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

I was awarded over XXXX by the EDD for PUA. Before I received access to XXXX  dollar Bank of America allowed someone to fraudulently change my address and they intercepted my debit card. I called hundreds of times to check on the status of my card and I couldnt be verified which did not make any sense, and they just would refer me to the Edd to change my information so I could be verified. I spent countless time going back and forth with the bank reps, only to months later have a Bank of America rep accidentally disclose my address which gave me a way to reset my own account online, that had been set up by a fraudster. I then learned the extent of my case was in fact much worse than I could have imagined, not simply not receiving my card but it was drained every time my Edd funds were deposited. I Immediatly filed a dispute and the funds were temporarily put back into my account only to be immediately taken back by Bank of America after supposed investigation. They locked my account down for not being able to verify my identity. Months went by before eventually after a judge order I was able to verify myself and reopen my disputes. In the time I was helpless I reached out to my state assemblyman and anyone I thought could help. To this day I have received a total of XXXX. I had three disputes opened in the amounts of about XXXX, XXXX, and XXXX. For Nearly a year I call about a status of the reopened cases and just get vague, uncertain responses. It was first you will have a decision in the cases at most in 30 days. Then it became soon, we will add you to the waitlist. Month after month. Finally in XXXX they decided one case, the smallest of XXXX, in my favor. They didnt even notify me. I have called every week and all the claims dept will do is file w complaint, whatever that means. I am struggling, every day, and would implore your help protecting my award money and not being bullied by a bank with no recourse. Thank you.
Product: Debt collection

I am enrolled in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX coverage. XXXX  covers all deductibles, copayments and coinsurance on services covered by XXXX. I have sent all the information needed to Americollect, XXXX XXXX XXXX, XXXX, WI XXXX, phone : XXXX ( my XXXX   enrollment information and the information they need to collect payment ) but they keep on sending me a form asking for the same information. 
This is for a bill of {$45.00} for services rendered by XXXX XXXX XXXX on XX/XX/19 at XXXX XXXX in XXXX XXXX, Florida. 
I contacted the XXXX XXXX XXXX XXXX   billing company on XX/XX/19 with my XXXX  information. I contacted them again on XX/XX/19 and I was told to disregard the bill. I then received an invoice from Americollect and sent all the requested information on XX/XX/19. I have since received the same forms in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a uniform decision on XX/XX/XXXX when I entered a XXXX  XXXX XXXX credit transaction. The only evidence of debt is the agreement, but that agreement is null and void because I made an uninformed decision and I didn't understand the meaning, it was not clear to me, and conspicuous. on XX/XX/XXXX, I sent a letter to the credit bureau and XXXX XXXX XXXX asking for them to remove the inaccurate information on my credit both parties refused to comply with granting my rights. After 30 days 3 credit bureaus Equifax, XXXX, and XXXX updated my credit report with more inaccurate information on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian an Identity Theft affidavit for the XXXX XXXX XXXX reporting on my credit file. The balance on the account is {$6800.00} I have sent XXXX XXXX XXXX and also EXPERIAN a copy of my Identity theft affidavit back in 2020. They were suppose to block the account and they failed me as a consumer, Also according to 15 USC 1681 ( d ) Investigative consumer report. EXPERIAN AND XXXX XXXX FAILED ME AS A CONSUMER AND STATED EVERYTHING WAS VERIFIED when either of them failed to do their full job according to what congress states in 15 USC 1681 ( D ) I AM DEMANDING XXXX XXXX XXXX BE REMOVED FROM MY REPORT.
Product: Checking or savings account

My bank closed my account due to a check being deposited into my account I didnt know at that time was fraudulent. I still have a balance in my account but theyre refusing to send it to me because theyre saying I need to come into a branch with my ID in order to get MY MONEY. At the time of this issue, I was living in New Jersey within 50 miles of a branch. Only thing that was stopping from going there at the was the fact that I was waiting for my ID to come in the mail because the one I had was expired. Now, I no longer live in New Jersey or within 50 miles and theyre still refusing to send me MY MONEY even tho they said they would if I didnt live within 50 miles of a branch. And the last person I spoke to told me to stop at branch when I travel. Not knowing I moved due the hardship I was facing. Not because I wanted to.
Product: Debt collection

Hello, I got a debt collection for just XXXX dollar for XXXX XXXX  XXXX XXXX XXXX There is no way for me to pay XXXX XXXX payment online as their bill dont provide website address or even its not visible when your search on XXXX. Attached the bill or notice which has a text without any website url or a phone number. 

I used or may have used XXXX XXXX online and in the billing notice they are asking to pay on website but never provided the website address. 
Its making almost impossible to pay the same. 
I will try to XXXX personally but dont want any debt collection on my account if XXXX XXXX XXXXXXXX  dont provide a way to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I gave back the XXXX XXXX back to XXXX XXXX car finance. The never sent me a statement for the sale of the vehicle. When I spoke with them by phone the explained to me that the loan was satisfied and the account was paid in full. XX/XX/XXXX I got an alert from the credit bureau that a new account has been reported to my credit report. I call XXXX XXXX and stated my account was paid in full and was close. I ask the representative to email me a copy of the statements and they never did. How can a company say for almost five years the my account was paid in full. Later sell a account to a debt collector that close. This is an attempt to defraud me for a none valid dept.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$49000.00} XXXXXXXX  - XXXX - XX/XX/XXXX - {$8300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfers

I got the buyer, who purchased an item from my website via Paypal. I 've sent him his purchase and provided with tracking number, item was delivered to him. He opened a claim, stating, that he 's got an empty box. The thing is, that I have the receipt from the USPS that shows, that the package was XXXX XXXX oz, which is obviously not the weight for an empty box. I 'm not sure whether the buyer stole it or somebody on the XXXX custom ( the buyer is from XXXX ), but as a result I 've lost both my item and my money. Because Paypal closed the case in buyers favor ( he gave them a sort of the police report from their local police office ). Except from the obvious evidence ( receipt from USPS ) I would like to add, that I 've been eBay seller for more then five years, I have more then XXXX transaction and also I 've been selling from my web site for around a year and I 've never had problems like this before. And it does n't make sense to me to do that ' as this is my business which brings me money.
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts listed on my credit report this evening, with no explanation as to why. I checked it like I always do, but suddenly there were discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inaccuracies were still there. Now, Im requesting that my documents be reviewed in full so I can stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

This is a formal request, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), to update and permanently remove all inaccurate and outdated personal information from my consumer file. 
Pursuant to : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports Reporting outdated or irrelevant personal information, such as old addresses, incorrect names, or inaccurate employment data, violates the requirement that only accurate and relevant information should be reported.

15 U.S. Code 1681g ( a ) Disclosure to Consumers As a consumer, I have the right to ensure the information being reported is both accurate and complete. Any failure to disclose accurate personal identifiers undermines the integrity of my consumer file.

15 U.S. Code 1681e ( b ) Maximum Possible Accuracy Your obligation to maintain reasonable procedures to ensure the maximum possible accuracy of reported information includes the accuracy of my personal information, such as my legal name, current address, date of birth, and employer.

15 U.S. Code 1681i ( c ) Statement of Dispute If you can not verify the accuracy of the personal information in my file, you must either remove the unverifiable information or include a statement of dispute, as required by law.

I want to include the following as evidence that if this personal information continues to report inaccurately and is not removed immediately, that there are already cases that have been presented in court to show how these violations are ruled on. XXXX XXXX XXXX, XXXX ( XXXX XX/XX/XXXX. XXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXXXX/XX/XXXX XXXX ) confirm that credit bureaus are liable for failing to maintain procedures ensuring accuracy and relevance of reported information. 
My Accurate Personal Information Is as Follows : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Employer : XX/XX/XXXX XXXX Address : XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX AL XXXX My Requested Actions : 1.Delete and Remove : All incorrect names, aliases, or misspellings. 
Any outdated or incorrect addresses. 
Any inaccurate dates of birth. 
All irrelevant or inaccurate employer information. 
2.Conduct a Reasonable Reinvestigation : Verify the accuracy of the information reported and ensure only accurate, relevant, and up-to-date personal information is maintained in my file. 
3.Provide Written Confirmation : Confirm, in writing, that these changes have been made. 
Failure to update and correct this information within 30 days of receipt of this letter will be considered a violation of the FCRA and may result in legal action. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General, if necessary, to protect my rights. 
Thank you for your immediate attention to this matter. I expect confirmation of these updates promptly.
Product: Debt collection

I have contacted speedy cash, as well as XXXX XXXX XXXX XXXX, fraud department with no success! I am a victim of identity theft someone took out a loan online using different phone number, different email, different work number there for speedy cash can not give me information! When it was in fact taken out in my name and is in collections. Ive tried several attempts to communicate and inform them this is not my account!! XXXX Please help XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX
Product: Mortgage

United Wholesale Mortgage ( UWM ) failed to notify and transfer related documentation to Mortgage Assistance when my loan was transferred to XXXX XXXX, a new mortgage servicer. This action is causing a significant delay in mortgage assistance from the new servicer. Documentation that was already provided to United Wholesale Mortgage through loansolutioncenter.com was again never provided to XXXX XXXX. 

I began seeking assistance with my mortgage on XX/XX/year>, with UWM. The process started, but I was told it could take up to 30 days to process. The mortgage assistance application was never transferred when the loan was transferred ( I had no notification from XXXX XXXX ). Please refer to the attached screenshot, as it shows underwriting is reviewing my application with XXXX XXXX for mortgage assistance only after manually submitting all documentation with XXXX XXXX that was initially given to UWM. 

Loan # for UWM : XXXX Loan # for XXXX XXXX : XXXX UWM 's failure to transfer my mortgage to a new servicer appropriately, meaning all documentation, including mortgage assistance, was not filed, which has resulted in further delays in my seeking assistance and potential fees ( such as late payment and other associated fees with XXXX XXXX ). 

Background context about me personally : I was laid off on XX/XX/year>, resulting in an inability to pay XXXX 's mortgage payment as I'm still job searching. I followed up with the mortgage company to communicate that I was laid off and wanted to start mortgage assistance proceedings during the second week of XX/XX/year>.
Product: Money transfer, virtual currency, or money service

The company I am complaining about is Binance.us. I have been using their services for about a year. I have never before had an issue with them regarding buying and selling crypto until recently. I have kept money this exchange the entire time I've had an account with them. I have not deposited/withdrawn excessive amounts of money and only have about {$6600.00} dollars in my account. Last night, when the market was extremely volatile, I sold off my position with the intention of buying lower. But when I tried to buy back in Binance.us told me that I have to verify my identity. So I went through the process. I gave them pictures of my license front and back, and took a selfie for them. But when I tried to buy back in after verifying, my account was frozen due to pending verification. 
I understand the importance of KYC but I have been completely transparent with them this whole time. My problem is that customer support is completely non existent. Last time I put in a support ticket it took 2 months to get a response. So basically, my money is stuck in limbo, I lost my position and have currently already lost over {$1000.00}. The timing of this is very suspicious, and feels intentional. I've been trading for a year without problem and all of a sudden when the market is taking a 40 % dip XXXX cant buy back in? I cant wait weeks on end for support to get back to me or for them to verify my account. Every other exchange verifies immediately. I don't think its right that they can hold my money hostage, and spring this sort of thing on me during the most inconvenient time of the market cycle. This is ruining any chance of a financial freedom that I was hoping to gain and as a consumer I should be protected form this sort of behavior. I should at the very least be able to talk to someone in a timely manner. And the internet is filled with complaints about this exchanges business practices.
Product: Money transfer, virtual currency, or money service

XXXX percent responsibility of our serious problem -- a monetary loss of {$270000.00} -- has to do with total negligence and lack of red flag controls at XXXX Wells Fargo branches in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My wife 's computer was hacked by a criminal fraudster impersonating an XXXX from XXXX XXXX XXXX. This person convinced my wife {$40000.00} was mistakenly put in our joint checking account at the XXXX XXXX XXXX, and further seduced/convinced her to return the funds via wire under potential penalty of arrest if she did not comply. 

The first wire was sent from said XXXX XXXX, to a foreign address. No one at that Wells Fargo branch tried to persuade her not to send it. 

My wife was immediately contacted by the criminal fraudster saying the funds we not received, and they seduced/convinced her to send a second wire. She attempted to do this out of the Wells Fargo XXXX XXXX branch, and thankfully an astute banking professional there talked her our of sending it. 

She was then contacted again, being threatened by this criminal, saying they were not receiving any funds. This went on for a total of XXXX additional wires sent from XXXX separate nearby Wells Fargo branches, until finally Wells Fargo stopped the madness. But, not until {$270000.00} total from XXXX wires went through the Wells Fargo system. All to know criminal addresses. Yet not once did Wells Fargo explain to my wife about what was happening. 

I have written some half dozen registered letters to the CEO and board members of Wells Fargo and have received the most unprofessional, negligent, horrible responses from what is clearly a banking institution that thrives on taking advantage of unsuspecting people. They need to be stopped.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXX and XXXX XXXX to Respond to Initial Complaint within Legal Required Timeframe Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and XXXX regarding their failure to respond to my initial complaint within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve the issue directly with XXXX and XXXX, they have not acknowledged or addressed my complaint within the 30-day period specified under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 

On XX/XX/year>, I submitted a complaint to XXXX and XXXX regarding unauthorized inquiries, identity theft, and inaccurate information on my credit report. Furthermore, I have discovered that XXXX and XXXX have accessed and reported on my credit information for over 10 years without my authorization or knowledge. According to Section 604 of the FCRA, consumer reporting agencies must obtain a permissible purpose before accessing a consumer 's credit report. I did not authorize XXXX XXXX XXXX to use or report on my credit information for any purpose. According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute, consumer reporting agencies such as XXXX and XXXX are required to conduct a reasonable investigation within 30 days, unless they consider the dispute to be frivolous or irrelevant. In my case, both XXXX and XXXX have failed to adhere to this statutory requirement by not responding at all within the specified timeframe. 

This delay has caused significant inconvenience and potential financial harm to me. As a consumer, I rely on accurate credit reporting to secure loans, housing, and employment opportunities. XXXX and XXXX 's non-compliance with the FCRA has directly impacted my ability to manage my financial affairs and protect my creditworthiness. 

Therefore, I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX and XXXX for their failure to comply with federal law. Specifically, I request that XXXX and XXXX be compelled to remove my entire complaint from my credit report immediately, as they have forfeited their right to report it due to their failure to investigate and respond within the required timeframe. 

Please inform me of the steps you will take to address this matter and ensure both XXXX and XXXX 's compliance with federal consumer protection laws. 

Thank you for your prompt attention to this urgent matter. I look forward to your timely response and resolution of this complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

The results are do to a motor vehicle accident that accrued in XXXX of 2019. I was the passenger and the XXXX  I was in was XXXX  by another vehicle. The total medical claim was for {$13000.00}. I should have not been responsible for any bills what so ever. This needs to be removed from my credit report please help resolve this for I have attempted several times. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. on my credit report is information that does not belong to me. In fact its the same company with more than one account, which I don't see how its possible. I pay my bills that are mine as can be seen by looking at my report, but I will not be held liable for fraud or error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX,2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Checking or savings account

Citibank offered me a {$1500.00} cash bonus for opening a business checking account and a deposit of {$100000.00} within 30 days of account opening ( Citi_Small_Business_cash_bonus.jpg ). 
But Citibank did not allow me to deposit my funds within 30 days of account opening due to branch closure and late shipping of my debit card. 
I tried all the ways I have and deposited {$100000.00} into my account within the XXXX days of account opening. 
Thus, I did not satisfy the offer terms due to Citibank 's problems. 
And Citibank refused to pay out my bonus after I filed a dispute. 

My timeline with submitted proofs ' names in the brackets is following : On XX/XX/2022, I opened a Citi Business Streamlined Checking Account ( Opening_Account_in_branch.jpg ). 
Since XX/XX/2022, I couldn't fund my account because the local branch was closed due to COVID and Citi can not provide me with the account number. 
On XX/XX/2022, XXXX XXXX, the Citi Banker who helped me open my account, told me the only way to fund my account is through online banking after I receive my debit card ( branch_closure.jpg ). 
I did not receive my debit card until XX/XX/2022 ( Debit_Card_Delivery.jpg ). 
Thus, Citibank did not provide a solution to me for funding my account before XX/XX/2022 which is within 30 days of account opening.
Product: Debt collection

I got my credit report recently and found this collection agency Berling Wheeler Inc report on my credit report for XXXX Cable Bill in the amount of {$380.00} The account # XXXX and was opened on XX/XX/2020 for two months. The address on the account was for service provided in XXXX XXXX XXXX , XXXX XXXX, LA XXXX. As of today, I have never been to XXXX XXXX, LA in my entire life. I am also a value customer for both my business and home services with XXXX, I do not have a bill in that amount from XX/XX/2020. Please remove this from my Credit Report ASAP.