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

Hello, I canceled a Cash App transaction the third party did not cash out so no money was received to the third party. I canceled the pending Cash App transaction to XXXX XXXX for {$100.00} and cash app confirmed they refunded my bank. The cancelation happened on XX/XX/XXXX. My bank verified no refund was received by cash app. I tried filing two claims with my bank both claims were denied. They say they are unable to process claims to third party money transfer companies. My bank confirmed no refund was received in my account from cash app. I have contacted cash app XXXX times or more each time they tell me to file a claim with my bank that they refunded me XXXX on XX/XX/XXXX. There is nothing else they can do for me. I am a low income single mom and XXXX is a lot to me and I desperately need my money back. I would like to file a legal claim against cash app or an official claim to cash up the multiple agents I have spoke to with cash app continues to tell me the same answer I have to file a claim with my bank I have tried to file a claim two different times with my bank both times they say a refund was not received into my account and they are unable to retrieve funds back from cash app. Cash app refuses to help me any further other than telling me the refund was issued already and to file a claim with my bank. I need further assistance from cash app merchant services to see and XXXX where my money is but they will not help me. 

Original transaction date XX/XX/XXXX {$100.00} to XXXX XXXX XXXX Cash App - Refunded on XX/XX/XXXX XXXX XXXX DOB- XX/XX/XXXX Address : XXXX Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail : Search, Organize, Conquer
Product: Debt collection

I emailed Wakefield and associates on XX/XX/XXXX  to receive validation of the 5 debts that they have contacted me to pay. I used the reference number provided to me XXXX. They never sent a validation letter and proceeded to call me while I was at work. I then requested by phone to get debt validation and they said I would have to email. I have since mailed a physical letter to them to request validation. With nothing received to validate the debt.
Product: Mortgage

Wells Fargo is breaking the law in multiple ways as identified below. Wells Fargo is currently being sued for these issues and if this isn't resolved we will move to form a class action lawsuit. 

Violation of law # 1 - CA XXXX has been expanded as of XX/XX/2018 to forbid dual tracking on short sale requests. Wells Fargo verified this property was under short sale review and illegally continues to have a scheduled foreclosure sale date. Stating the foreclosure is suspended while having a posted sale date is illegal, duplicitous move who's intent is to violate non dual tracking law. 

Violation of law # 2 - ( acting in bad faith regarding a real estate transaction ) Wells Fargo countered buyer to XXXX on short sale request. Buyer countered Wells Fargo to XXXX and provided a bid of XXXX showing significant damage to property. A value dispute was requested and performed by Wells Fargo. At the end of the value dispute Wells Fargo is legally required to advise buyer of their final result after value dispute is completed to allow buyer to respond. In this instance Wells Fargo decided to stay at their counter of XXXX however closed the short sale request prior to telling buyer they were staying firm. They informed buyer AFTER they closed short sale request causing harm to buyer and seller. Wells Fargo is legally required to allow buyer to respond to final offer which they did not. Wells Fargo did this due to an illegal pending foreclosure pending sale date of XX/XX/18 so Wells Fargo could charge foreclosure fees and act as a foreclosure mill. 

Wells Fargo has significant ongoing issues with non compliance. They continue to have these issues and should have their license pulled in CA rather than just freeze their ability to grow. Breaking laws and not doing anything about is unacceptable.
Product: Debt collection

I was renting a washer and dryer appliance. I paid the last month before my moving into a new unit and asked them to pick it up. I paid them for the last month and they picked up the equipment. A few months later, I saw they put my account in collections for {$110.00}. Ive been having issues with this company ever since I worked with them. I do not owe this debt and I want it removed from my credit report ASAP
Product: Credit card or prepaid card

I had a Cashback Visa Signature Card with Alliant Credit Union, ABA routing and Transit Number #XXXX, and when my rewards balance reached $XXXX  they closed my account and seized the rewards balance as forfeit. I was told that they had sent a notice to my address request a response regarding the activity on the card but I received no such letter. When I called in to complain they just told me that they had closed my account stating it appeared that I was using the card for business expenses, yet no where in the card holder agreement does it state that I cannot use the card for that purpose. I feel as though they saw a high rewards balance and instead of paying out those rewards they closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 pulled a copy of my consumer report and notified your agency on ( XX/XX/2024 ) about some items I disputed. XXXX was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to a way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notice, which I have attached once more again for your record! 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in Case of disputed accuracy section, 15 USC 1681i ( 7 )
Product: Mortgage

In XXXX of XXXX Pentagon Federal Credit Union ( PenFed ) reported my mortgage account as delinquent when it was in forbearance. On XX/XX/XXXX PenFed mailed me a letter stating that they submitted corrections to the credit bureaus. Well this does NOT include XXXX because as of XX/XX/XXXX my XXXX credit report is still shown as delinquent by PenFed. I filed a complaint about this with CFPB in XX/XX/XXXX ( Complaint ID XXXX ) and the response from PenFed was that I needed to wait at least 30 days to see an update with the credit bureaus. I called XXXX on XX/XX/XXXX and was on the phone with them more than 30 minutes discussing this because they had NOT received any corrective information from PenFed. The only paperwork they received was the letter I submitted to them from Penfed dated XX/XX/XXXX. When XXXX contacted PenFed to verify the inaccurate information reported to them, PenFed told them that the INACCURATE information was CORRECT! In fact, on XX/XX/XXXX PenFed AGAIN reported my account as delinquent to XXXX. I have attached documents which verifies all of this. This misinformation has caused me to pay more for car insurance because of the negative status on my credit report and score. It has also caused me to be unable to refinance my mortgage due to the negative status on my credit report and score. This will be my last attempt to rectify this civilly as my next step will be filing a lawsuit.
Product: Credit card or prepaid card

A travel agent requested a deposit of {$460.00} for a cruise, which we paid with out credit card. In XX/XX/2021, we paid our final payment on the cruise of {$2600.00}. We authorized travel agent to charge these two amounts at this time. In XX/XX/2021, a charge of {$2600.00} was made on our credit card, which we did not authorize. Credit card company stated that we purchased another cruise cabin for another guest, which again we did not authorize. The amount of {$460.00} was also never reflected on the final bill summary that we received for the cruise. Several disputes were made by us and the credit card company denied them all.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVED Your immediate attention is needed to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress. I did not approve or initiate these accounts, and it is unjust for me to be held accountable for them. I implore you to address this matter promptly.
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX. I'm writing to formally raise my concerns about Zelle 's dispute resolution process, especially in light of the recent CFPB complaint that highlighted severe difficulties with the platform. Despite using Zelle several times and reporting irregularities, both my bank institution and Zelle neglected to thoroughly investigate my concerns. They informed me that it would be hard to cover lost funds and follow these transactions. The CFPB 's findings show that Zelle not only failed to safeguard customers, but also allowed repeat offenders to manipulate the system, making users exposed to scams. This lack of accountability and openness is unacceptable and has major implications for consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified certain negative items that I believe were reported without a permissible purpose, in violation of 15 U.S. Code 1681b. 

The specific items in question are as follows : XXXX XXXX XXXX XX/XX/XXXX ( ORIGINAL CREDITOR:01 XX/XX/XXXX ) XX/XX/XXXX ( ORIGINAL CREDITOR : 12 XX/XX/XXXX ) XXXX XXXX XXXX
Product: Credit reporting

The credit reporting company Equifax is reporting a lien on my credit report. The lien however is not mine. Court records show that the lien belongs to another person with an entirely different name. Equifax 's false report is causing me major distress, emotional difficulties, and financial hardship.
Product: Mortgage

Hello, I am requesting assistance with SunTrust Mortgage ( SunTrust ). SunTrust carried the Note on our rental property at XXXX XXXX, XXXX, TN XXXX. Account # XXXX. I have requested on numerous occasion copies of paid checks for our Homeowner 's policy. Our Insurance Company ( XXXX ) is stating there is two payments which they have not received monies from our Mortgage company ( SunTrust ) for our yearly insurance premiums. I receive no response from SunTrust in regards to my request. I am requesting front and back copies of checks from SunTrust showing proof our insurance premium was made for our the following years XXXX/XXXX {$1400.00} and XXXX/XXXX  {$1500.00}.
Product: Credit reporting or other personal consumer reports

The following inquiries were made without my consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A ex girlfriend and I went into a dealership and put a down payment on a vehicle and both cosigned with the acknowledgement of there was no credit check nor inquiry. 4 months later the put a account on both of our credit reports without consent and state that's just how they operate now and there's nothing we can do about it. I never authorized a credit inquiry nor gave them permission to place and account on my credit report.
Product: Credit card

The credit card company keeps lowering my credit limit and it looks like I have the credit card maxed out, Then they used this information to lower my limit again. This is a continuous cycle and because of this I'm unable to get a loan for my business because of my credit score and high balances that show on the card because of the fact that it looks like I'm spending money on the card.

I've spoken to them about this before and they refuse to stop reducing my limit and making it hard for me to get my credit score back up. I pay extra on the card to get it down then they lower my limit. Now they are making me pay the minimum payment to keep stuck. They are refusing to accept my payment unless its the minimum. This is ruining my credit score. 
Citi card/AA advantage XXXX XX/XX/XXXX lowered credit limit XX/XX/XXXX lowered credit limit XX/XX/XXXX lowered credit limit XXXX anywhere XXXX XXXX XX/XX/XXXX lowered credit limit XX/XX/XXXX lowered credit limit
Product: Checking or savings account

My XXXX paycheck was fraudulently diverted to a chime account. I have been contacting them since XX/XX/XXXX and they are not giving me any info. I did not open the account. My paycheck of {$1400.00} is still missing. I called them numerous times. They will not let me know any transactions. On one phone call they told me the money was sent back and that did not happen. They will not tell me who opened the account. They will not give me any transactions or account info. The money is still missing and they are not being cooperative.
Product: Mortgage

Diagnosed with XXXX XXXX XXXX. mortgage had just been sold to new Servicer,  Midland Mortgage . I was unable to work due to weekly XXXX treatments and XXXX wouldn't start until XX/XX/2019. Husband also on XXXX. We contacted mortgage company immediately. We made XX/XX/XXXX and XX/XX/XXXX pmts. Went into the hospital in XX/XX/XXXX for XXXX. Stayed in contact with their DAC who agreed to let us make modified payments until my XXXX started. We made all those payments on time. Midland did not report anything to the credit bureaus until after we started the repayment program in XX/XX/2019. At that time unbeknown to us they reported us late for 2 instances, 60 days in XX/XX/XXXX and again 120 days in XX/XX/2019. We prequalified for another home loan before putting our house on the market at the end of XX/XX/2019. We were given a prequalification letter so continued with the house sale. After house was sold and closed, we were supposed to close on a new home within days only to have the loan pulled by underwriting due to the way Midland had reported our forbearance plan. Now we have nowhere to go and are unable to obtain another home loan. We would have never sold our original home had we known.
Product: Checking or savings account

Bank of america is not sending payment to the merchants and they were made that their responsibility. I have the proof my credit score will not be affected by this.
Product: Credit card or prepaid card

Purchase floors for my house in my home with my home depot  credit card that was in good standards for over 5 years and then all the Sutton they said I applied for a promotional rate Which have my credit bill go up to {$3000.00} finance in one day and put me behind my payment after having a car for over 5 years of no late payments paying as agreed. This caused my very good standing credit score to drop over XXXX points within one month because of the actions of this credit card. They took me to court and lost the battle. I only have to pay the original amount that was on the card for the floors Which is paid off now and I want them to be removed 100 % of my credit score they have been dragging me down for 4 years now. Im still having problems trying to get them to remove or update the credit as paid in full and remove the late fees. The balance that was due from the court order has been settled and now it is paid in full. The amount for settlement was around {$5000.00} & is paid in full within a year. Thank you
Product: Mortgage

My county tax office had not received the data to change the tax rate of my residence. I rectified this issue and sent the refund check to Wells Fargo to put in the escrow account. I went down there with the receipt of this check and explained that my escrow account needed to be adjusted for this tax change. They assured me that in the mass re-analysis on XXXX XXXX that this would be reflected. While the re-analysis has been done, and my mortgage decreased by XXXX dollars, it did not reflect that change in expected real estate taxes. This means that for 1.5 months I paid XXXX dollars more per month on my mortgage, and with this change I still pay XXXX dollars more per month on my mortgage ( the only change reflected was the refund check going into the escrow account ). I did everything within my power to give them all relevant information regarding the updated tax rate, and it is still not being reflected. This is undue hardship to expect me to pay more mortgage when I have evidence and presented it to a wells fargo office which indicates that their real estate tax expectation is incorrect. Furthermore, Wells Fargo has now twice changed my mortgage without notifying me in any way of my account needing attention or my payment being changed. They should give consumers as much warning as possible that a change is going into affect and give them options as to how to mitigate this ( i.e. one time payment, or mortgage payments increased ). It also causes un-due hardship for the lender to postpone a re-analysis of all mortgage accounts until XX/XX/XXXX. They received the updated real estate taxes in XX/XX/XXXX. If they are n't going to alert the consumer to the potential need for a one time payment, then there is no reason to wait 4 months into the new year, with the account being behind, to re analyze the payment. Now the payment increases even more because it has to make up for the negative balance in addition to the increased expectation of the escrow account. Wells Fargo should take steps to ensure that the consumer is aware that their mortgage will change, and also to ensure that they make changes at the most appropriate times in order to affect consumers the least. How Wells Fargo handled this situation could definitely cause a less sophisticated consumer to default on their loan payments, and even when I brought all relevant documentation, they have still failed to rectify the situation.
Product: Checking or savings account

On XX/XX/2023, i received a phone call from a man at Wells Fargo 's Fraud department asking if i had sent 2 wire transfers. One withdrawal of XXXX and another of XXXX. I had said absolutely not. I had felt very suspicious of this phone call so i proceeded to drive to the closest Wells Fargo bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inside I spoke with a woman asking if this number was legit. She looked at my phone and said yes that was wells Fargo 's fraud department number. 
Shortly After my Account was frozen with no further access to it by me. The balance was left of roughly XXXX dollars. 
I immediately called the number on the back of my debit card and was told i could not get help over the phone i had Togo into a branch for assistance. 
I then proceeded to another wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX for help. 
When talking to a teller and explaining what had just happened, I asked for help and he told me all bank officials are busy, handed me a business card and told me i need to make an appointment. 
Now onto the next Branch, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX where finally a gentleman helped me by the name of XXXX XXXX He helped me get access to my account and was finally able to put in a fraud claim. 
It took me over 2 hours before i could get someone at wells Fargo to help me. 
XXXX was the only person that took the time to help me. 

After I was denied getting my money back I went into the first branch where the woman looked at my phone indicating that was the fraud department, asking to get camera footage and even put in a complaint with XXXX XXXX against that branch. they denied me again and told me they dont look at camera footage like that and they asked all their employees if they spoke with me and they said no. 
I filed 3 claims and every claim was denied we even reached out to higher officials in The Fraud Department about what had happened at the first branch and no one would help us. Countless phone calls