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

I made a wire transfer from my Bank of America account which I have held for 12 years to my business account within the XXXX ( funds held at XXXX XXXX XXXX, managed by XXXX XXXX. Without explanation, the transfer was halted. 

I then called to reverse the halt and to confirm my identity. Since opening my account with BofA XXXX years ago, I have changed passports three times and ID cards ( driver 's license, state ID ) three times. I gave BofA the number of my current passport as well as the number of the previous I had. Additionally, I communicated the number of my NY driver 's license. BofA did not accept any of these document the confirm my identity. Instead, they completely froze me out and I am now not able to access my funds online anymore. 

For further context I currently reside in XXXX and am unable to travel to the XXXX to confirm my identity ( my wife is XXXX  and our XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). There is no way for me to ascertain my identity since instead of letting me give them all my ID numbers, they just listened to three and decided I can't access the account. This is a major problem for me since a large portion of my XXXX funds sit with Bank of America.
Product: Credit card

I received a letter on XX/XX/24 dated XX/XX/24 sent to my name and personal address letting me know the Chase Sapphire Visa Signature account I applied for was denied. I did not apply for this credit card, and am under the assumption someone has stolen my identity to try to open this card. CarXXXX was denied because " Obligations too high relative to income. '' I have 2 credit cards, with high limits and a high household income, so this would not apply to me. I called many different Chase customer service numbers and could not get connected with someone. Finally was connected and the person told me their system was going through an update and to call back in a few hours. Chase application reference number XXXX.
Product: Credit reporting

I filed a dispute with Experian Credit Reporting Agency 25 or times regarding inaccuracies with XXXX XXXX XXXX. I am disappointed that Experian could not conduct a fair and impartial investigation of my dispute. I was told by Experian more than 25 times, if does not change and update inaccuracies on credit report the incorrect information will remain on my credit report. I asked the Experian rep what would be the point of me filing a dispute and sending in evidence to support my claim if they were bias and not going to perform a fair investigation. I asked them why would side with the creditor if they were wrong they said that their hands were tied and that there was nothing they could do. I told them the reason why I subscribed to their service for years is so that I could monitor my credit activity and file disputes if any item on my report was reporting in I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with XXXX Solutions XXXX XXXX XXXX handling the collection of the payments. XXXX has ruined my credit standings with Experian and the other XXXX credit agencies. On XXXX XXXX XXXX, I called XXXX and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. The XXXX Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. I think the loan should be reported to the collection agencies as not late and I also think collection of the loan should be canceled because of the outrageous interest they gave me. The loan was first given an interest rate of 13-16 percent initially and now for collection of the loan I was given a lower rate but the lower rate does not make up for all the interest that accrued during the higher interest rate, Thank you.
Product: Checking or savings account

I have been trying to use. The XXXX app that protects against overdraft fees, I received a notification that there was an error connecting to my back so I attempted to re log in and a message popped up on the screen saying my bank is blocking me from loging into my account. This happens everytime i try to connect my bank with anything even my other bank account XXXX. The bank I'm having this compilation with is capital one360 checking account
Product: Checking or savings account

During the process of opening a check account, their online system instruct me to transfer money to the new account using XXXX. I provided the authentication information and XXXX accepted without error. 
I asked the bank what's next for me to do. The told me just to wait. 
3 days later, First Tech charged me {$33.00} because the transfer didn't succeed. 

During the whole process, I wasn't informed there might be a penalty. 

My account number is : XXXX
Product: Vehicle loan or lease

I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, did not give TransUnion any written or verbal consent to furnish or mark anything on my consumer report. TransUnion has no legal authority to alter any information on my credit report without my explicit consent. Therefore, I demand the immediate removal of these accounts from my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that appear on my consumer credit report. These inquiries were made without my knowledge or consent and I believe they are unauthorized. Please see the attached documents. 

I also request the deletion of incorrect addresses, names, birthdates, phone numbers, and email addresses, as listed below : Addresses : The following addresses are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX 
Names : The following names are incorrect and should be removed : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. The only correct name is : XXXX XXXX XXXX. 
Birthdates : The following birthdates are incorrect and should be removed : XX/XX/XXXX and XX/XX/XXXX. The only correct birthdate is : XX/XX/XXXX. 
Phone Numbers : The following phone numbers are incorrect and should be removed : XXXX, XXXX, and XXXX. The only correct phone number is : XXXX. 
Emails : The following email addresses are incorrect and should be removed : XXXX, XXXX, XXXX, and XXXX. The only correct email address is : XXXX. 
I am writing to dispute unauthorized accounts listed on my credit report with XXXX XXXX. Specifically, I did not authorize or open the following accounts : an Online Installment Loan with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX for {$400.00} ; an Online Installment Loan with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX for {$1000.00} ; an Online Installment Loan with XXXX XXXX XXXXXXXX, account number XXXX, opened on XX/XX/XXXX for {$1700.00} ; and an Online Installment Loan with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX for {$2000.00}. These accounts were not initiated or authorized by me, and I request their immediate removal from my report. Please investigate these accounts as fraudulent, delete them from my file, and confirm these corrections in writing. 

Please find attached the following documents to support my dispute : A copy of my government-issued ID ( e.g., drivers license or passport ) A utility bill or bank statement verifying my current address A copy of my credit report with the unauthorized inquiries highlighted
Product: Credit card or prepaid card

XXXX Received a response back from Citi the issue is not resolved so they explained to you they are still working on it no they are not. They also came to a conclusion that they will add to all three credit bureaus a note stating I dispute that credit card and once the balance is paid in full I can contact them to have it removed. I pay my bill on time so why are they adding something to my credit report that has nothing to do with my request for a refund of the flight ticket. Why would they tell CFPB that they are still working on the issue and they are not. I need an explanation regarding why they have the right to add anything to the credit bureaus except late delinquent payments which I do not have.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the tradeline listed on my credit report. It has come to my attention that this account is not being reported with the maximum possible accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that there is 12 inquiries on all three credit bureaus that I do not recognize please help
Product: Debt collection

I have tried to dispute a cable bill with TransUnion because it has been paid XX/XX/XXXX. TransUnion has yet to remove this balance. I have tried disputing XX/XX/XXXX and XX/XX/XXXX and both times they claim they have accurate information. I have contacted XXXX XXXX the original creditor and they have indeed confirmed it was paid and sent me the receipt and bill. I also disputed with XXXX and they HAVE removed it.
Product: Mortgage

I submitted a complaint on this issue but the bank did not address the issue. 

First complaint info : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 I have requested information related to how exactly my ARM interest amount is being calculated as I am entitled to discounts- but I have yet to see how the bank is taking this into consideration. 

The bank 's statement that they are giving me what I am entitled to is not sufficient - I want the breakdown and transparent communication regarding my rate.
Product: Credit card

I am again reporting an issue with American Express and their collection practices. I have informed my single point of contact before that they CAN NOT call my Cell Phone during work hours ( XXXX - XXXX Central ) and that I will get in trouble if I answer a call. I am REPEATEDLY getting calls from American Express during these hours on work days ( M - F ). Since I documented this once before in a CFPB complaint, and this is now my second time for the same complaint, I am beyond frustrated. In addition, my SPOC called both my daughter and my mother on THEIR cell phones today. The voice mail left on my daughter 's phone, which EXPRESSLY states her name ( XXXX ) stated that " this is an important message for XXXX XXXX, XXXX this is ( XXXX name that I can not decipher ) from American Express, calling reference to your account that has been assigned to my unit. You have not responded to my previous attempts to call you and time is of the essence. I need you to call me as soon as possible at ( XXXX ) XXXX. '' This individual is contacting a 3rd party, on her cell phone without her permission, and stating his name, his employer, and references my account. He is not attempting a skip trace and did not state that he was attempting to locate me. He, in fact, left the exact same voice mail on my DAUGHTER 'S CELL PHONE as the one that he leaves ME on MY CELL PHONE during work hours ( he called during work hours for my daughter as well, who ALSO can not answer her phone during work hours ). He also called my MOTHER 'S cell phone, which is under my contract with XXXX, but again has no permission to call this cell phone. He left a message for my mother ALSO identifying that he is calling from American Express. Again, he called during work hours. I am waiting to hear from my other children to see if he has contacted them on their cell phones. All the while, I make my monthly payment to American Express and am reported as current. I called this evening, when I got off work ( still in the parking ramp in fact ) and left a message for my SPOC stating AGAIN that he can not call me at work / during work hours and that I WILL get in trouble. I stated that he does NOT have permission to call my mother 's cell or my children 's cells which I pay for. I again reiterated that I have stated this before about not calling during work hours and that I can not answer and that I will get in trouble. I repeated that he does not have permission to call my children 's or my mother 's cell phones and that these phones are on MY plan and that I pay for them. I do not have issue with working with American Express, and have been making my monthly payments and am trying to dig out from my hole. However, these continuous calls from my SPOC, during work hours, after I had stated clearly that I can not answer during work hours AND him now calling my children and my mother on their cell phones alerting them to the fact that I have a situation on my account with American Express is beyond ok. This seems to be outside the bounds of the Fair Debt Collection Practices Act.
Product: Credit reporting

Equifax wrongfully accepted an inaccurate claim submitted by a collection agency, XXXX XXXX XXXX, XX/XX/XXXX. The claim contains incorrect information which was reported to both Equifax and to XXXX. They ignore my repeated attempts to correct this matter. 
I contacted Equifax on : XX/XX/XXXX ( XXXX - supervisor ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX -hung up on me ) then ( XXXX-was abusive ) then XXXX in Nevada . He said my only option is to call XXXX to have them send a retraction on claim. He didnt care when I told him XXXX would not talk with me. 
Filed a verbal dispute with Equifax on XX/XX/XXXX against XXXX. The details I gave the person at Equifax regarding the dispute were not the same as what was listed in the dispute report. Instead of using my dispute claim of " incorrect information " on the claim, the Equifax person submitted dispute for 'verification only. ' Furthermore, this was incorrectly submitted to the wrong party ' XXXX XXXX ' who, no longer has any ownership in this matter. 
This was resulted in not addressing any of the factual information I had provided and gave a response that did not address the issue. 
All this was confirmed by a XXXX XXXX supervisor at Equifax on XX/XX/XXXX when I called in for an update on my dispute. I resubmitted the verbal dispute with XXXX XXXX to include all the factual information and, to be submitted to XXXX. 
XXXX did not address anything in the dispute and only gave the same meaningless reply of : " We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. 
Equifax is not making any effort to ensure the information reported on their reports is accurate. They admit they do n't care about their policy of allowing invalid negative information being used against account holders and, that they publicly post bogus inaccurate & damaging information to which its your burden to prove yourself innocent! 
This is a scam when they now ignore you and, refuse to even address the facts that were provided in the dispute. This is proven by their 'dispute results ' not mentioning anything about their claim : using incorrect XXXX codes and, my signed admission documents stating no charges can be made on procedures that are n't 'pre-approved ' by me and, no procedures were pre-approved. XXXX has these documents which were provided to them when taking ownership of this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my Rights. 
15 US Code 1681 c2a consumer reporting agency shall block the reporting of any info in my file that I did identify as a reusult of identity theft no later than 4 days after the receipt. 
it has been over 30 days and you are in violation of this law because I am a victim of identity theft. 
I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. NO Consent IS IDENTITY THEFT, As a consumer i am demanding deletion immediately
Product: Checking or savings account

Account ending in XXXX XXXX i paid XXXX to XXXX to pay mortgage through XXXX XXXX XXXX XXXX XX/XX/XXXX - An automatic payment was pulled to pay mortgage to XXXX for XXXX by accident. Making my account in the negative for insufficient funds I realized i made a mistake and called to cancel this payment. This payment was returned on XX/XX/XXXX as a returned item {$1400.00}. I cancelled the payment via online and asked the XXXX  rep that I was speaking to at XXXX XXXX  to cancel payment on his end. He said he will do his best. 
XX/XX/XXXX money was re pulled to make the payment but there was ins officiant funds. All these transfers match up on my checking account equally so that my payment was good for XXXX. 

in XXXX I received a letter from XXXX that I missed my mortgage payment. I didn't understand what happened... Through lots of phone calls and conferences between XXXX XXXX and Fiserve it was found that XXXX returned the {$1400.00} on XX/XX/XXXX due to me being short {$5.00} of my payment. For some reason Fiserv never credited my account for that money. My bank account still does not show this return. Fiserv said the money was theirs and I don't need to show the action on my account because they put the money out for me supposedly. We went back and forth for a while tracing numbers and phone calls with TD ( XXXX a XXXX at XXXX XXXX  ), fiserve, XXXX XXXX XXXX. Several cases were opened. In XXXX I received two letters. One letter stating that the {$1400.00} will be returned to me. The other stating a solution was resolved. The {$1400.00} was returned to my account in XXXX and I sent it to XXXX on XX/XX/XXXX to make up for the XXXX missing payment. Which I thought was the right thing. 

In XX/XX/XXXX, months after I thought this was resolved. I recieved nasty calls from a collection company saying they represent fiserve and i owe XXXX due to a payment from XXXX After going back and forth I explained that this was cleared up and I don't owe any money, It was a clarical error on XX/XX/XXXX that was lost and cleared up in XXXX. 

Since this time Fiserv has not been cooperative. I asked for a written statement of what they are saying. I have tried to get XXXX  to help me with handeling this situation but every time I call it is a new representative and every person interprets the siduation differently. Now Fiserv has put my account on hold. I can not make any payments for my mortgage nor other credit card companies.. I can't access my bill pay addresses until they get thier money. I do not feel I owe money. I feel this was a document error. XXXX  approved that it was wrong and refunded me the money. If I needed to pay Fiserv in any way shouldn't XXXX  and Fiserv have communicated that in a letter??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX XXXX Continuing to report inaccurate information on my consumer report.