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

I requested a wire transfer from my account at XXXX to a recipient at Bank of America. The recipient is an investment fund to which I've wired money numerous times previously. 

I requested the wire transfer on XX/XX/2021 from XXXX. On XX/XX/XXXX, Bank of America made some sort of XXXX related request from XXXX. XXXX complied on XX/XX/XXXX. On XX/XX/XXXX, I received an email from the recipient saying that they hadn't received the money. So, in the two weeks between requesting the wire ( which cost me {$25.00} ) no one from either institution contacted me to tell me that normally-almost-instant wire transfer was delayed. 

On XX/XX/XXXX, I confirmed with XXXX that the money had been transferred to Bank of America two weeks earlier. On the same day, I called Bank of America to follow-up on where my money was. Never mind that there's no easy to contact anyone to follow up ( after all, I don't have a bank of america account and their customer service lines require that you enter a bank account number, which obviously, I didn't have ). Eventually, I called someone through their investor relations line, who routed me to someone who could assist. That person said that the money had been released. 

I believe that Bank of America only released the funds once I contacted them to complain and not before. Holding funds for a wire transfer for two weeks is unacceptable. And it is unacceptable when there is zero communication about what happened. 

Given the claims of this being an XXXX issue and Bank of America 's prior discriminatory treatment of XXXX  ( including closing down bank accounts ), I believe that I was targeted on the basis of religion and ethnic background ( having an XXXX  name ). Bank of America, of course, will claim that they do not discriminate based on religion or ethnicity. Of course, when XXXX names are used for the XXXX screening, then those names serve as a proxy for religious and ethnic discrimination that has a direct and disparate impact on XXXX.
Product: Debt collection

Hi, I have two collectors that keep contacting me - the first one is XXXX XXXX - everyday they call and say they say Im going to be arrested, a warrant is issued for my arrest or something a long those lines - I have informed them 100 times that this account is not mine and still they keep calling harassing me - my identity was taken and the person who did so, got a phone, car, and a lot of other hints from what I see on my credit report - Santander is the other one who calls atleast twice a week to inform me that I am going to be issued a summons to be detained for collection, when the car and account isnt mine either! I dont even drive & Im XXXX! I need help getting this to end and fixing my score its affecting my mental health daily and my family and our daily life - its aweful and torture
Product: Credit reporting, credit repair services, or other personal consumer reports

for almost 4 years now, I had a credit card with XXXX.When XXXX announced that they will be leaving the XXXX last year of XXXX I was not able to see my credit score on my Credit report. recently I called one of the bureaus XXXX, and they said XXXX has not been reporting for almost a year. also called the bank the acquired my Credit card account from XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and they told me after the first billing cycle I should be able to see my report. I am now on my 3rd Billing cycle and still do not have a score computed. This has affected me in my last 3 inquiries on my credit report, because I got decline 3 times because the institutions was not able to see my report and noted it as that i have no credit history. Also it stopped me from managing my credit because I can't see my score either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. XXXX  is reporting that I am ( 30 ) days late on this account as well. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and the late being reporting by XXXX  is also harming my credit score. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I made my minimum payment the day after the due date. I was in the process of moving my daughter into her college dorm and there was so much to keep up with, that is was an oversight on my part. I made the payment the very next day. However, I'm not sure I understand how my payment is considered 30 days late when it was made one day after the due date. How is this possible? If you take a look at my account, you will see that I didn't have any late payments prior to this oversight. Please review my submission for a XXXX goodwill update to remove the 30 day late status and negative reporting from my credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than XXXX days to complete my investigation.
Product: Mortgage

contacted XXXX XXXX, [ XXXX XXXX/cardinal financial ] regarding mortgage re-fi. he promised a cost free loan fixed at 3.50 % 30 yr. loan. he promised out of pocket fees, tittle and escrow, would be at max {$5500.00}, and the loan would be exactly what was to pay off bank since then, XXXX [ XXXX ] and XXXXwo girls from cardinal financial, XXXX XXXX and XXXX XXXX have very cleverly added {$3000.00} or so the cost of the loan. there has been dozens of excuses, mostly from XXXX regarding the increases. each day, a different excuse. I`ve told both companies that the payoff was wrong over and over and the out of pocket cost went from {$5500.00} to {$8000.00} to {$4900.00} to todays {$7300.00} and just within a couple of hours down to {$5800.00} very cleverly. different excuses every day mostly from XXXX as usual. but todays excuses were brought up by the new girl XXXX XXXX, where she came up with new escrow fees, interium interest fees, and interest rate charge fees. none of these I had ever herd before. always a new excuse. what happened to the no cost loan? I understand the appreisal, escrow, and tittle fees are my out of pocket fees, but the rest is a poorly designed scam to change a cost free loan to a high cost loan. please help ... XXXX
Product: Mortgage

mortgage payment increased without notice from approx $  XXXX  to $  XXXX .   I have automatic payment setup ; my account did not have enough to cover the {$570.00}. They called me stating that I owe {$570.00}. I did not know why it was {$570.00}. The caller did not know. therefore, I told the caller to research, call me back and I will pay if it is something I owe them. She did not call me back with the answer. I received another call again. eventually, someone was able to transfer me to someone who could help with the issue. I told the lady I never received a notice stating that my mortgage payment has increased. Change of mailing address was reported. She said someone from executive mortgage department will contact me.  XXXX   XXXX , mortgage officer, called me. I explained my issues. She said she will research and call me back. in the mean time, next month 's payment was coming due. I said I can not pay for something I do n't know what I am paying.  XXXX   XXXX  called me back eventually and explained. I payed the two monthly payment I owed. However, I explained to her that I should not have been charged late fees and also that I was charged overdraft fee from the other bank. She said she will look into it. she asked me to fax her bank statement. I faxed it. few days later, when I called her, she was not in her office. Later someone else called me back. she said she will be working on my case. I also requested that late payment should not go on credit report since it is not my fault. I was never late with my payment before this incident. She said she will mail me some document where I can request not to go on my credit report. I never received it. During this time, many times I had to correct my address. they say it is incorrect in the system. It almost sounded like the person before typed it incorrectly. it happened several times. mortgage officer said I need to give her exact date when I initially requested change of mailing address. I do n't have those dates because I did not think I would need it. I feel that they do n't care about their mistakes. they are not willing to work with you. I paid both payment as soon as they explained to me why my payment has increased. late payment on my credit report will hurt my credit. I was charged late fees and overdraft fees due to wells fargo pulling {$570.00}. If I had known my payment has increased, I would have made sure there is enough money before they pull the mortgage payment. I was never late on my payments before this. This is very frustrating and disappointing. I feel helpless. They are big company and I am just a small person. I feel they do n't care. It is not fair. In future, I will never do business with them. This will be my last mortgage and last acct with wells fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS MAY BE  SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Car was repossessed w/o any missed payments. 
Requested debt validation letter and havent received in over 2 years.
Product: Credit reporting or other personal consumer reports

After examining my credit report, I identified inaccurate accounts that were not the result of an error
Product: Mortgage

I made a payment on the XXXX, which was a Friday, due to how XXXX XXXX XXXX   processes payments, the payment is processed until the next business day which would be Monday. 

the XXXX is the last day to make a payment or you're late/ Anyways, This time I decided to use XXXX bank through their API that they integrated on their ( XXXX XXXX XXXX ) Online Payment Portal ... Come to find out 2 weeks later that although i was given a receipt and confirmation of payment, the payment had an error and they would be charging me late fees+ interest+ reporting to my credit. 

After making an immediate payment after coming to find out how they XXXX  up royally ( i even made the next months payment at the same time just so I don't have any issues again ), they said they would fix my credit reporting to make sure it doesn't hit on my credit. 
Loe and behold another 2-3 week goes by, I check my credit score and it's gone down 115 points due to " missed payment '' on the mortgage ... I filed through XXXX, no success. I have been in contact with XXXX and they refuse to give me the credit departments phone number, they take 2 weeks to respond to simple emails and at this point, I want to hire an attorney and take them to court for damages they've caused.
Product: Debt collection

THE XXXX HOSPITAL BILL WAS SETTLED IN XXXX 2015 AND IT IS STILL ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name:XXXX  XXXX Account number : XXXX. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account numbers XXXX XXXX ) : ( 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off/settled in XXXX of XXXX They are incorrectly reporting it as a charged off account purchased by another lender Account name XXXX XXXX  Account number XXXX XXXX. 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX. {$440.00} written off. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX XXXX Type Credit card Terms XXXX Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX XXXXTHIS WAS NOT PURCHASED BY ANOTHER LENDER AND THIS WAS NOT WRITTEN OFF. THIS DEBT IS PAID/SETTLED!
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, LA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 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 TRANSUNION 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: Money transfer, virtual currency, or money service

My phone was stolen. 

I called cash app to transfer funds. 

I went through many hours of calls/emails & completed the steps they instructed me to take to verify my identity and to recovery my balance. 

They are refusing to transfer fund. 

The last & most recent recent was because I cant access my old account/ old emails. 

I can access my emails & they told me to close the account as part of the process to recover the funds. 

They are refusing to give me my money but instead keeping my money
Product: Credit reporting, credit repair services, or other personal consumer reports

18 U.S.C 8 : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDU XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 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.

15 U.S.C 1666a : 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. 

15 U.S.C 6801a : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S.C 6802a : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C 6802b : Opt Out Family Educational Rights and Privacy Act of 1974 20 U.S.C 1232g 34 C.F.R 99.30 : Must have parent or eligible student written consent to disclose information
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, My credit score reported to XXXX XXXX by TransUnion was XXXX. During the month of XXXX, we sold a house which closed a mortgage, HELOC and paid off a vehicle. My credit score took a dive to XXXX in XXXX because we CLOSED 3 accounts. I contacted XXXX to discuss this, and they told me to contact a credit consultant to get my credit rating back up - I DON'T NEED a credit consultant to take out more credit - I need my credit score back to where it was prior to closing out my accounts. The fact that my credit score would fall 37 points because I paid off and closed accounts in which I owed over {$120000.00} is insane. No one will update my credit score.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.