23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I am confident that someone is tampering with Vanilla Gift Card. In the following I will give you my reasoning. 
I received a gift card on my birthday around mid XXXX. As you can see in the picture the card was bought 3 days before the birthday party. Once I opened the card the last 4 digits of the card was not visible. I tried to reflect the card in the light and was able to retrieve the last 4 digits by checking the vanilla gift card website and try couple of times and I saw that it had XXXX $ balance. Also the packaging has never been opened, so I was really the first one you opened the package. 
I wrote the card number somewhere safe and kept it at my desk. 
Today, almost 2 month after by birthday, I tried to use the card at local store. The card swiping did not work ( red flag ), but I ignored it and I said I will try to purchase something online with the card given that I had the numbers. 
I tried to check the balance to know how much I can spent ( I forgot the original value ), when I entered the number at the Vanilla Gift card site, I saw that there has been a purchase done to the card at some XXXX  store 2 weeks after the card was purchased. You can see in the attached document. When I called vanilla gift card they asked for the receipt of purchase ( very unreasonable ) to even start investigating this obvious fraud. I will try to talk to the person who gave me the card to retrieve the receipt and see if something might happen. But this clearly shows something is wrong with VanillaGift card company. The support center is very shady and I had this problem where the last 4 digits was scratched before but since the balance was so low I did not bother to pursue. 
I think the scam scheme involves someone tampering with card numbers and swiping magnet and then later getting the exact equivalent from a XXXX  store.
Product: Checking or savings account

I have been trying since   XXXX   to get  Wells Fargo to s top sending copies of my monthly checking account statement to the  XXXX   XXXX  where my mother lived. She died in   XXXX  . Despite numerous attempts since   XXXX  ,  Wells Fargo  continues to send the statements to the  XXXX   XXXX  and they forward it to me and return it to the post office. I do not want my account details released to the public in that way. It is a violation of my privacy and can cause identity theft or other fraud. On  XXXX   XXXX , I wrote to  XXXX   XXXX  at  Wells Fargo h eadquarters about this problem and got no response. I also wrote to  XXXX   XXXX . On  XXXX   XXXX , I wrote to  Wells Fargo off icial  XXXX   XXXX  and received no response. Today on  XXXX   XXXX , I received the  XXXX  statement addressed to my deceased mother as POA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several unexpected loan inquiries on my credit report on XX/XX/2021 when I arrived at the dealership with my own financing from my credit union XXXX XXXX. These unauthorized inquiries included : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Also XX/XX/XXXX, XXXX was another unauthorized inquiry as I already had approval from XXXX XXXX on this day.
Product: Mortgage

Company : GMFS Mortgage. 
This is about unauthorized charge for PMI from my escrow account. 
In addition to monthly mortgage payment I sent additional payment towards principal in XX/XX/XXXX to meet 20 % down payment so that I can request to cancel the PMI. My payments were processed by XX/XX/XXXX ( Transaction pages are attached for reference ). I called GMFS customer service and made a request to cancel the PMI. My PMI was cancelled on XX/XX/XXXX ( Cancellation confirmation letter from GMFS is attached for reference ). On XX/XX/XXXX, GMFS debited {$240.00} for private mortgage insurance disbursement. I called GMFS customer service to understand this charge and made requests to refund it, but after several calls ( many times the customer service responses were poor and disappointing ) they said, " that was the payment due for PMI ''. Please note, there was no payment due for PMI, I explained it to the customer service representative. All previous PMI payments were made, this can easily be verified from the transaction pages attached. I made request to transfer my call to supervisor as my request to refund unauthorized charge remained unresolved. They said they can not transfer my call to supervisor, but they said they can setup call back from supervisor. I agreed for the call back option and they said I should get a call from supervisor in next 48 to 72 hours. I did not receive call back from them at all. 
I made call back requests on these dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Till date the issue is unresolved. I request you to investigate this issue and have GMFS refund {$240.00} to me.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and there are multiple different spellings across all 3 credit bureaus also my address is and has been the same forever however it is not on all 3 bureaus and multiple unknown addresses appear as well as multiple jobs and phone numbers and that is the only number Ive had as an adult. As well as multiple multiple collections that do not belong to me as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies have cost me a XXXX  mother so much hardship in obtaining much needed credit to provide me and my family a place to live and means of transportation amongst other things.
Product: Checking or savings account

On XX/XX/year>, between XXXX XXXX XXXX XXXX XXXX  I attempted to make a deposit at a Citibank ATM located on XXXX XXXX in XXXX. Since I do not understand XXXX, I followed the icons displayed on the ATM screen to complete the transaction. After inserting my bank card and entering my PIN, I tried to deposit cash. However, due to my inability to understand the English instructions, I pressed the Check button. A slot opened below the ATM, and I placed XXXX {$100.00} bills ( totaling {$500.00} ) into the slot. The slot closed immediately after. 

Shortly afterward, the ATM prompted me to retrieve my bank card. At that moment, I realized I might have made an error, but the cash was already inside the ATM. I repeatedly inserted my card, hoping to reopen the slot, but the cash could not be located. 

I took photos of the ATM, including its ID number ( ID # XXXX ), and contacted my family for assistance. My family helped me call Citibank and report the issue. Over the phone, the bank staff, assisted by a translator, assured me they understood the situation and asked me to wait for their investigation. 

On XX/XX/XXXX, I personally visited the bank to follow up and provided the details again. The staff submitted an investigation request on their computer. Since then, I have been waiting for updates from the bank, but no substantial progress has been made. 

During this period, Citibank sent three letters : XX/XX/XXXX XXXX : Thank you for contacting us regarding the above-referenced checking account on XX/XX/year>. Please rest assured that we are reviewing your inquiry and will contact you in writing with the results of our investigation. 
XX/XX/XXXX XXXX : Thank you for contacting us regarding the deposit of {$500.00} made at the ATM on XX/XX/year>. We have completed our review. Our records indicate that there were no cash discrepancies at the relevant time and location. 
XX/XX/XXXX XXXX : Thank you for contacting us regarding the above-referenced checking account on XX/XX/year>. Please rest assured that we are reviewing your inquiry and will contact you in writing with the results of our investigation. 

I received each of these letters XXXX days after the mailing dates. 

This is the full account of what happened. During this time, I have visited the bank several times, but there has been no resolution or clarification of where the {$500.00} cash I deposited went. 

I am now seeking a clear explanation. Where is the {$500.00} cash that I deposited into the ATM? 
Did the ATM malfunction and consume the cash? 
Did a bank employee intercept the cash during processing and fail to report it? 
Or does Citibank assume that a customer like me, who doesnt understand English, can be easily deceived and has decided not to return my money? 

In this era of advanced technology and information systems, banks have access to sophisticated monitoring systems. Can this issue truly not be investigated and clarified? 

I demand a definitive answer. How can cash deposited into an ATM simply disappear? 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a self lender acct in XX/XX/XXXX for credit improvement. I agreed to pay {$50.00} monthly for 12 months, any the end of the 12 months I would get my money back, in the meantime each month when payments are mad it is reported to all 3 credit bereaus as positive reporting. On XX/XX/XXXX I received an email stating my acct has been closed, and I was notified my credit score dropped 120 points. When I contacted self lender they stated they would need to look into it, as I did my research I realized once my checking acct was closed due to fraud the payment did not automatically go through for XXXX. Self Lender reported that I had not made a payment since XX/XX/XXXX to all 3 CRAs! This information is inaccurate, and is currently and drastically effected my credit score. I have contacted self lender 5x and it has been over a month, and yet they still have no answer, and I was told they are working on the issue with their banking partners. This needs to be fixed ASAP or I am seeking legal representation!
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquires that were not authorized by me and need to be Immediately removed. I have contacted Transunion by phone and sent numerous disputes regarding this inquires. XXXX refuses to delete these unauthorized inquires off of my credit report. These unauthorized inquiries are keeping me from obtaining credit. My report contains credit inquiries that I never authorized. I request that the following inquiries be deleted immediately : XXXXXX/XX/XXXX, XXXXXX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit card

We have a Bank of America CC account that has been closed and are making monthly, automatic payments. In XXXX of 2023 their system did not properly withdraw a payment of {$210.00} from our account on two different occasions but we were never notified. Upon getting our statement we noticed this issue and made a double-payment in XXXX to become current but by that point their system had registered us as '30 days late ' and reported this to the credit bureaus. The error seems to be with their system but they refuse to admit this, correct the problem, or provide us with any information proving otherwise- they have effectively stonewalled us and told us that their company has a policy of 'not issuing credit corrections ' even when they have made a mistake. This has severely hurt our credit and needs to be adjusted. In the attachment you can see us attempting to make payments and additional payments made once were were notified of their bank error.
Product: Vehicle loan or lease

I purchase car from us auto sale XX/XX/ that included a service contract for extra $ XXXXFrom the beginning of getting this car it already had problems and within 30 days of purchase needed repair for over {$1000.00} XXXX XXXX XXXX I contacted service claim to have car checked.Found out us Auto no longer paying and my car was transferred to Westlake financial.I contacted them and they stated they were not honoring any warranty or service contracts from us auto.and I was responsible for getting it fixed.XXXX .On or about XXXX I called Westlake asking to remove the service contract {$3000.00} from total of my car because they never honored when my account was transferred from us auto.Westlake financial stated I now have a service contract and gave me number to XXXX XXXX.I called and XXXX XXXX said that my service contract is no longer valid because over mileage as original service contract.I explained I had called Westlake months ago and was told didnt have a service contract and having same issue as I had before us auto transferred accountXXXX requested I send documents that I had problems previously while car was under mileage.I sent and no one has responded or trying to fix car, Also ask Westlake about trading car in.Westlake stated my car is only worth {$2000.00} through XXXXXXXX XXXX.So while am I paying over $ XXXXXXXXto Westlake for a car they say only worth $ XXXX. 
Also it seems as though the cost of the car is now higher seem as though this company are not honoring any payments I made to us Auto before transferring because total is higher and none of the money im paying now really never go to car itself it is being applied wrongly a scammish way of keeping me in debt
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASH APP ( BLOCK , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit card

I am a victim of identity theft, and have been battling creditors since XXXX 2015. My son, XXXX XXXX XXXX used my personal information to open up several credit cards under my identity. The fraud was exacerbated by the fact that at the time he lived with me and my wife at XXXX XXXX XXXX XXXX, Ca XXXX. On XXXX XXXX 2015 I filed a formal police report and had a Fraud Affadavit notarized as recommended by both the XXXX Police Department and the Federal Trade Comission. I notified all creditors with claims against me of the facts and thus began my lengthy ordeal navigating this mess. I understand things are confusing as we both have the same name and the statements were sent to my mailing address, but this was all perpetrated by my son whom has confessed to it and takes responsibility. 

I have done alot of research and consulted with several consumer finance attorneys and understand that as a Victim of Identity Theft I have several rights and protections under both state and federal laws. Out of all the creditors only Discover Bank has brought legal actions against me, and also after being formally notified and being provided copies of both the law enforcement report and the fraud affidavit continue to disregard the facts set forth in this case. The willfull negligence and blatant disregard of the facts are concerning as they continue to find me liable for this fraudulent debt, and continue to pursue collection activity in violation of my rights under the Justice for all act and the protections handed to me by Ca Penal Code Section XXXX and Civil code XXXX -- -
Product: Debt collection

amount owing was XXXX amount settled was {$300.00}. in XXXX payment to XXXX XXXX. 
XXXX was paid XXXX XXXX XXXX was paid XXXX XXXX for XXXXXXXX XXXX
Product: Checking or savings account

I deposited a refund check from my insurance company ( XXXX ) of {$3900.00} on XX/XX/year>. I attempted to login to my online banking on their mobile app, I got a message that says " User Suspended. '' I contacted HSBC about getting access back to my account, they have refused. I have no access to my money that was already in my account, no access to the check they are holding. They are claiming that it will take them another five business days to investigate. There still is no guarantee that my account will be unfrozen on Monday XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK USA/TARGET CREDI Dont have a contract with my signature Contacted bureaus and they failed to present contract with my signature. I don't have record of account
Product: Credit reporting or other personal consumer reports

There was a fraudulent account opened in my name at XXXX XXXX. This was discovered through my bank letting me know my credit line had been decreased from XXXX to XXXX due to a passed due bill that was paid off right away and my credit score. The person who stole my info opened an account last year, charged about XXXX to it and obviously never paid it back. This was reported on my credit score and disputed with the company I did my credit score through. I have been trying to get in touch with XXXX XXXX  to file a dispute. I have called several times each time waiting on hold for more than an hour at a time. The very little human interaction I have had has been transferring me about with no help towards my issue. The first time I called and sat on hold for almost XXXX hours and then was hung up on my someone and not contacted back thus having to start the process all over again. This is insanely frustrating and causing a large issue. Please help
Product: Credit reporting or other personal consumer reports

I am not responsible for the debt with XXXX XXXX XXXX I've told them that this is identity theft and that I am not responsible for this debt and they refuse to remove it from my credit report. Also it shows that it was a loan and I've never borrowed money from them they removed the amount and I want this off my credit report
Product: Money transfer, virtual currency, or money service

On theXX/XX/XXXX I transfered XXXX to Coinbase from my bank account ( XXXX XXXX, which should take 2 business days, as it was a XXXX. My bank says that coinbase have the money, but it is not showing on my Coinbase balance.

I have contacted Coinbase, and logged this issue with them ( XXXX ) I did this on theXX/XX/XXXX They sent me an email back which was of no help, saying just to wait and see what happens. 

I am very worried that I have been a victim of fraud. I hope you can help me.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX  XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 
Thanks.
Product: Debt collection

Ive disputed this debt with this collection agency on several occasions ... They have not sent me or verified the amount I truley owed to these apartments and could not show records of the apartments tenancy after I moved out. This apartment was leased to another individual shortly after i moved therefore I do not owe the remainder of my lease which this company has reported to all the major credit bureau 's for some time now.. collection agency is capstone credit and collections
Product: Mortgage

To whom it may concern, My wife and I have repeatedly reached out to Chase Bank in an effort to get them to correct this matter. I 'm asking for PROOF. 
Chase Bank has continued to refuse to act. They 've collected mortgage insurance premiums, but according to HUD, My wife and I DO NOT have a FHA home loan. Chase Bank wrote that they researched the matter and found that our case number with FHA was cancelled due to non-endorsement, and FHA REFUNDED OUR MONEY to XXXX. I 've repeatedly asked that PROOF be given to my wife and I that the money was sent to us or applied to our account. 
According to Chase Banks response, case number XXXX, they replied with " Your loan closed with XXXX, and we began servicing your loan on XXXX XXXX, XXXX, based on the terms and agreements you established with XXXX. Our records reflect that XXXX refunded {$1700.00} to you by sending a check to you on XXXX XXXX, XXXX. Due to the age of the transaction, and the fact that we do not have XXXX historical records from that time period, we 're unable to provide a copy of the check. 
Chase Bank also responded on XXXX/XXXX/XXXX to case number XXXX with " On XXXX XXXX, XXXX, the United States Department of Housing and Urban Development ( HUD ) cancelled your case number due to non-endorsement. We 've enclosed a copy of our previous letter dated XXXX XXXX, XXXX, and a copy of the letter sent from XXXX dated XXXX XXXX, XXXX, for your records. " This letter that Chase Bank sent from XXXX dated XXXX XXXX, XXXX states " If you paid any upfront FHA insurance premiums at the closing of your home loan, they will be REFUNDED AND APPLIED TO THE PRINCIPAL BALANCE of your loan. " So, which is it? 
I 've emphatically stated that we did not receive a check from XXXX. 
The letter provided by Chase Bank from XXXX says the refund of {$1700.00} would be applied to our principal balance. 
Chase Bank wrote that " Our records reflect that XXXX refunded .... '' And in the same sentence wrote " and the fact that we do not have XXXX historical records from that time period '' AGAIN, WHICH IS IT? either you have the historical records or you do n't! 

This clearly shows a blatant attempt to deceive and mislead us, and I 'm demanding it is investigated by the proper authorities. I 've enclosed a copy of the letter from XXXX to ACTUALLY PROVE what was written. 
Since Chase Bank allegedly does not have XXXX historical records, perhaps they can review the history of our account and show where OUR MONEY was applied. 
This is a criminal act called theft. XXXX took our money, failed to properly secure our endorsement from HUD-FHA costing me thousands. XXXX continued collecting mortgage insurance premiums until XXXX of XXXX. 
Chase Bank purchase XXXX, and says our money was refunded. PROVE IT. 
The next letter Chase receives will be from our lawyer!
Product: Credit reporting, credit repair services, or other personal consumer reports

The name on my consumer report XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and any other spelling of my name is incorrect except : XXXX XXXX XXXX The addresses on my consumer report XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX any other address is incorrect except XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employers XXXX XXXX, XXXX By XXXX and XXXX on my consumer report are incorrect
Product: Checking or savings account

square restricted and closed my account for no reason. and are holding funds
Product: Debt collection

I opened this loan with Exeter finance in XXXX of XXXX. Total amount was XXXX. I volunteered repossession of the vehicle in XXXX. Exeter closed my account XXXX. Exeter stated I owed XXXX on a car I payed 4 years on that started out with XXXX balance. Did any of my payments go towards the car loan out of XXXX 4 years give or take. Exeter sells my debt XXXX XXXX XXXX XXXXXXXX has the debt date amount listed wrong on my credit report they have as if I opened the loan XXXX thats not accurate. Vehicle was sold I was told by Exeter finance after repossession. I dont have any information on how much the vehicle was sold for no proof. Debt went from XXXX to XXXX. Im not sure of any accuracy with this debt. The dates are incorrect and amounts. I lost this car during the pandemic due to loss of job. I feel this company bought this debt they need to provide accurate proof of the debt and provide accurate information to the credit bureau.