23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i have been trying to reach the reporting agencies and direct with the companies regarding this investigation but now my rights under the FCRA, including Sections XXXX, XXXX, and XXXX, have been violated because I have not received adequate proof of investigation or validation of the following accounts I previously disputed via XXXX XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX
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. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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 consumerXXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has violated my rights. they say multiple times they refuse to remove the inquiry on Equifax in regards to XXXX XXXX XXXX in XXXX XXXX XXXX I now have evidence to prove that they lied in their investigation and proves their willful noncompliance of federal law. I will submit evidence from XXXX XXXX and XXXX XXXX
Product: Credit card or prepaid card

Us bank reliacard is holding my money. I have submitted a valid photo ID, both sides. A selfie as well. Met all requirements for identification verification! Yet I still have XXXX thousand+ dollars sitting on a card that they will not let me use for god knows what reason? This is complete XXXX we are in the middle of a pandemic and i have been out of work for months and months. Every bill i have is behind and last but very much so, not least! My child went to his grandma 's in XXXX XXXX XXXX, he's XXXX, and I have no way to get to him. Literally stuck away from my child because I cant use my card to buy a ticket or get gas to go to him there has to be an emergency procedure for times of national emergency procedure for during times like these. People are suffering. It shouldn't be too much to ask for access to my own money seriously something has to be able to be done about this and quicker than it is because americans are being held down by US companies when americans are already dealing with enough. Go ahead and ask them how many people can't use their money at this time because of the social security office and XXXX scheduling months out
Product: Money transfer, virtual currency, or money service

On [ XX/XX/2024 ], I, [ XXXX XXXX XXXX XXXX XXXX ], initiated an international wire transfer from my Bank of America account ( account number : XXXX ) in the United States to a recipient in XXXX ( XXXX Account registered also in my name ). The transaction was denominated in XXXX XXXX. During the process, Bank of America did not inform me that the transaction would be intermediated by a third-party institution. 

After initiating the transfer, I was contacted by a representative from a company called XXXX. The representative informed me that XXXX was intermediating the transaction and requested that I register an account with them to facilitate the transfer of funds to XXXX, the recipient 's bank in XXXX. However, I felt uncomfortable with this additional requirement and declined to register an account with XXXX. Instead, I promptly requested that they cancel the transaction. 

Following my cancellation request, Bank of America registered a formal investigation case identified by the number XXXX. I called XXXX, and they informed me that the funds had been returned to Bank of America, providing me with the evidence of REF XXXX XXXX. 

On [ XXXX ], I visited my local Bank of America branch ( XXXX XXXX XXXX ) to inquire about the status of my refund. I was informed that Bank of America had attempted to contact XXXX three times prior to my visit, but they received no response. 

The bank provided me with the following confirmation details : " Confirmation # : XXXX Amount : {$3500.00} ( XXXX BRL ) To : XXXX XXXX XXXX XXXX Fee : XXXX Rate : XXXX USD = XXXX BRL Send on Date : XX/XX/2024 Service : International Wire Transfer '' It has now been more than three weeks since I made the cancellation request, and despite XXXX 's assurances that the funds would be returned to my Bank of America account, I have not received any confirmation of the refund or seen the funds reflected in my account balance. 

I am particularly concerned that Bank of America did not disclose the involvement of a third-party institution at the time of the transaction. This lack of transparency has caused confusion and uncertainty regarding the transfer process and the status of my funds. 

I am filing this complaint to request assistance in resolving this issue and ensuring that my funds are properly returned to my Bank of America account. My Bank of America account number is XXXX, and my Social Security Number ( SSN ) is XXXX. I have maintained detailed records of all transactions and communications related to this transfer, including the confirmation details provided above, and I am willing to provide this documentation as necessary. 

I believe that the actions of XXXX and the lack of clarity and transparency from both XXXX and Bank of America have caused undue stress and financial uncertainty. I am seeking a swift resolution to this matter and assurances that my funds will be returned promptly. 

Thank you for your attention to this complaint. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wanted to refinance my motorcycle with usaa. I did all the proper paper work and trust usaa to mail the check out to XXXX XXXX XXXX XXXX. The check was stolen and cashed. I have been fighting this for 3 and a half months with usaa. I went back to my call log and counted over 50 phone calls I have made to usaa. I have talked to multiple people at the loan, member resolution and ceo department. I have filed multiple complaints with the XXXX and usaa is refusing to make this right. The check was cash by an unknown party named XXXX XXXX and not XXXX XXXX XXXX. I have talk as well to XXXX XXXX cause that is where usaa sent the check from. XXXX informed me that usaa needs to call cause it's there account to open an investigation which they refuse to do. This case has been to fraud at least 5 times for usaa to say there is no fraud. I am now stuck in the middle when I had nothing to do with this and usaa is refusing to make it right. I have to motorcycle payments now. Usaa sees it as the check being cashed and it's not their problem anymore. But for over 3 months usaa has stonewall me and not made it right. I also have a photo copy of the sign check but they have refused to track where this money went and what institution allowed this person to cash the check when it was made out XXXX XXXXXXXX. I am now in the process of seeking legal action against usaa
Product: Mortgage

Fell behind on mortgage due to covid. Applied for assistance like forbearance twice. Denied. Paid for new appraisal to drop PMI Denied. Paid off home and was charged thousands in foreclosure fees but letter received stated I could get assistance before they proceed with foreclosure. Took weeks after check was received by them to process payoff.
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquires on my Equifax report that was placed on my account without my authorization this company has already been in trouble for breached and other stuff someone has used my info. Without my consent and this had been Ive submitted if theft report and police report numerous time they are in violation of federal law
Product: Debt collection

I have contacted this company, XXXX in XX/XX/XXXX and XX/XX/XXXX and was informed on XX/XX/XXXX that the debt in question was bought by another company, Multi Source International on XX/XX/XXXX. So I sent a request to validate to the Multi Source International on XX/XX/XXXX and XXXX stated in a letter that they also forwarded the request. But to date, the company has not replied to my attempt to validate this debt that they claim belongs to me. But XXXX continues to report this in accurate debt on my credit file.
Product: Debt collection

Errors on the Credit Report : A balance of {$2100.00} was reported inconsistently. 

Incorrect " Date of Last Activity. '' FCRA Violation ( 15 U.S.C. 1681e ( b ) ) : The information reported by the creditor is inaccurate and incomplete, violating the requirement to maintain maximum possible accuracy in consumer reports. 

Request for Validation ( 15 U.S.C. 1692g ) : Provide a detailed chain of title for this account to establish ownership and authority to collect. 

Include copies of the original agreement signed by me. 

Provide a full account ledger detailing payments, credits, and charges.
Product: Debt collection

My Experian account was showing that I had a delinquent account for a XXXX line of credit. I have never had a XXXX line of credit so I sent an email to XXXX to dispute this account on XX/XX/2020. After much work and follow through that delinquent XXXX account was marked by XXXX  as fraud. 

While this was going on Midland Credit Management was attempting to collect on the fraudulent account. 

A telephone conversation was had with a Midland Credit Management employee conveying to them that the XXXX account was a fraud. They closed out the collection account. 

Sometime later an employee at Midland Credit Management re-opened the fraudulent account and began the collections process again. After receiving collection notices from the company in the mail I called at spoke to XXXX XXXX. It was determined yet again that this XXXX line of credit was fraudulent. 

Checking my credit report today I see that my credit report shows my account is in collection status due to this fraudulent account. 

Midland Credit Management attempted to collect {$850.00} from me derived from a bogus account. The account was declared fraudulent and Midland Credit Management, after closing their account on the matter, re-opened the account and again began attempting to collect {$850.00} from me. In doing so they have damaged my credit. 

The fraudulent account is identified as Account name : XXXX/XXXX  account # XXXX ... 

The account with Midland Credit Management is identified as Original Creditor : XXXX XXXX  Current Owner : Midland Credit Mangement, Inc Original Account Number : XXXX MCM  Account Number : XXXX Current Balance : & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have problem with this companies has violet my consumer right XXXX XXXX account # XXXX charge off account XXXX  account # XXXX charge off account XXXX  account # XXXX charge off accounts XXXX XXXX  account # XXXX charge off The charge off Is clearly for IRS as gross income the income no get reported consumer reported The laws 15 usc 1681 s-2 Is very clear This company violet
Product: Mortgage

This is actually the second sale of my home. The first was in XX/XX/XXXX and was later rescinded via court order ( I have that paperwork ). It was given back to me due to errors ( which I argued to be an illegal foreclosure ) in the modification process. 

I was then allowed to complete another modification. I completed said modification and was approved. After numerous calls to the mortgage servicer, asking for my modified payment amount and being told to wait as they figure it out, they again sold my home on XX/XX/XXXX. 

I was referred to Legal Aid via a community resource. I contacted them in XX/XX/XXXX, explained my situation and was told it would be reviewed and someone would get back with me. After months of waiting and hearing nothing, I reached out to Legal Aid and was told my case had been closed due to them only having enough resources to help 1 out of 3 people. 

There were so many errors, wrong information and failures to communicate throughout this process. I am now literally a month away from losing my home of 22 years. 

If there are any attorneys or agencies available to help me keep my home, I would forever be in your debt. All of this began when I became ill and unless I have help, I will lose my home, as I can not fight this corporation alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, acct. no.XXXX  ...., though reporting correctly on XXXX  and XXXX  ( attached report ) has a minor error on Transunion that makes it a negative. 
I've only seen this on a 3rd party report, since Transunion online has technical problems and I can't get online.I 've called the number Transunion gave me and the technical people said it was fixed but it isn't. 
The problem on the XXXX acct is that even though it says 0 days late in the history, it says verbally '' pays 30-59 days '' .Please correct this error.
Product: Debt collection

I received a letter from a debt collector stating I owed XXXX from a medical provider. I mailed a letter to the debt collector asking them to verify the debt. I requested dates of services, reason for the visit, and proof of previous payment. When I went to the XXXX XXXX  office any out of pocket cost was paid at the time of the visit. I never received any bills, letters, or calls from the XXXX XXXX office. 

I received a letter back from the debt collector stating " When an undisputed account is listed with us for collection, it is deemed to be due and payable in full. If you need time in which to secure the balance due, call or visit our office so that a reasonable extension of time may be granted ''. 

This collections agency never supplied me with my request, basically they're stating if the debt was placed with them then the money is owed.
Product: Credit card

I applied for the chase sapphire preferred card on XX/XX/XXXX through my chase app. I have a checking and savings account with them. Along with a chase freedom card of 17 years. I have never had this particular card before but I saw a pre approval and bonus offer in my chase app so I applied. Once I got my card I starting spending so I could meet the requirements to get the XXXX points with account spend. I didnt get anythings out the welcome offer with my card so I called. I was told I didnt qualify for the bonus offer. And I should have gotten a pop up of the denial in the app. I never received a pop up and have never had this card. Why would I apply and do a hard inquiry on my account for no reason. Chase used that offer to get consumers to apply. Its false advertising. Many other people I see online have had the same issue and with no resolution. Im willing to pull all my account to be use of this. I have been a loyal customer for 17 years. Always paid on time. I escalated the issue on XX/XX/XXXX. Made another inquiry XX/XX/XXXX via secure message and still denied but no reason. I called XX/XX/XXXX told the same and that my escalation was resolved same day without even letting me know. Horrible business practices and conflicting and confusing process.
Product: Checking or savings account

Navy Federal closed my longterm account and took my money that was in it.
Product: Credit reporting or other personal consumer reports

I am requesting the correct name, address, phone number and fax for the legal representative who accepts summonses on behalf of Care Credit Synchrony. I will be filing a suit against Care Credit Synchrony for willful and negligent violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX I used ATM machine to deposit {$4300.00}. 

The ATM machine said there was an error and the cash could not be counted and could not be returned due to an error. 

I called the banking center. They said it would take two business days to fix the problem. 

Today, which is 6 days later I was told they did not have an end date in sight. 

They would not give me a provisional credit.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( 2 ) Exclusions .Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. Experian and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. consumer report means. consumer report means ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. Experian or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( XXXX XXXX ) and ( XXXX  ) is a violation of 15 USC 1681a the definition of the consumer report does not include Experian which makes their factors or algorithm not a factor where the consumer report is concerned. You have furnished transaction information on the following accounts. I need the following late payments deleted. ( XXXX  ) ( XXXX, XX/XX/year>, {$35.00} )
Product: Credit card or prepaid card

This account is closed and charged-off my credit company disputed the charge but they refuse to remove it from my credit
Product: Debt collection

The company called XXXX XXXX XXXX contacted me about nonexistent debt and wanted me to provide my social security number and other personal information. They told me that my debt was for a doctors appointment on XXXX/XXXX/XXXX. I called my doctor and they said I had no debt and nothing was ever sent to collections. The phone number for XXXX XXXX XXXXC is XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Called the XXXX XXXX office today to get the pay off of the loan and explain the situation, the lady that answered refused to give me the pay off after i asked multiple times. she started to threaten me with statements like " we will go ahead and take your collateral '' when i stated i didn't have the collateral she then threatened me with " then we will proceed with legal action! '' i told her i'm trying to get the pay off and give you a promise to pay date -since i refinanced my home and explain the situation and she kept repeating " we are not going to wait for you, we are not going to hold off until the XXXX of XXXX '' I even stated that if there were late fees assessed that i would have that included in the cashiers check to cover the days i am past due- she refused and started to treat me like less and made me feel discriminated because i was asking for time to send in the pay off check. I have never had this issue with any of the locations and have always paid them off this is the first time i was having an issue and i was treated so unfairly and extremely poorly, after arguing with her she said to call her manager and hung up on me. 
I then called the XXXX location to get the phone number for the manager and left her a voice mail explaining the situation and After an hour I called back to the provo location and someone from a that location stated to call the XXXX location and ask them for the pay off ( she did how ever provide me with the pay off for their location with no issue, and the same with their XXXX XXXX location ). I proceeded to call that number and the lady that answered told me she could text me the pay off with no issues. When i asked if it was in fact possible to be taken to court less than 7 days past due she said " its up to the manager of that location '' leaving me doubting and afraid of being sued when i'm trying to get the information for the pay off to have a cashiers check sent to them. It took multiple calls, an argument with someone who in fact did NOT want to help and her threatening me with legal action ( considering its not even a week, today its 3 days past due ) i started to cry from the fear of being taken to court when all i want to do is pay them off.
Product: Vehicle loan or lease

Paid car off on XX/XX/2021 Never received title or lien release Called several times to receive and Im still waiting.
Product: Mortgage

Through Wells Fargo Mortgage we applied for a pre-qualification letter to get a mortgage for {$35000.00}. on a conventional loan for investment. We have all the monies in a Chase account for the 20 % down payment and Closing. They have approved our income, but state that some of the monies are going into our Wells Fargo personal account from our Wells Fargo business account and this was a problem for them and want me to liquidate {$17000.00}. in funds from a retirement account which would involve up to 30 % in taxes penalties and fees. An appraisal was done already and I was not advised of any problems prior to spending the money for the appraisal. We also have plane tickets that are not refundable. The money for the down payment and closing costs for this purchase came from the sale of o condominium in XX/XX/XXXX and sale of a house ( financed by Wells Fargo ) in XX/XX/XXXX lessoning my monthly payments by over {$2000.00} Now I am looking for a mortgage that will be about {$1000.00}. per month. I pre-qualified with XXXX XXXX at the same time but decided on Wells Fargo because we have been banking with them for years. I do n't believe they are following guidelines while processing my request. If they do not approve this loan I would like to find out how to get reimbursed for my expenses which are several thousand dollars are this point. I feel they have taken way to long in coming to their decisions which are not final at this point.
Product: Mortgage

I am trying to sell my townhouse in XXXX, NJ. The buyer is attempting to get a loan and the lender has postponed the closing date because of an issue they ca n't resolve 2 times and are attempting to postpone the closing scheduled for Friday, XXXX XXXX, 2016 ... AGAIN!! That is the 3rd time!!! I believe it is a computer issue, but I ca n't fathom how it takes weeks to correct it. I am filing this complaint against them.