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

Re. Bank of America I am a B of A client for over 25 yrs. 
I will bullet point the issue so that it wont be a long email : - I needed to wire {$60000.00} for a deposit on a home. 
- The wire of {$60000.00} was to go to a bank in NY XXXX XXXX XXXX XXXX XXXX XXXX. 
- I called B of A and set up the account WITH a rep from the wire dept because when adding a recipient there are not enough fields to enter additional info such as final beneficiary etc. 
- The rep suggested I did the 3 day process instead of same day. At this point I had time so I agreed. 
- It turns out that 3 days = ACH NOT wire - XXXX XXXX XXXX was not set up for ACH only wire so they did not accept it but it has not been returned. 
- I called XXXX XXXX XXXX XXXX and they were helpful, I have an actual reps first and last name, XXXX XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX He said he needed B of A to send a Letter of indemnity or to call him and give him the additional info. 
- I asked B of A to fax this person and they said they could not. 
- I called B of A yesterday starting at XXXX and was disconnected, hung up on, one operator said let me transfer you to the wire dept and I had called directly to the wire dept. 
I was told they can not fax, they can not email, they can not call. 
- I asked if I could call XXXX XXXX XXXX on the other line and patch them in and they said no and hung up. 
- I put in a complaint to recall my {$60000.00} and B of A said it could take up to 90 days! 
WE COULD LOSE THE HOUSE! ITHIS DEPOSIT IS DUE NEXT MONDAY. 
One manager said, we send the request to XXXX XXXX XXXX but some banks dont even check their emails so it could be longer! 
- I have been calling every day since XX/XX/21 I am out {$60000.00}!!!! They said it can take more than 90 days to resolve. 

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

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX 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 hand written instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

On XX/XX/year> ( around this date, but definitely in late XXXX ), Chase Bank informed me that they were going to close my account without providing a reason. They stated that the decision was final and my remaining balance would be sent to me by check. 

However, when I received the check, I realized the amount was incorrect. One of the wire transfers sent to me from XXXX was not included. When I called Chase to inquire, they said the sender needed to verify that she had willingly sent the money. The first person from the Chase fraud team told me that the sender needed to call Chase with a U.S. number to confirm the transfer. Since she was in XXXX, this was not possible. 

She finally came to the U.S. in the fall of XXXX  and called Chase, but they said it had to be from a verified phone number under her name. For some reason, Chase was unable to verify it. During this time, I worked with four different bankers from various branches. They escalated the case to the management and fraud teams, but no one could help. Each time the bankers called, they were provided with different answers from the call center, such as suggesting the sender recall the transfer so the money would return to her XXXX  XXXX XXXX account ( which we tried, but Chase wouldnt send the money back ), or that XXXX  XXXX XXXX needed to call and verify the transfer ( which is a service overseas banks do not provide ). 

The sender had to return to XXXX for a while but came back this year and got another U.S. phone number using her passport. When I went to Chase, the banker helped me call the fraud team and provided them with the new phone number. Yet, the fraud team still couldnt verify her identity. My banker was frustrated and speechless at this point. The banker then suggested that the sender become a Chase customer to verify her identity through their system. Despite following this suggestion, the fraud team still couldnt verify her identity. 

It has been a year, and both the sender and I just want to retrieve my money. The wire transfer was made on XX/XX/year> for the amount of {$4000.00}. 
The wire was made on XX/XX/year> in the amount of {$4000.00}
Product: Vehicle loan or lease

I have made a lease with kia for about 3 years for the Kia XXXX i have taken out.The lease was for 5 years to pay off the car.If for any reason you dont want the car or can not pay it.They give you up to three years so you can take the car back.I was told personally by the person in charge that day, that once i give up the car once the three years comes up i dont have anything else to do with the car, just give it up at the kia dealer, give up the keys, sign the paper and that was it.I made sure i didnt have to pay anything after that and they also checked the car to see for any wear and tear. I was told everything was good to not worry about anything i was good to go.Months pass by and i recieve a letter from Kia Finance stating i owe almost {$3000.00} with a list of things they charging me. I called Mia Dealer and spoke to someone and i was told that they dont have anything to do with it and that they dont know who told me that.They should of told me everything i needed to know before i left, remind you thats not what i was told before i left the car, I was told differently. 
I called Kia Finance which that is where the letter came from and spoke to someone.I was told by them that i have to pay the amount that there is nothing else they can that is what i was billed and thats what i have to pay.I asked if they have payment plans just for incase i have to pay it which i believe in my power i shouldnt be charged especially for false information and the lady told me they dont do that. 
I would like help to investigate why they are charging me and why do i need to pay that money when the information i was told was different.
Product: Debt collection

It appears XXXX put my account in collections. They used Southwest Credit Systems to make a collection. I never knew about or received any notification about the {$130.00} owed. I would have paid it once i knew about hte payment. I did pay it this month when i first found out about this payment directly to Southwest Credit Systems. However, this has negatively affected my credit report and i am looking to purchase a home in the next couple of months. I would like to request that XXXX and or Southwest Credit Systems to take this off my credit report for all 3 major credit reporting companies.
Product: Debt collection

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 I.C. SYSTEM, INC ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX has violated my rights. ALSO FALSLEY REPORTING A DEBT THATS NOT MINE.
Product: Credit card or prepaid card

I was called by XXXX XXXX letting me know on XX/XX/XXXX some one did a credit increase online for my XXXX XXXX account to XXXX. Then on XX/XX/XXXX a purchase of {$12000.00} was made at XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX NY XXXX phone # XXXX XXXX XXXX. 5 pieces of jewelry. A fraud case was open case # XXXX. I.have spoken to various people over the course of XXXX to XX/XX/XXXX. I was told the case was closed on XXXX and I was not found responsible. Letters would be sent to all 3 credit bureaus. Well on XX/XX/XXXX I reviewed my credit and this fraudulent activity has caused my score to drop from XXXX to XXXX. I was told this would take 30 days to be corrected. My credit is important and it seems no one wants to rush to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX XXXX XXXX as well as transunion and XXXX  various times in the past 8 months to investigate, verify, and validate this debt ... and they have never sent me a response or even marked this as in dispute they are in clear violation ... covid or not its been multiple attempts and they have not conducted and investigation that they are supposed to do by law ... ..there is so much incorrect reporting on this account that i do not know where to start..first off they are reporting this as an open charged off account it can not be both that is a violation ... 2nd they are reporting a charge off with a balance of {$2700.00} it can not be both ... they are reporting a charge off with a past due ... it cant be both the comments are different in both, the 2 year reporting history is different in both, date of last payment and last active is different in both which makes me think that thhey are changing these dates ... .the 2 year reporting history is different on both and to top it off i never had a cell phone with XXXX XXXX XXXX in my life i have no idea why this is on my report ... my next step is contacting an attorney to fix this and sue them for messing my credit up
Product: Credit reporting or other personal consumer reports

Formal Request for Removal of Inaccurate Late Payments on My Consumer Report : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate.

I am writing to formally request the removal of inaccurate late payments from my consumer report under the authority provided by federal law, specifically 15 U.S.C. 1681a ( 2 ) ( i ) and 15 U.S.C. 6802. After reviewing my credit report, I have identified certain late payment entries that do not accurately reflect my payment history and believe they should be corrected.

Under 15 U.S.C. 1681a ( 2 ) ( i ), which defines consumer report and governs the use of my personal information, I request that the inaccurate entries in question be re-investigated and promptly corrected or removed. Additionally, under 15 U.S.C. 6802, which governs how my financial information is shared and handled by institutions, I expect that my personal data, including the incorrect information being reported, is handled with the utmost care and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following entries are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies are a violation of my rights under the FCRA, which ensures that consumer reports must be accurate, complete , and verifiable. 

As previously filed i am requesting the removal of the accounts.
Product: Checking or savings account

I am a 100 % XXXX Veteran, XXXX XXXX XXXX, and my survival depends on me receiving my VA and Social Security each month. I HAD TO " BORROW '' FROM MY XXXX SONS TO SURVIVE IN XXXX! I am a widower and this is the only source of income. 
In late XXXX i answered an email ad that told me I was " Approved '' for an {$8000.00} loan, and they used a name of a company that I had dealt with many years ago -- The XXXX XXXX. After filling out the application, all XXXX broke loose, as there were fictitious deposits made ( no withdrawals ) and Wells Fargo told me that I was no longer going to be their client, and my XXXX account would be permanently closed as of XX/XX/XXXX. They also closed my checking account, During the month of XXXX I had deposits made by both the VA AND SOCIAL SECURITY but was NOT ALLOWED to withdraw or in any other way get over {$6000.00} that was deposited. Their security REFUSED TO DISCUSS the situation, and XXXX smart XXXX told me that he hoped that XXXX had learned my lesson ''! I would LOVE to teach HIM a lesson! I tried many times during last month to talk with them, and even went to my local branch, but they were not able to discuss with me. They told me that I had " exposed '' their bank to fraud -- and the reason is that when I completed the application I placed my Account Number and Routing number in order for them to fund my loan. 
I attempted to call many outside agencies with no success. In fact-one of the contacted agencies suggested that I report this to CFPB, since you folks " know what you're doing ''.. I sure hope so. I also have stage XXXX XXXX, and would sure like to have this resolved before I check out. ANY help or XXXX will be greatly appreciated.
Product: Mortgage

It has now been 60 days since XXXX has taken over the servicing of my loan ( my previous servicer, XXXX XXXX XXXX, has already verified to me that everything was transferred to XXXX on XX/XX/2018 ). I am in the process of trying to refinance my mortgage, but my account is locked due to 'auditing ', so I can't provide any information to my potential new lender. I have repeatedly called XXXX and documented those calls, but each time it's the same story ; no information. Nobody can tell me how much longer this will take, nobody can provide me with any information about my account details, etc. I'm seriously to the point I'm about ready to begin contacting attorneys in my area to see what type of recourse is available to me. For the moment, I will simply submit another complaint ( XXXX has never responded to my previous CFPB complaints ), so I have a paper trail showing my multiple attempts to resolve this issue. I attached a jpeg showing what I see every  time I log into the XXXX  system. Nothing.
Product: Debt collection

The General Revenue Corporation are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 reporting 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. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices which violates 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 was unfair and deceptive as they did not 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: Credit reporting or other personal consumer reports

Chase bank close my account and reported my credit and I cant reopen any account with any bank, reason because scammers tried to scam my account which I wasnt aware they where scammers.
Product: Credit reporting or other personal consumer reports

Attention General Counsel : ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Enclosed Consumer Demand For Arbitration Form With XXXX concerning issue regarding the handling of fraudulent XXXX XXXX XXXX : XXXX and inaccurate information on consumer credit report by Experian. On XX/XX/year>, at XXXX XXXX  ET, Experian initially removed the disputed account, which I had identified as fraudulent, from my credit report. However, on XX/XX/year>, after a Fraud Alert had already been placed on my file, Experian inexplicably reinstated the fraudulent account. This action is in direct contravention of established credit reporting practices, specifically the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain the utmost accuracy and integrity in the information they report. Experians actions, as detailed above, appear to violate these statutory requirements. In contrast, both XXXX and XXXX have rightfully removed the fraudulent account from my credit file in accordance with their responsibilities under the FCRA, and have properly recognized the account as fraudulent.
Product: Checking or savings account

My account has been charged fees out of retaliation for my complaints with the consumer Federal protection bureau. I was told by XXXX XXXX XXXX vice president branch manager and XXXX number XXXX that if I make any other complaints about fees all of my accounts will be closed. Today I realized there was additional fees taking out of my account that I was not entitled to pay. I went in the branch asking to go over the fees one by one. The branch refused instead referred me to speak to XXXX XXXX district manager over the XXXX branch location that I visited. And which she was rude to me as always and advised me that my account all three of them will be closed at the bank 's discretion. And that they would not go over any fees with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 {$2.00} charge ( I DID NOT MAKE ) on inactive Discover card. 
Did not receive a bill. Did not receive an email or alert. Did not receive anything from Discover. Paid 2 months late- did not initially dispute since it was a small amount.

Credit score is now down over 100 points for missed payments on a Fraudulent {$2.00} charge. The only missed payments in my entire credit history. 
I contacted Discover. I received a written correspondence that there was nothing they would do. I contacted XXXX and XXXX refunded the fraudulent charge. I contacted Discover again to see if there was any way they could update my credit report. They said NO. I believe that my credit score should not be impacted by this fraudulent charge. The Discover agent told me to contact you. 

I do not believe that this incident at all reflects my true credit history.
Product: Credit card

I notice after applying for auto loan I had XXXX accounts open on my credit file I didnt authorize or give permission I sent the companies a copy of police report as well as FTC report however, the accounts was once removed from my credit file but placed back.
Product: Credit card or prepaid card

I opened up a card with AMEX Delta SkyMiles on XX/XX/XXXX. The promotion was for a {$400.00} credit plus XXXX SkyMiles if I made {$2000.00} in purchases within the first 3 months ( offer ID POID XXXX ). I opened the card through Delta 's website as I was purchasing tickets for an upcoming trip. After completing the application process and getting the account approved, I purchased the tickets which exceeded the {$2000.00} limit. However, after the purchase, I learned that someone switched the offer to provide XXXX XXXX and no credit. I immediately called on XX/XX/XXXX to asked why there was a " bait and switch '' with the promotional offer. They said they would take my complaint and get me an answer. No reasonable answer has been forthcoming. 

I have since been using the card and not a single XXXX has been credited to my account, not even for purchases. I have made over XXXX calls to customer service with each call resulting in a different excuse. The last excuse was that everything would be resolved by XX/XX/XXXX, which is the end of the billing cycle ( which would be XXXX billing cycle since I was approved for the card ). On XX/XX/XXXX, I called again and received a new excuse. Now, the excuse is that it takes XXXX - XXXX weeks to resolve the complaint I made on XX/XX/XXXX. I'm sure if I wait another XXXX weeks I will receive another new excuse- which will be that it takes XXXX - XXXX weeks to resolve a complaint. This is classic " bait and switch. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts in Pursuant to FCRA 611 ( a ) ( 5 ) ( b ), and the fact these accounts are not mines, and unknown and unauthorized by me, and I'm requesting that the 3 major credit bureaus block these accounts. XX/XX/2019, the 3 major reporting credit bureaus response was " accounts verified ", verified by whom, what time, what date, and what physical documentation. And electronic Verification can not be accepted as proof so with that said either your company block these accounts or send me signed, sealed physical documentation of the accounts you and your companies are reporting. Please remove the following unauthorized accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX   {$7300.00} 4 ) XXXX XXXX XXXX {$5400.00} 5 ) XXXX XXXX XXXX {$3900.00} 6 ) XXXX XXXX XXXX {$3000.00}