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

On XX/XX/XXXX I was contacted by a Social Security agent that was going to help me recover my stolen social # ( XXXX XXXX ). The man, XXXX XXXX sent me his badge & had my local police contact me that there was an investigation. I received this information on my phone while I was driving to a wedding. To freeze my accounts during this trial, I had to transfer some money to a federal account. I went to XXXX XXXXXXXX XXXX XXXX XXXXXXXX RI to do a domestic wire transfer of XXXX. The money was sent to an account in California. Bank of America The money transfer seemed to go out around XXXX on XX/XX/XXXX. The next morning I called the XXXX Police to confirm our conversation from XX/XX/XXXX. They said, I did not talk to them. Then, I knew I had been scammed. I called XXXX  XXXX XXXX XXXXXXXX and XXXX filled out a claim form to let Bank of America know the funds received was a fraud transfer. I talked to the Fraud department at XXXXXXXX XXXX XXXX Bank of America. On XX/XX/XXXX. I called the Wire transfer departments for both banks for the next 2 weeks. XXXX XXXX would not give me the claim #, would not tell me what happened to my money. All I was told was it was being investigated. They would not give me or allow me to talk to the XXXXnvestigator. Later I contacted the manager of my local XXXX XXXX & all he could tell me was XXXX recalled the money & told Bank of America to send it back. Bank of America for 2 weeks would not disclose any information to me because I didnt have an account there. The account in question XXXX XXXX XXXX was not my account. Yet, I have 2 credit cards with Bank of America and had a car loan with them that I paid back. So I went to my local Bank of America branch and talked to the VP. XX/XX/XXXX He arranged a call to the wire transfer depart oXXXX XXXX XXXX. We called & they would only disclose that they reached out to the account & no one called. The VP of the bank said to assume the money went into XXXX XXXX account. I have filed police reports, with XXXX XXXX XXXX police. After one month, XXXX XXXX XXXX through with their investigation. No information has been passed to me. XXXX XXXX the Asst. Manager XXXX XXXXXXXX XXXX XXXX  did give me the claim #. I should be able to know exactly where my money went & be told this info. I know there are date time and stamps put on wire transfers. Bank of America should have given specific info to the VP of the bank. Also, next steps should have been given to me by both fraud departments.
Product: Debt collection

Sometime around the end of XXXX  of 2021, I received a notification that there was a Collection placed on my credit file. I received no communication from USCB by mail or phone notifying me of the alleged debt and my right to dispute until after I contacted the company. Only after I contacted the company via phone requesting a dunning letter, they sent one. I responded to the letter and they received it on XX/XX/2021, and have failed to provide me with the written information I requested within the timeframe of 30-45 days. It has now been 60 days and I have yet to get a response. I have sent them another letter asking them to delete the collection from my credit file because they were unable to verify the alleged account and have not responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested on XXXX XXXX2022 to have the address listed and incorrect names on my credit report to be removed. The following credit bureaus did not respond to my request. I told them that the information did not belong to be and I have no association with those addresses.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$18.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/2022 I requested a withdrawl from my Binance.US account which is a FDIC backed account. 

The withdrawl was in the amou of {$4900.00} in USD and was fully owned by my account. 

When I withdrew the amount I went through the verification process of XXXX Authenticator and then was told I would receive an email from XXXX XXXX XXXX  to verify the transaction as well. 

The email was not received so I put in a smaller withdrawl in the amount of $ XXXX and the email did come and I have received that in my account. 

The company said that I needed to whitelist the emails Associated with them when they responded to my help desk ticket on XX/XX/2022. 

So I did that ( as instructed ) and still received no email link to click for my {$4900.00} withdrawl. 

The more interesting part is that the {$50.00} transaction verification was fine but the larger amount was not. 

I am in need of my {$4900.00} and have contacted them daily to attempt to resolve this with no response after their initial email. 

This is also concerning the this is a US Entity that is claiming to back funds by FDIC yet they can't produce the funds for withdrawl. 

Therefore, they may not have the liquidity to cover larger withdrawls which I would say could be a violation of many Treasury bank charter statutes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX 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 I advised XXXX, Transunion, and XXXX to reinvestigate the aforementioned accounts However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/year>, I opened a Citibank account in connection with my mortgage application. 
I made several deposits into this account, totaling over {$50000.00}. 
Starting from around XX/XX/year>, I experienced issues logging into my account. Upon contacting Citibanks customer service, I was informed that my account was in restricted mode, but they refused to provide any further details. They advised me to wait for a letter in the mail. 
After waiting for 7 days, I received the letter and contacted Citibank again, using the provided reference number. I was then informed that my account had been flagged for fraud. 
I explicitly informed Citibank that I had authorized all transfers and deposits. However, I was told that the fraud department would review the case. 
On XX/XX/year>, I was notified that my account was closed with no explanation. Citibank stated that the decision was made by their fraud department and was irreversible. 
I was informed that it could take 30-60 days for the closure to finalize, during which my funds are essentially frozen. 
Compounding this issue, I recently moved to a new address and no longer have access to the mailing address on file with Citibank. Since the account is closed, I am unable to update my address information, and its possible I wont receive the funds via check, or it could be significantly delayed. 
This situation has caused substantial financial harm and stress, as I am unable to access my funds. I believe Citibanks actions lack transparency, and their failure to provide timely or clear communication has exacerbated the problem.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

I originally disputed XXXX old debts by XXXX XXXX XXXX. They originally closed and took them off of my credit report ( After an investigation and XXXX subsequent days ) ..However, I went back and checked my credit and they had reinserted XXXX of the XXXX debts. I was told over the phone that they " purged '' XXXX of the old debts. These debts are over the statue of limitations and will overall expire in about a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXXand XX/XX/XXXX, I paid off the bill of {$75.00}, in its entirety, to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX and it appears that the information was not removed nor did I receive a receipt of payment stating that I paid the bill even though my bank statement proves that I paid the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on Experian and XXXX  have been closed but still show as deliquent. There are inquires that should be on the reports. 
XXXX  XXXX XXXX XXXX These accounts are not suppose to show
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

FCRA section 605 ( a ) ( 5 ) generally prohibits the reporting of any adverse item of information... which antedates the report by more than seven years.
Product: Money transfer, virtual currency, or money service

I arranged with a friend in XXXX to purchase a used washer/dryer and refrigerator. Her parents were downsizing and getting rid of things while they moved. We agreed to XXXX part of the funds since I did not have XXXX pay. I Zelled {$500.00}. I found out within an hour that the persons XXXX was hacked and that their parents were not moving nor selling anything. The money I sent was sent to a fraudster. 

I filed a fraud report with Wells Fargo Bank ( XXXX claim XXXX ) and they did not do anything. I also filed a report with my local police department ( City of XXXX Police Department case # XXXX ) and with the Internet Crime Complaint.gov site ( XXXX complaint XXXX ) both of which I updated my Wells Fargo Bank XXXX XXXX for reference.
Product: Debt collection

My husband and I are looking into purchasing our first home and the credit company helping us brought it to my attention that there is still a kohl 's charge card that was opened in my name : KOHLS/CAPONE with a balance of {$1200.00} last updated on XX/XX/XXXX. I have never once opened an account with them and was informed to inquire about them violating FACRA because I have tried disputing this before back in XXXX and nothing ever came of it I guess since it is still on my list.
Product: Credit reporting

I disputed this misleading information Equifax removed it back in XXXX or XXXX of 2015. Then they reinserted XXXX different public records on the same day in XXXX 2015. I sent them copies of my identity theft report and they removed XXXX items. This is frivolous credit reporting by Equifax. How could they dis- regard the identity theft report I sent them twice. This is very stressful, and costing me a lot of money in extra high intrest rates. Please help!!!!!!!
Product: Checking or savings account

There is a company, XXXX, that has been continuously doing {$88.00} biweekly ACH transactions against my Simple   bank account, even after I've revoked their authorization and cancelled my subscription. I followed XXXX 's revocation process on XXXX. On XXXX they charged my account anyway. I contacted them on XXXX again to revoke authorization and on XX/XX/XXXX they charged my account again. I have tried calling that company and they just hang up on me. So on XX/XX/XXXX I initiated a dispute with Simple bank. I explained the situation and requested the money be returned to my account. I also requested that they block future ACH transactions from XXXX. They agree to put in a block request. Then on XXXX my account is debited again by XXXX  for another {$88.00}. When I ask Simple why they were able to do that even though they were blocked, they said that they didn't have a chance to process the block request! They then told me I had to add that charge to the other two, and complete the dispute process. So I did that. Per Electronic Funds Transfer Act they have 10 days to complete the dispute or if it is going to extend longer they have to offer the provisional credit for the full disputed amount ( {$260.00} ). I requested the provisional credit and was told know. DESPITE the fact they didn't even start the process until yesterday when they sent me paperwork. They've had the dispute on file since XX/XX/XXXX, with me asking for updates every few days, and just the last few days decided to follow up on it. AND told me no provisional credit. So I copied and shared the EFTA section detailing the dispute process. Then they put a {$500.00} hold on my account, so that even if they DO offer the {$260.00} provisional credit as required, I won't be able to withdraw it because they are showing me - {$500.00}. 

I had deposited a check from my cousin on Friday for {$500.00} and they placed a hold on that. I'm not sure if the check was returned and that is the reason for the additional {$500.00} hold but I shouldn't have another {$500.00} hold for the same check that they already put a {$500.00} hold on. I never received funds on that deposited check so why would they hold an additional {$500.00} from it? It feels like they got irritated with my complaints and decided to hold another {$500.00} so I couldn't access anything.
Product: Credit reporting or other personal consumer reports

Im sending proof showing the fraudulent account with XXXX XXXX Collections for {$37000.00} and XXXX XXXX XXXX this is being reported by a XXXX party was reported to the identity theft.gov.
Product: Debt collection

beginning when i first contacted Mr cooper via XXXX i have been manipulated the entire time 1.I was told that i needed to be in default to get a modification : this was misleading cause i contacted this business in good faith because of my pending financial pitfall ( after being current and never missing a payment or having a late payment ) for more than a year and i needed help and the rep lied cause the modification reason was to prevent unnecessary interest on my because of the setback 2.Mr cooper Doesn't process loss mitigation applications promptly : when information is given to this business in a timely fashion they hold on to it and then penalize the consumer by saying it wasnt timely filed 3. Mr cooper requires the same information already given to be given again : they claim that documents arent legible when they are or they need more information on the same data that was already supplied previously which causes a delay in the process cause you generally from MR COOPER you get a email DAYS before the deadline and its submitted only to be rejected cause THEY DIDNT GET TO IT even though documents are electronically timed stamped to show it was on time EVERYTIME!!

4. Mr cooper is NOTORIOUS for blatantly using incorrect income information in processing the net present value of a consumers income causing the modification to be rejected again even though Ive explained and emailed many people about this instance only to be ignored and pushed to foreclosure or short sale 5. Mr cooper either lies or is to big to function when it come to communications for a debt : i have three documents suppled by this business two letters indicating that they received my transmission and they had till XX/XX/XXXX and XX/XX/2021 to get back in contact with me. This is a classic automated tactic of this company cause if due diligence was performed they would have known i was communicating directly with the customers relations and modifications department in which i told them many times i was displeased etc yet they send a third party to my home to put a notice under my door because they couldn't get in contact with me me which is a lie. It might not have been in the manner they wished but they have been contacted by me every time they called via email which is why i guess i got they letters they would investigate and get back to me.

they have ZERO intention on helping they want to stick it too me cause they perceive me to be a deadbeat and tired of me complaining cause i was wronged
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I sold a purse and the buyer opened a case on PayPal 1 month later, saying that the item was not as described ... ... the item was n't returned to me by the buyer. PayPal got my money and I was left without the item and without the money, also PayPal charged me a {$25.00} fee on top of taking my money for the item I sold for {$880.00}. So PayPal got from me {$910.00} ... .please help me
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX/2023
Product: Checking or savings account

XX/XX/year> XXXX XXXX, in Texas XXXX drive thru process request for XXXX. The Machine froze then said denied withdrawal. I retrieve the ATM card then tried again. This second time the machine accept card then released card then asked me for pin. XXXX froze then flipped back and forth selecting for withdrawal. I touched screen cancel. The 53. Bank fraud was watching me attempt to withdraw funds. I left that XXXX Bank went to another ATM got XXXX. XXXX XXXX XXXX showed up spying as I report this claim. This Fraud department with 53 had a similar issue in AZ with a ATM when my funds are available. I believe XXXX withdrawal was taken instead of XXXX. I told 53 this is bank robbing and they refuse to hear.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 convictions of crimes which antedates the report by more than seven years.

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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6300.00} ; XXXX XXXX  XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$810.00}