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

On XX/XX/XXXX I went to Wells Fargo to cash in some EE-bonds I had received as gifts from family/relatives from around the time I was born. The redemption of the bonds went well, I received the full amount the following day on XX/XX/XXXX. 

No less than four days later on XX/XX/XXXX, I received two emails stating that my Savings and Checking accounts were being closed due to the " one or more checks deposited to or cashed against your account suspected to be altered ''. Clearly this is not the case since the bonds were accepted by Wells Fargo, cleared, then deposited into my savings account. 

Immediately I called the Wells Fargo Help line and got through to account support, the gentleman was able to put me through to Loss Prevention. Loss Prevention wouldnt tell me anything about why my account was closing other than a detection of fraud. She also refused to speak to me when I asked my father a question since he was right next to me. She then berated my father and I, because " She can only talk to the account holder '' even though she had my consent to talk to him as well. She then hung up on me when I was asking my last question. 

The following day on XX/XX/XXXX I went to my local Wells Fargo Branch and I spoke with a personal banker about the issue. He ended up calling their corporate hotline, I did not know who he was talking to but I suspect it was someone from loss prevention. This corporate person had stated to the personal banker, whom then stated to me that : 1. ) The names on the EE-bonds were made out to another person with the same name and social security number as myself. though this person is marked as deceased. This confused me, because that should be impossible. I know for certain that my identity has not been stolen because my credit reports do not indicate anything of the like. 

2. ) I was then told I would need to get a letter with a signature and an explanation that the bonds were a gift at birth. These letters would then need to be notarized. The problem with that is that some of the people who gifted the bonds are now deceased and would be impossible to get such a signature. 

In an attempt to begin to rectify the situation, on XX/XX/XXXX, I scheduled an appointment with the local Social Security Administration Office. An Appointment was made for XX/XX/XXXX at XXXX. 

The S.S.A. Clerk was helpful. She confirmed that I was, in fact, not deceased. She was able to get me a letterhead stating that I was not deceased. I thought that would be enough to release my savings/checking accounts. So at XXXX on the XX/XX/XXXX, I went back to the local Wells Fargo branch and spoke with another personal banker. This other banker called corporate and received the same information as provided in bullet number 2 listed above : to get a letter declaring the bonds as gifts and getting the letter notarized. 

at XXXX on XX/XX/XXXX, I spoke with a supervisor regarding the issue. The supervisor was not made aware of the situation on XX/XX/XXXX, but was then filled in on it by me. I was then not help and pushed to a personal banker as a form of deflection. 

The situation is not resolved at this point.
Product: Checking or savings account

Account Details Account Holder : XXXX XXXX XXXX Address : XXXX XXXX  XXXX, XXXX, DE XXXX Account Number : XXXX Account Type : Checking Account Bank : Mercury.com In Cooperation With : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to formally address a serious issue regarding the closure of the above-referenced account on XX/XX/year>2024. Despite the account being closed, the funds have not been transferred or returned to us as promised. 

To date, I have opened two support tickets ( XXXX and XXXX ) to resolve this matter. However, I have received NO response. Additionally, I have sent three follow-up emails, all of which remain unanswered. 

This lack of communication and failure to release our funds is unacceptable and is causing significant inconvenience to our business operations. I have requested an immediate update on the status of our funds, along with clear instructions on how to expedite the resolution of this matter but the bank has not responded at all.
Product: Mortgage

This is a very complicated issue, I am attaching the info. Basically ignoring my letter for explanation, emails. Also will not answer emails just wants me to sign paperwork and send back. I am still paying the monthly amount of {$350.00} until this is resolved.
Product: Credit card or prepaid card

Lvnv Funding XXXX claimed they took over my debt from XXXX XXXX credit card. Multiple times I have been called and I asked for the. To send me proof of bill. If I owe I would make pmt arrangements. I never received anything. Today my house member called me and stated I got served. It is {$820.00}. I do not want yo have to go to court. I just want proof!!
Product: Credit reporting or other personal consumer reports

In XXXX I filed a complaint to discover bank regarding the 30 day late they reporting to the 3 major credit bureaus XXXX XXXX and XXXX. The 30 day late was due to my credit card being stolen and used fraudulently. Discover bank disputed the fraudulent charges and reimbursed me those funds since they verified that they were fraudulent inquires. Discover bank still has not removed the inaccurate 30 day late they reporting to the credit bureaus in XXXX which were a direct result of those fraudulent inquires. Please contact discover bank and finish the investigation and remove that fraudulent 30 day late they are reporting to XXXX XXXX and XXXX. That is due to the fraud transactions and I should not be held responsible. If this issue is not resolved I feel obligated to pursue this with legal action. Discover investigation team please make sure to respond to me with results and don't close this complaint I am submitting without give me results and saying you are working on it because discover bank is not helping me and the costumer support they offered me was horrific and I will contact the XXXX as well. 


Discover Bank reported a 30 day late payment to the 3 major credit bureaus XXXX XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my discover card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been discharged a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and discover should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. Discover failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against discover in the small courts claim where I have all proof to show discover is breaking FCRA laws. I have been with discover since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Product: Mortgage

I received additional interest amount accrued by BofA as well as a penalty of {$450.00} for early closing which I believe at the time of my application I was told that there was no penalty for early payoff. I have a Preferred Status account with BofA that enables me many free services, such as wire transfers, low rates on all types of loans, rewards points etc. I borrowed $ XXXX last year on XX/XX/XXXX and signed up with with BofA to make payments directly from my account each month on XX/XX/XXXX. Exactly a year later on XX/XX/XXXX I visited BofA and asked for payoff information. The representative made a call to inquire from the HELOC Division but was unable to get someone to answer, so I was given the HELOC telephone number to call and get the payoff amount myself. I thus made a {$10000.00} payment towards my balance and told BofA that I will bring the remaining due the next day. Following day after I was told the remaining payoff balance due was down to {$9700.00}, I went back to the bank and paid it off. Then few weeks later BofA sent me another bill for additional interest due. I am disputing the practices of BofA for gauging their clients with fees and charges that they create, as well as mistreatment by telling me that my loan was paid off and balance was XXXX, and later billing me with new accrued interest please. For a {$20000.00} HELOC I paid over {$1600.00} in interest from XX/XX/XXXX to XX/XX/XXXX and now BofA wants to charge me additional interest and penalty amounting to over {$700.00}. Thanks
Product: Credit card or prepaid card

I opened the XXXX membership account and the XXXX representative talked me into applying for a XXXX XXXX Citi XXXX card. A few months ago. I purchased {$190.00} worth of groceries at XXXX. As soon as I got the bill from Citi, I wrote a check for the entire balance ( {$190.00} ) placed it along with the bill stub in the return envelope and send it off to CITI. About a week later I started getting notifications from CITI saying that my due date was coming up and that I better pay my bill. It confused me because I remember sending them a check. I looked at my records and sure enough I had sent them a check. I got on their website, and it said I had one more day to pay my bill. The website showed my balance as being {$190.00}. I figured the bill and check must have gotten lost in the mail or something. I waited until the day before my bill was due, and still the balance was at {$190.00}, So I figured I'd better make a bank transfer so I didn't jeopardize my credit. I set up a bank transfer with my personal checking account and transferred {$190.00} into my Citibank account. So my bill would get paid on time. Then the next day I get a notification saying that my check had cleared and I have {$190.00} credit on my account! I called citi and explained that I had paid twice, once by check, and once by bank transfer, because Citibank kept sending me daily notifications that I had to pay my bill! The customer service agent said there was nothing they could do except request a refund. I said I wanted them to refund the {$190.00} back into my personal checking account where it came from immediately. They said there was nothing they could do for at least 14 to 28 days. I said it wasn't acceptable to hold my money for two weeks to a month and that they needed to refund it sooner. They said too bad there's nothing we can do. I feel citi is running a scam operation trying to get people to pay twice. I have an excellent credit score and pay all my bills on time. What CITI bank is doing is unacceptable. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I canceled my XXXX account due to multiple inaccurate charges reappearing on my statement. I have contacted their company several times to correct the bill for overage charges dating back to XX/XX/2017.The final balance was {$500.00}. I have spoken with a variety of XXXX representatives, escalation department members, as well as supervisors within the XXXX customer care team. Notations were placed on my account about the errors. I also received what they called " interaction IDs '' that prove my calls, complaints, and " solutions '' in regards to my account, they are as followed : XXXX, XXXX, and XXXX. The account was paid, but somehow was sent into collections when it should have never been sold. XXXX had no right to sell my account!
Product: Credit reporting or other personal consumer reports

Complaint Details : I am filing this formal complaint against Experian for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692c ( c ). Despite sending a formal cease and desist letter on [ Insert Date ], Experian or their associated agents have continued unauthorized communications and collection activities related to an alleged debt. 

The specific details are as follows : Account name 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 These actions constitute harassment and a violation of my federally protected rights. Case law such as XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), affirms the consumers right to request cessation of communication. Experians failure to honor my demand not only disregards my legal rights but has also caused significant distress, including emotional harm and damage to my financial well-being. 

Specific Issues : Continued communication despite a formal cease and desist notice. 

Failure to respect my rights under the FDCPA. 

Harassment through unauthorized collection attempts. 

Impact on Me : These ongoing violations have caused : Emotional distress and mental anguish. 

Reputational damage, as I have had to repeatedly explain this situation to creditors and others. 

Financial harm, as their actions may have adversely affected my credit report or score.
Product: Credit reporting or other personal consumer reports

Excessive illegal junk fees for services not rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against all XXXX credit bureau for on authorize inquiries and wrong Social Security number that is reported on my credit my last # XXXX they have reported # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance : {$370.00} XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Checking or savings account

usaa retallatated when it stop mre from print copys of my checks this ocured when i file my proir claim whem i printed check to send to as proof of usaa wrong during, retallation was i filed the compliant,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a dispute to a creditor named XXXX about an incorrect, inaccurate reporting on my credit report. I submitted the complaint to the address reporting on my credit report this letter was sent certified return receipt requested so that i can keep a track of when the creditor received my dispute. I continuously monitored the tracking of this dispute, and as of the time of this dispute according to the United States Postal Service tracking service my dispute is still in transit. On XX/XX/2019 I received my dispute letter returned to me as " return to sender, no such number, unable to forward ''. I then sent a dispute letter to Equifax on XX/XX/2019 stating that since the creditor has provided false information to them about me and provided a false address i am requesting this item be removed immediately. I never received a response from the creditor about my dispute ; however I received a copy of my Equifax credit report with result comments of " the following fields have been modified '' still showing the incorrect address and incorrect, inaccurate reporting data. i am not sure how they were able to update my credit report given the creditor is reporting an inaccurate address and they also failed to mark my account as disputed within the given 30 days.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I got scam by a man who called himself XXXX XXXX. He ordered me to do wire transfers to different bank accounts. I have made multiple domestic wire transfers and cashier checks. Started from XX/XX/2020, to XX/XX/2020. When I realized it was a scam, I called chase bank to let them know, so they could try to reverse the money, but they keep on telling me to send them information that I did not even have at the time. And that was how I lost thousands of dollars. Some of the money was coming from the Illinois Department of Employment Security, which I asked XXXX to send me proof of where the money was coming from but, he lied and lied said that he had an investment with the government that was why IDES sent him money. The total amount of money I received from IDES was around $ XXXX. He told me to send $ XXXX to XXXX XXXX XXXX, $ XXXX to XXXX XXXX, $ XXXX to XXXX XXXX XXXX, and $ XXXX and to XXXX XXXX. From my kids ' savings was {$12.00} to XXXX XXXX XXXX, $ XXXX from my chase credit card, another $ XXXX from my salary plus payday loans and personal loans. I explained things to chase customer service, and they have done nothing about it. They just keep the rest of the money I had on the account and closed them.
Product: Money transfer, virtual currency, or money service

First we got call from named XXXX XXXX my wife have some amount in her XXXX account which she has invest XXXX in XXXX which almost XXXX USD right now.We explained him we got no knowledge about crypto and he told us that he will help to withdraw that money, he told us to download XXXX & XXXX XXXX after that he told me to transfer fund to release above amount which I did, After that blockchain got involved they keep forcing us to make payment to release our fund they told us that amount is getting bigger same story to release fund we need to cash flow/liquidity transfer/mirror transactions etc they took our nearly total XXXX but still blockchain are sending us email saying we have above XXXX in blockchain wallet and forcing us to pay them another XXXX to release that above amount. At the end I think we got scammed. Please help us. 
Thank you very much.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to address a matter concerning my account with XXXX XXXX XXXX , Account Number XXXX, which is currently being inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports.

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. 

Given this definition, I am requesting that XXXX XXXX XXXX take immediate action regarding the reported account. Specifically, I urge you to update the status of Account Number XXXX to reflect that it has been paid in full. 

The account in question was opened on XX/XX/2023, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. 

I trust that XXXX XXXX XXXX will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.