23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are supposed to investigate errors on your credit report, and get back to you with the results, if you request it. I personally sent an investigation request to the three credit bureaus back on XX/XX/XXXX, but I still haven't received any responses. They are supposed to do investigations in 30 days. But its been a lot longer than 30 days, and I'm still waiting.
Product: Money transfer, virtual currency, or money service

Wire transfer was sent on XX/XX/2019 online to a Title Company, funds were block. After several calls and month of investigations Wells Fargo Bank ask me to go to XXXX to get a licensed. Licensed was obtained XX/XX/XXXX and till today funds are missing. I have called wells Fargo several times and there is not concrete response, investigations have been closed without a resolution and no ones there knows why. Resolution, funds have not been giving back to me ; but, they never left Wells Fargo Bank.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Incorrect Personal Information Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing this formal complaint against Wise ( formerly TransferWise ) due to their gross mishandling of a refund of {$48000.00} USD, which was incorrectly sent to the wrong bank account. Despite repeated follow-ups, Wise has failed to properly address their error, and their latest response suggests that if they are unable to recall the funds within 30 days, they will consider the matter closed, which is completely unacceptable. 


Background of the Issue I operated a business account with Wise, Wise closed my account without prior notice, despite my compliance with all their terms and conditions. Following the closure, I was instructed to submit an appeal and provide a bank account for the return of my balance, which I did. 
However, instead of refunding my funds to the correct bank account, Wise mistakenly transferred the entire sum of {$48000.00} to an incorrect bank account. This was purely due to an internal error on Wise 's part. 

When I immediately brought this issue to their attention, Wise admitted to the mistake and stated that they had initiated a recall request. However, their latest email response states : *The recall process is currently underway. Please note that recalls do not guarantee the return of funds. If you do not hear from us within XXXX  days, we will consider the recall unsuccessful. * This response is alarming because : 1. Wise 's mistake caused this issue**not me. They **sent my money to the wrong account, and I should not suffer financial loss due to their incompetence.

2. There is no guarantee that I will be refunded despite Wise 's admission of error.

3. Wise has not provided any clear documentation of the transaction or recall request.

4. Wise 's handling of the situation is unacceptable and does not comply with financial consumer protection laws.

I am seeking immediate intervention to : 1. Hol
d Wise fully accountable for their mistake and ensure that my {$48000.00} is refunded to my correct bank account immediately. 2. Obtain official documentation from Wise, proving the incorrect refund and their recall efforts.

3. Demand Wise to provide a concrete resolution timeline and not simply wait XXXX  days before abandoning the recall process.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/XXXX I requested a stop payment to XXXX XXXX  in the amount of XXXX. They had originally taken the amount out of my account on XX/XX/XXXX but the payment was credited back to me automatically. I wanted a stop payment just to be safe. The first agent said it wasnt possible. The next day, I called again to try and get the start payment instated. It was put in, but the charge still went through on XX/XX/XXXX. I immediately called in and filed a dispute, but they disputed the first charge erroneously and didnt tell me until a couple days ago. I had terminated my ach authorization with XXXX but they withdrew the funds anyway. I was told it was standard practice to reissue an account in cases like this but this didnt happen until the XXXX XXXX XXXX. I have now gotten them to dispute the correct charge, but I have been missing XXXX dollars out of my account for almost XXXX XXXX now due to their error. I just want my account credited. Theyre saying Ill have to wait XXXX business days, but the total amount in my account is only XXXX. Theyve reduced my cash by XXXX percent for almost XXXX XXXX due to their error. I just want the funds credited to my account. I was told by multiple agents the funds were being returned and would be in my account soon. They also erroneously put a stop payment on XXXX XXXX and caused me to incur a XXXX dollar ach reversal fee. Ive attached conversations supporting this with discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit bureaus obtained my XXXX XXXX filing with the courts with XXXX XXXX XXXX in XXXX VA without my knowledge or without consent of the courts. The courts advise they do not release any confidential information to any credit bureaus. I would like this information removed from all company 's records as it is causing issues with my current life status. 

Experian XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX
Product: Checking or savings account

My Bank of America ( BOA ) steamrolled snatching my {$240.00} away from me, after it lied to me about still, thoroughly reviewing my claim. I saw missing money today, as I looked at my checking account online. BOA 's Resolution Specialist XXXX XXXX, has emailed me about supposedly doing a thorough research on my claim. But actions speak louder than words. BOA doesn't say anything now, since it wants XXXX  rental car to snatch my {$240.00}. Never mind that I sent BOA my online XXXX car rental reservation made on XX/XX/2022, for a car rental that was to cost me {$590.00}. Never mind that XXXX counter worker erased and replaced my reservation, without my knowledge, while my family and I waited for XXXX to bring us the car I booked. And it's okay with BOA, when unscrupulous companies snatch away people 's money, by getting customers to sign signature pads. I never saw nor received XXXX 's new deal that XXXX made on the fly. And that's okay, too, at least in BOA 's eyes! And it's okay, too, to lie to the CFPB and to me, about BOA still " researching '' what it already took from me today.
Product: Credit card

I opened a credit card back in XX/XX/XXXX with Wells and i was given a credit limit of {$2500.00}. The purpose for me getting this card was becasue it came with a waiver on the XXXX  transaction fees which was critical for me as i was preparing to travel XXXX to do a semester XXXX  ( will be in XXXX for 4 months returning to USA only until XXXX ). 
I was able to use the account normally through Thursday XX/XX/XXXX and it stopped working and i got decline after that every time i intended to make a purchase. 
The card is not working and they have not given me an explanation as to why it was declined and they told me to wait 15 days for it to be resolved even after i paid my full statement balance on the account which left me with about XXXX on open to buy limit. 
I am in a dire situation as this is my only credit card i can use here and i need the card to work especially knnowing that i already paid the statement balance and they accepeted it in full. 
We need resolution ASAP and i am hoping this complaint submisssion will help becasue Wellls Fargo juist does not want to help. And they do not give me an answer as to why this is all happening
Product: Checking or savings account

Fraudulent charges from XXXX XXXX occurred on my Bank of America checking account and I can not reach the merchant to dispute. B of a wont dispute on my behalf. 

The fraudulent charges occurred are below and I had no access to see the charges as my phone wasnt letting me log in to my b of an app. 

All the charges are showing as XXXX XXXX from XXXX through XX/XX/XXXX ( I changed the description to fraud on the b of a app ) XX/XX/XXXX fraud - {$4000.00} XX/XX/XXXX fraud - {$1000.00} XX/XX/XXXX fraud - {$5000.00} XX/XX/XXXX fraud - {$1000.00} XXXX XXXX - {$200.00} XX/XX/XXXX fraud - {$1000.00} XX/XX/XXXX fraud - {$100.00} - {$5000.00} - {$2500.00} - {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the inaccuracies and compliance deficiencies in the credit report I received. The FCRA section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to investigate this issue and provide me all available details on how it came about. With the potential for data integrity issues if these standards aren't followed, it is a serious matter that needs to be addressed.
Product: Money transfer, virtual currency, or money service

I am unhappy with the way Zelle handled my disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutin and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was not doable. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am disputed this account several times and the company continues to report inaccurate information on my credit report. The account is XXXX XXXX and I need this removed immediately from my report. Under the FCRA my credit report has to be 100 % accurate and it is not. The balances are wrong, the date of activity is incorrect. The past due amounts are incorrect and the payment status is definitely incorrect. With those 5 errors and violations on the account, I would like for these accounts to be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on it. Please remove these accounts from my report as it is damaging my ability to obtain credit
Product: Credit card or prepaid card

MY NAME IS XXXX XXXX MY SOCIAL SECURITY NUMBER IS XXXX DATE OF BIRTH XX/XX/XXXX PHONE XXXX XXXX ON XX/XX/XXXX MY CHASE XXXX XXXX   CARD XXXX XXXX XXXX XXXX CARD NUMBER XXXX XXXX XXXX XXXX WAS UNDER REVIEW BY THE REWIED DEPARTMENT PHONE XXXX XXXX HOURS XXXX TO XXXX I SPOKEN TO A LADY AROUND XXXX THAT CALL IS ALSO RECORDED I ASK HER WHY MY ACCOUNT IS XXXX XXXX AND THEN SHE TOLD ME THAT IT TAKES 10 DAYS TO COMPLETE, SO I ASK HER IF THEY CAN DO THE REVIEW QUICKER BECAUSE I HAVE TO PAY MY KIDS SCHOOOL BILL FOR PRIVATE SCHOOL, AND SHE TOLD ME THAT MY ACCOUNT LOOK OK IT SHOULDNT BE ANY PROBLEMS AND GETTING THE BLOCK REMOVE OFF IT I ALSO STATED THAT I APPILED FOR THIS CARD AND THAT ALL CHARGES ARE VALID. SO SHE NOTED EVERY THING I SAIS AND ALSO THAT CALL WAS RECORDED TOO, SO AROUND XXXX I GOT A CALL ON MY OTHER NUMBER XXXX XXXX THAT THEY COMPLETED THE REVIEW AND THAT EVERY THING MATCH ON MY ACCOUNT AND THAT THE BLOCK WAS REMOVE, SO I TRIED TO USED MY CARD THEN ALL OF SUDDEN THE BLOCK WAS STILL ON THERE I CALL SECURTY OPERATIONS AND THEY TOLD ME THAT EVERY THING WAS OK AND THAT WAS ACCOUNT WAS JUST OVER LIMIT THEN ALL OF SUDDEN I CALL CHASE XXXX DEPARTMENT AT XXXX XXXX AND THEY TOLD ME THAT MY ACCOUNT WAS CLOSE DUE TO HIGH BALANCE AND CASH TAKE OUT, I TOLD THEM THAT I SPOKEN TO SOMEONE ELES AROUND XXXX AND THEY TOLD ME THAT EVERTHING WAS OK ON BOTH OF MY CREDIT CARDS, AND THAT OTHER REP I SPOKEN TO SAID THAT SHE WILL FORWAD THIS TO HER SUPERVISOR TO TRIED TO REINSTATED BOTH OF MY CARDS. AND THAT SHE SEE THE NOTES HER ON MY CARD. MY COMPLAINT IS THAT CHASE XXXX XXXX XXXX DEPARTMENT XXXX UP HER BY CLOSING MY CREDIT CARD UNFAIRLY, THEY DISCRIMINATE HEAR BECAUSE THE OTHER PERSON ISPOKEN TO TOLD ME EVERY THING WAS OK AND I THINK THAT THEY CLOSE IT BY MISTAKE, I UNDERSTAND THAT I HAVE A HIGH BALANCE ON THE CARD BUT I HAVE TO PAY MY BILLS AND ALSO HAD TO PAY MY KIDS SCHOOL BILL, IM SURPRISE THAT CHASE SHUT DOWN MY CREDIT CARD AND I HAVE LITTLE BABIES, I WAS PLANNING TO GO SHOPING AND BUY CLOTHES FOR THEM CAN YOU TALK TO CHASE CARD SERVICES AND SEE IF THEY CAN REINSTATED MY CREDIT CARDS
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the 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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX FXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the XXXX that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following XXXX records on my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

Hello Im reaching out and need your help with Coinbase. They are literally stealing money from people. Let me share an example of what happens to me which most likely is impacting other. 

I attempted to transfer funds into my XXXX wallet at Coinbase on XX/XX/2021. However I erroneously transferred the funds into a XXXX cash wallet instead. I attempted for a full month to get a hold of someone at coin base to help me reverse the transaction. The only option was to submit a ticket online. After not hearing from anyone I reach out to the executive members via linked in. I finally received a response via email. 

The response was too bad theres nothing they can do and the funds are now loss. I was able to speak with the initial sender who share that they can see the funds sittting in block chain however since the funds are already sent theres nothing they can do. Coinbase does have the authority and capabilities to reverse the transaction. It was {$3500.00} dollars that they are claiming I should forget about and move on and making a decision to not help. Thats a significant amount 2x the amount of current stimulus. This error is a common error that happens frequently however coin base is profiting from this by stealing people money when it happens. Regulations need to be put in place to monitor these digital currency and companies like coin base. I refuse to lose {$3500.00} over something that can be resolved.
Product: Mortgage

Our loan was sold XX/XX/year> since then our new company has harassing us calling and sending statements stating we are late. I have the mortgage set up with XXXX to pay on the first of every month but it takes at least 11 days for the payment to be pulled from our bank. It shows every month that it has been processed on the same day that it was set up to pay XX/XX/year> and today we received a statement treating us to pay. They told me last time that I would have to call them every month that our loan has been paid I told that is not going to happen. This ridiculous I called again today and XXXX the representative answered just spoke over me and said it is my bank that is true I have called them and they said it is the mortgage company. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

STOP EQUIFAX FROM RUINING MY LIFE! 

Yesterday ( XXXX XXXX ), I received an email from Equifax that my address had been changed. Currently, my Equifax account is " frozen '' due to recent identity theft but since the change was merely from " XXXX XXXX '' to XXXX XXXX XXXX '' I assumed that this was to comply with the USPS and was insignificant. 

Today ( XX/XX/2023 ), I received another email from Equifax stating that my address had been changed again. Today, my address was changed to an old address ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NC XXXX XXXX where I had not lived for 3 years. During that 3 year period, I had obtained mortgages and therefore my Equifax record was appropriately updated with my correct address. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

WHY DOES EQUIFAX CHANGE MY PERSONAL INFORMATION WITHOUT ANY VERIFICATION WITH ME? EQUIFAX HAD MY CORRECT ADDRESS WHICH MATCHES WITH ALL OF MY OTHER FINANCIAL RECORDS. 

I signed onto my Equifax account however I am currently " blocked '' from disputing this change of address! The Equifax phone system is impossible to use and I can not even reach a person to speak to about this issue. My past experience has been that if you are able to reach a representative, they are not in the U.S., speak poor English and are of no assistance. 

I AM FURIOUS. 

Three years ago, Equifax did a similar thing. My date of birth was suddenly changed on my Equifax record, making me more than XXXX XXXX XXXX! I did not make that change - Equifax did this and without any verification. I then had to spend numerous hours and provide complete documentation, including copies of my birth certificate and passport, that prove that I was not born 90 years ago. 

HOW AM I SUPPORT TO ADDRESS THIS CURRENT PROBLEM WHEN I CAN NOT EVEN DISPUTE THE ISSUE? 

Furthermore, when is CFPB going to actually do something to correct this ongoing abuse of consumers by Equifax and the other two credit reporting agencies?