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

On XX/XX/XXXX, a fraudster successfully infiltrated our Wells Fargo bank account, creating a payee under my name, XXXX XXXX, albeit we later discerned the actual name was different ( XXXX XXXX, someone I don't know ). Following this, we were contacted to wire {$XXXX} to the said payee to prevent the wire from executing, under false pretenses. 

Notably, the call originated from the customer service number displayed on the reverse side of our debit card, which instilled trust in us regarding the authenticity of the caller. He was also able to state the last few transactions that we had done on the card. This is even though we had the card in our possession. Then he rattled off a few more recent transactions that he claimed were denied as fraudulent and we could not see them on our account. His ability to call from the CS number at Wells and confirm recent transactions built trust with us which he used to defraud us. 

The funds were consequently transferred to another Wells Fargo account. However, within XXXX minutes post-transfer, we realized the discrepancy upon identifying the actual name on the wire transfer. We immediately contacted Wells Fargo 's fraud departmenta call recorded for quality and service assurance. The representative assured us that the transaction would be halted, given the recipient bank was also Wells Fargo. 

We did receive a call from the fraud department to ascertain the unintended nature of the {$XXXX} wire transfer, affirming it was not meant for an acquaintance. We kept calling and reaching out. On XX/XX/XXXX, almost 2 months after the fraud, Wells Fargo said they were able to retrieve {$XXXX} from the account. I find this unacceptable. If the fraudster was another Wells Fargo accountholder, and they were able to access the account after XXXX months, they surely had the ability to access that account sooner and take action as shared the customer service personnel at Wells Fargo ( that call was recorded for quality assurance ). I would like to receive the remaining balance of my account and would also like to know if Well Fargo had conducted a proper KYC before granting that fraudster an account. In addition, have they taken any legal actions against the perpetrator of the fraud or is that person defrauding others as well? 

I hope you can help me achieve better results on this. 

Best, XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Vehicle loan or lease

I, XXXX XXXX, am writing regarding Account # XXXX. I request that you immediately send me my full refund check in the amount of {XXXX  for my XXXX XXXX XXXX, XXXX :. Despite paying my account in full on XX/XX/XXXX, I still have a remaining balance owed to me. It is currently XX/XX/XXXX, and the XXXX business day timeframe promised has elapsed without me receiving the check. 

Over the past two months, I have repeatedly called to inquire about my refund, to no avail. Even after being informed that delivery was switched from USPS to XXXX  Overnight, no supervisor has been able to provide me with a tracking number for my checks. Therefore, I request that you send me my check as soon as possible to resolve this issue. 

If I do not receive the check within the next XXXX business days, I will be forced to take legal action. However, I hope that we can expedite this matter and reach an amicable resolution without needing further measures. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello, I applied for the Home Depot credit card today ( A Citi store card ). Upon being approved for the card, I was shown a credit limit of {$600.00}. I then got an email advising I had a credit limit of {$1000.00}. I find the contradiction to be a major problem in keeping terms understandable to consumers. 

I called Citi cards and they further couldnt / wouldnt give me ( a consumer ) any information about the due date, bill cycle or talk to me about how the APR was calculated. Total stone wall job. I am a consumer just trying to get the basic details about how the card worked and no one wanted to give me the information. As a consumer, how are we supposed to know any of the terms of the credit cards we sign up for when these organizations refuse to provide it? Further, how can they offer a different credit limit in two different documents ( both of which I have ) and not honor the {$1000.00}? 

Citi cards also *asks* callers for their cell phone number so they can send the cell phone number a text - which makes no sense. Why wouldn't you text the number you have on file? Think about it - I am an XXXX - you ask for my number and I give you a number and you text it - I give you the code - you now have access to my information. This is a major security loophole if you ask me. 

After being a customer with Citi cards for nearly 2 decades, I am having to file a federal compliant because I cant get the credit line I was already approved for based on a hit on my credit or any information about the card. I think these folks need more regulation and I need a resolution. 

Thanks, I talked to : XXXX - Credit Supervisor Team XXXX - XXXX
Product: Mortgage

TD bank held a payment as unidentified funds because my escrow account adjusted, and therefore marked me 30 days late for a mortgage payment instead of shorting the escrow account balance by {$39.00}, I tried to communicate with TD bank but no one there would discuss the situation with me other then they think they are correct
Product: Money transfers

On XXXX XXXX I made a international money transfer to XXXX through Western Union APP Mobile, I tried to send {$300.00} + {$5.00} Fee. For any reason Western Union Cancelled the transaction. But on XXXX XXXX Western Union took the funds from my bank account, but the money transfer was still cancelled. I called them several times and they told me I have to wait 7 days to see reflected the funds on my account.After 7 business days the money never was refunded, when I called them again they said that Western Union never took the money from the account. I started a claim with my bank ( XXXX XXXX XXXX ) the bank deposited temporarily the funds while start a dispute with Western Union trying to recover the funds. 
When XXXX could not recover the funds they took back the temporary funds, and that created a overdraft on my account. I have been in constantly communication with Western Union trying to clarify this situation but they just tell me that the bank has already give me the money back. They asked me to send them my bank statements, I did it 3 times and still I do n't have any positive answer from them. 
I just need to Western Union return me my {$300.00} to my account.
Product: Credit reporting or other personal consumer reports

I filing a formal complaint against [ Equifax, XXXX, and/or XXXX ] for failing to conduct a proper and reasonable investigation into my credit disputes, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite providing supporting documentation, the credit bureaus have erroneously verified inaccurate information as valid, violating my rights under federal law. I disputed the following inaccurate information on my credit report : Incorrect Account Balances Certain accounts reflect incorrect amounts that do not match my records. Wrong Date Opened Accounts show incorrect opening dates, impacting my credit history. Personal Information Errors My report contains inaccurate personal details that I requested to be corrected. Charged-Off Accounts Some accounts were improperly reported as charged off. Closed Accounts Accounts that I previously closed are still being reported as open, which affects my credit utilization. Each of the credit bureaus responded by stating that the disputed information was verified as accurate, but they failed to provide documentation proving their claim. Their response does not align with the requirements of the FCRA, which mandates a fair and reasonable reinvestigation process. 

Legal Violations 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Proper Reinvestigation The credit bureaus are required to conduct a reasonable reinvestigation of disputed information. Their failure to adequately verify the accuracy of the information and their blanket response that my disputes were valid violates this provision.

15 U.S.C. 1681e ( b ) Duty to Maintain Accurate Information The credit bureaus must ensure that all information in a consumers file is accurate. By continuing to report incorrect account balances, dates, and personal information after I provided supporting evidence, they have failed this obligation.

15 U.S.C. 1681i ( a ) ( 5 ) Failure to Correct or Delete Inaccurate Information If a disputed item can not be properly verified, it must be removed or corrected. Since the credit bureaus have not provided proof supporting their verification, they are in violation of this requirement.

2. Fair Debt Collection Practices Act ( FDCPA ) Violations ( If Related to Debt Collections ) 15 U.S.C. 1692e False or Misleading Representations If debt collectors furnished incorrect information to the credit bureaus or failed to verify disputed debts, this constitutes a violation of the FDCPA.

15 U.S.C. 1692g ( b ) Failure to Validate a Debt Debt collectors are required to verify the validity of a debt upon dispute. If they failed to provide proper validation and the credit bureaus continued reporting the disputed accounts, this is a violation of consumer protection laws.
Product: Credit reporting or other personal consumer reports

Transunion is running my credit report, However i do have a fraud alert on my credit report which i should receive a call for any account thats trying to be open in my name, they failed to do so. This needs to be deleted from my credit report Asap
Product: Mortgage

I refinanced into my current loan in XX/XX/XXXX. We were very conservative when taking out this new loan because our home is our families biggest investment. At that time we were a 2 income household and the increased payment was very affordable. Several years later, my loan was assigned over and over again to many banks due to them going out of business after the mortgage industry imploded. We stayed current and always communicated with our new banks. A couple years ago my husband was laid off from his job of several years and our now adult children were able to help out with our household expenses. We maintained until my son was in a car accident and was unable to work. We incurred expensive medical bills associated from this accident. This along with lessened work hours for me at work and the lack of income from my husband caused us to fall behind. We were now with SPS and this is when our troubles began. We reached out for help with our missed mortgage payments and in XX/XX/XXXX we applied for a modification. I was unable to complete the application due to not having the documents they were requesting. Our hardship was still very present-my husband still looking for work and my son 's therapy expenses taking a big chunk of my now full time income. As of today we are all doing much better. My Husband has found a great job and I am full time, my son is almost back to his old self. We reapplied for a modification on XX/XX/XXXX and shortly after I received a letter from SPS denying me for all retention options because we have a foreclosure sale within 27 days of the date of our application. This letter was dated XX/XX/XXXX, one day after they received our application- it was not reviewed at all just denied. When I called into SPS to go over the details of the denial I encountered a very rude representative that was just compassion-less. She was very difficult to speak with and combative when I asked her basic questions about my application. Again I am just seeking clarity on this denial as I do not do this for a living. I was reminded about how we applied last year and the file was incomplete. The representative basically advised that they are unwilling to help me today because there is a sale date on my property, that they already offered me a review and I didnt complete it. That was last year and my circumstances today are better than they were last year. I felt as though this person was very unnecessarily rude towards a homeowner that is only seeking to keep their home. I submitted a complete package and it wasnt even reviewed by them after all of our troubles this was very un-expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below are continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  Balance : {$240.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXXN XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}.
Product: Mortgage

I am paying off two homes with first mortgages on each property. Mr. Cooper is the servicing company and they are charging me on each mortgage the following. 

{$25.00} for Expediated Delivery Fee ( because they faxed the payoff instead of sending it through XXXX ) {$20.00} for Third-Party Reconveyance Preparation Fee ( preparing the Satisfaction of Mortgage ) These fees are not mentioned in my note and mortgage and I have to pay them or they won't release the mortgages. I am hostage to these junk fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to formally advise that GM Financial has violated several of my consumer rights. Specifically, GM financial has failed to validate a debt at my request, which is a violation to the FDCPA 15 USC 1692g - Validation of debts. I requested this information on XXXX XXXX, 2022 ( XXXX XXXX # XXXX ) when I sent a validation request to GM Financial. GM Financial responded with a letter asking me to call them, even though I stated I would like to communicate only by mail. Also, according to the FCRA, GM Financial has committed a violation to 15 USC 1681a ( 2 ) Exclusions ( i ) which clearly states " report containing information solely as to transactions or experiences between the consumer and the person making the report '' and I've never given this " person '' my authorization to share any transactions or experiences. That is only one violation according to the FCRA that is being committed, there are several. Another is 15 USC 1681 under ( a ) Accuracy and fairness of credit reporting. Not only is this account being reported without my permission, it also has incorrect information. For one, it says it's in collections but has a balance. Another inaccuracy is, every month GM Financial reports a new charge off and late payment on a closed account, all while GM Financial continued to report a disputed debt to the Credit Reporting Agencies. These violations are damaging my reputation and have prevented me from three very good deals on investment vehicles. Not only has GM Financial committed FDCPA and FCRA violations, but they are just violating all my consumer rights. According to 15 USC 6802 - Obligations with respect to disclosures of personal information in paragraph ( b ) a financial institution may not disclose nonpublic personal information to non affiliated third party unless ; ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given any of these options to opt out nor were any of my options explained clearly to me. Not only has GM Financial ignored my prior requests for validation of debt but GM Financial continues to report this debt to the credit reporting agencies causing damage to my character. 

Should GM Financial again ignore my rights and continue to bring harm and damage to my character I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I would also like to seek damages from GM Financial for these violations. 

Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 
o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Product: Vehicle loan or lease

Earlier in 2021 we purchased a new XXXX XXXX. Along with that purchase we added an extended maintenance plan. Within a few days of purchasing the vehicle the finance manager - XXXX XXXX gave us a discount in order to have us keep the plan. That changed the monthly payment from {$510.00} to {$500.00}. That amount was never reflected in the online account we use to pay the monthly car payment. We have NEVER been late or missed a payment. What American Honda Finance did was open a new account that reflected the $ XXXX monthly payment but we did not know this. We kept calling them because we expected to see the new monthly payment amount listed in our billing. It was not. Still to this day has not been. And what American Honda Finance did was to flag our account as a charge off because they have a second account that they think we have not paid on. We contacted American Honda Finance because we noticed the charge off on our credit report on XX/XX/XXXX. We contacted them and they stated they would get this cleared up. I tried to log into the new account that they told us on the phone that they would merge/clear up but no data on the loan amount or new monthly billing of {$500.00} ever showed up. American Honda Finance gave us a letter stating we are NOT at fault and yet on XX/XX/XXXX they flagged it as a charge off again. This is intolerable. We are being impacted quite negatively for their incompetence and inability to update a simply backend accounting function. I can only hope these folks do not try to repossess the vehicle even though we've NEVER missed a single payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cbna bank XX/XX/2022 i got a hard inquiry that i want deleted. 

By XXXX XX/XX/2022 i got a hard inquiry that i want deleted also. 

I say this because as you can see i have nothing on my credit report before that, because i never knew anything about it. I jus started working on my credit in august with credit lines i have on my account now thats the only thing i recognize. I gave No consent for those other inquirys
Product: Bank account or service

Citizens Bank XXXX XXXX, RI sent me, by US mail, an offer to receive {$200.00} by opening an account and meeting stated requirements. The requirements were : open the account by XXXX XXXX, 2015, make a deposit each month XXXX of which would be a minimum of {$500.00} and the {$200.00} would show on the account after XXXX XXXX. I went to the Citizens Bank at XXXX XXXX XXXX, XXXX, NH on XXXX XXXX, 2015, discussed the offer with Branch Manager XXXX XXXX, opened the account, fulfilled all requirements and now have not received the money. I have talked with Supervisor XXXX XXXX and Bank Officer XXXX XXXX, Sr Advocate. She said she would see to it. The money is not in my account and she has not called me back. I have all the paperwork and pertinent notes and want Citizens to pay as promised NOW.
Product: Vehicle loan or lease

My credit report is saying my auto loan is hurting my credit score and I have already took care of the balance. I need it taken off. The amount is XXXX dollars. 

Be advised, this is not a refusal to pay, but a noticed that your claim is disputed and violation is requested under the fair debt collectors practice act I have the right to request validation of the debt and say I owe you. I am requesting proof that I am indeed, the party you are asking to pay this debt and there is some collateral obligation that is binding on me to pay this debt. This is not a Verification or proof of my mailing address but a request for validation made pursuant To 15 USC 692G section 809B of the FDCPA I respectfully request that your office is provide me with competent evidence that I have any legal obligation to pay you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report. 
The following accounts were not opened by me and should be immediately blocked and deleted : 1. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$420.00} XXXX. XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$460.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$6300.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} 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 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 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 contacting you in desire need before i take legal action against a company that has placed a collection account on my credit. My concern like i advised the attorney i met with is that i have never received a notice from the company asking if the account was mine and if so work with me on some payment options .... be advised none of that has happened and the account is not mine, I have no knowledge of what is is for.     The attorney told me this is a violation of the FCRA and ha s sued Grant and Weber before actually a few months ago for this and similar violations.      I am requesting the following account be removed immediately if not a suit will be f ile in Federal Court.      Grant & Weber Account  Number   XXXX