23daVinci/CFPB_Complaints huggingface dataset:
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 was impossible and that tracking these transactions was 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

This is a very complicated situation which I will try and explain the best I can. I am attaching copies of my bank and credit card statements along with communications I had with both Webster Bank and XXXX XXXX. What complicates this matter is that Webster Bank changed the dates of some transactions and changed the wording of the transaction, ( i.e. a payment I made over the phone initially initially said pymt by phone but later was changed to ach payment and the actual date it happened! ) We had a scheduled ach payment for XXXX XXXX to be paid XX/XX/XXXX. Because of the XXXX XXXX XXXX holiday, a transfer from my credit union was delayed one day, so the bank denied the payment and charged me an insufficient fund fee. When I found this on XX/XX/XXXX, I called Webster to find out what happened. They told me because of the holiday I didnt have enough money in my account to pay the credit card bill even though my balance showed that I did! 

I called XXXX XXXX and made a payment over the phone with them. The amount of the payment was {$2300.00}. I asked the customer service rep if they were going to try and take the payment out again because the funds were not going to be there. He stated that they would try again in 5 days if no payment showed on my account, but that he didnt think that would happen. When I looked at my Webster account the next day there was an over the phone payment for {$2300.00}. 

On XX/XX/XXXX, another ACH payment was made to XXXX XXXX for {$2300.00}! As I stated earlier, I did not have enough funds to cover the second payment so I was charged fees from both Webster and XXXX XXXX. ( I was eventually refunded those fees from both parties ) I waited a month to see if the second payment was posted to my XXXX XXXX account. It was not! I called Webster and told them that XXXX deductions were made from my account ( one on XX/XX/XXXX and the other on XX/XX/XXXX which shows on my Webster bank statement ). The Webster rep said well, lets take one back ) and he put {$2300.00} back into my account on XX/XX/XXXX. I thought at the time everything was now fixed. 

When this happened XXXX XXXX then put a charge on my account because they said they only received XXXX payment and the bank took it back by the transaction on XX/XX/XXXX! 

I went back and forth between XXXXXXXX XXXX and Webster Bank for months! XXXX said they only received XXXX payment and Webster said they received XXXX! After a visit to the bank and a meeting with the Bank Manager, I was given trace numbers to give to XXXX XXXX which I did. 

What I know is XXXX withdrawals of {$2300.00} were taken out of my account in XX/XX/XXXX and only XXXX was posted to XXXX XXXX. I believe the money is in Webster Bank. Neither company was able to correct the situation. 
I didnt know about this site until the manager at my credit union company told me about it. That is why this complaint is so late. 
All I know is that my account at Webster is short {$2300.00}. 
I hope you understand what I have explained and hope that you can help us out somehow. 

Please let me know if I can provide any other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded the document from Experian as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that Experian is looking for is XXXX XXXX also called American Sign Language, " GLOSSA, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find XXXX XXXX explained in the Article : 11:147 XXXX Manual of  Styles : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at XXXX XXXX dictionary 4th edition. 

The XXXX-XXXX text is found on the tombstones of a grave. XXXX XXXX is the engraved image on the tomb, the written text of the dead. It is debased XXXX, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of XXXX, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

Experian keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX - XX/XX/year> - {$990.00} XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

They have made illegal phone calls but they dont get the proper disclaimer about the information for a debt they lie to not give me a deferment. They state when I ask about doing a payment date change that they can do it but then dont apply it and wait till parentheses its past due and then lie and say sorry now you have to pay we cant do anything for you. I do have a recorded phone call that I asked permission or inform them that I am recording it the Friday amount of times they do illegal business practices as Ive seen there intentionally deceiving customers in order to fraudulently charge fees. I have images of my online account that show my last payment was the end of XXXX but a different part of the county also stateThe last time I made a payment was 90 days ago that was not 90 days of their illegally charging fees going to see for collection processes and making illegal threats
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX , Tx I leased a car in  XXXX   2014 . Payments are {$570.00} per month. I have mad e 32 payments all on time. The balance of payments on the 60 month lease adds up to 28. My credit report has a balance of {$30000.00}. If you multiply 28 X   {$570.00} you get {$15000.00}. I believe  XXXX  is committing fraud to make their books look better. My name is  XXXX   XXXX   XXXX  Lease #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX collect XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX XXXX XXXX, Department of EducationXXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a check from XXXX XXXX XXXX in the amount of XXXX and I did a mobile deposit online and I had very little amount of money available for use and I called Citibank checking account and see if they can speed up the process or call XXXX XXXX on three way to verify the funds but they refused and told me I need to go to the branch and there is no branch in Texas and I was told I need to wait 3 business days for the money to be cleared and but if Citi look at my previous deposits I did in the past I had those checks clear without any problems or no check returns at all ... now that money is on hold I have to wait three business days which I hate to do and Im considering closing my account in XX/XX/2020 cause deposit process takes too long and Im angry over this ....
Product: Debt collection

I sent a debt validation letter to the company National Credit Adjuster for two collectiom debts that they have with their office. The company has failed to provide any documents bearing my signature or any contracts showing the debt is owed to this company. They have tried to utilize a stall tactic by sending a letter stating that 30 days was not even time without providing any timeframe they could provide proof of debt. However, this company consistently continues to report this debt monthly to the bureaus affecting my credit report. Acct # XXXX and XXXX. letters are attached as well as certified receipts. This company letter stated they are ceasing collection efforts however, they are repeatedly stating they have validated the debt with the bureaus with no information sent to me. This is a violation of the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXXCROSSCOUNTRY MORTGAGE, INQUIRY ON : XX/XX/2021. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Product: Debt collection

The following compliants XXXX, XXXX, XXXX, and XXXX. 

I am requesting XXXX XXXX XXXX ( XXXX ) to provide provide how they have validated that this debt belongs to me. I do not see a contract provided. I only see a bill which has my name, my INCORRECT ADDRESS, does not show my SSN, and this information was not submitted to me within 30 days after their agency received the debt for me to dispute the debt. The debt was reported as Fraud to XXXX XXXX XXXX XXXX 

Upon receiving the information about the debt. This was reported as Fraud to XXXX. 

I am requesting the method of accuracy and completeness of the method used by this collection agency to provide a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. [ FCRA 611 ( a ) ( 7 ) ] The information provided by this agency is unconvincing and insufficient to proved that I authorized this account to be opened and signed a contract agreeing to be responsible for this consumer debt.
Product: Credit reporting

filed dispute notifying Transunion that payment with XXXX XXXX XXXX XXXX has never been paid late. also advised them that information was previously corrected and updated to show no late payment ; faxed documentation to Transunion to as proof that payments were not late ; Transunion in turn responded that information was updated, but late payments remain ; I 've called Transunion repeatedly only to be hung up on
Product: Credit reporting

I have disputed now twice with no response regarding XXXX medical collections that are unknown and outdated listed on my credit file. I would like these removed as they are false information.
Product: Debt collection

I have been receiving numerous calls from Credit Central at XXXX trying to get in touch with my sister-in-law that I have not spoken to in two years. I have no idea where she is located and I did not give her permission to give my personal identification as a reference ( ever ). I have asked this organization at least three times to remove my phone number from their records. Just this week I received a call on XXXX/XXXX/16 and XXXX/XXXX/16. I told them again to stop calling me!
Product: Credit card

This is a followup : I understand it may take over 60 days to get a response, but I'm now receiving more emails from Capital One asking me to log into my account and set up text messaging for this unauthorized account ending in XXXX. I have been successful, as I don't have a username or password to get into this account, nor do I want to since I didn't open it. 
They have charged me over 6 months of late fees on the unauthorized account ending in XXXX. 

This is the FIRST info I knew of this account : Tue, XX/XX/XXXX, XXXX About your VentureOne Credit Card ending in XXXX Hi XXXX XXXX XXXX XXXX Your statement is available online. 
Statement balance : {$310.00} Minimum payment : {$250.00} Payment due date : XX/XX/year> by XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX XXXX Youve successfully added your account ending in XXXX from DEBIT CARD. This account can now be used to make payments to your Capital One accounts. 

Were sending this confirmation for your account security. No additional action is required. 

If you didnt link this account, please visit our Information Protection Center. 

Thanks for choosing Capital One. 
Note : I did NOT ask to have my account linked with Capital One. ( I asked for a one-time payment of the outstanding balance of the unauthorized account so as NOT to continue late fees. ) Youve successfully added your account ending in XXXX from DEBIT CARD. This account can now be used to make payments to your Capital One accounts. 


Tue, XX/XX/XXXX, XXXX Hi XXXX XXXX XXXX XXXX Weve noticed youre not set up to receive important account alerts via text or call from us. 
By enabling alerts for your mobile phone number, you can get notified quickly with important account information and updates. Rest assured, we will only use your mobile number to contact you about your relationship with Capital One and not for any marketing communications. 

Im unable to log in to this unauthorized account ending in XXXX. I dont know the full account number or the password. I had alerts via text on the old account that was canceled due to fraud. But when Capital One created this new unauthorized account ending in XXXX six or more months later, they didnt inform me, didnt turn on text messages, and didnt have my new address to inform me of their actions of extending credit to third parties on the new account they created. 

I can not see my online credit reports because the system will not recognize my username and password. 

I want Capital One to stop using this fraudulent account, which ended in XXXX, so that my credit report and finances can be restored. This just can not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

I have been attempting a short sale on my property for about 6 months now. The BPO has come back higher than the relator has proved is market value for the house. We have had XXXX interior and exterior and XXXX exterior only BPO done. The XXXX was coincidentally the same amount that owed on the loan, the second that we requested was XXXX which was XXXX over the price that the condo next to me sold for. I asked that another BPO be done and they refused saying that they only do one every 90 days. How can a third party appraiser be able to make such claims when the real estate agent ca n't even find homes that compare?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I open my Equifax Portal I have not been able to get my credit score in months. I have complained and the problem has not been corrected. See attached document. This is what I get when I log into equifax from several separate devices.
Product: Checking or savings account

I was charged over draft fees by Wells Fargo when the money was available.
Product: Checking or savings account

Wells Fargo is holding my money without giving me access to my funds or my account in general. This was after I have made a claim with them and received a resolution to my claim. Now they are not allowing me to gain access to my account or funds. This is so frustrating because they have had a closure date to my account for XX/XX/XXXX, and now pushed it for the 3rd time now to XX/XX/XXXX. I need my money and they are holding my money unjustly after calling them over XXXX times they still are not doing anything to help with the ongoing issue. I keep calling and telling them the situation and every agent keeps telling me a different thing. One agent mentioned to me to go to the branch and call the loss prevention phone number and I would be released the funds. The next says nothing will happen with funds till the closure date. Yet nothing is changing and I need my money.
Product: Debt collection

phone calls before the XXXX date I don't remember. 

XX/XX/year> phone call, asked for original bill with correct information, was told don't have to send you! 

XX/XX/year> phone call, asked for original bill that I signed for, was told they don't have to send me and said they will sue me. 

disputed on XXXX XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>
Product: Mortgage

I bought a house in XX/XX/XXXX. Before I made the 1st payment the mortgage was sold to XX/XX/XXXX. Almost immediately the trouble began. First I was sent coupons for the mortgage payment. A week or so later I was sent new coupons with a lower payment because Arvest stated that I did not need to pay PMI on this loan. In XX/XX/XXXX I received my escrow statement that said I was over {$1800.00} short for the next year in my escrow account. Somehow after only making 3 payments, " I '' was short this money. A contacted Arvest and they quickly figured out that the mistake was on their end. They told me not to worry about it and they would fix it. They also realized their mistake with the PMI as my loan was still expecting PMI to be paid. I was " told '' the additional monies I had paid to reduce my principal were applied properly, but no paperwork was ever provided. Fast Forward to XX/XX/XXXX and I received another letter stating that I was now over {$1900.00} short for the next year. I contacted the company again and they still didn't have a clue about what happened. With " My '' help they figured out that " THEY '' had paid my property taxes in XX/XX/XXXX when they were " NOT '' supposed to have sent in that payment. The Mortgage Broker was supposed to make that payment since the money was included in my closing costs. I also have to wonder how Arvest can take an escrow account negative {$1800.00} and not feel the need to contact the owner of the account. The mortgage broker contacted me immediately when Arvest tried to contact them. It was determined that the check they sent me was never cashed as it was never received by me. They sent me the money a week later. After that I have only heard from Arvest once and I honestly don't think they even know what is going on. Now, after more than a month of talking to Arvest, no one will return my calls or answer emails and of course they decided to send me a late  charge for not paying a new monthly payment. The new payment is the result of the shortage, but since I was actively working with them to find the problem and no one on their end had ever called about a resolution, I did not realize there was a new payment to make. They sent me the new payment coupons around XX/XX/XXXXThe first payment of course was dueXX/XX/XXXX. I'm not sure how I was supposed to make that payment when the coupon arrives nearly 3 weeks after the payment was due. So now they want a {$30.00} late fee. Keep in mind I have not missed a payment this entire time. At this point I decided to send them the money owed from the XX/XX/XXXX escrow account since no one will explain why the value increased even though my taxes and home owners insurance costs did not change.
Product: Debt collection

Hi, I'm not of aware of this debt. I would like the following : 1. Assignment of Debt 2. Validation of Debt 3. Method of verification I have requested this information sometime ago with no response.
Product: Checking or savings account

My account was on hold XX/XX/, funds were unable to be accessed. I have tried multiple times to get my money that is in account. Branch and customer service said funds were being held and account is in process of being closed due to fraud. Direct deposit from my boyfriend was being deposited into my account for about 6 months, my bank was initially XXXX and transferred to US Bank, however XXXX did not inform me I couldnt get direct deposit in his name. So my account was closed ( XXXX XXXX  ), I have funds in my account that are being held. My account is closed and has been for 2 months. My funds should be returned back to me. I have tried customer service and going to branch in which they stated they have no information to get back to me at this time.
Product: Money transfer, virtual currency, or money service

sent money over did not receive it in my account no correspondence
Product: Debt collection

The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the GAAP -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess XXXX Ch 187, 188 1867 Pg. 546. XX/XX/1867, CHAP XXXVIL