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

A contractor attempted to scam me using Zelle. I paid him ( in advance against my better judgment ) via ZELLE last week ( XX/XX/2023 ). He didn't show up on the day he was supposed to do the job and when he finally did show up today ( XX/XX/2023 ) he didn't have the skills and/or tools to complete the job. He apologized and said he said he'd refund most of the money back via Zelle. I got a text saying I needed to enroll in zelle first in order to receive the money he sent, but I obviously didn't need to enroll AGAIN since that's how I sent him the money in the first place. 
When I attempted to reach out today to Zelle 's fraud department, to see if the text I got was from Zelle, and if not, to report the scam ... .I found that there is literally no way to contact someone in person. The message just says to contact your bank if you don't have the app. And if you DO have the app, you're supposed to hold for someone to help you, but no one ever picks up and it goes in a loop nowhere .... I feel helpless and wish corporations didn't behave in this manner. I've literally tried all day to try to fix this issue with my bank. Zelle is nowhere to be found. I attached a screenshot from someone on XXXX with the same problem as I've been researching this issue all day and can find no help other than on XXXX. I had to the threaten to call the XXXX  XXXX liability and insurance department to file a claim in order to get him to pay me back via XXXX. As you can see from the screenshots, his name is different in XXXX vs. zelle. His phone number is XXXX
Product: Checking or savings account

On XX/XX/XXXX around XXXX XXXX. CST I deposited my wife 's paycheck into our USAA checking account via the mobile app as I've done for years. 

I've been a USAA customer for 10+ years and have never had a returned check. This was a pre-printed payroll check from my wife 's employer. We've deposited checks from this company for nearly a year now without issue. 

The paycheck was for {$800.00}. And right after depositing it, USAA informed me it was holding {$300.00} for eight days. ( Until XX/XX/XXXX XXXX. 

This is the second time USAA has held funds from a paycheck after 10 years of not having this issue. 

Upon contacting USAA, the bank informed me this was because I'd had a few overdraft fees, but those were paid within 24 hours. And again, I've never had a deposited check returned. Each one has gone through. 

There's no excuse to hold the funds like this when they've been instantly credited to my account for the last decade. I need those funds released to pay my rent since it's the end of the month. 

After many complaints with USAA and no action, I'm now forced to file an official complaint.
Product: Credit reporting

I have disputed this a few times with equaifax. They come back every time saying VERIFIED. Show me proof for once! I have called the courthouse and they said i do not have a recorded judgment and that equifax has NEVER called them ever. 

They are lieing. How can you let this happen. They must remove the judgment from XXXX they have XXXX file asap.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX chime in which is my bank from my understanding one of my family members or friends someone other than me to transferred two amounts {$500.00} and {$2300.00} of my money out of my bank account. I immediately contacted the bank they refused to stop payment. The reason I use banks is to keep my money safe not because I wasnt aware of not saving passwords to my devices until my phone got stolen I was not aware how to use the XXXX password saver correctly in which any one in our household or visiting could get my information and log into my account.
Product: Money transfer, virtual currency, or money service

I found a vehicle on XXXX on XX/XX/XXXX. I communicated thru XXXX with the seller ( XXXX XXXX ) and he contacted me the morning of XX/XX/XXXX. After communicating via email XXXX his email address is XXXX XXXX, I decided to purchase the vehicle, which was a XXXX XXXX XXXX. I viewed the XXXX  XXXX and the VIN and vehicle history checked out. According to XXXX XXXX, he was out of the country. The vehicle was his XXXX 's and he preferred to use a broker to finalize the sale. The money would be wired to them, they would hold the money until I received the vehicle, and after 7 days if nothing was wrong with the vehicle, the sale would be final. The purchase price included shipping to me in XXXX, SC. So, the afternoon of XX/XX/XXXX, I wired the money to the auto broker 's account with XXXX. I was in contact with XXXX XXXX, who was the sales manager with XXXX XXXX XXXX XXXX. He sent me a Bill of Sale, I signed it, and sent it back to him vie email. he then sent me wiring instructions, and I went to my XXXX XXXX branch and wired the funds to the XXXX account referenced in the wiring instructions. I was then in contact with XXXX XXXX thru XX/XX/XXXX. That was the last day I spoke to either party. I emailed and called them with no response. On Sunday, XX/XX/XXXX, I searched the sellers email address on XXXX and his email address was mentioned over 10 times, quoting the exact words to me in his email, but for different cars. The next morning I called XXXX, got in touch with a man by the name of XXXX in their Wire Fraud Department. I told him what happened, he froze the account and advised me to get XXXX to send him a Hold Harmless Letter so they could send the funds back and also he would send a SWIFT message to them to let them know what happened and that this was possibly a fraud attempt. I then went to see a banker in the XXXX XXXX branch of XXXX XXXX by the name of XXXX XXXX. He started a claim for me because it was an in-branch transaction. It is XX/XX/XXXX, and XXXX XXXX refuses to send XXXX the information they need to release the funds back to me. They claim they have tried 5 times to reverse the wire, but this has all come after XXXX froze the account. I have been advise to file a fraud claim with the FTC and to file a police report.
Product: Student loan

I'm trying to reach my loan servicer regarding my student loan but I can't seem to get through to them. I have emailed them through their portal and no one has responded to my email. I have tried calling them several times and the hold times are extremely long. Today I was on hold for a live agent for more than an hour and as the agent connected the only thing was able to provide the agent was the information to access my account, then the call disconnected. I tried to call back but the hold time were estimated at over 200 minutes. Before today, I used their call back feature only to have them call me back with no one on the line and the live chat has been down for weeks. I am not able to reach them at all.
Product: Debt collection

I have paid my debt off it has been over 45 days they took my payment and said my debt would be cleared off my credit and it has not. They didnt even send me an email of confirmation.
Product: Credit reporting or other personal consumer reports

After a review of my latest XXXX, Equifax and XXXX credit reports, I noticed that the following inquiries were submitted to my credit report without my permission : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax Mortgage Service XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I made a payment via Moneygram on XX/XX/2019 at the XXXX XXXX, GA location inside of Walmart to go to XXXX XXXX XXXX XXXX for the total amount of XXXX. The amount that was supposed to be paid to XXXX XXXX XXXX XXXX was XXXX. The payment was returned by Moneygram and we don't understand why. The amount was debited from our Debit card and I will attach proof of that showing it. XXXX XXXX stated that it was returned. I decided that before I dispute the transaction that I would file a complaint. I am not pleased with this issue and I want it resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to dispute with the car company XXXX and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. XXXX is reporting incorrect and mismatching data for all 3 credit agencies ( XXXX, Equifax, XXXX ). I've disputed multiple times with the agencies and with XXXX and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?
Product: Student loan

My bank bill pay stopped sending auto payments to my student loan company without my knowledge. I was unaware of this and was not contact by AES until after the payments were 60 days late. Once they called my I immediately issued payment, cleared up the issue with my bank autopay and continued making regular payments. I was then rejected for a home loan and car loan making it really difficult for me to care for my family. Upon learning from the mortgage company that I had a 60 day late payment from AES I took action. I explained my situation to AES and send them a letter requesting a Goodwill removal of the late payments. They immediately sent me a rejection letter. 
For 10 years I have paid on time and having student debt is a challenge for me and many others. To have a student loan company so quickly reject a goodwill request and harm me and my family is infuriating. 
AES 's new policy surrounding approved forbiddances covering and reversing any late payments should be illegal and is harmful to many. Please help me by looking into this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had orginally filed a dispute with Experian in early XX/XX/2021 and it still remains unresolved. I have received an update that they are still investigating the matter. How much longer are they allowed to hold back my credit score and complete the investigation? This is absolutely absurd and now they are causing great financial damage as I am attempting to buy a home. I do not want excuse I want a reply.
Product: Mortgage

The homeowner was approved for Maryland Homeowners Assistance Fund ( MDHAF ) assistance sufficient to cure the entire default with PHH Mortgage in XX/XX/2022. This payment was sent to them via certified mail and they signed for it, but they still have not found it. A copy of the HAF award letter is attached.
Product: Checking or savings account

Have tried many times since XX/XX/2022 to close and it has a XXXX balance and get this Dear Customer : On XX/XX/2022 you requested to close your deposit account ending in XXXX. We could not close your account as requested because of the following condition ( s ) : There is a pending deposit ( s ) in process.

All pending transactions must post to an account before it will be closed.

There is a pending withdrawal ( s ) in process.

All pending transactions must post to an account before it will be closed.

I call and call and call to the point where it is getting very nasty with the WF folks saying it will close in a couple of days-My last time was today : Dear Customer : On XX/XX/2022 you requested to close your deposit account ending in XXXX. We could not close your account as requested because of the following condition ( s ).

We have received a transaction ( s ) that requires additional research, which may take one to several business days to resolve.

After the above condition ( s ) have been resolved, please contact us again to proceed with account closing. You may need to work with your banker to resolve some of these issues.

If your banker has already assisted you in addressing these conditions and has confirmed that your account is closed, you may disregard this notice.
Product: Debt collection

UCSB American is ( collection name ). I applied credit card citi bank on XXXX first 2020 I got denied. 
. I didnt know UCSB XXXX reported negative bills on XXXX XXXX to credit Bureau. I called collection that what is going on : A, been told that the debt has been 10years old and was this debt on desk that long. 
B, I feel violated my right that I didnt received 30 days writing notice while shelter in place and by the way I was self-isolated too C, I feel harassed because on the phone with UCSB on XX/XX/220 been told Good luck With big Laugh I called XXXX been told this is 10 years old account with XXXX balance. 
So why this agency harassing me and not fair to me also why now while shelter in place and struggling people with jobs and lost with loving ones, this not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I am XXXX XXXX XXXX XXXX, and I am personally submitting this complaint with no third party involved. I have attached letters providing detailed information about what is being reported on my credit report. I have never had a contractual relationship with Jefferson Capital Systems LLC, and I believe that XXXX XXXX, the original creditor, sold my account without proper notification. This is a clear violation of FCRA 611 concerning inaccurate reporting on my credit report. Please delete this account immediately due to the
Product: Money transfer, virtual currency, or money service

I made an international bank transfer from my XXXX bank ( XXXX XXXX ) to Coinbase Inc ( XXXX company ) for the sum of XXXX Euros on Sunday XXXX XXXX XXXX. My bank released the funds on XXXX XXXX ( due to the holidays ) and Coinbase should have credited my account within 24-48 hours. I have still not received this transfer and I contacted Coinbase support team ( online ) on Thursday XXXX XXXX XXXX and on XXXX XXXX XXXX to raise this issue but they have not responded at all to my requests. Their telephone support system was also not accessible. They did however gave me a case reference number # XXXX. 
If you can help to sort this matter out I would be very grateful. 
Many thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit BureausXXXXXXXX XXXX XXXX to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I'm including it again. 
XXXX XXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX XXXX : {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$760.00} USDOEXXXX   XXXX {$7000.00} XXXX  XXXX {$37000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below 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 or other personal consumer reports

MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. 1. US DEPT ED XXXX XXXX. US DEPT XXXX 3. US DEPT XXXX, 4. US DEPT ED XXXX XXXX. XXXX XXXX XXXX XXXX. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX  XXXX XXXX XXXX, IL XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLOWING ACCOUNTS NEED TO BE REMOVED MUTUAL CR XXXX XXXX US DEPT ED XXXX.
Product: Credit reporting or other personal consumer reports

As is my consumer right to do so, I hereby compel you to maintain ONLY PERFECTLY veracious, VALIDATED, and testimonially appropriately made known claims, particularly allegations of delinquencies and/or derogatory information in any routine whatsoever! 

Being my RIGHT, I DEMAND that you IMMEDIATELY DELETE and forever block the misreported misinformation as indicated in the recorded item below : CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IMMEDIATELY return to or adhere to COMPLIANT and valid lawful reporting by the entire and permanent removal of the claim ( s ) displayed above, as the reporting ( s ) do not adequately meet the minimal criteria for lawful exact reporting.
Product: Bank account or service

XXXX XXXX XXXX at Bankof America Corporate OFFICE Headquarters Bankof America XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX about i hadandaccountwiththeBank Account Number XXXX and Rrouting XXXX the Bank phone numberis XXXX XXXX XXXX theysaidtheBankaccountwasand XXXX XXXX XXXX XXXX/XXXXtosendbyXXXXonly {$75.00}, torecivers XXXX XXXX XXXX XXXXshesaidtheyhadDeposit XXXX} and i couldstartwithdraw XXXX/XXXX/15 i talk to bank of america atmyhomeandtheysaid i do not haveaccountwiththem andthatthis a scamtheyemai XXXXXXXXXXXX
Product: Checking or savings account

Wells Fargo knowingly and intentionally engages in civil and criminal violations with respect to the mismanagement of my account and assets. 
XXXX. ) Wells Fargo knowingly and intentionally, in bad faith, blocked my ability to dispute transactions online which would provide a paper trail of the dispute. 
XXXX. ) Wells Fargo knowingly and intentionally destroyed, subverted, or conceals disputes because of some type of criminal alliance it has with with one or more branch via federal government itself and/or one or more private parties/entities. 
XXXX. ) XXXX XX/XX/year>, as a result of the foregoing, I was forced to incur the costs of mailing a written complaint to Wells Fargo regarding the criminal and civil misconduct occurring on the XXXX XXXX as provisioned for Visible.com for which I paid a monthly premium. 
XXXX. ) This is the second time disputing separate matters with Visible.com neither of which has been investigated by Wells Fargo but rather Wells Faro misrepresented the heart of the matter to one or more government agencies which is both a civil and criminal offense. 
XXXX. ) The facts show that the CFPB itself is involved directly with this civil-criminal misconduct. 
XXXX. ) See the attached with respect to the foregoing. 

Regards, XXXX XXXX XXXX