23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 credit accounts are the results of identity theft and fraud.
Product: Debt collection

AFNI, INC ORIGINAL CREDITOR AT XXXX XXXX XXXX/XXXX/19 {$1600.00} placed for collection
Product: Money transfer, virtual currency, or money service

Hello, In XXXX, I was able to wire transfer money internationally in USD, and again in XXXX and XXXX as my account history shows. and the bank charged XXXX or XXXX $ XXXX for that transaction. 
I tried in the past 3 to 4 days to make an international wire transfer in USD but Bank of America is giving me error message ( online or in person at the branch ). I tried to do the wire transfer to multiple international banks in 2 different countries. all gave me the same error message. 
The bank error reads " we are unable to process your request. if your beneficiary is able to receive a different currency, you may try again with that currency. we apologize for the inconvenience " When I try to do the same international wire transfer in the foreign currency of the receiving bank, it works fine. ( no error messages ). and only shows the exchange rate of Bank of America for that currency.

Facts : 1 ) Bank of America ( both online and in person ) denying my wire transfers in USD to foreign bank accounts.

2 ) I tried multiple different foreign banks in 2 different countries.

3 ) all the foreign bank accounts are in USD. so the money will be received and handed internationally in USD.

4 ) all my attempts resulted in the mentioned error message.

5 ) Bank of America ( online and in person ) only allowed me to proceed with the international wire transfer, if I indicate the amount to be sent internationally in the local currency of the recipient bank.

6 ) multiple Bank associates told me ( in person and on the phone ) that the error message is because the recipient bank is not communicating their fees to Bank of America. therefore Bank of America can not proceed with the transfer because it can not disclose the international bank fees as required by federal law in the U.S.

7 ) when I tried to do the international wire transfer in the local currency of the recipient international bank. Bank of America failed to disclose any type of fees of the recipient bank. but only showed bank of America exchange rate to that currency.

8 ) I called Bank of America and spoke to 3 agents who failed to give a straight answer to why I can not send foreign wire transaction in USD to foreign bank account ( account in USD ) as I did many times in the past. they only said laws changed.

9 ) if laws changed, why does the option to wire internationally in USD, still available ( online and in person ). 
10 ) I filed a formal complaint with agent XXXX from Bank of America on XX/XX/XXXX when I called on XXXX XXXX ( the phone call with Bank of America lasted 1 hour and 24 minutes ). 
11 ) Bank of America formal complaint number is : XXXX
Product: Debt collection

Last year, mid XX/XX/2018 I walked into a XXXX  store, told them I was done with XXXX, paid off my complete bill and phone, and went to XXXX. A few months back another company tried to claim I owed XXXX money. Now I see Diversified Consultants is claiming I owe a debt that I had already paid in full. 
This debt is not valid and I demand to see proof that it is owed. I demand to see proof that I have not already settled this account, and that my last large payment was not all the money owed at the time I paid it. 
I need to see the original signed contract otherwise this mark against my credit needs to be removed immediately. 
This is affecting my current credit score greatly, and it is very upsetting to have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filed bankruptcy on XX/XX/XXXX and reaffirmed our XXXX XXXX XXXX that was financed with XXXX XXXX XXXX XXXX. We continued making our payments as agreed and were never late during the entire duration of the loan. I paid XX/XX/XXXX payment on XX/XX/XXXX and then we traded the car in on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported to Transunion that we were 120-149 days late and as of today XX/XX/XXXX the account is still opened and showing derogatory. I contacted them in XX/XX/XXXX to have this resolved and sent in all 12 months of my Checking account statements as requested and they refused to remove it from my credit report, causing me to have a low credit score and difficulties with financing. I have also disputed this with Transunion and it continues to be on my report as of today XX/XX/XXXX. XXXX XXXX XXXX XXXX continues to tell us that we were late in XX/XX/XXXX ( Pmt made on XX/XX/XXXX ) and I also made XXXX pmt on XX/XX/XXXX. I have all of my bank statements where every pmt was debited from my checking account and all of the loan coupons with confirmation numbers on them due to paying them either online or over the phone. I really need this resolved as it is preventing me from financing a home. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and I have submitted multiple disputes to this case and has not yet resolved the problem I have in my bureau of XXXX 2 months late payments XXXX and XXXX I have never had late payments with the company capital one Account closed always been punctual in my payments I have the account statements that confirm my punctuality with payments to capital one please update my payment history ..
Product: Money transfer, virtual currency, or money service

I was contacted by XXXX XXXX XXXX or so I thought, the caller told me there were multiple transactions over {$1000.00} being sent via XXXX and asked if that was me or fraudulent, I asked it was not me and was transferred to so called XXXX XXXX team member. I was than asked to send money via my checking account to verify I was in fact the account holder and I stupidly did so not thinking anything of it as the caller ID showed from a bank, I sent money via my Wells Fargo account via XXXX to what showed as XXXX XXXX Department that same rep told me to go to a XXXX XXXX yes, I know now this sounds ridiculous and a major red flag ) and needed to send more money, which I did stupidly. After realizing what has been done, I opened multiple claims with Wells Fargo in which they eventually told me they wouldnt assist in getting my money back, that they couldnt prove that I was scammed and that since I willingly sent money that I was pretty much XXXX. I requested the situation be escalated and that my account be reviewed to show that I have never sent this kind of money via XXXX or wire transfer in the past, I even offered to share the call records and texts I received from the scammers. 

I feel that because I am a young male, that I am not being believed. I feel violated and that if I was an elderly male, this wouldnt be an issue and I would have been made whole. I am a father of XXXX, I work hard for my money and feel like Wells Fargo has completely turned their back on me and my family.
Product: Student loan

Through the CARES act, I requested a refund of student loan payments made during the Covid-19 pandemic. I made my original request in XXXX of 2022. My servicer was XXXX and was transferred to Aidvantage. I have called several times to get status updates and have received contrasting information each time. My last contact with aidvantage Informed me that my request was not yet moving forward because of a lack of information from XXXX and was told that it would take several months ( from XX/XX/XXXX ) to receive a refund. I have no way of knowing if my request is actually happening and when I might receive the funds.
Product: Checking or savings account

I moved from XXXX to XXXX in XXXX. I opened a bank account under Huntington National Bank because there were 0 XXXX XXXX XXXX XXXX  in the state of XXXX. I moved back to XXXX and closed the account in XX/XX/XXXX. They even sent me a check for the remaining balance in my account! 

But twice the bank has called randomly demanding {$150.00}? And saying that my closed account I literally can not even view anymore has insufficient funds and piling up late fees. Im furious. Ive called 8 times and everytime someone assures me the it should be fixed now. Ive absolutely had it, and know 200 % I owe them nothing. This is a complete scam and Im literally not tolerating it for another minute.
Product: Credit reporting or other personal consumer reports

Paid settlement offer to XXXX XXXX XXXX XXXX for Montgomery Ward XXXX XXXX XXXX account. Account # XXXX. Payment Date XX/XX/year>. Was advised settlement payment would reduce amount owed/ balance due to XXXX. 

Montgomery Ward is currently still reporting a balance due of XXXX, and status as charged off. I have contacted Montgomery Ward, XXXX XXXX collections, as well as XXXX several times and have not been successful in my attempts to get accurate information updated.
Product: Mortgage

Not converting trial my modifications into permanent loans Most loan modifications begin with a three-month trial period. As long as I makd timely payments during that trial period, the loan modification is supposed to be converted into a permanent loan modification. Servicer failed to convert my trial periods into permanent modifications.Billed me out side the XXXX the entire modification process, although I was given a trial payment which I fulfilled the agreement.
Product: Credit card or prepaid card

I OPENED THIS CARD I THINK IN 2016. A WHILE BACK I HAD A FAMILY, HEALTH AND JOB ISSUES AND I HAVE TRIED TO WORK THINGS OUT WITH THE CAPITAL ONE BANK. 
I HAVE CALLED MANY TIMES TO MAKE PAYMENTS, ETC ON THIS ACCOUNT OF THE LAST COUPLE YEARS. THEY HAVE BEEN VERY DIFFICULT TO WORK WITH, TALK TO, ITS GOTTEN TO THE POINT THEY WONT TALK TO ME, THEY WONT TAKE MY PAYMENTS, THEY HAVE SCREWED UP MY CREDIT OVER AND OVER, THEY HAVE THREATENED ME. IT GOES ON AND ON.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX NOT XXXX. I HAVE PAID FOR XXXX TO GET REMOVED. IVE SENT IN DOCUMENTS AND THEY ARE SENDING THE WRONG NAME TO MY CREDIT AGENCIES. IVE SENT THEM MY SOCIAL STATING CORRECT NAME AND SENT IN COURT DOCUMENTS AND STILL THEY ARE SENDING MY INFO WITHOUT MY PERMISSION AND REFUSES TO CHANGE AND REMOVE XXXX. THEY REFUSE TO LOOK AT MY DOCUMENTS AND KEEPING A FRAUD LAST NAME IS ILLEGAL AND SENDING MY INFORMATION TO OTHER CREDITORS UNDER A FALSE NAME IS ILLEGAL. IM SENDING MY ACCURATE DOCUMENTS 1 LAST TIME HERE. THEY REFUSE TO REMOVE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am writing this complaint because Transunion are not doing their job to assure maximum possible accuracy on my credit report. I wrote them a letter addressing this problem and request they sent a debt validation and they have yet to provide that and it is almost 45 days since I sent out my letter to them requesting this. The letter was sent out XX/XX/2022. Transunion not sending me that, I am assuming they don't have one and I don't understand why it would still be reporting on my report if they can't prove to me how it was validated and with whom it was validated with. I am requesting they remove these inaccurate accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have violated my rights according to 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 : 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. Because XXXX and Equifax show totally different information and the dates, amounts and reporting information is inaccurate. The following shows the inaccuracies. This needs to be removed immediately. 

Date Opened XX/XX/XXXX XX/XX/XXXX Balance : {$43000.00} {$43000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$38000.00} {$38000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$6000.00} {$5300.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Variable rate Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX XX/XX/2019 Statement I notice it said " Promotional Balance : {$530.00} no interest for 6 months.pmt req. I called Home Depot Customer Service and told them I didn't ask for or gave permission for the to put this offer onto my account and I want it off now. 
The supervisor XXXX stated " It's deferring the payments for 6 months, if you pay the balance in 6 months you pay not interest for purchases up and over {$290.00}. But if you don't pay within 6 months the add all the interest at the end of the 6 months and it all the same thing. I told her I rather have the interest included in my monthly payment and I didn't and don't want this Promotional Offer. She stated their is nothing they can do. Use another card if I don't want this option. 

Home Depot has and " Deferred Interest Promotional Offer '', they automatically put on your credit card without your permission. If you spend {$290.00} and over the interest deferred for 6 months. if you don't pay within 6 months they throw all that interest into your credit card payment at one time. I didn't ask for this offer I don't want this offer and I want it removed from my credit card account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors
Product: Credit reporting, credit repair services, or other personal consumer reports

i have truned in a police report and i have contected the companies for both of theses and truned in the police report please remove this off my credit persolve legal group acct number XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 2 collections on my credit report that are not mine 1 is XXXX XXXX XXXX and the other one is XXXX XXXX XXXX it was opened on XX/XX/XXXX and the other one was opened XXXX XXXX XXXX  The amounts is {$420.00} and the other one is {XXXX
Product: Credit card

To whom is May concern. 

We applied for military SCRA benefits through American Express secure messaging on XX/XX/XXXX. We have filled out the proper documents they need to prove we qualify. our home record is a KP state Ohio. We were told it would be 7 to 10 days that we would hear back. On the 10tXXXX day, they sent us a letter requesting more information which is not legally necessary. Our HOR legally allows us to have scra benefits applied to all accounts according to the law laid out Ohio XXXX. XXXX XXXX. XXXX ( D ) ( XXXX XXXX ). 
We also find that they are discriminating certain members over others. We personally know multiple service members who have applied and have gotten approved without sending in any information. We also know members who have been approved without being from a KP state. We legally are from OHIO and we have proof that we already sent in. We also pay Ohio taxes. We shouldnt have to spend more time waiting for this approval and trying to prove our service to this great nation. If this is not approved in a timely manner we will continue to file complaints and seek more action. This is causing distress to our financial situation and as a member serving the United States airforce I would hope businesses would do better for military members. Approving SCRA isnt optional for credit card companies its required by law if the service member is eligible and we are eligible. We have been approved by 8 other Credit card companies very easily it would look very bad on American Express if they were the only ones who didnt approve us. I would also like to add their department to call and get help for their SCRA benefits is HORRIBLE! Most reps dont speak english and no one knows anything about scra! Everytime I have called its over an hour explaining things and then not resolving anything. Every other Credit card company I have delt with has amazing costumer service for the service members requesting scra benefits and the process is so easy and they know what they are talking about. Some companies have approved and adjusted interest all in the same day!
Product: Debt collection

To whom it may concern, I filed a dispute on the XXXX of XXXX of XXXX about this collection agency ( Source Receivables Management ). On XXXX of XX/XX/XXXX XXXX completed the dispute by stating that they investigated the dispute and that it will remain on my credit. On XXXX I went back into XXXX and did a XXXX dispute about this company stating to them that I do not owe this company nor do I have a sign contract with this company. On XXXX of XXXX I contacted XXXX and asked them to provide me with documentation of the investigation into how this investigation took steps to show that I owe this company. I spoke with a dispute representative XXXX XXXX  around XXXX, the representative stated to me at first they just call the company, then the representative said that they did a internal investigation, so at that time I ask the representative to send me the documentation showing that I owe this company and the steps they took to deal with this matter, the response from the representative stated to me that he could not provide me any documents of the steps they took nor did the company send them any documents. I ask the representative then how did you come to the conclusion that I owe this company and that it will remain on my credit until XXXX, the representative stated he do not know what else to tell me, but this matter is solved and then hung up the phone on me. I have sent XXXX and Source Receivables Management a validation letter asking for sign documentation showing that I owe this company. XXXX refused and the only thing that the company Source Receivables Management sent was a printout of the bill they generated. Showing that they brought this debt from a creditor on XX/XX/XXXX which shows that I never had a sign contract with Source Receivables Management, and I do not owe them.
Product: Vehicle loan or lease

I need to update a payment arrangement I made in the amount of XXXX, not including late charges which total around XXXX, I believe. Payments are scheduled to post on XX/XX/XXXX in the amounts of XXXX and XXXX via XXXX bill pay, another payment will be made on XX/XX/XXXX in the amount of XXXX, I believe this covers the month of XXXX and part of XXXX. I will work on getting remainder of XXXX payment by second week of XXXX, by the XXXX. I do not know about XXXX 's payment.. Currently, I do not have a phone to call to adjust this payment arrangement, it was noted by a manager in collections prior, that rep replied to last complaint I made. Also, I need to know when account is eligible for another extension/deferral, I believe the last one was several months ago. Please note, the reason for adjustment to arrangement is due to a property tax bill on the vehicle in the amount of XXXX, which needs to be paid as it will prevent vehicle from registration renewal. In Connecticut, you are not allowed to register your vehicle if a property tax bill is due on it.
Product: Credit card or prepaid card

I purchased a home warranty from XXXX XXXX XXXX using my American Express credit card on XX/XX/2020. An item in the house covered by the warranty starting having problems. I contacted the company on XX/XX/2020 to use the service they had sold me. The company assigned a contractor that never showed up and never answered the calls. I got an estimate form my own contractor and sent it to the company. They came up with excuses to refuse the repair. Among those was that there is 3 months waiting period which was never mentioned when I purchased the service and was not in their written terms of purchase. I canceled the service but never received a refund. I contacted American Express and disputed the charge with them. They have rebilled the charge to my account. I tried to explain the situation but they did not seem to care. I expect that American Express to protect me from faulty merchants. I did not receive the service I paid for. I use credit card for most my purchases because I trust if the merchant does not hold their end of bargain, I have a recourse. The other credit cards I use have always stood behind the transaction. Th XXXX XXXX XXXX seems to operate as a scam. They advertise and sell a product that they do not provide. They also use deceitful practices to refuse service. In summary, I have not received the service I purchased through American Express credit card and I expect the company to refund my money and stand behind the protections they advertise they provide to consumer.