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

I xfered funds into the account. A weekatwr I attempted a wire xfer to send those funds put. 
XXXX the wire xfer was not processed in a timely manner..I initiated on XX/XX/XXXX before wire disbursement cutoff. I was not called until XX/XX/XXXX and it was at that time they told me funds needed to remain untouched for 90 days and they would not disburse the wire. This was not an initial funding. this was not a CD. This is a savings account. 

I was also told when dealing with customer service that they would not pay me interest on those funds after I informed them I would withdraw and close my account. Eventually they said they would send the interest to a different bank sp we will see if this happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error on my credit report several times with Equifax and they keep verifying the inaccurate information. In XXXX, I discovered an error on my Equifax report that related to an account with XXXX XXXX XXXX with the account number XXXX. The account became charged off in XXXX of XXXX and was later settled. However, my Equifax report shows the account was 180 days late in XX/XX/XXXX, then the payment data is missing for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After that, Equifax shows I became 30 days late again in XX/XX/XXXX then the account became charged off in XXXX of XXXX, which is 4 months after the account was ACTUALLY charged off. As such, I disputed with Equifax In XX/XX/XXXX and pointed out the inaccurate information. Equifax responded back on XX/XX/XXXX saying the creditor verified the information. I disputed the account again with Equifax on XX/XX/XXXX, and Equifax again replied that they verified the account as accurate. I even enclosed a letter from the original creditor with my dispute showing the information was wrong, but Equifax ignored that evidence and did what they wanted to do. Equifax could determine through their own independent investigation that this account is reporting with blatant inaccuracies and that it does not comply with Metro 2 reporting standards for accuracy. Instead, Equifax parroted the original creditor and left the errors on my credit report. Attached are my disputes to Equifax, their responses, and a letter from the original creditor admitting the information is inaccurate.
Product: Credit card

Ollo Credit Card account balances were acquired by Ally Investors. 
New Ally Credit Card was issued and has been received. 

For approximately THREE ( 3 ) weeks, there has been an INABILITY to access my Ally account information. AN ADVISORY COMMUNICATION FROM OLLO SAID THE NEW ALLY CREDIT CARD INFORMATION WOULD FUNCTION IN THE SAME MANNER. 

Ally 's customer service ( different person each time ) has on XXXX phone call from me to Ally, stated my complaint has been noted and is under investigation ; that an Ally representative would telephone me ( only promised XXXX of the 7 times ). My most recent telephone contact was today, XXXX, XX/XX/XXXX. 

Ally 's Customre Serice person can not /will not provide an estimated length of time when this problem will be resolved. 

Given the summation of various of various Ally Credit Card Company comments, I surmise a much larger consumer financial information access problem exists for many, if not all of those persons with Ollo accounts who had their accounts transferred to ALLY - I encourage FCPB to look into the entire situation and use its influence to help further Ally to fix the problem ( s ). 

THANK YOU FOR YOUR ATTENTINO TO THIS MATTER.
Product: Mortgage

Bank of AmericaXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, I was informed that once I made XXXX 2015 payment, Customer Service Representatives name would be removed from my account and then I could have the funds allocated as payment instead of to principal. No one was ever able to explain why Customer Service Representatives name was attached to my account since my Trial Modification Period was over. Please explain this process that is not indicated in my Trail Modification agreement. 
I have been given numerous timeframes, from immediately after XXXX XXXX payment to XXXX days after, about when the {$950.00} will be released so that I can allocate as a monthly payment. I am constantly getting misinformation from Bank of America Customer Service Representatives and their Supervisors. Please clarify when the {$950.00} will be released and why it was applied to principal and not as payment initially. Why was I not asked what I wanted done with the money? I have asked numerous times for documentation in writing, but was informed I could not have information in writing. I would just want Bank of America to quit changing the rules to benefit themselves. Why if Bank of America is following their standard policy and procedures can I not have information in writing regarding my account? 
After much research, my Customer Service Representative informed me on XXXX XXXX, that I would not be able to move money so I could allocate as payment and it has to stay as principal. Initially I was told that the payment had been used for my XXXX and part of XXXX payment. I informed Customer Service Representative that was not correct my modification agreement dated XXXX XXXX, 2015 stated that my first modified payment was due XXXX XXXX, 2015. Why recourse do I have since Bank of America has decided they will do what they want with my money. 

I still question if this is their normal process, why no one was able to inform me initial when I questioned movement of the funds. It is obvious that I need the modification why would they assume that I did not need this money allocated to benefit me. The trail modification calculations had already been done when the payments were received by Bank of America, so they were not included but now I am being told if they move the money, it will make me behind in my payments. I honored my agreement with the trail modification, why can I not get the same honor from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a legal name change in XX/XX/XXXX. Ever since, Equifax stopped updating my accounts and credit score. Finally, Equifax managed to correct my name and address in the system on XX/XX/XXXX. So from XX/XX/XXXX to present, there is no credit history being recorded with Equifax. My credit score went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. This is not an issue with Transition and Experian as they have the latest accounts and credit score. 

I currently have a mortgage application and when the lender tried to pull in my credit file with Equifax, they did not get a credit score and was told their system is seeing me as a new person. They failed to link my past and present accounts. As a result, I stand to lose my dream home and close to {$11000.00} in option fees and earnest money. 

Even Equifax 's website says changing the name will not change credit history and credit score. I repeatedly called their customer service only to be hung up on or don't have enough information or resolve this issue. 

I am at a standstill and turning to CFPB to help me in this situation.
Product: Credit card or prepaid card

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I truly can't see myself writing this letter in regards to my credit card being deny by XXXX XXXX XXXX. After many years and products and service with XXXX XXXX. I can say XXXX XXXX has over 10+ accts of mine. Not excluding at least 5+ auto loans paid well. H/E loan paid off. Many PL paid off. 100 % of mine and XXXX my kids accts. Not one time 10+ yrs have we been never late with many credit accts or debit accts. My issues is that I open an credit card with XXXX XXXX many yrs ago and added my wife to the card. recently her business partner stole $ XXXX from her LOC and she had no choice to file BK # XXXX. So with her being added to my XXXX cc, I understand 100 % why they closed it. So i applied for a new one under my name again to replace the closed $ XXXX XXXX credit with no balance and very rare used it only for monthly deducts for my home insurance. I called the XXXX XXXX XXXX and spoke to the XXXX dept. and advised the entire case. The XXXX was very understandable and he told me that he would send it for a second review and he saw the entire case vert well and was worth 100 % approval. So XXXX XXXX XXXX : deny me for the reason attached to the letter. Sorry I have contacted XXXX per the letter and XXXX gave me my CR and i do not see how they got that information.
Product: Credit reporting or other personal consumer reports

Equafax and XXXX both have inaccurate and wrong information on my profile.
Product: Checking or savings account

On XX/XX/2021 a scammer told me in order to find my lost item that was shipped I needed to download an app on my phone then open my XXXX and just confirm amount of money in my account I was assured that no transaction would take place but my money was then stolen. Bank of America states that they are not responsible for this transaction because it was an authorized XXXX transaction however it was not authorized and it was a trick
Product: Credit reporting

Equifax is improperly giving my personal information to a company called " XXXX without my permission. I received a letter from this company telling me I have a negative items reporting on my account. I do n't if this is a legitimate company or not but when you call them you can not get through to a live person and the website " XXXX '' is not working. This company insists that they are an Equifax company. The letter then has the audacity to ask people to apply their social security number and dat of birth and then mail the letter back. How is Equifax allowed to just share my credit report without me explicitly giving my permission. I would really like this companies practices to be investigated.
Product: Checking or savings account

I went to open an account they told me an account was open in my name previously
Product: Money transfer, virtual currency, or money service

Suntrust bank charged me XXXX $ to cash a check that one of my customers had written to me. 
It was drawn on Suntrust Bank, so I walked in to the bank and was told that they would take XXXX of my dollars to cash the check. 

This is dishonest, they should not be allowed to take my XXXX $ to cash there check, it is thievery out and out.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/NELN # XXXX DEPT OF EDUCATIONXXXX  # XXXX DEPT OF EDUCATION/NELN # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account Number:XXXX XXXXXXXX XXXX - Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

File Number XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX : File Number XXXX The inquirys was not authorized to be put back on my credit report here 's the reason why, Not too long ago TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! Now, here 's the deal, TransUnion failed to follow the LEGAL procedure to actually do so PLEASE REMOVE FROM CREDIT REPORT THANKS!
Product: Debt collection

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.

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 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 ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

This company is a debt collection agency trying to collect on a debt that was purchased you purchased a debt it is now yours. This company has no contract with my signature showing that I entered into an agreement with a witness present stating that I owe them or have any agreement with them. When asked for proof the company only provides statements from the company whom they purchased the debt from. A statement is not a signed contract with my signature please show me and provide validation on an actual agreement that I have with you.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. You have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ americor / XXXX law have called me up after The loan that I asked for. XXXX and {$50000.00}. Shame that it was available by XXXX other caller caller that told me that I can only get {$29.00} to consolidate XXXX bills and I just used my unsecured portfolio to open this business and needed to get them out of high intrest instead they would rather me not pay my bills and pay them an amount for XXXX months of XXXX and some odd dollars and run my credit and basically loose my business which now I am about to do cause all i do is fight this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXXXXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request this time to correct the following inaccurate information that is harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I need to bring a serious issue to your attention regarding my credit report. It contains mixed information, and Ive identified multiple accounts, transactions, and items that are not mine. This is deeply troubling and has been causing me significant stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice stating that my dispute may have been sent in error and that would be incorrect. I am a victim of identity theft found multiple fraudulent personal information three different social security numbers, fraudulent addresses, accounts, inquiries reporting on my consumer report.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Mortgage

Navy Federal Credit Union is withholding access to information about my checking accout, apparently in retaliation for refinancing my Navy Federal mortgage with a different bank.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as XXXX evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : Account Number : XXXXXXXX XXXX XXXX Account Number : Account Number : XXXX XXXX Account Number : Account Number : XXXX XXXX XXXX XXXX Account Number : Account Number : XXXX
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.