX XXXX at phone number : XXXX ) XXXX He informed us that he contacted his bank ( XXXX XXXX ) and informed them of the error and requested they send the money back to me. I have been in contract with the branch manager at XXXX XXXX at the below address. This is the location the receiver of our funds also went in regarding the issue. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX withdrawn the funds from the receivers account and has refused to give me any updates to date XXXX XXXX informed me that XXXX XXXX closed their attempt to recover because XXXX XXXX declined their attempt. They will no open another attempt to recover claim. 

XXXX XXXX provided me with a case number : CASE NUMBER : XXXX and their Faud Departments phone # : XXXX ) XXXX As of today XXXX XXXX XXXX will not provide me with any information. They have declined providing me with proof of my funds being sent back to us and will not provide us with any resolution. We are currently facing an eviction due to us not having those funds to pay our rent in over 30 days. My boyfriend is out of work due to the COVID-19 pandemic. and we are struggling to survive due to this issue. We beg someone help us. XXXX XXXX will not provide us with our money back even when they took it from the receiver.
Product: Credit card or prepaid card

Old Navy visa Credit card company did not give sufficient turn around time from when Bill received to when it could be paid via mail. Resulting in unnecessary interest and fees charged. Bills are sent with only 2 weeks notice before due date and fees applied. Due to mail delays on both sides, was no efficient time for anyone to stop fees from being accrued- therefore is a scam. Although this consumer called and advocated for fees to be removed - not every consumer has the skills to fight or be aware of this fraudulent practice. The company needs to at least be required to have Bill arrive at customers address at least 30 days before due date in order to give customer ample time to respond without fee accrual.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their resolution dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the electric funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband had me listed as a secondary user on his credit card with USAA. I did not give permission to be added to this card. He maxed out the card and did not pay it for several years. In our divorce the court awarded the USAA debt to my ex husband and he was made responsible to pay. But the lack of payments were reported as severe and have negatively affected my credit even though I had no knowledge or consent to be added to the card. USAA has refused to remove my name as a secondary user even though my ex husband has agree to pay the debt. He had my name associated with several other credit cards and I was able to resolve the debts with them but not with USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681.

I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership Due to this inaccurate accounts my life as been impossible with trying to get a home and vehicle and need to be treated fairly and remove the information that should have never been on my report in the first place Equifax is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given Equifax written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Equifax is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given Equifax written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Delaware XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- Account Number XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Delaware XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX