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

As a charity organization we send funds to help services offering education and medical care for the poor in poor XXXX XXXX. When we tried to send a wire transfer of {$10000.00} on XX/XX/XXXX to the XXXX XXXX XXXX account in XXXX for the XXXX  under this service, the associate at bank of America, indicated that the account has to be in a person 's name even when the account was in the name of the XXXX XXXX We assumed that the bank associate is correct, and we sent the wire in the name of the director of the XXXX XXXXXXXX XXXX instead of the XXXX XXXX name. We also assumed that as long as the account number and XXXX XXXX XXXX are correct then the wire should get to their account in XXXX XXXX XXXX XXXX XXXX XXXX However, when the wire was sent the bank in XXXX returned the wire back due to incompatible name on XX/XX/XXXX to an intermediary bank which is XXXX XXXX  in the US. We have been constantly calling the wire dept for Bank of America almost every week for the past 4 months and visiting the bank branch to try to return the fund bank to our account with bank of America with no success. We have also made multiple visits to both bank of America and XXXX bank to try to retrieve the money back to XXXX XXXX XXXX account in the US but always told that we sent messages to XXXX bank and have to wait for them to respond. When I tried to contact XXXX wire department they told us they can not speak to us because we have no account with them. We were told to go back to bank of America and ask them to talk to them. When we went back to bank of America, they said that XXXX bank got their messages but the money has not come back till now to our account. This has been the most frustrating and exhausting experience to our organization since we started almost XXXX XXXX XXXX. I repeatedly explained to bank of America that this is much needed fund for almost XXXX XXXX XXXX XXXX XXXX XXXX under the care of the XXXX XXXX XXXX but all our words have gone avail. I, here, plea to the CFPB to help us resolve this issue and get us the fund back to XXXX XXXX XXXX XXXX account since the recall of the wire was based on Bank of America associate mis-information.
Product: Credit reporting or other personal consumer reports

First I can only get my report from Experian the other main two XXXX and XXXX will not give me a report. I am receiving bills for things I did not order or get. I am a XXXX year old Veteran and am attempting to get a car or truck and this trouble I do not need. I know for sure someone has my information or something. This all new to me and I think coming to your company about id theft is the right thing to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a loan modification agreement with The Money Source in XXXX t

o get the payments reduced. They approved the agreement and gave me a temporary new payment amount to make for a trial period of 4 months. I never missed a payment during this trial period, all payments however were made to The Money Source Loss Mitigation Department and not through the same channel as my regular payments were made. Once the trial period was completed and the new payment amount became the new final payment amount, then I started making payments again through the online portal and the account showed current starting in XXXX. However, they never went back and corrected or removed the 4 months of late payments that show now on my credit report which aren't true because I did make the payments. They told me that once the agreement was finalized that the account would show corrected and current. They never told me that it would forever show that I missed 4 months of payments. Now I'm unable to refinance my home ever again because of these late payments showing even though I've now paid off all other debt except my home. My credit still shows as poor to fair.
Product: Consumer Loan

I opened a {$40000.00} home equity line of credit with PNC Bank secured by my {$150000.00} home XX/XX/2014 with the agreement I would pay XXXX interest on any money borrowed as well as a {$50.00} annual fee. In one XXXX-month period ( XXXX - XXXX ) I paid three XXXX 3 XXXX {$50.00} " annual '' fees as well as two {$30.00} non-sufficient funds ( NSF ) charges that are not applicable to an account of this type. All but one of the {$50.00} annual fees are improper and should not be applied to my account. It is possible I have paid other fees, but the bank has refused to provide me access to my prior account history online. Two of the {$50.00} annual fees are improper because, obviously, I have only agreed to one {$50.00} annual fee per XXXX-month period. The NSF charges are improper because I have monthly payments automatically deducted from a PNC checking account, and the history shows no attempted withdrawals from that account during times of insufficient funds. XXXX One PNC customer service rep told me the NSF charges were prompted by an attempted withdrawal by PNC from an account that was different that the one I had set up for automatic payments and belonged to someone else. ) I have attached a screenshot of my account that shows the improper " annual '' fee and NSF charges. The bank has refused, despite several phone calls and more than XXXX hours of my time, to refund the improper charges.
Product: Credit card or prepaid card

Acceptances by CAPITAL ONE on account number ending in XXXX Certificate Of Non-Response : I, XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account number ending in XXXX. This notice is pursuant to federal and state law evidence of dishonor XXXX XXXX and UCC XXXX XXXX I state the following as facts. On the date of XX/XX/2022, CAPITAL ONE at XXXX XXXX XXXX XXXX XXXX, IL XXXX received a remittance/coupon payment via United States Postal Service Priority Mail and a CAPITAL ONE agent signed for the payment as verified by Certificate Of Service . After acceptance of mailing, CAPITAL ONE refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding account number ending in XXXX. CAPITAL ONE did not send my payment back to me within 3 business days and kept it for their own gain. CAPITAL ONE did not cure their dishonor. CAPITAL ONE gave no creditable or justifiable reason, or federal laws and or regulations for refusal to confirm the adjustment and settlement of account number ending in XXXX or send a notice of dishonor. Despite the numerous phone calls to multiple CAPITAL ONE departments including but not limited to the Customer Service department, Payments/ Billing department, Account Services , Legal Department , Executive Office , Collections Department , about my payment not being reflected on my account, trying to explain and give a breakdown as to why federal law says this is a legal form of payment and what FDIC Law 7500- FRB Regulation 204.1 iv defines what a deposit is : ( Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ; CAPITAL ONE has willingly and knowingly been non compliant and has ignored federal law. Sources : Bills Of Exchange Act, Truth in Lending Act, UCC 1-202, UCC 3-103 , UCC 3-104, UCC 3-603, UCC 3-503, UCC 3-311, UCC 3-301 , UCC 3-302, UCC 3-415.
Product: Credit reporting or other personal consumer reports

I'm writing to whom it may concern to dispute inaccurate information on my credit profile and have them removed and deleted immediately. The inaccurate Credit items I need deleted will be listed below. I've been a victim of identity theft and didn't open any of these accounts or make these inquires on my credit profile. I reported the theft to the Federal Trade Commission and have documents to support my claim. I demand these items be deleted immediately from my credit profile as it is causing damage to my life my happiness and my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Capital One did not inform me that my data had been at risk as a result of the data breach in 2019. Capital One also did not contact me regarding the Settlement. Because I was not properly informed, I can not join the settlement because the deadline has passed. It was Capital Ones responsibility to contact all users affected and failed to do so. Ive had issues with my personal data bring on the black market since this breach and wouldve liked to be contacted as well as compensated. I did not exclude myself from the settlement either.
Product: Checking or savings account

I opened a checking account online with M & T Bank on XX/XX/year>. Only two days later, they locked me out of my online account. When I called them, they said I have to go to a branch to resolve this issue. The nearest branch they have is in another city 6 hours drive from my home. This is completely unreasonable. 
I don't understand how they can arbitrarily block access to my account without providing a way to resolve it over the phone. I have verified my identity with their call representative but they still don't do anything about my account over the phone.
Product: Credit reporting or other personal consumer reports

this is my second dispute regarding accounts on my credit report that does not belong to me i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, 609, 611, 608 : -XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$5300.00}
Product: Mortgage

Our home mortgage was being serviced by Seterus. In XXXX 2016, we decided to refinance our mortgage.Prior to our closing date XXXX/XXXX/16, I contacted Seterus on several occasions to find out how much money was remaining in our escrow account, so that we would know what we could expect to receive back in the way of an escrow refund check after we closed and fully paid off the mortgage with Seterus. I was told that we would have {$4700.00} remaining in the escrow account. However, we instead received a check in the amount of {$2100.00} ( dated XXXX/XXXX/16 ) as our escrow account refund. When I called to inquire about this discrepancy, I was told that I must submit a request in writing requesting an explanation of the actual disbursement of funds from the escrow account, which I immediately did. I was sent a final escrow account disclosure statement, which showed the projected and actual payments to and from the escrow account. However, there is a large variation in the actual monthly payments to escrow. When I called again to attempt to get clarification on this matter, I was again told to submit a written request, which I did. After more than a month, I received a response from Seterus, which was a copy of my customer account activity statement. This statement is very unclear and confusing. I called Seterus and spoke to numerous representatives and supervisors, none of whom were able to clarify or make sense of this statement after spending numerous hours on the phone with them. Again, I was told to submit a written request to the correspondence department, even though my calls were to follow up on and clarify a previous response from the same correspondence department. I have sent this request on XXXX XXXX, 2016 and, to date, have only received confirmation from Seterus that they received my request, but nothing more to provide any additional information about the discrepancy between what I was told would be our escrow refund and the actual refund we received. This matter has been unresolved since XXXX 2016.
Product: Credit card or prepaid card

I filed a request to use my payment security as I had lost most of my hours. The benefit was initially requested for starting in XXXX. They made a couple months worth of my payments while they did whatever it is they do to process the claim. Then I was sent a letter requesting paystubs for the months after XXXX which I provided. Next I was told to provide paystubs for XXXX and XXXX to show I still was experiencing a reduction in hours which I provided. They sent another letter stating they needed more paystubs so I sent my XXXX as I am an independent XXXX and the XXXX listed my income for each month for the entire year. Now they are saying they need actual paystubs for the month prior to XXXX and a XXXX isn't good enough. I'm starting to feel like they are just going to keep dragging this out and ask me for more and more things. I want them to process my claim in a timely manner and stop asking me over and over for more information. My benefit request number is XXXX.
Product: Credit card

On XX/XX/2016 I sent a notorized letter by certified mail # XXXX to XXXX, Bank of America,XXXX XXXX XXXX XXXX NC XXXX stating I wanted my Bank of America Credit Card account and the credit I have refunded. It was delivered on XX/XX/2016 Several times I was contacted by BOA about closing the account and getting a refund. I answered all the questions, but BOA has failed to close the account or refund my money.
Product: Credit card or prepaid card

BankOfAmerica charged me both a late fee and interest fee. I had tried setting up auto pay in the past but could not find a way to do it. I have several other credit cards and they all offer the option to pay the full balance on the due date which allows me to avoid those fees. BankOfAmerica does has not offered me this option and I reached out to their customer service 3 times on Sunday XX/XX/2018 to get a one time refund but they are refusing that request. Right now, the only option I have is to set up an auto pay for a certain dollar amount, which is not helpful since the account balance varies significantly month after month.

I feel like this is a predetory banking practice by deliberatley making it difficult to set up auto pay to impose these unecessary fees.
Product: Credit card or prepaid card

The first week of XXXX 2022, I realized that my Emails were hacked and Passwords changed. I immediately called Discover Card, and notified them. I deactivated or closed all Credit Cards and Bank accounts. I issued a Credit Freeze and Fraud Alerts at all 3 bureaus. My identity theft was caused by a Data Breach at XXXX XXXX XXXX XXXX, which affected many thousands of Consumers. Many fraudulent charges on Discover Card. I closed all accounts. And then the identity thief was able to reopoen one EVEN with an active fraud alert!!!! I requested by phone, several letters with enclosed id 's, Emails, etc. all info relevant to my accounts. Transaction history, all account info, and especially how this identity was able to open an account in my name with active fraud alert. 

This was to be mailed to my current address : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX No Response. 
Discover Card is in violation of FCRA for ignoring my many, many, requests for the above information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identification was stolen in XX/XX/XXXX, and XXXX XXXX HAS NOT added this important factor into my credit report. 

I clearly had established credit in XX/XX/XXXX when I got an federal student loan without an co-signer. Why don't i have an credit score? 

Why can't I receive ANY CREDIT AFTRR MY IDENTIFICATION THEFT. 

XXXX XXXX HAS NOT EXISTED SINCE XX/XX/XXXX when my identification was stolen DUE TO AN TEXAS DMV CLERICAL ERROR. 

Why is hasn't my creditor, XXXX  : 1. Update mt credit file to XXXX XXXX, that's matched my nevada id. 

2. Notified creditors that I'm an vitcim of an federal offense. 

3. Basic common sense, I had good to great credit in XX/XX/XXXX, why isnt this shown on my credit report. 

4. Why is my credit score blank, when I previously got an federal student loan.
Product: Credit reporting or other personal consumer reports

My credit report shows multiple inquiries that I didnt authorize
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' Experian : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. XXXX reports the account as derogatory, while Experian shows it as paid. Additionally, the reasons for closure vary, with XXXX reporting it as canceled by the credit grantor and Experian indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing.

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
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. 

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: Checking or savings account

The company has stated that my account was closed but has continued to authorize transactions past the supposed closing date. The bank is not allowing me access to my funds via the ATM and my debit card is not working.
Product: Debt collection

These inquiries were not approved by me, and I strongly suspect they are fraudulent. I request that you conduct a comprehensive investigation and promptly expunge them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a negative account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. XXXX wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged charge off account. XXXX XXXX XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. XXXX XXXX also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting XXXX XXXX to delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.