23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021 I attempted to transfer {$500.00} from my Bank of America Account to myself via XXXX. I was using the Mobile APP on my phone. I selected Myself form the mobile app for the funds to be sent to myself. The account that I selected has my name and mobile number on it. After I selected the account for the {$500.00} to be transferred to myself, I received no confirmation of my transfer and I waited. I then went back to my bank account via the mobile app and noticed that the phone number on the XXXX account listed on my account was XXXX. My correct number is XXXX. I immediately contacted Bank of America via the phone number listed that is located on their website. I was told that in fact the funds had been transferred to the XXXX number and that I would need to file a dispute and they transferred me to a representative. The representative took my information and gave me a claim number. She advised me that it could take 10-45 days to resolve the dispute and get my money returned to me. I called the phone XXXX number to try to contact the recipient and left a message describing what had happened and that the funds were sent in error to that number. I called Bank of America back the next day and was told that the funds were deposited into a Wells Fargo account and the they had the name of the person who received the funds. I was told that even though they had the information and they new the bank and person, I would still have to wait 45 -90 days to find out if I could get my money back. I received a notice on XX/XX/2021 from Bank of America stating that the transaction had been looked into and it was determined that the the transaction was valid and that no credit would be issued to my account from Bank of America. The letter further stated that " as a courtesy '' they would look into it and try to recover the funds for me but that it could take up to 45 days. They will not guarantee that my money will be returned. 
My complaint is that I believed that this XXXX service was a " safe '' way to transfer my money. Bank of America states on their Mobile App that XXXX is a " safe '' way to transfer money. However, it is not. I believe someone " hacked '' into my account and changed my phone number that XXXX used. My phone number in the Bank of America account is correct. However, when I went to use XXXX for some unknown reason that did not populate my correct phone number and instead used the XXXX number. I have made several attempts to call this number and no one ever answerers and never returns my phone calls. I believe that Bank of America should credit my account because they did not protect my account with from scammers XXXX. They are false advertising by stating that XXXX is a safe way to transfer money and I believe my account was hacked into and someone changed my phone number.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with title loan I requested what I needed they process it for the value they felt it was value at {$2400.00} I repay {$1400.00} and owe {$2200.00} I was a month behind I made the payment online the same day my car was repossessed but it wasnt in the system. They took 2 days I miss work and I already lost my home so they can fix the paperwork to show I was in repossession and charge extra fee to get more money. The gentleman at the Titlemaxx store informed me to make the payment and called the store they stated he didnt say this I have it on my phone transcript. I want to be reimbursed for day I waited for my missing days They blocked my account so I cant have access to documents I signed
Product: Money transfer, virtual currency, or money service

I deposited 3 checks on XX/XX/2023 and called chase bank customer service on XX/XX/2023 to ask about why my checks weren't deposited and they said they couldn't verify my checks and another representative said to wait until XX/XX/2023 so my checks can clear and that my money would be available to use. I called customer service on XX/XX/2023 and they said they weren't able to verify my checks. I talked to a customer service on XX/XX/2023 and the representative said the number they were calling to verify my checks was invalid and didn't ring at all, so I asked to talk to a manager and she was able to verify my checks but she said my account was closed and she needed to send a request so it can reopen. I called customer service on XX/XX/2023 and talked to a manager and he said my money was on suspension and he needed to send in a request to get my money back and it would take until XX/XX/2023 for a response. At XXXX XX/XX/2023 I called chase bank customer service at XXXX because I can't send money thru XXXX in the chase mobile app. Customer service said they couldn't verify me thru my phone number because there system wouldn't allow it and they were not gon na help me and refused to let me talk to a manager or supervisor and hanged up on me. The second time I called customer service they said they needed to send a request to allow my XXXX payment go thru and it would take up to 24 hours to be approved. I am still waiting for my money from my 3 deposited checks still and they won't allow me to send my money thru XXXX. I have reported this to The Office of the Comptroller of the Currency and currently have a case and I have been treated more unfairly after I reported them.
Product: Vehicle loan or lease

I was at the end of my lease and I contacted XXXX to arrange an inspection for the return of my lease. 

Unbeknownst to me, a payment that I paid from my business through ACH was returned due to a technical glitch. 

I was on the phone with XXXX on Wednesday and Thursday, XX/XX/XXXX and XXXX discussing my end of lease options and return of lease. At no time during the conversations, did they mention to me that there was a problem with my payments. 

Furthermore, XXXX never contacted either by email, phone or regular mail to inform me that there was any sort of problem with my lease. 

Sunday night XX/XX/XXXX, a tow truck came to repossess my car. Please keep in mind that this was a holiday weekend, and I had no recourse until Tuesday. 

I immediately called XXXX, made the payment of {$1000.00}, and I was assured that the car would be returned to me so I can retrieve my personal belongings and fix and slight damages. 

After called again, I was then informed that no, I would not be allowed to retrieve my car. 

XXXX agreed to waive the towing fee, but I have yet to receive a confirmation of this. 

The way XXXX handled this was troubling on so many levels. They never informed me of a default or late payment. They never gave me ANY opportunity to correct the default. I have NEVER been late on my car payments even once during the whole lease period. They NEVER mentioned any issue even though I was on the phone with them many times. 

And Finally, they came like a thief in the night to repossess my car on a Sunday night on a Holiday Weekend
Product: Credit reporting or other personal consumer reports

I have no knowledge of the inquires on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 the also violated my rights under 15 U.S.C 1681 Section 602 A. Status I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer repoting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. XXXX XXXX Account # XXXX Bal : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit report and dispute letter result on XX/XX/XXXX, the account that Ive disputed ( 5 XXXX accounts ) its still showing in my report. It did show accounts are ''accurate and verified '. I contacted XXXX XXXX 2 months ago- No response. 2 months later, TRANSUNION is still telling me these accounts are verified. How did that happen? XXXX XXXX couldn't give me any proof. 

I already filed and submitted a dispute and was told I need to wait because it is still pending/under review. I called on XX/XX/XXXX, XXXX XXXX. On the phone your colleague told me if you dont hear anything from XXXX XXXX on/or before XX/XX/XXXX. These accounts should be deleted. I reported and submitted a claim through CFPB. On the phone, you told me youd delete these accounts if you dont hear anything from XXXX. How come its still showing in my report? 

I have it all recorded as well. I sent you a copy of my 4 disputed letters. Along with my new dispute letter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : {$35.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2.00} US DEPT ED XXXX Balance Owed XXXX {$1900.00} US DEPT ED XXXX Balance Owed : {$1100.00} US DEPT ED XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} CHILDSUPPORT XXXX XXXX XXXX : {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$960.00}.
Product: Mortgage

After following up for 1 month with Flagstar they continue to slow-walk me into the process of exiting my forbearance and now I need your help. I have called them at least 15 times and they have promised they would help me exit, but they continue to give me the run-around and make up excuses for why they wouldnt. Here are the details Due to COVID-19 I was forced to enter forbearance on my two mortgage loans with Flagstar Bank . I contacted Flagstar on XX/XX/XXXX, and on several occasions after that, to let them know I was ready to resume making my mortgage payments, and that a Payment Deferral would be the best path for me to exit forbearance. I have followed and completed all their requirements in a timely manner. However, I believe they are deliberately delaying the Payment Deferral process, and blocking my efforts to save my home and my rental property, since they know I will soon reach the maximum 18-month protections per the CARES Act, on XX/XX/XXXX. On the loan for my residence, they have sat on the application process for almost a month with very little progress, despite my continuous efforts to follow up ; and on my rental property loan, as part of their delay tactics, they have cancelled my Payment Deferral process 3 times for unjustified reasons. The first time on XXXX XXXX, for logging into my account on flagstar.com ; the second time on XX/XX/XXXX for having said I want to get out of forbearance during a call inquiring about my Payment Deferral Process status ; and the third time on XXXX XXXX because I pressed something in the phone system when trying to reach their Hardship Relief department and in actuality all I did was press the options to speak with an agent ; and to this day they havent reset my mortgages. This seem to be a repeat of their tactics from XXXX, when Flagstar was found by the CFPB to be delaying and blocking peoples efforts to save their homes.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting a detailed description of the reinvestigation procedures for items they had verified as accurate on my credit report. I included my photo ID, social security card, and a recent bill with my current address to verify my identity and ensure proper handling of the request. 

As of today, I have not received any response from TransUnion regarding my dispute. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation and provide an explanation of their procedures when a consumer disputes the accuracy of items on their credit report.
Product: Credit card or prepaid card

An erroneous electric payment in the amount of {$3600.00} was made in XXXX to my Citi Master Card from my XXXX bank account. I did not authorize this payment and notified the credit card company of the error. I explained that this error had created a dire situation for me by causing my bank account to be overdrawn and incur overdraft fees and that I was also unable to withdraw any cash. On XXXX XXXX, I was assured via a telephone conversation with a Citi representative that the funds would be returned to my bank account on an expedited basis. To date, those funds have not been returned and Citi is unable to advise me of a date on which the funds will be returned. I was advised that it was not possible for me to speak with anyone who had the authority to actually expedite this matter or even advise me as to when the funds would be returned to my account. 
To be clear, Citi was never entitled to this money and has no right to hold my funds for weeks on some pretense of performing some sort of investigation. 
Thank you for your attention. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I opened my original account with XXXX XXXX XXXX when I purchased a water softener for my home XXXX XXXX for XXXX. They said I would have 90 days before I had to make my first payment of XXXX. I would make these payments until the softner was paid off but I was able to make larger payments to pay it off quicker. 
My first payment was made XX/XX/XXXX for XXXX XXXX 
Then every month there after on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Covers 13 months of payments ( {$1000.00} {$71.00} 13.9 payments ), putting me ahead until XX/XX/XXXX. 
Monthly Payments : XX/XX/XXXX - XX/XX/XXXX : {$71.00} paid each month on or close to the due date. 
I remained current through XX/XX/XXXX. 
XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : Late by 26 days. 
XXXX and XX/XX/XXXX : XX/XX/XXXX : {$140.00} Covers two months ( XXXX and XX/XX/XXXX ). 
XX/XX/XXXX : {$140.00} Covers XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX : No payments were made during this period. 
XX/XX/XXXX Catch-Up : My card changed and it was no longer on automatic draft. Once i logged into my account I saw a payment that needed to be made for XXXX so i paid it immediately and set my account back up on automatic draft. 

XX/XX/XXXX : {$640.00} Covers 9 months ( XXXX - XX/XX/XXXX ). 
XX/XX/XXXX- XX/XX/XXXX : My issue is, I have never had a negative remark on my credit and I expected them to at least notify me first to reconcile before just charging my account off then continuing to take payments from me. I went and read the reviews for this company and it is nothing but negative reviews of similar issues with customers. I will also be filing a complaint with the XXXX because peoples lives are attached to this and they shouldnt be able to do things like this multiple times to multiple people. 

When i log into my account it still says current and is still asking me for my monthly payments. Then when i go to my transaction section it only shows that i have made only about 6 payments when i have bank statements to prove i have made way more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, Equifax, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX  ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, Equifax, XXXX ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX company name XXXX. Reason reporting late payments on my consumer report is in violation of my consumer rights. 15usc6801 15usc6802 Consumer reporting agency name : experian
Product: Mortgage

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I reached out to XXXX, Transunion, and XXXX via cell phone concerning credit inquiries that i did not authorize. I explained to the customer service reps that I am constantly receiving emails with offers from various credit card companies offering to extend me credit, and that if i put the last 4 digits of my social security numbers in that i could check how much credit i could qualify for without it reporting to my credit profile, But when I checked my credit report i discovered that i had in fact received hard inquires from those credit card companies. The representatives from each company ( XXXX, XXXX transunuion, ) Told me that they could not me remove those inquires from my credit profile even though the FCRA says I have a right to dispute any unauthorized items that may appear on my credit profiles. These companies house our information without our permission, and when something is wrong or inaccurate they treat you like you are wrong about your information, and that there is nothing that can be done when your credit profile is being reported inaccurate. 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  ( XX/XX/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 XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), these inquiries was not authorized by me, i gave no one permission to access my credit profile, nor do i have any accounts with these companies who accessed my profile with out my permission.
Product: Credit reporting or other personal consumer reports

After filing a report with the CFPB on XX/XX/XXXX. XXXX XXXX placed negative information on my credit dropping my XXXX XXXX XXXX points on XXXX. And caused a decline on my XXXX credit report as well. I have not applied for any new credit accounts in over 6 months. I am only forced to report that the recent drop on my XXXX XXXX is out of retailation for filing a report against the company to the CFPB. After applying back in XXXX of XXXX, and receiving that loan without incident. Navy Federal Credit Union maintained that account in active status and fully utilized the benefits of my signature on the Promissary Note with the Federal Reserve. And fully utilizing each new application after XX/XX/XXXX. I was denied credit approximately XXXX times for credit. Credit that would not exist without my electronic signature. Credit that according to 15 USC 1691, I can not be denied or discriminated against for any reason. But I have, and retailiated against for reporting to your agency.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account, looks as if it was bought by a third party. this same account is showing up on my credit report multiple times from different agencies.