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

I received a cashier 's check to perform a XXXX XXXX survey. The survey included buying 2 money orders in the amount of {$1000.00} each and XXXX   gift cards for the total amount of {$500.00}. I subsequently found out that the cashier 's check was a fraud and my bank deducted the amount from my bank account.

I contacted Moneygram immediately after and was instructed to email the claim forms and requested a 48-hour expedited processing of the claim. I sent the email on XX/XX/XXXX. At that time, Moneygram indicated that someone did try to claim the money orders and it was under review. I was told to wait 2 days before confirming that the email was received. I informed Moneygram that the person trying to cash it is a fraud, but Moneygram indicated that they can not place a note about the fraud. Called Moneygram on XX/XX/XXXXand XX/XX/XXXX and was told to check again later. Resent the email with claim forms on XX/XX/XXXXand also sent a fax.

Contacted Moneygram today,XX/XX/XXXX, and was told that the money orders were cashed on XX/XX/XXXX Moneygram will not explain why they only received the faxed claim, and not the email. They are not explaining why they never got the email sent to the email address they provided. They cashed the money orders despite having been informed that it was a fraud.
Product: Checking or savings account

If on XX/XX/2023, an account review was conducted, and the decision was made to end the banking relationship. Then what happens to the check that I deposited for {$8300.00} on XX/XX/2023 if it is indeed unable to be verified by maker? 

If On XX/XX/2023 a secondary review was completed the decision was upheld to still restrict my personal account, where is the check for {$8300.00}? 

If the check still needs to be verified and you TD bank can not locate the maker as it does not show up as a registered business in the state of NY, why are you still holding on to the money? Return the money back to the check makers account from whence it came from TD said ULTIMATELY meaning : finally ; in the end. 

If finally in the end TD can not locate the maker of the check as they have confirmed then why is TD still holding on to the {$8300.00}? 

In the end, they are unable to find the maker. That sounds like a concluded investigation to me. 


So they need to return the money back to the account from which it came from. Ultimately there is no investigation if ultimately you can not locate the maker. 

TD needs to send the money back to the original XXXX  account from which it came as they have all of the account information there is nothing stopping them. If TD truly suspects fraud, why would they want to hold on to fraudulent funds? I am fine with TD ending our banking relationship and I am fine with my account being closed, not restricted. I do not want an account in my name with restricted access. I am not fine with TD keeping funds that does not belong to them after they have clearly ultimately reached a decision. Please provide an answer as to when the funds will be returned to the original account from whence it came from. Please provide what steps has TD taken to locate the maker of the check? Please provide what information you have used to try and verify the maker of the check.
Product: Debt collection

XXXX XXXX is a 3rd party debt collection agency which according to The XXXX XXXX XXXX seeks to protect consumer financial privacy which Universal is invading my privacy. In pervious complaint I let them know they were committing identity theft because they shouldn't have my Nonpublic personal information which I never consent them to have. According to the XXXX XXXX XXXX XXXX the consumer have the right to opt-out if I don't want my information shared with certain nonaffiliated 3rd parties. Im exercising my rights to opt-out not to allow Universal RE to have my Nonpublic personal information. in attachment this is all included in ( NPI ).
Product: Money transfer, virtual currency, or money service

On Wednesday XXXX XXXX, XXXX I initiated a wire transfer ( transaction # XXXX ) from my Coinbase account to withdraw funds to my personal banking account. The Company Coinbase is claiming " degraded service '' with a delayed transaction time of 3 business days. It has been 5 business days and they do not respond to emails. The total transaction amount was XXXX including a {$25.00} wire transfer fee. I also attempted to direct message them via XXXX but they do not reply. I currently have a case open with them XXXX. The initial email response I received from them last Saturday was a computer generated response that did not pertain at all to my situation. When I replied I got another generated response stating they might not respond for several days. I am not the only consumer with this issue and have spoken with other via XXXX who have been waiting longer. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I've recently noticed fraudulent activity on my credit reports ( XXXX, XXXX XXXX Equifax ). What has been reported, has led me to believe that I may be a victim of identity theft, as I did not approve nor authorize any information to be used in my name, social security, and/ or attending any college/ University, etc. I am requesting that this fraudulent item be deleted from my credit report at your earliest convenience. I've placed a security freeze on my credit which should alert me proper to my information being used toward this account. This fraudulent item is reporting inaccuracies which are negatively impacting my relationship with numerous creditors, as I am in the process of buying a car. I have reported the theft of my identity to the Federal Trade Commission and would this item to be removed from my credit report immediately. Please review the enclosed copy of the Federal Trade Commission affidavit regarding this fraudulent account. Thank you!!
Product: Debt or credit management

A few years ago I contacted Lexington law to repair my credit I even sent money before hand and never got serviced
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried pulling my credit report to refinance the balance of my vehicle loan with XXXX XXXX XXXX. I come to find out that XXXX reported me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the XX/XX/XXXX and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand the following accounts be verified or removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing this letter with an overwhelming sense of fury, disbelief, and frustration regarding the ongoing presence of fraudulent accounts on my credit report, which have been a constant source of distress and injustice. It has come to my attention that despite my repeated efforts to rectify this grave error, these accounts persist on my credit report, tarnishing my financial reputation and causing severe damage to my financial well-being. 
Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, despite my diligent efforts and the clear evidence I have provided, your bureau has failed to investigate and rectify this matter appropriately. This flagrant disregard for my rights as a consumer and the damage caused to my financial standing is utterly unacceptable. I demand immediate action to correct this egregious error. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. It is your duty, as a credit reporting agency, to ensure the information you provide is both accurate and up-to-date. The presence of fraudulent accounts on my credit report constitutes a severe violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

I have sent several letters to XXXX XXXX XXXX to fix the issues on my credit bureaus even to verify that the accounts are mines and they write me back talking about that I did not provide enough information about the disputes for them to work with. Either they have my signature or contract or they don't. That just tells me that they report incorrect information to the credit bureaus and think you suppose to accept it. I want all of there information off of all 3 credit bureaus if they don't have the verification then the accounts should be deleted don't know if I got the loan or not. They will not respond to a simple verification letter, with all the information that they needed was highlighted in red. The steps was in a 123 format. Then write back talking about not enough information, If you have my name, social security number, account number, and address what else information do you need to see if I ever have an account with the company but they can take a loan out in your name if a thief gave them your information though.
Product: Checking or savings account

I am submitting this due to the Wells Fargo Lawsuit. 
I have moved out of California and have not received any communication from Wells Fargo.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed a mistake. The XXXX credit bureaus are required to validate this account per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the account listed on my credit report : XXXX XXXX XXXX : {$230000.00}
Product: Checking or savings account

XX/XX/2020 I filed for a XXXX XXXX  in XXXX of 2020, I was finally granted a loan on XX/XX/2020. I was in the process of applying for a another Capital One account for my business when I was given the loan. I am a sole proprietor that did not know I had to have separate business account. I had the deposit sent to my Capital One checking account while I waited for my response. I used XXXX. XXXX of the money for business debt. I was shocked to see the account had been frozen. I called into Capital One where a very rude and disrespectful when inquiring about my account. I was given one of many case numbers and told to wait for an email or letter in the mail. That took place 2 months ago with no call, emails, or letters. In fact I have nothing from them. I have called daily only to be put on hold for several hours. When someone finally picks up, your immediately sent to voice mail. I have left over 25 voice mails with my name and contact information and no return calls have been made. 
I am a small business owner that has taken my own pay role out because we are financially drained. We are out of mone, we have used our savings, XXXX k and taken from a college fund to keep out business afloat but we have run out of options. We are gong to have to force a closure if something isnt done. I sent in my Ein paperwork and business registration to fraud immediately. I contacted the XXXX and was sent a generic form that I disputed and got a closed file with no outcome. I was told the money would be possibly be sent back to XXXX but now the turn around for that to be resent is 2-4 months because of this confusion. Clearly there has been some type situation with all of these XXXX XXXX  because no one is being funded or banks are returning deposits. I understand there has been fraud also, but I am NOT a new customer, I have had two credit accounts with Capital One for over 3 years. When my accounts were frozen both of my accounts were closed immediately without any reason. The bank has every right to investigate Complaint Summary Please describe your complaint in detail Page 2 of 3 Have you complained to the business or individual? If Yes, when? 
What was the business ' or the individual 's response? 
Did you sign a contract? 
How much did the company/individual originally ask you to pay? 
How much did you actually pay? Method of Payment Date of Payment Have you contacted another agency or attorney about this complaint? 
If yes, please list name and address of the agency or attorney? 
What action was taken by this agency or attorney? 
each deposit but holding a loan for 2 months is ridiculous. I am being charged interest each day on a loan I can not access but are financially responsible for also. I am going to to lose my home, car and business because of Capital One 360 bank. Can someone please look into this matter before I have no other options. Thank you so much for any help or guidance you can give me. 
Yours truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location. 

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX at XXXX am a money transfer of {$510.00} dollars was sent through Western Union on this location XXXX XXXX XXXX, XXXX, TX XXXX to XXXX XXXX. 
On the same day Friday, XX/XX/XXXX more less at XXXX pm the recipient was at the XXXX XXXX XXXX to claim the money- a total of {$10000.00} pesos and she was told there was no money to be claimed for her. She also went to the XXXX bank and she was told the same. 
At this time I called the Western Union customer service where I learned that the money was claimed at XXXX XXXX a different city and state at XXXX PM. 
Until now, Saturday, XX/XX/XXXX nothing has been resolved! only a case has been opened. How can the transfer be claimed at a different state and a different time? We need this money to help my parents sustain their household and daily lives. Western Union should refund this money. 
Tracking # XXXX {$510.00} dollars was sent {$10000.00} pesos need to be received Western Union Case # XXXX Please help, I appreciate your help in advance.
Product: Credit card or prepaid card

I cancelled my PayPal NetSpend prepaid card due thinking it was stolen and the representative who cancelled the card said " I would get a replacement card '' that never got delivered. I've spent multiple hours and days trying to access my funds from direct deposits from the IRS and my job that were loaded on to that card and they keep telling me that account dos n't exist and card number dos n't exist after they cancelled it. I have documentation, pictures of my card and sms messages showing my transactions and deposits made to that card. the multiple representatives are not helping me with a replacement card or transferring my funds to a new card. Please help me
Product: Checking or savings account

I returned something to XXXX for a refund of approximately {$250.00}. The funds were issued to my debit card at the store, and it was processed immediately by the store. This was on XX/XX/year>. Truist made this refund " pending ''. The next day it was still pending. On XX/XX/year> at XXXX, Truist called me attempting to collect a negative balance of {$14.00} from me. Truist charged me a fee of {$12.00} for maintenance after I made them aware I was affected by hurricane Milton. Truist is attempting to collect a debt that they created in bad faith. This complaint a long, just like every previous one, will probably be ignored by Truist. I'm closing my account as soon as I can withdraw the funds that Truist has made unavailable to me.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 
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 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a closed collections account with the XXXX XXXX XXXX. I have no affiliation with this company. My relationship and debt with XXXXXXXX XXXX was remedied directly with XXXX XXXX. There was no debt available for XXXX to purchase this is a fraudulent report on my credit I have paid no money to XXXX and have no relationship with XXXX. This fraudulent report must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  : # has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Last month XXXX I was having trouble getting my card to activate. I was charged a monthly fee but not able to use my card or account. I was told I could get the monthly fee waived but the month had already been charged and it would just make the next one free. XXXX comes and Im charged a monthly fee again. I reach out and support tells me the same thing again. Now here we are in XXXX and Im being told the same information again. Ive asked for a supervisor and Im being told I need screenshots and that the fact I understand the policy and how I was supposed to get a free month both months so far I hadnt its always put off to the next month its a too bad for me situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent couple of letters to Transunion and XXXX to inform them that they are reporting fake information but I was ignored. I do not have these accounts in XXXX but only in XXXX and Transunion. So I hope it will work and my complain will be working because I do not want to have unknow accounts in my credit report. Thank you I am talking about these accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX