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

I am writing formally express my concerns regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit Highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety and I'm really worried for mine.
Product: Credit reporting or other personal consumer reports

I contacted Experian via mail requesting that they research a tremendous error in my credit score reporting. XX/XX/2023 my credit score was XXXX ( reference Experian report XXXX XXXXXXXX ) and as of XX/XX/2023 my credit score dropped to XXXX which is a decrease of almost XXXX points. I have not applied for any new credit, my amount of debit is still the same, there are no late payments or collections. My credit activities have been consistent over the last few years.

I'm requesting research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately.
Product: Student loan

They offer me to erase the loan because was paid in the court because the XXXX XXXX XXXX XXXX was paid the loans of students because they have a lawsuit and theyre erasing the loan for the student I received the offers to remove that loan but was not removed theyre taking the loan in other federal account loans please remove that loan they offer me that
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$96.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2.00}, XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card

On XXXX Avant Credit Card took {$200.00} from my bank card without my authorization. I never authorized any amount to be taken my due date was supposed to be XXXX So they took money without authorization, Essentially stole from me without notifying me in any way. I made 3 payments in good faith on XX/XX/XXXX ( {$200.00} ) XX/XX/XXXX ( {$200.00} ) XXXX ( {$200.00} ) which were authorized so I can get my balance down below limit. I had XXXX last XX/XX/XXXX. I called them and they stated they are sorry but the payment is pending so basically they committed fraud, took it upon themselves to process a payment not authorized by me. The customer service person said they are sorry but dont have an explanation. 
I agreed to pay off balance as soon as I can but ( I ) stated I would send in payment no one is tonsteal from me. This is fraud through and through!
Product: Debt collection

Around XXXX XXXX I contacted Navy Federal Credit Union for a loan for a dump truck. I was asked to issue a bill of sale in order for the bank to review the value of the truck and determine loan amount. The bank came back after credit checks and I assumed VIN check and approved a loan of {$33000.00}. We accepted and signed agreeing to the loan under XXXX XXXX XXXX. 

Upon Arrival in Mississippi to pick up the truck, we realized after being there for a few days that the sale was a scam and that XXXX XXXX XXXX was in the business of scamming people. We immediately tried to contact the bank but XXXX XXXX was out and no one else seemed to be able to assist me with the issue. I sent numerous texts and emails and made phone calls and no one tried to assist. When XXXX returned I explained in detail what I found out from the BBB, XXXX XXXX, and various other websites that the owner XXXX scammed many other people the same way. XXXX tried to help and we continued to make payment on the truck until XXXX XXXX. I made numerous calls to the bank and was told rudely by one woman in the business collections department that it was n't there problem. After a few more calls someone from the business department called and asked me to tell what happened so they can best help me. I was told that the loan should n't have been issued in the first place and that no one actually did a vin check to see the value of the vehicle. Upon doing a Vin check they found out that the truck was only valued {$1500.00} and that it would n't be worth them repossessing the vehicle. I was told I would be contacted about the next course of action. 

I started getting letters from the bank saying they will need to take further steps if the account was not brought up to date. I called the bank and told them I could not afford to make the monthly payment as the truck was not in our possession and that is what we would have used to make the payments. I was told that the collections process would have to run it 's due course and I would be contacted by their lawyers. 

I received a letter from Attorney XXXX XXXX approximately XXXX XXXX to call about the loan or they will assume the loan is mine. I tried calling the number on the letter and no one picked up. I sent the letter back explaining that I contacted the bank and that the whole deal was a scam. I never heard back from the lawyer 's office. 

On XXXX XXXX, XXXX I received a letter thanking me for a payment I did n't make. I rushed to the bank only to find out the cleaned out all the money from my personal accounts without my knowledge even though I was told the dump truck was the collateral for the loan. 

This really put me and my family in great distress to the point that I could n't go to work. I try really hard to keep my credit profile clean.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account is currently showing 180 days delinquent/past due on XXXX and XXXX, which is dropping my score tremendously. I'm unable to apply for needed loans or credit cards which has impacted my finances. I was in covid forbearance for 6 months, and I was current on my payments when I went into it. Under the CARES Act, my account should've been kept current. 

I have been trying to dispute this with the credit companies for 3 months. When I reached out months ago to the mortgage company they said someone from the credit department would get in contact with me and they never did. I also emailed about this issue on XX/XX/2022 with no follow-up.
Product: Checking or savings account

XXXX ( XXXX  ) i received my first paycheck from my new employer. I used the bank of america app to deposit the check. It says on the app confirmation that it will post next business day. But then after i got home from work, i saw the email confirmation says next business day then XX/XX/XXXX under it. Which is obviously not next business day. 

I called the next day ( XXXX  ) on their client support to get clarification about the release date, and they said XX/XX/XXXX. I asked why, and the person said it is my first transaction on the account. She said she will escalate and i will get my money XX/XX/XXXX, instead of the XXXX. 

I reviewed my account and realized i have prior transactions on the very same account including a check deposit last XX/XX/2023. Which means the last person i talked to was lying. So i called again ( XXXX  ) and the person i was talking too is now saying that they put on hold randomly. That is now a different information. Then i asked for a valid document that they can get me that says they are authorized to put a XXXX business day hold on my salary whenever they want to with no reason, but they can not provide me with any. 


I sent a complaint to XXXX, and bank of america contacted me XX/XX/XXXX ( tuesday ) asking me to wait XXXX days for a resolution. She called me today XX/XX/XXXX ( wednesday ) letting me know that she can not help me. She told me all checks needs to be signed at the back, and none of my checks were signed even on my previous transaction so they kept on putting hold on my deposits. 

First thing is they never informed me about that thing that i was missing. The first time that i did it wrong, they put a hold of my money, but they wouldnt tell me that signature affects my transactions. Then when i asked if it is the only reason why my checks are depalyex, she said there are a lot of reasons she couldnt tell. So still, they are outting hold on my money and they wouldnt tell why. 


She kept on educating me what to do but not willing to resolve my issue. 

I did the deposit with enough time for it to deposit considering i really really need the money to oay for my insurance and car. Today, my insurance policy was cancelled because they are putting hold on my money. Very inconvenient and they couldnt explain me why. 


Id like to file a formal complaint because they are not willing to help me, but just save their XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are showing the XXXX partial account number XXXX in Charge-off status for the balance amount of {$2400.00}. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I never opened it and am not sure why this account is reporting on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, my wife made two small purchases at our local library of {$1.00} and {$9.00} respectively using our Bank of America credit card. In reviewing our account statement with B of A, I was shocked to see two separate {$10.00} charges from the credit card company. 

I am a long time customer with an over 800 credit score and was well below our credit limit. I've never been past due nor have I ever been charged such a fee before. 

I decided to call the company to see if this was a mistake. After waiting on hold for over 40 minutes, I was told these were valid charges and therefore would not be reversed. When I asked why they were valid, they claimed it was because the charges were made as " cash equivalents ''. There was nothing different about our transaction from any other as they were processed using a normal credit card merchant device at the library. 

I subsequently asked to speak with a supervisor to see if the fees could be reversed due to my long time customer status. I was greeted by " XXXX '' who not only was smug and disrespectful, but also was lectured on why the charges were " valid and reasonable '', and was then told a story about bailing his brother out of jail and being surprised by the charges he incurred for such a transaction. Finally, he reiterated the charges would not be reversed. When I asked if they really wanted to lose a customer of nearly 15 years over {$20.00} in charges, he simply stated he could not do anything further. 

I subsequently reached out to BofA using their XXXX XXXX account. During my chat conversation I was told that because a decision had already been made to not reverse the charges that there was nothing they could do. 

I would like to place a UDAAP complaint against Bank of America for deceptively charging {$20.00} in fees for less than {$12.00} in total charges. This would equate to a 2000 % APR, not even considering standard interest charges which could be incurred. I made every attempt to have them make it right with me and they refused.
Product: Credit reporting or other personal consumer reports

The Consumer credit Reporting Companies changed their policies after the 90s Student loan crisis & after the Recession to assist those affected and as a result are committing Mass Class Action DISCRIMINATION to a huge group of consumers! ( XXXX  citizens, to point out one of the groups ). They decided to only give people " partial reporting ''.. ( to hide student loan bankruptcies ).. but for seniors they're now failing to report XXXX of their purchasing years. They are inaccurately & discriminatorily & dishonestly hiding 85 % of their HARD EARNED Most Impacted years of credit.. such as home purchases, boat & vehicle purchases. I financed two homes, a boat & multiple vehicles and yet my credit report says they have nothing to report. This is so criminal & dishonest! Shafting some people so that the XXXX yr olds can hide their student loan bankruptcies. It is your stupidity because there are numerous other solutions that would work for everyone.
Product: Mortgage

This is our second complaint. Nationstar Mortgage promised on  XXXX   XXXX  to expedite our refund - the woman on the phone told us they were sending the refund TO US. Now, they say they 're sending it to the new mortgage holder with whom we have no relationship at this time. This is entirely unacceptable and is theft.
Product: Credit reporting

I received a copy of my credit from Experian on XX/XX/2017. And I do not think they investigating my account situation. # XXXX they are not stating how they are verifying the information. They information they have on file is inaccurate. They can not say they called the company because the company they have list with the phone number is disconnected. I do not feel I am being treated fair. The number listed is XXXX. Along with the information they are sending me. States This item remained unchanged from our processing of your dispute in XX/XX/2017. How is that possible when they clearing sent me a report XX/XX/2017. I really feel they are lying to me with the information they are putting on my credit report. So either they putting false information on my credit report, or putting whatever they feel at that moment. I think that is unfair to me because I been working hard to pay things off what belong to me. I inform them under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. I attach some example of the credit report to show what I referring too.
Product: Checking or savings account

I am writing in regard to ongoing problem Citibank transfers totaling {$16000.00}. 

I have one savings and one checking bank account with Citibank and a checking account with the XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ). On Sunday, XX/XX/2019 I used Citibank 's website to create two transfers from XXXX to Citibank. The first was for {$15000.00} from my XXXX checking account to my Citibank savings account and the second was for {$1000.00} from my XXXX checking account to my Citibank checking account. On Monday XX/XX/2019, a the transfers appeared on my XXXX statement, both as withdraws to " ACH Withdrawal CITIBANK , N.A . ". No corresponding deposits were made to my Citibank accounts during the following days. On Friday XX/XX/2019, I spoke by telephone to account manger XXXX who explained to me my transfers " should '' be complete by XX/XX/XXXX. The same day, account manger XXXX told me Citibank had no record of the transfers being requested. On XX/XX/2019, I contacted XXXX, and asked for the trace numbers for the ACH transfers. I provided these numbers to a Citibank representative who told me they have no record of these transfers. I then requested that XXXX reverse both transfers. I am now waiting to see if Citibank will return these ACH transfers. I am hoping that by contacting you, you can help sort things out in case Citibank disputes the reversals.
Product: Mortgage

We had questions about breakdown the escrow shortage. Was put on hold and transferred several times. All of our questions were not answered. It does not add up. My mortgage has increased XXXX XXXX monthly. This is my third mortgage lender they have sold my mortgage three times in the last year and a half.
Product: Credit card or prepaid card

In XX/XX/XXXX, I had a XXXXe charge of about {$500.00} put on my account with a no-interest payment plan on my CareCredit account. I regularly start and pay off XXXX payment plans and have been familiar with the company and its policies for years. 

I planned for my final payment for the plan to be on the last month of the payment plan ( XX/XX/XXXX ) with the exact remainder paid online through CareCredits website. 

After this payment, assuming the matter was closed, I noticed I still had an amount remaining on the account less than the payment but not {$0.00}. I called to ask what happened. They said that payments are split between multiple plans and an exact payment on an ending payment plan does not guarantee the payment plan will be applied to the expiring plan. 

I was told they would reallocate my payment into the system to pay off the expiring payment plan. 

Now, several months later, I am facing $ XXXX in monthly interest charges. Every agent I talk to now says I did not pay off the balance in a tone that implies I am lying, and they keep explaining the basic policy that if you dont pay off an expired plan, you face interest ( which I already know and explain to them multiple times I paid it off within the payment plan period. )
Product: Vehicle loan or lease

I was taken advantage of by Carmax in XX/XX/XXXX when purchasing a XXXX Infinity XXXX. I stated i would pay {$2000.00} down. I was approved for financing. However, the associates at Carmax steered me to their own company Carmax Autofinancing. Carmax Auto financing used 3rd party reporting agencies information that was misrepresented to use predatory rates and fees associated with my purchase. From there I was led down a path of violations.

1. **15 U.S. Code 1662- Advertising of Down Payment : ** The dealership misrepresented the down payment and fees then adding it to the total sale price, contrary to what was advertised by sales consultant.

2. **15 U.S. Code 1605- Determination of Finance Charge** The finance charges were not accurately disclosed, which is a requirement under this section. Along with the finance charges were not based on accurate information from third party agencies like experian, XXXX, XXXX. 

3. UCCC3.301 ( 1 ) The financing of an automobile by a bank was not a consumer loan transaction where the bank was only the assignee of the automobile sales contract and therefore acted illegally in taking security in addition to the purchased automobile. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( OKLA ) 4. **U.S. Code 1638- Transaction other than Under the Open End Credit Plan** The terms of the transaction were not clearly and accurately disclosed as required by the section 5. NRS104A.2107Waiver or renunciation of claim or right after default.Any claim or right arising out of an alleged default or breach of warranty may be discharged in whole or in part without consideration by a waiver or renunciation in a signed record delivered by the aggrieved party. 


6. UCC 9-625 The credit inquiries violated my rights or caused harm financially harm with information taken from a third party credit agency like XXXX to determine rates, fees, and liabilities. These agencies have misrepresenting my data and your company has been in collusion with agencies to financially abuse the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, LENDING CLUB, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, LENDING CLUB, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Money transfer, virtual currency, or money service

I have a printing company and have been taking payments using PAYPAL for a little over 20 years. The previous time I received a payment we had the same issue we are having now. After 5 months it was finally resolved therefore we figured all was well and decided to continue using PAYPAL. On XX/XX/2023 I took a payment on our website for the sum of {$160.00} and again the same issue has cropped up. PAYPAL not only are withholding the payment but has frozen ANOTHER account I have with them. That separate account currently has {$310.00} in it and is a complete different account and I am unable to access funds from that account as well as my printing company account. The {$310.00} has been in that account for right at a year and has nothing to do with the printing company account. Today is XX/XX/XXXX and I have called and communicated using their online communication for the last month trying to resolve this issue. They ask me for information in order to " resolve '' this issue. I have supplied everything they have requested including 1 ) Photo ID 2 ) Address Verification 3 ) Tax ID 4 ) Bank Account Verification. After a period of no communication I called again and ask the status of my account. They then stated I must have the customer supply basically the SAME INFORMATION. I called him and he stated that PAYPAL has already deducted the money from his account, He then sent a photo of where PAYPAL deducted the money to prove he was being truthful. He stated that he would NOT send them the info because he is concerned about ID fraud. 

Paypal states that I do not have an " account '' number but they go by the email. The TWO accounts involved would be XXXX AND XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims  credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX