23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My husband and I have a joint credit card with bank of america XXXX. This card was solely to be used for vacations due to the rewards and great benefits of being XXXX members. In XX/XX/2018 we increased our credit limit on that card to {$4000.00} for a much needed summer vacation. The following month in XX/XX/2018 my husband lost his credit card and unfortunately the card was used to purchase merchandise in a retail store 'XXXX XXXX XXXX ' to a tune of {$3700.00}. We called in the fraud claim and the credit was reversed in our favor. A couple of months later the fraud charge was still there. We called in to Bank of America and they stated that the claim was reversed because we made the purchase. Very confusing because the card was not in our procession at this time of purchase. We called in today, XX/XX/2018 to confirm that we received the sales receipt that had the signature of this purchase -- and it was not our signature on the receipt. We faxed in to bank of america the signature verification form of both our signatures to prove they do not match this fraudulent signature. When we called in we asked for on update and the represeantive stated that we stated that we never received the cards which is a false claim. We were also told that the original claim was opened as an dis=tue not a fraud claim all of which is an error on Bank of Americas end not ours. We further found out that on the day of this transaction it was declined twice and who ever had the card called into bank of america to confirm the purchase was valid. Again this is very suspicious. Furthermore they are claiming that this person called into the bank of america call center from my phone which is another false claim. We have been battling with Bank of america for 5 months about this charge. This charge is out of the normal spending habits on our account and we should not be liable for this charge due to the burden of proof we provided bank of america. My concerns now due to this claim still being active on my account we are past due on the account and have a late payment which inturn is effecting our credit scores which will directly effect the ability to obtain any futex credit and or effect my ability to refinance my home loan which we are planning to do. This is a very serious matter that bank of america is using every loop hole not to assist there customer in any way. We received a letter that this was reversed in our favor and then it wasn't. We made this purchase because someone called in and approved it, very confusing from a consumers end. I hope that this can be resolved in the most expeditious manner possible - so that my credit report can be cleared of these fraudulent charges. 
Thank you XXXX
Product: Credit card or prepaid card

opened XXXX  account in XX/XX/XXXX, Because you could pay your rent and not have to pay the normal fee associated with paying with credit card, I paid XXXX on XX/XX/XXXX and it worked fine then on XX/XX/XXXX i paid XXXX went through but six days later came back though my apartment complex NSF so now have XXXX nsf check charge and also a late charge of XXXX, Now I can not use a check any more with my apartment complex because of the check being insufficient funds. this was suppose to make it better for me now it is a big problem
Product: Credit reporting or other personal consumer reports

I have tried several times to get this bankruptcy remove from my credit report. The information is not accurate and therefore it should be removed. XXXX removed the bankruptcy from their information because they didn't verify that the information was correct and thats where the bureau. 15 USC1681a ( 4 ) states there is a need to insure that consumer reporting agency exercise their grave responsibiles with fairness impartiality, and a respect for the consumer 's right to privacy. the courthouse has said that they don't give the information to third parties. I have provided the information to all parties. Also 15 USC 1681i ( 7 ) let 's me know that you are conspiring with the CRA 's against me and my rights. 18 USC 242. Also on my credit report all three bureaus are not reporting the same thing correct. This is not fair and I would like to this information to be remove from my credit report.
Product: Money transfer, virtual currency, or money service

On X/XX/2017 I transferred {$26000.00} to my Coinbase inc wallet, transfer id # provided by Coinbase Inc was XXXX, the email associated with the Coinbase Inc account is XXXX. The transfer was approved by my XXXX XXXX XXXX representative but I never received anything from coinbase in response, not even a transaction confirmation email or receipt. They advertise online transfers take 4-5 business days but the wire is n't even pending in my coinbase account. I submitted a claim to coinbase and reached out to their customer service multiple times via email, claim submission online, and their twitter customer service account but the company is unresponsive.
Product: Checking or savings account

On XXXX i was called from a Wells Fargo identified number on my phone and was told that the male was from the Wells Fargo Fruad detection, and I had a Suspious wire on my account, I told them that XXXX didnt wire anyone anything, and they give me a name that is I did not recongize. They then said that it was attemped and they need to shut down my online banking to prevent it from continuing and for them ot investigate. They sent me a verification code trhough the Wells Fargo SMS number ( 5 Digits ) that Wells Fargo uses to send me information regularly. So with all the seemingly legitimate verifications i provided the caller with the required info. They said my online banking access was suspended. they where to call back the next day with investgation information. They did again from the same numbers as before. they told me that my access to onine banking was reatored and I needed to log back in and change passwords. when i logged in i found that it was not changed or blocked. I then became worried and called Wells Fargo Fruad Dept and found out that noone had called, after explaing to situation they told me to go a brach to be ID verified which I did as soon as possible. The Branch called fruad back and verified me and the told me that there was a second wire being prossed. I told them the that was not authorized and they sai they could stop that one as it had not left the bank yet. But the XXXX one that was sent the day before was gone and they would open a investigation into it. We cleaned Phones changed acounts as requested by the Banker. On XXXX recived the attached letter stating that there investigation was completed. I called the WF Bank and was told the the money was wired to a account at XXXX Bank and when they checked to account was empty. So I would not be getting any funds back
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I filed a dispute with all three credit agencies regarding a late charge that was reported as a result of charges accumulated from a stolen credit card.

XX/XX/XXXX : I am attempting to pre-qualify for a mortgage. XXXX can not pull my credit from Equifax as equifax is stating there is a fraudulent alert/freeze on my credit. I contacted Equifax where I was assured the alert would be lifted within 48 hours XX/XX/XXXX : XXXX still can not access my equifax report. I contacted equifax 4 additional times this day -- even conferencing in my mortgage loan officer. I verified my personal information and was also assured I did not have any type of block whatsoever on my file. On this same day, I attempt to obtain my free credit report from XXXX and equifax stated they will not provide it to me unless I resubmit multiple different forms of identification. This
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, I filed a chapter XXXX  bankruptcy case number XXXX which included an auto vehicle, a XXXX XXXX XXXX for a loan that I had taken out with XXXX XXXX XXXX out of XXXX, XXXX. In the bankruptcy filing, I continued to make payments to Springleaf Financial for a " cram down '' that was done on the auto loan. It was my understanding that at completion of the bankruptcy, after discharge that the lien on the vehicle would be released and that I would be sent the title to the vehicle. The bankruptcy discharged on XX/XX/XXXX and I've yet to receive the title for the vehicle. In fact every company that I've contacted that had a hand in the proof of claim, transfer of claim and every other step claims that the are not responsible for the lien release on this vehicle. My problem still goes further. I since re-established myself and needed to purchase a reliable vehicle and have attempted to trade this vehicle. With the assistance of a local car dealer, they've tried to assist me with obtaining the title, the Division of Motor Vehicle for XXXX XXXX show that XXXX XXXX XXXX, the original lienholder has yet to release the lien/title. XXXX XXXX XXXX has been deemed a failed bank and has been out of business since XX/XX/XXXX. I have documentation that Springleaf of XXXX  filed a proof of claim for the balance of {$5500.00} on XX/XX/XXXX, a transfer of claim was then done by XXXX XXXX on XX/XX/XXXX. After contacting XXXX, I was informed that Springleaf recalled the debt due to the account being paid prior, the recall was completed on XX/XX/XXXX. Springleaf has said that they show this account- reference number XXXX  as an unsecured debt and therefore have no lien to release. I've held up my end and completed all payments agreed upon as requested. I simply want the title to the vehicle so that I can move forward and on from this bankruptcy. It seems as if the laws don't cover the consumer and basically banks on the consumer not completing the payments due on the bankruptcy. I've made attempts to contact the FDIC since XXXX XXXX is now out of business. Again, I simply just want the title. I've spent countless hours on phone calls, writing letters, faxing and researching and no one seems to want to assist me but there was no issue cashing payments that were received for the debt. The dealership has offered me compensation for this trade and due to this issue I may lose the money on the t and
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, tracking number XXXX certified letter 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The cred it bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened the account with XXXX ( owned by XXXX XXXX/netspend ) since last XXXX, from the start, the bank service was horrible. Unreachable customer service, extremely long hold on the phone, and non responsive email communications. On top of that, the access to my account was inconsistent. Frequently with no reason at all they lock my account and force me to call them, but every time i called, after long hold they transferred me back and forth and give me a run around. On XX/XX/XXXX they locked my account again and when i called they asked me to send them my social security card and my picture ID, which i did. Then on XX/XX/XXXX asked me to send proof of my address, which i furnished with my 2020 year end 1099 tax form on the same day. Following week i heard nothing from them despite their 24 hour turn-around promise and my repeated email inquiries. Finally on XX/XX/XXXX they responded to my phone call and told me they finished reviewing of my documents and my account was unlocked. 
However, on XX/XX/XXXX, my account was locked again, and when i called them they told me the proof of address ( my tax form ) that i sent them on XX/XX/XXXX was not accepted. They claimed the picture needs to show all 4 corners. So on XX/XX/XXXX i resent them my social security card, my picture ID, my 2020 1099 tax form from them ( XXXX ) and my XX/XX/XXXX mail from XXXX which all showing my name and mailing address. I received their email acknowledging the receiving of the documents and again promise of 24 hour turn around. Today is XX/XX/XXXX an i still haven't heard from them and my account is still locked. I haven't been able to access to my money for more than a week now. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Had XXXX insurance at the time still do, no reason why I should have a collection debt from XXXX emergency physicians.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

I received a letter on XX/XX/23 that was dated XX/XX/23. The letter was from Genesis FA Card Services, XXXX XXXX XXXX XXXXXXXX, OR XXXX. The creditor stated that the card had a balance of {$75.00} which was. The annual fee. The card was addressed to me at my current address. The letter said thank you for XXXX them know about my change of address. Weve updated your chance of address on your Destiny Mastercard Account It also stated if I had my mail forwarded another letter was sent to my old address. Genesis states to call XXXX if the address shouldnt have been changed. 

I called Genesis FS card Services who told me to get a police report and also report to Federal Trade commission. I called the Sheriff Department today and the Detective is supposed to call me on Monday.
Product: Credit card

I am a XXXX, and my crediti card was used by a former employee to pay his own bills. I have been fighting with XXXX XXXX XXXX since XX/XX/2016 about this. I have filed a Friendly Fraud Report with my local Police Dept. The CC Company will do nothing about it, even after providing them with numerous copies of paperwork.
Product: Checking or savings account

Having a Problem Trying to Open a Saving Account With M & T Bank Online XXXX, you will need to visit a branch to open your new account Sorry, we couldn't confirm your identity at this time. Please visit a branch to open your new account. 

Remember to bring the following items to the branch : Government Issued ID Your social security card Proof of your address Find an M & T Branch near you All M & T Branch are Closed and i cant open My Saving Account Online i Contact M & T Customer Service and they are Unable to Open My Account Over The Phone Due To COVID-19 All M & T Branches are Closed and am not able to Open My Saving Account Into My Existing M & T Bank Account Please Help
Product: Money transfer, virtual currency, or money service

My Cash App account has been put on hold for something that has to do with me or Business.

Cash app allowed an unknown creditor to enforce a lien filed against someone that is not me. else businesses and personal receivables, which somehow got my identity mixed up as the wrong secured party. This lienholder is seeking repayment for a debt I have nothing to do with. They have taken action by sending notice of the lien to cash app and cash app didn't carefully do their due diligence properly to identify me as a person.. it is not lawful to place a hold on my Cash App account to keep me from transferring any funds from your balance.
Product: Checking or savings account

I fell for a relationship scam and she used an app that I dad set up to steal {$400.00} from me. But the bank finds nothing wrong with my dispute the first time. Now the second time the bank has me under XXXX. I'm scared they will find nothing wrong again and I'll lose {$400.00} to the scammer. How do I fix this?
Product: Checking or savings account

I made a deposit in the atm at Truist bank on XX/XX/XXXX. Deposited {$300.00} and the machine spit out {$17.00} and then a recipt that said can not process your deposit at this time. So we go in the bank and they cant do anything. XXXX handles their atm.so they give me the customer service number I call and they said they can give me a provisional credit after an investigation. I was assuming Id get my money right away. Seeing as this was their machines error. Ive been waiting for days and nothing. So I call today, and they transfer me to another department. They said that I need to just keep checking to see if the money is deposited. At this point I need to pay my bills. This situation is completely unacceptable. I dont understand how Im being robbed by my bank.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received a text message asking me to confirm a {$3500.00}. Zelle payment, from supposedly my XXXX XXXX bank fraud dept. When the I replied that I didnt authorize the transfer, I received a phone call supposedly from my XXXX XXXX bank. The phone number showed up on my caller ID as XXXX XXXX bank. I was then walked through instructions on how to reverse the unauthorized claims. What really happened, though, is that I transferred money directly to the criminals. Since my daily limit was set at {$1000.00}. They were not successful stealing the said {$3500.00} amount. 
As soon as I suspected something was not right I contacted my XXXX XXXX fraud dept., and filed a claim with my bank as well as with Zelle. Upon they're review they both denied my claim. Basically blaming me for being a victim of theft.
Product: Vehicle loan or lease

I have had to file multiple complaints with this unethical organization. 
The last complaint XXXX was closed from communicatio on XX/XX/XXXX which stated they would respond to arbitration such as is my right in the contract ( similar to my right to being informed of lease end charges and having the chance to rectify before they are charged ). They did not honor that part of the contract, nor to respond to Arbitration. Attached is the notice from the Arbitrator stating BMW financial did NOT respond. 

XX/XX/XXXX I received A COLLECTION notice from XXXX from First Source Advantage - using unethical tactics stating that I owed the money and they will chase me it didnt matter that the matter was pending arbitration. 

I have included a copy from the arbitrator proving BMW did not respond similar to my multiple requests to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested an investigation into several accounts there are reporting erroneously on my credit file with Equifax. I asked them to validate the accounts and send me documentation of their findings. On XX/XX/2020 I received a letter from Equifax stating they had completed my disputes and informed me of updates made to my profile, but did not send any documentation proving said accounts had been verified properly. I sent another letter on XX/XX/20 asking for written documentation, such as a signed contract between myself and the creditors they are listing, but no such documentation was received. I went online and requested a new credit report from Equifax today, XX/XX/20, and I noticed there is an account with XXXX XXXX that they stated was previously updated that has updated with INCORRECT and even more damaging information. A closed account is now reporting as over 120 days past due and is not reporting a date of last activity, which is a requirement!!! Equifax has not responded to my requests since XX/XX/20 and I believe this account should be deleted!!