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

I am writing formally to express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Even despite of me using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and that tracking transactions was almost impossible. The CFPBs funding indicate that Zelle was not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving us users open and vulnerable to likely scams. This lack of accountability and transparency is unacceptable and raises concerns on my consumer safety.
Product: Credit card or prepaid card

All in a sudden, American Express closed all my accounts on XX/XX/2021, without any clear explanation. Meanwhile, they took away more than XXXX my memership rewards, which I earned by spending hundreds of thousands money using my cards. In addition, American Express filed 1099misc to IRS reporting some rewards I got through referral as income and I even paid tax for them. 
I contacted American Express several times. It was never resolved or explained. Every time, the customer service promised they would send a letter with reasons or someone would contact me. But it never happened. I did not receive any proactive response from American Express. 
I have been using American Express 's cards for more than 3 years and I value my relationship with American Express. By submitting this complaint, I want my voice to be heard by someone who can make the call in American Express company.
Product: Credit card or prepaid card

Prepaid XXXX XXXX from XXXX account will not let me close my account after I told them to cancel my account.
Product: Debt collection

Account XXXX XXXX police case # XXXX I filed an identity theft and police report on XX/XX/XXXX XXXX a copy of both was sent to the National credit adjusters on XX/XX/2020. They continue to call and refuse to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked the my Equifax credit report the around XXXX the XXXX I noticed under my Public records there was a Bankruptcy : Discharged CHXXXX placed on my credit report. I have never filed Bankruptcy and called Equifax in which they kept giving me the run around on what to do. So I called the Bankruptcy court in XXXX Michigan in which they instructed me to do and they say they have no record of me filing Bankruptcy in which I never lived out side of North Carolina. The phone number is XXXX they said they could not give me anything on paper stating I don't have a bankruptcy because they do no do that .I also called XXXX XXXX in which they stated they had no knowledge of me filing bankruptcy. All I want is for them to take this serious this has been a nightmare to me please have them to delete wrongful hurting information off of my credit report. Thanks
Product: Credit card

On XX/XX/XXXX and XXXX of XXXX purchases were made on my Macys store card. I returned a few of the items by XXXX XX/XX/XXXX at my local Macys ( XXXX XXXX ) and was refunded for the items returned to the store. My XXXX statement shows the returned items and a final XXXX balance. 
No balance in XXXX and them without any purchase made the XXXX statement had a balance of {$300.00}. 
After several calls to Macy 's customer service, with no answer to where the charges came from, a Dispute was filled on XX/XX/XXXX. 
I was told to not make any payments while we are in the process of disputing the XXXX statement and that a resolution will take one to two statement cycles. 
On XXXX XXXX I called Macys again and after speaking to a investigator who told me she could see that for no reason shown the items that were returned to Macys in XXXX where charged back again to the card. She transferred me to another customer service to process the credit. 
I followed up again on XXXX XXXX since I could not see any credits on my Macys card and noticed that the dispute was not resolved as well as I have been charged late fees and past due charges. 
I also received a letter from Citibank who is representing Macys store card letting me know that they will be sending my account to a collection agency if not pain in full. 

My credit score has also been lowered XXXX points due to this dispute. 

I was also told by the Macy 's customer service that they have had issues like mine before that a card has been charged for items that have been returned to thier main store.
Product: Mortgage

I do not have a credit score because I do not have debt. I have paid for everything in cash. DH Mortgage told me I either need to get a credit card or pay in cash. The FHA loans do not require a credit score and it could be done with manual underwriting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting bureau has not removed incorrect negative account information ( late payment ), despite the fact that I have provided Experian with correct account information ( no late payments ), that was provide to me by the creditor : XXXX XXXX XXXX. 

Credit Account Reported : XXXX XXXX XXXX, Credit Account Contact : XXXX XXXX XXXX, XXXX, OH XXXX
Product: Vehicle loan or lease

XX/XX/2022 was late on payments but made an arrangement to pay. Around the same time transmission started to have problems but I was informed that I wasnt paying the extra fee for insurance in which they would fixed the car. Late XX/XX/2022 car was repossessed.
Product: Mortgage

I have an attorney that is helping but the heloc of $ XXXX was written off by the prior company. When the property values increased, statebridge purchased it and stated demanding payments after almost 10 years of non communication. They are adding those 10 years of interest when they had written off the balance. Since the property values have increased they tried to foreclose on the property. I obtained representation because the balance has been written off years earlier. Now this ghost mortgage shows up demanding payment and all the past due interest when they were not billing me. Willing to pay amount thats fair which is approximately $ XXXX not $ XXXX that they are requesting. The interest keeps compounding and I dont think its right. During the 10 years I was not billed so interest would not be due based upon their lack of sending monthly statements with interest. Statebridge can not deny that investor ID XXXX clearly did not charge fees or interest to the account between XX/XX/XXXX and XX/XX/XXXX, as reflected in its XXXX to XXXX Payment History, attached hereto, and it is not lawful for Statebridge to do so now. Also they violated the law when they overcharged the amount of interest. under 6 Del. C. 2301 ( a ), lenders may not legally charge interest in excess of 5 % over the Federal Reserve discount rate including any surcharge thereon applicable at the time the agreement was entered into. 

I dont think they should be rewarded for their failures. Also, if the amount was written off by the lender, how are they able to resurrect it after all these years. Statute of limitations should not allow this but I dont know. I know Delaware has a 20 year limit on foreclosure. I think they have exceeded their time to enforce
Product: Credit card or prepaid card

In the years XX/XX/XXXX - XX/XX/XXXX, my identity got stolen and someone started using my Discover credit card. The person would use the card and then they would pay it off. I realized this was happening in XX/XX/XXXX, when a letter arrived to my house saying that a payment had been returned from an account I did not recognize. The person had access to my account and my information. They were using my account and making purchases at some place called XXXX XXXX XXXX XXXX XXXX Fl and to XXXX XXXX in XXXX as well. None of this transactions were made by me, nor were the payments. Payments came from an account marked as XXXX ending in XXXX under the name of XXXX XXXX XXXX. All the payments returned in XX/XX/XXXX, some of the payments date back to XX/XX/XXXX and they still were returned. This left my card with a balance of XXXX when my credit limit is only XXXX. I did not know it was even possible for a payment to return after 90 days, but they all did. Discover says that the transactions are not suspicious and I am responsible for it. I have filed two police reports and created an identity alert with the credit reporting agencies. XXXX and XXXX have deleted the account of my credit report, but XXXX has not. I have tried to talk to the investigators at Discover, but they have not been consistent with what they say. They have threaten me to report me to the credit reporting agencies if I did not start paying the account while it was still in investigation ( XX/XX/XXXX ). I never noticed this was happening in XX/XX/XXXX, because the balance on the account has never been accurate and I have a screenshot of when this happened in the past few months. The balance would say a number but the pending balance would say something else, leading to this never being discovered in time.
Product: Checking or savings account

Bank of America advertised a {$100.00} promotional bonus for opening a checking account with direct deposits within 90 days which I applied for and approved for after a few hurdles. However, the {$100.00} bonus has not been credited to my account.
Product: Credit reporting or other personal consumer reports

After recently looking over my credit report Ive found several inquiries that are unauthorized and fraudulent. After reaching out via phone they wouldn't allow me to dispute inquires. 

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 card or prepaid card

Sent a mailed payment for my credit card on XX/XX/XXXX. As of XX/XX/XXXX the payment has still not been applied/ posted to my account.
Product: Debt collection

XXXX STOP THESE CALLS PLEASE! 
I GET THEM EVERY SINGLE DAY.
Product: Student loan

I filed recent complaint XXXX - XX/XX/2019 - ISSUE - False statements or representation. 

I have updated information that was discovered from complaint XXXX. 

# 1 The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not an accredited Institution ; Therefore, the printed transcript of completion and credit hours had no authority or authenticity. 

# 2 The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not offer or assist in any sort of Financial Aid Options. 

# 3 The Schools recruiter guarantied after completion of the course I would make a starting salary of {$60000.00}. 

# 4 I have been paying on this loan for over 16 years! The loan I originally borrowed was approximately {$9300.00} # 5 To Date I have paid over {$15000.00} through the life of the loan. 

# 6 Now currently owe MORE than what the loan was initially taken out for. 

# 7 From recent complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX referred to me as Ms. XXXX. I am a Man I have been my entire life born and raised. XXXX is an XXXX XXXX mans name. As a matter of fact, in XXXX Baby Names the meaning of the name XXXX is : War. This being said its rather insulting for someone to referred to me as Ms. XXXX. 

# 8 From recent complaint XXXX XXXX XXXX states that I should contact my current servicer which is Navient. 

# 9 In Navient 's logon page to pay for the student loan absolutely no where does it state the loan is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The loan states that it is for XXXX XXXX College the college I attended some 8 years after The XXXX XXXX. I am guessing because was not an accredited. 

# 10 The XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX has been torn down in and they changed their name. to XXXX XXXX XXXX University. The former building used to reside at : XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OH XXXX XXXX   XXXX # XXXX Even though graduating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , when I started school at XXXX XXXX College not 1 credit hour transferred, nothing! I studied worked hard made the academic honor role for a fake school with fake credits and I have nothing but a canker sore of debt to pay for. 

# 12 I get multiple harassing phone calls from Navient on a daily basis. Due to Covid-19 I attempted to take a forbearance. I told them to put me on the do not call list which they ignored. I receive daily calls from a Florida number XXXX it is XX/XX/XXXX and I have received 7 calls from this number since Sunday evening!! 

This seems very fraudulent and wrong!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I set up a Remitly.com account and transferred funds from my XXXXXXXX XXXX  to a XXXXXXXX XXXX  Account to pay for a XXXX The process was confusing and my transfer was did not appear to have been saved. The XXXX XXXX XXXXs well reputed and I used the link they sent me. I checked that all the URLs were Remitly.com so I don't suspect I was on another site. I then initiated the process again and ended up mistakedly with XXXX transfers for the same thing. XXXX notified me that my transfer was pending because they needed more information. They prevented me from logging in to further process anything online. On the login I was give a screen with only XXXX options to call them. 

I XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX  do not work. Eventually I got the on chat and they called me. They passed me through XXXX agents and then started asking what I thought was invasive information about the recipient, what was I paying for, I said a service, they wanted to know the specific service, and they wanted to know my physical location as well. This XXXX XXXX for a financial service that already had all the account information to process the transfer. 

I had supplied Passport photo, facial video that their site requested. I requested with the agent that both transactions be cancelled, she told me that " made her XXXX  that I was cancelling my transactions '' ( bizaare language choice for a financial company ) and assured me they had been cancelled. I received emails saying as much. On the Remitly account they show as cancelled The next day a transaction went to my bank for $ XXXX. It is pending so I have to wait until it finalizes to dispute it with my bank. SInce it is a debit card it is difficult to force resolution ( sadly. ) What am I reporting? XXXX customer service for a payment processor, recommending to others not to use this company if they value peace of mind, and posting a withdrawal to my bank after I cancelled my transactions.
Product: Credit card or prepaid card

In accordance with Fair Credit Reporting Act, Capital One has violated my rights. 
Under 15 U.S.C. 1681 Section 602 section 4 - states that I have the right to privacy. 15 U.S.C. 1681 Section 604A section - states that a consumer reporting agency can not furnish an account without my written instructions. And, 15 U.S.C. 1666 B - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Wells Fargo is illegally releasing customer information to the North Carolina Department of Social Services by selling access to customer account information through an automated system on a daily basis, Customer account holders are not granting permission to have their data released to the North Carolina Department of Social Services. This is a violation of Graham Leach Bliley Act, NC State Statutes and Wells Fargo Data Privacy Policy. DSS then has cart blanche access to customer account information. Wells Fargo has repeatedly denied this issue by saying they have not released account information. I have documented confirmation from an employee at the North Carolina Department of Social Services that this is happening. They even offered to allow me to come in to the Department and see the system for myself. Employees illegally accessed my mother 's accounts without my mother 's permission or my permission as her Power of Attorney. Wells Fargo did this to my mother in XXXX and most recently in XX/XX/XXXX.
Product: Credit card or prepaid card

I had a bad stay at an XXXX  vacation rental ( extremely unsafe environment and harassment from the host so we had to leave early ) and asked for refund. They initially ignored my request and so I disputed the charges with my Capital One card. 

After reviewing the case, XXXX agreed I was due a full refund and so issued my refund back to the Capital One card I paid with. Capital One refuses to apply the refund to my account. XXXX confirmed they issued the refunds on XX/XX/XXXX and provided payment codes as proof. Even after providing the payment codes to Capital One, they refuse to apply the {$1700.00} refund back to my card and so have effectively stolen that money from me. I need assistance from the CFPB to get Capital One to apply the money XXXX has given them back to my account instead of stealing it. 

XXXX has been very helpful here. Capital One has NOT. I have filed multiple disputes on the charges to Capital One, and sent multiple correspondences to them that go completely ignored. They return to me generic form letters that do not address my issue at all.
Product: Bank account or service

On XX/XX/XXXX there was an unauthorized withdrawal from my business checking account for {$2800.00}. The money was taken out using Venmo ( a division of XXXX ). I do not have a XXXX account. I have gone to my bank and they are investigating.I am a small seasonal business ( XXXX employee - me ) and did not notice the funds missing until XX/XX/XXXX. I went to the bank on XX/XX/XXXX and we did contact XXXX. The bank has sent me a letter stating that they will make a final determination by XX/XX/XXXX
Product: Debt collection

I sent a validation goodwill letter to both Discover & XXXX originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor Discover and XXXX XXXX and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX sent me an update in which they changed only in regards to Discover not XXXX XXXX, but XXXX and XXXX  did not update anything. I received a letter from XXXX XXXX and Discover stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from Discover verifying my personal information and XXXX XXXX requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX on XX/XX/19, the buyer received the item last week, left positive feedback, and paypal will not release the money because they're concerned the item hasn't been delivered. But it has been delivered. You can see from the records that it was delivered, everyone is happy, but paypal will not give me the money. 

I've called them several times, and live chatted them, and they refused saying the transaction was for a high-risk item .... I sold a drone on XXXX, the buyer received it and is happy with it, what exactly is high-risk here? 

This is a large payment company taking advantage of me.
Product: Mortgage

In XX/XX/XXXX, I committed to a loan of {$150000.00}. When I got the original loan I was told there would be 180 payments and that would be it. During the course of the loan, I made 179 regular payments. I also had 87 " Unscheduled Payments '' in small amounts. I had 5 deferrals ( called Extension Reversals ) in the amount of {$990.00}. None of this {$990.00} was applied to interest. It just disappears with no effect on any balances. Every regular payment following an " Extension Reversal '' had the entire payment applied to interest and nothing to principal. In addition, I noticed, in just a cursory glance, that there are several regular payments where the interest/principal is out of proportion to the pattern of the loan. Attached is a copy of the spreadsheet. Pertinent dates to look at include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the payment directly following these " Extension Reversals ''. I would think that 180 regular payments, as agreed to originally, would satisfy the obligation. Something does not add up. 5 " Extension Reversals '' should not add $ XXXX to the course of the loan thus creating a balloon payment. I was never advised that this would happen or for the few hundred dollars more, I never would have deferred anything. 
Basically, I paid fees of {$5000.00} to defer loan payments 5 times and somehow this added over {$11000.00} to the end of my loan. So, I am out {$17000.00}! At the very least I find this to be unethical, predatory treatment of a longtime customer of this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
Product: Mortgage

I was pre-approved for a purchase on a 4plex with Bank of America and was quoted a 2.875 rate. We then submitted an offer under the impression that if we qualify on the financing we would have a 2.875 rate because of this rate we moved forward to then submit an offer, do our du diligence inspections, and paid for an appraisal. 

Our loan officer locked in our rate, and we were issued an loan estimate ( please see attached ) While sitting in escrow for over 5 weeks, we were told by the loan officer that we are approved for the loan but she applied us for the wrong loan and can no longer honor the quoted rate for a 4plex. Instead the loan for the type of property we are purchasing has a rate of 4.5 % which is a 2 % discrepancy. Even though we have in writing that we had our rate locked and are still within our LOCK RATE time period. 

We are not 5 weeks into this transaction have spend lots of time and money on this purchase, have potentially lost other opportunities. And have been misquote by the bank and applied under the wrong loan. How can a bank LOCK IN our rate and then come back to tell us that they can not honor the rate they quoted us- not based on our financial capacity but due to their error of applying us for the incorrect loan.

We are now seeking help and have escalated this matter up 4 levels of management and have still not been given a resolution.

We are not 2 weeks passed our contingency period and not sure what our rights are and how we are protected as we feel we have been given a bate and switch.