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

Very recently I got a call from a man calling himself XXXX XXXX, an investigator saying I had recently sent a series of money payments to a XXXX XXXX XXXX in the XXXX and that XXXX XXXX had ties to a criminal organization. This was on my answering machine and XXXX XXXX asked me to call XXXX to discuss the matter. I did not call back. The next day I got 2 calls from men claiming to be with XXXX concerning the same issue asking me questions about my relationship with XXXX XXXX XXXX, I refused to answer, I told them to contact my local police and I would talk to them. The caller said, " it does not work that way '' but they could mail me identification papers, ( they had my mailing address. I ended the conversation at that time by hanging up on them. I called the Department of Treasury consumer line and asked if XXXX XXXX worked for them, I got a voice mail today saying he does not work for them. 

I do know of XXXX XXXX XXXX as he is the son of a friend of mine in the XXXX. I did try to send him money once thru Western Union but it failed because a transfer I tried to his mother failed as well. There is more to the story 's after math but that would be another case. The bottom line is Western Union had to be hacked and the scammers are still after me.
Product: Credit reporting or other personal consumer reports

Experience has failed people fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report in accurate or verified account unresolved.The Consumer Financial Bureau ( CFPD ) has recently filed against Experian, alleging systemic issues such as failing to forward consumer- provided evidence and accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

On XX/XX/2021 my unemployment weekly amount was put on my Way2go card. Immediately after I transferred the entire amount to my XXXX XXXX XXXX account. They claim it takes 3 - 4 business days but it has never cleared with XXXX. I spoke with 3 different customer reps. at Way2go and they are all giving me the rundown that I need to be patient. Today is the XXXX & I have spoken with XXXX a couple of times. They have no record of any pending transfers from Way2go. The last message from Way2go said that it could take up to 5 weeks to resolve any issues. This is ridiculous I need my money to be put back into my account. I have XXXX $ presently in the account from this weeks payment. I am missing last weeks payment which should equal total of {$720.00} in my account as of today. Please help me. Thanks
Product: Checking or savings account

There are 2 major issues happening with Fifth Third Bank. 1. ) I was scammed out of {$1500.00} on XXXX XXXX. On XX/XX/XXXX I had hired and paid a company that was verified on XXXX to move furniture from my house to a storage unit. I didnt receive the service. After hours speaking with representatives & a denied dispute, I am still out of the money. I was scammed. What bank doesnt protect their costumers. I am now reopening ANOTHER dispute because they want me to prove I didnt receive the service. How do I prove that? Send a photo of the empty storage unit?! XXXX. ) Today, XX/XX/XXXX, I sent a XXXX transaction to my fianc for {$500.00}. The money was immediately removed from my account and I received a confirmation that the money was sent to my fianc. She was notified and she accepted the payment. She then got notice that THE BANK cancelled the transaction. I called my bank & asked where my money went? They told me I was out of luck basically and that they did not know where my money was. They offered to dispute it but told me it would be 45 days to even potentially receive a credit for the money. In less than 1 month I am out {$2000.00} because Fifth Third Bank is so incompetent they cant even see straight. They refuse to help me, they continuously deny my disputes. As soon as I get my money back, I am leaving the bank and never returning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, sorry to bother you. I had an account with ( XXXX ) and they made a business decision to close out all of their consumer 's credit cards and open up new credit cards using the personal information that they already had. They mentioned that they alerted the consumers of this change but I didn't receive notice. I never gave anyone permission to open up a new account using my credit information. I wrote to all 3 bureaus and contacted my local attorney general 's office as well as the company ( XXXX ) I don't think it's legal to take someone's personal identification to open up an account on their behalf because it's beneficial to your company. I never opened a new account. I asked the company repeatedly to close and remove this tradeline that I didn't open nor gave permission to open and I keep getting a runaround. They finally closed the account but are refusing to remove it from my credit report. The company is at fault for failing to confirm with the consumer beforehand when it comes to opening up a line of credit using someone's social security number and other identifying factors. XXXX works with individuals that have poor credit, bad credit, and no credit. I feel this is predatory as well because I don't think this happens with other companies, I have several other cards and this has never happened. No one should have the right to open up a line of credit in your name, even a business that already has your information. Below I have included letters from XXXX mentioning that 1 ) It was a business decision 2 ) There was nothing the consumer could do about it ( even though it's the consumer 's information ) 3 ) They clearly state that the consumer didn't open a new account. Thank you for your time, I hope you can help.
Product: Credit reporting or other personal consumer reports

Please see attached complaint, identification documents, FTC identity theft report, and XXXX XXXX identity theft report.
Product: Money transfer, virtual currency, or money service

Ive had my cashapp account for XXXX  years now. For XXXX  years Everything has been under my name and social security number. I ordered a replacement card in XXXX and all of a sudden my legal name, social security number, and name on my card has just changed. They have not helped at all and can not explain it so they just respond saying they cant answer any further questions. Ive change my account to a business account in XXXX and everything was still fine. Now this year lo and behold my XXXX XXXX has been changed with the name and social security number. This makes no sense I dont know whether to sue at this point of what, but now XXXX cant even file my taxes.
Product: Credit card

I asked why they are charging me a maintenance fee on an out that was closed in XXXX XXXX XXXX They have been charging me monthly with a maintenance fee even though the account is closed. 

I asked them to reopen my account since I am paying the maintenance fee, they refused. 

I asked for a representative in the united states, they refused, even though the card is issued by the XXXX XXXX XXXX 

I asked for them to refund the maintenance fee, since they are allowed to charge interest on a closed account, but not a maintenance fee, they refused. 

The representative kept placing me on hold stating that she was going to transfer my call, however she did not actually transfer my call. 

They then told me that they will continue to charge a maintenance fee until the account is paid in full. 

The representative then stated that she was transferring the call to a supervisor, however, instead of transferring me she answered the phone and said that she was disconnecting the call since I was recording. 

I never stated I was recording, nor was I actually recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the DPT ED/XXXX and US DEPT OF ED accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Bank account or service

I opened a Wells Fargo checking account on XX/XX/XXXX. Later I found out that they setup an opportunity checking account which has limits on what I can do with my money. I could n't send or receive transfers, use the mobile app surepay, could only deposit money at the teller or atm. I called Wells Fargo and asked them about this policy for that type of checking account. They said that I would be graduated to a regular checking account after i 've had the account for a year as long as the account was in good standing. Well XX/XX/XXXX strolls by and nothing happens. I call Wells Fargo again and they tell me that they ca n't graduate the account online, so i got to the local bank. At my local WF bank they tell me they ca n't graduate the account. They tell me it is automatically done. Nevertheless im not taking no for an answer so i try to go around the system. I applied for a prepaid card with WF. I was denied for that too!!! At this point I am extremely XXXX. How can I get denied for a simple prepaid card? After applying for the prepaid card and receiving my decision from the bank they tell me I will receive a letter in the mail stating why I was denied. I received the letter and it tells me nothing. Instead it states if I have any questions about the decision to call customer service. I call the number they provided in the letter and the agent cant tell me anything except read verbatim the same exact letter I received. I talked to 2 other agents and they could n't tell me anything either. At this point im livid with Wells Fargo. I close the the idiotic opportunity account and take the rest of my money. Furthermore, I also tried to get a joint account with a friend whom already has a regular checking account with WF ( again trying to beat their system ). Consequently they denied that too. Once more they ca n't tell me why I was denied for the joint checking account. They also did n't state in the letter if they ran my credit or not. If they ran my credit I have the right to know. The reason why i 've tried so hard to establish a REGULAR account with WF is they are nationwide, convenient, technology friendly. It would be easy to receive money for my baby son and his needs from his father.
Product: Credit reporting, credit repair services, or other personal consumer reports

account is paid in full. when i requested a COMPLETE ORIGINAL APPLICATION AND PAYMENT HISTORY years were missing and the application was a computer printout not an application, with incorrect information. they do not have acurate information and need to delete the account.
Product: Mortgage

In 2013 I did a loan modification loan with XXXX and the deferred balance was to be removed if I comply with the modification. I did comply and made the payments on time. Years later the the loan was sold to Selene Finance and the Defferred balance was added to the account again and it show that I owe that amount. I need that deferred balance removed so that I can refinance my home. I spoke to XXXX and they said Selene has to remove it but they havent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that I did not give consent to run my credit. Please remove them from my credit report I have no knowledge nor any accounts that are positively attached to them. Equifax is stating that " inquiries are a factual record on file. '' How are these inquiries factual when I have contacted the creditors and there is no account. For the more they have no knowledge of me doing business with them. I have supporting documents of proof that these creditors have requested deletion of the inquiry. Given the recent breach with equifax, they are impossible to get a hold of again. Thank you for your time and cooperation.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX and XXXX XXXX ( XXXX ) requires hospitals to provide emergency care regardless of your ability to pay. 
The state collection service is a medical bill from the emergency room, and I was supposed to be covered under XXXX. I request this medical bill to be removed because it's not accurate. 
I am covered in Maryland and they have not given me the correct medical bill, nor corrected this
Product: Debt collection

A COMPANY COLLETOR IS TRYING TO COLLECT A DEBT THAT I DONT RECONIZED OR OWMED i dont know any from this company i never recive a call or letter or any explanation of this debt i never sign a contract or buy any product with this company Balance {$13000.00} Balance updated XX/XX/2023 Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give your company consent to furnish any hard inquiries on my consumer repor. I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.
Product: Money transfer, virtual currency, or money service

Respected Sir / Madam, Here is the info I would like to share about this incident : XXXX XXXX and XXXX XXXX XXXX reached out to me inquiring about a apartment regards to add which I posted in XXXX Website for Room Sharing and they said that they want to send some deposit in my account to reserve a room and asked my account number.Once they got my account Details ( Bank of America ) they did a scam to calling my Bank and opened 2 Debit check fraud Claims on my behalf and at same time transferred XXXX $ of 3 which is total of XXXX $ did wire transfer through XXXX Transfers from My Bank ( BOFA ) To Recipient 's Bank on name XXXX ( XXXX XXXX ). After this fraud transactions completed, the recipients completely blocked my phones and emails. 

Once I seen this deductions of XXXX $ and fraud claims happens on my account Immediately I contacted my bank ( Bank of America ) they opened the case ( XXXX ) and after 2 months my bank responded saying that your case got declined because the Recipient Bank ( XXXX XXXX ) said unable to release / reverse back of XXXX $ back to your account. so my bank said finally this is completely comes under fraud crime so I have to file complaint with ic3.gov. 

Here are the Recipient Contact Details : XXXX XXXX ( phone : XXXX, email : XXXX ) and XXXX XXXX ( phone :XXXX, XXXX & email : XXXX, another email : XXXX )
Product: Checking or savings account

I opened a savings account with Citibank when they offered a promotion to receive a {$450.00} bonus. I deposited approximately {$200000.00} into the account in XXXX and XXXX from other financial institutions. I made a single wire transfer out of the account for approximately {$120000.00} to purchase a vehicle in XXXX. 

On XX/XX/XXXX I logged into my online Citibank account and it stated my savings account was blocked. I called customer service and they told me they are planning on terminating my account in 30 to 60 days after which they will mail a check for the remaining balance. Citibank refuses to provide me with my account balance or how much money will be refunded to me. Agents of Citibank now just hang up on me and my wife when I call them. 

The promotional {$450.00} bonus was highly misleading and appears to have been a ploy to entice me to make a large deposit into the bank only for the bank to hold my money XXXX and profit off of me. They are trying to force me into giving them an interest-free loan for 60 days. I have no idea when or if they will refund me the balance of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX/XXXX  XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX : {$1400.00} ; CONNS XXXX Balance : {$6300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$790.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Currently, XXXX, XXXX and Transunion are reporting a Bankruptcy XXXX XXXX. I initially sent a letter to all three bureaus on XX/XX/2022, asking if this Bankruptcy could be validated. While waiting for a response I reached out to the Bankruptcy Court and asked if this information could be verified. In turn I was was advised by, Bankruptcy Court does not share or report information with Transunion, XXXX or XXXX. Because I understand it takes time to process a validation requested, I waited until XX/XX/2022 to send another follow up letter. I had received no responses, therefore I requested for Transunion, XXXX and XXXX to provide any supporting documentation that would validate this bankruptcy. Yet again I still received not responses. I sent 2 additional letters on XX/XX/2022 and XX/XX/2022 requesting the bankruptcy be removed from all three bureau 's as none of this information has been verified. Furthermore there were also several student loan late payments and collections accounts on my report that incomplete and inaccurate reporting. As far as the Student loans, I had sent several letters dated XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I noticed there were several late payments indicating I was 120 days late however the previous month I was on time. How can you go from on time to 120 days late within 30 days. This is not accurate and should not be reporting. I have sent four letters asking for validation and i have not received one response, or proof supporting the reportings. Lastly there had been some collections added to my report i had no knowledge of and again i requested for these documents to be validated and i haven't received anything. i have attached all the letters i have sent.
Product: Debt collection

I sent a letter regarding collection sent to I.C. Systems, Inc. on XXXX XX/XX/XXXX. They posted a claim on my credit report sometime in XX/XX/XXXX. 
I do not owe for cable TV/Internet services from XXXX / XXXX XXXX billed for {$440.00} or {$280.00}. 
I was divorced in the early XXXX and moved from the address at that time. Under the XXXX XXXX, MI divorce decree, my former wife retained sole ownership of home. She sold the home and moved in XXXX. She passed away XXXX XX/XX/XXXX. I.C, Systems is trying to collect on a debt which supporting document claims was incurred from XX/XX/XXXX through XX/XX/XXXX and due XX/XX/XXXX. My ex wife was dead. Neither I nor her occupied the address during the period of the claimed debt.
Product: Money transfer, virtual currency, or money service

I dont have specific dates this was around summer time XXXX but due to zelle not having a protection plan for users, when the money I sent was sent to the wrong person no one did anything to recover my lost {$500.00}.
Product: Checking or savings account

I was charged a $ XXXX on multiple transactions due to my account not having funds even though it showed funds in my account this was around XXXX and maybe before than in XXXX i dont recall when i opened my account.