23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I went to a Bank of America ATM at a local branch on XXXX/XXXX/16 to withdraw {$2100.00} from the ATM. I was not able to make the withdrawal since the amount I requested was over the daily withdrawal limit for the ATM. My only choice at that time was to go into the branch and withdraw the cash from my account at the teller line, which is what I did. 

Also on XXXX/XXXX/16 I went to a Bank of America ATM at a local branch to withdraw {$2300.00} from the ATM. I was not able to make the withdrawal since the amount I requested was over the daily withdrawal limit for the ATM. My only choice again was to go into the branch and withdraw the cash from my account at the teller line, which is what I did. 

The type of account that I have is an electronic only account which means that I do not get charged a monthly fee as long as I use electronic means like online and ATMs to access the account. If I do use bank personnel like a teller, I get charged a {$8.00} monthly maintenance fee on my next statement date. 

Bank of America should not be able to designate an account as a no fee checking account and then charge a fee if the transaction you request can not be completed electronically. This is like having a free parking zone for 5 seconds which is actually allowing you to park free but the functionality of the parking space is designed to charge you for practical usage. 

This practice should be disallowed at Bank of America. If an account is designated as free for electronic usage then the bank can not restrict the usage by electronic means OR the bank can not charge for in-person/teller usage if the electronic means provided by the bank does not allow your transaction to be processed.
Product: Checking or savings account

XX/XX/21 : fraudulently scammed by a woman impersonating a real estate agent. And made several payments totaling XXXX $ via Bank of America app using XXXX. 
XX/XX/21 : filed a claim on the two payments of XXXX $ for the property which I had not only been shown in person but watched the woman access the key box to enter the property to show me. There was evidence leading to her being an agent and listing the property online in the marketplace of XXXX. I have attached more than enough evidence to support my case and be refunded the XXXX $ at minimum. It cost me my home during thw holiday season. I dont have any family to stay with or help me out. I was simply screwed. The bank claimed they were not responsible due to it being a third party transaction but they own XXXX! I have more review d I have also already submitted to the bank. Ive reported the woman to authorities and filed a police report as well. I have provided all of this info and more to them with no luck of recovering my savings. I worked from a home office. When I list my place because I lost that money, I was put out of work again for the second time since Covid. Bank of America should back their customers rights and stand up to these criminals. The womans still out there stealing money from victims! She needs to be held accountable for her crime and so does Bank of America. By them denying my claim, based off of false allegations they are not affiliated with XXXX, refusing to provide me with the transaction ID so I could file with XXXX, they are stealing my money and just as much a criminal as that woman.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : American Express Gold On XX/XX/2024, I, XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

Accounts : - American Express : 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 Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

- [ ] In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

- [ ]

15 USC 1681 Section 602 States I have the right to privacy. - [ ] 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

- [ ] 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX and Experian failed to provide proof that Tennessee Dept of service has permissible purpose to report on the consumer report. 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) states that a lender must have written consent from consumer to report. XXXX XXXX XXXXXXXX is a case law that was won by a plaintiff for failure by XXXX and Experian to provide proof of permissible purpose. My next step is a lawsuit. Please remove this account due to failure to show proof of permissible purpose by the agency.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was on XXXX shopping for a puppy and I saw a merchant was selling her XXXX XXXX for {$250.00} and I have reach out to her via text message and she applied back that if I wanted the pup I needed to send {$50.00} deposit and I sent the {$50.00} plus {$110.00} and {$140.00} She supposed meet that day never show up with the dog. And gave me a fake address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Debt collection

XXXX financial filed a lawsuit for a debt they allegedly purchased from a previous company. They have never contacted me to let me know the debt was transferred prior to the lawsuit. The balance that they are allegeding that I owe does not reflect the last known amount nor does it reflect the resale of the vehicle which is required to be taken off of the deficiency balance. I was never given the opportunity to dispute the validity of this debt as I have never done business with Kino Financial co. , LLC
Product: Checking or savings account

Wednesday, XX/XX/2024 I was called by a Wells Fargo Bank fraud agent who wanted to verify a charge on my account. He asked if I charged {$500.00} at a XXXX in XXXX and i was I there? No, I wasnt. He asked if I'd used it at a XXXX for {$200.00}. No I did not. 
I was panicked and he said he'd have to close the account and start a new one. I followed his instructions, even verifying codes from a two-step text verification, which was from the same text thread as XXXX texts I'd received before. He got into my account with me and had me verify accounts and walked through steps to wire transfer money. 
He gave me confirmation numbers for both fraud cases and said hold on the line and someone would be with me. As i was holding i lost contact with him. 
I later realized a couple hours later that this could have been fraud. I immediately called XXXX 's fraud department and started a claim. The agent sounded exactly like the same person who had called before. I went through the same verification process and was afraid it wasnt the real Wells Fargo Bank. They transferred my daughters XXXX from her joint account into mine, and stole {$24000.00}. I realize how stupid this was of me. How did they know I had that amount? There have been data breaches at XXXX and they used my information to commit theft. 

Wells Fargo sent me a letter in the mail today after the 10 days they needed to evaluate the situation and said that the bank where the wire was transferred would not return the money and i was not going to get reimbursed! 

Please help me. I appreciate anything you can do. 
Thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite having used Zelle numerous times, I have encountered discrepancies that I reported to my financial institution and Zelle. Unfortunately, my claims were not adequately investigated. I was informed that recovering lost funds and tracking these transactions was not feasible, which left me feeling unsupported as a consumer. 

The CFPB 's findings reveal that Zelle has failed to implement sufficient measures to protect users from scams, allowing repeat offenders to exploit the system. This lack of accountability and transparency is deeply concerning and raises serious questions about the platform 's commitment to consumer safety. 

I urge Zelle to take immediate steps to address these issues by improving its dispute resolution processes and strengthening its fraud prevention measures. Consumers deserve a reliable and secure payment system that prioritizes their protection and trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on XX/XX/XXXX. XXXX  on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX  on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX XXXX onXX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX/XXXX on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX. ALL INQUIRY NOT MINE
Product: Mortgage

I was foreclosed on by Wells Fargo in XX/XX/2014, they were unwilling to work with me, I was as a single mom, with XXXX kids, and couldn't make my payments. I understand there is a lawsuit regarding this with Wells Fargo.
Product: Vehicle loan or lease

I tried to speak with Capital One directly, i sent them a letter, they sent me an auto response, so i sent them another letter and they just sent me the same response. I would just like a different response in response to my hardship forgiveness plea. 

I paid off my Capital One Auto loan in XX/XX/2022. I had some issues with paying on time at the end due to a XXXX XXXX XXXX and a death in the family due to XXXX. I ended up paying off my loan with Capital One and moving forward in life, well trying to. The last late payment that I received in XX/XX/2022 really messed with my credit profile. I had no idea what to do, I tried a XXXX XXXX dispute, not because I was disputing the account but because I did not know that I could be forgiveness, which is what I am doing now. 


I know that the credit bureaus will report whatever information you give them and that they regularly go back and allow creditors to forgive late payments. I am not asking Capital one to forgive ALL my mistakes. However, if Captial One can find it in their heart to forgive just one, XXXX of 2022, it would mean the world to my family and I. We are trying to purchase a home and that late payment is keeping me from doing it. Two other creditors were so kind and already forgave late payments from that month. I am begging Capital One to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 XXXXXXXX # XXXX XXXX XXXX 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 XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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.
Product: Credit reporting

Equifax reporting my name wrong also XXXX @ is hacked i no longer can get my XXXX.back because you guys are trading servises but remember CONSEQUENSES
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each CRA in regards to inaccurate accounts that has been on my report for 5 -7 years. Although the credit agency is aware that the accounts are fraud and was opened without my permission. They continue to report items that are inaccurate and misleading on my credit report. The report shows a fraudulent account open with XXXX credit card in which I have never had a credit card issued from XXXX. When I contact XXXX XXXX XXXX they informed me that the account does not exists and they do not have and account with my name or social security number. When I contact the CRA they said the account has been updated as valid. There are many discrepancies between the creditors and the CRA in which the information does not add up. I have addressed this issue over 15 times between XXXX by sending in my ID SSN and FTC report and a police report. When I contact Transunion the proceed to tell me they do not have my information on file or there do not see my FTC report in which I have uploaded on numerous occasions, mailed certified letters. The CRA is actually signing for the documents but are not uploading them to my file. I address this issue every time I call and my cries are ignored each and every time. The continously out my information in dispute in a on going cycle that never ends. They never address the issue but request for me to again send in my documents. Each CRA have done this on multiple occasion never helping me. This is ruining my life and is causing me a tremendous amount of grief and despair. I will be seeking litigations against Transunion, XXXX, and XXXX in regards to my complaints outlined in this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting false information on my report for over 2 years now. I have requested validation and investigation into the credit reporting over 5 times now. I submitted in writing, email, mail, documentation for dispute. XXXX has filed a fraudulent civil suit that was dismissed, they are violating credit laws, and keep reporting to credit agencies about an account that is past the statute of limitations. Experian has refused to follow laws and investigate my disputes. They continue to send the same generic response " the account has been verified as accurate ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMSHER COLLECTION SERVICES HAS MY PARTNERS BUSINESS ACCOUNT ON MY CREDIT REPORT. ITS FOR HEAVENLY COVE. HOWEVER THEY HAVE PUT IT ON MY ACCOUNT. FURTHER SPEAKING TO THEM I ASKED FOR THE LAST STATEMENT. THEY SAID THAT XXXX OWNED THE DEBT STILL, HOWEVER AMSHER COLLECTION SERVICE IS ON MY CREDIT REPORT. SO I DONT KNOW OR TRUST THIS COMPANY. THEY ARE ILLEGALLY PLACING THINGS ON MY CREDIT REPORT. AFTER SPEAKING TO THEM THEY MADE ANOTHER OPEN ACCOUNT ON MY REPORT WHERE IT SHOW ACCOUNT {$83.00} CREDITOR NAME IS XXXX XXXX SO IM KINDA CONFUSED TO HOW THEY ARE LEGALLY ALLOWED TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Student loan

I have a student loan which was supposedly bought by XXXX XXXX XXXX ( " XXXX '' ). XXXX uses the service provider American Education Services to collect payments and deal with my loan. I have contacted AES multiple times, over the phone and in writing, requesting documentation proving that XXXX owns my loan and I have not received any such documentation. 

AES will not allow me to speak with XXXX myself and says all communication must go through AES. They refuse to provide any documentation showing that XXXX actually owns this loan. I believe XXXX either does not own the loan or does not have any documentation regarding my loan. 

I would like help getting documentation. Thank you.
Product: Debt collection

Also use my brother to threaten me if i do n't make a payment even as I told him that I am currently unemployed.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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: Mortgage

Offer for short sale of property was submitted. Previous ATP had expired and we were working toward another ATP. No offer during the 1st ATP was close enough to bank value of home. 
Wells Fargo refused to review the offer until the " financial review '' was completed. Then Welles Fargo delayed ( intentionally ) by continually waiting long stretches of not returning messages, constantly changing " processors '', as many as 8 processors, underwriters have been on this file, each with a period of no communication. 
The worst was " XXXX '', who throughout this process failed to either return a phone call or email, in a timely manner, but mostly not at all. 
We sent an OTP and related paperwork to WF to continue with a short sale process on XX/XX/XXXX. We continued to work on this short sale, up until it was rejected in XX/XX/XXXX, for missing a document. Someone from WF Home Preservation Department called XXXX, on XX/XX/XXXX.and XXXX responded and faxed the documents. Since XXXX did not receive these documents, and I was unaware that the WF Team was calling the borrower, the file was rejected. I recent the same documents, by fax, on XX/XX/XXXX. After I found out what had happened, XXXX helped, and put in the request to be reactivated, on XX/XX/XXXX. 
Wells Fargo proceeded to change processors, and micro-examine all accounts, effectively delaying the review within days of the foreclosure sale. They even took two weeks, examining and rejecting a settlement statement from the HOA, finally at last stating that the standard settlement email, with letterhead, management company, and all parties copied, must now be a " formal '' letter on letterhead, and signed, ( note that offer has not been looked at ). 
Nothing had materially changed in the Borrower 's financial condition, and Wells Fargo knew it. 
We tried for weeks by emails and calls, to expedite the review, stating each time the impending foreclosure. WE WERE IGNORED, and when we were communicated, it was " on script '' nonsense. In XXXX, we took the fight to anyone who might listen. 
Suddenly, on XX/XX/XXXX ( sale date XX/XX/XXXX ), the offer was " reviewed '', and quickly rejected. We were told on Monday the news, and told to " get a higher offer '' WE were told " an ATP could NOT be issued, due to the " LOW OFFER '' and " TOO CLOSE TO FC SALE DATE. 
We were also told there is nothing anyone can do. 
Either Wells Fargo intentionally delayed this review, either to force it to foreclosure, or ( and also likely, considering their inability to assign and complete an easy review ) their lack of direction in this department.
Product: Debt collection

For the past few years I have been receiving notices from the company " Jefferson Capital Systems '' for an extraordinary debt. I requested verification of debt and received no response. I immediately went to the XXXX credit bureaus where I disputed and had the debt expunged from my reports. 

Last month I received another piece of mail stating that while they were not suing me that this supposed debt had been marked for attorney review. I find this extremely concerning and I am hesitant at this point to communicate further with them. 

My credit disputes were were successful on XX/XX/23. 

I was provided with the following Report number : XXXX Investigation ID : XXXX Any help in having this fully removed from my credit history and removed from my name and social security number would be very helpful.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX I don't know who this company is and I don't why they put an inquiry on my report. XXXX has removed this off of my report but it still remains on my Equifax and on my XXXX