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

Dear Sir /Madam I made a XXXX  XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX in the amount of XXXX USD on XX/XX/2022 with purpose to prepaid a purchase of apartment in XXXX XXXX reference number is XXXX ) or ( Tracking reference is XXXX ) This payment was rejected by XXXX XXXX XXXX XXXX XXXX XX/XX/2022 but as of now the money didn't return to me because the Bank of America N.A XXXX is held it without explaining the reason. My Bank ( XXXX XXXX ) on behalf on me sent requests via XXXX to return the funds on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As of today XX/XX/2022, according to the information provided by my bank ( XXXX XXXX ( XXXX ) ) the transfer is held by Bank of America N.A. ( XXXX ) as a corresponding bank. Bank of America ignored all requests and messages from XXXX to refund the money. 
Also i tried to contact with Bank of America directly by myself. I sent them a messages via e-mail. they also ignored me and my kind requests to refund my money to my account. I provided all necessary documentation for this transfer such as : contract and other supporting documentation. 
I made complain thru CFPB and XXXX XXXX on behalf of Bank of America wrote me via e-mail and asked to call her but her phone never answered, only automatically answering machine worked on her phone during her working hours. 
Attached is the copy of the promise of purchase agreement with XXXX company who sells me an apartment in XXXX XXXX, XXXX tracker of money transfer. Copy of my personal mails to BOFA that remain unanswered are also attached
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding an account reported on my credit file by XXXX  ( Student Loan, Account # : XXXX ), which is currently being reported by TransUnion and Equifax .

Violations and Issues Identified : FCRA 605 ( a ) This account is obsolete, as the last activity occurred in XXXX, over XXXX  years ago. It must be deleted immediately from my report.

Inconsistent Reporting Dates TransUnion reports the last update as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. These dates conflict, indicating inaccurate and incomplete information, which violates FCRA 602 ( A ) and 607 ( b ).

Dispute Comment Violation ( FCRA 611 ) TransUnion continues to report Dispute resolved ; reported by grantor, which is misleading and should have been removed once the dispute was resolved. This affects how future lenders view the account.

FERPA Violation & Privacy Breach Given credible reports that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  ) were given unauthorized access to XXXX XXXX XXXX systems, there is now reasonable concern that my private educational financial records were accessed or exposed without consent. This potential FERPA violation warrants immediate deletion of any related educational accounts, including this one. 
I am requesting this account be deleted immediately from my credit file due to the violations listed above. I expect a prompt and lawful resolution in accordance with the FCRA and CFPB guidelines. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally file a dispute and complaint regarding an alleged debt collection by Northstar Location Services , LLC, as referenced in their letter dated XX/XX/year>. This letter claims that I owe a balance of {$7100.00} to XXXX XXXX with account number XXXX. 

However, I wish to assert the following : No Valid Debt : I do not owe this debt, nor have I been provided with adequate proof that it is mine. XXXX XXXX has already removed this account from my credit report, indicating that this debt may have been incorrectly reported or otherwise resolved. 

Northstar Location Services , LLC Not on My Credit Report : Northstar Location Services , LLC is not listed on my credit report in connection with this alleged debt, and I have no record of them being involved in any debt collection related to me. This indicates that their efforts to collect this debt are unfounded. 

Unlawful Collection Practices : Despite the removal of the debt from my credit report, Northstar Location Services is continuing to pursue collection efforts. This is incorrect and likely a violation of the Fair Debt Collection Practices Act ( FDCPA ), as I am not responsible for this debt. 

Request for Resolution : I request that Northstar Location Services , LLC cease all collection efforts and provide written confirmation that they will not report or pursue this debt further. I also seek compensation for any potential harm caused by this erroneous collection attempt.

Under 15 U.S. Code 1681n, 15 U.S. Code 1681o, and 15 U.S. Code 1692e, I request that this matter be investigated and resolved promptly to prevent any further harm to my credit or financial standing. 

Please confirm receipt of this complaint and provide updates on the resolution of this issue. I have attached all relevant documentation, including the letter from Northstar Location Services , LLC, for your review. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I stopped using my credit card since XXXX 2017  and paid off all the balance due. I have tried not to use it because of the interest charges was too much for me, even though i have checking and savings account with the company and always check the account online with my phone, what is strange is anytime i open the account i only sees  the checking and savings only without seeing the credit card account. Last month in XXXX i was checking my checking account and i saw there was a transfer of XXXX from my checking account to credit card account immediately i call the bank but they asking for some codeword that i couldn't remember so they couldn't resolve the issue they required i should  go to their branch to  reset the codeword, the branch was far from where i leave about XXXX mile from me so i couldn't go and decide to found time to go later.  About XXXX weeks ago   I went online again on desktop computer  to print out my statement to support my social security document they ask me to bring, when i get in the account i realized there is amount due of XXXX for credit card so i was what i don't even use this credit card anymore for the pass XXXX month how come do i own them so i click on it and notice there are some transactions that i have no idea about i kept scrolling down and noticed somebody been using credit card for the pass XXXX month from XXXX 2017. So i called the bank and they said i should go online and freeze the account which i did . The next day i drove abut XXXX miles to one of their branch and reported the case and they closed all of my account and opened a new one for me. But ask me to go for police report since the fraudulent been using my navy checking account to make payment for the credit card and even the transaction is more than XXXX days.
Product: Credit card

Im applying for credit card after I got big painting company no one try to approve me after I make XXXX a year
Product: Checking or savings account

on XX/XX/XXXX i sent a Real time payment ( RTP ) from my HSBC SAVINGS account XXXX to my XXXX bank checking account XXXX in the amount of {$860.00}. The payment never arrived. I have been stonewalled by HSBC on this for months, they keep telling me they are investigating and then saying the money was received. it is my account and i can easily prove the money never landed with statements but they will not look at them. This happened with my HSBC CHECKING account as well ( I will submit a seperate complaint ) within a few days of each other or the same day i can't even remember for XXXX. Same thing happened with that payemnt, it never arrived. HSBC stole my money and i can't get them to do anything. I am afraid to close my accounts cause then i'll have no relationship to get my money back but it's been more then 6 months and they have sent me a letter they will no longer investigate. So frustrating, they have stolen XXXX from me. please help!
Product: Credit reporting or other personal consumer reports

I dont believe that Experian investigated my dispute in XXXX of 2024. I was never send information from any party that the information was accurate and true. Under code 15 U.S.C. 1681i
Product: Checking or savings account

Since I did finally get this month 's SS check transferred, I am still not Whole, I have lost so much since the beginning of XXXX. Both Banks have cost me my livelihood, my new employment for my son and I, not to mention the late fees and bills, borrow from family and friends just to live. I am asking not only for the XXXX that was stolen, but I am also asking for XXXX and Chase Bank to compensate me for my loss as well as my son 's. I do not believe XXXX dollars for XXXX and XXXX for Chase Bank is unreasonable, I have lost a lot more than that, I now have had to start paying back the loan that I took out for employment and move. This is so disgusting ; it is horrible how insured banks can destroy a person 's livelihood overnight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that were not authorized by me & they wont get taken off
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy XXXX-XXXX-XX/XX/16
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt on there and I do not owe this debt. This car should have been completely covered with my GAP insurance. I submitted the paperwork a while ago and haven't hear back from GM Financial. They however, continue to negatively report on my credit. This needs to be removed and you need to report accurately.
Product: Mortgage

Nationstar is not applying my XXXX payment I submitted to my account. I have made regular monthly payments every month since they inherited this account.
Product: Mortgage

I have been trying to apply for a loan modification for 3 years now when my husband was injured at work and I was having trouble keeping up with the bills on my own. we 've had to send in same paperwork numerous times and either they do n't get it ( even though someone signs for it ) or something is always wrong with it. I hired a 3rd party company ( XXXX XXXX ) to try and help with Ocwen. It i going on year that I have been dealing with them and nothing seems to help. Same thing with them Ocwen either loses paperwork or they say they did not get even when someone signs for the delivery. Its always something. They tell me Ive been approved and send the papers I need to sign ( 6 times ). Every time I sign and send in something is wrong, either they did n't get or notary does n't acknowledge my signature which my name is not on the loan. The notary does n't even understand what they mean. I 've had to have the same paper notarized 6 time. Then they say everything went through and expect finalization papers and instead I get default letters. I have been making my payments as per agreement. They input my payment a late. I ask what the issue is an again they say something to do with paperwork. I try to make my next payment and they refuse it and send it back to me saying its not enough to reinstate. and threaten foreclosure. I think I get everything straightened out and back to default. It just keeps going round and round. And now I get a letter that my home is going into a sheriff sale on XXXX,2017. My home was never put into the foreclosure process. I get 1 letter saying that I am only {$2200.00} behind and next letter is {$4000.00}. Almost all of this is due to their negligence. How can they put my home in sheriff sale so soon and not go through the foreclosure process and with only the small amount owed. I have contacted the attorney general, the office of insurance and financing and my congressman and nothing or no one can seem to help with this company and their wrong doing. How can a company that has had so many billions of dollars in lawsuits for the same things be allowed to continue to do business. I do have an appointment with a lawyer tomorrow to see what my options are. There is more to my complaint but to much to list on here. can someone please help with this.
Product: Credit reporting or other personal consumer reports

This Citibank/CBNA/bestbuy credit card keep showing up on my report as a late payment after I explain to them numerous of times that this account was open fraudulently I never had a Best Buy account. I have sent them proof of the police report that XXXX report And I also sent them proof of the person who opened the account thats held responsible. I had no knowledge of this account. I did not give consent to open this account and when I originally call back in XXXX they told me that they will remove it from my credit but instead they keep taking my credit score down by XXXX XXXX XXXX as a late payment I do not have this credit card. I do not know anything about this credit card besides is a balance due thats {$2000.00} and I guess the monthly payment was XXXX. Im not sure but I was told by a hardship person from Citibank or Best Buy that I will have to go on a payment plan for {$43.00} a month until they figure out what happen which I think is stupid because I never ever open this account. I told them my sister opened this account. She registered a phone in my name also stole money out of the bank account to pay on several accounts, using other peoples money by law, this is fried by putting this on my credit report. This is inaccurate information. I did not apply for the account. I do not live at the address that they use would open in the account that is not my phone number thats on the account and I have sent in my lease and I was locked up at the time when the car was open and I have provided them with the updated address phone number and email. Anyone can go online it open up anything in anyones name just by stealing their information Best Buy or XXXX. Whoever they are needs to be held accountable and delete this from my credit report all three credit rules because I am not able to get a home because they keep saying that I am past due for a balance of {$210.00}. I did not open this account and I do not want to pay on something I did not open I do not live at the address that is on my drivers license. I have not yet changed the address, but I will be going to. I have not lived there in several years that is our parents home. if you look at my discharge papers, you will see. I was not out at the time that the Credit Card was open. I have been in and out of XXXX XXXX.
Product: Student loan

My student loan has been transferred to kohn law firm and I went to court over it and had signed and agreement to pay than I got some information thru a debt management that said I didn't need to pay because XXXX XXXX XXXX XXXX got a false lawsuit,
Product: Credit reporting or other personal consumer reports

I want to know why XXXX took 3 months to update my account balance from {$950.00} to {$0.00} and then turned around when I disputed their reporting to TransUnion and pulled a credit check on me to close my credit card which dropped me XXXX points despite paying off my full balance. 

My credit score dropped in one whole month from XXXX ( qualifying score for their card ) to XXXX as a result of them adding and removing remarks to my account on top of shady business practice. 

My score the day they closed it would have been a qualifying one had they properly reported for 3 months. They used a fraudulent score to cancel my credit card in the store as they DAMAGED my score for 3 months and my score went up XXXX points the day they CHANGED my information however my credit score surely would have been within range on the day they did a credit check if they properly reported my balance due. 

Nothing about my accounts has changed since they approved me, they have a full view of my credit history and should not have approved me if they seem me such a risk. 

Closing this account has caused further damage to my score as I sit at XXXX today and would surely be above XXXX if I had that open line of {$1000.00} credit with a {$0.00} balance. 

They must not have realized I make over {$66000.00} a year because there should be no reason for denial especially after I paid their balance in full. 

Attached in photos you will see my credit score as high as XXXX the day I disputed the negligent reporting of my credit score. 

You will see that XXXX and XXXX is still reported as unknown despite the date of account closing. There has been severe mishandling of this account.
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. 

Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 card or prepaid card

Hello On XX/XX/19 I received a form letter notifying me that Capital One credit card was changing due dates to the 1st of every month effective XX/XX/XXXX. And that if I wanted to change it ( back to the XXXX ), I'd have to arrange that but it would take 1-2 billing cycles XXXX XXXX XXXX for that to take effect. 

On XX/XX/19, when I had an hour to set aside, I phoned Capital One and spoke with a customer service person XXXX, then Sr Acct Supervisor XXXX ID No. XXXX, who told me that it was a 'wash ' because they had skipped XXXX payments. XXXX did arrange for my payment due date to be the XXXX of the months but could not guarantee what date it would take effect, and said I'd incur late fees and service charges if I didn't pay it in full. This is a credit card I pay in full every month. The shell game here is that Capitol one gets a potential of 10-40 days of payment earlier than they otherwise would, without having given consumers the 45 days notice they are required to by law. 

On XX/XX/19 I wrote a letter to their CEO and reiterated that I'd like this to revert to the 21st effective immediately. I also sent him/Capital One an invoice to compensate me for an hour of my time. 

I'd appreciate you looking into this for me. It's unfair to consumers, and some of it is against the law. Most people don't have time to deal with this, and the credit card companies get away with it. 

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

I settled debt with 2 credit cards capital one, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX had purchased the debt from lender ( XXXX XXXX XXXX ) so this one is reported to the credit reporting agency. 2 times for the same debt to XXXX and XXXX. I have been in touch with all three Company 's they all said they would contact the agency 's to correct the problem. one of them sent in.some information to fix it, but 4 days later they re reported it to XXXX and XXXX that its a new account in collections. i put a dispute with all 3 of the credit agency 's they have not fix it as will they said we will looking to it and investigate it. It could take up 90 days. it only took 4 days to add it back on. why would they tell me they can help me. they can look at the report and see it was removed than added back on. they are playing with my life. I was going to apply for a home mortgage by now but i'm not able to receive a mortgage now and have to wait until they do some thing to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXX  XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XXXX XXXX, XXXX ) XXXX XXXX Please remove these inquiries from my Equifax Report
Product: Prepaid card

I was given a {$400.00} American Express Gift Card.

According to the back of the card it is usable at " U.S. Merchants that accept American Express Gift Cards. '' To date I have tried to use the card and two restaurants that accept American Express and the card didn't work at either. 

I tried also to use the card at XXXX and the card did not work. 

I tried to load the card for use in my XXXX XXXX XXXXXXXX but it did not work there either. 

Merchants stated the card could not be used since it lacks a chip for their chip reader. 

Another merchant told me the card could not be because it lacks a three-digit CVC code XXXX 

American Express has stated ( on the card back and by phone ) that the card can not be redeemed for cash or otherwise refunded. 

So far I have spent a great deal of time trying to use this card and have failed at each attempt. I have validated that there's {$400.00} on the card but have been totally unable to make purchases with the card.