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

On XXXX I initiated a wire transfer through Bank of America to send funds to my parents to assist with an urgent matter. This was done in the bank with the help of what I was told was an experienced agent. 

On XXXX, the funds were taken from my account. 
On XXXX my parents reached out to me while at the receiving bank asking for an update. 
On XXXX again, my parents went back to the bank and called me from the bank asking for an update. The receiving bank 's agent asked me what information I provided when I conducted the wire and once I informed them of this, they said it was correct. 
From XXXX to XXXX, I called and emailed the bank to no avail. The bank rep 's that I dealt with via email were also baffled as to why the transfer was taking this long. 

1. Unreasonable Delay and Lack of Urgency The wire transfer in question was initiated on XXXX, and the amount of $ XXXX was sent with the expectation of timely delivery. However, the transfer was not completed within the agreed-upon time frame. It was only after significant delay of XXXX weeksthat the funds were returned. This delay was unacceptable, especially considering that the nature of wire transfers is to provide quick and secure transfers of funds 2. Poor Communication and Lack of Transparency At no point was I adequately informed about the status of my wire transfer. Despite numerous attempts to contact your customer service department, I was met with vague responses, unhelpful explanations, and, in many cases, no response at all. I understand that mistakes can happen ; however, the lack of clear and timely communication from your institution exacerbated the situation. Every inquiry I made was either ignored or responded to without providing any actionable information. This disregard for keeping me informed only added to the frustration and anxiety surrounding the matter. 

It was clear that my concerns were not treated with the seriousness they warranted. No proactive updates were provided, and I was left to follow up repeatedly without any sign of urgency or resolution on your part. As a customer, I should not have had to chase down this information ; you have a duty to communicate and ensure that the issue was being addressed promptly. 

XXXX. Neglect and Mishandling of the Situation The manner in which my case was handled appears to be a direct result of neglect. Your institution 's failure to promptly process and resolve the wire transfer not only created unnecessary delays but also placed me in a vulnerable financial position. I was forced to make alternative arrangements to cover my expenses, incurring additional costs in the process. 

Furthermore, I would like to highlight that during this period, your bank failed to acknowledge the mishandling of the transfer or offer any reasonable explanation for why such delays occurred. The failure to take accountability for this error reflects poorly on your institution 's commitment to customer service and trust.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a rental decision email from XXXX XXXX, an Apartment rental company in Washington XXXX XXXX. This email stated that their third-party credit screening company, XXXX XXXX, conducted a credit check for my apartment application, which returned an adverse action that neither XXXX XXXX nor Experian can explain why this adverse action was taken. I can not explain why this adverse action was taken either, which is why I am contacting the CFPB to request an investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My XXXX XXXX XXXX XXXX XXXX credit card # : XXXX. The following accounts and credit inquiry are fraudulent, unauthorized and not mine : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Debt collection

I have seen a large increase in collections on my credit from THE CBE group and many of them are for the same amount. When I called the company to ask what all of these are they stated that they are XXXX collections and they were for repeated use of the same thing. I asked them for proof of the debt and they stated they would send that to me and after this same request 5 times I finally got the documentation and on that documentation there were over 2 dozen debts that were past the statute of limitations in my state yet they were still collecting on them. There were also debts for the dates that were 1-3 months apart and for the same amounts but no proof of the fact that I was the person seen on those dates. When I asked for more specific information they stated that is all they had to provide. I stated just because you say this is my debt doesn't mean that it is, I asked for proof that I was the person that owes this money, they just stated it was me. I called the company myself to try to get a hold of someone who could clarify this for me and they stated that they had no records of those dates of service. So I again questioned the CBE group and was told that I needed to pay a total of over XXXX when there is only XXXX showing on my credit report. I believe that this company has continued to renew account to report to the Credit bureaus for the sake of damaging my credit and strong arming me paying money I do not owe. I have never been sent proof that this medical debt was me, no proof of the doctors saw me, or any member of my family. The second part of this is that when I spoke to several agents they mentioned that my credit report would be hurt by me not paying the full amount of XXXX. When I was trying to buy a house I offered to pay the amount that was on my credit to get it removed and was told that I have to pay the XXXX or they would not remove a single account from the credit. I then asked if I can pay the specific accounts that are showing on my credit report even though I don't believe they are mine, they stated that now that they know I am paying the accounts XXXX by XXXX they would still not remove accounts that are paid from my credit until I paid all the debt that they say I had in their office which was the XXXX. The agent stated that he was noting this down so any agent would tell me the same thing. The CBE group is a bunch of unregulated scammers that skirt the lines and try to collect on debts they can't prove. I want all accounts from the CBE group off my credit and I want any collections that they claim to have removed from their office. I have paid thousands of dollars more in interest than I should have and have been denied several attempts to purchase a house, cars and get credit cards to attempt to build my credit up due to this company and their shady collection tactics. Thank you for you time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to XXXX XXXX. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to XXXXXXXX XXXX requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically XXXX. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer credit report.
Product: Debt collection

On XX/XX/2023, I reached out to XXXX to discuss my credit card debt. XXXX reported that the debt was charged off in XXXX to Selip and Stylianou LLP. I did not understand why because I was making a flat payment of {$50.00} to discover that they stopped and did not inform me. 
XXXX quoted me {$2000.00} that I still had to own. However, Selip and Stylianou LLP said I had to pay {$4000.00}.

I disputed but was decline so I disputed again. Selip and Stylianou as not been helpful and down right rude.
Product: Student loan

I submitted a XXXX XXXX XXXX XXXX XX/XX/XXXX. I received notification XX/XX/XXXX my application for all XXXX loans was denied stating Navient considers a variety of factors and that I do not meet requirements for discharge. I submitted quite a bit of evidence along with my application. There should have been reasoning on why my application was denied. My application was for my attendance at the XXXX XXXX of XXXX. A school that was found guilty of misleading prospective students on XXXX, pressuring students into taking out student loans, and well as inflating employment rates upon XXXX. I contacted Navient XX/XX/XXXX on why application was denied and again I received a blanket statement XX/XX/XXXX on why they could not approve my application. Allegedly " they reviewed my request for appeal and I do not meet the requirements for discharge ''. They reviewed my request that quickly? That does not seem accurate since I received the response in the mail. They are sending blanket statements out to borrowers and not reviewing the cases. The CFPB recently reached a settlement with Navient last month and there was a Navient AG Multi State Settlement 2022. New Jersey is one of the states that was listed in the settlement. It is clear Navient is not known for honest business practices. My application for my student loans to be discharged should be approved. This is unacceptable.
Product: Credit card

FIA Card Services ( FIA ), issued me personally a XXXX in XXXX 2013 on a business debt ( an LLC ) of {$8800.00}. The card was obtained for business purposes. The card and all statements showed that it was a business card. FIA never reported the card on my personal credit report. FIA knew that the debt was a business debt and issued me with the XXXX anyway. I called repeatedly, but FIA would not correct the XXXX. I could not afford a tax professional, so I reported it and paid for it on my 2013 federal and state tax returns.
Product: Mortgage

I recently loss my wife in XX/XX/XXXX, and tried to refinance my home to get a better interest rate. I was later told that I had a lien on my home from Wells Fargo Financial in XX/XX/XXXX for XXXX recorded XX/XX/XXXX Book XXXX page XXXX. In XX/XX/XXXX we refinanced the loan with XXXX with no problems. My lawyer and myself have reached out to Wells Fargo ( phone calls and fax ) several times in regards to getting the lien released on my home. After a month of trying and getting no response I need another way of getting the lien released. The process of getting my home refinanced has come to an halt. Because I have not gotten a response on my lien being released and I can not personally talk to someone at Wells Fargo that can give me answers. I have faxed XXXX letters to Wells Fargo requesting the lien release.
Product: Credit card

Back in XXXX, I hired a contractor company to install a kitchen island with cabinets. I hired them because they did the kitchen in the house I bought end of last year. Once the contractor came I explained I wanted additional kitchen islands with cabinets. They spoke poor English, but still, at the end of the conversation, I had the impression that I would get an installed kitchen island with cabinets for a little over {$2000.00}. I paid the first {$1000.00} before they started work. So they could order the material needed. Contactors were super unprofessional, they were 3 times late and a couple of times they never even showed up when they promised to. As the work began, I saw they had already made a mistake regarding the height of the island. When I pointed that out they thrived to fix it and created not smooth-looking island with added height which you could see as obvious. There are a couple of chips on the quartz. Once they installed the quartz counter top they asked for the rest of the money. And said once the cabinets will be installed as we agreed in the beginning. But contractors were playing saying there were no cabinets ever, that I didn't say such a thing. The money I paid for is only for the countertop part, and I wanted cabinets that would be another {$1000.00} or more and they will see if they have time to do that even. 
I was really upset, and didn't know what to do or how to solve is matter. Because there was no contract whatsoever, everything was only verbally agreed on. So now I am trying to dispute with my Apple card ( Goldman Sachs ) the {$1000.00} payment. Since the contractors didn't finish the job and poorly installed the quartz countertop. But apple card is not approving my dispute. I disputed 3 times with them already. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX, during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a XXXX XXXX XXXX XXXX XXXX ) issued by a recognized XXXX certifying my status as a XXXX XXXX, as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.
Product: Vehicle loan or lease

In XXXX I purchased a vehicle from XXXX XXXX in XXXX Michigan. They purchased my lease. On XX/XX/XXXX the dealership paid XXXX XXXX to ally financial to buy out my lease. Ally sent them the title. They sold the truck. Ally is still charging the monthly lease payment. Listing the amount as past due. I have made several phone calls. They tell me the truck is still owned by myself ( and them, due to the lease ) they then try to tell me that XXXX XXXX has my account. I have tried contacting them on several occasions. Never getting off of hold. I was scheduled 2 separate call backs. Neither happened. 

I spoke with the dealership. They were asked to provide the odometer statement. Which they did and in return Were given the title. The dealership has tried to help me. Only to spend hours on hold never being able to get the right department on the phone. 

So as of XXXX, my truck was sold to the dealership by ally financial. Ally financial continues to keep my account open. Ally financial continues to charge me monthly for the vehicle. Just over XXXX dollars listed as past due so far. 

Through hours of phone calls I can talk to no one that has any knowledge, or ability to help me with the account. Other than telling me I need to talk to dealer services. Which does not seem to exist. 

The truck is in mine and my wifes name
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Synchrony Closed my credit card just recently without any advanced notice. Fees were issues on my account when their system was broken and on multiple occasions I was not able to login to my account. I had to change my username and Password more than 20 times and not able to connect my bank account to their credit card. I was charged total fees of XXXX as a result of their faulty technology.
Product: Mortgage

Our mortgage with CrossCountry Mortgage ( loan # XXXX ) was refinanced with another lender in XX/XX/XXXX, and the CrossCountry loan was paid in full by our new lender. We received a letter confirming full payment and discharge of the loan. We also received a Full Satisfaction Notice in XX/XX/XXXX, and the cancelled Note & Mortgage in XX/XX/XXXX. 
In XX/XX/XXXX I received a phone call from a CrossCountry representative who advised me that an accounting error in XX/XX/XXXX ( one year previous ) had reduced my mortgage balance by over {$21000.00}, and when could I send them this amount? I found this to be implausible, so I requested a written explanation. No explanation was ever provided, but my wife, daughter and I began receiving mortgage statements and collection letters that month. Between XXXX and XXXX last year, I contacted the company multiple times to no avail or response, as their by-mail collection efforts increased in frequency and intensity. In XXXX they declared a Breach and in XXXX began Foreclosure proceedings. At that point I engaged a law firm who finally stopped the insanity at a cost to me of {$6700.00}. As seniors, my wife and I feel victimized by this lender 's deception and abuse, in clear violation of UDAAP regulations.
Product: Debt collection

hello I called khols and they had me pay a debt that wasnt mines i paid the bill its still reporting on my credit i called XXXX XXXX XXXX they said no record and they would call me back but never I asked why is this reporting on my credit report. I need these removed from my credit. Its illegal to be reporting incorrect information. They said they couldnt give me proof and was very rude
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

I gave no permission for any of this information to be on my consumer report. The information on my consumer report is thus in violation of aforementioned laws and must be removed.
Product: Credit card or prepaid card

I was charged two {$29.00} fees on my Target XXXX for " returned payment '' fees as the autopays had been declined by my bank - one in XXXX and one in XXXX. I have since paid the payments and I called to have the fees returned, as every other creditor is doing in the face of financial hardships due to COVID-19, for moral reasons but also due to guidance from their states and the government. I was told by XXXX ( ID XXXX ) in the Payments Department that Target would not be refunding any fees nor helping in any way regardless of any laws or guidance. He actually said he wouldn't " talk politics '' with me.
Product: Credit reporting or other personal consumer reports

I have at least XXXX unauthorised fraudulant inqiuries on XXXX, XXXX, Experian that I nor signed or given permission to run my credit.XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to do a Temporary Lift of my Security Freeze with Equifax and was not able to complete it online or via phone, I kept getting a message saying 'Invalid PIN ' I know my PIN, I have my original letter from Equifax dated XX/XX/XXXX that clearly shows my PIN. 

Because of the 'Invalid PIN ' message that I kept getting, I had to call Equifax and find out why my PIN was not working. The Equifax rep that I spoke with said at first that I had my PIN lifted since XX/XX/XXXX. I said that was wrong, his information was wrong, I never did that. Then he said that my PIN had been changed when my address was changed in XX/XX/XXXX because I lost my PIN. I said that was wrong, his information is wrong again, I never lost my PIN, I have a copy of my original Security Freeze letter dated XX/XX/XXXX that clearly shows my PIN. He said again that my PIN was changed when my address was changed. I wanted to know why my PIN was changed without my knowledge, without my permission, without my consent, and why was I never notified of the change to my PIN and why was I not informed in writing of my new PIN. He said that a letter was sent to me in XX/XX/XXXX, I said that it was not, he was wrong again, I never received any communications regarding a change to my PIN. I had to ask him what my PIN is now so that I have it. I then requested a written communication be sent to me about the changes to my PIN, and a new letter be sent to me that clearly shows my new PIN. He said that he would send me a new PIN confirmation letter, and that I would receive in 7 -10 business days. It is almost 3 weeks later and I have not received a letter that clearly lists my new PIN from Equifax, or any communications regarding the changes to my PIN.