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

The email between tax preparer and tax payor got hacked.

Tax Preparer got an fake email ( pretenting it is from tax payor ) giving instructions for direct deposit for tax refund money from IRS and state into bank account. Fake email contained fradulent account number.

IRS has sent money to fradulent account but with Tax Payor 's correct name.

Even though there was correct Tax Payor 's name, Wells Fargo bank did not match the name on the ACH transfer and name on the account number so just deposited the tax refund money into fradulent account. 

If Wells Fargo matched the name of the tax refund and name of the account like most other banks do, this fraud have been stopped. But Wells Fargo Bank 's LOOSE policy of not matching the name We called Wells Fargo Bank to correct this transaction, ( just returning the money to the IRS ) but no action from them yet.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received money into my PayPal 's XXXX account from my PayPal XXXX account for the services I had used from my business. The amount of {$14000.00} was received in the form of two separate transaction of {$4800.00} and {$9900.00} ( before PayPal fees ). Despite submitting all the supporting documents to PayPal they have limited my access to my funds for well-over 72 hours now. 

This has caused severe loss to my business as some of the bills we have to pay have been delayed on the account of this limitation. Not only some of our bills are going unpaid, but they are accruing penalties and fees for delayed payment. 

Refund of the amount to the sender ( myself ) is not an option because, PayPal refuses to reverse the hefty 3 % fee they charged for this transaction. So I am pretty much stuck. PayPal is literally holding my money to ransom.
Product: Money transfer, virtual currency, or money service

On XXXX of XXXX, Wise decided keep my account closed and make refund payment. I have not received my money till now. They have not make it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion account for XXXX XXXX it is showing two loans, and both loans being 5 months late. I only have one loan and it is current. XXXX said they are aware of the problem but do not know when they will fix it and it is ruining my credit.
Product: Mortgage

I have a XXXX loan with Caliber Home Loans. I have made all my payments to the company as well as escrow shortages. They in turn put my money in wrong accounts and with that show my delinquent and that has directly affected our credit. I have place numerous calls to them from the initial date of the issue. XX/XX/21 to date and have gotten no resolution.
Product: Money transfer, virtual currency, or money service

I made a claim to Santander Bank and I explained to them that someone hacked into my bank account and they managed to steal {$540.00} from my bank account and transferred it to theirs. I told them that i never shared my login credentials to anyone and they asked me other questions but i cant remember what they asked but then i get the results in my mail and they basically said that my claim was denied due to inconsistencies
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor is this Chapter XXXX BK is mine. I have attached a letter. I am also a XXXX XXXX  XXXX XXXX Veteran in which I am exempt from all student loans. I have attached a letter for that as well.
Product: Vehicle loan or lease

I have a Chase Auto Loan account for a leasing vehicle. XXXX XXXX XXXX. The lease started on XXXX XXXX, XXXX. 
The payments for this auto account/ease are split in XXXX : XXXX payment comes directly from my Chase account, and the other comes from XXXX XXXX XXXXXXXX via checks. Both payments are set to be sent out before the due date on the XXXX of every month. 

On XX/XX/XXXX I received an email from Chase Auto Loan that my payment was 11 days late. ( attached ). 
On the same day, I checked the account and saw the " Your payment 's past due '' message and also a late fee charge of {$7.00}. 
I contacted them via phone and I asked in regards to the issue. 
I was informed that the company had some delays but that the account would be updated shortly and the late fees removed. 
I was also advised to send any proof that the amount of {$150.00} from XXXX was sent on time. I send a screenshot of the account showing payment sent on XX/XX/XXXX. I was advised to wait a few days to see the updates on my account. 

Since then I have been contacting Chase auto loan almost every week, sometimes twice a week because the account never updates. I was then asked to send a copy of the check sent by XXXX, which I did, showing that the check was sent on XX/XX/XXXX, and indorsed and stamped by Chase Auto on XX/XX/XXXX. 
Again I was told numerous times that after sending the check copy the account would be updated in a few days and the late fees removed. That never happened. 
On XX/XX/XXXX I had to call again because the new payment for XXXX was due and late charges fees were not removed yet. The Customer Service removed the late fees while I was on the phone and again confirmed that the missing/delayed previous payment from XXXX would be updated shortly. 
On XX/XX/XXXX I went to my local branch to ask for support and they assisted me by calling again to the same department that confirmed that the check from XXXX sent on XX/XX/XXXX was received payment recorded and balanced updated, and they could see all payments, yet my account still showed a total amount past due of {$310.00}. 

Meanwhile, I started to receive letters from Chase Auto that indicates that I am falling behind with payments. 

As of today XX/XX/XXXX, my account shows a new message for another late payment of {$150.00} and soon new late fees will apply to my account. Again this payment was also sent from XXXX on time on XX/XX/XXXX ( screenshot attached ). 
The only updates on the account are the payments coming directly from my personal Chase account of {$150.00}, but the payment from XXXX appears missing even though they are endorsed and recorded. 

Chase Auto Loan Supervisor assigned to the case : 1 ) XXXX XXXX XXXX ( that promised to call back and never did ) 2 ) Superviros agent nummber XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX 1 ) XXXX XXXX 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall NOT furnish any information relating to a consumer to any consumer reporting agency if the consumer knows or has reasonable cause to believe that the information is inaccurate. These items must be DELETED immediately and a rapid re-score is requested. I have written to all of these agencies multiple times especially XXXX XXXX XXXX asking them in writing to please validate this debt with a copy of any signed original contracts or agreement with in 30 days. I have not received anything from them. Ive even called all 3 major credit reporting agencies and still have had no action on their part. Ive put a fraud alert on my social security number. Ive submitted proof that I filed a fraud report and they have refused to remove these items that are not mine. All they are doing is calling me nonstop since Ive sent them a written dispute with updated information.
Product: Checking or savings account

Wells Fargo owes me a check since XXXX 2023 & it hasnt arrived to me at all. for 4 months I called them straight & custome service pretends like they shipped it. They stole money from my account & they were sending me money as part of their settlement & then didnt follow through.
Product: Credit card

I have been a discover credit card holder since 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

This was my XXXX credit card that established my credit history as of 2012. 

XXXX months ago, without any warning and notice in advance, the company closed my account ( and also my checking account with Discover XXXX and thereby severely affected my credit profile and credit score. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. 

Upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX without a just ground. I believe that CFPB is or will be getting more similar complaints in the nearfuture. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put to an end. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. The persistent presence of these inaccuracies is causing me significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The fraudulent items that have appeared on my credit report are having a detrimental impact on my creditworthiness and overall financial stability. I initially identified these discrepancies and have since made several diligent attempts to have them corrected through your organization. Regrettably, my efforts have not yielded any meaningful resolution. 

I initially submitted a dispute request to have these fraudulent items removed on [ Date ], providing all the necessary documentation and evidence to support their inaccuracy. To my disappointment, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second dispute request, reiterating the evidence that these items are indeed fraudulent. However, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the severe consequences these fraudulent items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to rectify this situation. I expect a comprehensive and impartial investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their impact on my credit score.

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Please assist me to remove the following inaccurate 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
Product: Credit reporting or other personal consumer reports

I am asking for your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being XXXX XXXX, I requested forgiveness for these payments, which they agreed to, but they are still marked as late. Despite my attempts to follow up, I have not received any updates, and this is my last option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?
Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit card

I did not take a cash advance. A merchant coded a regular transaction incorrectly as a cash advance. I am disputing the nature of the charge. I understand Capitalone will process based on the merchant. Merchant made an error. I asked capital one to reverse the fees and interest as they do have control over their own fees. They are unwilling to reverse these fees even though it is their own fee and I did not authorize this transaction.
Product: Debt collection

In XXXX of 2023 I was checking my credit score and it took a hit of about XXXX points. I pulled my credit report and XXXX showed XXXX had a delinquency of {$100.00}. It was from a XXXX account that I do not have, and it was turned over to a collections company ( Jefferson Capital LLC ). 

I immediately reported it as fraud to XXXX and XXXX. Within a few days my XXXX credit score was restored and the charge was removed from my credit history. To this day XXXX is still saying the debt belongs to me, but will not provide me with any details such as account number, when/where the account was opened. 

Several months ago I contacted Jefferson Capital through their website and have yet to receive a response. 

This fraudulent account was opened while I was not in the United States, I was stationed in XXXX with the XXXX XXXX. 

Also, Jefferson Capital LLC has never called me, emailed me, or mailed me. XXXX has never called me or contacted me via email or post. Obviously this means my phone number ( which is not even a US number ), address ( Which is not in the US ) and email address were not used in opening this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is something crazy with my credit! I made a report after I noticed that there is more than 1 account on my credit report that is not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX Recently, I did an Investigation on my credit report and found several items on there to be inaccurate.

It's ridiculous that this erroneous account is still reporting on my credit reports.

Under 15 U.S. code 1681e ( b ) Accuracy of report 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.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately :
Product: Credit reporting or other personal consumer reports

11th REQUEST!!!!!! 

I received a hard copy of a letter dated XX/XX/XXXXXXXX  from XXXX XXXX XXXX ( Compliance Specialist ) from XXXX XXXX XXXX XXXX XXXX. Whereas they are reporting me being excessively late on my credit report several times, the letter ( on their letterhead ) states that I was ONLY LATE ( 2 ) times -- XX/XX/XXXXXXXX  and XX/XX/XXXX. I have written to and called your company several times ( each month since XX/XX/XXXX ) to get this resolved and NOTHNG has been updated. This account ( although paid off now to avoid further reporting errors ) is still showing up on XXXX and Equifax as a POTENTIALLY NEGATIVE status. I have pleaded with your company to investigate this matter and get this deleted ASAP!! Please note that XXXX XXXX has a history of reporting fraudulent information to their customers ' credit reports as publicly noted within their website reviews. In desperation, I even wrote the President of XXXX XXXX for assistance with no resolve, to date.
Product: Checking or savings account

my account was hacked with a total of {$1300.00} totaling for charges with XXXX eats and XXXX rides over a 5 day span..one day a total of {$880.00} the bank never alerted me to these transactions and the only way I discovered is because I looked into my account to check for my XXXX XXXX Frost bank has been very rude and not sensitive to the situation and I can not get a straight answer from anyone., I have turned in all the paper work they provided to me and they still are not cooperating ... Every time I call to speak with the person in charge of the investigation she is never available. These charges began on XX/XX/year> and continued until XX/XX/year> ..I have a savings and checking in that bank and I feel like I have been treated unfairly and basically accused. I have XXXX XXXX XXXX on a fixed income no way I would have used my funds for XXXX eats and rides... This is Frost bank.. I need help because I can not afford to give up XXXX
Product: Credit reporting or other personal consumer reports

i recently pulled my credit report and noticed that someone has been applying for credit in my name. i have filed a police report/ FTC report and have notified the XXXX credit bureau 's of these inaccurate false reporting accounts : in accordance with the FCRA the list of accounts below has violated my ferderally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record until
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a car and they used my information improperly