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

1. Three ( 3 ) transfers made from my XXXXXXXX XXXX to the Cdn  recipient account to date that are not received : i ) {$2200.00} US ( {$3000.00} CDN ) sent XX/XX/XXXX. 
ii ) {$300.00} US ( {$400.00} CDN ) sent XX/XX/XXXX I have submitted the recipient 's bank statement showing non-receipt. When contacting their bank, recipient is told no transfer appears as pending. I have previously send 10s of thousands ( if not hundreds by now ) in aggregate over the years using Wise, formerly TransferWise. The transfers have always arrived by the second business day and usually within 4 - 8 hours of being sent.

I have contacted them multiple times. Initially, I received what appear to be boilerplate auto replies. Now I am receiving nothing. I have not yet located the customer service phone number. It is not readily available on the app or site. It appears this is a known issue so I am not waiting longer to raise the red flag. My family needs this money and we can't wait weeks or months for a resolution. 

I have attached the 2 'receipts ' Wise provides with a link on the app. The receipts imply that the reference number on each document a XXXX XXXX confirmation number. The recipient presented these to the XXXX  division of their bank ( XXXX ). That team was unable to locate any inbound XXXX  transfers in general or with those references, specifically. The next step Wise recommends online is to upload a bank statement demonstrating non-receipt since the date it was sent. This was done. There was no reply to this submission ( 2 days ago ) although they declare a response will come in 1 business day.

It was at this point I did some investigating and found that Wise has been doing this to others.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

I have been over charged for so many overdraft fees and so many errors they made on my account
Product: Mortgage

I want to make you aware of the pain a lot of Americans are suffering due to the BBVA PNC merger. In my specific case, PNC withdrew money from my checking account without my authorization. They unilaterally enrolled me in automatic payments of my mortgage even though I did not consent nor was I informed. My mortgage under BBVA was not set up for automatic payments. So, I paid my XXXX mortgage on XX/XX/XXXX. I had to do it over the phone because PNCs online banking is not working. I paid my regular amount plus a principal curtailment. The payment went through. On XX/XX/XXXX I saw that my checking account had been debited on XX/XX/XXXX for the mortgage. This means PNC took out two mortgage payments the one on XX/XX/XXXX was without my consent. It has been an ordeal to get any kind of customer service. I get bounced around from person to person. Finally, I talked to a representative that admitted that I had not consented to be enrolled in automatic payments. She told me I would be credited. I havent. I called another person and he lied and said he had a written consent I had given to BBVA. I explained that the consent he was referring to was for a construction loan that had been paid off on XXXX but that I never signed a consent form for the mortgage and BBVA had never withdrawn mortgage payments automatically from my account. He agreed with me. It has been 3 days and my money is still gone. They refuse to electronically credit my account. They insist on sending me a check. The amount taken by PNC is close to {$3300.00}. Luckily I can live without that money but what if I lived paycheck to paycheck like many of my fellow Americans? What if because of their greed other payments had bounced? I have been reading comments on social media of other victims. What happened to me happened to others. It seems that PNC has been enrolling BBVA customers on automatic payments without their consent or without notification. My grandma would say this is just plain stealing. 

Banks have been getting away with a lot of bad things for a long time. To make things worse the government keeps allowing all these mergers which have resulted in fewer options and less protections for the consumer. 

Thanks for your time. 

XXXX XXXX
Product: Checking or savings account

I applied to close my account at Bank of America back in XXXX after switching to a new bank. At the time I had XXXX dollars in my XXXX and like XXXX in my Checking. I was moving to a XXXX XXXX because of the fees. I recently looked at my accounts to check why they were not yet closed and Bank of America rep informed me that there is a XXXX  day processing period during which I was charged for Saving and Checking account maintenance fees, which then kept the accounts open leading to me building up debt to the bank of maintenance fees. After complaining and calling the bank out on not closing the account and building up a debt on me, the customer service rep was only able to take off XXXX of the charges. But he said he was not able to take of fthe last charge. Right now the accounts are Checking : XXXX Savings : XXXX.
Product: Credit card or prepaid card

I signed up for a Bank of America " Travel Rewards '' card which pays " credits '' for each purchase made on the card. " Credits '' are then redeemable for cash rewards as reimburse for travel expenses. Bank of America provides a list of travel activities which qualify as a reimbursable expenses. Among those qualifying travel activities is airport parking. This list of qualifying travel activities is provided to the credit card customer at the time the credit card is issued, and represents a contract between the customer and the credit card issuer regarding use of the card. Even though Bank of America lists airport parking as one of the qualifying travel expenses for which I may claim cash reimbursement, they have refused to honor the terms of the agreement. When I brought this before Bank of America customer service, they responded that some airport parking vendors are " coded '' one way, while other airport parking vendors are coded another way IN THEIR SYSTEM. This coding would be unknown to a card holder, who simply relies on the Bank of America assurance that airport parking is a reimbursable expense. It is a FRAUD and a DECEPTIVE PRACTICE by Bank of America upon consumers who agreed to use Bank of America credit cards with expectation of the bank abiding by the written terms provided to them by the bank.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ XXXX/ Equifax, Were all notified in XXXX of my dispute with a particular collection account reporting on my credit file and did not provide me with physical proof this account belong to me or if its accurate ... 
As Law Requires by, FCRA. 

All bureaus just stated verified in monthly report. 

Finally, XXXX Equifax Removed this Collection but as of XX/XX/XXXX Equifax has indicated the account has begin to report to Equifax once again after being removed. 

Neither bureau has giving me method of verification as requested in XXXX which is my concern as I continue to address this matter nineteen months later. 

How was this account verified in XXXX?
Product: Debt collection

I have not had any personal, mobile, written or otherwise interactions with this company. I feel that my consumer rights have been violated and so has my privacy. My personal information has been flagrantly handled and somehow ended up with this company. I do not own or owe this debt.
Product: Debt collection

After checking my credit report, I noticed XXXX XXXX has resubmitted an account that was removed from my credit report due to identity theft.
Product: Credit reporting

I contacted Equifax around XXXX XXXX because I had not received a response back from the alleged creditor. So I was disputing this inaccurate information pursuant U.S.C sec 1692g XXXX b ) : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

I called Equifax on XXXX/XXXX/2015 and spoke with XXXX. When I contacted the CRA they refused to remove the information and stated that I did not have the right to validate the debt because I was not the CRA which is not correct by law.
Product: Consumer Loan

I just got out of the XXXX XXXX after 6 years of service, i have medical XXXX including combat XXXX. I went to bill XXXX in XXXX for a vehicle and i wanted the XXXX it was a bit high priced but they said it would be paid off in 3-4 years not i got this auto load i pay XXXX a month at about 19 % interest. I have paid over XXXX dollars and it shows on my account i only paid about XXXX k from my original loan amount.I am using my XXXX pay for this vehicle i was under the impression i would be paying for another YEAR OR TWO AND BE DONE. but now my contract is almost 7-8 years long and the new XXXX are cheaper than what mine is. I desperatly need help i am a divorced father or XXXX kids and not my first experience buying a vehicle from a dealer i get completely taken advantage of. I feel insulted to know i have done everything for my country to see XXXX person ruin my entire life because of a car. my original amount is almost XXXX i paid over XXXX k and it only shows the principal amount to be XXXX i pay to own. at this rate i will pay XXXX for this vehicle. I thank you for reading and XXXX i hope you can help me please.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX  XXXX XXXX/2022 XXXX  XXXX/2022 XXXX XXXX XXXX2022 XXXX XXXX XXXX/2022 XXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX XX/XX/2022 XXXX-XXXX XXXX XXXXXXXX/2022 XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX  XXXX XXXX/2022 XXXX XXXX/2022 XXXX XXXX/2022 XXXX  XXXX XXXX  XXXX XXXX/2022 XXXX  XXXX XXXX XXXX  XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a hard inquiry on my credit report because this company called Synchrony Financial ran my credit without my permission and without my knowledge. I never signed up for anything, applied for anything or allowed this company to look into my credit report. I've never heard of Synchrony Financial before, why do I have to deal with a hard inquiry when it is not deserved or of my doing? I try really hard to keep my credit score up just to have some company mess up my score without any consent or permission at all. Please help me out in any way you can, I greatly appreciate it. This unwanted credit check has actually already caused me an issue and if it happens again I would like to sue the company for the stress and financial burden it now put me in. Thank you very much for your time.
Product: Payday loan, title loan, personal loan, or advance loan

I am disputing inaccurate information being reported on my credit file regarding a transaction with Affirm. Their policy states that Affirm reports " Furnishings '' to XXXX, yet the transaction in question was for the purchase of clothing and not furnishings. Also, the balance is incorrect as well. 

This misrepresentation has adversely affected my credit score, and I believe it to be an error in how this information was reported. I have attached relevant documentation, including the transaction receipt and any supporting details, to confirm that the purchase was for clothing. 

I kindly request that you review this matter and correct the reporting to reflect the accurate nature of the transaction. Additionally, I ask that you notify the XXXX of this correction to prevent further negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I am submitting a compliant. I have been at my resident for about 20years and is still being accused of owing you way over the amount due. I am requesting that I be cleared from this debt.
Product: Mortgage

Bank of America has not clear with XXXX County Clerk the " Satisfaction of Mortgage ''. In XX/XX/XXXX Bank of America was paid-off the loan mortgage XXXX # XXXX XXXX I had with that institution and re-finance with XXXX. I received a paid-off letter dated XX/XX/XXXX from Bank of America, which I will upload to you. Four years later when I am about to sell my house a title search done by the attorney reflects that Bank of America did not sent the " Satisfaction of Mortgage '' to the County Clerk to clear the lien, and Bank of America admits. Since XX/XX/XXXX when my attorney informed me this situation I have been calling the Bank to get this resolved. Unfortunately, up to now it has not been cured. Therefore, I can not set a closing dated to sell my house and may even be risking to lose the current buyer. 
Bank of America Branch at XXXX XXXX XXXX XXXX. XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Branch Manager and XXXX XXXX XXXX, Relationship Manager have taken the effort to resolve this situation. The XXXX # XXXX has been designated this time. I trust CFPB can help resolve this very serious issue affecting me and my family, for this irresponsible institution.
Product: Checking or savings account

I had direct deposit into my checking on XX/XX/XXXX. I also had two pre authorized payments of {$300.00} each held against my available balance, which is fine, I was expecting these two transactions. Over the weekend, I could see that my available balance was just over {$160.00}. I made three online transfers to my son 's account against that balance, leaving me with a little over {$110.00} in my available balance ( as it showed in my mobile banking application ) on XXXX. 
On XXXX, my account suddenly shows as overdrawn by over {$120.00}. In the morning, my mobile app did not really show me much of a reason. In the afternoon, I can see that I was charged three NSF fees for a total of {$100.00} in fees. 
I called Customer Service and after 20 minutes I reached an individual that agreed that this did not sound right and said he was putting me on hold while he researched it. I was on hold for a while and then disconnected. 
This is not the first time I have seen something similar happen. 
I believe this is an unfair accounting practice which ends up charging consumers more in fees than should be charged. 
Also, the bank has stated in the past that this problem is on the merchant side and not the banks. The merchant sends the debit, and it did disappears the next day, which leads the bank to put it back into the clients ' available balance when in fact, the item is still out for clearance. In any case, it is misleading and confusing for clients who think the debit has already cleared. In my particular case, there were two debits and if both had been subtracted from the available balance and the online transfers still made, there would have been enough funds to cover everything except ONE debit of {$300.00}. The result of that would have been one fee charged of {$35.00} and not three fees totaling {$100.00}
Product: Consumer Loan

I XXXX XXXX of XXXX XXXX XXXX XXXX recently purchased a XX/XX/XXXX XXXX sel and took out a used car loanmy previous car loan was through XXXX bank of massachusetts for {$280.00} per monthand I was never informed previously that my loan was sold to branch banking and trust company XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX texas XXXX never received a phone call or letter from XXXX Bank telling me my auto loan was soldmy new loan payments start as of XX/XX/XXXX with XXXX Bank XXXX XXXX Ma. the payments will be {$360.00} per month and I am on a fixed income from social security and XXXX I only receive {$1500.00} per month and I can pay the new loan but I ca n't pay the other loan payment.I would like this resolved as soon as possible before my new payments startI think this is a scam or fraud and it should be investigated by the consumer protection agencyI will not be scamed or have my assets be taken from meRegardsXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting an installment account under my name which shows a balance of {$19000.00}. For the past year or so, I have been requesting documentation from them showing proof of this balance under my name, but they continue to send me same letter stating " they have verified this account is mine '' without looking into the problem, or sending me any proof. 
The account they are reporting as " XXXX installment account '' with a balance of $ XXXX, ( which is affecting my debt ratio in a major way ) is just a utility bill which I pay by the month, based on electricity being used in my home, and it has no balance. I pay it off every month. I have provided Equifax with a copy of my contract, a letter from XXXX, a copy of my bills for 12 months, and letters of explanation, yet, they continue to ignore my request, and send me the same letter of explanation every time.
Product: Student loan

Nelnet is an utter failure. They are not able to handle the new rollout and can not give any real answers to simple questions such as " When will my payments post on my account '' or " when will my updated payment plan be instituted ''. This company is going to literally cost people XXXX  of dollars becuase of their incompetence
Product: Mortgage

I went online to make a payment and it said that I could not submit a payment because I had scheduled one in the past. It showed the monthly amount that was due for XXXX because I am behind but my mortgage is not 90 days past due. I called the mortgage company and the representative said that they could not accept the XXXX month payment and as of now what they saw is that the company was requesting XXXX months payment. When I asked why could they not accept the XXXX month payment because my mortgage is not 90 days behind semicolon I was told because of the investor and the law. I asked her to define that for me and she proceeded to discuss my payments being behind. I said you guys accepted the payment last month on the XXXX and there was no issue. I still never got an answer as to why they would not accept the XXXX month payment even though my mortgage is not 90 days behind. She then proceeded to tell me that she would take information to see what options I had. I was asked questions about my monthly income would I be able to make a payment arrangement or pay the mortgage going forward and I said yes. I was told to call back next week but it could take until next XXXX. I'm concerned because I do not want to go over the 90 day XXXX and be completely 3 months behind. This will cause me to be 90 days behind if I don't make a payment and therefore calls me to possibly go into foreclosure. I also tried to check on the phone to make a payment and it was asking for 2 months payment.