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

I was scammed out of XXXX - from XXXX to bank of america accounts XXXX transactions XXXX K from personal XXXX  XXXX, XXXX, XXXX from business chase I was told by the FBI that XXXX percent of the XXXX was available to be returned and XXXX percent of the XXXX was available to be returned. I received XXXX for the XXXX k transfer and XXXX from the XXXX transfer. The XXXX transaction happened back on XX/XX/XXXX. The account at Bank of America was frozen XXXX hours after wire was sent from XXXX. I have emails from the FBI confirming the account was frozen and the full amount of XXXX was in that account to be returned. BOA requested Hold Harmless Lettter from chase to process funds. XXXX sent it several times and BOA claimed several times they never received it. 
It was not until XXXX until BOA finally admitted receipt. When I received money back on XX/XX/XXXX, I asked the FBI to follow up with BOA investigations. They told me the XXXX k was still available. Now XXXX week later, apparently the money is gone, per the FBI, they gave my money to another victim who was able to process there Hold harmless paperwork. XXXX claims the paperwork was sent immediately after my claim in XXXX XXXX. I will be filing suit immediately in response to this gross negligence if my money is not returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a background check run by XXXX XXXX XXXX. Two additional names appear on my report that are nothing close to my own, and have never been a previous name or legal alias that I have used.
Product: Checking or savings account

I sent someone to place {$220.00} into my checking account to prevent it from over-drafting on XX/XX/2019. When they got to the bank they stated that they couldn't make the deposit because their name was not on the account. Wells Fargo stated that they wouldn't take cash deposits from non-customer 's due to money laundering problems. I think this is unfair and unethical. How can you state that everyone in the bank is laundering money. They stated I could go and purchase a money order to then place the funds in my account ... what is the difference they are still both guaranteed funds. And who goes and spends money to pay themselves. I will not be adding everybody I know name to my account just to make deposits
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency furnishes an account without my written instructions.
Product: Credit card or prepaid card

A Lowes commercial account was opened in my name. I spoke to someone at lowes and they said that someone has all my personal info. They were able to cancel the card and clear the debt and forwarded the issue to thier fraud department. They advised me to notify the credit reporting companies and place a hold on my ss #.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report shows that there is and XXXX XXXX account. This account was opened on XX/XX/2010 at that time I was XXXX years old with no knowledge of credit. This account was not opened by myself and is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried with all three credit bureau Experian, XXXX and XXXX to remove the late payments from XXXX XXXX. The late payments needed to be removed from my credit. I never got one statement at and was XXXX to XXXX. They mailed all the statements to Florida resident of XXXX XXXX XXXX, XXXX, Florida XXXX. While XXXX, I also had all my mail forwarded to my current wife address in Ohio of XXXX XXXX XXXX, XXXX XXXX, Ohio through USPS. Once home, I found out about all the late payments. So I took action, I Paid and closed the account. I Was Never told or had knowledge of her late payments. Some of her payments were gone up by XXXX dollars, where I believe she was paying XXXX a month, and it had gone up to XXXX a month. But Regardless I am very responsible on my payments and I can not have they post that on my credit they need to remove those late payments specially since I paid and closed that account as I am very responsible as an XXXX and XXXX XXXX veteran who served my country proudly. The least they can do is remove the late payments and or remove XXXX XXXX from my credit completely. My history shows I have always been responsible with my mortgage payments. Problem is, I recently checked my credit report to find out this late payment charges. If you see my credit report, I have always paid my creditors on time with past mortgage companies. So It would not make sense that I would be late on a small payment of which I had no knowledge. And I was divorced so my communication with my x wife was of non-existence, please help a responsible veteran who fought hard and survived. Please help. I am also in a process of getting veterans department lawyers and civil lawyers involved in this case to go ahead and sue XXXX XXXX. I have tried to call XXXX XXXX to get my account number and had no luck with them, they said I was not in their system God bless PS : I have added the XXXX statement and awards for the section 5 in this application concerning my veterans ' status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to questioning specific items in my document coming about because of the wrongdoing. The items 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 items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been asking for help for years now and WFHM seems to fail to provide an honest review of my file. There is robo signers including notary robosigners, from the trustee to WFHM, there are over charges including late fees, home inspections, escrow fees that add up to XXXX dollars when I pay only XXXX for property taxes, there are over charges of interest payments hidden in the lump sum of the total interest payment due, the default amount included principal payments again increasing the default amount to almost XXXX when my original loan was XXXX. 

My home when I refinance it to my name was appraised at XXXX by XXXX XXXX and my home was owned by my family since the XXXX 's. My family is a hard working immigrant family that their dream of having a home made them work 6 days per week over 12 hours per day. it is unfair that today, I have to be part of the greed of a lender that has no end to their fraudulent activity. 

I have sent the lender copies of the wrongful calculations on the loan modifications and the investor 's guidelines as well as assurance agreement for the pick a payment loans. I have offer to pay the default amount in a repayment plan. I offered in XXXX when I recently had defaulted XXXX to partially cure a debt of XXXX and I ask the lender to add the rest to the principal, they refused to assist me back in XXXX and instead I was put on a non ending loan modification process. 

My house was sold XXXX XXXX, XXXX. The foreclosure laws for non-judicial were not followed, the XXXX XXXX XXXX was ignored and instead the WELLS FARGO HOME MORTGAGE AND THE TRUSTEE DECIDED TO SKIP THE INTERVIEW TO ASSESS MY FINANCES and decided to skip the recording of a new NOTICE OF DEFAULT. instead the trustee decided to use the NOD RECORDED ON XXXX XXXX, XXXX back in XXXX, wfhm decided to skip the interview that was under THE CALIFORNIA LAWS and recorded the NOD UNDER PENALTY OF Perjury. 
skipping steps to shorten the time to foreclose and denying a loan modification when I knew I qualify and can afford my payments is not right. 

THE STORIES FROM WELLS FARGO BANK HAVE NOT ENDED TO THIS DAY AND WE HAVE NOBODY TO GO TO FOR HELP. THIS PUTS MANY OF US IN DEFAULT WITHOUT ANY TYPE OF SAFEGUARD FROM WELLS FARGO AND THE TRUSTEE ARE NOT OBEYING THE LAW I NEED YOUR HELP TO GET MY HOUSE BACK.
Product: Credit reporting or other personal consumer reports

I'm writing regarding fraudulent personal information associated with my identity. Accounts and transactions have been falsely attributed to me without my consent, causing significant distress. As a victim of identity theft, I've already reported this incident. 

I request your immediate action : 1. Remove all fraudulent information from my credit report.

2. Conduct a thorough investigation into this matter.
Product: Credit card

Hello, I wanted to report Paypal for harassment. They keep assessing a claim on my closed XXXX for {$180.00}. I keep calling to get this reversed, but PayPal is continuing to put this charge on my account. 

During the summer, I opened a Paypal XXXX account ( there was an incentive ). It was advertised to me because I had a regular paypal account that I used to make purchases. I made some purchases on the card and paid off the purchases, as i always do. 

Then, on XX/XX/XXXX, there was a charge on my card for {$180.00} that I did not make. 

I reported this transaction for fraud and it was reversed XX/XX/XXXX. 

On XX/XX/XXXX, PayPal reassessed this charge of {$180.00} on my account. 

I called customer service and reported the charge again. They said there was an error made by the first agent and so it was handled by the wrong department. 

Today, I spoke with the investigations department for XXXX XXXX, and it was confirmed that my XXXX was closed on XX/XX/XXXX ( but as I remember it, I had closed it beforehand ). Sometime during the summer, I believe I had also reported the card as lost or stolen and locked the card to prevent any further transactions but I can not remember when this occurred. 

After, the charge reappeared on my *closed XXXX , in the amount of {$180.00}. Again, I called XXXX XXXX  and had the transaction reported for fraud. I never authorized PayPal to charge my closed XXXX. 

This amount was reversed on XX/XX/XXXX, as promised by the representative. 

Then, on XX/XX/XXXX, an amount of {$170.00} and ( {$18.00} ) ( for an interest charge???? ) was made on my account. 

I called again today to have this reversed, as soon as I had noticed. 

PLEASE help me put an end to this. I have made multiple phone calls, and spoken to multiple agents, from Paypal and XXXX XXXX. I don't want any more charges on my account or to pay for a transaction that is not mine. I asked for written confirmation to prove that this charge would not reappear but they refused to issue such a document. 

I can supply all the statements, proof, or documentation that I have or that I can reasonably access. All their calls should be recorded. I placed all my calls from my cell number. 

Please, please help me put an end to this harassment. I have done everything in my power to get this resolved but I have not been successful. 

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

It has come to my attention that Wells Fargo service has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Wells Fargo Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that Wells Fargo takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Credit reporting, credit repair services, or other personal consumer reports

After ordering a copy of my credit report I have notice that its inaccuracte information on my credit report. And I have/had know knowledge of this accounts. 

In accordance with the Fair Credit Reporting Act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX Account # : XXXX This account reporting is in violation of 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

On XX/XX/2022 I bought an open box phone from Best Buy. This phone was a XXXX XXXX XXXX XXXX XXXX XXXX Unlocked in XXXX XXXX The total for this purchase was {$990.00}. This item came with damage in the form of significant scratches on the screen. I logged into my Best Buy account to return this item and selected the reason as damage due to the scratches it came with. Best Buy authorized the return and gave me a shipping label. The item was returned the same day, XX/XX/2022 with the shipping label Best Buy authorized for the return of this item which is XXXX. 

After receipt of the item, Best Buy tried making up different excuses and changing their story for why they wouldn't refund. First they tried saying that the item was returned late, but tracking shows that I shipped it off the same day they authorized and XXXX was in possession of the item before the deadline. Then Best Buy tried to say that they were refusing the return because of unspecified " damage '' despite them authorizing the return and providing a shipping label for that exact reason. 

I opened a dispute with the company that handles the Best Buy credit card ( Citi ) on XX/XX/2022. It seems Citi did not do a good job researching this dispute. They closed out the dispute without getting all of the facts from Best Buy. Best Buy claims they denied my return for the reason they authorized my return in the first place. Best Buy claims they returned the item to me, however did not provide a tracking number to Citi during the dispute. There is a tracking number XXXX that they provided me showing that Best Buy has been in possession of this item while still denying a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I initially filed a CFPB complaint against XXXX XXXX XXXX in XX/XX/XXXX and as a result of their inability and non-willingness to resolve the issues presented, I had to file a federal lawsuit case number XXXX against both XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX for alleged breach of contract and alleged RESPA violations on XX/XX/XXXX and because they still never resolved the issues, I filed another CFPB complaint on XXXX as the issues at hand as they relate to inaccurate credit reporting and wrongfully holding insurance proceeds were still not addressed. On XX/XX/XXXX I received an email response from XXXX XXXX at XXXX XXXX XXXX stating that they had placed a credit suppression on my account ( I was also actively attempting to negotiate a settlement with them as well at that time ). However, the credit inaccuracies have still yet to be addressed and XXXX XXXX XXXX and XXXXXXXX XXXX XXXX have resumed reporting negatively to the credit bureaus and have yet to address all of the inaccuracies. As of XXXX I still see the following discrepancies : In XXXX and XXXX of XXXX, XXXX shows me as 60 days delinquent while Experian shows me as XXXX. 

Experian is the only company reporting me as 60 days delinquent in XX/XX/XXXX although XXXX and XXXX show me as current. 

You'll also find attached several discrepancies in the payment history information being reported across XXXX credit reporting agencies by XXXX and XXXXXXXX XXXX XXXXXXXX  XXXX  and more discrepancies starting in XX/XX/XXXX across 3 credit reporting agencies. 

Having to file the lawsuit and multiple cfpb complaints is just showing a glimpse of some of the additional and undue stress that I am having to endure. I've advised XXXX and XXXX on several occassions this undue stress is negatively impacting my personal, business life, family life, credit worthiness and financial stability yet they continue to operate in bad faith. 

I want the credit suppressed like they agreed upon while my loan is still under review and for the credit inaccuracies to be corrected accordingly. We currently have an active federal case with a hearing for preliminary injunction set on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX 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 XXXXXXXX XXXX account was originally XXXX XXXX XXXX. It was removed previously for being inaccurate and was reinserted by XXXX XXXX. They violated my rights by doing so and also did not inform me or ask my permission to reinsert the account within 5 days in accordance with the Fair Credit Reporting Act.
Product: Mortgage

My current loan servicer is American Financial Resources ( AFR ) also known as XXXX. I tried to submit a payment on XX/XX/XXXX and was not able to log into the system. I received a letter on the same day ( letter dated XX/XX/XXXX ) that the loan was being transferred effective XX/XX/XXXX. After that date the new servicer would be collecting payment which meant that my current loan servicer would still be collecting payment until that date. The letter stated to contact the current servicer and new servicer if I had questions. I have contacted my current servicer via 5 different telephone numbers, one of which was provided in the letter and others I found online, and via XXXX which is where customers usually go for account information. I am getting nothing but recordings that state either the agents can't access accounts or the systems are down and please hold for a representative that never comes on the line. I have also tried to reach out to my new servicer and they have no information because I am not yet their customer, technically. I am afraid now that my account will be in default because I have no way of accessing my account while their transition is taking place and today is XX/XX/XXXX ( 3 more days until my loan is 30 days late ). I feel that AFR/XXXX  is still responsible to their customers up until the date specified in the letter.
Product: Credit card or prepaid card

My application was denied for having to many open lines of credit with Capital One. I told the rep that I had multiple credit cards with Capital One before submitting the application and she went ahead and ran it which resulted in a hard pull on my credit report.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Prepaid card

I use Card.com prepaid, I have used them for years and I make a transaction on XX/XX/XXXX in the amount of {$390.00}, and never received my items. I filed a dispute with them and provided everything to them even the letters I got from the XXXX XXXX XXXX about this because the scammers were giving people fake tracking numbers. I waited almost 2 months to hear nothing. I called today XX/XX/2024 just to hear my claim was denied and my case was closed. They never sent me an email of nothing. They are unfair and they don't try to work with their loyal customers. Now I'm a XXXX XXXX of XXXX children out of {$390.00}. They are not following the fair credit act.
Product: Checking or savings account

Multiple overdraft fees posted on my monthly statement when money was shown there on the account since XXXX