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

On XXXX XXXX I wire transferred {$620.00} using my Bank of America online services to the beneficiary " recipient '' in XXXX XXXX 
The money never made it through. 
I contacted BOA " Wire room '' at XXXX more than 30 times and walked into 2 different branches seeking help in returning my funds.

many complains and management escalations had been turned in by BOA wire room representatives on my behalf to BOA. 
Unfortunately, I had been giving the song and dance about the money being stuck at their middle bank " XXXX  ''. 
Also, last month I was told that form " 202 '' needed to be completed and returned to " XXXX  '' from an account manager at BOA to complete the refund.

That simple task was not done. 
I was provided with a case # XXXX I have not been contacted by anyone from BOF except 1 missed call and a message from XXXX at the wire room stating to call the XXXX if I needed help. 
This poor communication is extremely unacceptable and consumers should not chase their financial institute regarding our hard earned money. 
Can some one please call me. I truly need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account on my credit report from XXXX, reported delinquent in XXXX, XXXX. I have never opened this account.I have disputed this account with XXXX, Equifax, and XXXX   and it comes back verified. I have tried reaching out to XXXX and they tell me the account is too old to do anything about, and unless I have the account number they refuse to discuss it with me. The account had a balance of XXXX. After I disputed the account numerous times it now shows {$0.00} balance, but updates {$0.00} dollars with a derogratory statement on XXXX and Equifax monthly. XXXX has a XXXX balance but havent updated since XXXX. I am so frustrated with this situation. XXXX is the worst, everytime I disputed the DOFD was updated until it now shows, XX/XX/XXXX. The other CRAs have the DOFD at XX/XX/XXXX. This is wrong and illegal. Please help me get this fraudulent account off all three CRAs.
Product: Student loan

Back in XX/XX/2023 I was notified by Ed financial that I co-signed a student loan for a XXXX XXXX XXXX. I dont know this person and I never co-signed for a student loan. They are saying the loan is {$31000.00}. I have XXXX identity insurance and they have been trying to get a hold of Ed financial and at first they did reply saying we need to fill out a fraud kit. So they sent me one and I also contacted my local police and they filed the case. We sent that all back to Ed financial and they said they received it and to give them 60 days to review. Now they dont contact me or XXXX XXXX We all have emailed them numerous times with no response. 
I dont want to get a lawyer but that is my next step if this doesnt resolve this whole mess. I have my credit frozen so I dont understand how they can just put me down as a co-signer.
Product: Credit reporting, credit repair services, or other personal consumer reports

been a victim of fraud have numerous inquires on my report that was dismissed and then added back years later contacted Transunion and XXXX they asking for another police report ...
Product: Mortgage

I locked an interest rate with Citibank on XX/XX/20 to refinance my home. I was given a 60 day closing estimate. Six months later Citibank still has not closed my loan. I've probably spent a total of 24-48 hours of my time working on this refinance with Citibank. I have emailed over 60 documents. Most of these documents are just requested because previous documents expired. Multiple checks on my credit have been made. I opened my home to an appraiser in XXXX. This appraisal will soon expire. I have been told multiple times " We're almost there, just please send us the following documents ''. I have tried to escalate the issue. I have spoken to 2 different managers. I am paying {$1200.00} per month more in interest because Citibank can't close my loan. I have lost the opportunity to refinance with other lenders while Citibank strung me along. I am a XXXX Private Client.
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter inviting me to apply for Citibank personal loan I applied and was turned down. I just received an explanation of the disapproval and it was US residential mailing address required. I live live in a small town where you have to get your mail at the post office. In fact, I got their offer through a letter they sent to my post office box. 

I tried to call them to work this out, but the number that came with the form only allowed me to hear my refusal again I couldnt get through to a human being. 

I am not sure if theres some confusion if I put the wrong thing on the form or if it really is their policy not to give loans to people who get their mail at post office boxes.
Product: Credit reporting or other personal consumer reports

My rights have been violated according to the law. Late payments are illegal. If my transactions are not on my consumer report how there be a late payment if the transactions are not included on my consumer report.

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 1681 A ( 2 ) A1 states ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer
Product: Debt collection

The account listed is for  XXXX   XXXX , my name ie  XXXX   XXXX   XXXX . My social security number was used and I have never received service from this provider.
Product: Student loan

I currently have three separate loans with XXXX that are in the re-payment period for which I am struggling to view my payment history. My father currently is the primary borrower on the account, however I am allowed to make payments. XXXX has told me ( via their customer service line ) that they can only email me a copy of my payment history within 3-5 business days, or mail me a copy within 7-10 business days. I want to view my payment history to plan out my re-payment time and also re-calculate the accrued interest on the account. The fact that I am allowed to make my payments but not see my payment history is very concerning.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Credit Bureau Inquiries Inquiry Date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry Date : XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. XXXX ) XXXX XXXX XXXX XXXX XXXX and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process a was unfair and deceptive, as they did non '' ky comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

In XXXX of this year I received a written notification that I owed Jefferson Capital Systems {$3200.00}. Apparently the original " creditor '' was XXXX XXXX in XXXX XXXX, Minnesota. The date it was opened was apparently XX/XX/19. I have never been to XXXX XXXX nor did I open this account. I have no knowledge of this account, did not authorize this account, and expect this account to have been opened due to identity theft. I disputed the collection with both XXXX and XXXX XXXX, but both companies only verified that the information was accurate. I refuse to pay {$3200.00} because I did not open this account. I am furious that neither XXXX nor XXXX XXXX verified that the charge was fraudulent.
Product: Debt collection

A landlord refuses to refund the security deposit and pre paid last month payment, and decided to hire a collection company XX/XX/2019 A collection company, Credit International Corporation in XXXX Wa. fails to serve any documentation. 

XX/XX/2019, XXXX XXXX called and notified that I wasn't responding and therefore they are going in to a collection process. I have repeatedly called back with no answers. 

XX/XX/2019, the collection agency reported a derogatory on all credit bureaus. 

Again this morning, a call was made and Mr. XXXX hung up again, failed to provide me with evidence of debt. 

A letter was written and sent to the Credit International Corporation and filed complaint with FTC and CFPB.
Product: Credit reporting

XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure an wrong amount I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted lexisnexis on XX/XX/XXXX asking how they verified the information that XXXX, XXXX and XXXX are saying they furnished them regarding the bankruptcy on my credit report. On XXXX they replied that the bankruptcy was accurate without providing me the information that I was asking for even though at the bottom of their letter they said it was my right to request the process on how they obtain and verify this information. They tried to make it like I was disputing the information when I simply asked for the process of verification. on XX/XX/XXXX they sent another letter saying they were going to dispute/remove the info from XXXX, XXXX, XXXX. Then on XX/XX/XXXX they sent another letter stating they can't give the results of the investigation because I didn't fully identify myself which can't be true or else they wouldn't have responded to me on XXXX. Therefore I followed up today with response demanding what I asked for on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns in regards to the multiple law suits against XXXX and their way of handling disputes. Especially in the light handling of CFPB lawsuit highlighting the significant issues with the platform. Despite using XXXX multiple times and reporting discrepancies my financial institution and XXXX failed to investigate my claims and state that theres nothing they could do. They told me that recovering lost funds was impossible and and tracking these transactions was not possible either. It has been found that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This is unacceptable. I myself have been a victim of these and have lost a lot of money, money I have to work hard to earn.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mail a letter to Experian, XXXX, and XXXX asking validation of XXXX FIN account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Experian, XXXX, and XXXX have been report inaccurate information to my consumer report which have cause a hardship in my obtaining a vehicle.
Product: Vehicle loan or lease

I went to Mercedes Benz in XXXX to get a business car loan. I was told that I would not be a cosigner, that they'd run my credit just to verify my score ( a soft pull ) They ran my credit twice in the span of 5 minutes. I was told they ran it once to verify my credit which ended up being a hard pull, not a soft pull like they explained. And, they ran it again for an approval. When I got the second pull I complained to the financial department and they again stated the first pull was a soft pull. To top it off, I was approved for the car with {$0.00} down but when I looked at the paperwork I saw that they had me down as a cosigner and that it would report to my personal credit not my business credit. When I brought it up they said the deal was already signed and that's just how they do business. And, that's how all car companies worked for business loans, which is another lie. 

When I walked out to start the car, it wouldn't work because the key battery was dead, they then changed the battery 3 times and the car wouldn't recognize the key. Imagine being lied to for 7 hours to have a car that will not start. I let them know I didn't want the car and I wanted the inquiries removed from my report since they lied about everything and the car wouldn't even start. They agreed, but almost a month later and it hasn't been removed.
Product: Debt collection

Acima has placed a collection on my credit which they have charged off. I never went through this company to receive any loan or whatever it was used for. This is a fraudulent charge that was accumulated sometime in the early part of XXXX. I have tried to dispute this account twice with no changes so Im going as far as I can to have this removed. My XXXX  account was flagged in XXXX for fraud due to this account.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with your lack of response to my previous complaints submitted on seven separate occasions. Despite my repeated attempts to address serious issues concerning my credit report, I have yet to receive any acknowledgment or resolution from your office, TRANSUNION, XXXX, XXXX I am currently a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and subsequently reported on my credit file. Additionally, I have noticed collections appearing on my report that I did not authorize. These inaccuracies are significantly affecting my credit standing and causing me considerable distress. The Fair Credit Reporting Act ( FCRA ) entitles me to a prompt and thorough investigation of any disputed information on my credit report. Your continued failure to respond not only violates these rights but also exacerbates the financial and emotional toll of the identity theft I am experiencing.
Product: Mortgage

Homeowner did everything to try and save their home. They determined that the home was unaffordable for them and decided to pursue a short sale of the property. This was a difficult decision for the client to make, but realized this was in their best interest. 
The short sale was initiated on XX/XX/XXXX with an approval letter being submitted on XX/XX/XXXX in the amount of {$440000.00}. We submitted a value dispute and appraisal showing a value around {$420000.00}. The property was built and designed for little people and does not conform with standard properties. In a detailed conversation with XXXX XXXX at the lender ; a possible approval was discussed at {$420000.00}. The buyer is prepared to close at this price and seller can avoid foreclosure. 
On XXXX XXXX we received a denial notice from the lender advising that the offer was not high enough and they were proceeding with foreclosure. 

Additionally, this is an invalid foreclosure. The original sale date was issued for XX/XX/XXXX. Since the sale has been postponed XXXX times, it is mandated by California State Law that new foreclosure proceedings must be filed starting the foreclosure process over. No new Notice of Default has been filed. Therefore, to proceed with the foreclosure sale tomorrow would be an invalid and illegal foreclosure.
Product: Debt collection

Today I called Lobel Financial to inquiry about settling a lien I had. While coming to an agreement on the phone Lobel illegally, without verbal or written consent pulled a hard copy of my credit report. When I noticed what they'd done I called several times and asked Lobel to remove the unauthorized inquiry as it damages my chances to obtain future credit. Each time they hung up in my face without an explanation on why they were illegally obtaining my credit history.
Product: Mortgage

Nationstar Mortgage sent me mortgage statements in XX/XX/XXXX indicating past due balances of more than {$140000.00}, however, Nationstar has deleted the credit line from my credit report. 

OnXX/XX/XXXX, XXXX XXXX 's associate, XXXX called me to inquire if I had an HOA and to verify if it my telephone number was a cell number and if it was ok to contact me on that number. 

Nationstar Mortgage generally refers me to their counsel, XXXX XXXX, to inquire about the status of this alleged account. Nationstar or their counsel will not talk with me referencing this account or advise status. 

I have vehemently disputed this account since XX/XX/XXXX, I have not made any payments or agreed to make any payments. 

N
Product: Checking or savings account

Back in XX/XX/XXXX, BofA targeted me through my online account used to manage my credit card with " an exclusive {$300.00} checking offer '' for opening a checking account. The terms were to make {$4000.00} in " Qualifying Direct Deposits '' within 90 days of account opening, and the bonus would be paid within 60 days. I opened an Advantage Plus Checking account online through the link provided by them on  XX/XX/XXXX, and fulfilled those terms with payroll direct deposits by XX/XX/XXXX, as follows : XXXX {$240.00}, XX/XX/XXXX {$630.00}, XX/XX/XXXX {$600.00}, XXXX {$980.00}, XXXX {$1000.00}, XX/XX/XXXX {$540.00}. After 60 days went by and no bonus was paid, I called them. Spoke to someone in the " Deposits '' department, who looked over my statements with me, noted the payroll deposits in question, and escalated the case for me. I was told I should hear back within 2 weeks, and if not to call them back. I heard nothing, so I called them back, and was told that my deposits didn't qualify for the bonus. I contested it and escalated the case again, and was told again that I should hear back within 2 weeks. Again I heard nothing, so again I called them back, and was again told that I did not qualify for the bonus. This time, I asked to speak to a supervisor, who argued with me that my direct deposits, which were payroll from my employer, WERE NOT PAYROLL but were ACH TRANSFERS! After going around in circles with her, I hung up. As of today, XX/XX/XXXX, I was finally able to zero out and close my account with them. I feel they lured me in with the promise of a bonus that they never planned on paying out, and are a dishonest company. I've been a customer of BofA since XXXX, and it seems any time there is a problem they fail to protect the customer or take their side. Next step is closing my credit card account.
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 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It 's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXAccount number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 credit bureaus, the information is inaccurate. There are 2 different high balances reporting, 2 different open dates, missing closed dates on a collection account, 3 different last payment dates. These are all violations under the FCRA, please delete this account. 

XXXXAccount number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 bureaus, there are 3 different high balance dates, 3 different dates of last activity, 2 different open dates, 2 bureaus are missing a closed date on a collection account. These are all violations under the FCRA, please delete this account. 

XXXX/Account # XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. There are 2 different high balances between the credit bureaus, 3 different dates of last activity, 2 different open dates, missing closed dates, 2 different last payment dates. 

Also, XXXX  sold the debt to XXXX XXXX XXXX who is reporting the same exact inaccurate information. All of this is a violation and needs to be deleted.
Product: Vehicle loan or lease

I purchased a certified pre-owned XXXX XXXX XXXX on XX/XX/XXXX. On XXXX XXXX XXXX I suffered a huge loss when the engine in my XXXX XXXX forte blew. I reached out to XXXX XXXX, scheduled a service to have the engine looked at for possible replacement covered through warranty. After two weeks of waiting, Ive received an update regarding my vehicles condition. XXXX XXXX failed to honor my warranty and issued me a quote with an outstanding balance of {$12000.00} for a brand new engine. I was also told the stock 2.0 Cvt engine was low in stock and would be a 6 month wait period until they would be able to get the engine. 
I then decided to make a hard decision and give the car back ( voluntarily repossession ). 
The car has been repaired and sold by XXXX to a new owner, but the account still remains on my credit report with an outstanding balance of {$15000.00} which is making it very difficult for me to be able to get into a new vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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