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

On XX/XX/2022 I added some items for sale on XXXX market for a sale amount of {$350.00}. XXXX sends a message of interest of the item, I told him sure its available. He added that he will be sending me the amount asked for the item through Zelle and what was my email. I have Zelle through my bank account XXXX. When he tried to send the money, he gets a message that he cant because my email count is not active in Zelle. Me not thinking anything about it, I go to my XXXX account to verify if Zelle has all my information. I turns out that my email was not registered, only my number. So I added my email. He then process to tell me that he has send the XXXX but Zelle sends him and I a notice with the following " Unfortunately, we encountered a little problem while crediting your account with {$350.00} today because this amount seems to be above your balance limit ''. When I received this message I let the prospective buyer know that the money was not released. A new Zelle message came into my inbox stating that additional funds had been added to my account with a total {$600.00}. He message and told me for the funds to be release that I have to send the Zelle representative {$250.00}. I received an email from Zelle with the " representatives email '' title " we await verification payment screenshot. With this information I proceeded to transfer the funds through my bank. Zelle will not reimburse XXXX based on there fraud and scan policies, for that reason XXXX will not return the money to me. I believe Zelle does not protect their consumers from these scams and frauds. Zelle should make a better effort in protecting it customers from the scammers and change their policy or just close as a company that is providing a service that will not help their customer when scammed. They should do a better job or should be banned /closed for offering services.
Product: Debt collection

Collection Center-Wyoming is attempting to collect a Debt on behalf of XXXX XXXX XXXX on two separate balances. The first was opened/posted XX/XX/XXXX for the amount of {$200.00} and the second was opened/posted XX/XX/XXXX in the amount of {$140.00}. I am contesting these charges because I believe these to be fraudulent, between XX/XX/XXXX and XX/XX/XXXX I had not lived or visited Colorado for any amount of time. I have attempted to contact the company in question, but they stated that I would need to pay the debt in full and provide documentation.
Product: Checking or savings account

I have, since early XX/XX/2023, asked Citizens Bank to terminate my bank account. I drew down the funds in the account to a XXXX balance, and requested that the account be closed. On two separate occasions, the bank has reopened the account due to an erroneous charge being made on the account. In both instances, I was charged an overdraft fee and a low balance fee. After multiple hours waiting after each instance, those fees were waived. I had to bring the balances back to XXXX, and request the account be closed for good. I asked them to waive the 60 day period, and they have refused. I asked them to backdate my account closure to the initial date requested to expedite the process of terminating the account, and they have refused. I have had to call them in the middle of the night during my honeymoon to get these charges waived, as they compound after five days. I have spent approximately XXXX hours on the phone and via their online chat feature attempting to close my account. As their hours of operation of their customer service line do not extend beyond or outside of normative business hours, this constitutes a meaningful loss of time at work for me, in addition to the significant frustration caused.
Product: Checking or savings account

On XXXX XXXX I opened a Chase Bank Premier Plus Checking account. I was told at the time I opened the account that due to being a Veteran, the account was being upgraded which allowed certain extra benefits, one of which was free wire transfers. 
I sold my home on XXXX XXXX, with a sum of money deposited on Monday XXXX XXXX. I called XXXX. to inquire about effecting a few wire transfers and without asking, the service rep offered that due to the upgraded account for Vets, the wire transfers would be free of charge. 
XXXX XX/XX/2022 in went to a local Chase Branch in XXXX, CA to complete the transfers desired and was told each wire transfer would cost me {$35.00}. I protested, but as there is no manager at the branch, I accepted 2 cashier 's checks which i deposited in other local banks. I was charged {$35.00} for a wire transfer to XXXX for a service I had been told by 2 other Chase Bank employees was free. Interesting how the error is always in the bank 's favor!!!!! 
In 60 years of banking, this is only my second complaint.. .but both complaints are against Chase Bank XXXX The first was resolved successfully. It also involved inconsistent communications by Chase Bank employees. Sounds like a lack of proper training.. .or is this a similar tactic to some of XXXX XXXX XXXX profit enhancing ideas?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reached out to dispute, their was no response and it still appears on my credit report. I disputed it through experian XX/XX/2022.
Product: Bank account or service

Closed Wells Fargo Secured Card ( and my checking and savings account ) and asked that the {$300.00} that I deposited for the secured card be mailed to me. I was asked what address to send it to and I gave Wells Fargo my current address. After about 2 weeks, I called and told Wells Fargo that I never received the check. I was informed that it could take 45-60 days to mail it to me ( first I heard that )! I asked could I pick up the check at a Wells Fargo bank and told no. This is absurd to me. I wish I could make a payment I had due, if I had one to Wells Fargo, in 45-60 days. Just give me my money back. How hard is that Wells Fargo? Why are they holding it?
Product: Checking or savings account

I did not authorize this XXXX that was charged. By XXXXXXXX XXXX for Bank Of America to charge this XXXX I notified them n was wrongfully reversed plus they have for months been charging me this illegally XXXX month fee witch I have not been using any of this bank services
Product: Credit reporting or other personal consumer reports

Subject : Demand for Compensation of {$7000.00} for Noncompliance with 15 U.S. Code 1681n Dear Credit Reporting Agencys, I am writing to demand compensation of {$7000.00} for the erroneous reporting of the following fraudulent accounts, which have since been removed from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Account : XXXX, Balance : {$6800.00} ) XXXX. XXXX XXXX XXXX  ( Account : XXXX, Balance : {$35000.00} ) XXXX. XXXX XXXX XXXX ( Account : XXXX ) XXXX. XXXX ( XXXX : {$7600.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX The removal of these accounts confirms the validity of my claim that they were reported inaccurately, in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681n, I am entitled to : 1. Statutory damages of no less than {$1000.00} per violation. With seven accounts improperly reported, the total is {$7000.00}.

2. Punitive damages, as determined by the court, for willful noncompliance.

These accounts caused harm to my financial well-being, emotional health, and reputation, including the denial of financial opportunities and unnecessary effort in resolving these inaccuracies. 

To resolve this matter, I demand a check for {$7000.00} be sent to : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I expect your response and payment within 15 days of receipt of this letter. If you fail to comply, I will have no choice but to pursue legal action to enforce my rights under the FCRA, including seeking additional damages and attorneys fees. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no knowledge of this, and the company conducted them without my consent.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in 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 adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability raises serious concerns about consumer safety.
Product: Debt collection

XX/XX/XXXX-XX/XX/XXXX I was supposed to recieve XXXX on my baseball scholarship. Balance was XXXX at XXXX university. So the balance was supposed to be lower to XXXX. XXXX sent it to collection now the balance is XXXX which is the wrong a month overall. I have had lawyers and congress woman XXXX XXXX send letter to them but they have no responded. Due to lack of compliance of my dispute I would like that debt to be removed from my credit.
Product: Mortgage

Hello, On Saturday, XX/XX/XXXX, I receive my annual escrow statement, dated XX/XX/XXXX, indicating that as of XX/XX/XXXX I would have a negative balance of $ XXXX. In addition, that as a result of this negative balance, my escrow account would have a shortage of {$4000.00}, increasing my monthly payments from {$2000.00} to {$2100.00} over the next 36 months. 

My escrow balance will not be - {$1000.00} as of XX/XX/XXXX, but will be {$3900.00}. If you review the enclosed statement, it shows that as of XXXX, XXXX the balance in my escrow account was {$10000.00}. If you add the XXXX escrow payment of {$980.00} and subtract my 1st installment XXXX taxes of {$5000.00}, which is four XXXX 4 ) months late, the balance is {$6700.00}. If you review the screen shot of my escrow account, that is my current account balance. However, if you review the prior year account history, on XXXX, XXXX they incorrectly withdrew the {$5000.00} twice creating a balance of {$1600.00}. Then they added the XX/XX/XXXX escrow payment of {$980.00} and subtracted the XXXX second installment tax payment of {$3700.00} creating a negative balance of - {$1000.00}. Why would they subtract the estimated 1st installment tax payment of {$5000.00} and then subtract the actual 1st installment tax payment of {$5000.00} for the year XXXX? In actuality, if you take the current balance of {$6700.00} and add the XXXX escrow payment of {$980.00} and then subtract the 2nd installment tax payment for XXXX of {$3700.00} and subtract the {$7.00} agency fees, the balance as of XX/XX/XXXX will be {$3900.00}. 


I have had to file three complaints against this company. I am too busy and don't have time to write you every week regarding their incompetency! I am sick of this!.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding multiple collection accounts appearing on my credit report that do not belong to me. I discovered these inaccuracies while reviewing my credit report and immediately took steps to dispute them with the credit bureaus and the collection agencies involved. 

Despite my disputes, these accounts remain on my report, negatively affecting my credit score and financial standing. I have never opened or authorized these accounts, and I am requesting that they be thoroughly investigated and removed as they are not mine. 

I would appreciate the CFPBs assistance in ensuring these errors are corrected as soon as possible. Please let me know if any further information is needed to process my complaint.
Product: Mortgage

On XX/XX/XXXX18 I made an electronic payment via the companies Web site in the amount of {$17000.00} which was the amount of the payoff ( the Escrow of over {$2500.00} was still in the account ) On XX/XX/XXXX I called them because my account still did not show being credited even though the money had been out of my checking account for almost 2 weeks. Apparently they only except close to payoff amounts via Cashiers Check or Wire transfer so the payment has been in a limbo account of theirs for almost a month ... They said they would not credit my account and that they would have to return the money back to me via the same means of which I sent it to them ( in my case electronically ) and that it would take up till XX/XX/XXXX to get my money back. I told them this was unacceptable so then I was told that if I send in a bank statement proving that it had cleared my checking account that I would get the money back within 4 business days. I emailed the scanned bank statement to them and then called to make sure they had received the bank statement and they said that they received it on XX/XX/XXXX. I now just called them on XX/XX/XXXX because it has been well over 4 business days and they are now telling me that it will not be electronically re deposited into my account but via a paper check and mailed to me. They will not send it out till at the earliest the end of the week. At the time of this writing I hope that this is the case and that I do actually receive a check within about 1-2 weeks  from now ... ..although I doubt it as I have been lied to for about a month. They clearly have policies in place to keep a consumers money as long as possible without returning it to them. I find this unethical and possibly illegal. Please help us
Product: Credit reporting or other personal consumer reports

XXXX XXXX account # XXXXXXXX  is not mine I sent a dispute in and there not blocking it per the FCRA 605b I will be sending in a XXXX XXXX police report & FTC report, would like cfpb to get transunion to dispute this I tried to dispute this again and they just close my disputes after 5 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in deleting fraudulent accounts from my credit report. After reviewing my credit reports from the three major bureaus ( XXXX, XXXX, and TransUnion ), I noticed the presence of three fraudulent accounts which have severely impacted my credit score. 

The fraudulent accounts are as follows : XXXX  - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX I have reason to believe that these accounts were opened fraudulently without my knowledge or consent. I have never had a credit card with XXXX XXXX or XXXX XXXX XXXX XXXX, and I have never authorized anyone else to open accounts on my behalf. 

I firmly believe that I am a victim of identity theft, as I have always exercised utmost caution in safeguarding my personal information. However, despite my best efforts, I have fallen victim to this sophisticated scheme. The perpetrators have evidently manipulated and altered my personal information to create these fraudulent accounts, which is why I had not noticed them until now. 

As a result, my credit score has been negatively impacted, and I have been denied credit and other financial services. This has caused significant stress and hardship in my life. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. I am also aware that the FCRA requires credit reporting agencies to investigate and correct any errors or inaccuracies within 30 days of receiving a dispute. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate these fraudulent accounts and require the credit reporting agencies to delete them from my credit report. I also request that you take any necessary legal action against the individuals or entities responsible for opening these accounts fraudulently. 

I appreciate your attention to this matter and look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or documentation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested to XXXX XXXX XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreementand transaction history of how that balance was calculated. They have refused to providethis or any copies of documentation verifying this account, yet they have been willing to putthis unverifiable debt on my credit report.
Product: Credit reporting or other personal consumer reports

i sent multiple 609 letters and 623 letters requesting the false information be removed, or proven true, and that all information used to support the false inquires be sent to me by way of USPS mail as well as email, i received nothing from either of the three companies XXXX, Equifax or XXXX except letters stating that all information was true, nothing showing who or what information they used to show any of the inquires was true or accurate. just letters stating they wouldnt change anything because they believed it to be accurate. they still havent removed the false inquires from my report yet. they keep re-reporting them as new and accurate each month, year after year.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/1985 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TRANSUNION FILE # XXXX I did not authorize nor consent to the following inquiries being furnished on my consumer reports 1. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX 2. XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX - XXXX 5. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX 6. XXXX XXXX XXXX  XXXX 7. XXXX  XXXX - XXXX 8. XXXXXXXX XXXX XXXXXXXX - XXXX 9. XXXX XXXX XXXXXXXX - XXXX 10. XXXX XXXX XXXXXXXX - XXXX 11. XXXX XXXX XXXXXXXX 12. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 13. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX 14. XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15. XXXX XXXX XXXX I am sending over copy of IDENTY THEFT CASE AND WOULD LIKE ALL INQIUIRIES REMOVED ASAP
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint Early Warning Services , LLC, XXXX XXXX XXXX, XXXX, XXXX, or " XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Early Warning Services , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Early Warning Services , LLC Consumer Report file of XXXX XXXX XXXX XXXX Consumer.

USPS TRACKING NUMBER FOR THESE DOCUMENTS : XXXX
Product: Debt collection

I asked for Validation of Debt, from this company " LVNV FUNDING LLC ''. This company has failed to provide sufficient documentation to properly validate this debt. The documents they responded with and provided to me were insufficient. I, XXXX XXXX formally request a sufficient validation of this debt under the fdcpa. If not " LVNV FUNDING LLC '' can be held liable for all violations under the fdcpa and the fcra, and be liable for {$1000.00} per violation and any actual damages.
Product: Mortgage

The plaintiff Bayview Loan Servicing , LLC the making illegal summons complait to foreclosure with doubt posting a residential {$100.00} Bond. 
The complaints was not proper verified and notarized. 
The Assigment of mortgage have comflicting information.
Product: Checking or savings account

I deposited a check for settlement for the price of XXXX and Huntington held it for a week and XXXX  I was told my hold was released but still wouldnt let me in my account I called and I was told my account was terminated I went down to Huntington they couldnt see anything so they called a different building and told me my account was closed for suspected fraud how do I get my money from my check or get my account back open
Product: Debt collection

Hunter & Warfield have attempted to collect a debt that we did not owe from an apartment community. We said there was a misunderstanding and that we do not owe the debt. The apartment had agreed to waive their buyout fee, we have a signed hand-written letter and an email from the manager of the apartment proving they agreed to waive the buyout fee previously. Hunter & Warfield is now saying that the debt we owe is for the buyout fee. We then received a letter in the mail claiming to be " verification of debt owed '' which had many inaccuracies including an address to an apartment we have never lived at, and sections from the lease that had nothing to do with the supposed debt we owe. There was nothing in the letter about how to dispute it or any 30 day time restrictions. We have tried to call the number during business hours they included in their letter to work this issue out but no one has answered. They do not have proof we owe the debt because we do n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-XXXX indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( Transunion & XXXX ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, XXXX XXXX