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

On XXXX I received a text asking me if I had made a purchase at XXXX in the amount of {$360.00}. The text looked official like it was from my bank which is XXXX. We have received texts like this before where someone was fraudulently trying use our debit card and we're then sent a new card. So I responded no. I then immediately received a call from XXXXXXXX XXXX from their legitimate number. I latter found out that scammers can make it look like they are calling from a legitimate number. The scammers told me someone had hacked into my account and I needed to change all usernames and passwords. They also said they were trying to do a wire transfer and they would walk me through how to counteract this by having me do a wire transfer. I had them on speaker phone as I was on the website about to wire the money when I told them I'm not comfortable with this. I asked to speak to his manager and without missing a beat another smooth talker was on the phone assuring me they were from XXXX. I sent the {$7800.00} wire transfer. Within an hour I started to realize my worst nightmare was possibly unfolding and called XXXX. They said it was not them and that I had likely been scammed. I asked them to stop the transfer and all they did was have me type in a secure message that said I wanted to do a wire transfer recall. I couldn't even talk to a person. The next day they responded with a message to see if I still wanted to go through with the recall. Of course I did but now by the time they even initiated it the next day we were 48 hours in. Over a week later they responded back to me again by secure message that the receiving bank which was TD Bank had not gotten back to them after repeated attempts. I even have the name on the account where the wire was sent. XXXX then started giving me the run around. Telling me to contact TD bank and giving me other websites that didn't exist and phone numbers to call that were not in service. I then tried contacting TD bank but couldn't make any progress. They told me XXXX needed to contact them? The name on the receiving account of the wire transfer was XXXX XXXX. Of course I don't know if that's a real name but it's the name on the account where my {$7800.00} went. I can't believe TD bank will not even respond. My complaint is against TD bank and XXXX for failing to act in a timely manner or act at all to investigate this fraud. Thanks for any help you may be able to give.
Product: Credit card or prepaid card

In XX/XX/2022, I contracted the services of a rental company ( XXXX XXXX ) I use to rent from them and other companies. As usual I paid online for the rental fee ( XXXX XXXX ) with my XXXX capital one platinum credit card. 
The day of collection a representative forced me to pay extra XXXX XXXX, saying the insurance was not included in the rental. 
Later I found out she lied. As the insurance was, as it is natural in the initial fee of XXXX. Of course there is no rental without insurance. I actually proved this with previous rentals from the same company. 

When I raised a dispute through my credit card company ( Capital one ) they issued the refund to my card. However, later they charged me the amount again, stating the company response : We did not get any other payment from the client as if this charge was the retal charge for the vehicle. 

I then called the company to deny this. They habilitated a link to upload proof, and two days later, when I uploaded the proof they close my case stating : Unfortunately, based on the information we have, we are unable to assist with your claim. If you still want to dispute the charge, please contact the merchant. 

I find it is not fair. After demonstrating im right with all the evidence, not having someone to really listen to you. Even it it was one single dollar, is not fair. 

Please help.
Product: Debt collection

This isn't a complaint the but the many complaints I have filed against Wells Fargo. 

Foreclosures, Foreclosures XXXX and their Firms and co-counsel. 

I have never dealt with such misinformation, miscommunication and misinterpretation from this XXXX XXXX calls Wells Fargo. No other corporation which that holds the same business license in the same capacity as Wells Fargo ever did me wrong as much as this bank has. 

I have never had a foreclosure against me. I should have sued Wells Fargo before the foreclosure. 

I pray to XXXX that the Foreclosure laws change, if and when a bank makes the financial error the loan is dismissed with prejudice. Banks to show payment, principal, interest and balance. All loan documents will have the rate on the loan documents. Any change in interest rate will be disclosed to consumer 60 months prior. No documents will be ambigious. No documents will be manipulated. 

A banker, a loan officer will know exactly what transpired and explain in detail everything about the loan and not give an excuse of " I don't know what they did. '' One should not have to go to a CPA, who they could not understand how one loan can turn into two loans. where the added interest rates came from.

We are talking about a person 's home, a person 's credit.

Can you imagine if you have to travel for you job, like federal agents, who can't be there to fix the problem or talk to someone over the phone who can't explain to the person. Banking should not be ambiguous to anyone.

I have two banks I deal with it. Nothing is ambigous to me. Everything is detailed where my money is and how it is distributed. Even with my stocks account. 

Wells Fargo is the most ambiguous and manipulative bank I have ever dealt with. Wachovia customers got screwed royally from and by Wells Fargo. We are the ones who are paying the price and suffering due to Wells Fargo 's manipulative and ambiguous ways. 

Foreclosures Attorenys and their Mills are right in line with Wells Fargo. 

All of this needs to be discussed and changed and make people whole again. That is all what " victims '' of a criminal entity wants. To be made " Whole Again! '' RICO ACT needs to be applied to MegaBanks and Foreclosure Attorneys and their Mills if it is dealing especially with the equity ointheir home. 

Sincerely, XXXX XXXX Thank you for you service and committment to making things right.
Product: Money transfer, virtual currency, or money service

I got notified that my funds were being used so I reported the transactions. And the same night I got an email stating I could no longer use PayPal that they were limiting my account. Now my funds are stuck in Freeze AGAIN. This happened to me a few years ago where they froze my funds for an entire year and after the year was up, they apologized stating it was a big mistake on their end and allowed me to continue using pay pal. Which I really didn't want to because they held almost {$2000.00} for almost a year. But I continue using it after a few months. Well here I am again being told I violated terms and conditions set by PayPal when I simply didn't do anything again. Except report some transactions that weren't mine. They are giving me the same speech about how they noticed suspicious activity on my account and this time they didn't even give me time to submit any documents or anything they just XXXX down my entire account and I can't use it anymore. Paypal already has a class action lawsuit for this same thing currently and I no longer will allow them to launder my money.
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 & block 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 block/remove these 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 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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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



Open Account : XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was tried to get 4 phones with service with XXXX online, But I never get the phone and/or Services from them. Two months later they sent my a bill. I try to call them, and they told me they can't access my account. then they sent it to a collecting agency. XXXX is a scam, sent you a bill with an account that they can't access, and just want you to paid it.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/year> I have I have recently disputed this account it was updated but my request was to DELETE credit card ACCOUNT NAME : US DEPARTMENT OF EDUCATION ACCOUNT # : XXXX THIS ACCOUNT IS REPORTING 3 TIMES WITH DIFFERENT LIMITS THIS IS GROUNDS FOR REMOVAL AND DELETION 20 U.S. Code 1087e - Terms and conditions of loans 20 U.S. Code 1087dd - Terms of loans 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Product: Credit reporting or other personal consumer reports

Why do you still have inaccurate personal information on my credit file? I was denied insurance because my birth year is incorrect at Equifax! 

XXXX, XXXX, and Equifax please make sure you have my correct name and address. 


Please fix this information
Product: Credit card or prepaid card

I have a Bank of America unlimited cash rewards credit card. I am unable to use it after the transaction got declined. I received no fraud alert. I called when I logged into the app. The representative said they couldnt help me and hung up. 

I am traveling overseas. I opened this card. This is XXXX. I cant even make a payment on this card as it wont let me- the app is saying suspicious activity detected review them first.
Product: Debt collection

I fell behind on credit card payments for my Kay Jewlers account, it was placed in collections. I do recall getting a notice however I do not recall getting any notification that I would be sued for this amount. MY sister received a call stating I would be sued for debt owed the person who called her was named " XXXX '' my understanding is this is illegal for them to discuss my debts with someone other than myself. I called the phone number given ( XXXX ) and was given a case number of XXXX. After being told this company doesn't place outgoing calls ( doesn't make any sense at all ) they connected me with another lady. She went over some information, several times I explained that I was very confused at what she was saying if she could explain it better. I let her know that if owed a debt, yes I would want to pay what is owed. She said I was defrauding a creditor and they made attempts to contact me about the lawsuit. Before today, I knew nothing about said lawsuit. I was then told they could possibly get this out of court if I paid in full, I stated I was not comfortable giving information over the phone and asked what the company name was she said XXXX XXXX XXXX, I did a quick XXXX search and it doesnt pop up so I asked for the address in which I was told they don't give that info out to protect employees. I told her I would need to give a call back after I look into getting a prepaid XXXX or XXXX ( she said the only forms of payment accepted ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to my credit reports with transunion, XXXX, and XXXX. I contacted all 3 bureaus XX/XX/2022 in regards to inaccurate information reporting to my credit reports requesting a validation of debt letter on the behalf of the invalid information being reported niether of the companies responded with a written response with proof of all accounts inaccurately reporting binding me to these accounts. I did not receive the requested information no contract or signatures and under the Fcra these accounts must be removed due to the bureaus not responding with the validated information I asked to be provided of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, " We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. 

According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. 

Please confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. 

To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

" To view your rights, visit XXXX XXXX XXXX
Product: Debt collection

At this time, opportunity financial has contracted XXXXXXXX XXXX XXXX  attorneys at law to try and collect a debt that was reported as fraud. In doing so, the have contacted my father and informed him of the debt. This is a violation of federal law. No individual outside of my household is allowed to know about this.
Product: Money transfer, virtual currency, or money service

i purchased a money order for {$700.00} on XX/XX/XXXX. I misplaced it and found it within minutes. I called western union to let them know after calling them to place a stop payment but letting them know not to place a stop pay. Well 3 days later they put a stop payment after I filled it out and gave it to my apartment complex for XXXX rent. 
I finally got this resolved after weeks. The removed the stop payment and told me to go to the store and put " not used for intended purpose '' at the XXXX where I purchased it. But they are refusing to cash it since it is written on. Now I am have an issue with Western Union getting my refund. The store says Western Union will need to send me the refund so I can pick the cash up at the store. The customer service is horrible at Western Union. The supervisors do not call you back. I need help. The case number with Western Union is XXXX. Today I was the supervisors are in a meeting and I would have to call back.. Time is XXXX XXXX  XX/XX/XXXX. I spoke with XXXX i want my money back. i can not cash this money order with writing on it. Western Union never should have place the stop payment on it. I need to pick up cash at the window
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. Secondly, MOHELA mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. I am demanding that MOHELA produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). What I am demanding right now is that you guys delete the MOHELA Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I am the victim of the XXXX and Experian and XXXX XXXX XXXX breaches from XX/XX/XXXX, which compromised my personal information, due to Identity theft and the negligence of Experian. 

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX XXXX opened on XX/XX/XXXX under the account number ( private ) a business XXXX XXXX account opened on XX/XX/XXXX under the account number ( private ), and a XXXX XXXX XXXX XXXX account opened on XX/XX/XXXXXXXX  under the account number ( private ), they appear to be related to the aforementioned closed charge off accounts. These accounts have resulted in two fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I would like to have a rapid rescore on my credit report to reflect my current balances on my credit. The 3 other major credit bureaus do not give access or the ability to request credit rescore rapidly. Please help me thank you very much.
Product: Money transfer, virtual currency, or money service

I received {$64.00} in a transfer to my Paypal account. I had previously filed a complaint through my credit card ( XXXX ) for an item I'd paid for via Paypal - that complaint with XXXX was resolved. 

Paypal will not let me access my account funds. It advises that I need to upload XXXX statements and bank statements and utlity bills to prove my identity, and I have tried to do so MULTIPLE TIMES, but it will not let me upload them. They are all in PDF, all fit the size constraints.