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

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuits highlighting signifcant issues in the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracing these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers, 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: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge off : XXXX XXXX LatePayment 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and notice i had fraudulent account on my credit report. please remove these account from my report, they hurting my ability to obtain credit.
Product: Debt collection

On XX/XX/XXXX I issued a letter to XXXX about an ongoing issue Ive had with disputing this account. The letter sat at the postal service for months and finally was picked up and delivered to address for XXXX. Its now XX/XX/XXXX and no notice of dispute was entered with XXXX or XXXX. Im requesting deletion of this account tracking number for certified receipt is XXXX
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX. on my Experian credit file that is in collection for {$820.00}. This is a problem account because I do not recognize this creditor as someone I took credit from. The other problem is that when I try to dispute this account with Experian, there system tries to tell that the account is called XXXX XXXX XXXX. XXXX remove the XXXX XXXX from my credit profile.
Product: Credit card

Reference # XXXX Dear Chase Card Services, I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the challenges I have encountered while attempting to open business credit cards with Chase. As a longstanding customer, I have recently experienced a series of perplexing and time-consuming issues that have significantly impacted my confidence in the application process. 

In early XXXX, I applied for the Chase Ink Business card, and to my relief, the application was swiftly approved. However, my satisfaction was short-lived when I faced difficulties creating an online account for the card. Upon contacting Chase, I was directed to the fraud department, where I was asked a question about a loan from decades ago. Unfortunately, I couldn't recall the answer, leading to a requirement to visit a Chase branch to verify my identity and confirm that I was indeed the applicant and not a victim of identity theft. Although the in-person visit resolved the issue, the inconvenience and uncertainty surrounding this process were disheartening. 

Fast forward to early XXXX, when I applied for another Chase Ink Business card under a different business entity ( the first being a sole proprietorship and the second with a valid business EIN ). Despite having recently and physically verified my identity at a Chase branch with XXXX forms of identification for a similar application just XXXX months prior, I am once again being asked to submit additional documents to verify my identity. This repeated demand for verification is perplexing and frustrating, given that I am not a victim of identity theft, have never been one, and have never placed a credit freeze on my account. My loyalty to Chase over the years adds to my confusion as to why my business applications consistently undergo a secondary verification process, citing reasons such as " Name verification - name provided is unable to be verified. '' I am reaching out to seek resolution and clarity on this matter. I am requesting a thorough review of my account and the application process to identify the root cause of these persistent issues. It is crucial to understand why my applications are subject to additional scrutiny, especially when others do not face such hurdles.

I value my relationship with Chase and believe in the importance of security measures. However, the repeated and seemingly unnecessary verification process is eroding the trust I have placed in the bank 's systems. I trust that you will investigate this matter promptly and provide a resolution that ensures a smoother and more efficient experience for loyal customers like myself.

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution.
Product: Money transfer, virtual currency, or money service

Back in XXXX of 2023 I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling abroad because I had some unusual charges on my account that were out of my state. They sent me a text message with a 6 digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in 24 to 48 hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued. I will attach screen shots of emails from Wells Fargo. I did not authorize any wire transfer, someone had hacked my account and even my phone. I took my phone in and had it looked at because I wasn't receiving any calls, all calls were being forwarded to an unknown number. XXXX XXXX stated that that it was hacked and they had to reset phone and change my account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the wrong date of birth on my credit report. Despite having the necessary documentation to fix this mistake, Equifax has refused to correct this error. I sent disputes with a copy of my driver 's license on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XXXX XXXX, I even went ahead and filed a complaint because Equifax was not processing my dispute correctly. This was the response I received to my complaint : " Equifax has reviewed the complaint and its records. We show that you have not recently contacted Equifax regarding the items listed in this complaint. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. '' I received this last response from Equifax on XX/XX/XXXX. It is now XXXX XXXX and Equifax STILL has not fixed the wrong date of birth on my credit report. They are reporting that I was born in " XX/XX/XXXX''. This is not true. I was born on XX/XX/XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. If Equifax handles fixing a simple piece of information on my credit report so badly, I can only imagine what other consumers are going through with Equifax 's negligence.
Product: Debt collection

I received a letter from Fidelity Creditor Service, XXXX XXXX, XXXX CA XXXX. Telephone number XXXX. 

They said I owed {$1000.00} plus interest of {$110.00} for a total of {$1100.00} that I owe. This was for service from XXXX XXXX on XX/XX/XXXX and I received this letter on XX/XX/XXXX. 
XXXX has been paying my medical bills. This bill was the first time I ever received a bill for this service. I never even knew that I had a bill. Seems odd that Fidelity could send me a bill but XXXX XXXX could not send me the bill. 

So, I get this bill and then I ask for a itemized bill for the date of service and XXXX XXXX said they could not send it to me a copy of the bill since it has gone to collections. I asked collections for a copy of the bill for the money they say that I owe them and have not heard back from Fidelity as of today. 

Also, I am getting charged interest for a bill that I did not know I even had. That just is not right. 

I need assistance with this matter and some advise on what I should do. 

Thanks for the help.
Product: Credit reporting or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX : {$9200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report and need to update from reporting : XXXX XXXX {$1500.00}
Product: Credit card or prepaid card

On XX/XX/XXXX Citibank Advantage Mastercard canceled my card and issued a new one with out my knowledge. I had to call after my card was declined several times to find out what was going on. Customer service told me that I requested for 1 of my 2 authorized users to be removed and to receive a new card number. I told them that this was incorrect and that neither I nor my authorized users made that request. Because they had already canceled my card and issued a new one, I was unable to use my card until the new one arrived on XX/XX/XXXX along with a letter again saying that it was canceled at my request. I have called to try find out what happened and no information is being provided. I filed a complaint and requested an investigation, but haven't received any updates. Now the new card is being declined. I called today on XX/XX/XXXX and was told that my entire account was closed on XX/XX/XXXX. Again I was not notified and they will not give an explanation for closing an account that I have has for at least 10 years with no issues.
Product: Credit reporting or other personal consumer reports

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

Account name XXXX # XXXX, Account name XXXXXXXX XXXX # XXXX, Account name XXXXXXXX XXXX # XXXX, Account name XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX # 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 furnishan 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. Any adverse item of information, other than records of convictions of crimeswhich 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

This morning I deposited my commission check as usual, at the beginning of the month and paid my monthly bills ( as i do EVERY month ). Then I went to get gas and my card was declined. My son was at college and tried to pay for a class and his card was declined. I have several ACH withdrawls that are supposed to come out today/Monday as well. So I call in to USAA and was told there is a 3 hour hold time. I decided to login to my online acct and everything is showing as unavailable so I chat in. The lady tells me that my accounts were sent in to investigations because of all the transactions today, that they wanted to make sure someone hadn't stolen my card. I told them " no, they are my transactions '' and to unlock my account. She proceeds to tell me that it may take up to 3 business days. In the mean time all my checks and payments are going to bounce???? This is unacceptable. A simple phone call from them could have prevented this. I asked for a supervisor and she told me she was sorry but none was available. HELP PLEASE! they have all 4 of my accounts tied up and locked and I can't get gas or groceries or anything.
Product: Debt collection

COLLECTOR KEEPS COLLECTING A DEBT NOT MINE AND RAN MY CREDIT W/O PERMISSION IN VIOLATION OF FCRA. ( SEE ATTACHED REPORT )
Product: Debt collection

Someone stole my personal information these debt collectors are trying to collect {$660.00} say I have a bill in my name that I am unaware of
Product: Debt collection

I was sent an email telling me I could settle my debt with the company. Once I continued asking more questions via email I was told all of a sudden the company does not accept settlement offers after I was already told I could settle. 

I know there was a violation of FDCPA and maybe taking legal action because of it.
Product: Checking or savings account

I have reason to believe an account was opened fraudulently in my name. I am receiving letters from this bank and Ive never opened an account here. Im not sure what to do, this is not the only bank Ive had this issue with. XXXX XXXX, XXXX XXXX, XXXX XXXX, now ally bank.
Product: Credit card or prepaid card

An unauthorized transaction was made with my card at a XXXX website. I did not use any of the services at XXXX and XXXX refuse to give me my refund or credit back. XXXX and American Express company said that the XXXX website has a no refund policy. Therefore the case is closed. And no refund was credited back to my credit card. This is fraudulent activity to be able take customers money without them using XXXX services is bad practice.
Product: Debt collection

I've disputed this account every way I know how, and Jefferson Capital has never sent me anything! I have no idea who they are or why they are reporting to the credit bureaus! I have written them several letters demanding that they declare who they are and why they are reporting information about me, and they have not complied! This is a violation of the FCRA! Please help me!
Product: Checking or savings account

i lost XXXX dollars total bank America let someone change my account info on line and put XXXX XXXX and gift cards on my account..i was getting XXXX dog at that time I have XXXX XXXX a XXXX XXXX i got notice on email. i called and said no they apologized and didi it any way. my email was changed and i had no idea so i could not get online and see what was going on my phone got hacked could not get text messages still is that has been for going on 4 years fbi DA state representatives At the time mayor XXXX and and local and state police did and continue to do notiing i get death threats been through 2 XXXX XXXX 9 XXXX  have 2 XXXX that firmware was eaten and have a forensic computer company that still trying to help me. this started on XX/XX/2019 till today been through 101 emails addresses 10 credit cards. my tv is hacked and my car. they steal my mail. i actually XXXX XXXX had a XXXX had no phone for help was found two days later on the floor my XXXX XXXX XXXX  in hospital 2 months.
Product: Credit card or prepaid card

Chase Credit card company charged me {$13.00} interest after my account was paid off in XX/XX/XXXX. 
I made two payments in XXXX before the statement closing date. 
1. {$300.00} on XX/XX/XXXX and 2. {$500.00} on XX/XX/XXXX. This paid the account statement balance in full. The next statement was sent on XX/XX/XXXX with interest of {$13.00} oweing at 22 %. 
This is not correct and needs to be removed from my card. I do not owe this. Account ending in XXXX XXXX XXXX
Product: Debt collection

Meridian Financial Services , Inc. continuously calls and leaves messages on my cell phone which appear to be in some foreign language, as I am not able to understand any of the messages. Additionally, they are sending letters addressed to my ex-husband, who does not live at this address, and has never lived at my address. I have written a letter explaining that my address is not his address to no avail. I have returned 4 letters stating the addressee does not reside at this address. However, this company continues to harass me with these calls and letters addressed to my ex-husband.

Additionally, this company has placed 7 collection items on my credit report for timeshare fees to a timeshare that I do not have possession of, access to, or deed for the property. This timeshare unit is in the sole possession of my ex-husband, and he holds the deed to this unit. Additionally, the fees appear to be in excess of 12 years old.
Product: Debt collection

On XX/XX/XXXX I went into the emergency room at XXXX XXXX XXXX XXXX to be seen for stomach pain. The wait was very long so I left without ever being admitted. I ended up going to another emergency room ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I received an alert from XXXX XXXX stating that a new negative account had been added to my credit files ( XXXX and XXXX XXXX ). To my surprise I had lost 42 points due to a collection being added from a creditor by the name of XXXX XXXX XXXX XXXX XXXX. I researched the company and called to see why they had added this to my file. They told me that XXXX XXXX XXXX had submitted a bill for {$270.00} stating that I failed to pay. I have never received a bill or a call from XXXX XXXX XXXX or from XXXX XXXX. I asked the women to verify what contact information they had on file. She preceded to verify an old address of mine and a phone number that has never been mine. I asked what correspondence had gone out to me to alert me of this debt and she failed to answer the question. She kept telling me to call XXXX XXXX XXXX. I never received service from XXXX XXXX XXXX and I was never admitted despite the bill I requested and received ( XX/XX/XXXX ) stating I was discharged at XXXX XXXX. I arrived at XXXX XXXX XXXX XXXX which is 14.2 miles away at XXXX XXXX. This is fraud. XXXX XXXX XXXX preceded to charge my XXXX XXXX for room in board and service that was never rendered. They have damaged my credit and committed insurance fraud. I never received any notice of the debt and was not given a chance to dispute it or anything. FRAUD.
Product: Debt collection

On Friday, XX/XX/XXXX, I received a low-balance alert email from XXXX XXXX indicating that I had {$0.00} available. Knowing that I had at least {$450.00} in my account, I contacted the bank and was told that there was a hold placed on my account ( for which they charged me {$75.00} ). I asked if they could give me the information of the party that placed the hold on my account and they advised that it was a small claims court in NJ ( where I live ) and gave me court case number. They told me to contact the court at ( XXXX ). When I called, I was told that a credit card company by the name of Midland Credit initiated the action and that I should have received a summons notifying me that I was being sued for {$1900.00}. I told her that I have never received any summons by mail or any other method. She then read off my address and said that the summons should have been sent via Certified Mail. While my address was correct, I again repeated that I had not received any communications from anyone, particularly not from a court and that I had not heard from Midland Credit for easily two years. I shared that the debt seemed accurate ( although I would have to check my records ) but that I would need to confirm. I also stated that the action left me in dire straits as both my husband and I have significant health issues ( he is on XXXX  and is XXXX XXXX ) and this " hold '' resulted in us having no money to access for food or medications. She told me that there was no way that the hold could be released and that it could take several business days to be released. She also shared that it was currently a " one time  hold '' and that any expected deposits to that account would be free for my use. She gave me a phone number to contact ( XXXX ) and told me to contact Midland in an effort to resolve the issue. She also gave me what she thought would be the case number I should reference when I call. I wrote to Midland online but have not heard back yet.
Product: Credit card

XXXX Company review In progres XXXX/XXXX/2016 XXXX CFPB review In progress XXXX/XXXX/2016 It has been almost 90 days and now they want another 60 days this shows what is happening with what has taken place in wellsfargo I am sending some of the letters they have sent me. This has also created multiple fee 's and added other charges and I still have to make pmnts if i dont then my credit reports gets terrible XXXX had stated for me to continue making pmnts yet my credit has already been affected negatively and I was not able to refi my home because of all this that has taken place. 
FINALLY, INVESTIGATION HAS BEEN DONE BY MULTIPLE PERSONS FROM TH E SAME XXXX EXECUTIVE OFFICE AND NOW THEY ADDED ANOTHER PERSONS HER NAME IS XXXX XXXX. VERY IMPORTANT IS THAT THE CARD ENDING ON XXXX WAS CLOSED XXXX 2016 AND THE USED THAT AS LOST OR STOLEN IN XXXX/XXXX/2016 ACCORDING TO THE BANK AND THAT WAS A LIE AND THEY CREATED THE ONE ENDING ON XXXX HOWEVER, IF YOU LOOK AT THE ACTIVITY ON THAT CARD TH E FIRST ONE TOOK PLACE 20 DAYS LATER ON XXXX/XXXX/2016. DOES NOT MAKE ANY SENSE.
Product: Checking or savings account

The advertised interest rate was not honored. I opened an XXXX XXXX XXXX account because of promised interest rate of 4.5 APY ( 4.4 APR ). However, the bank credited less interest for the month of XXXX. It was because of an issue on their system. It took few days to rectify the issue. During this period, I was given a very low interest rate. When I tried to contact the bank multiple times regarding this issue, they didn't respond as promised. Please find in the attached document that the APY ( 4.24 % ) is less than the APR ( 4.4 % ). This is because of the issue I mentioned above.