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

On XXXX I used the pay anyone feature via Chime online banking thru there app- I normally send money to my wife XXXX XXXX XXXX - when I recv my VA BENEFITS- I attempted to send XXXX @ XXXX which popped up DENIED - upon research we realized that my card wasnt linked with her XXXX XXXX  acc - thus being a requirement needed to be able to make the transaction successful- she fixed it by linking our acc ; then I tried again at XXXX to send XXXX, this time being successful- however I noticed under my transactions it showed the first -denied XXXX was showing as pending- and also my account was missing XXXX from my balance ( XXXX total ) cont XXXX XXXX and made them aware - today now it shows completed and the XXXX that was tied up in there system has been taken completely from me.I again made them aware that now they have stolen XXXX from me- having XXXX possibility of even being any other option ( the orginal XXXX that was denied ; was denied due to XXXX not being linked thus it cant be blamed on anything but there system ) thats all my remaining money for the month and bill money - they said they would look at it and it could take 90 days thats so extremely unacceptable
Product: Credit card

My wife filed two disputes against Home Depot regarding payments that were not credited to my account. My grandson, XXXX XXXX ( who is an authorized user ), made a payment to Home Depot online on XXXX XXXX XXXXXX/XX/year> in the amount of {$120.00} and another payment on XX/XX/XXXX in the amount of {$220.00}. 

The {$120.00} payment was made with his XXXX XXXX credit card and the {$220.00} payment was made with his XXXX credit card. Citibank refuses to credit my account or return the money. 

Home Depot Credit Card XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a wire transfer of {$800.00} in person, at TD Bank Branch # XXXX ( XXXX XXXX XXXX XXXX, XXXX NY XXXX ). This money was being sent to my mother. XXXX XXXX # XXXX. 

On XX/XX/XXXX, the transaction was posted to my account : {$800.00} were deducted from my account. The wire transfer never reached my mothers bank. 

My statement ( attached ) shows the only note on that transaction : XXXX WIRE TRANSFER OUTGOING, SUSPECT/BLOCKED OFAC WIRES Starting XX/XX/XXXX, I kept reaching out to the TD Bank Customer Service XXXX XXXX, also went to the Branch # XXXX in person, and reached out to XXXX XXXX XXXX Vise President, Store Manager, TD Bank ) and XXXX XXXX XXXX Store Supervisor, TD Bank ) with multiple requests to return my money to my account or provide any official information as where the money has gone to. TD Bank keeps refusing to send me any letters to confirm anything in writing. The only response was from XXXX XXXX in his email reply on XX/XX/XXXX you need an XXXX license to release the wire. Ever since, Ive been trying to obtain information required for the application for that XXXX license, but the Bank refuses to provide the required information for teh XXXX application. The Bank gives me a run around - so I dont have information to complete the application for XXXX license.The Bank refuses to assist with the application. XXXX does not reply to my emails. XXXX states he will call back, and does not. Customer Services states it's the Branch that has to file for the XXXX application, not me. 
The only written document I received to date was a printout on XX/XX/XXXX ( attached ) that shows that {$0.00} left TD Bank - this was printed after my multiple requests in person at the Branch. I never received any confirmation if TD Bank started a Wire Transfer Investigation as I had requested. 
Yet, the {$800.00} is gone, as if vaporized. XXXX actually said I am not the only TD Bank customer in this situation.
Product: Money transfer, virtual currency, or money service

We sent a payment via XXXX through Truist on XX/XX/11 in the amount of {$85.00}. It has been debited through our account but the receiver of the payment has not been paid. We have called Truist XXXX times in the last 30 days, but they have been unable to help us.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/2016 a deposit in the amount of {$1500.00} was paid to XXXX in XXXX XXXX to reserve this venue for a wedding to take place on XX/XX/2016. Payment was made using the American Express Card. 
On XX/XX/XXXX the event was cancelled and XXXX agreed to return the full amount. 
On XX/XX/2016 XXXX made the full refund of the {$1500.00}. 
American Express claims to not have received any refund and does not reflect any credit on the account. 
On XX/XX/2016 at XXXX pm Eastern Time I called American Express and talked to a person by the name of XXXX who claimed that his computer terminal did not reflect any refunds. He said he would open an investigation and it would take around XXXX weeks to complete the investigation. He gave it the number XXXX. 
I feel that this is not acceptable in any manner or form. I am certain that after XXXX weeks they will claim that they could not find anything and they need another XXXX weeks. I am being the victim of a fraudulent action by American Express and I request quick government action to resolve this matter in a short time. 
I have the documentary evidence submitted to me by XXXX that clearly shows the refund was made. The document has the deposit receipt from XXXX, the original payment and the refund made. 
Your help in this matter will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

Embrace Home Loans Mortgage Company and XXXX XXXX XXXX XXXX fail to address my request for PMI removal. Attached is my XXXX XXXX, 2016 letter which outlines the correspondence I had as well as documentation that had been provided to Embrace. 
In response to my XXXX XXXX, 2016 letter I received a call from Embrace on XXXX XXXX, 2016 which I returned the following day. During the call I was informed that my PMI removal request was again denied. During that call, I was told I needed to provide information related to significant improvements and that I needed to authorize an appraisal. This request for information is consistent with the mortgage insurance removal request form Embrace provided with their letter dated XXXX XXXX, 2016 in which I provided in my XXXX XXXX, 2016 letter. I informed the Embrace representative that information on the improvements as well as authorization to proceed with an appraisal had previously been provided to Embrace in my XXXX XXXX, 2016 letter. When I pointed out to the representative that I had already provided the requested information and authorized an appraisal the response was that the representative merely received notice that my request had been denied. 
I requested a written response from Embrace during the XXXX XXXX, 2016 call and was told I would receive a written response from Embrace within one week. I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have been mailing letters to the credit reporting agencies to dispute several errors on my credit report. A total of 4 dispute letters have been sent out to Experian, XX/XX/XXXXandXX/XX/XXXX and I never received a response from them.
Product: Money transfer, virtual currency, or money service

On XXXX, Zelle indicates that COMPLAINTANT has to use mobile data plan in order to register for a new account. COMPLAINTANT has attempted without use of Wi-Fi Network but sign-up still failed. On  XXXX XXXX XXXX platform, its Zells functionality for COMPLAINTANT is also failing to send verification emails nor show up on web browsers. No other people or organization are having this problem per Zelle 's claim at this time around XXXX XXXX XXXX XXXX. Zelle states it is upto institutions such as XXXX to maintain its Zelle functionality whereas XXXX states it is upto Zelle to fix any platform issue regarding it. COMPLAINTANT is uncertain whether the fault is to be attributed to Zelle, XXXX or to both. 
To add, on XXXX, COMPLAINTANT tried to setup a new account with " XXXX - XXXX XXXX  XXXX '' via Zelle using different email and phone number. However, around XXXX and XXXX XXXX, Zelle indicated that previous attempt of enrollment shows that use of foreign based email server/address has caused the COMPLAINTANT 's signup with Zelle to fail. COMPLAINTANT 's signup still failed upon reinstall of the Zelle app. Interestingly later on, Zelle indicated that it has no retained data of any sort of this new profile COMPLAINTANT is trying to establish. COMPLAINTANT wonders how Zelle representatives became aware of previous attempts for signup when it has no retained data of any sort regarding this incident. Zelle representative claims that it was up to COMPLAINTANT to clean-up any issues or failures as the app is user-based. However, COMPLAINTANT would like to counter-claim that if the Zelle app from its backend server had no problem to start with, COMPLAINTANT then would not have to call in. ( For what is a relatively easy and simple process for any mobile user ).
Product: Credit card or prepaid card

My Barclays card pmt was due XX/XX/18, but the bill closes on XX/XX/18. 
I paid on XX/XX/18, and was charged late fee and interest. 
I believe it is wrong to make due date earlier that bill close date. 
It is a money making scheme.
Product: Credit reporting or other personal consumer reports

I have disputed all accounts with Experian and they have refused to remove the negative items on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, i used my Citi Credit Card to purchase 4 round trip tickets to XXXX, along with upgrades and inflight meals. 
In XX/XX/XXXX, XXXX XXXX cancelled our flights due to the COVID pandemic. I tried reaching out to XXXX XXXX, but they have a terrible customer service system that I couldnt get any help with a refund. 
According to US Federal Air Regulations, if a flight is canceled by the airlines, they are required by law to refund your money. Not a credit but a refund. 
XXXX XXXX has refused to refund my money, I have filed multiple claims with their terrible chat system where I have never been able to speak to a live human even once. There is an extreme lack if communication, and they never once contacted me. 
So, I turned to Citi Cards for help with my refund. They first filed a dispute and gave me a temporary refund. Then later they decided in favor of XXXX XXXX, saying that XXXX XXXX would give me a credit for travel at a later date. 
My daughter had a flute performance in XXXX in XX/XX/XXXX. We have no desire for credit as we will no longer have the funds ( due to COVID job loss ) or time to travel and use the credit offered by XXXX XXXX. I would like my payment to be refunded in full. I did not cancel the flights, XXXX XXXX cancelled the flights ( both departure and return ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXXXXXX XXXXXXXX XXXX ACCOUNT # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

I have expressed several times to EQUIFAX that In accordance to the fair credit reporting act EQUIFAX has violated my rights under 15 USC 16819 ( a ) ( 4 ) which states that I have a right to privacy. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666 ( a ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 USC 1681 ( a ) ( 2 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer right to privacy. 15 USC 1681b ( 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 instructions of the consumer to whom it relates. 15 USC 1666 ( a ) Time to make payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in questopn XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As the original creditor I am the only one who can validate these accounts. I do not, I am not liable for the charges listed in the my letters. I am requesting you to sent any document associated with the listed items and send it to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding ( XXXX XXXX account : On XX/XX/2022 I disputed this information that appeared on my TransUnion report from XX/XX/2022 : Stating " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account ''. 

TransUnion did not send proof, nor did they change the negative payment status on the account. 

Then again on XX/XX/2022 I disputed the information again that appeared on my TransUnion report from XX/XX/2022 : Stating " I previously disputed this account stating : ( This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ) I do not agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account ''. 

As of today XX/XX/2022, TransUnion still hasn't sent me any proof, changed the negative payment status on the account, nor deleted the negative information in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # s XXXXXXXX & XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX , XXXX , AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX # XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the fair credit reporting act XXXX XXXX  Account # XXXX that is reported twice violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report it is a fact, I the Consumer am aware, that XXXX XXXXt as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). XXXX XXXX is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

A financial institution such as XXXX XXXX in accordance with the definition under 15 U.S. Code 6827 ( 4 ) ( A ) and ( B ), must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement in accordance with 15 U.S. Code 1637a pursuant to 15 U.S. Code 1681 ( 7 ) ( B ) ( ii ). I, XXXX XXXX, did not receive such notice and thus XXXX XXXX is in violation of 1681s-2 ( 7 ) ( A ) ( i ) and the information associated with these accounts must be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX MD XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD XXXX XXXX  ( IDENTITY THEFT & FRAUD ) TRANSUNION XXXX FCRA Letter Date : XX/XX/XXXXXXXX  Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX To Whom It May Concern : THIS IS MY FINAL LETTER CONCERNING THIS ( FRAUD ACCOUNT ), XXXX XXXX  XXXX. This account was already deleted multiple times, and my rights have been violated multiple times. Not only is the account Fraud, I never recieved the five day letter required by the FCRA to give me notice of the reinsertion of this fraud account that I've repeatly deleted and won by law. I am recent victim of identity theft. Please remove this fraudulent item for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXXXXXX XXXX XXXXXXXX, and it need 's to be deleted/removed from my credit report. I'm demanding that this fraudulent account be removed the final time permantly never to return or I will be forced to sue in the court of law. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .It definetely does not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX  ( CREDIT CARD ACCOUNT ) Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXXXXXX  Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian Inaccuracies for education loans Inaccuracies for a false information Reported variable information FALSE FAULTY PRACTICES prohibited from housing, automobile, employment My rights are violated Experian broke the LAWS
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX months in 2018, M & T reported two-year-old ( 2018 ), less than XXXX, non-charge-off delinquencies that have affected my credit rating. According to law, unless these were charge-offs, they should be removed. Even though the payments cited doubled in amounts and the time-frame included the time I requested a forebearance, each monthly payment was paid in two installments within 30 days. This is evidenced by greater amounts paid than requested in some months because of how they reported the payments. 

The payments were recorded incorrectly as delinquent when they were paid within 30 days.