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

On  XXXX   XXXX ,  2017  I submitted a domestic wire transfer request to transfer {$10000.00} from my brokerage account at  XXXX   XXXX  to  XXXX   XXXX   XXXX  's account at Bank of America. I inadvertently entered the wrong receiving account number for  XXXX   XXXX   XXXX  's account, i.e. I omitted  XXXX  digit. On  XXXX   XXXX ,2017, the money was returned by Bank of America, minus a {$45.00} fee.  <P/> Since I had no contract or agreement with Bank of America to pay any fees, I do not feel Bank of America has any right to take a fee from me. Of note, Bank of America 's normal fee for an incoming domestic wire transfer is {$15.00}, which makes their taking a {$45.00} fee from me, and I am not the receiving party, even more unreasonable. As the sending party, I have agreements and obligation only with my bank,  XXXX , which does not charge me a fee.  <P/> Therefore I am asking that the {$45.00} fee taken by Bank of America be returned.
Product: Debt collection

Contacted via phone only about a debt supposedly owed. I have never received any documentation or any owed money to the original company nor have had any service as described by the debt collector. 
I asked for detailed information and they can not provide any specific information other than it being a final bill. 

I contacted the company they say is the original creditor and they can not provide any specific details on what they say I owe money to them. 

The debt collector will continue to proceed even though they do not have any supporting documentation, nor have ever provided anything in writing to me.
Product: Mortgage

The finance company intentionally underestimated the escrow to gain business. 

I purchased a house XX/XX/2019. At the time of closure county taxes, insurance was known to the finance company and escrow account was set up.

To gain business, the finance company intentionally lied about what funds were required in the escrow account setting up additional payments now. In this day and age it would take monumental incompetence to XXXX up escrow estimates with accurate tax information and I believe the company intentionally underestimates escrow or completely disregards due diligence. Either way I am extremely dissatisfied with the actions of cal-h.

Anyone doing business with caliber should take care.
Product: Checking or savings account

I have had security issues with my Citizens Bank checking accounts, particularly my personal account. I closed my original account, at the request of the bank as well as a subsequently account opened by the bank, that were subject to fraud. On XX/XX/XXXX, the bank arbitrarily closed the account, prevented me access to almost {$35000.00} of my funds and dishonored at least XXXX payment. When I called Citizens, I was referred to the fraud department. I was eventually told by a Citizens fraud agent that my relationship with the bank was terminated and that the my funds would be withheld until Citizens released them. On XXXX, I received a letter dated XX/XX/XXXX, informing me that on XX/XX/XXXX, at the close of business, I would be sent a check for the balance of the account. At all times during events, I have cooperated with the bank and have done everything they suggested to address the fraud issue. The issues were not caused by any intentional action or inaction on my part. The letter of XX/XX/XXXX suggested that I call my branch in XXXX, Massachusetts with any questions. As the bank was closed by the time I received the letter on XX/XX/XXXX, I called the branch on XX/XX/XXXX requesting information and, most importantly, access to my funds. I was promised a call back that day but have yet to receive XXXX.
Product: Credit reporting

I am doing mortgage shopping. I applied for pre-approval at XXXX different places within 13 days and got hit hard by it. My score when down XXXX points. It was my understanding that they show as XXXX inquiry and does n't affect much but XXXX points?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

On XX/XX/2023, I paid my balance down to zero ... on XX/XX/XXXX, BankAmerica added an additional {$73.00} interest charge.
Product: Checking or savings account

My bank account had someone access my USAA bank account ( unauthorized ) and made 2 mobile deposits, the checks did NOT have a check hold placed on them and less than 24 hours later, they were able to transfer the funds out. The account went negative when the checks bounced less than 48 hours after the first deposit. IF they had put a hold on the checks the funds would not have been able to be transferred out. Here is a history of the transactions that occurred between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Me and my wife ask Wells Fargo to investigate about fraud and discrimination, bias and prejudice. Been done to us by Well fargos bank employees. Every time my wife gift them the information not need to be investigated over the phone he switched up awards and do not put all the information and questions need to be addressed so me and my wife decided to put it in writing and send it to Well fargo buy priority, mail signature required they get it and said pages are missing. So we had to fax the pages that they lie and said its missing. The reason we withdraw case number XXXX is because every time we sent updated information to add to the case XXXX XXXX keeps on opening new cases we only have one case. She said to my wife XXXX every time I sent additional information for the case she have to open a new case she is the fifth person I am speaking about the case and everyone is Twisting our words over the phone and putting what they want. This new case have all the information and questions Wells Fargo need to answer.
Product: Checking or savings account

I am writing to file a formal complaint against XXXX by Goldman Sachs regarding the withholding of my {$20000.00} funds deposited from XXXX XXXX  in XX/XX/year>. 

Approximately XXXX weeks later, my account was temporarily locked without prior notice, and I was instructed to call customer service to resolve the issue. Since then, I have called Marcus by Goldman Sachs numerous times to address this matter. Each time, I am placed on hold for extended periods, only to be told repeatedly that an affidavit of identity letter would be sent to me. I have completed and returned this affidavit as requested, but my account remains locked.

The continuous delays and lack of resolution have caused me significant stress and inconvenience, disrupting my financial stability and peace of mind. Despite my numerous attempts to resolve this issue, Marcus by Goldman Sachs has failed to provide any meaningful assistance or update on my account status.

Additionally, I received a tax form for the 2023 year indicating that my account is active, yet I am unable to access my funds or any account details.

I am requesting the Consumer Financial Protection Bureau to intervene and assist in promptly resolving this matter. I seek the immediate unlocking of my account and access to my deposited funds. Furthermore, I request that Marcus by Goldman Sachs be held accountable for their poor customer service and failure to address this issue in a timely manner.

Thank you for your attention to this matter. I am hopeful that with your prompt assistance, this issue can be resolved in a satisfactory manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked all 3 agencies to take off an account in collections by CommonWealth Finance in the amount of {$440.00}. The original creditor was XXXXXXXX XXXX XXXX XXXXXXXX. 
I have informed them of the new law pertaining to this, where no medical bill in collections under {$500.00} is to remain on credit reports. They still will not take it off of my report. They keep sending me, what seems like, automated messages saying that the information in the report from the creditor is correct and this is my account and correct amount due. I don't know what else to do.
Product: Debt collection

This is an electric bill that has been paid to the electricity company XXXX XXXX XXXX. I should not be on collection of any kind. I ask the collection company Helvey & Associates to contact XXXX XXXX to confirm this account its been paid. Remove this collection ASAP from all credit bureaus.
Product: Debt collection

I have attempted to get this removed from my credit report by complaining to XXXX with no resolution. I do not live in any other state besides XXXX and I do not have telecommunication services with anyone except my mobile phone provider XXXX and XXXX. I am enclosing a copy of my XXXX bill
Product: Credit reporting or other personal consumer reports

false or inaccurate information or fails to provide information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt on my credit report for {$170.00}. 
This agency is not licensed to collect in my state. 
I disputed this with Transunion and they did not remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX & XXXX XXXX
Product: Debt collection

This debt was paid and should never have been reported to the credit bureau. I have been in the process of rebuilding my credit over the past 2 years. I t ake my credit score  and report very serious. I was unaware that this was on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX bankruptcy account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have a 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
Product: Debt collection

I am unaware of this alleged debt that was placed on my XXXX  consumer report ( See STAFFORD GRP_Exhibit A ) and I did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) ( See Exhibit B ) Debt Collectors must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( See Exhibit C ) If you, STAFFORD GRP / STAFFORD GROUP AND ASSOCIATES believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. If this information can not be provided. I want this alleged debt removed from all my consumer reports effective Immediately. 

This is really disheartening to know that STAFFORD GRP / STAFFORD GROUP AND ASSOCIATES can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer on the Consumer Financial Protection Bureau site. ( See Exhibit D ) I have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. ( See Exhibit E ) To validate the debt, I am requesting the following information : The original sales agreement pertaining to the debt in question. STAFFORD GRP / STAFFORD GROUP AND ASSOCIATES license and documentation proving your authority to collect this debt from me. 

Additionally, I request my written consent for STAFFORD GRP / STAFFORD GROUP AND ASSOCIATES to have my NPI ( Nonpublic Personal Information ) social security number, date of birth, address, and the contract that I agreed to publish the alleged debt to STAFFORD GRP / STAFFORD GROUP AND ASSOCIATES. Please be advised that this request is not an admission on my part, but rather a request for validation of the alleged debt. Upon receipt of the requested information and verification of its accuracy, I will then be in a position to discuss resolution. Please provide the requested documentation within the timeframe specified by the FDCPA. No validation of the alleged debt may result in taking further action to protect my rights. 

Thank you. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2018-XX/XX/2018 I wanted to work with Lexington Law customer service to get some assistance with getting my credit repaired. They asked me to pay {$99.00} per month, but I told them I could not afford that fee, so they decided to give me the special low rate at that time of {$45.00}, so I could start the process. I took the special low rate of {$45.00} and then I told them I would be able to start the process by the following month, not this month, due to the fact I don't get paid until the following month. Then Lexington Law customer service agreed and I asked them when will I be able to start the process of my credit repair program. Lexington Law customer  service told me that I would not be able to start because they don't want to wait another month to start the fees associated with starting to do the credit repair. But I told them we already agreed and you told me to sign the contract to start the process, so I could start paying the following month to do my credit repair. All Lexington Law customer service told me is that we are sorry, but we can not help you with your credit repair. I said you XXXX XXXX you lied! You are real XXXX! You told me I would be able to start my credit repair in XX/XX/XXXX, but then you contradicted yourself and told me that we can not start on the following month and we agreed upon it by a contract to start the credit repair program. Anyway, Lexington Law customer service told me to find some other company to help me with my credit repair issues and have a nice day! I told them I will never forget your company wronged me! I am going to report you for lying to me about giving me a special low rate of {$45.00}, lying to me that we could start on XX/XX/XXXX, then Lexington Law customer service renigged on the contract that I signed stating that I would be able to start my credit repair program with this company in XX/XX/XXXX. Also, I was told on XX/XX/XXXX, that Lexington Law credit repair company blocked me to do any other credit repair by their company! I told the customer service agent at that time I will report you! Also, I will report that you took money from my significant other as well in the following month and never did his credit repair at all. You told him you do not want to do his credit repair either! The name of my significant other is XXXX XXXX. Please help me find a resolution to not allow this company to not ever do a credit repair for anybody else, because they renigged on my contract to do a credit repair, lied about offering a special low rate of {$45.00}, lied about starting the following month for a credit repair and defrauded another customer by taking money from him and never offered any credit repair services..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00} XXXX  XX/XX/XXXX
Product: Credit card

I got XXXX  in XX/XX/, and I have been dealing with long XXXX  symptoms since then. This impacted my ability to work and gain clients because of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I took out personal loans to try and stay afloat, but I could not cover the payments for my business card with Wells Fargo in XX/XX/. I was current on my payments on my personal card and had made nearly {$6000.00} in payments the previous XXXX months. They closed my personal card in XX/XX/XXXX  after I made my last payment of {$450.00} on XX/XX/, and expected me to keep making payments. 

I did not make any more payments as they closed my account that was current and over a decade old. I was defaulting on other payments. Wells is suing me for the XXXX XXXX. I am fighting it because they closed a current account on someone suffering from XXXX XXXX symptoms. Wells doesn't need more profits. They made XXXX XXXX last year.
Product: Credit card

My capital one credit card is setup on autopay and instead of drafting the payment on the due date the charged me a late fee of XXXX past due fee on the due date. I dont understand why they keep charging me a late fee when I am set up on auto payments for my credit card it should never be late thats purpose of the auto payment
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX, has violated my rights. 


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
Product: Money transfer, virtual currency, or money service

XXXX My case was closed ( number above ) because the company said they was going to refund me Instead of making sure I got my check, this institution took the word of the business instead of the person who filed the complaint. As I said the case number is XXXX. The company NEVER issued the check as promised and now I have to file another complaint, because consumer finance just took what the company said. Now Im filing ANOTHER COMPLAINT because the check cashing company cashed my check fraudulently and never replaced it. Its a new year and Im still sending complaints and emails
Product: Bank account or service

I had bank account with PNC bank. On XXXX XXXX, 2015 I deposited a foreign check at my local branch drive thru teller. The next day I went to bank and withdrew {$500.00} cash through ATM. Later on in day I received email stating my account was overdrawn. When I deposited check teller never said there was gon na be hold on check and there was nothing on receipt. Few days later i received letter saying they were closing my account and would have to wait 45 days for check to clear. When i contacted PNC they said my account being closed was a corporate decision. I just spoke with someone at bank today and they said my money would be availible after XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2500.00} Terms NA fair credit reporting act violation never late
Product: Debt collection

This is regarding the account I had with XXXX XXXX XXXX XXXX, account # XXXX. My regular monthly billing for the internet service was {$30.00} which I paid diligently. One fine month my bill increased by {$55.00} to a total of Appx. {$87.00} ( just for internet service! ) without any contract notification to me. I called them to rectify the ghost billing, and they said that there is now increase to my billing amount ( without notifying me and giving me the opportunity not to renew their services with them ) and that I had to pay that extra amount. I disagreed to that and Paid them the {$30.00} that I was actually obligated to pay. I also cancelled their services and returned their equipment to the nearest service center I had three phone calls with XXXX XXXX XXXX to resolve this. I also notified them on 2 separate call that I was also receiving separate ghost billing with a different name ( XXXX XXXX ) to my mailing address. XXXX XXXX XXXX acknowledged that it was a case of fraudulent identity theft. 

XXXX XXXX XXXX did not rectify the ghost billing. They sent the {$55.00} amount to a collection agency called SEQUIUM ASSET SOLUTIONS, ( XXXX ) XXXX who did not notify me of any collection via Mail, but placed a claim notification with XXXX. Now my credit score is negatively impacted for no fault of my own. 

I want to lodge formal complaint against XXXX XXXX XXXX XXXX and Sequium asset, for harassing me for bills that I do not owe. They need to be penalized for creating undue financial misery.