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

On XX/XX/2020 I purchased 15 twin mattress for a business venture the total cost was {$3300.00}. The sales clerk offered a 90 day same as cash with NO CREDIT check option. I have excellent credit and try to keep my inquiries at a minimum. I took the option knowing I would have this paid off within the 90 days to avoid any interest. The time for me to pay {$2000.00} back is anywhere from XX/XX/XXXX - XX/XX/2020. I check my CB almost daily due to the industry I work in requires I keep good sound credit so I keep tabs on it. I noticed on XX/XX/XXXX XXXX XXXX reported to the bureau I opened credit with them for {$4500.00} on XX/XX/2020. This is not factual I opened credit/lease on XX/XX/XXXX and the amount granted was {$2400.00} of which only {$2000.00} was utilized. How can they say I owe {$4500.00} when I only used {$2000.00}? I asked how can you report interest before its earned? The company says it's not interest but a daily lease fee on a 12 month lease. I asked again how can you report a fee in advance of it being earned? He said again it was not a fee not interest but a daily charge. This makes no sense and sounds predatory. For individuals with bad credit and not credit conscious they can get away with these practices, however I'm astute enough to know this is wrong. If you grant {$2400.00} then the line item should reflect {$2400.00} with a balance of {$2000.00} which I've made a payment so the amount owed is {$1600.00}. How is the balance and credit {$4500.00} regardless of payments made? The rep told me they are not a credit card but a lease ... so they do it differently. I'm old enough to know 2+2=4 and 3+1=4 it all has to make sense and this doesn't. XXXX XXXX should be investigated for predatory behavior and reporting erroneous information.
Product: Money transfer, virtual currency, or money service

This happened on XX/XX/XXXX. Was contacted by who appeared to be my financial institution as shown by my caller id, and stated that my account had been hacked. Then proceeded to tell me that {$3500.00} was wired out of my account through XXXX which I do not have an account, but is a third party app on the banking app. They then told me that the money would be credited back to my account in my name, but it did not. I contacted my bank, which is Bank of America and a fraud claim was filed on XX/XX/XXXX. I have called them 3 different times and am getting nowhere with them, and am not getting any answers as to where my money is, or where it was sent, or whom it was sent to. They even told me that I would get an email with an update on where things are with this issue on XX/XX/XXXX, but never did. So when I contacted them again on XX/XX/XXXX, they told my they had no record of anyone even telling me that I would receive an email on that date. I am getting no definate answers in this either way, and am growing very frustrated especially knowing this type of fraud is very common with Bank of AmericaXXXX, and they are doing absolutely nothing at all to prevent this from happening to any of their account holders.
Product: Credit card

I placed a order from Macy's.com and never received the items. I filed XXXX disputes and they where denied. Never providing a signature or where it was left. I shortly went on vacation and never got it.i came back looking for it it was never here. Noone in my family signed for it. Now I'm being charged interest on stuff I never received I ask for a resend of the lost items. Denied. And I've been a faithful loyal client to remove since XXXX. Very disappointing XXXX XXXX XXXX {$960.00}
Product: Checking or savings account

I copied the following email that explains what is going on. I had a business checking and savings account with XXXXXXXX XXXX  a division of BBVA Compass in XXXX, Alabama. They took money from my account and won't give it back and gave me no reason. They also closed their XXXX XXXX in XX/XX/2021 and now I'm afraid I really will never see my money. I contacted XXXX XXXX  today and emailed them. I want a cashier 's check. I just want my money back. It's mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX, Owner of XXXX XXXX XXXX XXXX, XXXX. 

On XXXX XXXX I tried to send money to XXXX XXXX XXXX XXXX XXXX amount of {$48000.00}. The local bank manager, XXXX XXXX XXXX would not release the money to XXXX. I have attached a screenshot of the transaction in this email. 



Account Name : XXXX XXXX XXXX Bank Name : XXXX XXXX  Routing # : Account # : Account type : Checking account XXXX address : XXXX XXXX XXXX, MN XXXX So, I am trying to get my money back. XXXX was told to communicate to me how I can get it back and that is to have my branch send a " hold harmless agreement '' and to get the name and info of someone to speak to directly. 



My bank is called XXXX XXXX It's not a branch where you can walk in and deal in person. It's a virtual bank, thereforefore you must email to get any communication started. 



I am cc'ing XXXX XXXX in this email in hopes to get that process started so, I can get my money back. It's been a long time since I have been trying to get it back. I have new clients that are coming on board. 

I need to finalize this transaction to move forward with them. 

I hope and pray you can help me with this. 



I just want to point out that my name is real. It's on my ID and birth certificate. I've been accused of committing fraud. Some organizations think I'm using a fake name or a business. 

It's a real name, XXXX XXXX XXXX. I have been treated with racism trying to do business and build myself up over the years. Maybe this is part of why XXXX couldn't receive money. I assure you my name is real and if you need a copy of my ID I can supply that. Us Native Americans get treated horribly since assimilation. Some of us like myself are trying to come up out of the pit of poverty that the United States Government put us in. I'm just trying to make an honest living. Noone in my company or affiliated with my company is committing fraud. 



XXXXXXXX XXXX, can you reply to all when you respond to this email please? 



Most respectfully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Cell : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern with Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately they informed me recovering lost funds was impossible and tracking these transactions was infeasible. The cfpb finding indicates that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. That lack accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

1. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE Child Support Case Number : XXXX Please remove this from my credit report!
Product: Checking or savings account

I am reporting fraudulent activities on my Bluebird Credit card. On XX/XX/XXXX around XXXX I went to the ATM at the XXXX Store at the XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX I attempted to withdraw {$100.00} out because the day before, on XX/XX/year> I had checked my Account before I went shopping and I had around {$490.00} in my account. I went to a sporting goods store in XXXX at XXXX XXXX XXXX XXXX XXXX named XXXXXXXX XXXX  where I bought a pair of Tennis shoes for {$75.00}. I used my Bluebird Debt card, on my way home, I stopped at XXXXXXXX XXXX XXXX XXXX and bought XXXX cans of XXXX XXXX totaling {$9.00}. Those were the only XXXX items I purchase on XXXX XXXX. I did not use my card after that on XX/XX/year>. The next day on XX/XX/year>, I went to the ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX store, because I knew I could withdraw {$100.00}. When the ATM rejected my card, I immediately went on my phone to check my Bluebird Account Balance and it showed that someone had pull out {$400.00} on XX/XX/year>, with a {$2.00} ATM Fee at XXXX XXXX XXXX. I immediately XXXX that address and it show it was XXXX XXXX XXXX in XXXX. I was confused as to how this that could happen as I have only XXXX credit card which I keep on me at all times. I have ever in my 10 years with XXXX told anyone my XXXX # or loaned out my card to anyone. So, I called Bluebird immediately and reported this incident when I had discovered what happened. I told Bluebird that whoever did this, left me with only {$0.00} in my Account. Now, when I look at my Bluebird Account on my phone, it is showing that I made XXXX purchases on XX/XX/year>, my XXXX purchase of {$75.00} and the XXXX XXXX purchase of {$9.00}, which an incorrect date. I have my receipts for both the XXXX XXXX XXXX and XXXX XXXX purchases were made on XX/XX/XXXX, XXXX XX/XX/XXXX. The way it shows on my Bluebird account looks like I made those purchased after the fraud was committed and that is not correct, and Bluebird is refusing to refund me my money. I'm going to also show this to the XXXX XXXX XXXX the is handling the Theft-Credit/Debit Card XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a call claiming to be Wells Fargo. They were calling about suspicious XXXX transactions on my account. They provided some personal information and account information to verify and they spoofed the caller id number. They went through the process of " canceling '' my debit card and then helped talk me through refunding the XXXX transactions that I said I never made. I couldn't see them online, but they assured me it's because they were under review for fraud. They had me set up a XXXX contact to under a number they gave me, listing my name and Refund as the contact name. I then sent XXXX dollars to this " refund '' number, as instructed. They then asked me to do it again for {$500.00}, but at that time my roommate ( who was searching scams online ) showed me a story of a XXXX scam that was exactly like what I was going through. I immediately hung up and called the XXXX number on my debit card, where they confirmed that the person I spoke to was no a XXXX employee and I was, in fact, scammed. I immediately filed a fraud claim. A few weeks later, since I hadn't heard back from XXXX I called and was told that the WRONG fraud claim was filed. They had filed a debit card fraud claim, and apparently it should have been an online fraud claim ( or Vice Versa ). So another fraud claim was filed with XXXX for me. A few weeks later I received a letter stating my claim was denied because I authorized the payment. It is true, I authorized the payment because I was lied to by someone claiming to be a Wells Fargo employee. I gave up, until I talked to someone who went through the same thing, but then received an unexpected refund from XXXX, after their claim had already been denied. I have not received any money back and I am wondering why some people are being refunded for the same scam while others are not. It was incredibly violating and disheartening, as the XXXX representatives I spoke to when filing my claims made me believe this would be taken care of and I would get my money back. The only reason it didn't empty my bank account was I had just receive my tax return via direct deposit, otherwise I would have had nothing.
Product: Mortgage

XXXX XXXX has been working with Bank of America for home retention options. She was advised that one of her options is short sale. She listed her property with a local real estate agent on XX/XX/XXXX and received an offer. Per Bank of America 's instruction, we have been trying to initiate the short sale into their " XXXX '' system to begin review. In our many discussions with Bank of America, they informed us that they are having troubles with initiating this file and opening up the review. This " delay '' has gone on for over two week. Daily, when we speak to Bank of America, they advise that they are having issues with their system and that they will look into it. On XX/XX/XXXX, I was advised by Bank of America that too much time had gone by trying to open the file and that we are now too close to the upcoming foreclosure and that Bank of America will no longer entertain a short sale. 

Bank of America has agreed that the issues and delays were internal but their unwillingness to work with us because " too much time has passed '' is completely contradicting to them admitting that the mistake was on their end. 

It is not fair that XXXX XXXX should have to pay the price because Bank of America can not figure out how to practice their own internal procedures without errors. Their borrower has reached out for assistance and is being denied it for a reason that is not in her control.
Product: Money transfer, virtual currency, or money service

This is not a duplicate. It is a description of US Bank 's risk to the consumer through systemic financial elder abuse. 
US Bank do not have the mandated liquidity requirements the XXXX XXXX framework requires. Under the XXXX XXXX framework, which is the international regulatory framework for bank capital adequacy, banks are required to maintain a minimum XXXX XXXX capital ratio of 6 %, which is calculated as Tier XXXX capital divided by risk-weighted assets. In terms of liquidity, the US regulators require banks to maintain certain liquidity ratios, such as the Liquidity Coverage Ratio ( LCR ) and the Net Stable Funding Ratio ( NSFR ), which measure a bank 's ability to meet short-term and long-term liquidity needs. 

Since they do not have the capital to cover losses, they systematically target elders to retain and grow their accounts with unauthorized next generation bank deposits. 

The modus operandi at US Bank is : XXXX ) When cognitively challenged elders are faced with trauma such as the death of a spouse, there is a potential for transition of the account to a different bank. 


XXXX XXXX U S Bank targets these accounts by opening unauthorized US Bank Guardian accounts opened without guardianship appointments by a court of law. These accounts are utilized with the children as guardians to keep the large accounts in house. Children transfer income such as Social Security, Veteran 's pay and required minimum distributions from IRA '' s received in these guardian accounts to US Bank accounts in their name. 

XXXX ) Children open out of state US Bank accounts to transfer parent 's money into US Bank accounts in their name. In my case, accounts were opened online in Florida. My mother and sister resided in Oregon. {$15.00} XXXX was transferred to my sister 's name through US Bank XXXX This is an illegal transaction. It violates many banking laws including BSA, AML, SAR. US Bank commits fraud. 

XXXX ) Changing the beneficiaries on IRA 's and pensions so that US Bank retains the accounts after the elder dies. ERISA violations were cited by former employees and families of elders in several court cases against US Bank. This is fraud. 

When US Bank is subpoenaed or requests for information made, US Bank makes up a new law to fit the crime. In XXXX I subpoenaed for bank records, they stated that the records could only go back XXXX years. My mother died in XXXX. That is XXXX years. This is a made up law to keep the records secret. This is fraud. 

Bank responds with fictitious laws when client requests information. 

My parent 's died intestate. As everyone knows, intestate means the children inherit the estate. Their latest response required that I send them a court ordered document stating that I was a representative of the estate. Another made up law. 
US Bank is breaking the law to get and retain money that does not belong to them. They commit violations of several laws including money laundering, BSA, SAR, and fraud to keep these accounts. This is due to inadequate risk-loss ratio that does not conform to the law causing further violations to maintain existing accounts.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
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: Checking or savings account

On XX/XX/XXXX an account under my maiden name ( XXXX XXXX ) and old residential address was opened, I was notified via email, XXXX Subsequently, on XX/XX/XXXX, another account was opened, under my maiden name ( XXXX XXXX ) and old residential address was opened, I was notified via email, XXXX Each incident was reported to Bank of America on the day the account was opened to report fraudulent activities. To the best of my knowledge, no money or transactions occurred. 

Fraud case id # s are as follows provided by Bank of America : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello University XXXX XXXX has continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth University XXXX XXXX has never responded to me. So how is experian verifying this information. According to her phone call I had with a experian rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries appearing on my credit file. These inquires are unknown to me and should be considered as fraudulent. Remove these unauthorized inquires immediately. 

1 ) XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) 6 ) XXXX XXXX ( XXXX )
Product: Checking or savings account

Opened a key bank checking account around XX/XX/XXXX during a promo in which you deposit XXXX $ & they send you XXXX $ had 4 representatives tell me different stories. 2 representatives had no knowledge of the promo never told me you had to make a single deposit of XXXX $ in order to receive the XXXX $ then another representative tell me months later on XX/XX/XXXX you had to make a single deposit to receive the XXXX $ then the last representative tell me you had to make a single deposit off XXXX $ in order to receive the XXXX . Ive wasted months trying to do exactly what was asked only for it to be the wrong information. Ive been directed to different people & my issue still hasnt been solved
Product: Vehicle loan or lease

i have a loan on my credit file which is not mine, i asked Hyundai and they sent me the invoices showing it is not mine but wont review from my credit
Product: Debt collection

I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : XXXX XXXX XXXX -- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX -- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there XXXX have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.
Product: Credit card

I submitted an application for the business XXXX XXXX card and was subsequently approved. 

After receiving the card, I attempted to sign up for online access to the account through Capital Ones website but was not successful.

When I called Capital One, I was told that the Social Security Number associated with the account was not correct. Given the error, I assumed I inputted the Social Security

Number incorrectly. However, when I looked on my credit report, a hard inquiry wa
s made which suggests that I inputted my Social Security Number correctly and somehow/someway it was altered or changed on Capital Ones side.

Since it is not an easy process to fix Capital Ones error, I decided to cancel the card without ever using. 

Given the nature of error occurring on their end, I asked them to remove the inquiry but are refusing to remove the hard inquiries despite the mistake that they have clearly made.