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

On XX/XX/XXXX I sold an item to XXXX XXXX, and she paid for the item by transferring the money to me in XXXX. 

Just a few days later, Wells Fargo would lock me out of my account, leaving me without access to the funds in the account, the transaction information, balance information, etc. It would not be until XXXX, that I finally received a letter from Wells Fargo, stating that my account was in the clear and that I could resume business as usual. 

The account had been locked and placed under investigation due to an amount charged back by a XXXX payment that was sent to me. 

I logged into my account, and much to my dismay and surprise, XXXX dollars had been removed from the account, without even so much as a note or memo as to what the funds were removed for. 

It was not until later that I called Wells Fargo, and was transferred around numerous times, that I finally was informed that the money was removed from my account because a zelle transaction sent to me in the amount of XXXX dollars was flagged as fraudulent by Wells Fargo, and the funds were subsequently taken out of my checking account and given to the individual named at the opening. 

In searching for a way to appeal this, as I had informed Wells Fargo that I had proof of purchase, I was once again transferred numerous times until I reached tier-whatever support. 

The individual I spoke with, which by the way, was a very rude encounter, as he would not let me finish a sentence before butting in constantly and trying to talk over me, informed me that Wells Fargo would not be doing anything about it, there was no appeals process available to elect, and that if I wanted the money back, to contact XXXX and take her to court. 

This is just preposterous. How can the bank just reach into my account, take my money, and then sit around with their hands in their pockets, when I find out what has transpired and object? When this investigation was underway, no one bothered to reach out to me to let me know what was going on, no one asked me to forward any evidence or proof that I had readily available in order to help my case and protect myself from the dishonesty that the buyer was perpetuating. Where was Wells Fargo when it should have been my turn to tell my side of the story? 

And now, the damage is done, Im out of the money, and still, Wells Fargo wants to do nothing to help me, to listen to me, to see the proof that I have. They say they are not allowed, and I am calling them on the XXXX. I should not have to rely on the court system to recover my money. I should be able to keep money in my bank account and rest assured that the bank is there to protect me, not be an entity from which I need to protect myself. Please help me, this is not fair, and its something that would honestly be devastating should I not be able to come to a swift and fair resolution. 

Best, XXXX
Product: Debt collection

In XX/XX/XXXX, an appointment was scheduled with XXXX for an initial exam of getting aligners. Following the appointment, I signed up for the program and received aligners apart of my kit. Every so many weeks it was required to change out the aligners over the course of a year. There were many aligners did not fit properly and did not meet the standards required for this treatment plan. XXXX filed for bankruptcy and closed all locations in my area. I was no longer able to receive treatment once everything took place, but we were still expected to pay monthly installments of {$83.00} and therefore remitting the full balance even though my treatment was interrupted and was not able to be continued. I then stopped making the scheduled payments. On XX/XX/XXXX I received a letter from TekCollect ( debt collections ) demanding the remaining payment on my account. Since receiving that letter I tried reaching out to XXXX on multiple occasions and the team and service members failed in assisting me with any issues/questions regarding these payments. On XX/XX/XXXX I sent a dispute email to TeKCollect notifying them of the breach of contract with XXXX and the stoppage of services/treatments and informed them there is no legal enforcement to pay the remaining balance due to breach of contract. 

Any assistance would be appreciated.
Product: Credit reporting or other personal consumer reports

XXXX credit Card was a secure credit card when I closed it balance shows {$75.00} I tried to call and pay but can not get anyone on the phone but it is still on my credit reporting negatively.15 U.S. Code 1681 NCB Management is reporting debt that was illegally sold to them by XXXX XXXX and XXXX XXXX is reporting that I owe more than what NCB Management is trying to collect which is in violation of 15 U.S. Code 1681,15 U.S. Code 1681e.

NCS is reporting I owe debt but Ive never did business with them which is also in violation of 15 U.S. Code 1681e XXXX  is also reporting I owe them but has never done business with them or progressive insurance which is fraud and violation of 15 U.S. Code 1681e
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to close the account after making a {$50.00} payment. Then, I was told I had to go to the local branch and close the account. It has been more than 90 days of inactivity, and the balance of the loan was {$0.00}. They sent me a {$50.00} overpayment loan check that is dated XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a collection on partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. XXXX is reporting correctly. I have attached a copy of the deletion letter from XXXX and respectfully request that Experian remove this line item from my credit report. This reporting of a collection that does not exist is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i am here with this complaint because i recently looked at my credit report and i see several accounts that DO NOT BELONG to me. These accounts are unauthorized and i did not provide my signature and consent to these. These are negative accounts that are hurting my credit score and profile. I have reached out to all 3 credit bureaus TRANSUNION, EXPERIAN, EQUIFAX and they are not helpful. They place me on hold and they do not come back. This is hurting my life and making it hard for me as a dad. I am trying to better my life. I need serious help and support and investigation with these negative accounts being reported by these credit agencies onto my profile. 


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 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 XXXX XXXX
Product: Mortgage

When I make payments they are not processed properly so that it shows I am always late by a few dollars and New late fees are added. I pay those fees to just get rid of them and then next month there are new fees and they tell me the additional money paid was either put towards principle or in escrow by mistake. A mistake is once not over a time of 2 years. This is clearly a purposeful, illegal violation of my rights. I am stuck and do not know where to turn. They have wrecked my credit and no matter who I talk to it never gets resolved. Most recent, monthly bill was XXXX was told was late 2 months. I said pay what I need, they said XXXX. I said ok, then 10 min later on same call, oh you didnt owe that, you owed XXXX. I said just put the extra towards principle and then the regular amount will be due XXXX before the XXXX. I get the paper statement for the XXXX payment and its for XXXX with another XXXX in late fees and more bad credit reporting. Please help!
Product: Mortgage

In XX/XX/XXXX I brought a mixed use property that I live in a loft and have restaurant rental space below. I finance the property from XXXX XXXX XXXX in XXXX somewhere it got sold to Region Bank I don't know exactly when they made the switch, In XX/XX/XXXX Regions stated I was behind on some notes and they offered to modify the loan. I accepted though I couldn't prove at that time I was not behind on my mortgage. In XX/XX/XXXX the bank said the loan was due and I owed another {$180000.00} dollars on a property. In XX/XX/XXXX I did an administrative process on them asking for the original blue wet ink copy of the contract. They could not produced it and the ones they did produce were copies with obvious blank outs. After this starting XX/XX/XXXX they tried to foreclose on my property, I had to hire an Attorney to get an injunction to stop the foreclosure and sale of my property. I filed a lawsuit in XX/XX/XXXX sued the bank for fraud and racketeering during the hearing it was proven that I had paid well over {$500000.00} however before we went the trial, the bank agreed according to my attorney that I did not owe them anything on the mortgage but that I now owed them {$41000.00} in taxes ... I offer a tender of payment to them via my attorney which they accepted. XXXX of this year after a year of no feed back.. I asked for a settlement and closing of the account.. the attorney I hired said since we did not hear anything else from them that I could dismiss the case without prejudice and come back and sue them later if needed. XX/XX/XXXX they sent me another letter stating I am in default of the mortgage and that my property will be sold XX/XX/XXXX. Of course I will be going back to sue or file bankruptcy as I have exhausted my reserves suing them the first time.
Product: Credit reporting or other personal consumer reports

Prior to the pandemic, I requested my credit reports and only received a short summary which reflected some discrepancies. I then disputed them and I've attempted to request my XXXX credit reports since then for multiple years now. I've also have requested for the incorrect information to be corrected and I have had difficulties getting an updated and corrected report from all three credit bureaus. I am now being told that I have to verify my identity with the information that is being stored on the reporting system which is all false. Thus, making it impossible for me to verify my true identity. I am still unable to access my reports. Please note that I have already sent a copy of my photo ID, birth certificate, and social security card via certified mail. My data has been compromised ; I have been summoned to court for accounts I have never obtained but the credit bureaus would not correct this error. It appears as my accounts have been frozen and I am unable to unfreeze them due to their request of verifying my identity which I have attempted to. I am being denied for services due to the information on my report. I feel as my rights have been violated and I am being abused by the system that should be assisting me on this crucial matter. I feel as though I'm being treated as a criminal for a crime I did not commit. I am even unable to vote due to this discrepancy. My housing, my license, my medical, my school, and even my livelihood is all been affected and are at jeopardy, I need help!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I did all the paperwork and sent them in to the credit reporting agencies. They have never removed the accounts and attached my paperwork to the disputes I requested. They have not given my copies of the verification report. All these processes are required by the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called Navy Federal to stop payments on some charges. Navy Federal said it would be smarter to open another account and close the current one. I then opened the account after they ensured that all debits would be transferred to the new account for 45 days. I began to see that all charges that came into the account were being transferred to the new account. I called Thursday and Friday to ensure that my Medicaid ( State of Maryland ) deposit would clear. They ensured it would be transferred. After my call at XXXX on Saturday, I was told that they refunded the check back to Medicaid ( State of Maryland ), and my account is at an all-time low. Since Medicaid sends out checks every Thursday, this puts my business behind and damages our operations and payroll.
Product: Mortgage

Citi mortgage, loan XXXX foreclosed on my home even though I had already paid over {$20000.00} ; they also arranged insurance and made money off my premiums. 
I want my money back to take care of my XXXX brother and XXXX year old Mother. 
We can barely afford XXXX bedroom apartment but sleep on chairs by my brother 's bedside.
Product: Credit card or prepaid card

On XXXX XXXX 2023, Bank of America suddenly closed all my credit cards and forfeited my rewards. The reason is that my account had irregular transactions and my credit score is only XXXX. I contacted Bank of America as I believe that is a mistake as I never had an irregular transaction and my credit score is not low. But they refused to explain. I asked them to help me to pay unpaid balance as I could see my accounts online anymore. The representative muted me and her helper said she was disappeared and then the helper laughed and said he is XXXX XXXX XXXX and told me the bank can do whatever they like. Obviously Bank of America credit card department is having so much hate and playing a trick with a discrimination. Even some threatening. That is very serious.
Product: Credit reporting or other personal consumer reports

You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

XXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened XXXXXXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX Account Type Balance Date Opened Debt Buyer {$940.00} XX/XX/XXXXXXXX  Debt Buyer {$620.00} XX/XX/XXXX Debt
Product: Money transfer, virtual currency, or money service

This complaint is in reference to case # XXXX against Square. Square requested that I open a new savings account and I did on XX/XX/XXXX. I contacted Square and let them know that I opened a new savings account. They sent a link for me to verify the amount that was put in the new account which was XXXX. The link continued to take me back to the sign in screen and would not allow me to verify. I waited one week and contacted Square again and spoke to XXXX who then verified my account and she assured me that the account was verified and my money would be transferred into my account in 1 to 2 business days. It has been another week and Square has not transferred my money into my account. My business is suffering because they are holding my money. I will be also contacting a lawyer if this isn't resolved soon.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2023 To whom it may concern, THIS letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681 e ( b ) compliance and procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible Accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, Mail or email in a fraudulent account. I demand to see verification proof ( i.e an original contract with my signature on it ) that you have on file for the account listed or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts Has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be deleted and if you are unable to provide Me a copy of verifiable proof, you must delete the account listed below. 
I DEMAND THAT ANY ACCOUNTS BE VALIDATED OR DELETED IMMEDIATELY. 

In addition, Delete All non-account holding inquiries over ( 30 ) days old, also, please add a promotional suppression to my credit file.

Under Federal law, you have ( 30 ) day 's to complete your re-investagation. Be advised that the description of the procedure used to determine the accuracy and completeness of information is hereby requested as well, to be provided within 15 days of the completion of your re-investagation, Thank you XXXX XXXX
Product: Credit card

XX/XX/XXXX - I contacted Chase Fraud Department to report multiple unauthorized fraudulent charges on my Chase credit card ending in " XXXX '', and that this card was no longer in my possession as well as my US Passport and XXXX Driver License that were also stolen. These fraudulent charges are too numerous to enumerate in this description and span across the months of XX/XX/XXXX through XX/XX/XXXX. Chase agents have however made cursory analyses and stated these amount to approximately {$10000.00} in unauthorized charges. 

XX/XX/XXXX - I received a letter from Chase ( SEE ATTACHED ) stating general actions taken. It is worth noting that this is the only letter from Chase I have received as of today XX/XX/XXXX, which does not even illustrate a complete accounting of all fraudulent charges, which would have greatly assisted me in providing CFPB with a more accurate figure of charges. 

XX/XX/XXXX - Despite me providing them REPORT NUMBER : XXXX ( SEE ATTACHED ) with my local police department, XXXX XXXX XXXX Police Department ; providing them updates on the due diligence I did reaching out to merchants involved in these unauthorized transactions whose contact info are available thru chase ; and providing them phone and email accounts of what had transpired, as well as clearly and validly establishing ( via email and phone call ) that the card in question was no longer in my possession and was used fraudulently, Chase Fraud Team still notified me that the temporary credits they implemented on my account will be lifted and charged back to my credit card permanently. They did NOT provide substantial, definitive and clear explanations as to why they deemed me responsible for more or less {$10000.00} worth of charges, and only resorted to speculative arguments such as me not reporting these charges sooner. Needless to say, I am appalled and I find this ruling unacceptable, especially for that astonishing amount of money I do NOT have. I have pleaded over the phone for reconsideration and recommendations on how to further establish my non-responsibility over this gross amount of fraudulent charges, but the agent simply stated that I could " pay it over time '' which is insulting and not at all helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect for an unknown debt. They have not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Product: Credit card

I have been a customer of Citibank using the Citi Doublecash as my primary credit card. 

On my statements ending in XXXX and XXXX, I was charged interest on purchases. I should not have been charged interest - there was a bug with payments being applied to the account as a whole but not to standard purchases or my balance transfer offer. Thus, the balance subject to interest rate in both of these months was higher than the previous statement balance ( makes no mathematical sense... ). I called Citi in XXXX and XXXX after I received these statements. I was credited for the incorrect interest charges. In XXXX, a Citi representative informed me that a report was made so that this bug could be corrected. 

Most recently on XX/XX/XXXX I received my statement. Again, I was charged for interest and the total balance subject to interest was higher than the previous statement balance. I made a {$5000.00} payment during my XXXX to XXXX statement period and while this was applied to the balance as a whole, it was not applied to my balance subject to interest rate. I have included my statements for reference. I tried calling on XX/XX/XXXX around XXXX PST and eventually spoke to Floor Supervisor " XXXX '' who was unhelpful and rude. He was not able to answer why the balance subject to interest was higher than the previous statement balance but insisted the charges were legitimate. Looking at my statement closing in XXXX... 

Previous statement balance = {$24000.00} Payments during period = - {$5000.00} ( excluding new purchases to calculate balance subject to interest ) Total balance subject to interest = {$19000.00} In addition, most of this is a balance transfer that is charged interest at a much lower rate. 

Instead, the balance subject to interest rate is a total of {$25000.00}. This makes no sense as this is higher than my previous statement balance and current statement balance.
Product: Credit reporting, credit repair services, 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. 

I told the Transunion to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX : # XXXX. 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 suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting.