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

On Sunday my daughter sent me a post on messenger from a friend she knew on XXXX to inform me that she was selling a car. I told my daughter to see what I needed to do and she stated that she would reach back out to her friend and see what needed to be done. The person who was responding was not my daughters friend at all. My daughters friend page was hacked but we did not know it at the time. I sent {$1000.00} through my bank using the Zelle services and my bank told me there was not they could do because it was 3rd party and that I needed to contact Zelle services and so I did and they said unfortunately they could not refund my money. I didnt or dont have a {$1000.00} to lose and this has put me and my family in a bind.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 my controller was hacked by a party from XXXX that opened an account in my businesses name, XXXX XXXX XXXX in a Wells Fargo account.. As a result my refiner wired XXXX US dollars into that account. When we realized there was a problem Wells Fargo did a pull back on the wire and was able to get XXXX back leaving us short XXXX that had been transferred out of the account and was unavailable for refund. 

Wells Fargo opened an account in my business without doing any due diligence, let a large sum of money to be wired into an account off shore with no due diligence. 

Wells Fargo was absolutely no help with any of my questions and told me the only way to get the XXXX back was to take them to court.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of medical bill from XXXX XXXX opened on XX/XX/XXXX along with 5 hard inquiries, 4 from XXXX XXXXXXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with one from XXXX  on XX/XX/XXXX. FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I was notified by my staff XXXX that a debt appeared on my XXXX credit report. After investigating the item, it was determined that ATG Credit of XXXX was the organization that reported the fraudulent debt of {$160.00}. I have never been late on any account and further, my accounting team has never received a late notice for any of our accounts.
Product: Student loan

I had requested, twice, a temporary forbearance to get a longer repayment on ramp for my loans. I was briefly granted an administrative forbearance that was almost immediately dismissed. Since, I have made multiple calls to speak with someone about the status of those two forbearance applications, but the servicer simply doesnt answer the phone. 

Each time I have waited on hold for at least an hour. I am worried that my loans will fall into default and I am getting no avenue to even discuss my options with my servicer.
Product: Money transfer, virtual currency, or money service

I am writing a concern about Zelles handling in light of the recent CFPBl lawsuit highlighting significant issues with the platform. Zelle failed to dispute and investigate my claim adequately.. Zelle has neglected to protect customers.
Product: Checking or savings account

I had overdraft fees that was placed on my account because of unauthorized charges. US Bank did side with me that charges was unauthorized. But a US bank representative was only able to give me up to 2 overdraft fees back. I didn't dispute what she said. I came directly to CFPB here next to get the rest of my overdraft fees. I had a total of 5 unauthorized charges on my account ; so I am here to get the other 3 overdraft fees back. Thanks for your quick and prompt response to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I dont know how to delete it from my name
Product: Credit reporting, credit repair services, or other personal consumer reports

So I am getting extremely upset. TD Bank reported my balance incorrectly. It reports I still owe a blance when I do not. TD Bank used XXXX XXXX XXXX to help them collect debts. I settled my account with XXXX XXXX XXXX & they are still reporting inaccurate information. I am upset because I am in the process of trying to get a house & the incorrect reporting is prolongong the situation. I settled the account legally for aboiut {$1400.00}. They reflected the XXXX as a payment and is claiming I still owe. Radius presented me the settlement offer I did not call and ask for that amount. This is time sensitive and needs to be chnaged immediately
Product: Mortgage

I have an Enhanced Deed which gives me the right to have the house and anything associated with it. This becomes effective once my parents passed away. My mother passed away in XXXX of XXXX. My father passed away in XXXX. Since then, I was personally paying the mortgage until I could refinance. I have given Wells Fargo all documents they have requested. 

This is my issue, once I send the requested documents to Wells Fargo, they want additional information. The request for additional information comes weeks later. First, in XXXX, I asked for information that I needed for refunds. I was told that I had submitted everything I needed. Second, I received a check, in my parents name, for a refund of the over-payment. I was told by Wells Fargo 800 number that I needed to submit a letter that asked for the name to be changed to my name ( on the refund check ). I submitted it via fax from the local branch. Third, I received a letter from Wells Fargo asking for proof that I made the over-payments. I mailed the documents to them as requested. I have proven that I personally made the over-payments ( as requested ). Fourth, now I just received a letter asking for additional paperwork/info. 

Below is the information they requested and I have sent. Why do they keep asking for more information? Why cant these requests be put in one letter? How can I get my approximately {$5000.00} back? 

Dated XX/XX/XXXX. Asking for information on deaths. Including Enhanced Deed, death certificates, wills, etc. 
Faxed XX/XX/XXXX. 

When information was faxed on XX/XX/XXXX, the local Wells Fargo customer service spoke to their estate representative and I asked what I need for refund. ( There was a credit from over-payments in escrow? ). I was told I had submitted the paperwork needed. 

Approximately on XX/XX/XXXX, I wanted all the over-payments made in my name. ( I had received a check in my dead parents name. It was for approximately {$5000.00}. ). I was told to send in receipts showing I had made the payments ; and, proof that I made the payments. ( From accounts in my name. ). It was sent via USPS. 

Letter dated XX/XX/XXXX. Wells Fargo had receipt of payment in full from my bank. ( My proof that I made payments. ). It was from the refinance through XXXX XXXX XXXX XXXX XXXX. It was overpaid and loan information listed me as payoff. I also showed where I paid via Bill Pay. 

Dated XX/XX/XXXX. Wells Fargo received proof of my payments from my bank records. This includes my refinance paperwork showing I refinanced the home under my name. This is ALL Wells Fargo asked for. 

Letter dated XX/XX/XXXX wants to show that I am the executor, Enhanced Deed ( information was listed in the wills ) and other information I submitted earlier. 

I have done everything Wells Fargo has asked for. I just want my money that is due to me. I have proved that I have made the payments. The state and property tax commission show me as the responsible party, why cant Wells Fargo? 

Any help you can give me would be appreciated. 

Thank you.
Product: Credit card or prepaid card

This credit card is from a U.S.Bank ( Skypass Visa ) affiliated with Korean Air, rewarding mileages and discount on XXXX ticket purchase and VIP lounge passes.

Every year I am supposed to received XXXX Korean Air VIP lounge passes.

However, I have not received anything for the last 3 years. 
On XX/XX/XXXX, I called the US Bank customer service and inquired about the VIP passes.

They simply said they dont know and just wait.

They also said the vip passes are good for one year so they can not send anything for the year XXXX and XXXX. 
They should say they will send me the back order passes XXXX, XXXX and XXXX but they would not help me at all.
Product: Checking or savings account

Wells Fargo has consistently allowed charges to go through on my account even when the account balance is negative, and then charges overdraft fees. Last year Wells Fargo refunded some of these overdraft fees but are refusing to this year. This year they have charged over {$1300.00} in overdraft fees to my account. When I spoke with Wells Fargo, they stated these charges are ACH transactions and thats why they are force posted. However, they allow the charges to go through sometimes but deny them other times for the same automatic payments ( I.e. XXXX recurring bill for {$3.00} was allowed to go through when account was negative, but XXXX recurring bill for {$10.00} was declined on the same day-both payments were to the same company ). In my experience, it seems as they are picking and choosing what transactions to force post so they can charge overdraft fees. I have also received overdraft fees for charges that I made when the account had enough money to cover the transaction, but it posts days later and makes the account negative.
Product: Debt collection

I recently checked my XXXX credit Report & noticed a fraudulent collection account posted within my consumer profile. I took the initiative to give XXXX a call about this Fraudulent collection account, I spoke to a representative named XXXX and he informed me it must be a mistake because I currently have XXXX Services and my current bill is up to date. In order to keep XXXX services your monthly bill must be on time to keep service. XXXX informed me to ignore the Collection company CCS COLLECTION which XXXX sold my personal information which I did not give the company to furnish a fraudulent collection account. XXXX aslo informed me that my name on this collection account doesn't match my name, which clearly indicates Fraud.
Product: Student loan

A company called " account control technologies '' ( XXXX ) XXXX keeps calling me about a student loan in collections for a borrower with whom I have no relationship. This is a loan for which I did not sign anything. The borrower listed me as a reference ( without my permission or without notifying me ), and the company " Account Control Technologies '' is calling me using phone numbers that I provided to the loan company XXXX XXXX for ANOTHER, UNRELATED account. Its not right for them to call me over and over again about a loan that I have absolutely no legal relationship to and when I asked them to stop calling me a few weeks ago, they called again today ( twice ) on all of my phone numbers. Today, I asked to speak to a manager, and he told me that not only will they continue to call me but they " legally '' can refuse to provide me a copy of the loan documentation where my name appears. This is harassment. I have no relationship to this loan and I never consented to be any sort of " reference. '' The company whose loan they are collecting on ( XXXX XXXX ) did not obtain any signatures from me about being a " reference ''. If it was included on a form by the borrower, IT WAS DONE WITHOUT MY KNOWLEDGE AND WITHOUT MY CONSENT. This should be illegal.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have asked for them to be removed and the Bureaus did not do as I asked. 
I am going to tell them that I am providing an identity report which I will attach to this and I am requesting them to be removed because they are inaccurate and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXXXXXX XXXX Balance : {$140.00}
Product: Credit reporting or other personal consumer reports

This is my second request. 

Please remove the following Inquiries of my report. 

XXXX XXXX XXXX ( XXXX Inquiries showing ) XXXXXXXX XXXX XXXXXXXX Also please remove all fraud alerts and statements.
Product: Consumer Loan

I had an account with Conns. I bought unemployment insurance with my account. I lost my job later and filed a claim several times but they just keep ignoring me. NOW CONN 'S IS REPORTING A CHARGE OFF, THE INSURANCE COVERED THE BALANCE
Product: Checking or savings account

I have been trying to transfer money out for more than a month. Was told the issue was solved several times. Today the account is " locked ''. When I called, I was told the account was under " review ''. I was told no other information will be provided to me. I was told I can not speak with anyone who has the authority fix the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). NASA FEDERAL CREDIT UN is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

Portfolio Recovery is illegally reporting a 19 year old debt of a XXXX XXXX XXXX XXXX and XXXX XXXX credit card that was opened in XX/XX/XXXX. The law states that after 7 years the debt should be removed off of my credit report ; but Portfolio Recovery keeps reporting it as a new debt. They can not report old debt as new. Ive disputed with them and the credit reporting agencies, but it is NOT getting removed from my credit report. It should not have showed up after XX/XX/XXXX ; however it was just recently reported on XX/XX/XXXX. The removal date keeps changing each time they report it as new. Please help me get this debt removed off of my credit report.
Product: Checking or savings account

On the morning of XX/XX/2020 ; I was using my debt card at a gas station. My card card was canceled without my knowledge or consent. I contacted customer service and was transferred to a persona named ( XXXX  : XXXX ) Employee ID XXXX  ; He was very snark with remarks claiming to be " XXXX XXXX '' but I can call him " XXXX ''. After an hour of speaking with " XXXX '' he refused to escalate my concerns to his manager. Claiming not to have a manager and I can only file an internal complaint with him about his conduct. He then kept me on hold for another hour claiming he was working out of Montana, when the are no Bank of America locations in Montana. I recorded the conversation as evidence for a lawsuit since he thought it was so amusing. I like to be amused as well and a reimbursement for the time spent dealing with his lies would give me nice chuckle. 

All in all it was if these are the people representing BOA them we should consider working with another financial institution.
Product: Mortgage

Wells Fargo provide a brand new full documented loan over the telephone ( XXXX v. Wells Fargo, XXXX ) we requested a modification to our existing mortgage with Wells Fargo we believe they colluded and coursed us into a full loan which removed us from qualifying for a Government HAMP loan as the date is now outside of the guideline for approval. Question is why did Wells Fargo not provide us what we asked, a simple modification. Wells Fargo not only requested but demanded over the phone we sign the new fully documented loan or there as nothing they could to help us. This eventually forced us into bankruptcy, we tried desperiately to communicate with Wells Fargo, and they ignored us, and eventually sold our loan to XXXX, who foreclosed on our home. We are currently making probationary payments to keep our home. Wells Fargo never told us they were selling our loan to XXXX until it was too late. We need HAMP assistance! Our principle balance should revert to XXXX due to our bankruptcy, and we should be able to get a 2-3 % interest rate. XXXX provide their solution which is NOT a solution at all, in fact we believe they are taking advantage of the situation. We can provide more information to you via PDF file. I spell out our situation pretty clear in my previous presentment to all parties involved.
Product: Debt collection

XXXX and its collection agency Receivables Performance Management ( RPM ) started collection activities shortly after I switched my cell service to XXXX 

My on-line access to my account was shut off and I was unable to view or pay my bill online. I believe that the amount involved ( {$170.00} ) may have been for the month after my service ended. 

I received written demands from RPM and daily calls demanding payment. Although I could not access my account to determine if I owed the {$170.00}, I paid it by check to RPM on XX/XX/XXXX, to stop the collection threats. ( At the time, I thought the amount was not worth my spending time pursuing. ) RPM continued to call me daily even after they cashed my check on or around XX/XX/XXXX. 

XXXX reported to XXXX as a seriously past due/deliquent account as of XXXX and it remains on my credit report as such today. I have a 100 % on-time payment history for the past ten years. And this reporting has damaged my credit rating and ability to obtain financing. 

On XXXX XXXX I sent the attached letter to RPM via XXXX with a return signature required. RPM refused to accept the letter 3 times from XXXX, and has not responded to XXXX 's 3 door tags. ( See attached ). 

I also sent the XXXX XXXX letter to XXXX via US Mail and I received an entirely non-responsive ( AI generated? ) letter that did not address any concerns in my letter. XXXX failed to acknowledge the payment received by RPM on their behalf and continues to this day to report this account as seriously past due/delinquent, despite it having been paid in full over a month ago. 

I suspend that XXXX uses credit reporting tactics such as this for customers who leave them for another carrier and this is not a legitimate use of reporting by either XXXX or RPM. I also believe that the amount I paid was not legitimate, but I am unable to get an accounting from either XXXX or RPM. 

Beware if you leave XXXX for another carrier, as they will use unfair collection tactics to punish you for the decision.
Product: Money transfer, virtual currency, or money service

Block, Inc. ( Cash App ) has demonstrated inadequate customer service and unfair practices, violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving accounts vulnerable and unprotected. Furthermore, they abruptly closed my account without providing any explanation, demonstrating a lack of transparency. Their dispute resolution process was also deceptive and failed to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. Therefore, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX ] [ Account Number : XXXX ] XXXX : XXXX XXXX, XXXX ] [ Account Number : XXXX ]
Product: Credit card or prepaid card

I purchased 1 item with XXXX, when i received notification from USPS that the item was ready for pickup I went to pick it up. At USPS the worker advised me it was 2 items. I advised him that i only only ordered/wanted 1 of the items not 2. I noticed that it was 2 of the same items because the box was the same weight, size and shape. He also noticed it as well. He advised me that I could refuse 1 of the 2 shipments, which I did. On the electronic signature he wrote " REFUSED ''. For the 2nd item I signed for it because I received it. A few days later I returned the other item that I actually ordered. Few days past and i notified XXXX, which they told me to contact the seller XXXX and XXXX bank. I contacted XXXX, XXXX and XXXX. XXXX and XXXX ( seller on XXXX ) where not responding with the return so after a few calls, emails and letters to both ( XXXX and XXXX ) I contacted XXXX opened up a dispute and mailed them all documents with proof of the return, emails to XXXX and XXXX of them being non-responsivness. I waited around 2 1/2 months for XXXX to send me a letter saying that they have removed the credit on my account for the charged and placed the charge back on my account. The cover letter from XXXX advises me of a different customers dispute, not mine. I called XXXX and they advised me that they had to side with the merchant because of what the merchant submitted. I advised XXXX that the merchant didn't provide proof that I signed for the goods, but i provided that i shipped it back to them. XXXX told me that they did receive everything from me, but they couldn't help me. I contacted XXXX via chat and they said they will look into this again for me especially with what i told them and with what she could see on her end.
Product: Credit card or prepaid card

On XX/XX/2018 my purse was stolen that had my social security card, drivers license, kids social security cards, chase bank ATM card, XXXX XXXX credit card in it. Some one opened a XXXX  XXXX XXXX account in my name.