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

I initiated a domestic wire transfer for {$13000.00} on XXXX, XX/XX/XXXX through Wells Fargo Bank, where I have been an account holder for approx 30 years. Wells Fargo called me at XXXX CST to verify the wire transfer. I hung up after providing her the necessary information to verify the wire transaction. 

However, the representative in a completely unnecessary and RETALIATORY MEASURE proceeded to RESRICT ACCESS to my account as I received ( XXXX ) emails that she had changed the following : XXXX ) Your delivery preferences have changed XXXX ) Your XXXX  ( XXXX  ) or XXXX ( XXXX  ) service has been cancelled as of XXXX XXXX ) We have restricted access to your online banking service to help limit unauthorized activity to your account. 

This was AFTER she had already authenticated my bank account, so there was NO reason to do what she did to my bank account! 

In addition, the wire transfer was a VALID transaction initiated by me! This was completely unnecessary and I want her at least reprimanded and/or re-trained on her customer service skills. I spent another 30+ minutes not only re-stablishing access to my own account, but to RE-VERIFY the wire transfer yet again. 

I am tired of these banks who fleece us, taking advantage of customers by forcing them to send wires w/ additional fees because their ACH transfer limits are miniscule. Wells Fargo already has XXXX  of dollars in fines for their scams and I'm surprised they are still operating at the rate of fraud they commit. It is only a matter of time before they go belly up which is why I am in the process of taking my business ELSEWHERE. 

I also hung up on them after verification because when I myself was scammed, ( i.e. on XX/XX/XXXX in the amount of {$400.00} ) the bank made ZERO effort to return those funds to my account, so I found it ironic that they now pretend to be concerned about my wire transfer after I had validated it twice while making this wire transfer transaction ONLINE. 

This was not standard protocol, nor was it necessary and I would like for this customer service rep to be reprimanded. The Compliant Reference the " manager '' provided for this is Complaint ID XXXX.
Product: Checking or savings account

On XX/XX/2020, while checking my account balances, I noted the SUM total of my accountant, was in the process of being transferred, to someone named XXXX XXXX XXXX, via XXXX ( I have never used XXXX and I am not familiar with this person. I immediately called B of A customer service ( C/S ) and advised them of what I saw transpiring. After filing a Fraud Complaint, I was told to call back the next day, to get my credit cards reissued and a new savings account set-up, to allow for a " temporary '' credit to be issued to me, until an investigation could be completed, into the " STILL PENDING '' transfer of my savings monies. 

I called B of A back the following day, as requested and was shocked to hear, B of A went ahead and " COMPLETED THE UNAUTORIZED TRANSFER OF THE TOTAL AMOUNT OF MY SAVINGS ACCOUNT ''. The following day when I called B of A ( C/S ) to get a status of the previously promised " CREDIT '' to my savings account, I was told it would not be forthcoming, because I HAD AUTHORIZED THE TRANSFER OF THIS TOTAL SAVING ACCOUNT, TO THIS PERSON NAMED XXXX, WHICH I DO NOT KNOW. 

Over the next ( 2 ) weeks, I received untruthful and contradictory statements from B of A personnel, when attempting to gain information, into my stolen/missing funds. At one point when I called, I was told to cease calling B of A because, " this matter is closed and that there is no reason for any further discussion, into the matter. 

Feeling shocked and angered by the entire episode, I contacted B of A ( C/S ) again of XX/XX/2020 and spoke to another ( C/S ). She said she would look into the matter for me. After remaining on hold for ( 10 ) or ( 15 ) minutes, the presentative told me, she saw NO EVIDENCE of me filing a Fraud Report or investigation into the theft of my savings and that she had MADE THE FRAUD DEPARTMENT ISSUE A COMPLAINT ( XXXX ). 

Over this entire time ( 2 1/2 months ), I have received a number of strange phone messages and electronic emails, that were denied as being sent to me by B of A ( I have copies of each and every email as well as recordings of the telephonic messages. 

Can you please help me, in determining why this has happened to me. I am a ( XXXX ) year old XXXX patient, with no financial resources left, after the theft of my stimulus check funds ( {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the credit report agency XXXX XXXX, Equifax and XXXX. I requested an extension deferral on my car loan with XXXX in XXXX of XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!
Product: Credit reporting or other personal consumer reports

Its been 3 months and Equifax tech support has failed to respond and fix issues with my Equifax login they told me they had deleted the account and I need to recreate a new account in order for the login to work in XXXX when I went to do as instructed and create the new account the online portal told me that an existing account already exist and when I try log into the old account it give me the same blue screen saying cant complete your request at this timecall customer care I have put in over XXXX support tickets after this and Equifax have failed to fix my online portal so that I can login. Every time I call consumer affairs all they do is tell me that they have to put in another support ticket and send to the tech team and these tickets are not getting answered Im not having any help and my online Equifax login still is not working keep getting blue screen saying Equifax cant complete my request
Product: Credit reporting

XXXX {$320.00} was paid and clearedConfirmation number is : XXXX
Product: Credit reporting or other personal consumer reports

Ive made several attempts to Experian credit reporting agency who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. A lot of this reporting is my private business which Experian has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ).

I request that my state ID reflect my only address that's reachable to me per United States Postal Services. 

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. Experian is in violation of the following : 1. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 2. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy 3. 15 usc 1692e - False or Misleading Representation 4. 15 usc 1692c - Identity Theft 5. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party 6. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods 7. 15 usc 1635 - I always have the right to recission 8. 15 usc 1681b - inaccurate false reporting 9. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( 3 ) reporting agencies 10. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND.

*THIS IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES.
Product: Debt collection

I sent Portfolio Recovery Associates a letter on XX/XX/23 requesting them to send me a Debt Verification letter for an alleged debt that they are claiming I owe. They sent back correspondence not pertaining to the Debt Verification letter.
Product: Debt collection

I had a voicemail from a recording saying it needed to be taken care of in a certain amount of time, so I called the number back. A woman who supposedly works for a law firm said I owed {$1800.00} for a line of credit from someone I've never heard of. Then she threatened to take me to court if I didn't pay. Asked about a payment plan, and she said I would have to pay {$55.00} a month for 22 months, and she needed the 1st payment now. Told her I'm unemployed and broke, she threatened to take 25 % of what I have in the bank monthly, and said if I sold any property or anything else I owned, she could take 25 % of it also. Said I had 24 hours to make 1st payment or she will have to get a judgement through court.
Product: Checking or savings account

I was charged XXXX overdraft fees due to them allowing the charges to go through. When I called to see how I opted in for the protection ; which is not a standard pratice of myself. They mentioned this is automatically added onto this type of checking. If I interpreted the FDIC law regarding overdraft protection this is a service that consumers should opt-in if this is something that they would like. However, this was added into my account without my consent.
Product: Debt collection

This is about Portfolio Recovery trying to collect on a debt of {$630.00} that has been paid. Portfolio Recovery is reporting a Charge off derogatory debt on my credit report that I paid on XX/XX/2018. The original account number is XXXX. This is the same account number listed on my credit report. In XXXX I spoke with a respersentive from Portfolio Recovery and advised them that the debt they are reporting for {$630.00} is not correct and has been paid. My debt was original to XXXX XXXX for XXXX was being collected by the law firm of XXXX XXXX and XXXX. I paid XXXX XXXX and XXXX in full the {$400.00} I owed XXXX XXXX. The paid Authorization Code is XXXX and File # XXXX. I am not sure where the {$630.00} came from this must be fees attached to this account. I emailed Portfolio a copy of the paid in full letter from XXXX XXXX and XXXX and Portfolio Recovery stated their investigation revealed I still owe this debt. I disputed this with the Credit reporting agency and never received a response. This is what I called False reporting. I provided them with the paid letter and also ask if they contacted the law firm that collected my money. This entry on my credit report has stressed me out and prevented me from getting a home loan. This is not fair. I have attached the letter and a copy of my credit report to this complaint. They are aggressively trying to make me pay a debt that I have proven to them that I paid. This is not fair. Please investigate and delete this from my credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I went to US Bank at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX California XXXX. I had my paycheck from my employer which is drawn on that bank. I had proper ID. The bank manager XXXX XXXX said they do not have the cash on hand to cash my check. My employer had the funds available in the account. I was denied payment on my paycheck by the bank manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax credit bureau was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$12000.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit card or prepaid card

In XXXX of 2019 Macy 's put a late payment on my account. This was an auto bill pay issue I never received a notification stating that my card did not go through. I have 16 months of perfect payment history with them and only 1 missed payment because it goes to show I was never notified.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX Balance : {$870.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

Got the car 1 month before Covid laid off the next month couldnt afford payments because of a natural disaster
Product: Money transfer, virtual currency, or money service

I've had a Robinhood account for several years. I recently added funding and purchased some crypto currency. I made a few purchases in XXXX and a couple transfers of crypto to my cold wallet. Then on XX/XX/XXXX I made a transfer deposit and tried to purchase additional crypto within a short period of time ( 20 minutes ) and they locked my account. I have no access to buy, sell or transfer crypto. I have a cash balance that I cant withdraw. They said it was for safety reasons and requried pictures of my drivers license, photo of myself, and photo of a recent bank statement to be submitted via their app- which I did immediatly. I opened a support case through the Robinhood app. But it just says " You're in line for a support call '' for almost XXXX weeks. No way to contact support. No way to initiate a new case.
Product: Checking or savings account

On XX/XX/2023 I tried getting a loan and was scammed. They got my bank info and deposited a check from XXXX which the bank cleared. When I realized I was being scammed I called immediately to report it. After being with b of a XXXX  years they decided to close my account. I understood that. And that it would take 30 days to close. I was concerned because my direct deposit from my company that I worked for which I've been getting direct deposits the whole time I was working for XXXX XXXX it was due to drop in a day or XXXX they told me don't worry we're going to send it back to your employer and then they'll send it to you or whatever well they did not they kept my check they cash my check they kept the funds for what I was scammed for and what's left over they're not giving to me they said that my company has to send them something to state that that's really my money I don't understand how they cast XXXX XXXX 's check kept it all of it and hasn't sent me nothing I had fraud protection because I banked online I thought and it's been since XXXX and I've been more than patient and I just want my money
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts 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/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Early this year I disputed an account reported by Debt Recovery Solutions account # XXXX through XXXX and it was deleted because the creditor failed to provide me with proof of such debt. Now on XXXX/XXXX/2015 I just discovered this same accountis being reported through XXXX only. This account is not mine.
Product: Consumer Loan

I am a XXXX American I have been treated wrongly be Ally auto loans I have made XXXX payments to this company and they have added XXXX of extra fees amd late charges the currently have my vehicle out for repossession and say that I have only made XXXX payments and the rest of my money goes to there extra finance charges they sent people to my residence at XXXX and beat on my garage doors and make threats to me and my wife this company is very unprofessional and greedy I call in and no one can explain all these extra charges I can never get my account current because of everything they add in the charges get more and more
Product: Debt collection

I received XXXX separate Invoices from a Penn Credit Corporation with a request for payment due to XXXX XXXX for {$370.00}. I have never heard of this company before. The dates of service for the fraudulent address were from XX/XX/XXXX. This was for the mailing address of XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I was living in XXXX, OH at this time at my parent 's house. 

I received a second invoice from a debt collector ( XXXX XXXX ) for an invoice with XXXX XXXX for {$1000.00}. The dates of service for the fraudulent address were from XX/XX/XXXX- XX/XX/XXXX. Again, no idea who they are. I was living in XXXX, OH with my parents. 

While I was living with my parents in XXXX, I did not pay utilities, but Im sure I can come up with proof of residence.
Product: Credit reporting or other personal consumer reports

Last year and a half or so I have checked my credit reports. I found disputes with XXXX and XXXX and transunion regarding during the pandemic I was on forbearance and they said that I would not get any kind of late penalties or anything show up on my credit report. I had paid on time for 15 years and I didn't think it was an issue I'd ask him every month whether anything would affect my credit while I was in forbearance. They said no. This bank was XXXX XXXX XXXX 

Second one was XXXX XXXX  and arrangement with them and I was not late I arranged on how much I could afford to pay and they accepted it. When I probably dispute on the incorrect information that I had late payments with one of the three credit bureaus if not all three it came back that they added an extra month of late payment. No information was ever given to me on who to contact and how to get in touch with anybody at the bank itself. 

The third was XXXX XXXX  loans again I had arrangements made with them and they were reporting that I was late on payments delinquent in fact. 

Nothing was ever resolved there's no information for me to contact anybody at these Banks. My account was closed at all three because I paid everything off when I sold my house. even though all accounts are paid all these late and delinquent payments keep showing up. Like I said I thought during the pandemic the mortgage company was supposed to work with us. Also I have recently gotten XXXX  card and they constantly offer loan consolidation products and things like that saying " don't worry it won't affect your credit " but it did affect my credit. Several times. To the point where I've had seven inquiries into my credit in a short period of time. Is things like car loans and loan consolidation or trying to maybe see if you qualify for a mortgage or pre-qualified. 

I was not really aware of these things until I put an application to rent my rental that I am in now. They would not rent to me because of my poor credit report. And I had no idea about that. I've been trying for almost 2 years to try to correct this. And it's a specific person like a XXXX XXXX loans that I have to catch at a certain time of day from the month or the week. Very strange. Very difficult to speak to someone who could help with this. Anyway I actually had cash so I told the landlord I'd give him six months rent up front. 

I'm denied rental places to rent because of the credit report, I'm not being able to consolidate any loans, I get pre-qualified often but then they say they're sorry but they can't help me. I need to buy a car but I don't think my credit is going to let me buy a car.