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

On XX/XX/XXXX, I received a phone call from a gentleman who I later found out had spoofed US Bank 's customer service number, and he pretended to be someone who worked in the XXXX XXXX XXXX department. He told me that they noticed two charges in Florida at an XXXX store and a XXXX and wanted to see if those charges were by me. I do not live in Florida, so I told him those were not me. He proceeded to say that they could get those stopped, and just needed to send me a two step verification code to ensure I was the account holder. I did not give them any personal information, I simply read the code back to them which gave them access to my bank account, which they then locked me out of. 

On XXXX XXXXXX/XX/XXXX, the scammers called me again and said there had been two wire transfers out of my account and they were looking into it. They completed a $ XXXX wire transfer from my checking, and used my credit card to put a cash advance into my checking so they could take a second wire transfer of {$3700.00}. 

When I hadn't heard any updates by XX/XX/XXXX, I called in to US Bank, which is when they informed me the person I had been talking to the entire time did not actually work for US Bank. In all, I did not authorize the wire transfers to be taken out of my account and at this point the money was gone. 

I filed a claim with US Bank the night of XX/XX/XXXX and the claim officially went on the record the morning of XX/XX/XXXX. US Bank send me a letter XX/XX/XXXX saying that they tried to recoup the total of {$13000.00} from XXXX Bank where the money was transferred, but XXXX was not able to return the funds. Due to this, US Bank said I am out of luck and will not be getting my money back. This outcome is completely unacceptable as I DID NOT authorize these funds to be taken, and I am doing everything in my power to get my money back. The amount of time and stress this ordeal has caused seems to be endless, and I feel stupid for even answering the original call. For anyone else reading this - if your bank ever calls you hang up and call them back to ensure it is real!!
Product: Credit card or prepaid card

On XX/XX/2022, I set up a new payee on Serve Bill Pay service an initiated a bill payment for {$120.00}. During that process I was informed payment would be paid by check thar would arrive by XXXX/XXXX/3022. 

XXXX came and went and the check was not received by merchant. The same was true for XXXX - XXXX, so I contacted Serve again and I was told they couldn't do anything until XXXX. At this point the merchant requested alternate payment method, the so we paid merchant via XXXX XXXX and the funds were in their bank within minutes. 

On XXXX, the merchant received paper check from XXXX XXXX XXXX XXXX. They had already been paid so they returned the check to us via XXXX and we received check on XX/XX/2022. 

We endorsed check 'Not used for intended purpose. ', signed check and submitted it for XXXX XXXX with our bank, XXXX, and on XX/XX/2022. 

XX/XX/2022, We received notice that deposit was not accepted because our name was not the Payee. My name is on the check in the upper right corner where the account name would appear. 

XX/XX/2022 Contacted Serve and requested they cancel payment and return funds ( {$120.00} ) to my Serve account. This time I was told to wait another 7 days and then the could cancel payment and return funds to my account. 

XX/XX/2022 XXXX XXXX Customer Service and after being transferred several times the call was dropped and I still don't have the money on my account. 

XX/XX/2022 XXXX XXXX Customer Service and this time I was told the payment could not be voided or canceled as it was in their Dispute Department so he would cancel dispute and I should call again in two more days. 

XX/XX/2022 XXXX XXXX Customer Service and I was told that I could go online or in the Mobile App and cancel payment. I am tried both and neither had a cancel button. 

XX/XX/2022 XXXX XXXX Customer Service again. This time the agent wanted to send me back to XXXX Department which could take another 10 days. I requested to speak to a supervisor. They placed on hold and eventually told me someone would call me within XXXX minutes and the confirmed my contact number. 

XX/XX/2022 No calls from Serve and the {$120.00} has not been returned. I have call logs from XXXX and XXXX showing XXXX phone calls to Serve Customer Service for a total of XXXX Hrs and XXXX Min. and I still don't have my money. 

I don't know what's going on but American Express should know how to void a bill payment and return the funds to their legal owner and it should not take weeks and require XXXX phone calls. I have the check and could send it to them if need be. There is no reason they should be able to hold my funds in limbo without paying interest or late fees. 

Please help me to get this resolved. I don't know if I can deal with another call to Serve Customer Service. I hope that you can help prevent others from going through this nightmare. 

I have call logs and more details if necessary.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against IC System Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against IC System for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** IC System has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that IC System ceases such practices immediately.

4. **Failure to Provide Disclosures : ** I.C. System has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by IC System, and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between IC System and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of IC System. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I attempted to withdraw funds from my investment account with MoneyLion. The app showed me a balance in excess of {$320.00} however it would not let me take a draw. 

I contacted MoneyLion via their contact form and was instructed to call to discuss my account. The balance available was confirmed with the agent over the phone who casually indicated that she didn't know why I couldn't take a draw and would escalate my concern. I was advised I would hear back in 2-3 business days. 

Upon their written request, I submitted screenshots of the app showing the error message provided. Meanwhile, the balance in my account has steadily declined as a result of market conditions. 

It is now XX/XX/XXXX and I do not have any further response from MoneyLion despite my repeated attempts to follow-up and my balance continues to decline through no fault of my own.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  : XXXX, XXXX  : XXXX has violated my rights. 



I looked at my Experian, XXXX, and XXXX credit reports on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 accounts is inaccurate.
Product: Credit card or prepaid card

On   XXXX   XXXX   XXXX    , Citibank credit card company sent me a letter stating that their records show that I was previously enrolled in a company program called  Credit Protector  for which Citibank charged me a monthly fee. The letter then states that if I was enrolled in this program without my knowledge ( I wa s ) t hen go to their web site to submit a refund claim. When you go to this web site, it does not let you submit a claim. My reference number is **************** and the  Tracking Number  is  XXXX
Product: Money transfer, virtual currency, or money service

I'm 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 seek appropriate redress for these violations.
Product: Checking or savings account

After 7 years banking with Wells Fargo, I Recieved a letter stating that they are closing my account and that its a business decision. I called and went into the branch only to be told that its a business decision and they cant tell me anything other than that. This account closure has stalled my business, and damaged its reputation. I buy and sell cars. I cant pay rent, cant pay my bills, cant pay anything because Wells Fargo decided to close my account. They did not give me a legitimate reason for closure. They also refused to provide a XXXX  report upon closure. Stating that they can not provide one to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I do not recognize these accounts and I did not authorize them. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

unauthorized ; inaccurate information ; inquiries and collection INQUIRIES________ COLLECTION NOT MINE- 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 XXXXXX/XX/XXXX
Product: Debt collection

Ally discussed my account and debt with someone who called ally about their own account. 
This person found me and shared this call with me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX - BALANCE {$220.00} Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$350.00} Account Name : XXXX # XXXX OPENED XX/XX/XXXX - BALANCE {$770.00} Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$1700.00} Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX -BALANCE {$1500.00} Account Name : XXXX XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$4000.00} Account Name : XXXX XXXX XXXXP # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$15000.00} Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$170.00} Unauthorized Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXXBalance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

On XX/XX/XXXX, I mailed a money order, in the amount of {$100.00}, to XXXX Chase Card for monthly payment due on the XXXX. When I received my XXXX statement, there was a late fee, in the amount of {$38.00}, charged. 
I called the company, on XX/XX/XXXX, to ask the reason. I was told because they " received it on the XXXX ''. 
I explained that the law is the mailing is effective/valid as of the date stamped on the envelope, by the United States Post Office . I further explained that I do not have control over or can account for when the USPS delivers mail, or, when the company receives it AND/OR DECIDES TO OPEN mail! Therefore, they must remove the late fee and cease and desist charging late fees for payments postmarked on or before the due date. 
They refused and claimed they only charge according to when my payment is " digitally received. ''
Product: Money transfer, virtual currency, or money service

Zelle scammer posed as a bank bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Wells Fargo Bank the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of Wells Fargo improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical Wells Fargo ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and Wells Fargo aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, XXXX ( who runs private servers on the open internet with admin and XXXX leaving millions of Americans private information exposed including my own ) and XXXX are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, XXXX Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that Wells Fargo send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans with XXXX have been paid in full. I spoke with XXXX on XX/XX/ and and XXXX XXXX XXXX XXXX said they notified XXXX, XXXX and Equifax that these loans were paid in full on XXXX XXXX stated they sent me a paid in full letter on XXXX XXXX XXXX  which I NEVER RECEVIED. I had spoke to XXXX, Equifax and XXXX all of them said that XXXX NEVER CONTACTED THEM STATING MY LOANS WERE PAID IN FULL. ATTACHED YOU WILL SEE WHAT XXXX SENT TO ME BY EMAIL. THEN I WAS TOLD ANOTHER PAID IN FULL LETTER WOULD BE SENT TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Mortgage

Subject : Request for Review and Adjustment of Mortgage Payment Due to Unnotified Increase in Homeowner 's Insurance Premium Dear Sir/Madam, I am writing to express my concern and seek resolution regarding a significant and unnotified increase in my monthly mortgage payment, which I discovered while compiling documents for my XXXX tax filings. My mortgage payment has unexpectedly increased by {$290.00} per month, a change I was not made aware by any parties involved. Upon investigation, I learned that this increase was due to a rise in my homeowner 's insurance premium in XX/XX/XXXX, as well as adjustments in property taxes.

My homeowner 's insurance is paid through an escrow account, with my mortgage company listed as the lien holder with the insurance company. Thus, the increased rate was paid without my prior knowledge or consent of the increase. This adjustment led to a shortfall in my escrow account, resulting in the mortgage company back billing me for the deficiency. My monthly payment increase {$290.00} from XX/XX/XXXX to XX/XX/XXXX. 

My mortgage company was contacted without an explanation yet and upon my investigating the matter and contacting my homeowner insurance provider, I was informed that the rate increase was attributed to inflation. While I understand that inflation affects us all, the lack of notification about this increase is particularly distressing to me as a single female homeowner. It is important to note that pay increases from my employer have not been commensurate with inflation for many years, making this unexpected financial burden even more challenging. 

Despite several lengthy discussions with the insurance company, and while minor adjustments were made, I was ultimately informed that the rate increase could not be altered. It is worth mentioning that I have not filed any claims, nor has there been any financial output or loss to the insurance company to justify such an increase. 

Given these circumstances, I respectfully request a thorough review of my account and an adjustment to reset my mortgage payment back to the rate I had budgeted which is a more manageable amount. The unauthorized and unnotified increase, which solely benefits the insurance company, raises significant concerns about the fairness and legality of this practice. 

I trust in your commitment to customer satisfaction and fairness, and I hope we can find a mutually agreeable solution to this matter. I am more than willing to provide any additional documentation or information required for your review. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  requested my score from  XXXX  bureaus. The reporting agency was Equifax.   Equifax  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  reported a  XXXX   Score  of  XXXX  I pay Experian for my monthly score, they reported  XXXX   XXXX   XXXX   XXXX  reported  XXXX  Why is it that when I request a loan, the scores are significantly lower than the scores that are made available to me otherwise?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Wells Fargo Bank has reported incorrect infomation on my report. This account has never been late. In XX/XX/2018 Wells Fargo sent me a card I did not apply for and used my infomation with someone else who had the same name. I went up to the Wells Frago branch close to me and showed them the card manager assisted me and apolojized. I filled out a one page form that sttaed I didnt apply for any credit with Wells Fargo. In XX/XX/2018 my credit report shows a late paymnet 30-59 days late. This is incorect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX : company name who I now see is rated F by the XXXX. So I may purchase a vehicle then submitted 1 credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are XXXX XXXXXXXX Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Ally inquired hard on my credit 3x consent wasnt given for any of these.
Product: Credit card or prepaid card

Capital One has denied me credit by not even following their own guidelines for a credit increase. See attached paperwork for information