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

I made an accidental transfer from my BoA Checking Account to my BoA credit card Account. The amount was {$17000.00}. 

My intent was to transfer it to my BoA Savings Account. 

Im presently not working and this is ALL of the money I am living on for the next 4 months. 

It happened on a holiday, XXXX XXXX XX/XX/XXXX and the bank being closed I waited until XX/XX/XXXX to call BoA and request a cancellation. I was told that I would have to wait for the transfer to post before anything could be done. 

It posted on XX/XX/XXXX to my BoA Credit Card account and when I called was told a message would be sent to the Resolutions Department and it could be anywhere from XXXX days for a refund. 

3 days later I called to get a status update and determine where in the process it was because I had not received any receipt or indication on my account that anything was pending or being processed. I was told by the receptionist that it would be 3-6 days because it was within my own accounts. 

6 days elapsed and no call. The 11th day elapsed and no reversal of transfer. So I called and was told it may be at the end of my billing cycle which is the XXXX of XXXX. Thats completely unacceptable. The phone receptionist/teller was unable to transfer me to anyone to further explain why this is happening. 

I have no idea why its taking this long or if this information can be trusted. I am living on this money and need to pay bills and no one can give an accurate picture of whats going on or why or when it will be resolved. The tellers/receptionists Im speaking with arent being consistent or giving me the impression they have any idea what theyre talking about and wont allow me to contact the resolution department or a supervisor to determine the issue. 

XX/XX/XXXX will be a month my money will be tied up and theres ZERO indication that it will be ready at that point as theyve been wrong 2 times before. How will I pay bills? Rent?
Product: Credit reporting or other personal consumer reports

In XXXX I purchased a XXXXXXXX XXXX from XXXX XXXX XXXX and they financed the loan through XXXX XXXX XXXX Within XXXX weeks of having the vehicle the XXXX XXXX XXXX and had to be replaced, in which the warrant did cover but it was still a big inconvenience being I bought a vehicle for the reason of having reliable transportation. Within the next XXXX months I had many other issues with the vehicle in which the warranty would not cover so I had out of pocket expenses. Also within less than XXXX months of having them replace the motor, the motor went out again and the warranty would not cover it. I was out of pocket paying for more expenses and having to pay for a new motor. These circumstances put me in a XXXX XXXX at the hands of the dealership who either did not fix the issue the first time or who gave me another bad engine when they first replaced it. Even though the engine they replaced was faulty and did not last but a few months they stated it was not within the warranty and I had to pay out of pocket. I was already dealing with XXXX XXXX  from not having a vehicle to be able to work etc since and I was stuck making payments on a vehicle I was not able XXXX XXXX that was having multiple repairs made to it and then having to pay out of pocket for repairs. I feel this is not right and my credit report lists negative remarks when indeed I made timely payments but in XX/XX/year> was when I was without the vehicle for an entire month and paid over XXXX in repairs plus went a month unable to work due to having no vehicle and had XXXX to buy for XXXX kids. These people would not work with me what so ever knowing the position this dealer ship/finance company put me in and they did not try to help or make the situation right after I was deceived in buying a faulty vehicle and they failed to even replace the engine the first time with a suitable one that was not faulty. I have attached all paperwork to this claim. Im in process of legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus Equifax XXXX XXXX   are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.1.XXXX XXXX  {$34.00} 2.XXXX  XXXX  {$29.00} 3.XXXX XXXX {$110.00} 4. {$130.00} 5. {$35.00} 6. {$2700.00} 7. {$250.00} 8. {$35.00} 9. {$35.00} 10.XXXX  XXXX {$91.00} 11.XXXX XXXX {$240.00} 12.XXXX XXXX {$29.00} 13.XXXX XXXX {$150.00} 14.XXXX XXXX XXXX {$5800.00} these must be removed from my credit reports as they are fraudulent and you cant prove its mines or I will sue in court each violation is {$1000.00}
Product: Mortgage

Ditech has constantly mismanaged my escrow fund account. 
I received an Escrow Account Disclosure Statement, dated XX/XX/XXXX. I had an escrow surplus of {$6400.00} as I had more funds than needed to cover my minimum escrow balance. This statement said that I would receive a separate check for this surplus amount, as long as my account was current and if my account was past due, the surplus funds remain in my escrow account. My account was current and I did not receive a refund check and although I did not receive a check the surplus funds did not remain in my account. The first attachment is this statement. 
The second attachment is my escrow history where even though I had an escrow surplus, ditech was constantly doing an escrow advance and then an escrow advance repay to make it seem that my escrow account was in arrears. 
The third attachment is my payment history that shows that my escrow payments were incorrectly or not at all applied. 
The fourth attachment is an Escrow Account Disclosure Statement, dated XX/XX/XXXX showing that I have an escrow surplus of {$7900.00}. 
The negligence and misappropriation of funds by ditech needs to be addressed immediately along with an explanation of where my {$6400.00} surplus from last year, {$7900.00} surplus from this year, along with all of the escrow advances and repays is, including why there were escrow advances and repays when there has been an abundant surplus all along. 
And before ditech says that they are not servicing my loan as of XX/XX/XXXX, I am very well aware of that. This is not a complaint about the future. This is a complaint about ditech while they were servicing my loan and the mistakes that were made by their company and documented during that time.
Product: Credit reporting or other personal consumer reports

The mortgage was on autopay and the account was sold to Mr. Cooper and it was under assumption that that payments that was submitted and transferred to Mr. Cooper. I went to Mr. Cooper website had the payment scheduled to be take out as soon as possible on the XXXX and it wasn't taken out. I called them ask why the autopay didn't occur and ask how to make the account current and I was told that I could update the account with their Trial/Workout Payment which was {$6900.00} on XX/XX/XXXX including additional {$5900.00}. My regular payment is {$5900.00} which was paid on XX/XX/XXXX but for some reason it was reversed. The rep at Mr. Cooper never informed me that this would be reported as a forebearance. I did not request any forebearance. As the result of being coerced into this Trial/Workout Payment which is something I was not familiar and never used. My mortgage account since I have owned this home for the past 9 years has never been deliquent until that the rep from Mr. Cooper misinformed me. When I reviewed the statements it says " *The amount listed on this statement under " total amount due '' is based off your original loan terms ( or previously modified loan terms ) and will not reflect any trial modification, forbearance or repayment plan agreements. "
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my Credit Report and I notice a company on my report that I have no idea who they are. I called the company, to no avail, I received a voice message stating that this number is no longer allocated.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights. 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 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 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. Account needs to be removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call regarding home loans and how they work. Then I received a second call and they told me that my score was XXXX which I confirmed to be true. However, I never agreed to them processing an inquiry.
Product: Debt collection

To whom it may concern, I was looking at my XXXX XXXX on XX/XX/22 and noticed a big drop in my credit score. I see I have a collections from XXXX XXXX  for {$1600.00}. This company had tried to contact me weird hours in the past and i thought it was spam and explained to them they had the wrong person. They are saying the original creditor was XXXX FOR XXXX XXXX XXXX. This is identity theft or fraud as i never authorized anyone to use my name as I never even had a cable bill in my name. I have attached the credit karma of them in my collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name.

They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. 
At some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the spring of XX/XX/2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. 

I did attempt to file a police report in XX/XX/2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). 
I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however your company still refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account from my credit report. 

They have been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. You have changed your story several times and have been giving me the run around for nearly 18 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. 

I reported the accounts that was fraudulent to XXXX and were needing to be blocked back in the fall of last year ; instead of processing it is fraud, you opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days. 
I have documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I submitted an investigation request to Equifax nearly two months ago. We have followed up twice, but have yet to receive a response from them. 

I am attaching a copy of the request we sent to them on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I was trying to get cell phone service from a carrier. They said that they needed to run a credit check, so I gave them my SSN. When they ran my credit, my file was frozen. I then tried to unfreeze my credit report through Transunion only to find out that they intentionally banned me from freezing or unfreezing my credit report online, and I have to call them to change the setting for the rest of my life. One of their supervisors said that my account was flagged as " high risk/fraud '' by their system but wouldn't go into further detail. I believe this was because I sued them, but he said that it wasn't the reason. So since they won't give me a real reason, since they have defamed my character, I will be filing another small claims lawsuit tomorrow or possibly take it to federal court. They have defamed my character once again and I will not tolerate it by the slightest.
Product: Debt collection

HUNTER WARFIELD INC  #XXXX**
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Placed for Collection:XX/XX/XXXX
Responsibility: 	Individual Account
Account Type: 	Open Account
Loan Type: 	COLLECTION AGENCY/ATTORNEY
	
Balance: 	$XXXX
Date Updated: 	XX/XX/XXXX
Original Amount: 	$XXXX
Original Creditor: XXXX XXXX XXXX XXXX  (Rental/Leasing)
Past Due: 	>$XXXX<
	
Pay Status: 	>In Collection<
Remarks: >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX


This military housing debt 77% of this debt does not belong to me. I was XXXX XXXX living in military housing when the military XXXX XXXX XXXX XXXX XXXX The military is responsible for the 77%. I only owe $XXXX left on the debt for cleaning cost. My XXXX (housing allowance) military housing suppose to be paid my military.
Product: Credit reporting or other personal consumer reports

I appreciate your prompt attention to my previous request regarding the removal of a fraudulent inquiry from my credit file. However, I've identified there were still remaining discrepancies that require immediate resolution. I am a victim of identity theft, and in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I kindly request the removal of the following items within four business days from XXXX XXXX XXXXXXXX XXXX XXXXEXPERIANXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These discrepancies were not present in other bureaus, and I doubt the accuracy of the reported information. I have enclosed the relevant information, including another FTC Report ( # XXXX ) and a letter addressing the XXXX report issue. My attorney is aware of my intentions, and we are prepared to take legal action if these issues persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : Credco XXXX/XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) XXXX XXXX/XXXX XXXX  ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and XXXX XXXX pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received a copy of my credit report and there are items on my credit that are not mine. I didnt even know anything about these until I was not offered a job because of these items on my credit Please have these removed. XXXX XXXX XXXX XXXX ( acd # XXXX ), XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX { XXXX, XXXX XXXX, XXXX. XXXX/XXXX XXXX/XXXX and XXXX XXXX XXXX. I reached out to my local police and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems that XXXX has not received my request on multiple occasions to freeze my consumer report so this is a last ditch effort to submit the request through the cfpb.
Product: Credit card or prepaid card

I opened up a new credit card with Citi Bank over a month ago. I already have one card with them, and I opened the new card with all the same info ( name, phone, address, etc ) Now, after 6 weeks and hours on the phone and online chat with them, I still haven't received the card. I pulled my credit report and the card is being reported on my credit report to all the bureaus, even though the card is not yet activated and I have never received the card. Is that legal?

One customer service rep today said the card has been returned to them as returned mail twice for wrong address. After an hour on the phone we finally discovered that Citi has a different zip code than is listed on my online profile and account. However, they still haven't changed the zip for me, even though it goes to a nonexistent address. They keep saying the will call me back, but fail to do so. At this point its been over a month, the card is on my consumer credit reports with all the bureaus, and I have no access to it. It doesn't look like I'm ever going to get the card in the mail, and I literally can not get anyone from customer service ( either online, fraud department, customer service department, new account opening department ) to follow up with me and fix the issue. It just seems absurd that no one at Citi is able to fix a Zip Code error that is only showing up on their end. I even tried to just cancel the card, but they said I can't because it isn't showing up on my online profile yet ... because I haven't activated it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX not mine and address not mine XXXX XXXX XXXX XXXX tx XXXX remove the address and not my name
Product: Checking or savings account

I tried to withdraw XXXX XXXX dollars from an XXXX  atm and I didnt take the money out in time because I just had a XXXX so my mobility is a bit delayed!! So the atm took my money and told me to contact my financial institution!! So I contacted my financial institution which is cash app and I contacted XXXX  atm and they told me that cash app can perform a regulation E transfer back into my account!!
Product: Credit reporting, credit repair services, 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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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 reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated by this credit reporting agency. Some of my information is being unlawfully reported without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed account with credit acceptance corp. still showing up on all 3 credit bureau 's reports. This account has been closed/satisfied for some time now and would like it removed from all reports. Thank you very much.
Product: Money transfer, virtual currency, or money service

Want to continue with my investment account with XXXX but am unable to transfer funds due to the fact my bank does not want allow it. Believe this decision should be Ultimately up to the account owner.
Product: Credit reporting

I paid XXXX and case has been closed however, negative mark still remains on my credit report. I asked XXXX if they would delete mark after payment however said the could n't and it would be up to the credit bureau if they wanted to delete. I disputed this with Equifax however, they did not delete.