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

I am writing to formally express my concerns regarding sales 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 findings indicate that he has not only neglected to protect customers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about customer safety.
Product: Payday loan, title loan, or personal loan

SinceXX/XX/XXXX Greensky has refused to withdraw final payment from my bank account before the promotional expiration date ofXX/XX/XXXX after this date interest would apply at 17.99 % Start DateXX/XX/XXXX Total Purchases {$4400.00} - Total Payments and Credits - {$3600.00} + Total Fees {$0.00} = Current Pay-Off Amount {$730.00} APR 17.99 % Interest Charged this Period {$16.00} + Total Prior Interest Charged {$370.00} = Total Interest Charged {$390.00} Promotion Expiration DateXX/XX/XXXX I have attempted to have them withdraw the funds at least 5 times where reference numbers and emails were sent to me saying they would withdraw the appropriate funds.When I call they say the payment never went through. This is just a scam to bilk consumers and especially seniors to pay high interest charges.I thought at first this was a bank or loan company. Not Greensky, the XXXX, GA BBB says they are a LLC like most small companies and that provides " Loan Servicing '' BEWARE!!!! BBB has over 160 customer complaints of Greensky as ofXX/XX/XXXX.
Product: Credit card

On XX/XX/year> I was notified via mail by Synchrony Bank that my Lowes credit card account was closed for " indicative of high risk of failure to pay '' despite offering no evidence of my ever missing a payment or overdrawing the account. When contacted via phone for an explanation, none was provided. Additionally, my credit rating scores are outstanding.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX Balannce : {$410.00} XXXX XXXX XXXXXXXX Balannce {$390.00} XXXX XXXX Balannce {$0.00} XXXX XXXX Balance {$230.00} XXXX  XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Balance {$870.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

AXXXX 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 has violated my rights XXXX Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a payment of {$50000.00} on XX/XX/2022. On XX/XX/2022, my bank deducted the exact amount without reason nor any consent from me. I sent messages to try to get it back and they never answered me. They keep sending me a message asking if they could debit my account ( which they did already ) but I keep sending back email saying I do not approve.
Product: Debt collection

XX/XX/XXXX phone contact with IC SYSTEMS INC I was never given a written letter about any collections. IC systems inc is trying to forcefully make me file a police report about this said collections without informing me on how to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report on XX/XX/2019, I noticed this inaccuracy and immediately sent a letter to Enhanced Recovery. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. 

To date, I have yet to receive any correspondence from them. My certified receipts reflect that they received my dispute. They have not provided any documents that bear my signature nor have they provided the original delinquency date nor a complete accounting of the alleged debt. 

The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for a XXXX XXXX account, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? 

Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$660.00}? This number is arbitrary and lacks veracity. Enhanced Recovery is refusing to respond to my request, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, and XXXX of XXXX, I submitted documents to Equifax proving that several inquires on my credit report were not authorized or duplicates of authorized inquiries. These documents included an Police report and FTC report. These inquires included XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest credit is reporting incorrect information on my credit reports.
Product: Bank account or service

On XXXX/XXXX/2016, US Bank sent me a letter stating that, I owe them {$1200.00}, they already closed the account, but I 'm the one responsible to pay them back. It was really out of blue, cuz I 've never opened an account with US Bank. So I went to the US Bank Branch in XXXX and found out the account was opened online, and I immediately assumed that my former roommate XXXX XXXX XXXX XXXX did it as he was arrested for Identity Theft and Commercial Crime on XXXX/XXXX/2016. After his arrest, we found images of my Social Security Card and Drive License along with other victims 's on his computer. So I explained all this to the Branch manager and opened a claim for fraudulent open account. During investigation while I was there at the Branch, the Branch manager pulled out records of a few deposited checks in that closed account, including fake checks which XXXX XXXX made himself and a stolen paycheck from my neighbor. So I asked the Branch manager for copies of the check images for me to file a police report with, but she refused to give them to me, her excuse was that she did n't have permission to which was an obvious lie as they claim it was " my account '', why would n't she and I have permission to access " my own account ''? Anyway I left the branch after I filed the claim. Upon request, I followed up with my statement and a police report I made a day after at the XXXX Branch. But after a week or so, US Bank sent me a letter stating that, they closed the claim not in my favor, the accounts were not open fraudulently, and it is a civil matter between me and my roommate. After that I called US Bank many times to ask them for explanation, they could n't even give me any detailed explanation but was only basically saying that it was my fault for having allowed my roommate to gain access to my personal information, which seems like total nonsense to me. Then I asked the supervisor of the claim department over the phone to provide evidence they have to prove I was really the one who they believe opened the account, but she came up with excuses trying to avoid getting into that conversation. 
I, Ran He as a victim is being treated unfairly by US Bank whom does n't care about right or wrong, but is only concerned about regaining their loss. To me, this is not only about money but also justice that needs be justified and solved in a righteous way!
Product: Student loan

On XX/XX/XXXX, I submitted form XXXX to Navient Corporation for the settlement of account number XXXX for the full balance on the account of {$9700.00}. On XX/XX/XXXX, I received a correspondence from Navient via mail which confirmed that they received my XXXX form which was presented to discharge my outstanding debt. Navient went on further to state they were not accepting my XXXX form because it was not for the full amount when indeed it was. 

According to UCC 3-603, If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. In other words, when my payment was submitted and received for the full amount on XX/XX/XXXX any additional interest charges should not have been applied to my account and the full balance should have been paid to reflect a XXXX balance. 

The debt for this account has already been paid in full upon submission of form XXXX, in which Navient admitted they received in XX/XX/XXXX. Pursuant to UCC 3-603, If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Navient is in direct violation of the law with respect to my tender of payment! I demand the tendered payment in the amount of {$9700.00} be applied to account number XXXX to satisfy the outstanding debt to reflect a {$0.00} balance. I will take action on said violations if this is not resolved immediately!
Product: Bank account or service

When paying rent for a shared household, my roommate accidentally wrote a check for rent for the entire house on a check from my checkbook instead of his own and sent it in. When the check was cashed, it overdrew my account by a large amount, and I was charged {$93.00} in overdraft fees. I called the bank and asked that the overdraft fees be removed. I did not think that the check should have been cashed since it did not have my signature on it. XXXX My roommate signed his name ). I spoke with a few people at the bank, and they refused to remove or reimburse the overdraft fees. When I explained that my roommate wrote on my check on accident and that it did n't have my signature, I was told " who 's fault is that? '' and that they go through XXXX of checks and ca n't check all of the signatures. I felt that just because they ca n't look at all the signatures, does n't mean that the signature does not matter. I gave up arguing with them after this and closed the account a couple weeks later. I would like to be reimbursed for the overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account that was placed with Enhanced Resource Center ( corporation ) in XX/XX/XXXX regarding an XXXX XXXX XXXX cellular account that was placed in collections. I have been paying this company each month through auto-deduction from my checking account in a timely manner. I have never missed a payment. I contacted this agency on XX/XX/XXXX @ approximately XXXX, and spoke with a general rep before being transferred to a team lead named XXXX . I explained that my credit report is not accurate and they are reporting erroneously each month, as if I am not making payments. XXXX tried to explaine that because they are a collections agency, that they only report that the balance is paid in full or settled in full. I explained to him that they are reporting monthly that I am not making payments and that they are not following federal regulations, per the Fair Credit Reporting Act ( FCRA ). He stated that they follow all laws, but because they are a collections agency, that the only report on " sundays '' or monthly. Subsequently, he transferred me to the manager, XXXX XXXX. I explained the companie 's flaws and failure to follow federal laws while credit reporting. She essentially said the same statement that XXXX made. I told her that this is not federal law and that her company should be reporting each month that I am paying, instead of erroneously reporting that I was not paying. She disagreed with my statement. I informed XXXX XXXX that her company practices are not aligned with federal laws and they are flawed. To conclude, I arranged a post- dated payment to resolve my debt, so that I do not have to deal with this company ever again in my life. Their practices are unlawful, unfair, and misleading to consumers, and credit bureau agencies. They falsify information for their own personal game. Per the Fair Credit Reporting Act, this is illegal and unlawful. Unsophisticated consumers whom are unaware and are unacknowledged are at great risk.
Product: Debt collection

I have received repeated calls from a Robo caller from a company my caller ID identifies as Caci in Missouri, a debt collector.

I have picked up the calls, but no one answers.

I wish to be placed on the do not call list and receive no further harassing calls from this company. Under the Michigan law, I am documenting to give them notice to cease and desist or risk being sued for violations of law under the Fair Debt Collection Practices Act. 

XX/XX/scrub>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  ( Blocked ) I block the calls, then they call on another number to harass me. No one ever picks up, so I can not tell them to stop calling.

I have no idea what this is concerning. There has been no attempt to contact me via mail.
Product: Checking or savings account

This is the second complaint I am filing about this matter. Please see the attached sanction on XXXX XXXX XXXX. I have also attached the letter sent by CHASE BANK, which brought me to filing yet another complaint. 

I do not know why Chase continues to give XXXX XXXX XXXX money from my account, when I told them on several occasions that these people stole {$1800.00} from me. They then had the nerve to refund me only {$330.00}. 

I have filed every complaint known to man in XXXX on XXXX XXXX XXXX : The FTC, The FBI 's XXXX, XXXX, and even the state 's bar of these alleged attorneys. 

I am tired of having to deal with reversal of charges because these people are contacting Chase lying. They were not given authorization to debut my account.
Product: Money transfer, virtual currency, or money service

I repeatedly had trouble logging in to my Albert account & had to request numerous password changes. Albert locked me out of the account. On XX/XX/2023 I began communicating ( via text ) with Albert Support to get the account unlocked. An account specialist reviewed my account & informed me they suspended my account. When I requested the return of the funds in the account I was told I would need to request a reversal of the direct deposit to access my funds. I did as requested & the direct deposit going into the account was reversed. However, there was a cash balance in the account before the direct deposit occurred & it remains in the Albert account. I repeatedly tried unsuccessfully to talk to a live person & was told that Albert had determined that texts & emails were the best way to meet their customers needs. Albert texted we can not provide any further information or details regarding the funds in your account, and we can not remove the suspension that has been placed on the account. This is unacceptable & illegal to refuse to refund the balance in my account. I have provided Albert with my bank account information so that the balance could immediately be returned to me. They are no longer responding to texts.
Product: Checking or savings account

On XX/XX/XXXX, I went to XXXX XXXX  and got a cash advance for XXXX with a processing fee of XXXX. That evening I noticed a duplicate charge for XXXX. I immediately called and made a claim with chase bank. They gave me a temporary credit, and on XX/XX/year> they took that credit backand denied my claim. I called that same day XX/XX/year> to have a XXXX escalate the claim for review and was denied again. I also spoke with the processing center for XXXX XXXX  and was told they only had XXXX transaction on that date. Chase will not give me my money back.
Product: Bank account or service

Comerica Bank charged me {$6.00} for Bank On-Line fees in error. They only credited me {$13.00} even though they over charged me for over 2 years!
Product: Checking or savings account

Last month I received a child tax credit check from the IRS and went to Mobile deposit it through the app which I had done with the previous one with no problem, but this one for some reason it kept telling me that it couldn't read it for days I tried and it kept telling me it couldn't read it and finally I got it to accept it and later that day I got a message saying the check couldn't be verified and was not deposited and that I could take it to a third party to cash it such as XXXX. But because for mobile check deposit when you endorse the check you write for deposit to chime only on the back of it XXXX told me they wouldn't take it and chime recommended that I contact the IRS to reissue the check. So I did, but the IRS wouldn't reissue the check they said they would split it up into the remaining checks that would be received. So a month later I got another check and went to mobile deposit it and I wrote very clearly on the back of it for deposit to chime only so that it wouldn't have a problem reading it only to find out that my mobile check deposits had been disabled which I was not notified of. So now I had another check that was endorsed for chime that I couldn't do anything with and I spoke to customer support at chime supervisor after supervisor until the last person told me they were the highest person to speak to and were telling me that they could not turn on my mobile check deposit. That they could evaluate eligibility for mobile check deposit at any time and disable it at their discretion. But this person was telling me that for no reason whatsoever could they turn it back on and this was disabled due to nothing on my part it was chimes system that aired and rejected the check that caused it to be disabled on my account and all I was told over and over and over is that chime reserves the right to determine your eligibility for mobile check deposit at any time but they couldn't turn it back on so due to chimes error I've now had two checks that I can't put in my bank accountand as I said the XXXX at my location absolutely will not do it and so now I have two checks that I have not been able to do anything with except have them canceled by the IRS and wait yet another month to see if they add it to the next one they send
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX - XX/XX/2023, I filed a dispute with XXXX, Equifax and XXXX about the unverified collection account of XXXX XXXX and XXXX XXXX. I have asked numerous times for investigation of these unverified accounts and after numerous attempts it continues to be reported on my consumer credit report by all three bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved from these bureaus about this inaccurate account as of today. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/19 my cash app starting sending me text notifications that my pin was changed and my phone number has been changed. During this time I had not been in cash app or using cash app for quite some time. When I checked my cash app I noticed several transactions of removing money from my bank account adding it to cash app, then buy bitcoins. None of these transactions have I authorized, no one had my phone or was using my phone and I didn't speak with or give any of my personal information out over the phone. Now I have {$3500.00} sitting in cash app that I can not retrieve. Cash app deals with millions of dollars and they can't even have a customer service person to speak with over the phone. You have to email them, which seems very suspicion to me. And no one emails you back timely. In this day and age anyone could be on the other side of that email. I believe someone within Square inc and the cash app company are stealing peoples money and making it look as if the user is sending it to themselves so the bank can't reverse the charges. They are scammers and fraudulent and my consumer rights have been violated. I would like to have this company investigated and my money returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Rep, The credit reporting agencies XXXX, XXXX, and Equifax are reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. They are : 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  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report. 

Thank you.