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

Re : Bank and XXXX XXXX in Me-To-Me Scams. 
On XX/XX/2022 I received a security text from Wells Fargo XXXX ( XXXX ), informing me that there had been unauthorized card and 'XXXX  XXXX transactions. I checked my bank account and found unauthorized credit card transactions, so I responded " YES '' to the text. I then received a call from " XXXX XXXX, Agent ID : XXXX '' who informed me that my debit card had been compromised, and in addition, {$2000.00} had been sent via XXXX to a XXXX XXXX XXXX. He put a pause on my debit card, and had me 'reverse ' the XXXX transactions by sending money to my own zelle account linked to my phone number. I received confirmations of this via XXXX XXXX texts. 

However, I quickly became suspicious when his story became inconsistent and immediately called another Wells Fargo number listed on the website and spoke with an agent to verify what had happened. I read the phone numbers that had texted me and called me directly to the agent ; she informed me these were legitimate Wells Fargo phone numbers, and that XXXXspecial ' agents like XXXX XXXX had their own way of resolving things, and it should be fine. 

When no money had appeared in my account by XX/XX/XXXX, I called Wells Fargo again. They told there was no such thing as 'reverse ' transactions and had been sent outbound to XXXX XXXX Furthermore, they told me that legitimate Wells Fargo phone numbers were regularly spoofed, and that anyone could call from them. I filed a formal complaint with the bank to try to get the {$2000.00} XXXX transaction reversed and a short time later, this request was denied. On XX/XX/XXXX, I escalated this to a Wells Fargo consumer advocate, who filed a report with the executive office. I received confirmation of this filing. On the XXXX, the Executive Office responded, informing me that all XXXX transactions were irreversible, including those that were fraudulent and criminal, and it was my fault for failing to verify the recipient, despite the fact a bank employee had verified to me that this transaction was legitimate. 

Next, I attempted to file an official report with XXXX : XXXX required a 12 digit transaction ID to report a fraudulent transaction and their website informed me that " I could acquire this number from my bank ''. I ended up speaking with multiple escalating levels of representative, only for them to tell me that there are no such things as 12 digit transaction IDs. In conclusion, Wells Fargo enabled scammers to steal {$2000.00} from me, and made reporting all-but impossible
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately 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

Company continues to make calls to my cell phone more than two three times a day. When you communicate with this agency they do not give the mini Miranda 's at all they proposed to be illegal office of attorneys and then they go to a realm of using profanity and threats of violence with continuous back-to-back phone calls I what they going to do. On a fourth interaction they have another representative call you from a different number proposing to squash all threats of violence in commence on apologetic sitting. The threats of violence. So immense there a police report had to be XXXX in order to protect the safety. The police officer also witness the agents threatening and cursing XXXX and failing to disclose what company they represent where they are located for a cease and desist and providing all adequate information. The phone calls continued even after filing XXXX threat with the XXXX Police department and the agents said that they don't care and not to mention they continue to curse and I have voice recorded messages of what they're intimidation consist of in general.
Product: Student loan

I am almost 3 months behind on the private student loans that I have kept in good standing with through interest-only payments and the payment amount was recently going up because I completed the recent 6-month program. When this happened I recently was able to get into my own housing because I was living with my parents for the past 4 years and was able to afford these payments. Since my expenses went up I was unable to afford the payments I was currently making and asked if there were any other programs to help me keep my loans current and there weren't. They kept telling me to call back later to see if anything changed and every time I called there wasn't in between these times my mom ( co-signer ) and I would get at least XXXX calls a day each because it was delinquent. Now it is about to go the collection agency and I called again and still, there is nothing they can do. I spoke with supervisor XXXX XXXX of Navient to complain about a call earlier that was made to my mom and come to find out it was he who spoke to her and was demanding her to pay and make some type of arrangement and that it was her responsibility since I was not cooperating which is not true. Every time I made a financial report with the representative my disposable income is only about {$160.00} and they are wanting me to make $ XXXX  monthly payments at the least which I obviously can not afford. When I spoke to the supervisor XXXX, he immediately had an attitude and was in defense and I had to hang up because he was very argumentative. I also had reported having her number taken off of the auto-dialer alleviate the number of calls she was getting. I told him I was trying to work with them and he basically said they can not go any lower and that was it. If it wasn't for my mother as a co-signer I would let these loans go delinquent She is on social security and can not afford to help me financially.
Product: Checking or savings account

For weeks I have been calling TD bank regarding the disbursement of an offer. I have met the requirements and every time I call they say they are still waiting and that an email was sent. The negligence of this company is extreme. I have been calling all day and they cant provide a proof of our conversation.
Product: Checking or savings account

I am a college student and a loyal customer of Chase, holding one checking account and two credit cards. Recently, my mobile number was unexpectedly removed from the Chase mobile app, which led me to suspect unauthorized access to my account. Shortly after, on XX/XX/year>, I was notified that my checking account had been closed by Chase as a final decision, although my credit card accounts remain unaffected. 

Despite the closure, I have been unable to access my online banking to manage my credit cards, whether to make payments or use my rewards points. This has significantly disrupted my ability to pay my rent for XXXX, creating undue stress and financial uncertainty. As a student, my financial resources are already stretched thin, and the inability to access my own funds or use my credit cards for essential payments has compounded my difficulties, affecting not just my housing stability but also my ability to manage day-to-day expenses. 

On the day of the account closure, I contacted Chase three times, only to be informed that my online account would remain locked until the fraud department concluded its investigation. My funds have been frozen, and despite my inquiries, I received conflicting information regarding when I could expect access to my funds : first, I was told a check would be mailed to me within XXXX days, and by the third call, this timeline had extended to XXXX weeks. Furthermore, Chase has refused to provide any explanation for the account closure or discuss the decision 's finality. 

For context, here are my recent activities : XXXX : From XX/XX/XXXX to XXXX, I traveled to XXXX XXXX XXXX during XXXX XXXX, using the Splitwise app for shared expenses, for example I paid a XXXX people meal in restaurant ( because apparently they couldn't split that amount of cards ) with my Apple Card and they zelle me back, I will provide the transaction screenshot like this. By the way, there are people who owe me money still. My credit card transactions ending in XXXX can verify this travel. 
XXXX : I made two transfers from robinhood selling the stocks : one for {$980.00} and another for {$960.00}. 
XXXX : I received a {$10000.00} wire transfer from my mom to cover rent and daily expenses on XX/XX/XXXX. 
XXXX : During trip, I received a call from a debt collection agency demanding repayment about {$230.00}. However, I had already settled this debt last year, and the collection account has long been marked as " closed ''. Despite this, they insisted that I upload proof of payment, which I chose to ignore, given the account 's status.
Product: Credit card or prepaid card

CAPITALONE AND XXXX ARE INCOLLUSION WITH VIOLATING DODD FRANK ACT TITLE X AND FCRA 15 U.S.C. Section 1681g.
Product: Credit reporting or other personal consumer reports

Late payments Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. 

XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX Late payment XX/XX/year> XXXXXXXX XXXX  XXXX XXXX Late payment XX/XX/year> XXXX XXXX Late payment XX/XX/year> The previous account has been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017 there was unauthorized activity on my paypal account. There were two attempted transactions to XXXX XXXX  with email address of XXXX. The initial transaction of XXXX was completed while the second was tagged as fraud and I was notified via email. I immediately called in within seconds of receiving this notification and informed paypal this indeed was not authorized and proceeded to change my login credentials while on the phone with their agent. They informed me they would put in a case for this transaction and the funds should be returned. Why one transaction was allowed and the second was tagged as fraud the agent was unable to explain. However, the fact is paypal recognized one of the transactions to this person as fraudulent automatically. So It came as a shock on XXXX XXXX, when I received notification from paypal stating We have reviewed this transaction ( s ) and are denying your claim ( s ). This decision was made because this transaction was not unauthorized. How they came to this decision is beyond me. I called in within seconds of being alerted of the transaction and identified it as fraudulent and paypal halted a second transaction to this same person, finding it fraudulent.
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Furthermore paypal also states You also previously appealed this case and it was denied. The appealed case ID is XXXX. However, I never appealed the case, I only reported it once and was waiting for their investigation to complete. This is the first and only news I 've received from paypal regarding this.
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I am attaching the two emails I received. First the one notifying me I had appealed the case previously. Then the email notifying me of the results of the initial investigation afterwards. How could i have appealed the decision prior to even receiving the results of the initial investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, Experian in regards to unauthorized, inaccurate, and unverifiable information, inquiries and accounts on my report. They refused to assist me in the accurate investigation of these cases when I filed disputes with them, some they wouldn't help me dispute at all. In accordance with the fair credit Reporting Act XXXX, XXXX, and Experian have 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 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C, Accounts : XXXX XXXX XXXX Texas, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX. also several inquiries from XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent information. It has not been removed and the consumer reporting agency is in direct violation of FCRA 605 CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent. 
The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agency immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless
Product: Credit card or prepaid card

I tried to close my Bank of America account on XX/XX/2023 but the Rep after thanking me for paying the account off, told me if I waited until the XXXX I would get additional rewards, therefore I did. When I called on the XXXX of XXXX I was told I owed {$26.00}. Paid off on the XXXX, but now I owed {$26.00} on the XXXX. No explanation and they would not remove them. They did pay the {$26.00} with my reward money and said they would immediately send the remaining rewards. Nearly XXXX months later and I have yet to receive them. It's been national news that Bank of America has been notorious for not paying rewards to their patrons. I've paid my credit card off, they've offered rewards and I feel I am entitled to the rewards they offered. I did send them a letter mid XXXX asking for this to happen again and never heard from them again. I can never get through on the phone. Any help is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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: Credit reporting

I was in a XXXXin a XXXX when this accured. This is over 7 years old. Please send me more info on this. My sister had all my credit cards when i was in the hospital at XXXX XXXX XXXXXXXX, XXXX am disputing it Because I dont know anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following fraudulent and unauthorized credit card dont belong to me because this account was lost/stolen and all of the charges/transactions are fraudulent and unauthorized, and dont belong to me : XXXX XXXX XXXX XXXX  XXXX.
Product: Debt collection

The collection agency The Receivable Management appears on credit report. XXXX, XXXX and XXXX. I have tried contacting the number listed on the report as provided by XXXX but have never been able to get through to an agent. The balance of {$250.00} is not owed. The original creditor, XXXX, was provided payment XX/XX/. This creditor should not be listed on my reports as owing a balance, as I have had no communication with them and no information received in regards to amount owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a security freeze on my Equifax account yesterday, due to the data breach. They charged me {$10.00}, and tried to get me to sign up for their protection program ( where I would lose class action status. ). I told them I only wanted the ability to freeze my credit for free. I spoke to two different managers ( including a XXXX. XXXX  who refused to provide a first name and phone number. ). No one would help - they forced me to pay {$10.00} for something they should be offering for free. Profits before protection, apparently ....
Product: Debt collection

After another failed attempt of tryin to get this debt validated with Penn Credit, my credit is heavily impacted by the erroneous information they are publishing. In a previous complaint with Penn Credit, I was given contact information for XXXX XXXX I've contacted this person several times as its stated in the company reply and I've yet to hear back from him. Because this company has completely failed to communicate with me and validate said debt, this debt needs to be removed from my credit report immediately. As stated in my original complaint, I have the right to request debt validation in which I asked for and still don't have. The company has been given ample amount of time to provide me with the requested information and has yet to do so. Due to the lack of communication and unwillingness to cooperate, I've contacted the original creditor in hopes of getting this resolved. Not only is Penn Credit reporting information that they have not validated, they are reporting inaccurate information. The law says during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against this company and the credit bureau responsible for reporting this violation. I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.