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

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit, which has exposed significant flaws in the platform. Despite using Zelle extensively and reporting multiple discrepancies, both my financial institution and Zelle failed to conduct a proper investigation into my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only failed to protect its customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is deeply troubling and raises serious concerns about the safety of customers using the platform.
Product: Checking or savings account

Received letter from Wells Fargo on XX/XX/2022 regarding their 'Stop Payment ' policy. To put it in the vernacular of the 'common citizen ', Wells Fargo 's 'policy ' sucks AND their Branch Training is lacking! We were verbally told by the Branch Banker ( who was 'training ' a new Banker ) that after 180 days the check wouldn't be cashed, so 180 days was sufficient for the Stop Payment. THIS WAS NOT TRUE. 

Federal law does NOT require that a check be paid if it is older than 180 days. 

Wells Fargo CHOOSES to allow itself to PAY a 'Stop Payment ' check if the Stop Payment is 180 days old. This is basically CYA at the expense of the Customer. 

Wells Fargo says that the account holder would have to remember to re-initiate the XXXXStop Payment ' before the 180 days expires AND possibly pay another fee! This 're-up ' of the Stop Payment and possibly paying another fee could go on FOREVER the way the policy reads unless the Customer cancelled the account!

Wells Fargo 'policy ' is NOT in the Consumer 's best interest. IF a check
has a 'Stop Payment ' on it, then that check should NEVER be paid out, and if presented, should be confiscated and returned to the account holder.

I've banked at Wells Fargo and their predecessor, XXXX XXXX, for over 50 years, and have had to 'stop payment ' only XXXX-4 times in my lifetime.

The " Stop Payment '' that I requested 'Back in the Day ' would stop the payment until the check went 'stale ' after 180 days. After the 180 days, the check wasn't any good anyway, effectively killing the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account reporting on my credit report. This account was already removed from my XXXX  report because it is proven to be fraudulent. I have submitted a complaint with the FTC in in regards to the XXXX account on my report. Please remove this fraudulent account from my report. Thank you so much for your help during these troubling times.
Product: Checking or savings account

I had an insurance deposit of XXXX XXXX dollars and money came out that I did not authorize. I am filing a fraud/ theft case against the owner of the bank with the police department and the next step is an attorney. They took my money and closed the case after a 2 day investigation. I will keep filing complaints until they return the money they too. They have falsified my transaction history and I have Proof!
Product: Credit card or prepaid card

Citi is not applying payments to the highest rate balances after the minimum payment. Instead they are applying payments first to 0 % balance transfer offers before purchase balances. This leads to making it difficult for the consumer to pay off the purchase balances and getting charged more interest than if they were paying off the highest rate balances first after the minimum payment as the card act stipulates. The balance transfer offers are 0 % for a limited amount of time and not deferred interest offers.
Product: Debt collection

Back in XX/XX/XXXX I checked my credit report and I noticed a collection account was place on my credit report. I did not recognize the information shown in my report so I contacted the company by register mail on XX/XX/XXXX demanding verification and validation for the unknown account ( XXXX ). but my attempt was ignore, I did not received proof that account is valid or mine, I even waited more than the the 30 days they are allowed to respond ; by not hearing from the company I decided to try again and ask for verification and validation a second time on XX/XX/XXXX but I found the the same results. Once again the company chose to ignore the letters I send them knowing they were received and signed by them on XX/XX/XXXX and XX/XX/XXXX. This is damaging my credit and is been hard for me and my family to obtain credit. This is my last attempt to resolve this issue and have the company delete the defamation they placed on my report. This is the last attempt before I take this to the small claim court. I have noticed the company had violate several federal laws for this I will be seeking compensation for the damages and violations caused by the erroneous reporting they have reported.
Product: Checking or savings account

Wells fargo Opened an acct for me in XXXX in XXXX  i noticed it cause i was being charge I went to Branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . He stated that he would escalate it. he did later i received an Apology and a check for like XXXX XXXX  i believe im not sure as to the correct amount now. well XXXX yrs later I'm being contacted by a Law group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX this called my niece and also me. case number is XXXX
Product: Checking or savings account

I was restricted access to my Ally bank accounts and Ally do not have any possible way for me to resolve the restriction other than waiting 10-90 days for their fraud prevention department to review my account. 

They also constantly email me to call them to verify my identities but when I do call they just tells me to wait 10-90 days for their fraud prevention department to review my accounts. 

Most of my funds are in these accounts so I feel absolutely unsafe with how they handle this problem.
Product: Debt collection

My credit report showed a collection agency, NCB Management Services, INC with a balance of {$6400.00} that belongs to my ex spouse 's loan from XXXX. The loan does not belong to me. My ex spouse, XXXX XXXX is solely responsible for repayment of this loan per my divorce decree. NCB Management has failed to provide me with any type of documentation or proof that this debt is mine. I did not get any type of letter or notice from NCB Management Services regarding the collection account nor did they give me 30 days to provide that this debt is NOT valid.
Product: Debt collection

Threatening My fianc and I with legal action for an unverified and unvalidated debt. 
We owe no collection to any person or corporate entity. They are harassing with threatening phone calls. Sending mail on legal letterhead. Office is filled with un-licensed people pretending to be attorneys which is an actionable offense. I would also like a complaint send to the Bar Association and Attorney General. 

Upon researching the firm, They have various complaints of unethical and illegal tactics all over the United States. 

The company is flagrantly violating peoples rights under the FCRA and committing criminal fraud and extortion. They are also violation due process and violated the civil rights of individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My school was involved in the borrower defense repayment settlement, and all of my federal student loans were canceled. Because the private loans I received from Navient were also given in bad faith, I requested cancellation through an application process. Its been almost 60 days and I was told that I would have a response within 30 days, not only have they not responded, but they transferred my loans to another company during this period.
Product: Credit reporting

I previously reported a duplicate entry to the creditor. They removed the duplication from my XXXX XXXX credit report ; however, it is still reported on my XXXX credit union. Therefore, I am submitting this complaint on the creditor due to their failure to correct this information with all three credit bureaus.
Product: Credit card or prepaid card

Received an email from XXXX XXXX about an account that was recently opened at XXXX XXXX  Store asking to verify if I did this. I checked my credit report and found a fraud account opened. I disputed it with XXXX and called XXXX XXXX to report the fraud. XXXX XXXX advised they maxed out the credit card to {$1500.00}. XXXX XXXX shut the credit card and account down and reported it as fraud. The also advised the credit card was done in the store and they have stolen my social security number and name. XXXX the lady I spoke to told me to go to identitytheft.gov and place a report there also.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card

Hi : I have a Citi XXXX XXXX XXXX that i can get 2 % back on my purchases. 
I then accumulate that 2 % into a reward fund controlled by Citi. 
When I check out ( places that I go ) XXXX, XXXX and XXXX if my purchase is above {$10.00} a screen will pop up asking if I want to use {$10.00} of my reward money towards this purchase. 
In very small print the screen says if I agree to this {$10.00} reward money to be used Citi will take {$12.00} from my reward account thus resulting in a {$2.00} charge for this transaction which equates to 25 %. 
Same happens if my bill is over {$20.00}, the screen will ask if I want to use that amount {$20.00} from my Citi reward account, but Citi will take {$25.00} total from my reward account, again a 25 % charge FOR WHAT ARE EXCESSIVE FEES. 
The screen gives me XXXX little boxes, ( XXXX red and XXXX green ) to let me choose what I want to do to. 

If we do not look very close, we will end up with this excessive fee happening. 

I have called Citi over this screen even showing up at the stores I shop at as I have NOT accepted any kind of permission to offer this up to me when I have not asked for STOP THE EXCESSIVE FEE AND STOP THE SCREEN FROM SHOWING UP WHEN I HAVE NOT ASKED FOR IT!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number 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 a account without my written instructions
Product: Credit card or prepaid card

I mailed my check # XXXX for my XXXX credit card statement to XXXX 's XXXX XXXX and paid it in full in the amount of {$150.00} on XX/XX/XXXX. My check was ELECTRONICALLY cashed by XXXX   XXXX XXXX on XX/XX/2020, as seen on my bank statement. However, XXXX 's XXXX XXXX NEVER credited my account for the {$150.00} I paid. I contacted XXXX 's XXXX XXXX twice in XXXX to try to correct this problem via phone. I faxed them in early XXXX and mailed them on XX/XX/XXXX, the info needed to correct the problem. I included a DUPLICATE check ( my checks are 2 ply ... .my original check did not come back to my bank due to XXXX XXXX submitting my check electronically for payment ) along with my bank statement showing XXXX XXXX was paid {$150.00} and a copy of my credit card invoice. In the meantime, XXXX 's XXXX XXXX sold to Cemenity Bank. I received a XXXX Statement from Cemenity Bank with a balance of {$220.00} ( this is from XXXX   XXXX  XXXX {$150.00} plus accruing late fees ) I contacted Cemenity Bank, twice by phone in XXXX, and mailed a letter to them on XX/XX/XXXX, hoping they could help resolve this problem. I received two letters back from Cemenity Bank and one letter back by XXXX XXXX, both stating they needed the copy of the original check front and back showing it was cashed. Again, that is not possible. XXXX XXXX submitted my check ELECTRONICALLY. The check is retained by the payee who submitted it electronically. You will see on my bank Statement on XX/XX/XXXX, check # XXXX was presented electronically with the payee stated as XXXX XXXX XXXX. My bank, XXXX XXXX  told me that XXXX XXXX XXXX can call them and they can confirm that XXXX   XXXX XXXX was paid, but they can not provide a cancelled check due to XXXX  XXXX electronically submitting my check. Cemenity Bank is saying I need to talk to XXXX XXXX. XXXX  XXXX is saying they sold the credit card to Cemenity Bank and are no longer showing me as having their card. I feel like nobody is able to help me. I just attempted to resolve this again by placing a call into XXXX XXXX who now says they do not have credit card numbers that exists starting with an 85 ... So they do not show me in their system any longer. They conveniently took my money and did not apply it when they sold my card to Comenity Bank. This is so frusterating. XXXX XXXX XXXX has been paid. But has reported to Comenity Bank that I have not paid my balance due ... This is such bad business practice. Hoping it is just an error that can be found ... but thinking this may be how they do business to make money! Can you please help me resolve this?
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/year> 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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

It appears that a bank officer with wells fargo has assisted to strengthen the position of one person over another on a commercial account involving my LLC. I am in a 50 % ownership position with another shareholder of whom I am currently in conflict with. The other partner used her contact with an internal officer of the bank to have me removed from our commercial account. The intent appears to be to allow the other shareholder to take a stronger position and to fraudulently remove the need to have 2 signatures on the account in order to cash a large check made out to our LLC. concerning the sale of real property owned by our LLC. 

The additional intent was clearly so that I could not perform checks and balances on the commercial LLC accounting of funds being used. It has since come to my attention that there might be a co-conspiracy to assist the other partner allowing them to cash a check normally requiring 2 signatures and positioning her intentionally to avoid my signature requirement to gain 100 % access to the funds. 

Wells fargo has removed me as a Signator to insure that I can not access bank statements on my account to see what is happening with my account. I was told by one internal Wells Fargo employee that this appeared to be criminal. 

It also came to my attention that another account was created with a separate institution where transfers were being made from the Wells Fargo account to another financial institution which appears to be another hiding place for funds from the LLC This has handicapped my business role within the LLC. Wells Fargo should not be allowed to interfere with my access to an account that I hold a 50 % ownership in. Bank policies appear to be based on personal relationship more than legal access.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Balance : {$170.00} This is a formal complaint against XXXX, Experian, and XXXX. I have checked my credit report again today to check the status of the accounts ' dispute results and to my dismay, I still see these accounts reporting inconsistent information on my credit report. I have disputed this with the credit bureaus and now I'm on my fourth letter with them and this is still not resolved.

I have also disputed this account directly with the collectors and none of them are responding to my letters or taking any action to properly validate and correct the reporting of the account. This is a clear violation of the FCRA, any accounts that are reporting inaccurately must be removed from my credit file if credit reporting agencies are unable to correct or report the account 100 % accurate.
Product: Checking or savings account

On XX/XX/XXXX XXXX overdraft my accountXXXX dollars and I know the Bank charges XXXX for overdraft fees. Due to a medical issue and I need medication I had no choice but to overdraft. I never go over XXXX in overdraft fees. I only do one transaction a month now the bank is charging me for multiple transactions and saying I owe XXXX dollars and still charging me more overdraft fees. Please help
Product: Checking or savings account

I deposited my Bfs XXXX Tax Return check into my Chase account on JXX/XX/XXXX after speaking with the teller and she informed us that we could do a 3rd party deposit. After depositing, they put a 7 business day hold on it which was set to expire on XX/XX/XXXX. We go to bank the following day and speak to the same teller, she said they need to verify my BF authorized me to deposit his check into my account, though we were together at the bank initially. So she called I suppose the fraud department, and after a few minutes the teller asked for his phone number so they could call my Bfs phone and verify he authorized me to deposit his check. After the 7 day hold was up, they didn't release the money, so we went to the bank and spoke to the manager, they said someone decided they need a different number to verify me with. 3 days later they close my account, mailed me a check for some money that was already in the account, but they are withholding his refund check of {$4300.00} still in some limbo account. He even went and got a new, post paid XXXX account in his name, yet still can't get past verification. They refuse to allow him to get his money or return the check or anything because a phone number verification nobody has control over. We've gone in together with IDs, is a US Treasury check, and been cleared a month now. We even have gone into the branch with the IRS on the phone. Just need the money released. Please help.
Product: Debt collection

I had a car loan that i was caught up on with payments and wasnt over due during the time of the wreck. I also had GAP and full coverage at the time of the accident that was not my fault. However, dealing with the insurance companies took longer than it shouldve so i missed a payment. The company charged me for that month and I believed that it was paid off and good to go since the accident was not my fault and i had full coverage and gap insurance. At the most i owed was one payment of XXXX.I purchased a new car but after that I received a letter in the mail stating I still owed a months payment on the car which I told them the GaP shouldve covered and they said it didnt. They had sold the policy to another agency and the more interest was added which during the last conversation I offered to pay {$500.00} to close out and they declined at the time saying I needed to pay $ XXXXI refused because that was ridiculous for an accident that was not my fault, and i had full and Gap coverage. I've realized that now i have a charge off on my report for XXXX. I have tried to get this removed but had little help. Please help anyway that you can. Thank you.
Product: Credit reporting or other personal consumer reports

They reported a charge of on my account in my account was satisfied and paid in full. They must remove the charge of and reporter is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX BANK XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.