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

This communication is in reference to my LexisNexis Accurint Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to permanently remove the inaccuracies that I have identified in my LexisNexis Accurint Report. The items in dispute are the Incorrect Phone Records that you are reporting on my LexisNexis Accurint Report ( See attached Supporting Document # XXXX ). This is my fifth notice to LexisNexis regarding the Incorrect Phone Records that LexisNexis Accurint is reporting on my LexisNexis Accurint Report. This information is inaccurate because I have NEVER had the phone numbers that LexisNexis Accurint is reporting and I have NEVER been associated with the phone numbers that LexisNexis Accurint is reporting. Additionally, LexisNexis has previously reinvestigated these incorrect phone numbers and determined them to be UNVERIFIED ( See attached Supporting Documents # 2 and # 3 ). I kindly request that LexisNexis Accurint promptly and permanently rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.
Product: Credit card or prepaid card

I called into the call center and made a payment arrangement to pay off the balance in full. I requested a payment to run for XXXX on XXXX  XX/XX/22. Because this would have fallen on my payroll date. I requested the payment to be taken out on my Checking account. Instead they processed the payment on an earlier date XX/XX/22. I called the customer service number XXXX. I advised them of the payment coming out of my account early and I advised that I was also charged a XXXX return check fee from my back. This has over drafted my checking account. They were not interested in making this right and proceeded to advised me that they want payment and would not refund me the full payment and would not be giving me the XXXX I was changed because of it. This is putting me into a hardship situation. The money I did have in my account was to pay for the temporary housing I'm currently living in. Without this money I will be homeless. I'm wanting the funds refunded to me ASAP. I also want the XXXX that was taken early and the XXXX Nsf fee charged by my credit union refunded. As well has any other charges that I may incur because of the mistake. I'm requesting that this item be deleted from my Credit report. Also I'm requesting Wells Fargo bank to Cease and Desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my express consent orally or written neither did I authorize these inquires to be furnished on my consumer reports pursuant to federal law from the following corporations : XXXX. XXXX XXXX XXXX - XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Number : XXXX for identity theft
Product: Money transfer, virtual currency, or money service

I made a XXXX transfer for {$2300.00} from my bank of America checking account which in error was sent to the wrong account. Once I was aware of the error I contacted Bank Of America online services regarding the error. I was told the process could not be stop at that time but once the transaction was complete they would be able to retrieve my money back. The next morning I went into a BANK OF AMERICA Branch I spoke with a bank representative regarding this matter and was told that there was nothing he could but file a claim. I told him I has filed one already so he check the status and said it was still processing and once it was complete they could retrieve my funds. After a few days when my money was not place back into my account I called a online representative and then I was told that they was not able to make contact with the account holder in which the fund was place their was nothing else that they could do because it was a third party transaction and that I would have to contact the account holder. I do know the person who account the FUNDS was deposit and BANK OF AMERICA refuse to provide me with that information. BANK OF AMERICA states it has no responsibilities or liabilities to protect its customer from fraudulent XXXX transaction and XXXX in error transfer because XXXX is a third party. XXXX is a U.S. based payments network owned by XXXX XXXX XXXX. A private financial services company owned by the banks. In which BANK OF AMERICA is one of the owners. My money transfer was not a third party transfer XXXX is part of BANK OF AMERICA.
Product: Bank account or service

One day Paypal put a limitation on my account. They told my friend, who I sent money to, that I had been " hacking into accounts. '' ABSOLUTELY not true. They pulled the money back from my friend 's account and put a hold on my account. I provided every bit of information they asked me for and they kept asking for more stuff. I would submit something, it would be approved, and they would add XXXX more things. Finally, they said my account is " related '' to the accounts under the following e-mails " XXXX '' and that {$500.00} is owed. So they have locked up {$1800.00}. They even went into my bank account and made an unauthorized withdrawal of {$29.00}. I do not owe Paypal ANY MONEY and it 's illegal for them to be holding my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of correspondence from Persolve Legal Group dated XX/XX/2020 regarding debt that I have no knowledge of and does not appear on my credit report. I have responded. I am a senior citizen and they continue to harass me which negatively affects my health.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$180.00} XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$750.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$12000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$250.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed that XXXX, TRANSUNION and XXXX illegally allowed collection agencies has reported this debt to my consumer report. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, also this violates the FCRA section 605B which states that it is " illegal '' to report information to my consumer report without my permission. I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provide written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and the debt collectors listed below including the original contract between me ant mentioned debt collectors within 15 days of receiving this dispute. 

XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XXXX date openedXXXX XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX  acct # XXXX date openedXXXX XXXX. XXXXXXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX acct # XXXX date opened : XX/XX/XXXX Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly. Done in good faith-All Rights Reserved-Without Prejudice-Non Assumpsit
Product: Mortgage

After my husband who was the sole breadwinner of our household became ill, are property fell into foreclosure. We put the property on the market and received an offer in XX/XX/XXXX. The offer was submitted to our loans servicer for a short sale approval. In XX/XX/XXXX, the buyer canceled because the bank took too long. Then in XX/XX/XXXX we received another offer which we again submitted to the bank for approval. Since XX/XX/XXXX we have done everything asked of us from the bank to attempt to obtain an approval. The bank again delayed, delayed and delayed some more. Unfortunately, in the course of attempting to secure the short sale approval, my husband died. Each time we have presented the bank with an offer they reject it for being too low. The buyer came all the way up to {$540000.00}. The lender has had this offer since at least early XXXX. I ordered an independent appraisal of the property earlier this year which came back at {$510000.00}. Today when we contacted the bank, we were advised that on XX/XX/XXXX an appraisal was conducted and home appraised at {$470000.00}. When we asked about the status of the {$540000.00} offer that the buyer had submitted several months ago, we were advised that the offer had been declined by the investor. I was shocked. I do not understand how an offer which is {$70000.00} higher than the bank 's own appraisal could be rejected. After researching the matter a bit on the Internet, I realized that since this is a servicer who owns this loan, it may be that they are trying to delay the process to make more fees on the servicing of the loan. Or, in the alternative, perhaps the owner of the loan is simply going to make more money from a mortgage insurance claim. I can't figure out why this is happening to us. I have made a good faith, diligent effort to attempt to minimize the bank 's losses and to try to salvage what's left of my credit. However, the bank continues to delay and demand documents that have been submitted on multiple occasions and requiring the buyer to increase their offer which by their own admission is {$70000.00} more than the appraised value. I am no attorney but this seems like a highly unfair and deceptive business practice which this investor and their servicer are engaging in. I would appreciate any help you can provide in investigating this matter.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of LoanCare , LLC data breach. I never gave permission for my data to be shared, I have struggling for years due to another data breach from XXXX in XXXX  that is still affecting me today and now I receive this letter.
Product: Credit reporting

State of California XXXX posted Erroneous state tax lien {$260.00}. When they investigated after I disputed, they released the lien as, to cancel erroneous lien no fee required, XXXX and XXXX has deleted this from my report. Equifax refuses to delete erroneous information, even after sending certified copies from the County Recorders Office to them. They stated once they information it stays seven years, no exceptions, they have the right to destroy credit.
Product: Vehicle loan or lease

The vehicle that was purchased has an extended warranty with XXXX XXXX as well as a factory warranty with XXXX dealership. There has been problems since my purchase of the vehicle. The transmission has problems along with the engine. The vehicle slips into neutral often. Ive gone to multiple mechanics to get the problems fixed. The codes that were found from the diagnostic with XXXX XXXX says there is a electrical wiring problem along with a transmission problem. As well as the same model, make, and year there was a re call for the same exact problems. The extended warranty company ( XXXX ) along with drive time and XXXX are all pointing fingers at each other. Ive lost lots of money from missing work as well as out the pocket fees for this vehicle. Something has to happen.
Product: Mortgage

Hello this complaint is towards my mortgage company Lakeview/Loan Care. On XX/XX/XXXX I received a notice from my county auditor stating one of my two parcels I own is going up for  property tax sale due to them not being paid. My loan was a USDA rural housing loan and it required all taxes and insurance be escrowed and this hasn't changed. The notice indicated the amount subject to sale was {$1000.00} which included the taxes not paid and all the penalties for non payment. I have called my mortgage company everyday but 2 trying to get this resolved. The notice stated if {$970.00} was paid by XX/XX/XXXX your name and property would not be listed in the local papers and county website stating tax payments have not been paid and now being sold at the county auction on XX/XX/XXXX. After sending the notice to my mortgage company and being told by one of their customer service people that it had been received and would be reviewed and closed by the XXXX. I made repeated calls and continued to get the run around from their customer service people and managers. They then changed the date to XX/XX/XXXX. On XX/XX/XXXX I called and asked for update and nothing again. But that customer service person told me if I paid the fee and provide proof I would get reimbursed. The following morning XX/XX/XXXX I paid a fee of {$960.00} to prevent it from being made public record because I pay my bills and didn't want the humiliation of such a post. I immediately sent the proof of payment to the customer service website as directed. The county treasure took off the most recent late fee from my mortgage company paying late for the other parcel. On XX/XX/XXXX a manger informed me that they do not do reimbursements of this type and I should not have been told that. The manager just kept saying the money was not in my escrow so there was nothing left to pay out. Told me that they will be doing a end of year review and my payment will be going up to cover the additional cost. How is this possible when nothing has changed since the day I purchased my property and home? They paid them in the beginning but stopped which resulted in the situation I am in now. How does a company get away with this?
Product: Mortgage

I applied for a cash-out refinance with NewRez on or around XX/XX/2021. I wanted to take out {$30000.00} in cash to pay for improvements, including a new AC unit and some kitchen renovations. During the process, I asked my loan officer what would happen to the escrow funds on my now-previous loan, and was told by my loan officer that I would be refunded these funds after closing. 

After this point, my wife and I began getting estimates for a new AC unit and other home improvements. In mid-XXXX, I received an updated Closing Disclosure that indicated I would be receiving {$26000.00} in cash out instead of {$30000.00}. I emailed my concerns and my new loan officer ( who had replaced my initial loan officer ) called and told me that the amount had changed because, in part, I had to pay for the escrow on my new loan up front. I reminded my new loan officer that the previous loan officer had told me I would get a refund for my previous escrow funds, which at that point had totaled {$3400.00}. I asked if I would still be refunded this amount after closing. He confirmed I would. Because I was not getting the cash out that I expected, this refund meant I would still have {$30000.00} for the improvements we had budgeted. 

I signed closing papers for my loan on XX/XX/2021. Except for the cash out figure rising slightly to {$27000.00}, I did not notice anything unusual during signing. My loan funded on XX/XX/2021 and the funds hit my account the following day. 

On XX/XX/2021, I sent the senior loan processor on my loan an email asking when and how the refund from my previous escrow account would arrive, as had been promised to me. The processor claimed I had signed a document during closing that authorized NewRez to apply my previous escrow funds to my loan payoff. The processor sent an unsigned copy of this document, which I do not recall seeing before. My wife and I both went through my loan file provided to us by the notary several times and could not find a copy of this document. 

So, first, I was told I would receive {$26000.00} cash out + {$3400.00} escrow refund for a total of {$30000.00}. We ended up getting {$27000.00} and no escrow refund. Even if I signed the paper NewRez claims I did -- and I DON'T believe I did -- where did the other {$3000.00} go? 

As a result, we now are forced to cut our home improvement budget by 10 % or take out a second loan.
Product: Credit card or prepaid card

An account was opened by someone who took my identity. I did not open it.
Product: Credit card

Company closed my account within XXXX  days on XX/XX/year> after they stopped my automatic payment in XXXX and thereafter Lead me to believe the account was to be current if I made a XXXX payment in XX/XX/year> but lied and upon calling the company on XX/XX/year> they gave me verbal notice that my account was closed.
Product: Money transfer, virtual currency, or money service

I have had to make multiple accounts do to fraud and hackers being able to take money out of my account. Ive asked Cashapp to help and all they do is lock my accounts down that still have money in them and I cant get back into them. Theyve also randomly shut down my accounts due to fraud with out any notice.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRANSWORLD SYSTEMS would verify the debt. So I took it upon myself to ask TRANSWORLD SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I once had a Personal Checking Account that was subject to over seas fraud transactions that hit both my Account Number as well as fraud transactions through XX/XX/XXXX I contacted the bank immediately after noticing my account was hit multiple times for different amounts. The Account Debit Card was closed and I did report this to the Credit Bureaus and I also had Fraud Alerts placed on ALL Credit Bureaus. 

Now my So Called Charge Off Amount is being reported to XX/XX/XXXX even after I have filed out Fraud Paperwork through the bank its self as well as filing out a pervious ID Theft Affidavit through a Government Website. 

I have proved this was fraud and I have had frequent contact with the bank and no one has called me back even after I requested a call from a Senior Member of Management. 

I have also contacted XX/XX/XXXX and I have disputed them and asked for another deeper investigation to be preformed. 

I have had NO resolution as of date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has reported student loans that I held with them is delinquent during XXXX which is incorrect. I have contacted the company and they stated I need to dispute with the credit bureaus which I have done on 4 separate occasion. I have also submitted documentation of my account from the company 's website showing that the accounts have never been delinquent. As these are federal student loans had they been delinquent additional actions would have been taken by the company. The account shows the following : In XX/XX/XXXX paid as agreed, XX/XX/XXXX 90 days past due, XX/XX/XXXX 120 days past due, XX/XX/XXXX 150 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX no data submitted, XX/XX/XXXX no data submitted, XX/XX/XXXX paid as agreed. This same reporting was done on all 7 of the accounts that I had open at that time with " Dept of Ed/Navient '' Accounts beginning with XXXX. I do not have anywhere else to contact, the bureaus state I must work with the creditor and the creditor states I must work with bureaus. I have been attempting to correct this error for more than 3 years and am at a loss as to what to do next. This issue has cost me several thousands of dollars in increased interest associated with the impact this has had on my credit score.
Product: Credit card or prepaid card

Not the first problem with Bank of America. Their business model is to take money from consumers to which they are not entitled, and then refuse to give it back on a timely basis. 

While the amount in question is not that large, if they repeat this process with thousands and thousands of consumers, it gives the bank funds that they can invest and earn money at the expense of innocent consumers. 

If I did that, I would be arrested and charged with a crime, but Bank of America feels they are above the law. 

On XX/XX/XXXX, I made a {$3500.00} payment to my account ending in XXXX. At that time, the balance was {$3600.00}, with the account in good standing. That same day, I made a payment of {$170.00}, paying the account to XXXX. 

The next day, my account was debited for {$120.00} which was presumably the amount due under the autodebit which was set up to pay the minimum payment, resulting in a credit balance of {$120.00}. OK, I guess that could happen, maybe the debits/credits " crossed in the mail '' so to speak. 

But my issue is, Bank of America REFUSES to give me my {$120.00} back, on a timely basis. My suggestion was, apply the {$120.00} to a {$360.00} balance I have in another account, and they I asked to initiate a payment of {$240.00} so both accounts would - today - be at a XXXX balance. 

Bank of America said, OK, but it would take 1 or 2 billing cycles to do. I understand why this is, again, BofA 's business model it to take funds they are not entitiled to, invest them, and give them back at a future time, making money off the backs of innocent consumers. 

Nice scam, maybe BofA can give seminars on how to scam money.