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

Money was stolen out of my account on XX/XX/2020 in the amount of {$390.00}. I tried to cash out the funds to my Bank Account and Kept getting an error message that said Account Locked, we detected something unusual. To protect your funds, weve temporary locked your account. 

I log in my cash app and my money was still there, but I got an email that said your debit card and email was unlinked from your account, I logged back into my cash app and noticed that someone replaced my debit card it another card ending in XXXX ( see attachment ) I then tried to link my debit card back and it said card not supported. 

I received several emails ( see attachments ) where someone was trying to log into my account and cash app sent sign-in codes. I immediately changed my email password. I tried reaching out to cash app and kept getting an automated response. On XX/XX/2020 I tried to log into my cash app, and it would not let me, it was as though someone deactivated my whole account. My cash tag $ XXXX no longer existed with an account, I put my phone number in, and they wanted me to create a whole new account. So not only was my money {$390.00} stolen, but all my stock and Bitcoin are gone. 

Cash App deals with customers money, so they should always have an 800 number where customers can speak with a live agent/representative instead of having to email and wait for a response. I was contacted by XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, all with the same none sense response ( see attachments ) XXXX even said that my issues were resolved!!!!!!! I have tried every day to get a call back because apparently your Support team clearly does not understand what is going on. They all gave me a case # XXXX. I even reach out to cash app support on XXXX and XXXX and continue to get the same XXXX responses. 

The most frustrating part about this situation was I was on the road heading from XXXX, NC to my hometown XXXX, MI for my aunts funeral. I was going to use this money, for gas, food and to send money for the flowers for the funeral. This messed up my whole trip. 

I filed a police report here in the city where I live XXXX, NC with the XXXX XXXX Police. I will be reaching out to an Attorney, XXXX XXXX Police Department, XXXX XXXX Local News, XXXX Local News, posting on every social medial platform, XXXX, XXXX, XXXX, XXXX  and every blog until my money, stock and bitcoin is returned. This is ridiculous and frustrating, cash app supposed to be so safe and secure but somehow let an unknow individual get into my account. Im starting to wonder if it was an inside job because I always had my phone with me, and I thought since it was a mobile app you would need your phone for verification.
Product: Vehicle loan or lease

On XX/XX/XXXX I paid a deposit online to order a new XXXX XXXX XXXX replace the current XXXX XXXX that the Lease was expiring on XX/XX/XXXX. I paid the deposit of {$250.00} online ( copy attached ). After that they kept on asking to follow up in the app but the new order never showed up. First Tesla said there was a wrong email ( I had ordered the new Tesla with my account with Tesla and my email XXXX. Tesla sent me an email that I had to make an affidavit that this email : XXXX was mine. I told them that was not my email and it was a crime to uses somebody else 's email. Tesla personal insisted that I committed fraud and state that email was mine. I provided them with proof of my email, copy of my credit card charge and also Tesla own receipt that the funds were received. After multiple correspondence explaining to them that what they were asking was illegal they arbitrary stole my deposit and told me I had lost it. 
I tried to have the deposit credited or refunded but Tesla refused to give it back or credit it. I had to place another deposit, this time with the involvement of a local Tesla store and I finally received the new car. The original deposit was never refunded and Tesla stole my money and refused to give it back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX SS XXXX XXXX XXXX I am having some issues with my address on my credit report and my current Married name. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. PLEASE REMOVE THE FOLLOWING UNKNOWN ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of 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 is unfeasible. The CFPB 's findings indicate that not only did Zelle knowingly neglect to protect customers, they consistently allowed those who intended to use the service dishonestly against those who chose to participate with honor and dignity, leaving others vulnerable to scams and fraud. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Wells Fargo offered the covid relief where during the pandemic, i could defer my loan payments, due to pandemic related financial issues. 

I took them off on the offer, due to me being a single dad who works at a XXXX  keeping this state and country safe ... ..and needed the additional assistance for medical costs, food, and child care... 

SO in XXXX, XXXX, i started to repay on my loan and have done so ever since ... now they are claiming that I owe the full mortgage amount owed and will not tack it on to the end of the payments. I am aware that I owe the escrow amount that was deferred and I am ready to pay that, however I now see this as an attempt to steal my house... 

I went into their plan for covid relief needing the assistance and now, im backed into a $ XXXX hole ... if I couldn't afford expenses during pandemic, how exactly am i going to be able to pay XXXX lump sum? This is fraud .... nothing more than a banking institution offering one program and not following through on it.

They have me fill out a hardship application and are saying they are going to help me, but I do not believe them at all ... .. My house is worth almost twice as much of what I owe on the full amount. 

They are trying to steal ; my house ... ... .. that i can easily afford now that I have a better financial situation since XX/XX/XXXX... I have made every payment since then...
Product: Mortgage

M & T Bank did not provide us with an itemized breakdown or disclosed attorney fees in the final loan modification. 

We have been working with our lender M & T Bank with assistance from HUD, to modify our loan due to covid, as we had initially applied for a forbearance. 

When we received the loan modification documents, on XX/XX/2022, we were expected to return them by XX/XX/2022, 10 days. We reached out to our HUD counselor, XXXX, who has been an angel, to help us understand the loan modification, as well as be on the call with us to M & T Bank, today, XX/XX/2022. 

We spoke with XXXX who identified herself as a member of the Single Point of Contact loan modification team with M & T Bank. 

We explained that in the loan modification documents M & T Bank stated : " HUD will advance payments you are behind plus attorney fees in the amount of {$35000.00}, plus the above contribution will bring the account current. '' However, in the above contribution estimated costs there are no fees listed. The document goes on to state : I have enclosed an interest free subordinate note and a subordinate mortgage to HUD for the monthly payments, attorney fees and principal balance reduction in the amount of {$41000.00} for a total of {$76000.00}. 

There was not a breakdown of other fees or attorney fees included anywhere in the loan modification documents. When we asked for a detailed breakdown list of all of the fees. XXXX asked us if we were accepting or refusing the loan modification. We said we wanted a detailed list of all the fees the M & T Bank was charging as they were not listed in the loan modification documents, and we asked for an extension date to return the documents. It wasn't until XXXX, our HUD counselor, said that we have the right by law to know what these fees are, that she ( " XXXX '' ) offered an " escalation '' to allow us an extension of 7 days ( to XX/XX/2022 ), and that M & T Bank would get back to us. 

If you require more information, we can send you the entire loan modification packet. 

Thank you for your time and attention to this matter.
Product: Money transfer, virtual currency, or money service

The following complaint is in response to further issues raised in the prior complaint ( XXXX ). 

My original PayPal account, XXXX, was cancelled despite the fact that I had paid PayPal Mastercard XXXX XXXX XXXX  ) the amount they said was issued to me as additional credit. PayPal, in turn, required that I pay them, but their documentation was so tainted that I only followed what XXXX XXXX offered me because I could see what they had done on paper. However, there was XXXX entry where I queried if it was them who gave me credit, and XXXX XXXX said yes. This problem started with XXXX when I approached PayPal, thus I ended up resolving it with them, XXXX Bank. Any other issues should be resolved between PayPal and XXXX XXXX. 

All I ask is that PayPal restore my original account with XXXX or give me access to PayPal Mastercard in my new account under XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX is reporting that I was 90 days late on my student loans in XXXX  2011. I have mailed letters and have contacted XXXX XXXX XXXX XXXX/XXXX numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that XXXX XXXX XXXX XXXX/XXXX provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. XXXX XXXX XXXX XXXX/XXXX  do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the XXXX XXXX XXXX XXXX/XXXX is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the 3 credit bureaus.
Product: Credit card or prepaid card

Received a notice about six weeks ago from Bank of America that there appeared to be fraudulent charges on my credit card. I did not recognize any of the dozen or so charges, and was told that they would all be investigated for fraud, that I would not be charged and that my credit card would be cancelled an a new one issued.

After receiving the new card I decided to pay it off completely, which i did, but today ( XX/XX/21 ) {$1300.00} of the fraudulent charges were reinstated. I called Bank of America at XXXX in the morning but was told that due to unusually high call volume I would not be able to have my call answered. Called back at XXXX in the afternoon and reached a rep who said I needed to speak with a fraud representative, was transferred but placed on hold for more than 30 minutes. I finally spoke with " XXXX '' who took all of my information but said I needed to speak to someone else, he would transfer me immediately and with no waiting- this didn't happen and after another long wait I hung up. 

This isn't right, I'm XXXX XXXX XXXX XXXX  don't need to be terated like this.
Product: Debt collection

LVN FUNDING /RESURGE CAPTAL LP XXXX SENT ME A COLLECTION LETTER AND REPORTING IT TO XXXX XXXX XXXX FOR A DEBT THEY DONT EVEN OWN, BACK IN XXXX THE TRIED TO COLLECT FOR XXXX XXXX XXXX REF # XXXX XXXX XXXX i FOUND OUT ON XX/XX/2020 THAT TRUE ACCORD OWN THE ACCOUNT WHICH I SETTLED IT WITH THE, i DEMAND THAT LVNV/ RESURGENT CAPITAL SERVICES REMOVE THIS FROM MY CREDIT REPORT ASAP,,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action.

15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability
Product: Credit reporting

I report to Transunion about an inquire that was made from XXXX XXXX every three months, This was made by error in my name. I already received a letter from Transunion and also tell them to lock my credit, but this month again was a credit inquire for the same place. i dont know what to do.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> - I received a call from a Navy Federal imposter, very sophisticated, the representative knew all of my confidential information. He caught me off guard, gained my trust and manipulated me into transferring funds. In the process he applied for a loan while in my account, using Navy Federal codes and correspondences. In hindsight, I recognize that the phone call wasnt in good faith. The loan is still needing to be satisfied, my battle with Navy Federal is that they are not assuming any of the responsibility of my account/confidentiality being compromised and demanding that I pay a loan that I did not use the funds. The representative mentioned that this happens severally. It seems as if Navy Federal are punishing their customers for their lack of security of protecting accounts and personal information. I would like further investigation because if this is an ongoing issue what is being done about it. Navy Federal keeps reiterating that I initiated the transfer. But I did not willingly log in my account and apply for loan to give away {$4000.00}. To date, my claim has been denied and they are expecting repayment in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing w/ XXXX ,  XXXX  and Experian for the last six months regarding four accounts that are presently on my credit report. I have provided information to  XXXX  which advises me that they obtain their information from a third party agency. I obtained the third party division that that  XXXX ,  XXXX  and Experian advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however  XXXX .  XXXX , Experian continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on    XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,  the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since    XXXX   XXXX    however there is no dollar amt attached.
Product: Credit card

I obtained a new " Active Cash '' credit card from Wells Fargo approx. XX/XX/XXXX. 
I called WF to make a Balance Transfer to pay down my XXXX XXXX XXXX [ thru XXXX XXXX  ]. My WF statement shows the XXXX XXXX posted on XXXX 
XXXX XXXX XXXX XXXX informed us that they never received the funds. We requested WF investigate where the balance XXXX went. Wells Fargo sent me and XXXX XXXX the XXXX XXXX XXXX report which clearly shows that the funds went to a XXXX XXXX XXXX Bank account - NOT XXXX XXXX We've requested multiple times that Wells Fargo credit this transaction on our account because the funds transfer was never sent to XXXX XXXX XXXX XXXX. We've had numerous phone conversations with WF and each has been recorded by WF- we can provide the case numbers as proof of these calls. The amount is stiil outstanding on the XXXX XXXX XXXX Account and the balance transfer is still posted on our WF account- it has not been reversed or refunded. XXXX XXXX consequently closed my XXXX XXXX XXXX Account as well as another account I had with them [ XXXX XXXX ] - the XXXX XXXX card had a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current balance is incorrect pursuant to the Credit CARD Act of 2009, I didn't opt in the over the credit limit.
Product: Debt collection

I emailed and faxed ConServe requesting information to request information to substantiate the legitimacy of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Account # XXXX This is not my account they never sent me and verification Last Verified : XX/XX/2021 Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence
Product: Debt collection

I talk to them on the phone they said they would update on my credit or delete it the debt is paid
Product: Credit reporting, credit repair services, or other personal consumer reports

End of XXXX beginning of XXXX XXXX  was a huge impact on us all. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

XX/XX/2017 an employee of Chase called from their fraud unit called to alert me to fraud on my two Chase credit cards. They advised that they would close down both of the accounts and replace them. My purse had been stolen and fraud not only happened on the two chase accounts but my XXXX XXXX credit card as well. I was told that I was not liable for the balances. One balance was wiped out but the account that had no balance had a {$2500.00} balance a few days later. XXXX XXXX  wiped out my balance. Someone had opened a XXXX XXXX   account in my name and transferred funds from my credits cards through the XXXXXXXX XXXX account. The person who called me said they would send me a packet in a blue envelope to complete. It never arrived. I called the fraud unit and spoke to very rude woman who told me I was lying and that I owed the money. They said they completed their investigation and they would do nothing more. They continue to bill me under a southwest chase credit card and I feel forced to pay it monthly or have my credit ruined. I asked them to provide proof that I owe the {$2500.00} and they will not comply. The credit cad number is XXXX XXXX XXXX XXXX. Despite their actions I still have a good fico score. I m not in a position to continue to pay this and need assistance. This is so unfair.
Product: Credit reporting or other personal consumer reports

I am a victim of identify theft please remove fraudulent collections from my credit report Transunion XXXX XXXX XXXX Amount {$160.00} Transunion XXXX XXXX XXXX Amount {$380.00} I assert that this reporting is nothing short of fraudulent, as I have enclosed a copy of the identity theft report filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX attests to the fraudulent nature of this account. In light of the gravity of this situation, I kindly request your immediate attention and action to rectify this matter. 

Specifically, I am invoking my rights under the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), which explicitly mandates that credit reporting agencies must physically verify the original signed consumer contract for any and all accounts posted on a credit report. 
Failure to provide such verification compromises the integrity of the credit reporting system and may result in the unjust detriment of consumers.
Product: Checking or savings account

Between the dates of XX/XX/XXXX and XX/XX/XXXX there were 10 unauthorized charges on my account. I did not discover this until XX/XX/XXXX. At that time I called to report the unauthorized charges and my account still had a positive balance. They told me they would freeze may card, only to find out a few days later that they had not and my account ended up being in the negative. On XX/XX/XXXX they returned 4 of the 10 payments. I've asked for a supervisor or investigater to keep in contact, but have never received a call for an update. They can not explain to me what is taking so long or why they returned some, but not all of the charges. I also asked why was this account not flagged when these charges were going through, and they said they were going through a system change and was not able to catch it. Also could not explain why they couldnt just deposit the funds and if they found to be non fraudulent just take back out. Very disappointed in this whole process and with UMB customer service and fraud dept.
Product: Debt or credit management

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX- I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
Product: Credit reporting or other personal consumer reports

When looking over my recent credit reports I came across an account XXXX XXXX XXXX XXXX XXXX that I didn't recognize. I've disputed this account because i'm currently trying to purchase a vehicle and nothing has been sent back to me as far as debt validation or updated credit report. 
This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Debt collection

Contacted credit management lp on XX/XX/XXXX. Asked then to verify debt and they couldnt. This was an account I had back in XXXX with XXXX XXXX. I discontinued service on XX/XX/XXXX however they kept charging me for 3 months after. I was not living there. I had moved back to Maryland for a family emergency. I was never aware of this balance. They said they reached out to me however it was wrong phone number and address. This balance is from 3 years ago and it is just now showing up on my credit report.