23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This issue is Of my complaint, Is surrounding wellsfargo bank initiating bogus, fabricated investigations Without my consent To do so. 

I want Wells Fargo to cease and assist these fabricated actions on my account! That comprises the security on my account! 

These actions taken by Wells Fargo has compromised the security on my account by Wells Fargo simply dumping confidential account information in the usps mail when I specifically requested all correspondence with confidential account information be delivered via email in my secured online message center inbox with Wells Fargo! ONLY! 

the most recent Fabricated, frivolous event occurred XX/XX/2020 where I received a email from Wells Fargo from XXXX XXXX XXXX?. 

This XXXX didnt even care to give a last name? This further substantiate this is a bogus frivolous action initiated solely by Wells Fargo with out my consent to do so! 

The phone number that was left in my message center email correspondence for XXXX XXXX contact was XXXX The case number listed was XXXX Account ending in XXXX Reasonable accommodation Refused by XXXX XXXX Executive office case specialist from Wells Fargo executive department. 

XXXX XXXX has no concern for my requirements of reasonable accommodations Due to XXXX   XXXX, to communicate via email correspondence to afford me opportunity of effective communication communication. 
Wells Fargo ignores my reasonable accommodation requirements due to my XXXX   XXXX, persistently demands I Quote on quote call, communicate with them via email when XXXX XXXX XXXX and staff at Wells Fargo, are fully aware I have a XXXX XXXX, I Do not have the physical capability to utilize the telephone! 

Wells Fargo has absolutely no value for me as a Loyal customer for the past several years by implementing unnecessary actions on my account that are not consented by me as the account holder,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against 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 Regulation E. These actions have caused significant inconvenience and financial loss due to Cash App closing my account with no notice, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

XXXX is a peer to peer lending company that uses borrowers crypto to collateralize loans from investors ( like myself ). 
I've been investing with them for almost two years and currently have {$17000.00} tied up in lending products with XXXX. 
As of two days ago we received an email saying all business operations have been ceased and no withdrawals or deposits will be allowed. 
They said they'll update customers within 10 days, but no one can reach anyone of significance at the company to find out any more details. It appears the company has scrubbed their XXXX page and the XXXX pages of top executives. All collateral and client 's investment funds are supposedly held at or processed through XXXX XXXX XXXX ( registered SEC company ). XXXX XXXX keeps telling us to contact XXXX and won't give us any information, so we have no way to find out what's happening with our funds/collateral or if everything is gone. We have a XXXX channel up where people are gathering evidence, documentation, etc. This is probably the best place to start to get a broad view of what's happening. Details below. 

Discord channel : XXXX XXXX XXXXXXXX XXXX website : XXXX XXXX XXXX  CONST LLC ( Business ID : XXXX ) Formed in Delaware XXXX XXXX XXXX US Business address XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Phone XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Founder - other company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX website : XXXX XXXX XXXXXXXX XXXX XXXX XXXX SEC registration : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX # RegulatoryActions XXXX 'Cease of Operations ' email received by all investors : " Dear XXXX Users, Given the collapses of several cryptocurrencies so far this year and the rapidly deteriorating market conditions that have been prompting heavy withdrawals across all crypto lending and crypto exchange platforms recently, we are sad to inform you that we are unable to continue to operate our business as usual. As such, we are limiting our business activities, including pausing user withdrawals as allowed under our Terms of Service. 
No deposit or investment request will be processed at this time. 

Our team is working diligently towards our objective of maximizing value for all of our Users, and our top priority continues to be to protect your interests. As we explore all options available to us, we will provide updates to you as we go. 
We hope to communicate with you within the next 10 business days on the next steps to address the situation. We appreciate your patience in this trying time. 

Sincerely yours, From XXXX XXXX XXXX XXXX XXXX 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

I did a mobile deposit of a check to Keybank through their mobile bank on Thursday XX/XX/XXXX, when I deposited the check I got a prompt saying my funds would be available on Friday the XXXX. When the funds weren't there I contacted the bank and they told me that my funds would be available until the XXXX taking a hold of XXXX days to my deposit. 

I talked to them and told them that although terms and conditions on my account do mention the possible hold while depositing a check, the prompt on the app saying my funds would be available the next day if I did a mobile deposit was misleading. 

The supervisor at the contact center told me that if that was the case, it would be misleading. Upon checking what the prompt said he confirmed what I said was correct and said that indeed, information could be " clearer '' but that he could not do anything about it. 

Now I stand with Keybank holding my funds and no access to them for what I consider to be negligence for their error while drafting the information on the prompt or misleading information if purposely placed liked that knowing it differs from the information on their terms and conditions that I signed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2021 I transfer money from my bank account with I think I need to to my cash app out in the amount of {$390.00} to half of spending for an out of town vacation or trip with my kids. When I transfer the money that day later on that night I noticed that {$390.00} was taken out of my account for otherwise emoji or a transaction that I was unaware of. I contacted CashApp numerous times that week and day to have my money refunded and called them numerous times to file a dispute where it was only recognized yesterday after 21 days and the whole dispute process has started thats result in at 45 days in me losing my {$390.00} this is created the economic hardship it has prevented my familyTo be able to survive in every day living. Every time I do a dispute or report any accusations to get out they only email instructions on how do you glad to add and support or disclosures on a process of what to do rather than being able to speak to a live agent in resolving the matter that results in lost or stolen or scam fraud or money. I have been waiting and consistently communicating to have a refund sent back to my car with this company has refilled the system and resolve them to prevent the economic hardship they have calls to my house all financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen early 2021. Someone used my SSN to file taxes with the IRS and started opening credit accounts. I began the process of making accounts with the three credit bureaus to initiate a security freeze. This process worked flawlessly with XXXX and XXXX. With Experian however, I found someone had already used my SSN to create a paid membership ( using a fraudulent credit card in my name ) with Experian and also registered a false address with them. I proved my identity and gained control of the membership, changed passwords, PIN and security questions, and established a security freeze. Several months later, as I was still dealing with fraud accounts due to my identity being stolen, I checked to see if the security freeze was still in place. It wasn't. I also noticed the fraudulent address was back on my credit report. Phone calls to Experian revealed someone other than myself had somehow logged in, changed the email address on file for me, and removed the security freeze. I again gained control of the account, changed password, PIN and security questions. Experian refuses to assure me that they will take steps to strengthen their security, so I'm stuck as an innocent consumer having to check my Experian account and security freeze daily to make sure they haven't allowed another individual to gain access.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution in Zelle fail to investigate my claims inadequately they informed me that recovering for funds were impossible and tracking these transaction were infeasible the cfpbs findings indicate that Zelle not only neglected to protect customers but also allowed repeated offenders to exploit the system leaving users, vulnerable to scams this lack of accountability and transparency its unacceptable and raise a serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

In XXXX of 2021. I incurred a problem with CHIME bank. I was asked to upload a copy of social security, a copy of my driver 's license, and a copy showing PROOF of residency. They changed my arm pin number without my consent. They blocked me from getting into my account.. Two days ago I sent several emails telling them to close my account. Every since then, I have been logged out of my other bank account. My accounts and email have been hacked, breached, and compromise. On their website they had false advertising saying they would never ask for personal information, when in fact they have. Certain documents and photos have been taken out of my emails I have saved for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. GRANT & WEBER, Account # XXXX
Product: Student loan

After checking putting in appliacation for loans and credit I was denied due to the incorrect information place on my XXXX XXXX credit report and XXXX reports. The file is reporting my name wrong XXXX XXXX and the incorrect amount a XXXX dollars in student debts with its incorrecte before my loans were sold its was reporting XXXX this has caused my a great deal of XXXX  which had caused my health to XXXX, I have had to go on XXXX XXXX XXXX  and have had XXXX XXXX  XXXX  this has ruined my personal reputation I am unable to get employment worthy of my education due to my high low credit score due to this Loan issue. and
Product: Money transfer, virtual currency, or money service

On XXXX XXXX at XXXX XXXX  XXXX, I transferred {$1000.00} US dollars ( USD ) which equates to XXXX XXXX Rupees ( INR ) through a service called Xoom, a XXXX service. This transaction was supposed to occur between my XXXX XXXX account to my XXXX XXXX XXXX account ( the recipient account ). I received a system generated message the same day from Xoom that informed me of a completed transaction and has been successful deposited. I had also received a confirmation number which would indicate a complete transaction. The problem now is that I still haven't received the transferred amount in my XXXX XXXX XXXX account and it's been 8 days since I received the message on XX/XX/XXXX confirming a successful transaction. To resolve this issue, we contacted Xoom but they didn't respond to any of our phone calls or emails. I then went through the Help Center and reported my issue on the contact form provided there. After that, I received another system generated message that said, '' We reviewed your transaction and can confirm the funds were paid out to the designated recipient. This closes our investigation ''. Please find an attached copy of the email down below as well. The next email I received was from Xoom requesting for a recipient bank statement from XXXX XXXX XXXX which would prove that the money has not been deposited ( this bank statement is also attached below ). Now my bank, the XXXX XXXX XXXX, is requesting the " XXXX TT copy '' from the merchant ( Xoom ). In case, if the Xoom sent money through XXXX transfer, kindly confirm the UTR reference number. This email is also attached below. Xoom hasn't provided any TT copy that XXXX XXXX has requested for investigation. So in conclusion, the money that was transferred from my XXXX XXXX account was never received by my XXXX XXXX XXXX account despite XXXX confirming this transaction. I've taken initiative by contacting XXXX by the number they provided ( XXXX ) and ( XXXX ) but an automated message informed that they're temporarily only helping customers through email as a result of the covid-19. So far, we haven't received any response from Xoom.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple charges on my credit file from XXXX XXXX XXXX  claiming a debt from XXXX XXXX. In addition to the accounts timeline over lapping one another this is not my debt. Also XXXX XXXX XXXX are attempting to collect a debt that has already been paid. And my XXXX XXXX XXXX XXXX account was settled through a collection for a lesser amount.
Product: Debt collection

in 2017 I paid directly the merchant XXXX XXXX XXXX a balance due off {$100.00} a which point closing the account with this merchant. Nevertheless to my big surprise I see a collection listing on my credit report from an agency called " ERC '' claiming the paid balance of {$100.00} on XXXX XXXX XXXX 's behave. 
At which point I contacted them with the proof ( receipt ) that this account was paid to XXXX XXXX XXXX and asking them to remove their reporting from my credit report. But to this point their still refuse to do so. I filed investigation request transunion and the inaccurate information have not been deleted. Therefore deliberately hurting my credit profile.
Product: Credit card

My Citibank Visa card was compromised. The account was closed but a few small charges ( vending machine ) continued to come in. I notified Citi of these charges and they were taken off. Finally XXXX last fraudulent {$5.00} charge from a vending machine came in and was on the last statement I received from Citi. I called and they said they had already taken the charge off so I waited to see if that charge would be eliminated when they made the automatic payment deduction from my checking account. Indeed they did not remove it and are now seemingly unwilling to reimburse me for this money which by law they are required to do.
Product: Student loan

I have been attempting to come up with a solution to my current problems paying my loans.I started this on XXXX/XXXX/15 and have continued to send emails and talk to XXXX XXXX, Navient '' s consumer advocate. XXXX XXXX has been diligent in his efforts to resolve this, but even his attempts have fallen on deaf ears. I/ He have gotten no response from Navient for over two months, other than continuous emails and phone calls. As my attached letter states they have no interest in helping at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Checking or savings account

Fraudulent activity on account over a period of 4 months. Activity was not noticed as fraudulent due to the payment being listed under " XXXX '' in which I currently have an active credit account. I was able to review my active XXXX XXXX  account in which there was no correlation to monies being taken from my Wells Fargo being added to my XXXX XXXX credit account. Initial activity noticed on XX/XX/XXXX in which Wells Fargo was notified. I was able to go through my account statements and activity and noticed an ACH withdrawal for the amount of XXXX on the following dates. 
XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Wells Fargo was contacted with this activity in which all related dates were canceled and placed on " stop payment ''. Total amount of fraudulent activity was {$4.00}, XXXX taken from my account with knowledge or approval. The Wells Fargo rep stated the reference numbers used for the fraudulent ACH withdrawals were not common XXXX XXXX  reference numbers used. As of XX/XX/XXXX I contacted Wells Fargo to discuss the status of the claim in which I was informed denied being that transactions were not reported " promptly ''. This is egregious being the amount of funds stolen from me in addition to it being in fact confirmed fraud and will not issue a refund. I have been a Wells Fargo customer over 10+ years this is appalling especially when it is documented your funds is insured with them in the event of fraudulent activity. Its even worst they are not even try to compromise at least a portion of the monies taken!
Product: Debt collection

On XX/XX/scrub>XXXX  I arrived home to a notice stating I was being sued for an unpaid debt to Midland Credit Management INC. However, this is my first time receiving any information about the alleged debt due. 

Midland Credit Management failed to notify me prior to taking any legal action as well as failed to serve me properly.
Product: Credit reporting or other personal consumer reports

There are current payments that have been posted for each month by all XXXX bureaus, as well as payments on XXXX and XXXX from the companies XXXX XXXX XXXX, reported a paid payment as late without my written consent. I called and asked them to remove it they said because of them giving grace periods they would not update, change, correct the information. 
date XXXX XX/XX/2023 both payments have a reported positive payment from different bureaus as well as missed payments. this is very inaccurate and hurting my consumer report severely. 

per 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

No information was ever late nor was i ever notified of a scheduled account as all my payments are on time. the XX/XX/2023 Payment as Current as well As XX/XX/2023 as payment both were paid successfully and on time
Product: Debt collection

ACIMA DIGITAL FKA SIMP XXXX Original Balance {$1300.00} Status Updated. XX/XX/2022 Balance Updated {$1500.00} It is illegal to add on to debt and to report misinformation to a credit profile knowingly This debt is not owed Acima was paid in full for this debt after charging it off they reported it as a lost on its taxes then filed an insurance claim which compensated Acima in full Its illegal to continue to report debt when no debt is owed Acima is violating my privacy by reporting fraudulent debts and negative inquiries to my credit report the 15 USC 1692 g validation of debts SECTION 604 15 U.S.C. 1681B SECTION 605 A 15 U.S.C. 1681 C-1 SECTION 605 B 15 U.S.C. 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, trans union, XXXX and the ftc unknowing that I have been a victim until my life been impact my life health and job. to be XXXX XXXX XXXX XXXX and tired of these company when I 'm a victim