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

International Wire Transfer Department CERT. MAIL : XXXX XXXX XXXX XXXX XXXX Bank of America , N.A . 
XXXX XXXX XXXX XXXX, FL XXXX Ref : Account Dear, I am writing to escalate an ongoing issue regarding a wire transfer I initiated through your XXXX XXXX XXXX XXXX XX/XX/year>. Despite multiple attempts to resolve this matter directly with branch personnel, including the Branch XXXX XXXX and Senior Banker XXXX XXXX, I have yet to receive a satisfactory resolution. 
The details of the transaction are as follows : - On XX/XX/year>, I sent a wire transfer through your platform for the amount of {$150000.00} USD. 
- This amount was intended to be converted to XXXX XXXX and transferred to XXXX XXXX in the XXXX XXXX. 
- At the time of the transfer, the {$150000.00} USD amount should have converted to XXXX XXXX XXXX. 
- However, XXXX XXXX has confirmed that the amount they received was only XXXX XXXX XXXX, reflecting a service charge of XXXX XXXX XXXX deducted from the principal amount. 
- This discrepancy results in a shortfall of XXXX XXXX XXXX, which at the current exchange rate {$54.00} equates to approximately {$5000.00} USD missing from the original transfer amount. 
Both your institution and XXXX XXXX have acknowledged this discrepancy, but neither party has taken responsibility for resolving the issue or crediting me the missing funds. XXXX XXXX has explicitly stated that your bank, as the originator of the wire transfer, is the responsible party to rectify this situation. 
I have made numerous good-faith efforts to resolve this through your local branch channels, but unfortunately, those attempts have proven unsuccessful. As such, I am now escalating this matter to your higher authorities for a prompt and fair resolution. 
Please investigate this wire transfer discrepancy as a top priority and provide me with a clear action plan to recover the {$5000.00} USD that was deducted from the originally transmitted amount. I kindly request that this be addressed without any further delay, as I reserve my right to pursue legal action if a satisfactory resolution is not reached promptly. 
I appreciate your urgent attention to this matter and look forward to your expedited response outlining the steps you will take to make me whole on this international wire transfer. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and Experian are fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. 

I have also provided opt-out notices from the model disclosures that I found on the CFPB website. 

If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. 

Nonaffiliate opt-out. If the financial institution shares personal information pursuant to XXXX ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balane Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$12000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am in the middle of a foreclosure issue that should have nothing to do with me. My divorce was final in XXXX and my ex-husband received our home in the divorce. We refinanced during our separation in XXXX ( due to the courts delaying the divorce ) and I was forced to sign a Deed of Trust ( State of MD ) since we were not legally divorced. By the time our divorce was final, my ex-husband was not making payments and foreclosed on the home. I have been trying for many years to get my name off of the Deed of Trust and can not. I hired an attorney and while he was able to remove me from the Deed, he could do nothing about the Deed of Trust. Now after 10 years I am being named in the foreclosure documents. The bank will not speak to me even though my name is listed on the foreclosure. We tried to have a mediation with the foreclosure company and the attorneys and Seneca Mortgage said they would send us a letter explaining that I am not responsible but they did not. I am now told that Seneca sold the loan to Selene Finance. I am NOT responsible for this debt and now my credit maybe ruined. NO ONE can tell me if the bank could place a judgement against me regarding the remaining debt after the foreclosure is completed. I would like some help with this issue. The original loan was with XXXX. It was sold to XXXX XXXX XXXX who forwarded it to Seneca Mortgage and I am told it is now in the hands of Selene Finance. The letter was sent to Seneca before the loan was sold to Selene. The attached letter explains the situation in more detail.
Product: Credit card

I am on XXXX XXXX with the XXXX XXXX XXXX XXXX, and my wife, a military Dependent applied for the American Express XXXX XXXX under the Companys program for a fee waiver for XXXX XXXX and their dependents. 

We applied for the fee waived card on the following dates : 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  and XXXX XX/XX/XXXX. Often, we never heard anything back from American Express, we would have to call back to find out the status of our case. Infrequently, we would receive a text message from American Express, stating that my wife was not eligible under the Military Lending Act, but we never received any notifications after XXXX XX/XX/XXXX, even though we had applied 4 additional times. 

When we contacted Customer Service at American Express, we were told either that we would need to start a new application or that our issue had been elevated for further review. However, we never heard anything back from American Express regarding their claim that my wife and I were not eligible, despite our providing the American Express Customer Service Agent documentation from the Department of Defense Military Lending Act verification site that we were both covered by the XXXX. The XXXX XX/XX/XXXX interaction with American Express was made from a XXXX XXXX XXXX Assistance Office, with the attorney sitting in on the call and able to provide documentation of our status. Following the call, American Express never replied to us or him.
Product: Mortgage

My home has been recommended for foreclosure and is scheduled to be sold at auction on XXXX XXXX. Throughout this process, I have been working with : XXXX XXXX XXXX Preservation Client RepresentativeNMLSR : XXXX last spoke with her on Monday, XXXX XXXX. I informed her that we had listed our home for a short sale and expected to have an offer shortly. I was calling her as a courtesy so that SunTrust would be prepared for our offer packet to arrive. At that time, she told me that an offer packet would be considered only if it was received before XXXX XXXX, 2015. 

As of this afternoon, we now have the offer in hand and a compete package for submission to SunTrust. I called XXXX XXXX office to inform her of this fact and to enquire as to the reason that our attorney had been unable to receive a response from you. XXXX XXXX was not available to speak to me so I was connected with an alternate agent. After I informed this agent that we would be submitting an offer today, she told me that we could not submit an offer for review because we were less than 15 days from the auction date. When I pointed out that, as of my conversation with XXXX XXXX on XXXX XXXX, no 15 day requirement had ever been communicated to me, I was transferred to a XXXX agent. This XXXX agent told me that I can submit the offer packet but that SunTrust would not guarantee it would be reviewed or the auction cancelled as we were within the 15 day window of the auction. 

We will be submitting the auction package to SunTrust today. I want to escalate this matter for your full consideration with regard to reviewing the packet and stopping the auction while approval of the short sale is pending. The offer packet is correct and complete. Additionally, the requirement for receipt at least 15 days has never been communicated to me, in spite of the fact that I have been communicative and responsive to XXXX XXXX information needs over that last eight months. More so, the letter from XXXX XXXX for the sale at auction ( XXXX XXXX XXXX XXXX ) did not mail us the notification that our home was scheduled for auction until XXXX XXXX. It was done via registered mail so you will have a record of when I received it. Regardless, it was revised less than 15 days before the XXXX XXXX date. 

As we have a complete and correct offer in hand, the 15 day requirement was never communicated to us and the notice of the sale was received less than 15 days before the auction date, I respectfully request that SunTrust agree to review our offer package.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started fixing my credit on or about XX/XX/XXXX with Its Time Credit repair company and they assured me they would be there for me every step of the way and said they would guide me through getting my credit right, not only did they fail to follow up on appointments but they charge me XXXX twice a month once on the first and the other on or about the XXXX of the month. Ive seen little to no change with my credit improvement and none of the inquiries on my account. Ive asked about cancellation due to unsatisfactory service and they said I could not cancel due to us being in business for so long and it being past the 3 day mark or being able to cancel. Also they failed to correctly inform me on how the process would work and inform me of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, XXXXThank you for contacting me regarding information contained in my consumer file. Pursuant to section 609 of the Fair Credit Reporting Act 15 u.s. code 1681 G. I am providing proof that you are in violation of 15 u.s. code 1681 S ( 2 ). I received my XXXX Consumer Report which states on page 67 that I had an address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX records page 94 provides the same address as petitioner. The address XXXX XXXX XXXX XXXX XXXX XXXX  is not on my consumer credit reports. XXXX states that they obtain this address from XXXX, TransUnion, and XXXX. I have attached a letter that they sent me stating this. Congressional law of the Fair Credit Reporting Act clearly states in 15 u.s. code 1681 a consumer credit report must be accurate. There are several different name variations ; the address that you are listing of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX is not on my consumer credit reports. I have attached my XXXX, XXXX and Transunion consumer credit reports As proof that this address is not my previous or present address. I request a reinvestigation due to the fact that I already disputed this bankruptcy reporting on my credit reportsXXXX XXXX  HAS removed the bankruptcy due to XXXX inaccurate reporting as federal law requires for consumers by law. DOCUMENTS ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I mailed a certified dispute letter to XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXXI mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX  they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX XXXX XXXX
Product: Credit card

A merchant made a fraudulent charge on my Sears MasterCard ( Citibank ) in XXXX 2014. I tried for several months to resolve the issue directly with the merchant. I had continued with these attempts, as the merchant acknowledged the error verbally and led me to believe I would be reimbursed. Ultimately, they did not follow through with their promise. I then contacted my credit card company by writing a dispute. Upon receiving their response stating I had not contacted them in a timely manner, I contacted the credit card company by phone to understand why they were not taking further action. I was told that my contact with them fell just outside of their policy for reporting billing errors by a matter of a few days, therefore they would not be taking further action. It was recommended that I submit a complaint through the Better Business Bureau and a XXXX other suggestions for recourse were provided. I have since submitted my complaint to he BBB, with so far no response by the merchant. I have also submitted a XXXX plea to the credit card company through secure mail within my online account. They replied letting me know they have no recourse to recover my funds outside of 60 days. I have been a cardholder with them for 18 years with no other transaction disputes. I am asking for their assistance with resolving the fraudulent charge made to my card and associated interest charges.
Product: Debt collection

SYNCHRONY BANK XXXX XXXX re-opened an account under my name. This time it was opened with Creditor : XXXX XXXX XXXX. This was supposed to be expunged after 7 years and it has been that amount of time. But it was re-opened. That is not fair, i am never going to get this off my record. Please look into this, i don't want this on my record another 7 years.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Date opened XX/XX/2022 Account charged off. {$360.00}
Product: Checking or savings account

I reported check fraud to Truist Bank on XX/XX/XXXX. A check I made out to CMS medicare in the amount of {$1200.00} was apparently stolen and the payee and amount changed to {$5000.00} and subsequently deposited into the fraudulent payee account at XXXX XXXX XXXX Truist case no. XXXX. 
A notarized affidavit was sent in via local Truist branch the same day. The local branch representative stated this was a common occurrence and was usually deposited into XXXX XXXX via mobile app. ( which I have since learned is called check washing ) A police report was filed XX/XX/XXXX ( case XXXX ) with the local police department with the same information. Once again police stated this happens a lot. 

Truist Bank has denied my claim for reimbursement.
Product: Credit card

I told them i wanted them to change their privacy settings so my account and information is secure but they never got back at me or changed the settings
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported, I filed a complain with you guys about this already and you said the information you have is valid which is not true. this account has been paid off and i have attached a screenshot of the last payment made totally the total amount owed on XX/XX/year> and on XX/XX/year>. 
Account Name : XXXX XXXX Account XXXX you have this account as closed with a balance of {$3700.00} but this account is fully paid-off and balance on it should be {$00.00} find screenshot on this below show payments of the balance {$3700.00} on XX/XX/year>
Product: Debt collection

In 2018 I sent an email to the XXXX credit bureaus and NCS disputing the information on my credit report. I have asked for any and all agreements with my wet signature that I agreed to or that I am obligated to pay the amount reported. The initial amount reported was about {$15000.00}. I disputed it and was able to prove that they released the apartment and were trying to charge me for rent for a unit that was occupied. The apartment did not have any damages when i moved out. They have been unable to provide me with anything proving that I owe that amount and what it is owed for. This has ruined my chances of being able to purchase a home or rent a home. My next step is a law suit.
Product: Credit card or prepaid card

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Product: Credit reporting or other personal consumer reports

I have been fighting back and forth the the credit reporting agencies as well as corportaions who have failed to provide me with any original wet ink signature contract. XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never witnessed nor seen any contract between my self and these CORPORATIONS. I have requested this information and they have failed to provide me with this information within ( 30 ) business days which is violation of federal law. Each time I have sent correspondance to each of these corporation, including the credit reporting agencies ( experian, XXXX, XXXX ), all they have provided me with is a letter which state the information has been verified which is not valid or lawful. AN ACCOUNT CAN NOT report to a consumers credit report without the proper verification, if not, any enity/person may fraudulently claim that there is a debt with no verifiable proof under FCRA LAW. I hereby rescind, revoke, null and void any fraudulent or invisible contract, where these corporations are claiming to be me or represent me in anyway. I have contacted the attorney general regarding this matter who will assist me in the manner that is needed in order to resolve this matter. I am prepared to begin a litigation process shall these items not be PERMANENLTY DELETED from my consumer file with 4 business days. I have sent out correspondance requesting this information and each corportation and agency have failed to provide me the poroper supporting documenation. I have attached a copy of my FTC REPORT filed with the federal trade comission as well as the supporting documentation that these corporations have ignored and failed to handle in the proper manner.
Product: Student loan

Navient is the servicer for my XXXX  loans incurred through graduate and medical education at XXXX University and XXXX University XXXX XXXX XXXX between XXXX and XXXX. I consolidated these loans in XXXX and they went into formal repayment in XXXX on a XXXX  year plan. I pay this loan on time and have never missed or had a late payment.

Navient has declined to offer me the Federal COVID interest deferment that started in XXXX, stating that, although these were originally Federal student loans, they have no obligation to honor the Federal interest deferment. I am lodging a formal complaint regarding this as undue burden and contrary to the intent of the CARES Act for Federal COVID relief.