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

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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. They informed me that recovering lost funds was impossible and that tracking these funds were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect me as a consumer but has also allowed repeated offenders to exploit the system. Leaving users vulnerable to scams. Theres lack of accountability and transparency with consumers is unacceptable and raise a serious concerns for consumers safety, and using the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 have initiated and investigation with XXXX XXXX XXXX and filed a police report. The details are listed below. 

Police Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sheriff : XXXX XXXX XXXX XXXX ) XXXX XXXX The following accounts have 30 days to respond to this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against Bank of America for Denial of Fraudulent Charge Claim Dear Sir/Madam, I am writing to file a complaint against Bank of America for unjustly denying my recent claim for fraudulent charges on my credit card account ending in XXXX. Despite providing substantial evidence of the fraudulent transactions to both the bank and the XXXX Police Department, Bank of America denied my claim, citing that the card was used with the chip and/or PIN entered, and thus implying that I was responsible for the charges. 

The fraudulent transactions occurred on XXXX XXXX, 2023, and I reported them to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ). The total amount of the unauthorized charges is {$1300.00}. A detailed list of these transactions has already been submitted to the XXXX Police Department for investigation. 

According to the Fair Credit Billing Act ( FCBA ), I am protected from liability for unauthorized charges on my credit card account. The FCBA limits my liability to {$50.00} for unauthorized charges, and many credit card issuers, including Bank of America, have a zero-liability policy for fraudulent charges. Despite this legal protection, Bank of America denied my claim and decided to remove the temporary credits applied to my account. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust denial of my claim by Bank of America. I believe that the bank 's decision to hold me responsible for the fraudulent charges, despite the evidence provided, is in violation of the FCBA and the zero-liability policy. 

Please find the attached documents, including the list of fraudulent transactions and the letter I received from Bank of America, for your reference. Please note that in my attached documents I have provided account numbers. None of these account numbers are still active, so this information may be shared. I am willing to provide any additional information or evidence required to support my complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

RE : Walmart credit card, Capital One. -poor customer service. 
Account XXXX. 

On XX/XX/2020, I paid off my account/statement balance of {$1700.00} On my new XXXX statement, I am being charged {$20.00} interest on a balance that was already paid off! 

On XX/XX/XXXX, I called in to Capital One 's Walmart credit card customer service and asked for the {$20.00} interest that was on a balance that was already paid off, to be refunded. The customer service rep refused and I was transferred to a supervisor, XXXX, who proceeded to tell me that is their policy and if I don't like it, I'm " XXXX '' and " maybe I shouldn't do business with Walmart ''! 

To be treated like this and to be talked to like that is INEXCUSABLE! 
Paying off the account in full and to be treated like trash, especially during these hardship times caused by COVID! 

I will make sure that everyone on XXXX and XXXX and everyone else will know how poorly Walmart and CapitalOne credit treats their customers, especially during COVID! 

I demand a full refund of bogus interest charges of {$20.00}, interest fees on a balance that was paid in full prior to the statement closing. Walmart and Capital One credit say they want to help us, the customers, during COVID-19 but when it comes time to help they do NOTHING, liars!
Product: Debt collection

2 separate collection agency trying to collect what they both claimed of {$450.00}. The first company ( " XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX '' ) tried their attempts without any evidence and/or any documentation. They tried for several months with my opening 2 complaints via CFPB ( XXXX & XXXX ) and handful disputes via XXXX. They finally gave in and removed their false debt from my credit report resulting to 'Excellent ' credit history. 

Now the 2nd agency ( " Source Receivables Mngmn '' ) making the same attempt on collection of {$450.00} and they can not keep their facts in order/consistent. The document ( statement history ) they provided clearly presents I have nothing owed. I am going back and forth via my personal email and trying to close the matter to me now owing {$170.00}. They still can not confirm what I owe money for! They are scamming me. I need CFPB to remove this debt from my credit report indefinitely or someone/something that is higher up. This is tiring and counterproductive!!
Product: Credit reporting or other personal consumer reports

I placed an order with XXXX XXXX XXXX XXXX through Affirm Inc. on XX/XX/year> and never received the merchandise the loan was approved for. The initial payment for {$78.00} was refunded by my bank after an investigation on their end that proved the charge was fraudulent. Affirm Inc. has since gone to extensive measures to collect full payment for this purchase though merchandise was never received or sent. I contacted XXXX XXXX XXXX on XX/XX/year> via email about shipping and never received a reply or shipment tracking number or merchandise.
Product: Consumer Loan

Consumer portfolio services place my loan status on XXXX major credit bureaus as charge off without any written consent to me nor have they answered any email or phone messages i am late on loan and informed them of death in household being cause of reason
Product: Vehicle loan or lease

My name is XXXX XXXX, I have an Auto Loan with Truist which was originally Suntrust. 

On XX/XX/2022 a Wire Transfer in the amount of {$110000.00} in connection with me selling the vehicle was successfully Wired to Truist, they have validated that the {$110000.00} wire transfer is sitting on their General Ledger in their Wiring Department. However as of XX/XX/2022, they are still holding the money and refuse to apply to my loan to pay off my loan balance and Truist is so incompetent that I can't even get someone to call me back. I have raised an Executive CEO Complaint to Truist, and they still haven't responded to that. 

Please help me resolve this, I have spend hours upon hours on the phone with Truist trying to resolve this to no avail. I am losing sleep, I have severe anxiety from it and am needing to resolve this and get the loan paid off ... .. they have {$110000.00} confirmed and cleared that they are illegally holding on to.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, XXXX, AL, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXX & XXXX, XXXX. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a late payment reported on my credit account with Bank XXXX XXXX. 
According to my records, I have always made timely payments on this account, which were set up through automatic debit to ensure prompt and consistent payment. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information you report to credit bureaus. To validate this late payment claim, I request that you provide documentation demonstrating proof of transaction and showing that I was ever late. If you can not supply this documentation within the required XXXX timeframe, I request that this inaccurate late payment entry be deleted from my credit report as per FCRA requirements. 

Additionally, under 15 U.S. Code 1666b - Timing of Payments, it is stated that : A creditor may not treat a payment as late unless reasonable procedures have been adopted to ensure that periodic statements, including the required information, are delivered no later than 21 days before the payment due date. 
If a grace period is provided, additional finance charges may not be imposed unless the billing statement reflecting the finance charge basis is delivered at least 21 days before the payment due date. 
I request that you confirm that these requirements were met in this case and provide evidence to support your claim. 
If this can not be established, the late payment entry must be removed from my credit file. 

This inaccurate information has caused harm to my creditworthiness, and I demand this matter be resolved promptly. Please confirm in writing once the correction has been made. Should I not receive a satisfactory resolution, I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

To support my dispute, I have attached a copy of my XXXX credit report dated XX/XX/year>, which confirms that my account shows no negative information, late payments, derogatory marks, or delinquencies. This further demonstrates that the late payment claim on my account is inaccurate. 

Creditor Information XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Checking or savings account

Bank of America closed my account because of Fraud, they said I deposited some amount of {$2000.00} and {$3000.00}, please I never I deposited any money Before I received my debit card, I was given a temporary card to make deposit and withdraw I misplaced the temporary card maybe it from there the money was deposited into my account. I will never have anything to do with fraud.
Product: Mortgage

i am aware that Ocwen Loan Servicing, llc has violated the CFPA, FDCPA and RESPA. I am also aware that CFPD has filed a enforcement action against Ocwen in XX/XX/. My XXXX account is XXXX. Ocwen continue to make my payments late by posting them days late. They have done this continually for years. They got XXXX payment on XXXX this year, but sent me a letter dated XX/XX/ saying they had not received it yet. They did the same thing in XXXX this year. Sent me a letter XXXX XXXX saying they had not got a payment, but again they gotten it before XXXX. 
They also claim that I now owe over {$6000.00} in late fees. I am requesting a breakdown of all late fees.
Product: Money transfer, virtual currency, or money service

Coinbase is currently holding almost {$1000.00} of my money and refuses to return it to me. 
On XXXX I made a Deposit to Coinbase using their website. A user interface bug ( which automatically changed the selected network ) caused me to send currency to Coinbase on a network they claim is unsupported. I contacted them about this immediately and they said they did not support that currency ( UDST ) on that network ( XXXX  ) at the time. They support both XXXX and USDT separately, but not together. They claim they can not recover these funds, but the fact is that they can- they just don't have an automated system to do it and they do not want to spend the time to help. Coinbase holds the private keys to the address the funds have been " incorrectly '' deposited to due to their user interface issue, and they refuse to do the work to return the funds to me. I waited for about a year for this network to be supported and it still isn't. I contacted them again on XXXX and they still say they do not support USDT on XXXX and that they will not do the necessary work to return my funds to me. This is the transaction in question : XXXX XXXX XXXX The original case number from XXXX is : Case # XXXX The new case number from XXXX is : Case # XXXX
Product: Credit reporting or other personal consumer reports

In early XXXX, I took the initiative to order a copy of my annual credit report, only to discover a substantial number of inquiries into my Experian credit report. Puzzled by the frequency of these credit checks, which occurred almost daily, I promptly composed a letter on XXXX XXXX XXXX addressing Experian, XXXX XXXX, and XXXX XXXX. In accordance with the Fair Credit Reporting Act, I emphasized their obligation to inform me of the timing and purpose behind their attempts to access my report, asserting that I had not granted them consent for such actions. I explicitly requested the removal of any unauthorized inquiries from my credit report. Unfortunately, despite the passage of well over XXXX days, I have yet to receive any response from these entities. 

On XX/XX/2023, recognizing similar unauthorized inquiries from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  , I promptly dispatched letters to each of them. Citing the Fair Credit Reporting Act, I underscored the prohibition against consumer reporting agencies furnishing records of inquiries not initiated by the consumer in connection with a credit or insurance transaction. These unauthorized transactions, therefore, are deemed illegal, as I did not initiate any of them. 

I am adamant about rectifying this situation promptly and insist on the removal of all unauthorized inquiries from my credit report. It is imperative to stress that I have never granted permission for any entity to inquire into my credit, and I expect immediate compliance with the Fair Credit Reporting Act to rectify this matter.
Product: Credit reporting or other personal consumer reports

I am requesting to remove these hard Inquiries that I did not approve of or have knowledge of reporting on my credit file. Please remove. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Bank of America XXXX XXXX XXXX XXXX Regarding Bank of America CC : Account was paid in full on XX/XX/year> to XXXX XXXX XXXX XXXX and we have received a letter from the agency indicating it has been paid in full. 

B of A will not issue a letter indicating the account is paid in full, stating they have not received the information indicating it has been paid. 

B of A has stated that their records indicate we have paid the amount due and to whom but still won't issue letter of paid, stating that it has not been cleared thru legal and they have to wait 28 days. 

I have spoken to 10 different people, and they all tell me something different. This situation is affecting the underwriting on a new home loan and I need assistance with B of A immediately.
Product: Mortgage

I filed for Bankruptcy Chapter XXXX in XXXX XXXX. My Bankruptcy was discharged XXXX XXXX. All my creditors stop taking my payments. Bank of America was the only bankthat continued to take payments out of my checking account. In XXXX XXXX Bank of America started a new loan without consulting me. I made numerous attempts to ntact BA to stop them from taking payments and I was not successful. When I went into the banks I was informed that they could not help me and they provided me with the number to the Bankruptcy Department. Again, I had no success to getting through to them. Finally, in approximately, XXXX XXXX I successfully got through to Bank of America and I asked them why they were taking money while I was in Bankruptcy and why they restarted my loan with out my authorization. Bank of America provided no explanation, yet, they sent me a refund cashier check for {$6500.00}. They never reimbursed me interest for time they took my money, yet, they added {$2000.00} in interest to my home loan. I asked if I could do a settlement regarding the balance and I was told they stopped offering settlements. I asked since they made a mistake and taking money during the time that I could have received a settlement if they would retro back and they said no. They took away access to my account away from me on the internet and when I try to make payments at the branch, I am told they could n't take the payment. The only way to make a payment is by calling the Bankruptcy Dept yet, it 's hard to get through to the Bankruptcy Department. I Bank of America continues to calculate interest on the account, yet, they make it a challenge to make a payment. I can see my home loan when I sign in to Bank of America 's website, yet, my access to pay has been taken away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed several disputes for two accounts under my Equifax credit report that do not belong to me and I'm 100 % sure it's a fraudulent account. Equifax is hesitating in removing these accounts from my report and do not send me verified documents that show these accounts are verified as accurate and belong to me. 

Confirmation # XXXX XXXX XXXX XXXX XXXX - Assigned XX/XX/XXXX Original Creditor- XXXX XXXX XXXX Amount- {$2400.00} Balance as of XX/XX/XXXX Amount- {$0.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX- Assigned XX/XX/XXXX Original creditor- XXXX  XXXX XXXX XXXX XXXX Amount {$160.00} Balance as of XX/XX/XXXX {$0.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I Dispute this with TransUnion because the information reported on XXXX XXXX XXXX has the last payment date wrong. The last payment in this account was made on XX/XX/2019 as provided here in the picture and not in XX/XX/2019 also the charge off date should be XX/XX/2019. I brought that mistake on my dispute to TransUnion but they fail to delete the account based of this mistake contrary to other bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing with XXXX there is a mortgage loan of $ XXXX on my credit for a property in XXXX XXXX XXXX, California. I also called the mortgage company MR COOPER and notified them of probable fraud, I sent my an email with my license and social security card to prove my identity. I do not have a mortgage at all. And the mortgage company ignored me and proceeded to not help me at all. I cant even rent a home or buy because of this negligence to verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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, 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.
Product: Debt collection

I 've received phone calls from am unknown number and then they started calling from a bunch of random numbers : XXXX, XXXX. The unknown number said that they are going to serve me with papers unless I call this XXXX number and make a payment. I have no idea what they 're talking about.