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

On XX/XX/XXXX, I inadvertently transferred {$6000.00} from my personal account into an account indirectly linked to my account within the same bank. When I realized the error, we called the bank and spoke with a customer service represented at the bank on XX/XX/XXXX. A claim was processed and the funds were reversed out of the wrong account on XX/XX/XXXX, one business day after we filed the claim. Today is XX/XX/XXXX, and the funds still have not been deposited back into my account. I spoke with a customer service representative on Wednesday XX/XX/XXXX, who assured me that the funds would be back in my account by end of day. They were not. I spoke to a customer service representative again on Thursday XX/XX/XXXX who this time said the process takes 3-5 days from the reversal of funds to be deposited back into my account. I do understand why it takes so long and where the money is in the interim. The accounts are linked and within the same bank. Per the CFPB site, Reg E, 1005.11, The institution shall correct the error within one business day after determining that an error occurred. '' The funds were reversed within one business day, but they bank is still needlessly holding onto {$6000.00} of my funds for no apparent reason other than for their own benefit. It has been 9 days since we filed a claim. This behavior on the part of a big bank that is taking full advantage of an inadvertent error on my part to leverage the use of my funds. I would like to understand where my funds are between the time they took them out of the account in error and where they are now. I have not received a satisfactory response from the bank customer service reps other than " this is the process and it takes 3-5 days ''. To make matters worse, they made sure to give me the run around, connected me to several wrong departments, and hung up on me several times while putting me on hold forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that I do not recognize.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX IS A consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX, Capital One, are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX, Capital One are financial institutions and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, ( XXXX XXXX, Capital One ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX, Capital One ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

The company apparently just got my file from their " client '' yesterday, however, they made up a lie and said that my boss 's cell phone and his " ex wife 's '' cell phone were both listed as being mine so they tried to reach them. They called them at XXXX XXXX and lied to me about contacting them. That is harassment. They called me 2 times, no messages left. I don't answer numbers that I don't know and I return calls that leave messages. They are harassing and the manager actually hung up the phone on me when I asked for his direct contact information in order to handle the harassment. I never gave them permission to contact anyone, therefore, they should not be contacting my boss on his personal cell phone at XXXX XXXX XXXX. My personal business is nobody else 's business, especially not my boss and his ex wife!! This is also a debt that is from XX/XX/2007 that is out of the statute of limitations and their contacting my boss and reveling that they are collecting a debt from me is a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights.

15 U.S.C. 1681 section 602A 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 an 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 7 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 information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX XXXX sent me a {$500.00} XXXX payment on XX/XX/19 via my e-mail address. I am attesting that yes, this was the correct way to send the funds to my Capitol One account through XXXX. She made a mistake thinking the funds should have went through my phone number. She called Capitol One. She Called XXXX. Then made a cfpb complaint : # XXXX that was denied. 

This was NOT her mistake. The e-mail address she used that is intended for the said recipient : XXXX XXXX, should have immediately sent the {$500.00} to my Capitol One account. 

Capitol One and/or XXXX, sent the funds to WRONG bank account of XXXX XXXX. Which therefore means that the funds should be correctly placed into my Capitol One account, NOT XXXX XXXX 's account. 

As you can clearly see in previous transactions, the only transfers made from XXXX XXXX 's Capitol One Account to the XXXX XXXX are for XXXX XXXX only. There are NOT transfers to a XXXX XXXX in transaction history. 

This should have been a red flag to Capitol One and/or XXXX that this is clearly the wrong account they sent the money to. Basic investigation XXXX. 

Please contact me for any additional information needed to substantiate this claim as true.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information reporting on my reports and to third party creditors I dont know the addresses or information listed on the report it is not mine. And my name is even inaccurate.I couldn't obtain XXXX or XXXX  they wouldn't give me my free report they report to outside agencies. I am disputing this information. Its preventing me from getting proper housing. 
XXXX, XXXX, OH XXXX, XXXX, TXXXXX-XXXX, XXXX, NCXXXX- XXXX, XXXXXXXX , TXXXXXXXXX-XXXX, XXXX  , TXXXXX-XXXX, XXXX , TXXXXXXXXX-XXXX, XXXX , FLXXXX-XXXX, XXXX , FLXXXX-XXXX, XXXX , NCXXXX XXXX, XXXX , OHXXXX XXXX, XXXX , NC XXXX, XXXX , XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Never done business with these companies XXXX # XXXX CHOICE RECOVERYINC # XXXX ,XXXX listed twice with misspelled name
Product: Vehicle loan or lease

Good Day, I opened an auto loan with XXXX XXXX XXXX XXXX. The loan began on XXXX XX/XX/XXXX and was for XXXX term. Earlier this year, XXXX XXXX merged with Pentagon Federal ( PenFed ) Credit Union, and my loan was transferred to PenFed. 

We have been making our payments on time, and above the minimum monthly payment, and we received a letter in the mail on XXXX XX/XX/XXXX stating that our loan was in deferment and there was intent to repossess the vehicle. 

I reached out to PenFed and it was determined that while the loan was being transferred to PenFed, somebody entered an incorrect maturity date for the loan. The maturity date was entered for XXXX, XXXX. A XXXX term beginning in XXXX of XXXX should take the maturity date to XXXX, XXXX. 

I was assured it would be handled, but after a week of following up I have been informed by PenFed that they are unable to correct the issue on their end because " the gap between the current maturity date and the actual maturity date is too large '' and their system will not allow them to change it. I was then informed that they have a special representative working on the issue, but it could take some time to complete. 

I have a XXXX  XXXX that is currently in renewal and awaiting final adjudication. Having this on my record puts me at risk of losing my XXXX  XXXX and then my job. PenFed has admitted fault, I have a letter stating such. I need this cleared immediately so that I do not lose my security clearance, and so that my credit reputation is not damaged further. 

Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is " XXXX XXXX '', I am requesting this myself for you to take necessary action about the errors being reported on my Equifax Report. I am not connected to any credit company or any of its kind. I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020
Product: Money transfer, virtual currency, or money service

I am trying to link my XXXX  account to my bank account with PNC and PNC won't let it happen. This is the only bank account I have.
Product: Credit card

I have always made sure that payments on this account are made on time, avoiding any overdue situations. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Debt collection

This debt recovery agency has sent a medical bill balance of {$220.00} to the credit bureau and this has impacted my credit score negatively. my credit went from XXXX down to XXXX this is terrible, and Im in the process of purchasing a home. This so sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My bank ( XXXX XXXX ) is not reporting my mortgage payments to any of the 3 credit bureaus. I called several times, each time i was told to get reaffirmation letter, i called several attorneys for legal advice and i was told its too old to get reaffirmation letter, i filled XXXX XXXX in 2014, bank is asking letter from that 2014 XXXX XXXX case, i only need bank to report my payments to all 3 credit bureaus. 
My loan was transfered from XXXXXXXX XXXX XXXX to XXXX XXXX more then 2 years ago. 
Thanks
Product: Credit card or prepaid card

I have received several cards from this same bank. Comenity Capital Bank. I keep calling and they keep giving me random responses. I was told that they did not have a fraud department. In the past four days I have received three separate mailings with cards but different stores. one for XXXX XXXX, XXXX and a XXXX XXXX store. There was a credit card received from XXXX  XXXX XXXX. There is another for XXXX  XXXX XXXX XXXX card. I am receiving car loan information. I was told that because it was all of my correct information it was not fraud. I told them that it is not mines. That my address was also changed and that I had already contacted the postal services. They refused to open a fraud case. I called on Saturday XX/XX/23 and spoke with XXXX. On XX/XX/23 I called again and spoke with XXXX. On XX/XX/23 I spoke with XXXX. Then on XX/XX/23 I received another letter for another application. I called the XXXX Postal service because on XX/XX/23 I also received a letter stating that a change of address was also put in for my mail. I made a complaint to the XXXX Postal Service and that was not a great experience. I was told to call my local post office and I could not get anyone because I was told they were too busy on Mondays and told to make a complaint to the XXXX XXXX XXXX. I was told my mail was sent to the XXXX NY. It was changed for XXXX XXXX to XX/XX/XXXX.
Product: Debt collection

I was never served in the legal process of getting a default judgment, or I would have defended myself in court and proved this easy. The attorney XXXX XXXX in XXXX is a liar and a fraud who violated fair or actual law on a regular basis. Who is LHR, and I have never been told who LHR is or why bothering me, other than I see on a Fraululant abstract default judgment that should be void, or vacated. The case would have been dismissed if I was ever Served in the first place. Is LHR Licenced?, Who is the person claimed to have sold the bogus debt to now? I ask that XXXX XXXX attorney and I get no information, just very rude comments, and he calls my work when I tell him to stop harassing my employer 's office. I have had my account levied, and my wages garnished all by a default judgment that was gained by providing fake information to my local court whose clerk issued the default. I am a person who would have answered and filed a response with evidence is exactly why Attorney XXXX XXXX avoided serving me in the first place, he knew my address, and sent the process server everywhere else!!! My address is not even on the judgment, it such wrongdoing.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX Balanced {$700.00} XXXX XXXX XXXX Balanced {$1200.00} XXXX XXXX XXXX {$1700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I have completely paid back my student loans. They were paid off in 2014. XXXX XXXX was the loan provider at the time. However, my loan was transferred to Navient. Prior to me paying off the loan it was in forebearance. I never paid late to XXXX XXXX because it was in forebearance. However, Navient is reporting that I paid late multiple times in the years of the recent recession. I did not have a job at the time, I informed XXXX XXXX, and I was granted forebearance. Navient will not change what is being reported to my credit agency. I have complained and asked them to show proof that I paid late. The account # they have for me is not in their system and they still will not correct this issue with XXXX. They are reporting false information to XXXX and they will not respond to multiple requests to correct their reporting.
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report. The account TEK COLLECT ( Original creditor XXXX XXXX ) with the account number has XXXX been reporting erroneously in my credit report. XXXX and XXXX seems to be reporting differently. I have already requested the removal of this account but up until now I didn't receive any changes. Please remove this account. It is damaging and causing my credit scores to drop. I hope you can take this matter to your hands and I'll be expecting some changes.
Product: Credit reporting or other personal consumer reports

This is to follow up just to rectify this matter that I am deeply concerned about the negative impact it is having on my financial standing. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they persist on my credit report. This situation not only undermines my financial credibility but also poses a significant threat to my financial well-being. I expect a thorough investigation into why these fraudulent items continue to appear on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. I am asking for you help to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. The following items should be remove as soon as possible : The following items should be remove as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$2800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SCXXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX Balance : {$320.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00}, XXXX XXXX XXXX Balance : {$600.00}
Product: Checking or savings account

THIS WAS A XXXX SCAM CASE # XXXX On XX/XX/2022 about XXXX Huntington bank called me and said they were fraud team and asked me if I'd approved a XXXX $ XXXX payment to some females name ( wrote all down ). I said no and got scared and he said he had to walk me through transferring that money out of the acct so It would not be lost and that they would catch this person. He kept me online banking and had all my information! He told me what was in my accts and he was right! Kept putting me on hold and then have me look and after a while I said I can't stay in the phone and I don't think you need my birthday. He then and another man both started laughing and cursing me! Omg they'd stolen almost XXXX $!!! I immediately froze cards changed password transferred remaining money into savings and tried with no luck to call Huntington! After hours so fb with them. Next morning spoke w three dispute people at Huntington and one of the females closed my savings account and said I'd agreed to that ( I found out later ) and blamed me for the scam!! I was so upset and I am very ill and had to be at hospital Friday next day and by the time got done bank closed so went sat morning to Huntington bank XXXX XXXX WV and was assured everything would be fine and then XXXX said a XXXX had closed the savings and said I agreed. I had no money! She said don't worry we'll take care of it and explained how the XXXX  scam works and told me not to call the dispute team just come to the bank. Assured me everything was fine. Monday I went back and XXXX XXXX said he was my banker and XXXX was supposed to get a hold of XXXX and find my savings money and call me but she wasn't there and when I called she said XXXX was working at home and didn't respond to the email. XXXX took me through hoops and told me he'd fix everything and is still doing that now! But Huntington lied and they went back and took all of the XXXX $ back from me that the scammers took! And now they won't let me set up recurring rent and I had to borrow from my son and they just blow me off! I'm SSD SSA hud and XXXX very ill retired nurse and they have treated me like the crook! The e regulation should cover me! I have never used XXXX and they are responsible for the security of my money!