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

Basically, Wells Fargo ( WF ) has taken our money ( almost {$5000.00} ) and is holding it hostage. Lets start from the beginning. Back in XXXX we linked a non-Wells Fargo account ( XXXX XXXX XXXX ) to our WF 's bank account. We followed the prompts WF required for the transfer. WF took the money out of our XXXX account then froze our WF account to investigate if this was a possible fraudulent transaction. We were in FL closing on a property at the time and XXXX was back in Nebraska. Once we returned to XXXX, we went to our XXXX XXXX, obtained the required documentation WF requested and went to a WF branch and provided it to them. We were required to show the funds were taken out of our XXXX account and that our XXXX account was legitimate. One we provided the documentation from XXXX in person to a WF branch, a banker at WF worked to unfreeze our WF account. Once it was unfroze, the funds never came. We called WF and they have officially lost our money. We have been assigned multiple people who will not answer our calls. They will assign us a WF employee who has 10 business days to investigate, if they can not find our money, we get assigned another employee who has an additional 10 business day to investigate and so on. They are now saying they have until XXXX to investigate. An employee from XXXX has cooperated fully and has provided WF will all documents which shows WF withdrew the money from our XXXX account. I am not sure how a bank during a pandemic can take OUR money and not give it back. WF is bouncing us around, assigning different employees to prolong returning our money. I am pretty confident if a customer was a day late on a bill or had an overdraft, WF would take minutes to tack on late/overdraft fees. How can they get away with this? How is this legal? In what scenario can a bank take OUR money and not give it back? Why won't they deposit our money into our account while they investigate? This is the absolute worst time they can have complete disregard for us. I understand they are a large company, but they should not be able to hold our money hostage and get away with it.
Product: Checking or savings account

Capital One said they have closed all accounts due to a business decision. However, if this the case how was the investment account not closed? I had to go through several means to get the investment account closed. Capital One explained why they could not send a postal confirmation. Just wanted clarification in regards to this matter.
Product: Checking or savings account

On XX/XX/2023, Chase took part in perpetrating fraud by opening a fraudulent business account at their bank where my wife 's and my funds were transferred to.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Collections Services Address : XXXX XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : Dear Credit Collections Services I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are incorrect and not coherent with the other credit bureaus. Some accounts do n't even have my name spelled right and do n't belong to me.There are accounts that are out of date and also closed that should be automatically removed but have n't been. I have tried to submit a dispute but I have n't gotten any feedback. This is hurting my credit score more than the correct debts owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously ask for a investigation into my credit file because there are account that are not reporting factual data please re- investigate these accounts and please hold these companies accountable for inserting incorrect information that is damaging people credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts #, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, 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: Checking or savings account

On XX/XX/2023, I contact the bank to open a dispute fo rmerchandize not received. They provided provitional credit. The bank never sent me any letter or information about the case and I noticed that they reversed the provitional credit given. I called the bank and they said that they sent some letter requesting more information, I said I never get it and checking the address the bank sent those letter to an address is not on file as my mailling address, they made a mistake and sent to an address ooutside of the US. 
I called to the bank and they said I will have a call back in 48 hours, nobody called me. 
I need to have this fixed asap, dont want to have my acount closed. 
This issue was caused for a bank negligence sending mail to an address that is not my mailling address. 

Dispute details : XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXXXXXX XXXX  XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXX XXXX At the moment of the purchase on the store I was adviced that they didnt have on stock the smartphones at that time in the same store, so they will send it to my address using XXXX XXXX and the delivery date given was no later XX/XX/2023. I never get the items and I tried to reach the merchant several times without success, nobody answer, I tried to call them to request shipping information tracking number or delivery confirmation. 
Attached goes the invoices and receipts.
Product: Vehicle loan or lease

I Purchased XXXX XXXX XXXX in XXXX. In XX/XX/XXXX car was repossessed with balance around {$11000.00}. XX/XX/XXXX, after viewing my credit report, I saw the balance at {$23.00}, XXXX. I called Quality Acceptance to see has the vehicle been sold. She said it was sold a month after repo ( XXXX ) for {$16000.00}. I then asked why wasnt I sent sale and/or deficiency notification as required by law and why was the balance {$23.00}, XXXX with {$250.00} in interest per month. We stated she could make payment arrangements with me for balance.Once I asked for proof that the legal process was followed and notices were sent ( sales information, fees, deficiency notices ) the call was dropped. I tried faxing and emailing and both were blocked.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous complaint & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days : EXPERIAN : XXXX 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
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX are consumer reporting agencies and I am the protected XXXX. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, Transunion and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, Transunion, XXXX, and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has again failed to delete credit inquiries at the 2 year date. This is in violation of the lax and is an ongoing issue with Experian. 

On XXXX an inquiry from XXXX was placed on my credit report. That inquiry should have bee deleted from credit report on XXXX. 

On XXXX an inquiry from XXXX XXXX XXXX was placed on my credit report. That inquiry should have bee deleted from credit report on XXXX. 

These are legitimate inquires. Their deletion is overdue. 

Note : This and other issues are being compiled for the law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I Recently demanded a deletion of inaccurate information on my credit report the results was a deletion of 3 accounts out of the 7 accounts i listed as inaccurate. the remaining accounts information was changed, which would be a violation. This would be BREAKING THE LAW, under the FCRA it is the duty of consumer reporting to report fair and accurate information at all times, If the information was accurate from the beginning there should've been nothing to change. I am also Demanding compensation in pursuant to 15 usc 1681n & 15 usc 1681s ( 2 ). Below I attached letters detailing my situation further. 

Also here is a list of inaccurate accounts. 

Initial Inaccurate reporting : XXXX XXXX : year XXXX XXXX XXXX. Shows 60 to 60 to 60. One Can not be late back to back like this it should be 60 to 90 to 120. This is inaccurate. 

XXXX XXXX : year XXXXXXXX XXXX. Shows 120 days al through. this is inaccurate. 

XXXX : year XXXX. XXXX. Shows 30 days all through until XXXX. which then goes up to 60 days. this is inaccurate XXXX XXXX : year XXXX. XXXX XXXX. Shows 30 days back to back. This is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were fraudulently opened or reported without my authorization. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$48000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$380.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2800.00}
Product: Mortgage

I refinanced my primary home in TX through XXXX mortgage XXXX originator ), their parent company is Kwik Mortgage based out of NJ. XXXX hired XXXX XXXX title for escrow. The closing statement stated i need to pay {$6800.00} for closing but they have collected {$8800.00} and refusing to refund excess money {$2000.00} paid into escrow. 

It has been over 6 weeks now. XXXX XXXX Mortgage told me to wait for 2-5 weeks and now XXXX XXXX and XXXX both refusing to resolve the issue amicably but giving me runaround asking me to contact my previous lender. I did contact the previous lender, they have stated that XXXX did not pay the full excess amount but paid {$400.00} more than the closing statement. Which means XXXX owes me XXXX, at least. 

First, Kiwi mortgage told me to wait 5 weeks but nothing happened after that. I reached out to Escrow, now they say my previous lender has the excess money collected by XXXX XXXX  and XXXX XXXX XXXX. But, XXXX confirmed that they did not receive XXXX excess payment. 

Which XXXX XXXX  / Kiwi Mortgage and XXXX XXXX refusing to even acknowledge my email anymore. 

I would like to get a refund or the loan amount reduced by XXXX. Or if there is a legitimate reason if the cost has gone up, i would like to know that and need someone to explain. 

The contact info for XXXX  / Kwik Mortgage : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Lead XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, NJ XXXX Direct : XXXX Fax : XXXX The contact info for XXXX XXXX XXXX XXXX Closing XXXX XXXX Direct : XXXX Fax : XXXX Email : XXXX /// Emails from XXXX Mortgage : Sent from Mail for XXXX  XXXX From : XXXX XXXX XXXX XXXX Wednesday, XX/XX/2020 XXXX AM To : XXXX XXXX XXXX XXXX closing ; XXXX XXXX Subject : XXXX : Loan # XXXX XXXX Yes, generally it takes 15-20 business days. 


Thank you! 

Sincerely, XXXX XXXX XXXX XXXX XXXX Lead XXXX XXXX Highway XXXX, XXXX XXXX XXXX, NJ XXXX Direct : XXXX Fax : XXXX XXXX XXXX www.kwikmtg.com From : XXXX XXXX XXXX Sent : XXXX  XX/XX/2020 XXXX XXXX To : XXXX XXXX XXXX Cc : closing XXXX ; XXXX XXXX XXXX Subject XXXX XXXX : Loan # XXXX XXXX When will I get the refund from the escrow company for the over payment that they have collected? 



XXXX Email from Escrow : From : XXXX XXXX XXXX : XXXX, XX/XX/2020 XXXXXXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX : Loan # XXXX XXXX XXXX XXXX We ( the escrow company ) do not have these funds. XXXX  has them. We sent them in the payoff. You will need to get the refund from them. 

Kindest regards, XXXX XXXX Closing XXXX XXXX Direct : XXXX Fax : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}
Product: Money transfer, virtual currency, or money service

Sent my Venmo account bitcoin on XX/XX/2024. I tried to send my crypto to another account which it was denied. Then tried instant transferring to my bank and was also denied. My account was then locked. From XX/XX/XXXX to the XXXX my account has been locked. I have been speaking to XXXX to unlock my account. They were able to unlock my account XX/XX/XXXX and then XXXX minutes later It was locked. Now they want me to wait XXXX business days to hear from support. I have {$3000.00} dollars that Im unable to withdraw to my bank. I provided documentation of my bank statements and government issued identification. Every time they unlock my account I try to transfer money to my bank and the account is suspended. Today is XX/XX/XXXX and they want me to wait till XX/XX/XXXX to even speak to someone because they can not fix the account over the phone. The system automatically determines if the account is going to be locked and no one is able to actually unlock it and transfer my money into my bank.
Product: Money transfer, virtual currency, or money service

I am filing a complaint on Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.