23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

1st issue : My account became linked with a third party, someone named XXXX XXXX whom I do not know nor requested, in XX/XX/2021. Problem was resolved but without explanation of how it occurred or reassurances of account security. 
2nd issue : My account suddenly became " locked '' without notice due to what I was told were " federal regulations '' requiring me to prove my physical address. I was unable to use or access my account in any way. I was asked to send in a copy of a recent credit card statement as well as my ID, which I did. I faxed the documents and rep claimed they were too blurry to read. So I mailed them. They were received on XX/XX/2021 and I was told that I would regain account access upon review. I then received an email on XX/XX/XXXX stating that my review for identity verification was complete and all was well, however I have still not been able to log into my account. I called again today to clear the matter up and was told their records showed that I have been a member for 14 years, which I have not. I only just opened the account in XX/XX/2021. Then I was told that there was no record of my checking or savings account, so no monies in the account could be returned to me. I was asked if I thought my account could have been hacked. I would not know from their end if that is the case. No other identity theft has occurred in any other of my accounts. Clearly USAA is not safegurading my saftey as a customer. I have requested that the accounts I had with USAA be closed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuits, 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 the tracking these funds was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability. 
And transparency is acceptable and raised serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX is notoriously bad for having their offices not keep, or losing, records of customer payments and resolution when conducted in person. My bill was always paid on time, prior to my moving. I canceled my service 14 days prior to my move this was done through customer service by phone. I returned my equipment- apparently the service wasnt turned off - the office rep in person said she corrected this and my account was taken care of. I owed nothing. Now, theirs is a debt collector that is basically extorting and abusing their ability to negatively impact my credit scores if I dont pay them. This is coercion, they are not XXXX XXXX. I have disputed twice and, after researching their practices, they have a history of this kind of behavior. They should not be rewarded with a livelihood funded by consumers being extorted. I am a XXXX veteran with XXXX and this is very triggering and distressing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 U.S. Code 1028A, Experian has committed aggravated identity theft against me as they have obtained my social security number, birthdate, addresses, phone number, and alleged information from creditors including transaction history. I never provided Experian with this information and plan to report them to the Federal Bureau of Investigation for aggravated identity theft, computer fraud, wire fraud and mail fraud.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message is received successfully. In reviewing my credit profile and saw inaccurate information regarding my student loan through XXXX  XXXX XXXX XXXX University. 
The status is reporting late over 20 times. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 6 letters to the bureaus to have them send the proper validation of these alleged late payments. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This upsets me because my consumer rights are being violated! I have the right to dispute any misleading information. I saw a number of other inaccuracies as well. This inaccurate reporting goes against the FCRA Laws, does it not?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I am requesting that all the credit bureaus be updated with the correct balance. I received a notification from XXXX XXXX  that the account went up to {$880.00} on XX/XX/XXXX. My online balance reflects {$5600.00}. I called XXXX 's and the auto-recording stated the same amount. I spoke with a live agent on XX/XX/XXXX and they gave the same balance. I've disputed this thru the credit bureaus ( last month ) and they updated it before with the correct amount. I've included pages from my XXXX  and XXXX  dated XX/XX/XXXX, reflecting the correct amount. The following are screenshots from the notification and increase balance. I want the correct amount to reflect on all three bureaus at your earliest convenience. Please confirm that you have received this email. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX ( in the email I sent I provided updated screenshots ) The company responded : We received a request concerning your account ending in XXXX. We report to the credit bureaus every month on the last day of the month. Your account assesses interest on the account as well. We last updated your account on XX/XX/XXXX with the credit bureaus. Per review of the attached information, this report was pulled on XX/XX/XXXX which would not include our most recent update. XXXX 's XXXX  XXXX  XXXX. 
I wrote back : Interest does not accrue that high within days, {$880.00} is not a correct number. Please look further into my case and reply with accurate numbers. I want this corrected immediately because today is XX/XX/XXXX and that is only days from XX/XX/XXXX. 
They are showing a higher balance than when is reporting under my account when I log into the account.
Product: Checking or savings account

I was scammed by a cab driver who stole my debit card, cell phone, and PIN by making me swipe it to pay for the ride. They ended up keeping my debit card and I didn't notice until the next morning when I woke up. I had charges for on XX/XX/XXXX while I was asleep for the following between XXXX and XXXX XXXX  : 2 ATM withdrawals from the same ATM for {$480.00} & {$500.00} and another for {$23.00}. 

1 Purchase and cash back at XXXX for {$1000.00} 1 Purchase and cash back at XXXX for {$1000.00} 1 Purchase and cash back at XXXX for {$130.00} 1 Purchase at XXXX for {$81.00} I called them in at XXXX XXXX when I woke up the next morning and told them everything and that my phone was stolen. Today my claim was denied and they did not have a record of me telling the claim department my phone was stolen even though it was. I asked for recordings and they said I need a subpoena. The 2 ATMs were the same as my bank so I asked if they can get the camera footage from that and they said police need a subpoena for that. They said I need to provide more evidence to change the status but I am not in the power of authority to do so.

I filed a police report and fraud packet to my local police dept who is working on it and the bank stated if it takes more than 30 days, the claim will be closed forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having a problem with Transunion and their website for the past 8 months. First I could put a freeze on but couldn't take it off through the website. Then I thought the problem was fixed when I called in and spoke with someone who blamed it on website technical difficulties but told me to just call in whenever it happens and they would remove on put on a freeze. This time when it didn't work they would not remove the freeze and and wanted me to mail different information to them to remove freeze. This is totally unfair and unacceptable and I want vthe freeze removed and told them I wouldn't be mailing them anything. Please help now I can't apply for anything because of their system being messed up.
Product: Credit card or prepaid card

On XXXX XX/XX/2022, I filed a chargeback on my Goldman Sachs XXXX XXXX credit card against the merchant XXXX XXXX XXXX. Within a few days I supplied documentation to Goldman Sachs XXXX XXXX credit card demonstrating that the merchants did not honor the terms of our agreement which I paid for, i.e. to secure a private business loan for my company in the amount of $ XXXX. 

In the past whenever I have filed a chargeback with any other of my credit card issuers and everyone I know personally who has had to do the same, I was provided a provisional credit in the exact amount of the chargeback and the merchant had 30 days to respond prior to the investigation being closed in my favor. 

XXXX with Goldman Sachs XXXX XXXX credit card I am told that the investigation may take up to 90 days during which time I can not use my credit card. In fact the card in question has a positive balance of {$1100.00} owed to me in excess of credit limit, none of which am I able to utilize. This aberrant customer service policy on the part of Goldman Sachs XXXX XXXX credit card is an opportunity cost and punitive decision harming me due to the merchant 's foul play.
Product: Mortgage

I purchased a home in XXXX XXXX, Minnesota through an FHA loan with Wells Fargo. I was relocated for my job and listed the house for sale through a realtor. The house did not sell and my only option was to rent out the home. I had various tenants rent the property and the last tenants damaged the home beyond its value. I took them to court to evict them but unfortunately after they moved out of the property I was unable to locate them therefore I was unable to recoup any damages. I contacted Wells Fargo and spoke with a loan counselor. I was instructed to go through the short sale program and I then sent in the necessary paperwork. I was contacted by a representative at Wells Fargo saying my short sale request had been approved and to put the home on the market at a price Wells Fargo set. Months later I received a letter from Wells Fargo saying the short sale request had now been denied and that Wells Fargo already started foreclosure proceedings. I was informed that there was nothing else I could do. About a year later, I was contacted by a representative with the National Mortgage Settlement Administration and was told I was eligible to take part in a class action lawsuit against Wells Fargo for mishandling the short sale and forcing foreclosure upon the property. Wells Fargo admitted wrongdoing and lost the lawsuit. Over five years later, I am now trying to obtain a new mortgage and am being penalized with loan options because Wells Fargo is still reporting the loan as a foreclosure with a balance owing. I have asked Wells Fargo to look into how the loan is being reported to the credit bureaus and sent the appropriate documentation to them. I was contacted by a representative from Wells Fargo saying that they looked into it and it is being reported correctly. After I questioned the decision, the representative told me she did not look at any of the documentation I had sent. She told me she would reopen the case and get back to me. I have not heard from this representative or anyone else at Wells Fargo in ten days despite leaving numerous voicemails asking for a response. I am requesting help from the CFPB to assist me in getting this information corrected on my credit report so I am able to obtain a new mortgage and have the options available to me that I would otherwise qualify for. My credit and personal financial situation have suffered due to the wrongdoing and mishandling of the loan by Wells Fargo.
Product: Bank account or service

Tcf bank is constantly charging over daft fee that I fill are in appropriate charge to gouge its customers. I never opt-in for them to pay any over-draft fee. I was told even if they did n't pay the vendor requesting payment I would be charged a return fee. They need to be investigated for deceptive practices.
Product: Checking or savings account

On XX/XX/2020, TCF withdrew {$1000.00} from my checking account. The transaction showed up as a transfer to account XXXX. I contacted customer service immediately upon seeing this on XX/XX/2020 ( call made at XXXX ). The customer service rep told me that it was a transfer to another account that had a negative balance. I knew that my sister, XXXX XXXX, had a negative account due to fraudulent charges through XXXX and asked if it was her account. The rep said she couldnt disclose this information as I am not on the other account. I asked how they were able to take my money without ANY any type of notice. The customer service rep told that XXXX XXXX is on both accounts and thus, they could do that. I stated that there was an ongoing investigation with the local police department and they were made aware that there were fraudulent charges. My sister XXXX XXXX lives with my parents, has only SSD as her income, has never had XXXX XXXX  and would not be able to manage setting it up on her own. TCF was put on notice within 24 hours of the hack/fraudulent charges when these were discovered by my mom XXXX XXXX. 
I requested to speak to manager after no resolution with the customer service rep. I was transferred to XXXX and she was extremely rude and sarcastic. She told me that they have a right to take money any way they can to bring a negative account positive. I told her that I would be unable to make my mortgage payment, car payment and other payments with the money they stole from me. Her response was to ask your mother for that money back. I asked for a call back number to reach out after seeking legal advice and she said I dont have a direct line. 

On the same day, I went to my local TCF bank branch in XXXX MI on XXXX and spoke with the branch manager, XXXX XXXX. I explained the endures situation and requested to close my accounts to avoid them taking any additional money from me. I was told I could not close my accounts due to pending automatic payments. They said I could come back once all my payments were no longer pending. 

1-2 weeks later ( exact date unknown ), I received a letter ( only addressed to XXXX XXXX ) stating that I was previously notified that my account ending in XXXX was overdrawn. The notice then said that they transferred {$1000.00} to my account ending in XXXX. The account ending in XXXX is NOT associated with my name and never has been. That account is my sister XXXX XXXX account, and my mother XXXX XXXX is secondary. 
Since XXXX, TCF bank has taken XXXX SSD to cover her negative balance as well as {$1000.00} from my account. This still wasnt enough money taken to bring XXXX account balance to {$0.00}, so TCF sent her collection letters, and theyve now turned her over to a collection agency. The police investigation concluded recently and determined that her information was hacked and stolen and then sold on the dark web. Despite these findings, TCF is still refusing to reimburse her the funds that that were fraudulently stolen. TCF has been nothing but rude and unhelpful.
Product: Debt collection

Spoke to a gentleman regarding payment options he said I couldn't have that option it had to be paid in full. I explained I am a single mother and he told me to get a husband to pay my bills and hung up. I spoke to the manager regarding his staff he stuck up for his staff my phone was on speaker and my daughter heard both conversations. He had the audacity to tell me I should not have my phone on speaker. I told him it wasn't right for neither him or his staff to speak to me in that manner. Threats of suing, increasing the debt, and decreasing my credit score. I told him I want to the pay bill but in a realistic payment amount.
Product: Debt collection

XX/XX/XXXX I go into emergency room. 
I settle bills with most people except this one. 
I apply for financial aid since the hospital is a non profit. After months of me submitting emails and calls to fair oaks emergency physician I thought my debt was cleared. This is after they " reviewed '' my financial aid application which they would push off for months at a time while still sending me notices of the bill and threatening to send to collection services. 
I kept calling about this and they said they wouldn't and finally in XXXX I resolved my bill with them and it showed up as XXXX on my balance in their website. A few days later on XX/XX/XXXX they send me a statement of my account which clearly shows my balance at XXXX and it seems like everything is resolved. 

Around XXXX I get a letter from American Collections Enterprise ( dated as XX/XX/XXXX ) saying I have until XX/XX/XXXX to dispute the claim. So I called them on XX/XX/XXXX and no one answered. I called them the next day and spoke to someone who told me an email to send my dispute with the statement from the hospital that says XXXX on it. I then check my account with the hospital to see if it still says XXXX to also send as proof as it being cleared but they removed the statement online that says it, and reverted it back to the old balance from a statement from XXXX. 

I called yesterday on XX/XX/XXXX to see if there was any update with my dispute and they gave me a managers number to call who was not there that day. I called the managers number today ( XX/XX/XXXX ) and I hear the automated attendant but as soon as it finishes it says the number is not in service, which did not happen yesterday. So I called ACEI 's main phone number and hear the automated attendant and the same thing happens, it says the number is not in service. I do not know if they blocked me but I just want to remove this bill since I already had it resolved but now they won't answer me, and the hospital has removed the statement saying I owed XXXX ( I still have the paper statement that says I owe XXXX ).
Product: Credit card or prepaid card

XXXX 's store credit card by XXXX XXXX. I paid my bill online on XX/XX/XXXX before XXXX. I have an email received at XXXX XX/XX/XXXX. It was due XX/XX/XXXX. They didn't post it until XX/XX/XXXX and then charged me a late fee. Because I paid the full balance as shown on my account as due, I didn't look for any further emails ( in my junk mail for instance ) and so didn't get the late fee bills. I looked at all my credit accounts this week and discovered they have charged me {$92.00} in late fees and interest because of this. I paid the bill and called them to close the account. They offered to reverse only one fee only if I kept my account open. I do not work with fraudulent lenders. They followed up my complaint by stating I still owed {$92.00} and they are contacting the credit reporting agency. 
" Per your request, we have already closed your account on XX/XX/XXXX. 
Your current balance is {$92.00} and this information will be provided to the national credit reporting agencies. We will continue to send monthly billing statements on any remaining balance until it is paid in full. ''
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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