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

On XX/XX/2023, I same-day domestic wire transferred {$26000.00} from my Bank of America ( BofA ) Business Account ending in XXXX to XXXXXXXX XXXX XXXX ( XXXX ) for beneficiary/account holder of XXXX XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) with account ending XXXX. According to BofA, XXXX accepted the wire on XX/XX/2023. However, the following week, my vendor XXXX still had not received funds into their account. When she called XXXX, they told her that they were awaiting additional information from BofA. I called BofA and they told me that they sent the additional information. Still, the funds sat unreleased for a couple of weeks more. On XX/XX/2023, funds had still not been released to the beneficiary and I initiated the wire recall to my bank of BofA. I was told that XXXX could take up to 24-48 hours to acknowledge the recall and from there, it would be unknown when my account at BofA would again see my money returned into my account. Seven business days later ( 168 hours ) on XX/XX/2023, I called BofA to inquire the status and they told me that XXXX has not yet acknowledged the recall and they do not have the ability to take funds back from them and can only continue to request funds be returned yet they just sat and did nothing. I have called multiple departments at BofA and I get nowhere. I asked the account holder at XXXX to help with a call to her bank. Here is what she wrote me today, XX/XX/2023, after calling them, XXXX XXXX told her the following : XXXX reached out to Bank of America for the added info needed for compliance. 
BofA responded to the first outreach, acknowledging receipt of it only. 
XXXX followed-up four separate times thereafter and never received the info. 
XXXX, therefore, closed the claim. 
The funds are not with XXXX and are with BofA. She pressed this issue several times and was told this repeatedly. 
XXXX suggested you to escalate this with BofA and assured you that is the only option for me to receive the funds back. 
This has become BEYOND frustrating and to me seems to be negligent and illegal. 
My complaint is that XXXX or BofA are illegally holding funds that do not belong to them, not informing their account holders of the status or informational needs to release funds and I believe that these banks are in violation of Federal Banking laws and consumer protection rights. I want either the funds to be returned to my BofA account immediately or released to the beneficiary that I originally intended.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

XXXX XXXX is reporting my account 60-90 days past due and has not reported to the credit bureaus since may. Since then many payments have XXXX made and My account is currently up to date since XXXX
Product: Checking or savings account

Back in XXXX, Chime closed my account without my knowledge, however, they had informed me that a dispute that I had already had filed would post a temporary provisional credit in the account until the claim was resolved. They've recently sent me statements from that account during that time frame and have even sent me ones that are so recent as of XX/XX/XXXX as if the account is still active. The statements do show they funds that accumulated until the very moment of closure and shows they removed those funds and listed it as a " adjustment '', never stating a reason or explanation for closing the account and refusing to pay out those funds. However, even presently, they've now engaged in worse behavior. I have multiple items of evidence that will highlight Chime steals money from consumer 's accounts and lists them as if they are " Credit Builder Payments '' when they are not authorized, no email confirmation is ever able to be traced digitally or even disclosed in the legal terms and conditions, but also how they can't refund or dispute the charge. Ultimately leaving no recourse for the consumer. I have not only screenshots from a chat support agent, but voice recording with one on the phone and engaging in misinformation illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

( AMERINATIONAL COMMUN ) IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT THERE ARE A COUPLE ERRORS ON MY CREDIT REPORT WITH LATE PAYMENTS DURING XXXX, XXXX, XXXX AND XX/XX/2020 I WAS NOT LATE ON THESE PAYMENTS I ALSO HAVE A XXXX BALACE ( XXXX XXXX ) HAS A 30 DAY LATE ON MY CREDIT PROFILE I HAVE NEVER MISSED A PAYMENT WITH THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year 2022, I had someone help me with my credit and they asked me to call Montgomery Wards and find out why they still had me on my credit report. 
I had called Montgomery Wards between XXXX - XX/XX/2022 and I asked they why they still had me on my credit report, because I need received anything from Montgomery Wards. They should the same thing and I had requested them to send me a letter stating that they would take me off my credit report. I went to go and try to get a house this past weekend and Montgomery is still on my report. I don't know what else to do to get them to come off my report. I need some help from someone or need some advise. Please! : )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TRANSUNION ( on this day and the time you did ) reporting inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/XXXX  is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave TRANSUNION permission to take my information.

TRANSUNION have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. TRANSUNION has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support TRANSUNION claims on my credit file.

Furthermore TRANSUNION has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which TRANSUNION is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

The company sent me an email that my payment was successful. When I checked my credit report I saw that I was late on car payments and my credit took a major hit. This affected me financially and mentally. I reached out and pointed out this was a mistake with their system. I have never missed a payment, never got a letter email, or call about the late payment error. Chrysler Capital said there was nothing they could do and I could call the credit bureaus to get information removed.
Product: Debt collection

in XX/XX/2021 I noticed this company reporting multiple debts on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.
Product: Checking or savings account

I made a deposit to my family account #  XXXX  at the ATM on    XXXX  17.  The ATM misread the check that was for {$4200.00} as only {$200.00}. I asked the bank teller at the branch whether that evening the ACH would correct the error and was told it would clear out at   XXXX   on  XXXX 17. The bank made the deposit correction but then put the {$4200.00} on hold. They removed the money from my wife 's professional corporate account on  XXXX / XXXX / 17 . I am at a loss as to what BAML is doing by putting a hold on a deposit where they removed money from  XXXX  BAML account and then hold it from our personal account. Finally it was resolved but the CFPB should know about these types of electronic systems that create problems for the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please remove from Inquiries : XXXX  XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.

Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not.

Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights.

Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement.

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning XXXX  XXXX, XXXX. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Product: Checking or savings account

A fraudulent charge was made on my business checking account on XX/XX/2020 through Key Bank. The bank was alerted ( by their own fraud detection algorithms ) that a charge on my card looked suspicious. They notified me and I advised them that it was indeed fraudulent, I did not make these purchases. I am in Ohio, the charges occurred in New York. The money was nevertheless deducted from my account. I was told they need to investigate before the money would be credited back to me. It has been 10 days. Still, they have not fully returned my money.
Product: Credit reporting or other personal consumer reports

I've been unable to obtain a credit score from Experian- they have deemed me unscoreable. This makes no sense as XXXX and XXXX both have given me scores and my credit history is XXXX XXXX XXXX. 

I've tried calling them numerous times over months. Every single one of their customer service numbers features a chatbot that will never route you to a live agent. There is no option that addresses my issue. 

This is hugely consequential as many companies XXXX XXXX, XXXX, etc. ) only use Experian for credit reports. Being unable to get a score limits my options significantly. 

I don't know why Experian won't give me a score like XXXX and XXXX have or maintain a customer service line that can help individuals resolves issues.
Product: Debt collection

On XX/XX/XXXX, I reviewed my mortgage deed that was granted to me XX/XX/XXXX on property : XXXX XXXX XXXX, XXXX, PA XXXX. I noticed numerous unauthorized recordings that took place without my knowledge. What caught my attention was notarization by XXXX XXXX in XXXX, Texas with a " XXXX XXXX '' signing representing Rushmore Loan Management Services, XXXX   as Vice President in its attorney-in-fact & " XXXX XXXX '' signing ( on the same documents transfer ) representing as a " AVP '' of XXXX XXXX XXXX XXXX. After careful research, XXXX XXXX is VP at Rushmore Loan Mgt. Services, XXXX and affiliated with XXXX XXXX. XXXX. When I notified XXXX XXXX XXXX XXXX, the rep. did not recognize the name on file of a " XXXX XXXX '' as AVP representing XXXX XXXX XXXX XXXX. On XX/XX/XXXX, unknowingly and without notification to me, XXXX XXXX XXXX XXXX XXXX " Grantor '' transacted and recorded a mortgage assignment to " Grantee '' XXXX XXXX LEGAL Title Trust, XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, unknowingly and without notification to me, " Grantor '' XXXX XXXX   LEGAL Title Trust, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX recorded a mortgage assignment to " Grantee '' US ROF II Legal Title Trust XXXX, XXXX XXXX XXXX XXXX XXXX XXXX All the companies and assignees involved XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Rushmore Loan Mgt. Servces, LLO VP- XXXX XXXX , XXXX Legal Title Trust, XXXX XXXX XXXX , XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX under XXXX XXXX, all notaries : XXXX XXXX representing XXXX  as Assistant Secretary, XXXX XXXX located in CA., XXXX XXXX located Texas , and the unidentified robo-signer XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX as Its-Attorney-In-Fact. All above information is backed with verifiable documents that are current.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XXXX made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XXXX XXXX XXXX Bank XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX  made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX  Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have sent a money transfer through MoneyGram on XXXX XX/XX/2020 at XXXX using their app and with my cell phone. The amount sent is {$350.00} ( fee included ). The transfer was a deposit to a bank account. The receipt of the company shows the money is still " in transit '' but hasn't been accredited to the bank account. I paid with a debit card. My money has been taken from my bank account linked to the debit card used. 

The money is still in transit to the bank account in XXXX XXXX where the money is supposed to be claimed by my family member. 
I have contacted MoneyGram several times about this issue and until now all they say they are investigating. 

I want my money to be delivered as expected and deposited to the bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, COLLECTION, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

This account is a fraudulent account, I am requesting to investigate this account, I don't owe and neither sign any contract with company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a packet from XXXX XXXX XXXX XXXX. I also received a letter from XXXX XXXX XXXX recently. XXXX XXXX XXXX stated a power of attorney is being used by family members. My youngest child have a XXXX XXXX and is receiving social security XXXX as a result. His name is XXXX XXXX XXXX XXXX, he is also a XXXX XXXX. His social security number is XXXX. XXXX XXXX XXXX stated the circumstances were unique yet permission was given to family members to access my accounts. I needed this in writing and on the bank letter head. I now have evidence of these fraudulent transactions made by family members. 

I mentioned earlier that The XXXX XXXX is abusing my identity. XXXX XXXX XXXX XXXX XXXX stated that I sent a copy of my credit report. The reason I terminated Attorney XXXX XXXX is because he filed my wage earner case that was discharged in XXXX and XXXX. Those dates that was changed to XXXX is located on that credit form I sent you. 

I sent the W-2 for my former employer, because XXXX XXXX XXXX XXXX XXXX deleted themselves from my credit report. All of my history have been deleted from my history. Social Security have written a query for me showing my former employers. 
From XXXXXX/XX/XXXX. 
In XXXX XXXX XXXX XXXX shows my loan was with XXXX XXXX in Texas from XXXX. A copy of the XXXX statement was mailed to me from XXXX XXXX XXXX. The bankruptcy courts was n't notified of this transfer. It 's not on my credit report with XXXX. It is in XXXX XXXX XXXX data base. 

All of the payments made by whomever that have a business and uses checks with six digits and made wire transactions. 

Property Taxes have been paid on the property at XXXX XXXX XXXX XXXX TN XXXX. But not reported to IRS. 

I have a copy of my credit report from XXXX XXXX when I filed bankruptcy in XXXX. Payments was itemized by them. I will send you a copy if you need it for your investigation. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have been deleted from my credit reports as though I never purchased the property. 

Even though the law states after foreclosure it should remain on your credit report for ten years.
Product: Credit card or prepaid card

On the back of my XXXX $ prepaid XXXX card it says that after a 12 month period of inactivity there will be a XXXX $ deduction fee from the account but the only purchase on this account is XX/XX/2017 less then 12 months ago for XXXX $ but my account balance is XXXX cents so when i called the number on the card to find the problem the woman who answered said that a fee of XXXX $ has been taken out of my card monthly since it seems like well before my first purchase