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

As part of a house purchase I needed to sell stocks in various broker accounts and aggregate them in a bank account. Our title company requires us to to a Federal Reserve Wire. Since this is a large amount and might be an usual transaction I called my bank Discover Bank on XX/XX/XXXX to confirm whether I can make 1 ) a Federal Reserve Wire, 2 ) that I will be moving a large amount of money ( about XXXX ) into the account and use for a downpayment and whether there are limitations that would apply. At the time my account had about {$39000.00} in it. 

I was told, that despite the account being a savings account, that I should not have any problems doing a wire for a downpayment on a house and that the only restrictions are the 6 transactions per month. 

Based on this information I sold stocks in XXXX XXXX and XXXX and made large transfers into the Dsicover account. The most significant ones being from XXXX : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and from XXXX XXXX : XXXX on XX/XX/XXXX. 

On Friday XX/XX/XXXX I initiated a transfer to the Title company of $ XXXX. Later that day I received a message from Discover to verify the wire by calling them, which I did. They said the wire will go through a security review and should transfer on XX/XX/XXXX. 

On XX/XX/XXXX the wire did not happen and upon my request and after talking with multiple representatives and managers I was told that my account had been flagged, specifically the XXXX deposits as being irregular and potentially fraud. To protect me, their client, and themselves, the money will be on HOLD until XX/XX/XXXX. Eventually I was told I could access {$61000.00}, but that would not be sufficient for the downpayment on the house purchase I was doing. 
I explained that I specifically informed the bank of these transactions and was given a green light and that this puts me into a financially very difficult position and we will likely loose the house were trying to buy. 
Also, the money has already been in the account for 2 weeks and Ive moved money from and to XXXX from this account before. 

Furthermore I was also suggested to review holding periods in Discovers terms, but the longest period I could find was up to 10 business days. 

I offered Discover to provide them with statements or anything they want to verify that the money is mine, Ive also been with them since XXXX, so they know my account and they know the XXXX account I move money from and to. 

The people I worked with were polite and nice, but there was no viable option offered as a solution. We also talked about closing the account, cashiers checks and ACH transactions, but all of them would not allow the full amount to be released until XX/XX/XXXX.
Product: Consumer Loan

I am a XXXX yr old woman on social security. In 2013 I applied to credit acceptqnce for a car acceptance for a {$10000.00} dollar car loan. I swear I agreed to an 8percent finance fee ; they now claim I owe on an 18 percent loan! They call my phone every 1/2 hour from XXXX till XXXX every day I feel they are a " preditary lending group ''. And they 're preying on seniors & the poor. Are there any other complaints about this company/ And how can I find out about joining in on them? And how can I get this harassment to stop? It is starting to affect my health ( nerves ). I hate to hear my phone ringing Please advise me & warn others of this credit acceptance company I haver already paid what the car cost & am being harassed for the amount they say is finance charges. Thanks for any advice offered.
Product: Bank account or service

Chase bank, intentionally reorders transactions that are processed through a checking account in order to generate additional fees for accounts that go into overdraft. 

For example, If I have a balance of XXXX in my account and they process XXXX transactions and the order of those transactions is 1 ) XXXX 2 ) XXXX 3 ) XXXX If these are processed in the order received there would be a single change of XXXX. 
However Chase reorders these transactions largest to smallest, resulting in XXXX charges of XXXX resulting in charges of XXXX the maximum they can charge in one day ( a total of XXXX transactions ). 

2 ) If you call to ask them not to process recurring transactions on your account they tell you that they can not stop these transactions, or inquire about what the criteria is for processing a transaction when your account is in overdraft they will not give you a specific answer, they say that it depends on your account standing, but also will not/ can not tell you what standing your account is in, effectively making it a complete mystery as to what automatic payments will be payed and which ones will not. 

I believe that they are intentionally withholding information, and manipulating account processing in order to generate more revenue, and defrauding the customers that can least afford these fees of their hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a consumer/natural person I am sending in this complaint on behalf of myself, there is no third party involved. I reviewed my credit report and found unauthorized inquires. I did not give written consent for these items to be furnished on my report or for the lenders to access my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My loan switched to Dovenmuehle on XXXX XXXX, 2016, loan number XXXX. I set up my on line account. On XXXX XXXX at around XXXX XXXX XXXX, I tried to login but could n't. I first pressed " forgot user name '' and got my user name 'mlestina ' by email. I then pressed the " forgot password '' button, answered a lot of security information, but never received a link as promised. I was left to keep trying different passwords until I was locked out. I tried calling in to correct this at XXXX but was on hold for over 30 minutes and gave up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to communicate with your Offices to have the alleged accounts listed in Exhibit B DELETED from my credit report. 

The alleged accounts listed in Exhibit B are false, invalid, inaccurate and carry no documented evidence as being valid. To the least, none of these items have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting these non-compliant and unverifiable items on my credit report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer the financial institution shall provide a notice of such furnishing of negative information in writing, to the customer.

( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

I did not receive written notice from any of the Data Furnishers that they were going to report negative information to a consumer reporting agency. 

In accordance with the Federal Law outlined above, I exercise my rights under the FCRA that you ( XXXX, Transunion, and XXXX ) provide proof of the required notice. 

I demand certified proof that your offices and the Data Furnishers complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you need to present me with a certificate in testimony that all of the alleged items presented in Exhibit B are in fact valid and not subterfuge?

I would like this affidavit to serve as my final notice to your offices to DELETE the alleged accounts listed in EXHIBIT B. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from Attached Affidavit ) *****
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so thats violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights XXXX violated again due to my lack of consent.
Product: Credit card

I was applying for a credit card when an accident caused part of my body to unintentionally press the decline offer button while I was reading the terms of the application. There was no secondary prompt asking if I was sure, the offer was completely gone. I tried reapplying and was denied. I called capitol one and they were unable to resolve the issue, even though it was still within the counter offer time. I did not press the button with my finger or intentionally in anyway. Part of my body brushed up against the screen and pressed the button. I am no longer able to apply for the same level of credit card. It is my opinion that there should have been a secondary prompt confirming the selection being made because my credit has been affected negatively by a complete accident. It seems to me that this scenario could happen in many different ways to a large number of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  Account 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax received my dispute about Bankruptcys on my credit file as being incorrect. As of XX/XX/XXXX, I still have not received the results of the dispute nor has the information been deleted. When I called Equifax, the supervisor named XXXX with employee ID XXXX, states the information was sent electronically to an old email address and refused to send it to a new email address on file. Equifax has also not removed old addresses or employers as requested in XX/XX/XXXX. XXXX advised me the information has been verified with the Bankruptcy court, which I know to be untrue because the courts do not verify this information by calling them over the phone which she indicated is how it was verified. Equifax has not followed the guidelines set forth by the FCPB.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : 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 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 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 XXXXXX/XX/XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance! Has to removed off all my credit bureaus
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Fraudulent information appeared on my XXXX, TransUnion, and XXXX credit report due to fraud. I disputed the inaccurate information to XXXX, TransUnion, and XXXX. XXXX, TransUnion, and XXXX verified that some of the fraudulent information belonged to me and continues to report inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Mortgage

After paying off my home mortgage in full, Well Fargo has flatly refused to return the original signed Note. The mortgage was sold as part of a collateralized debt instrument to investors. I suspect they are double-dipping and continuing to use the Note as collateral on the CDI because I paid off my loan 27 years early. This would require them to admit to the fund that the CDI is worth about XXXX dollars less than they sold it for. Instead they filed a notice electronically with the county indicating that the Note was paid. The electronic filing can legally be claimed to be a mistake later if they produce the original signed Note. The only thing I have been provided with is a copy of the electronic filing which is not valid as it lacks a corporate endorsement seal on it.
Product: Debt collection

I settled the account back in 2010 and this collection agency sold my account to another agency even after got a paid in full letter confirming paid off debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer report from XXXX, XXXX and Experian. I noticed this inaccurate account posted on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( a ) ( 1 ) ( A ), DELETE this INACCURATE ACCOUNT listed below before the end of the 30 day period after receiving this notice of dispute. 

XXXX XXXXXXXX XXXX XXXX XXXX  Acct # : XXXX These companies is in clear violation of the law! 15 USC 1681e Compliance procedures And 15 USC 1681b Permissible Purpose of consumer reports 15 USC 1681e ( b ) Compliance procedures, THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave these companies written instructions to furnish this account on my consumer report!
Product: Student loan

In XXXX my husband and I filed for bankruptcy. While filing bankruptcy, on the advice to my attorney we filed for adversary bankruptcy for the student loans, because the amount of debt I had collected was more than what I could pay back. At the time of my filing my loan service provider was XXXX, then in XXXX, it was bought by Aidvantage. In XXXX, my bankrupt was finalized and XX/XX/XXXX, my attorney informed me my student loans were discharged. I received a copy of the stipulation on which had also stated the student loan was discharged. Months after I called them, but they stated they had not received the court papers yet, I was told to call back 2-3 months. I called again, by now it was XXXX going into XXXX, I called my servicer provided again, and asked them had they receive the paperwork yet. Again I was told not yet, and that I should upload the paperwork. I uploaded them in my portal. I waited a few months, and called in XXXX XXXX  XXXX. I was the same story. At this point I was upset and mad, I asked to speak to a supervisor and the supervisor as well told me to re-upload my documents again, and the the department of education had a lot going on because of the Biden loan forgiveness. I told the lady I spoke with this was not a loan forgiveness, this was a loan discharge through a bankruptcy case. I advised her that I have a Federal Court Stipulation. Again I upload the court stipulation. Now we are in XXXX, and my loan provider has not done anything. I called them in XXXX XXXX XXXX, they told they had received the paperwork I submitted and that it will take some time. I was already upset and mad because a whole year I have been fighting this and nothing was done. They told me that someone would call me to ask questions about my documents. Another month passes by, nobody called. I called back the loan provider in XXXX XXXX XXXX, was given the run around that it will be fixed not to worry. I called my attorney at this point because it was gross negligence on the loan provider, they had the court stipulation that proved my loan was discharged in it entirety with no interest. Come to find the loan provider has been charging me interest and sending emails that I have made a payment. My attorney called, she given the same run around that it will be taken care of. Months had passed, I called again in XXXX XXXX  XXXX, nothing had changed. They told me to call back in a few months. I was already upset. This has cause so much harm to my credit and being able to get rates for a new car for my XXXX XXXX. I cant even buy a house because of it. I waited until the new year to call. So in XXXX, I called in XXXX. The lady stated XXXX XXXX we apologize, we have the documents we have to fix it on our end. It is now XXXX XXXX and nothing is being done. The loan keeps getting interest on it, when the it should have been wiped from my account, credit history and anywhere that can view the loan. I need help, I need someone to direct me to where I need to go to get this taken off from loan provider and my credit. My credit is taking a huge hit because of this loan. Please help.
Product: Credit card or prepaid card

I scheduled a payment of the account balance in full, however, because the payment due date was Sunday XX/XX/XXXX and due to the XX/XX/XXXX holiday, the payment didn't post until XX/XX/XXXX. I called AMEX on XX/XX/XXXX and they refunded the late fee of {$29.00}. On XX/XX/XXXX, AMEX assessed interest and on XX/XX/XXXX two representatives relayed via phone that there is no way to refund interest on an account after AMEX assesses it ( even though the interest posted days after the payment posted ). AMEX also refused to allow me to redeem all of my points, without explanation. By way of background, this account offered a promotional 0 % APR. I paid the balance in full before that offer expired and have been making regular timely payments since, with the exception the XX/XX/XXXX payment because I literally was unable to set up a payment to post that date due to the holidays and the Sunday due date. The representative offered to refund a portion of the interest, but only if I agreed to keep the account open for 12 months. I declined and closed the account.