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

Fraud on XXXX transfer of money. The crook spoofed the customer service number of XXXX XXXX XXXX on XXXX XX/XX/XXXX. He asked if I made a XXXX transfer on specific date, dollar amount and to who. I have never used XXXX on my accounts. He wanted to help stop and cancel the transfer. I said I would call XXXX myself. I hung up and called XXXX customer service and noticed that the caller had he same number of customer service. I left a message for XXXX fraud department. Shortly I received a call back, only it was the crook again. I trusted that this was indeed the bank. They led me through a service of cancellation number, which turned out to be a transfer of money from my checking account. XXXX has an excellent fraud detection department and tagged and paused the transfer to XXXX. The caller asked if I had XXXX on other accounts and I replied Wells Fargo. He had me log into this account and the same series of numbers, which he said were cancellation codes. I received a text from Wells Fargo that my account reached XXXX balance. I told this person, who I thought was XXXX XXXX XXXXXXXX. He then hung up. 
I immediately contacted XXXX. They were excellent and " failed '' the transfer. 
Wells Fargo opened a claim for the {$980.00} removed from my checking account illegally. 
They followed up with a series of 3 letters, the last one stating they closed my claim. 
I followed up with them on XX/XX/XXXX with a phone call. Wells Fargo did submit a request from the receiving financial institution to have the funds returned. This has not happened.
Product: Checking or savings account

In XXXXXXXX XXXX XXXX, I was involved in identity theft and fraud. My wallet was lost and stolen ( XX/XX/2023 ). The perpetrator attempted to make various purchases with my credit cards and debit cards, along with opening several new accounts and applying for loans. 

A police report was filed and all 3 bureaus were contacted to put a freeze. For several months I would receive new and various letters from several banks and companies about a new account being opened or some kind of failed transfer. I have dealt with XXXX, XXXX, XXXX XXXX, and XXXX to name a few. 

In XX/XX/2023, I received letter documents of activity from US Bank with my information. I reached out to US Bank to confirm whether someone opened an account with my information and was told there was nothing using my name or social security number. I told the representative my name is being used for fraudulent activity and checks that are attempted to be processed. They would assist me, because they claimed I was not their customer and they couldn't find any information. Even when supplying information of the fraudulent activity they denied recording, because they could not verify me. 

A month later in XXXX, I received another letter communication from US Bank. This time when I reached out, I am being told that US Bank has an account with my information. I requested the account to be closed and explained what happened previously. 

Rather than assisting me and closing the account after verifying my information, I was told I need to fill out a packet which will require a notarization. 

This account was opened online with less credentials than required in person and to close it US Bank is requiring more information. This is a huge inconvenience to me when other banks have complied and taken responsibility for the lack of security and verification. Banks such as XXXX have closed my account and issued letters of confirmation, however, US Bank is unwilling to cooperate and making closure of the fraudulent account difficult. 

The failure for US Bank to properly verify my information upon account creation is entirely the responsibility of US Bank and the closure shall be too. I should not have to go out of my way for the errors due to US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that I dont recognize that I never seen before I didnt authorize anyone to pull my credit report and is affecting my credit negatively
Product: Checking or savings account

On XXXX I deposited a check for {$390.00}. Initially Chase said the my funds wouldnt be deposited on the XXXX and then changed it to XXXX. After speaking with customer service, they were able to contact the issuing bank and verify the check. However the two representatives I spoke with both claimed that they could not verify the check makers number in their private system and still refuse to give me access to my funds or cancel the deposit so that I can cash my check elsewhere. They also refuse to call the company that issued the check in the first place because none of the numbers can be verified in their system. One rep told me that the verified number is the one that the company uses to register their business with the state. However, even after I looked up that number, they continue to tell me its not verified.
Product: Credit card

I am writing to formally lodge a complaint against Bank of America concerning a credit card dispute. Despite my efforts to resolve this issue directly with both the merchant and Bank of America, the matter remains unresolved. The details of my complaint are as follows : Disputed Amount : {$8800.00} Merchant : XXXX XXXX XXXX Date of Dispute Initiation : XX/XX/year> I have been a loyal Bank of America customer for 17 years and have consistently maintained an excellent payment history. However, when I encountered an issue with an unresponsive merchant, Bank of America failed to protect my interests and uphold its commitment to its customers. 

Details of the Dispute : I was charged {$8800.00} by the merchant for services/products that were not provided as agreed. Despite multiple attempts to contact the merchant, I have received no response or resolution. I subsequently raised this issue with Bank of America, expecting their support in this dispute. Unfortunately, Bank of America 's response has been inadequate, and the matter remains unresolved. 

I am seeking the CFPB 's assistance in ensuring that Bank of America fulfills its obligation to protect its customers and resolves this dispute promptly. Attached to this letter are copies of relevant documents, including my credit card statements, correspondence with the merchant and Bank of America, and any other supporting materials. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

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

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

American Credit Acceptance is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Product: Credit card

I obtained a Micro Center credit card through Wells Fargo late XX/XX/XXXX. Wells Fargo refuses to let me access online banking. I was able to set up an online account, but I can't get an authorization code because Wells Fargo won't send it any other way than via a text message to a physical cell phone. I don't have a cell phone. I have a XXXX XXXX account that accepts text messages but Wells Fargo won't accept that. I have never had this problem with any other bank, all other banks will either send a code via email or by text message to my XXXX XXXX account. I was told by phone today XX/XX/XXXX that they won't send me the code any other way.This is totally unacceptable.
Product: Other financial service

The credit repair firm unauthorized my debit account XXXX times for {$13.00}. The initial amount to be debited from the account for the credit report fee was suppose to be only {$12.00}
Product: Mortgage

To Whom It May Concern : After changing " Bill Pay '' with my financial institution I received another form letter from XXXX XXXX Senior V.P. Wells Fargo Home Lending raising again my mortgage from {$1500.00} to {$2000.00} due XX/XX/2019 Perhaps if to those to whom she delegated would resolve matter explained to them and advised to contact XXXX XXXX XXXX County Auditor 's Office @ XXXX XXXX for further info First, one amount then followed up with higher amount! Wells Fargo does not have its clients in mind other problems I have had with their Dealer Services. 
Please be advise other complaint on file sorry for any inconvenience. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, S.C. XXXX
Product: Credit card

I have paid in complete the XXXX borrowed amount of {$19000.00} three months before the stipulated time, and for the Credit Card to claim interest of {$230.00} as of today as Principle is wrong and deceitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I had previously put a freeze on my credit monitoring with Experian. I am now trying to lift the freeze because I am trying to buy a house. However, I can not get the freeze lifted through their website. When I try to get to a live person for assistance, I either get put in an endless loop of difference recorded messages or the call gets dropped. I have also tried to establish a new membership. I have mailed the required information twice, but have not received a response. 

I have been working on this for several weeks, with out success. I'm sure this could be resolved quickly if they would either respnod to my letter for a new membership or I could get to a live person.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

On XX/XX/XXXX I filed a complaint # XXXX as Experian has stopped computing and publishing my XXXX  score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my XXXX  scores for 7 months now. After investigating with XXXX XXXX XXXX XXXX, where I do have a XXXX  Mastercard account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from XXXX XXXX XXXX  certifying that they do properly report to Experian all my financial payments. In addition, I can see some of my financial data appearing within my online Experian account ( scree capture of today attached ) where the year XXXX and XXXX are fully missing. This is the proof that Experian knows about my account at XXXX XXXX but do not investigate on the failure cause and resolve the issue.
Product: Mortgage

We had a home several years ago that we had to let go because we owed more than it was worth. It was a rental property -- we tried so hard to get a loan modification but neither the XXXX or XXXX lender would work with us ( they pretended to but in the end demanded so much paperwork over & over again that we finally realized they truly were not serious ) Because we were retired we could not compromise our savings feeding the alligator on this home. The XXXX was held by Green Tree. They continue to call us night & day demanding payment ( over XXXX years ago it went & sold at sheriff sale ). When we pick up the phone it is a recording. When we call back we think we receive someone speaking outside of the United States. They are truly harassing us!!
Product: Credit reporting or other personal consumer reports

The credit bureaus are mishandling my credit files. There are 3rd parties listed on my credit reports giving out fraudulent information. The credit bureaus are in violation of the Fair Credit Report Act of 15 USC 1681 Rule 624 in that they are governing the unfair and fraudulent reporting from these third parties. Under Rule 624 - the opt out rule - I am asking that all third parties not report any information on my credit report. I am asking that my credit report only reflect the relationship/outcome/status from the original creditor only. I did not sign any papers giving any creditor collection company relationship in any of my credit affairs. To have a 3rd party person of whom I have not signed a relationship with ; of who I did not receive a service nor product from violates my 14 Amendment Rights to equal Citizenship. You do not have 3rd parties reporting on other XXXX XXXX  who are given positive credit ratings. I am due the same rights with my negative ratings as well. This is equal XXXX rights. When I fail to pay a financial dept the laws of this country have penalties in place to sanction this type of wrong doing. That debt is repaid by 7 years of retaliation from others not even involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then for you to allow collection companies to purchase my debt from someone else and expect me to pay them violates my constitutional rights.
Product: Credit card or prepaid card

Since XX/XX/XXXX of XXXX my account has been withdrawn of - {$400.00}. I have never authorized them to let payments go through when there isnt any monies in the account. I have complained and I am willing to make arrangements if need be. But I have accessed overdraft fees and Im not willing to pay that.
Product: Credit card or prepaid card

BBVA advertises special offers to credit card holders. They are called " Simple Cash Back '' offers. Customers can view their offers and enroll at bbva.usa.com. I enrolled for an offer on XX/XX/2021. The offer was to get {$50.00} cash back after making two purchases with XXXX XXXX XXXX wireless. I made the two purchases but because of the way that XXXX XXXX XXXX split up the charges, the offer was not automatically triggered. I have contacted BBVA seven different times by telephone and by online secure message to get this corrected. After spending hours on hold, and twice being told that a supervisor would call me back only to never receive the promised call-back, I have concluded that it will not be possible to resolve this issue through the changes that BBVA has made available. I have yet to speak with a single customer service representative who know what a " Simple Cash Back '' offer is. This is despite the fact that BBVA advertises these offers as a feature of their credit card products ( see https : //www.bbvausa.com/digital-banking-services/cash-back-rewards.html ). When I call the number listed on BBVA 's website for questions about these offers, I am told that I must call a different number and talk to the credit card division. When I call the credit card division I am told I must call a different number and talk to the rewards division. When I call the rewards division, I am told they can not see any offers on my account. I have submitted receipts and screenshots of the offer via secure message ( see attached screenshots ), and in response I was told, once again, that I must call the credit cards division. I have asked twice to have this escalated to a supervisor, and the representatives on secure message simply ignore these requests ( see attached screenshots XXXX.
Product: Credit card or prepaid card

I have had a Walmart Credit Card through Synchrony Bank for two years. I have always paid on time and never been late. I recently started working on my credit to purchase a home. So I have been paying my balances off every month. On today I received a email from XXXX XXXX that my Walmart account was closed. I was not aware it was closed, never received a letter or notification that the account was closed. I called the XXXX number and was told the account was closed because XXXX   Credit Bureau sent them negative information on my credit report. I asked them was my account closed because XXXX XXXX will be taking over in XXXX and was told no it was because I had late payments on my credit report with XXXX. I asked the representative why would XXXX report to them, since they originally pulled by credit report through XXXX  and my credit score was lower than it is now and I had filed bankruptcy. The representative could not explain. I am filing this complaint, because my credit report will reflect this account being closed by the company and negatively affect my credit. How can a company close your account without even notifying you?
Product: Checking or savings account

Back in 2021 mortgage company was saying they didn't receive my payment from Wells Fargo but since then I had to open up another account thinking it was fraud.. But find out later it was due to Wells Fargo fraudulent charges almost went into foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a hard time getting XXXX to remove this fraudulent account. Not only that it is in accurate. The dates on XXXX and XXXX are different, all reporting credit Bureau 's must be accurate on all bureaus. XXXX reads high amount {$1800.00} XXXX reads high amount {$2500.00}. In Accordance with Fair Credit Act XXXX XXXX  acct # XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent. I did not sign any documents ; I was never provided any documents showing my signature, or anything from dispute results with XXXX XXXX dispute. Credit bureaus provided no documentation showing how they validated the accounts. Without documents anyone could have open these accounts. That is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I did my annual credit check, and found on there listed that I had made 13 consecutive missed payments on an account. I called the bank immediately and tried to rectify the error. I also have two other credit accounts with this bank and both are exceptional status and paid automatically. I told the bank that I had never received a notice of late payment, or any notice that my account was so far behind, no billing statement, and that my online account showed I owed nothing ; which was different from what they were reporting to the agency. I also told them how ridiculous it sounds for me to not have paid {$4.00} for 13 months, while making payments on my two other accounts for 10x that amount, monthly. They didn't change it. I filed a dispute with XXXX  the same day. On XX/XX/20, XXXX informed me the dispute was complete and no change was made. The error remains on my credit report, and has dropped my score 50 points in 10 months.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, I am not liable for these debts. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
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 ) ( TN CHILD SUP # XXXX ) ( TN CHILD SUP # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has all violated my rights.

15 USC 1681 section 602 A. states I have

the rights to privacy. 15 USC 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 c. ( 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 crimes which antedates the report by more than seven years.

15 USC 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. 
Also, I have not supplied proof under the doctrines of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists or is verifiable.