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

I. Consumer Information : - Name : XXXX XXXX XXXX. Issue Overview : This complaint is to address and seek resolution for the unjust and unexplained actions taken by Wells Fargo, including an unexpected directive to close ALL of my accounts and the freezing of my fundsoriginating from a significant transaction. These actions have severely impacted my ability to meet financial obligations.

III. Detailed Description of Events : 1. Deposit from Home Sale : On XX/XX/2024, I deposited funds into my Wells Fargo account from the sale of my home. This deposit was intended to support my financial activities, including an international wire transfer. 

2. Denied International Wire Transfer : On XX/XX/2024, Wells Fargo unjustly denied my request to conduct an international wire transfer without providing a substantial explanation, disrupting my financial management plans. 

3. Directive to Close Accounts : Later the same day XX/XX/2024, I was informed by the bank that I needed to close all my accounts, without clear reasoning or justification provided. 

4. Account Freezing and Restricted Access to Funds : Upon attempting to close the accounts on XX/XX/2024, I discovered that my accounts were frozen, denying me access to my funds until XX/XX/2024. This action was vaguely justified as a " business decision '' by the bank, without further explanation. 

IV. Impact of Wells Fargo 's Actions : The bank 's actions have caused significant financial and emotional distress : - Inability to meet payroll obligations, affecting my business and employees. 
- Potential damage to my credit score due to delayed payments, with long-term financial implications. This will cause damage to my credit report. 
- Personal distress from being unable to meet living expenses and other financial commitments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several pieces of inaccurate information that I have found on my credit report. I request that these items be removed as soon as possible. 

XXXX. XXXX XXXX XXXX accounts are listed with the same ending account number ( XXXX ) but they are in fact different accounts. 

XXXX. The XXXX XXXX account listed on XXXX for {$20000.00} has an incorrect account number. The correct ending account number is # XXXX. 

XXXX. The XXXX XXXX account listed on XXXX for {$12000.00} also has an incorrect account number. The correct ending account number is # XXXX. 

XXXX. There is a discrepancy in the amounts owed to the company XXXX XXXX XXXX XXXX XXXX XXXX accounts. Theyre stating the amounts that need to be paid is {$22000.00} and XXXX XXXX.The XXXX XXXX accounts ( on XXXX XXXX {$20000.00} being owed ) and ( XXXX account states {$20000.00} for XXXX XXXX ) being owed but the amount that needs to be paid is {$22000.00} they also have the XXXX XXXX account for {$3200.00} and it say amount owed is {$3400.00}. And this is on XXXX, XXXX XXXX, Experian. 

XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX for the amount of {$4800.00} needs to be disputed on both Experian and XXXX reports. 

XXXX. XXXX XXXX XXXX account # XXXX in the amount of {$4200.00} needs to be disputed on both Experian and XXXX reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in the amount of {$890.00} needs to be disputed on XXXX, XXXX XXXX, Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$480.00} needs to be disputed on both XXXX and XXXX reports. 

XXXX. XXXX XXXX collection/write off in the amount of {$8100.00} needs to be disputed on XXXX. 

I demand these items be removed immediately from my report. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq., all information must be correct and accurate. I have included copies of my bank statement, and my driver 's license from the state of Florida for verification purposes.

I look forward to your prompt attention to this matter. Please inform me as soon as these corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is paid in full. 

XXXX XXXX - Balance {$39000.00} Accounts ( 3 ) below are not mines. 

View all accounts COLLECTIONS XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5900.00} Original creditor : 09 XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$3000.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a final payment with credit acceptance XX/XX/2020. They are still reporting as a delinquent/derogatory.
Product: Checking or savings account

Hello, I seek a chargeback in the amount of {$3200.00} for the XX/XX/2024 mortgage payment made through ACH to XXXX XXXX XXXX  ( aka XXXX ). According to the EFTA, the definition of an unauthorized transaction through commercial fraud is : -- The business knew the information was incorrect -- The business intended to deceive the victim -- The victim relied on the false statement -- The victim suffered damage as a result of relying on the false information. 

I suspected XXXX XXXX was involved in fraudulently collecting mortgage payments under the guise that they could foreclose on my home if I didn't pay. I sent them notices to validate this and they assured me that they did own my loan and Note and had the right to foreclose on my home if I didn't pay them. 

I paid for a third-party forensic audit of my loan and discovered that XXXX XXXX ( XXXX ) does not own my loan, my mortgage, or my Note. I have a letter from them in writing stating that they own all three, which is false. I told them I was not paying my mortgage anymore because they have no secured interest in my home. Unfortunately, I had already paid my XX/XX/2024 payment. 

Since I paid online, I did not receive paper billing statements from them. I never even thought to check my principal balance or to see if all payments were being applied to the loan balance. I was able to print out my XXXX statement before XXXX XXXX locked me out of my account. I no longer have access to any past statements at this point. For this XX/XX/2024 payment, they did not apply it correctly to my loan balance, so that is another point of fraud in addition to the threats of foreclosure if I did not pay them when they knew they had no legal claim to my home. 

This is now considered an unauthorized transaction according to the definitions outlined in the EFTA that requires a chargeback be issued by my banking institution, TD Bank. I filed a police report and took the information to TD Bank to file a fraud claim. They said it appears to be authorized. I explained that I had authorized it because I believed I relied on their false statement which is the only reason I authorized it ( fear of them taking my home ). I called the TD Fraud department and filed the claim that way, and they have not issued any provisional credit nor asked me for details about why it was unauthorized. 

I have researched the laws on commercial fraud, the EFTA, and my banking institution 's requirement to give a provisional credit / chargeback for matters that I have defined above. TD Bank needs to issue a provisional credit while these matters are proven by me through their investigation.
Product: Debt collection

i have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Product: Debt collection

I received a telephone call from D2 management the week of XXXX about a XXXX XXXX debt that is from XXXX. I explained to the debt collector that I will not be paying the debt because it was an invalid debt then and it is still an invalid debt now. I also explained with the age of the debt there is no reason for me to resolve because I have more recent things on my credit that I need to clear up. I then explained that I wanted communication to cease and desist. The call ended. Yet they proceeded to place another phone call on XX/XX/XXXX with a voicemail left for me. The voicemail never stated the company name or that it was a call from a debt collector. When returning the call I realized it was the same company. They acknowledged that I advised not to call a week prior. I requested the recordings in which I was denied.
Product: Credit card or prepaid card

In XX/XX/2022, I applied for a Venture XXXX credit card from Capital One, and the card has a {$390.00} annual fee. Capital One instantly approved the credit card and the Venture XXXX card was sent to my home. The last XXXX digits of my credit card account number are # XXXX. 

On XX/XX/2022, I attempted to use the Venture X card overseas and the charge was rejected. About an hour later, I received an email stating We recently detected suspicious activity on your account and restricted it from making any transactions to protect you. I contacted Capital One Fraud Department and they asked me to submit the following items : 1. Drivers License ( front and back ) 2. Social Security Card 3. Proof of residence ( bank statement, utility, etc. ) After submitting the requested information several times, I submitted a letter to Capital One informing them to either re-activate my credit card, or refund me the {$390.00} annual fee and close the account. 

On XX/XX/2022, I learned that Capital One permanently restricted by card, which means I can no longer use the card. I have requested Capital One to refund me the {$390.00} annual fee. Despite putting in numerous requests and escalating the matter, Capital One is refusing to refund the {$390.00} annual fee. 

I am requesting that Capital One refund the {$390.00} annual fee since Capital One took a decision to permanently restrict my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/24, I used Sendwave to send {$2100.00} to my XXXXXXXX XXXX account in XXXX. Typically, such transactions process within minutes, but in this case it was processing for XXXX days. On XX/XX/24, through a chat, I asked Sendwave to cancel the transaction and I immediately received a text that the funds had been delivered. Until this moment, the funds have not been delivered to my XXXXXXXX XXXX account, meanwhile {$2100.00} has been debited from my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that I am a victim of identity Theft on XX/XX/2023. I sent all the proper documentation to EQUIFAX, XXXX, XXXX, and the consumer financial protection Bureau. These consumer reporting agencies failed to block the information on my credit file and properly investigate my disputes under U.S.C 1681 c-2. I have all the paperwork and proof sent from these consumer reporting agencies that violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a late payment on my credit report from XXXX XXXX XXXX that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. This is reporting correctly on my XXXX, but not reporting correctly on XXXX and Experian. 

From the picture attached, one can see that XXXX is reporting multiple different account numbers, with incorrect account statuses. 

I demand this be updated to paid as agreed, never late, on time on all 3 credit reporting agencies as this is holding me back from being able to advance in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX ( page 14 and page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax ; XXXX  and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account XXXX ( page 20 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to fix these issues on my credit report. This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

My mortgage loan was transferred to new mortgage service in XX/XX/XXXX. The new mortgage servicer sent my documents to other 3rd parties but not to me. They refuse to communicate verbally and will not mail me my monthly mortgage notes to my home address. However they do send me unrequest home appraisals and charge me for them as well. 

In addition, their disputed owed amount is erroneous. It was erroneously claimed by previous the previous FIVE ( 5 ) servicers. I am disputing these maliciously erroneously claimed amount with previous service-rs in the courts. 

However, until this matter is cleared, this NEW COMPANY 's  malicious and fallacious claims are ruining my credit, and the opportunity to get away from a usurious interest-only loan acquired in the XXXX to XXXX home financial crisis. 

I am paying an interest rate of 6.125 % and it will climb to 6.75 % in the next 2 years. I can not afford to continue to trow hundreds of thousand of dollars, for the next 30 years, just because they claim it to be so! 

Since XXXX of XXXX thru XX/XX/XXXX, I have paid in excess of {>= $1,000,000} dollars in pure interest because they purposely muddled my payment history in order to force me into foreclosure. 

I beg you, please review my document package, it list every cashed check from XX/XX/XXXX, to XX/XX/XXXX. Every one has been cashed by their respective holders withing a 30 day period of their receipt. 

I would welcome a little bit of justice, just enough to stop being ripped to shred 's by the viscous predators that this industry have become. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

in regards to complaint number XXXX company states they have verified this debt. I have received no documentation from experian regarding what was used to " verify '' this charge off. This account is still on my credit report in good standing I should not have a charge off for this account. Provide the proof of this debt being valid and proof that this should be a charged off account. Also company did not respond to my CFPB complaint at all. this should be removed from my credit report as company and credit bureau should report correct information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

This company is in violation of FCRA. They are reporting this collection account on my credit report with an " Open '' status. This is inaccurate reporting and therefore this collection account needs to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Federal As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Wells Fargo has caused me severe harm. I been scammed. I been treated like XXXX. I been lied too. If this caller does not work for Wells Fargo than I want to know how this scammer was able to obtain my personal information from Wells Fargo. I file complaints and I keep receiving calls from a person who claims he works for Wells Fargo Bank. My research indicates this caller is a scammer and does NOT work for Wells Fargo Bank. I keep sending Wells Fargo these voice messages I been receiving and as of today Wells Fargo has ignored my concerns. When I file complaints I communicate with the person who sends me letters. I do not communicate with someone else who doesnt send me letters. This caller is a scammer and he possibly is responsible for taking money out of my accounts. Wells Fargo does bother but laugh at the harm they have caused me. I have no choice other than to file another complaint to get a response from XXXX  Wells Fargo Bank. Please listen to these voice messages attached. I am having a difficult time uploading these scam callers voice messages. Please provide me with a email address so I can forward these voice messages.
Product: Checking or savings account

Multiple transactions were unauthorized on my account. I filed a fraud claim and it was immediately declined with no reason. No info and I did not do these transactions.
Product: Debt collection

NO proof of paid fund is available. just keep getting the run around. I have a documents from XXXX XXXX court house saying was dissolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I value the help of 3 Credit Bureaus to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Debt collection

I am filing this complaint against WAKEFIELD & ASSOCIATES and their Agents XXXX ( Client Success Representative ) and XXXX XXXX ( Collection Specialist ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Health Insurance Portability and Accountability Act ( HIPAA ), as well as provisions under the HITECH Act.

The debt collector has failed to provide the required documentation to validate the debt in question. Specifically, I have requested the following information, which has not been provided : Validation of Debt : Proof that I am the correct party being asked to pay the debt.

Details of the Alleged Debt : Information about the medical service ( s ), including the date of service and the name of the patient.

Proof of Contractual Obligation : Documentation proving my legal responsibility to pay this debt.

Authority to Collect : Copies of any agreements with the creditor granting the debt collector authority to collect the alleged debt, or proof of acquisition by purchase or assignment.

HIPAA Compliance : Documentation that supports the disclosure of medical records under HIPAA.

Security Provisions Compliance : Documentation demonstrating compliance with the breach of security provisions of Subtitle D of the ARRA and provisions related to health information security ( HITECH Act ).

Additionally, I have requested that the debt collector cease and desist any further collection activities, including reporting or verifying the debt on my credit reports. I have specified a ten-day period for compliance with these requests.

Despite these requests, the debt collector has failed to provide the necessary documentation or cease collection activities, which is in direct violation of the FDCPA, FCRA, and HIPAA. As a result of these violations, I have suffered potential harm to my credit, privacy, and peace of mind.