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

I asked that Wells Fargo stop XXXX fraudulent wire transfers from my checking account on Friday, XX/XX/XXXX. The transfers were initiated at about XXXX  and I requested the stop at XXXX pm. The stop was finally placed at XXXX pm on XX/XX/XXXX, after the cut off for that day. 
It seems that on Monday, XX/XX/XXXX, the stop payment finally reached to the fraudulent account at XXXX XXXX XXXX to stop payment. 

I communicated with Wells Fargo XXXX XXXX XXXX  to find out if the stop payment was effective and if/when XXXX XXXX XXXXXXXX XXXX XXXX funds. Wells Fargo will not respond to my request for information, but instead has required I sign a Release of Liability form with potential response within XXXX business days. 

I need to know if Wells Fargo was able to stop payment or if the criminals who defrauded me have the funds. When defrauding me, they posed as Wells Fargo employees that were helping me find unauthorized transfers on my debit card. The imposters sent the Wells Fargo text verification codes to my cell phone, so I believed they were really working for Wells Fargo. 

I believed them and made the wire transfers to the XXXX XXXXXXXX XXXX accounts the imposters gave to me. 

To date, I do not know if the criminals were able to get my funds or if Wells Fargo intercepted the transfer in time. Wells Fargo will not give me this information. I need this information to give to the police. The police will only investigate if a crime has been consummated. 

Wells Fargo can communicate with XXXX  XXXX XXXX and let me know if the funds are now in the criminal or if, by chance, the stop payment was on time and if there is hope of return of my funds. But Wells Fargo will not help me with this and will not investigate the information I provided about the fraudulent actions of imposters that posed as Wells Fargo employees and had access to their text messaging of code verification numbers. 

I expected a faster response from Wells Fargo to know if the wire stop was effective. After numerous telephone calls and efforts to communicate, I also expected Wells Fargo to investigate the fraudulent use of their text message verification system and imposters posing as Wells Fargo employees. Wells Fargo has not responded to date, XX/XX/XXXX, to any of my efforts for clarity and crime investigation and crime prevention.
Product: Credit reporting or other personal consumer reports

Today, I discovered some inaccurate accounts on my credit report, and I have no idea how they appeared. I usually check my credit report regularly, but this time, I noticed some inconsistencies that werent there before. I attempted to refresh my browser to see if it was a temporary issue, but the inaccuracies persisted. Because of this, I kindly ask that my submitted documents be carefully reviewed so I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my mortgage loan was transferred from XXXX to Mr. Cooper. I was not made aware of this transfer. 
On XX/XX/XXXX, I utilized bill pay via my XXXX XXXX account to pay the XXXX payment to XXXXXXXX XXXX for {$2100.00}. 
My XXXX statement from Mr. Cooper came to me showing that I had missed XXXX 's payment. 
Since XXXX, I have been working with Mr. Cooper, XXXX to resolve this problem. 
I was told by Mr. Cooper that they would work to retrieve my XXXX payment from XXXX. I worked with XXXX and Mr. Copper for months to resolve this issue. XXXX stated that they did not receive the payment, however, my bank records show that they cashed the check received by XXXX XXXX Bill pay in XX/XX/XXXX. 
On XX/XX/XXXX, I see that my credit score dropped almost XXXX points. I called Mr. Cooper and was told that since XXXX told them that they did not have the money for XXXX 's payment, there is nothing that they can do! That day, I paid Mr. Cooper the XXXX payment and started working with XXXX XXXX with Mr. Cooper. Her number is XXXX XXXX I gave her documentation from my bank that proves that the XXXX payment was cashed by XXXX and she was going to submit that to her supervisor to look to resolve the issue with my credit score. Nothing has been resolved. I was told during this entire time by Mr. Cooper that my credit score would not be affected but it has and this is not my doing.

I need help please. How can I get this issue resolved ASAP with my credit score?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. 

XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Account number XXXX XXXX. DEPT OF EDUCATIONXXXX Account number : XXXX 115 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 and proof of debt assignment to the Collection Agency.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

15 U.S.C 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..
Product: Credit reporting or other personal consumer reports

In XXXX a call was made to XXXX requiring about the payment due. The call was recorded and the representative stated the amount due to be paid. Payment was made. The payment wasnt the correct amount told by representative resulting in a 30 day late payment on the credit file. In XXXX payment was made like several other times through the automatic system. The system processed the wrong bank account. Instead of the two bank accounts payment processed through just the one account with the same bank. This resulted in a late payment in XXXX. The company has been notified by this several times. Several disputes has been made to the credit bureau to fix the error. The wrong account being processed as resulted in several NSF fees being charged from the finance company and Credit union. No funds had been refunded from the finance company side. This issue has caused my credit score to drop XXXX points on XX/XX/XXXX. I was also told its a 10 day grace period on late payments for NC and payment must be made before XXXX XXXX  to process the same day. My payment was made and if it was processed correctly in with the correct two bank accounts the payment wouldnt have returned. Therefore causing an 30 day late payment. Also causing other problems with my bank account multiple times.
Product: Debt collection

This company contacted me threatening legal action around  XXXX   XXXX ,  2017  regarding a debt owed and left a voicemail informing me that that I needed to be available at my home between  XXXX  to receive and sign paperwork, with my proper identification, being delivered by a private courier regarding legal action. I called the company back since no information was left in the message regarding what the call was regarding and the representative gave me further detail to contact Perfection Collection, which they were calling on behalf of.     Needless to say, no one showed up at my home, but I have continued to receive the same harassing phone call, more recently on  XXXX  leaving the same voice message.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXX XXXX  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 602 A section 2, it also states a consumer reporting agency can not furnish an account with out my written instruction or consent.
Product: Checking or savings account

On XX/XX/XXXX I had an automatic withdraw to pay rent at XXXX XXXX in Washington DC through my Capital One 360 account. I was sent an alert from Capital One on XX/XX/XXXX that my check for {$2300.00} was declined, a full day after the check was officially declined. This was after I had over {$3700.00} across savings and checking in my Capital One 360 account. They also take a longer time to clear checks than any other bank I have used in the past. 

I was contacted by the management company of the apartment that my check was canceled and that I would owe a {$100.00} fee for the declined check. Capital One has free balance transfers between checking and savings and a one day grace period for inssuficient account funds that I was expecting based on signing up for my account. What is not clear is that you are not automatically enrolled in free services like most other banks. 

There is also no way to enroll in these services through the app where Capital One pushes you to conduct most of the account business. They make it difficult to sign up for these services in a way where they almost don't want customers to have the benefits that they offer for free. 

I never received an email about signing up. Even the email that stated that I did not have sufficient funds, which is not true, did not mention the free services offered. Capital One makes it difficult to know about the free services so fees can openly be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is a Bankruptcy on myCredit Report what is not belong to me
Product: Money transfer, virtual currency, or money service

I signed up with the company Square XXXX  for my existing business. I processed a transaction for a customer and sent her a receipt from the app. After I confirmed the payment and initiated a transfer of the funds to my banking ; I began the job and purchased the materials. XXXX days later I received a notification for square up saying they needed more information about me and the transaction ( my passport, the customers info invoices, bank statements, etc ) a total of XXXX items. The next they were not satisfied and wanted more clarification which I did. I told them the customer is XXXX XXXX XXXX and doesnt have an email I can only give her phone number and address and they can reach out to her. The next day I received a notification that without an explanation or any way to dispute or contact the company they are withholding my funds for XXXX days. I looked up the contact number it shows on the website and the number hung up on me after XXXX attempts. I then downloaded a voip app so it could call from a different number and got through to someone on the sales team who said she would transfer me over to support. I spoke to someone and explained then he said he would need to transfer me to a supervisor. After explain to the supervisor he asked did you receive the email saying your account is suspended i said yes thats why Im calling. Then he said I must disengage from call you have to email then hung up. The email that it is sent from is a do not reply email. There is NO way to get ahold of some one and they can just keep my money. I am out {$3000.00} for paying for the customers materials and paying the subcontractors and the customers work is almost done. I read online that this company has done this to many contractors and they withhold their money and possibly profit off it buy keeping in their own company high yield savings. Something needs to be done about them
Product: Mortgage

I had a Mortgage for more than XXXX years with XXXX XXXX XXXX, the XXXX of XXXX my mortgage was tranfered to Select Portfolio Servicing Inc. XXXX. I have been working with The Va Mortgage Assistance Program to help keep my account up to date. My job was severely affected by the outbreak of XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX. VA Mortgage Assistance Program has been great! for the last XXXX months they have [ along with myself ] tried to reach out to them to simply get the amount of past due payments in order to send the fund to their company but they will not respond. The State of VA calls XXXXtimes per week and i call more than that. I have spoken with numerous people but nothing has changed. My family needs whatever help you may be able to offer.
Product: Checking or savings account

In the month of XXXX I utilized my bank 's bill pay service by scheduling a time for a payment to be sent and received by at my local water utility company. This bill pay service has a service guarantee in their XXXXXXXX XXXX XXXX that states if the payment doesn't doesn't post in time, and you met the scheduling requirements, they would cover up to {$50.00} in late fees. I was charged two late fees ( For two utility accounts ) or {$7.00} each. 

I attempted to seek remedy for to be reimbursed through my bank. After countless phone calls, time spent on the phone, and representatives that would either transfer me or just take notes, I have to give up and submit this complaint. It's black and white in the XXXXXXXX XXXX XXXX that I should be reimbursed the late fees due to their service failure ( or their 3rd party service failure ). 

I have attached the XXXX & XXXX and review specifically the following : Payment Scheduling The earliest possible Scheduled Payment Date for each Payee ( typically five ( 5 ) or fewer Business Days from the current date ) will be displayed within the Service when you are scheduling the payment. Therefore, the Service will not permit you to select a Scheduled Payment Date sooner than the earliest possible Scheduled Payment Date designated for each Payee. When scheduling payments, you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non- Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one ( 1 ) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period. 
The Service Guarantee Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your Payees account. The Service will bear responsibility for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under Payment Scheduling in these Terms and Conditions.
Product: Debt collection

I am being contacted by XXXX XXXX XXXX XXXX on behalf of Cavalry SPV I , LLC to collect on a debt for an account that I have never owned. 

The amount is for {$1400.00} and states the original creditor is XXXX XXXX XXXX. I have never been contacted by Cavalry SPV, nor have I ever taken a line of credit with XXXX XXXX through XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXXXXXX XXXX Balance : {$500.00} ; XXXX XXXXXXXX XXXX Balance : {$340.00}
Product: Checking or savings account

This company Onjuno I have a checking account with them and went to use my funds that they let be deposited on my account. But they are saying use of everyone 's funds are restricted because they are in a disagreement with a business partner. Meanwhile I am not being told when or if I will be able to access my funds and bills are due I'm losing money on fees and hardship because this company refuse to let me access my hard earned money. This is theft and I want them to be held accountable. How can they allow funds to be deposited but when you want to use or withdraw your funds tell me that they are unsure of when or if I can access MY Money they took knowing they were going to not let me access...
Product: Debt collection

Theres a collection agency called WAKEFIELD & ASSOCIATES reported a false Debt amount of {$820.00} on my credit account XXXX and XXXX on XX/XX/XXXX Which I do not know where it came from the debt not belong to me I immediately called the company to ask them to remove the report from my account and I made a despute from XXXX and XXXX XX/XX/XXXX and then they get me the report that they cant remove the debt which the company said its accurate I called XXXX to appeal the decision but nothing seems to be done to remove that collection on my credit report it really hurting my life now Please I really need your help.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry request from jpmcb - card service. I do not have any knowledge of this credit inquiry and would like it removed from my credit bureaus. It is severely damaging my score.
Product: Credit card or prepaid card

My Bank of America debit card was cancelled on or before XX/XX/20. This happened because of some unspecified " merchant compromise '' and was not related to my bank balance or any action of mine. 
Despite having my phone number and email address, as well as the ability to message me through the BOA mobile app and online banking, there was apparently no attempt to notify me of this action. 
I found out when I tried to buy breakfast on Saturday morning. After less than an hour on hold XXXX barely XXXX I spoke to a BOA employee who said the cancellation was " for my protection '' and promised a new one in 3-6 business days. This means a week or more of no cash, no ability to order online, no scheduled payments will be honored, etc. Luckily, I had XXXX old checks in a drawer and I found an open BOA office where I could cash one. Hope everyone 's taking cash ... 
This was an unforgivable lapse of service and a serious, ongoing problem for a customer of XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Unknown Inquiry XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX : Unknown Inquiry XXXX XXXX- XX/XX/2021 Wells Fargo Dealer S XX/XX/2021
Product: Credit reporting or other personal consumer reports

Please delete this from my credit report this account is not mine I have no obligation to them XXXX DELETED THIS PLEASE DO THE SAME YOU WONT LET ME DISPUTE THIS ON LINE
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 the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/year> Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/year>