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

I am writing to express my deep frustration and formally file a complaint regarding an international wire transfer issue that has caused me significant financial and personal distress. I have encountered unreasonable delays and a lack of cooperation from both XXXX XXXX  and Bank of America throughout this process. Below are the detailed circumstances of the matter : 1. Transaction details : Sender : XXXX XXXX ( Myself ) Sending Bank : XXXXXXXX XXXX  Intermediate Bank : Bank of America Recipient : XXXX XXXX XXXX  : XXXX XXXX XXXXXXXX, XXXX Transfer Date : XX/XX/year>XXXX  Amount : XXXX USD 2. Problem Description : Despite initiating this transfer on XX/XX/year>, my friend XXXX has not received the funds for over a year. I repeatedly contacted both PNC Bank and XXXX  XXXX XXXX to investigate the issue, but neither institution provided clear or helpful responses. XXXX XXXX  informed me only after prolonged inquiries that the funds were held by an intermediate bankBank of Americadue to a suspicion of potential involvement in XXXX activities by the recipient, XXXX. 

3. XXXX License Requirement and Lack of Assistance : Upon learning about the hold, XXXX XXXX  instructed me to apply for an XXXX license to release the funds. However, XXXX XXXX  XXXX Sanctions Team and Retail Support Group have been uncooperative, continuously passing responsibility without providing any meaningful support. For a long time, I was unable to even contact Bank of America to understand the issue, which delayed my ability to apply for the XXXX license. After persistent efforts, I finally received some updates from XXXX XXXX, but the prolonged delay has resulted in serious personal consequences. 

4. Legal and Personal Impact : My friend XXXX, believing I misappropriated the money, has initiated legal action against me in XXXX. I now find myself in an untenable situation, having to defend my innocence in court. This matter has caused me significant emotional distress, and I am now seeking immediate cooperation from both XXXX XXXX  and Bank of America to resolve it. 

I am prepared to provide any additional documentation, including transfer details, communication records with XXXX XXXX, and recordings of past conversations. I have exhausted every available avenue to resolve this matter, but the lack of cooperation between the involved banks has left me feeling helpless. 

I kindly request that you treat this matter with the utmost urgency, as the ongoing legal dispute and financial loss continue to cause severe hardship. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and swift resolution. 

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

Several accounts on my credit, or being reported due to fraudulent activity with my identity being stolen. This was reported to the companies so was the accounts. I was told by the company that they completed their investigation and the account was verified. but It cant be verified if Ive never signed it and they have not provided the original signed contract. The account number is XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract -for any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.
Product: Debt collection

Good afternoon. 

My Auto account number ending XXXX My XXXX XXXX  was repossessed on XX/XX/XXXX. I gave my Fiance permission to pay off the account settlement balance of {$9800.00} so that we could retain the vehicle back. The payment was wire transferred over as directed by Capital One on XX/XX/XXXX where it got stuck in compliance review for XXXX business days, leaving us without a car for XXXX weeks. We called nearly every day to see if our payment had been processed so we could get our vehicle back. The car has already been sent to auction on XX/XX/XXXX, we have hired a lawyer to represent us in this action that they moved the vehicle before a resolution was made on our issue. 

As stated, Capital One XXXX failed to process our payment as agreed within a timely manner and has caused severe damages which included loss of funds {$9800.00} for XXXX business days, as well as loss of transportation for XXXX weeks with no vehicle. And now the vehicle is up for auction without the company responding to our resolution request with our XXXX. This is poor customer and consumer care, as I have made several attempts to fix my mistake of my car being repossessed and should have had it back on XX/XX/XXXX as agreed. I was told payment would take 2-4 hours to process, which somehow turned into 21 days and we had to have our bank ( XXXX ) reverse the wire and retrieve it back since Capital one was refusing to have the payment processed through their third party wire transfer, which we were directed directly from Capital One to send the wire transfer through that XXXX party ( XXXX  XXXX  XXXX  ) . that 3rd party reported to my bank that Capital One never authorized this wire transfer for the account and could not process it on their end. Funds were then reversed XXXX business days after the fact. 

Capital one has done nothing at all in attempts to make this situation right and in fact have been very difficult to work with during this entire process. They have made obtaining my vehicle back after repossession completely impossible. I am under suspicion that they have done this on purpose in a ways to sell my car and sue me for the remaining balance when I have proof that payment was sent to them on XX/XX/XXXX to close the account out on a settlement to get the car back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has my credit file locked. I am trying to get my credit file un locked. Trans Union provides instruction through its service XXXX XXXX on how to do that. They provided a website that tells me I can cancel my true identity account which will unlock my credit file on line. A web link is provided in there service agreement which states that by going to the page I can select the link and cancel at anytime however when you navigate to the link provided there is no way to cancel the true identity account. The link is XXXX XXXX XXXX XXXX There is a phone number provided XXXX however it does not offer anyway to cancel, or get to a person. There is a prompt that tells you to select if you want to unlock your account but when it is selected the call disconnects and I am hung up on every time.
Product: Credit reporting or other personal consumer reports

I checked my credit report and was rather disappointed with how these inaccurate accounts are still on my credit report. I have no idea why these inaccurate accounts are reporting on mine so please do check the documents I've sent.
Product: Checking or savings account

Previously I filed complaints against XXXX XXXX and Bank of America on XX/XX/18. There was a filibuster between the two institutions and {$400.00} of my funds were placed on hold and there was the threat I would never receive them back at no faul of mine. There was a transaction error between the two banking institutions, XXXX  called from XXXX and got BOA on the phone and a verbal approval was given to release the funds to me. This morning BOA closed the dispute file with an adverse action action me. 

This Morning XXXX XXXX from called to collect the money back and said she was a debt collector. I told her I was recording the call. The problem had been fixed and I had my {$40000.00} back. 

Today when I called XXXX to fix the adverse statements against me he said he wanted to pull public records to fix the inaccuracies. Then he told me he could help me. 

Bank of America is a MESS, They don't know what they are doing and their polices and procedure are made up on the spot and adverse to consumers. They are out of order someone truly needs to get in their and find out what's going on. I spend 8 to 10 hours working out problems they unfairly create and this has been a hardship on me. I'm a senior collection XXXX XXXX. XXXX and XXXX, I would like to have my financial records were ever they are to be accurately reported, Thank you!
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that credit bureau will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate. XXXX XXXX XXXX member id XXXX Loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is only for Experian credit bureau. XXXX and XXXX have continued to report accurately. In XXXX Experian stopped updating payment information for my XXXX XXXX personal loan. I opened a dispute on XX/XX/XXXX notifying them that although I was on payment assistance due to losing my job during the pandemic I was still making payments and they weren't being reported. They investigated and updated my payment information/history however they permanently removed and the " original loan balance which changed my " percentage of loan paid off '' to " XXXX '', decreased my XXXXredit score by 24 points, and made the loan appear as though it wasn't being paid off and there was no progress. I submitted 4 more disputes and uploaded images/supporting documents showing my credit report the day before they updated my report and the day after with the only change being the original loan balance removed/missing dispute dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The original loan balance is {$18000.00}. By XX/XX/XXXX my loan was 45 % paid off and reporting as such on XXXX  and XXXX however Experian although reporting the correct balance still showed 0 % paid off. I called the dispute department who told me that I needed to subscribe to their premium service so that they could access my report and help me further, so I did. They then told me that they could only give me possible reasons why my score dropped ( again only on Experian ) and couldn't help me further. XX/XX/XXXX my Experian credit report was updated and my score decreased by another 25 points with the only change being 1 payment made in the amount of {$35.00} to a credit card bringing the balance to {$0.00}. NO other changes. I've opened a 5th dispute today and after speaking with another Experian dispute specialist was told that they couldn't help me and that I needed to speak with a credit repair analyst to get more specific information. Just to be clear, I've disputed this information with XXXX XXXX directly who replied stating that they are reporting all information to Experian. In addition, my XXXX and XXXX credit scores are 50+ points higher reporting the same accounts and same information other than this " original loan balance '' that Experian refuses to include/update/re-enter.
Product: Credit card or prepaid card

IamtryingtodoaabalancetransferfromCapitalOnetoXXXXXXXXXXXXXXXX.XXXXXXXXsendsoutphysicalchecksaspartofthebalancetransferprocessandsentCapitalOneacheckfor{$7200.00}onXX/XX/2019.TheCapitalOnehasnotcashedthecheckandthebalancehasnotbeentransferred.IcontactedCapitalOneaboutthistodayandwastransferredtoatoaseniorsupportrepresentativewhocalledXXXXXXXXona3waycall.Thedateofthecheck,addressandamountwereconfirmedbyXXXXXXXXbuttheCapitalOneRepresentativestatedthattheywouldnotinvestigatetheissue,orseeiftheyhadreceivedthecheckuntilthecheckhadbeencashedbycapitalone.TheXXXXXXXXRepresentativestatedthatthereareanumberofXXXXXXXXmemberswhoarehavingthesameissuewithCapitalOnenotprocessingthechecksmailedtothemaroundthesametimeandareinvestigatingtheissue.NospecificsweregiventomeandCapitalOnerefusedtoinvestigatetheissuecompletely.
Product: Debt collection

My identity has been highly misused!! I have have reached out to credit bureaus asking them to make sure my identity is verified before furnishing any accounts on my credit report due to the excessive attempts someone has made to purchase goods and services under my social security number. The names given for these fraudulent accounts are not my name nor do I identify with any of these addresses. My rights have been extremely violated according to FCRA 15 U.S.C. 1681 for the fact the bureaus are not allowing me to dispute or clear my name of the alleged negative debt. Also according to 15 U.S.C. 1681b ( f ) my right have been violated due to the fact I have never provided my wet ink signature to furnish any of these accounts on my credit report, especially unverified! My financial profile has been damaged due to the lack of the companies doing their due diligence. I am expecting an immediate response to remove any debt from my credit report that is not verifiable or inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Experian on XX/XX/XXXX requesting to investigate and verify the Accuracy of the accounts on my Credit Report. The account below is reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous account and have it corrected. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXLate/Closed Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Checking or savings account

My account was closed due to the thought and showing of an amount in my account and then it over drafting.i was over draft for an amount of XXXX dollars and i did not know how when it should have not went through if it was posted correctly. And it caused for my account to be closed
Product: Credit reporting or other personal consumer reports

My name and contact info has shown up in a data breach. I have social media accounts hacked into, and messages sent to my friends and followers marketing Crypto currencies, attempts to remove money from my bank account. Inquiries for Credit that I never made. 20+ Phone calls a day from salesmen trying to sell me something or Scammers trying to collect money for something...
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

On Sunday XXXX XXXX  XXXX of 2023 I received a XXXX  credit card from XXXX in XXXX Ohio with a XXXX credit limit that I did not apply for. On Thursday XX/XX/2023 I called XXXXXXXX XXXX fraudulence center and spoke with customer service representative XXXX employee ID number XXXX and reported this card as fraudulent in that I did not apply for it. She took my information and was very nice. She closed the account after telling me that luckily it had not been used yet. I live in Texas and apparently the application came from the New York New Jersey area. She recommended I contacted www.ftc.gov to report it and that she would report it to the credit bureau. She also recommended that I contact the credit bureau myself and my bank.

Bottom line people, be careful with your private information and be diligent in checking your credit regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Complaint : I am filing this complaint because Experian has failed to properly investigate and verify accounts I have disputed as inaccurate on my credit report. Despite providing detailed information and supporting evidence to substantiate my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Accuracy of Reporting Credit reporting agencies must use reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

and 15 U.S.C. 1681i ( a ) : Reinvestigation of Disputed Information When a consumer disputes the accuracy of an item, the agency must conduct a reasonable investigation and promptly correct any errors.

Experians failure to comply with the FCRA has caused me significant harm by negatively impacting my credit profile and financial well-being. Specifically : * Experian has failed to notify me of the methods used to verify the disputed accounts.

* Experian has not provided any documentation or proof from the furnishers of the disputed information to confirm its accuracy. 
* My disputes have been dismissed without a proper reinvestigation, in violation of the legal requirements under the FCRA.
Product: Credit reporting or other personal consumer reports

I am disputing a tradeline reported by XXXX ( account ending in XXXX ) which is inaccurately listed as charged off. I submitted multiple properly formatted negotiable instruments under UCC 3-104 to the original creditor ( XXXX  ) in XXXX and XXXX 2024. These instruments were labeled Accepted for Deposit Payable to the bearer Without recourse, and the amounts matched the outstanding balance on the account. 
In each correspondence, I requested the company either ( 1 ) apply the value of the bearer instrument to discharge the account under UCC 3-603 ( a ), or ( 2 ) provide a lawful reason supported by commercial or statutory law for refusing to accept the instrument. No lawful rebuttal, dishonor, or response was received.

According to UCC 3-505, failure to timely respond or return the instrument constitutes dishonor. This account is being inaccurately reported as charged off despite lawful tender and lack of rebuttal, making the tradeline misleading and incorrect under the Fair Credit Reporting Act ( FCRA ). 
I am requesting immediate deletion of this tradeline from my credit report and a full investigation into this unlawful reporting practice. 
Supporting documents, including copies of the instruments, remittance letters, and evidence of mailing and acceptance, are available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to XXXX XXXX and Transunion. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( Transunion ) and 25 ( XXXX ) Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.