23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On XX/XX/XXXX I thought I had transferred {$1900.00} into my checking account from my XXXX Visa Debit card. I received a confirmation email that the transaction was completed but the account information only showed the last XXXX digits of my bank account number which were correct. I called BofA the following day to tell them the money was not deposited into my account even though they sent me a confirmation that it had. They assured me it had. Then they said transactions take up to 5 days. I waited, still nothing. The transaction was from a BofA XXXX debit card to my BofA checking. It should have been instant which is why I was concerned. After several days of waiting and still no deposit. I filed a claim. The investigation revealed that the money was deposited into someone else 's account. Nearly {$2000.00}! When they told me I figured they would see that it was an obvious mistake as people make mistakes and so do banks. In this case the bank said there is nothing they could do as I authorized the transfer when I entered the account number incorrectly online. I explained to them it was an obvious mistake as our account numbers were very similar. We had the exacted same account number except theirs had a XXXX and mine a XXXX. The last XXXX digits were the same which is why I did n't understand why the deposit had n't shown up when I received the confirmation. At that point I had not realized my error but BofA very well did and could have corrected right then and there and did not. I had to file a claim. Long story short the claim was denied because apparently entering an incorrect account number is an irreversible mistake. This is the part I do n't understand and want to see that this flawed system is changed so that myself any the millions of other consumers do n't fall victim to it like I did. Did I mention it was nearly {$2000.00}? The transfer required me to enter an account number no name or account number confirmation. That 's it one number wrong and your money is gone forever. No way to retrieve it because apparently I authorized it by hitting the enter button. I just want my money put into my bank account. Now they 're telling me I have to file a small claims against the person has my money because the bank is doing nothing to get it back. The system is very flawed and I will do my part to get it fixed. I hope I have the support of CFPB to make this happen because I ca n't be the only one this has happened to. How is it possible that a transaction can be made into an account without the requiring a recipient name or account # verification? They are treating this as a retail transaction but it does not show up on my statement as that. It shows up as a direct deposit transfer. The terms and conditions state that direct deposits can only be made into the card holders account. I explained this to the claims department and he said I know that statement is misleading. What?!!! If the account number was wrong and it did n't match my name the deposit should have been rejected. Period!
Product: Mortgage

Please know I greatly appreciate your assistance with this matter. 
This complaint is a follow up to my previous case you had been assisting me with, case # XXXX. After more then 3 years trying to obtain a resolution, I deem your assistance was key in getting the bank to move forward with our modification. In XX/XX/XXXX, they finally approved the trial loan modification.Therefore, I did not pursue it further or dispute the complaint, as I assumed it was resolved. I completed all the documents they requested and agreed to assume the loan. 
I started making my XXXX of XXXX trial payments in XX/XX/XXXX. They were supposed to complete my final modification in XX/XX/XXXX. In XXXX, they told me that the final loan modification documents had been issued incorrectly and had to be redone, on account it is also an assumption, which they knew from the onset! I have now made XXXX payments and still have not been provided the final documents. The last times I have called, I 've had to speak with customer service reps. that have no idea what 's going on. They just try to read the notes stated on the computer and even their interpretation has been evasive. They stated they would have the processor update the file and contact me, but that 's never happened. 
After persisting 2 days ago to determine whom should be the contact person handling my file, their processor XXXX XXXX, had customer service inform me XXXX XXXX and XXXX XXXX were handling the assumption. Nevertheless, they would not transfer my call to them. Instead they said they were emailing both, to advise them to contact me and update the file. This has not been done either. 
I am getting very concerned at this point. I have complied with all their requests and completed XXXX trial payments on a timely basis. I have already scheduled the XXXX payment for Monday, XXXX XXXX. There should be no reason for them to not finalize this modification. I 've had to spend over {$20000.00} in repairs to the home, due to storm damage their force placed insurance would not cover. I do not want to lose my home. 
I would greatly appreciate your assistance in getting this completed. 
You have all the information for the bank, Seterus. The details of what has transpired and all supporting documents are in your system under the XXXX # listed above. I did not find a way to respond to status there. For this reason, I 'm initiating a new complaint. If you need me to send everything again, please let me know? 
Thank you very much for your time and assistance, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I just hired a company in Florida to do my fence, after a while I found out these workers have no license and no insurance, unfortunately they did not do a good job. I paid the company using " XXXX '' from Well Fargo, Then I tried open a case with Well Fargo for a refund ( {$5000.00} ) but Well Fargo refused to open the case today XXXX. How can I get my money back? 
By law, is Well Fargo able to help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.
Product: Credit card or prepaid card

on XX/XX/2022 I, XXXX XXXX, was notified by HSBC USA N.A via mail that my credit card account was being sold to XXXX XXXX XXXX XXXX effective XX/XX/2022. Later I received notice that this change was postponed until XX/XX/2022. 

on XX/XX/2022 I, XXXX XXXX, sent a check from XXXX bank to HSBC USA to pay off the remaining balance of my credit card account, in the amount of {$2300.00}. 

on XX/XX/2022 My HSBC USA account showed a credit for the amount I paid via check, and my account balance was XXXX cents. That same evening, XX/XX/2022, The credit was reversed and my balance was back to original amount. 

XX/XX/2022 My account was charged a Return Check Fee. 

XX/XX/2022 I called XXXX bank and there was no evidence of a check submitted by, or returned to HSBC USA. XXXX advised me that the check was never submitted to them by HSBC USA and no check was denied by XXXX bank. I then called HSBC USA and was told multiple times that the check was returned by my bank and denied. I then proceeded to make a conference call with XXXX bank and HSBC USA on the same phone call, and was then told by HSBC USA that the check was first denied for unknown reasons. XXXX told HSBC USA that the check would clear with them, but they show no record of a check being submitted to them from HSBC USA. I was then told on the same phone call from HSBC USA that a " back department '' would need to accept the funds and my account would be paid off and the return check charge be voided. I was promised a call back within 24 hours and verification that my account was paid off and check accepted. 

XX/XX/2022 I received no phone call within the 24hr period and my account still showed the original balance. Called HSBC USA and was " disconnected ', which I believe hung up on, multiple times after explaining my situation with a new representative. Was then notified by HSBC USA after being on hold for 2 hours that they did not have the check and I would again be contacted when they research the problem and find a resolution. As of today, XX/XX/2022 my HSBC USA account still shows the original balance after a check was sent from XXXX bank in the full account balance amount, and HSBC USA is refusing to accept the check i submitted to pay this account off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have sent plenty of letters for fraud and called several times to have all these inquiries remove. I have locked my credit because my ssn was found on the dark web I would like all these inquiries remove.
Product: Checking or savings account

SoFi promised a cash bonus of {$300.00} per the terms below. I have copied and pasted at the very bottom. 

I opened my SoFi Checking and Savings in XX/XX/XXXX. I had Direct Deposits of {$4000.00} on XX/XX/XXXX and {$2200.00} XX/XX/XXXX. I also have recurring direct deposits of about {$2200.00} every biweekly since then. 

I have not received the {$300.00} cash bonus since then. I have spoken to a SoFi representative and I have only received {$50.00}. 



The following describes the terms that apply to participation in the SoFi the SoFi Checking and Savings direct deposit program ( Program ) offered by SoFi Bank, XXXX XXXX FDIC ( SoFi ). 

Eligible Participants : All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checkings and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program. 

Promotion Period : The Program will be available from XX/XX/XXXX XXXX ET to XX/XX/XXXX XXXX ET. 

Bonus Terms : In order to qualify for eligibility for a bonus, SoFi must receive at least one Qualifying Direct Deposit from an Eligible Participant during the Promotion Period. Qualifying Direct Deposits are defined as deposits from enrolled members employer, payroll, or benefits provider via XXXX deposit. Deposits that are not from an employer ( such as check deposits ; XXXX transfers such as from XXXX or XXXX, etc. ; merchant transactions such as from XXXX, XXXX, XXXX, etc. ; and bank XXXX  transfers not from employers ) do not qualify for this promotion. The amount of the bonus, if any, is described below. No bonuses shall be paid for qualifying Direct Deposits of less than {$1000.00} during the Evaluation Period ( defined below ). 

Evaluation Period : The bonus amount will vary based on the total amount of Qualifying Direct Deposits received during the Evaluation Period. The Evaluation Period is defined as 30 days from the date your first Qualifying Direct Deposit is received. For example, if you receive $ XXXX {$1900.00} in Qualifying Direct Deposits in the Evaluation Period, you will receive a cash bonus of {$50.00}. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the Evaluation Period. 

Total Qualifying Direct Deposit amount in 30-day Evaluation Period Cash Bonus {$1000.00} {$1900.00} {$50.00} $ XXXX {$4900.00} {$100.00} {$5000.00} or more {$300.00} Payment timeline : SoFi will credit members who meet qualification criteria within 14 days of the end of the Evaluation Period.
Product: Credit reporting

Mother used my credit for multiple things thats I did not approve and I can not get someone to take them off.
Product: Credit reporting or other personal consumer reports

Equifax provided they verified Bankruptcy # XXXX with the US Bankruptcy court - Nevada also XXXX Bankruptcy # XXXX XXXX claimed was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!! I also contacted the Fraud department at XXXX who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! XXXX has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in 2017 which was XXXX!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682
Product: Checking or savings account

I will pursue this case to its logical conclusion. The attached transcript should be read and examined by CFPB. 
Consumers should be alerted about how they will be treated if they are scammed. 

Also, I STRONGLY believe that a hypothesis test is done on the " time it takes for them to be kicked out of society '', it will be glaring that how certain members of the population are not treated equally by Wells Fargo. 

It is impossible to forensically read the attached transcript and justify that a consumer should be thrown out of a banking system, and his credit totally destroyed after being CLEARLY SCAMMED. 

Wells Fargo is a huge company. If CFPB doesn't protect little people, then the American dream is over for the most of us.
Product: Debt collection

National Credit Systems INC has been sending me collection notices in the amount of {$4900.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practice, wish violated the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely or effective measures to prevent fraud on their platform leaving my account vulnerable and unprotected. Their dispute resolution process was very unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial lose for me and I seek regain my loses.
Product: Credit reporting or other personal consumer reports

Navy federal still has an account open that was involved in identity theft of their file. I called in about the issue years ago and reported it as identity theft with no update i called back again this year and an agent confirmed to me that there is still a record with navy federal for this. The agent informed me that navy federal investigated and confirmed that there was no issue and i was responsible for it. I was not contacted by mail because if i was i wouldve fixed the issue years ago.
Product: Debt collection

They call my number over and over. There is never a person on the line when we answer, just an automated system advising of a collection, and to call an XXXX number. A person should not have to call a collection company to inform them they have the wrong number. This seems like harassment. Most people in collections, which I am not, will not call a number back.
Product: Checking or savings account

I have been trying to resolve the issues with the merchant or my Bank and SOFI has decliend reimbursed funds even after the merchant has showed hostility and lied at this point has been stalling and just trying to make it difficult to do anything about resolving the issue due to me living an hour away from the location and SOFI has still declined to do anything due to me not having paperwork to show how the merchant has treated me and lied to me
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Volkswagen credit Inc 

All says I owe a debt that I dont owe 15 usc 1681 B
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I have been trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX XXXX to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card account is not mine. I have contacted the original creditor XXXX XXXX and the collection agency handling the account. they said it was opened on line, they are unable to provide me with any signed contracts regarding this or validate the debt. I have never even heard of this company. They have now sent it to the credit bureau and said Im responsible for the debt. I dont understand how they can hold me liable for a debt that is not mine? It is fraudulent or they have made a mistake somewhere within their company either way this is not my debt. I want them to remove the debt from my credit report and seize any further collection attempts toward me and stop credit reporting regarding this account. Thank you.
Product: Money transfer, virtual currency, or money service

I am complaining WELLS FARGO BANK and her partner bank XXXXXXXX XXXX XXXXXXXX charged me XXXX more than the agreed fee amount. This lead to my entire transferred amount is forfeited, because I did not pay the exact XXXX. 

Sending bank : WELLS FARGO BANK , N.A . 
Receiving bank : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I needed to pay XXXX British pound sterling ( GBP, ) exact to my recipent in XXXX XXXX. 
XXXX. This amount was before any foreign tax and/or receiving bank 's fee were deducted. 
XXXX. Wells Fargo informed me the service charge was XXXX on XX/XX/2024. ( See attached XXXX. Wiring Confirmatoin and Receipt pdf file, under Other Fees XXXXXXXX XXXX XXXX  XXXX. I purchsed XXXX ( XXXX {$74.00} deducted from my bank account ) from Wells Fargo Bank to cover all the wiring cost on XX/XX/2024. 
XXXX. On the Confirmation and Recipt, it clearly stated Total for recipient 50 GBP. ( See attached Wiring Confirmatoin and Receipt pdf file ) 7. I understood recipient may receive less due to foreign tax and the receiving bank 's fee.

8. However, my recipient only received 44, before he paid any foreign tax and receiving bank 's fee. The receiving bank was XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( an intermediate bank ) charged XXXX ( See attached Intermeidate bank chage, not receiving bank pdf file ) XXXX. Wells Fargo did not properly disclose this fee and breached the agreed XXXX XXXX  service fee. 
XXXX. I filed XXXX complaints with Wells Fargo Bank and they denied for any wrong doing. ( Wells Fargo complaint number XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I called over the phone to speak to a rep with Experian to do a dispute about errors on my credit report. First I had unauthorized inquiries that the Experian agent would not dispute which said was too many and I would get an email in 48 hours to submit the disputes and the disputes that I was able to due over the phone came back the next day, first of all, it can take up to 30 days to dispute. I don't believe a real investigation was done and I lied to by the rep that the inquiries are not hard to pull because I told the rep I was denied credit she was incorrect and also I was lied to about that I would receive an email to dispute my inquiries. Experian has been very difficult to dispute you cant even dispute online because the site is always down so I am filing a complaint to have them either submit the email to be so that I can dispute as they stated or reinvestigate the disputes I did put in and I have also called the companies of the unauthorized inquiries and was stated no record was pulled from my file. So now I ma in the process of writing letters to have the errors remove as it is my right to do this but Experian is not representative of the FRCA
Product: Debt collection

On XX/XX/2023 I called Gurstel Law to accept a settlement that was offered to me in XXXX of 2023. I was told they could no longer settle the account because they started an active wage garnishment. I have two issues with this. 

I was never provided a summons by this company so I was unaware of any judgements against me. The company claims a summons was handed directly to me, this is not correct. I would like proof of delivery. 

I spoke with this company many times and was trying to negotiate a settlement. I offered {$1000.00} and was told the client XXXX XXXX refused to accept this offer. I was never once advised during my conversations with the company that my account was going to be submitted for garnishment if action wasn't taken. I had advised the company I had {$1000.00}, If I was properly advised the status of my account I would have figured out a way to come up with the extra money quicker. 

Since I was never properly informed of the intended action taken on this account, I was forced, or bullied, into paying the full balance plus an additional {$30.00} to wire transfer payment. This was the only way to prevent garnishments. It seems very deceptive that a settlement was available 2 weeks ago, but now there is no way for them to accept a settlement.