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

On XX/XX/21 I sent money to my brother using WESTERN UNION to XXXX, I specifically requested for my brother to receive U.S. dollars. WESTERN UNION charged me {$18.00} for fees for my brother to be able to receive U.S. dollars. When my brother went to received the remittance 3 of the WESTERN UNION places that he went to they told him that they do not have U.S. dollars to give him instead they told him he either get it XXXX Peso or go to other branches. My brother can not wait my sister-in-law is ill and she needs to see a doctor, so end up receiving Peso instead of a dollars. I called WESTERN UNION and ask to get a refund for charging me {$18.00} instead of {$8.00} for receiving peso. The 2 Customer Representative gave me a case number and told me to wait 90 days for investigation! 90 days for investigation can you believe that? I also want to know why my brother received {$99000.00} instead of {$1000.00}? WU told me that is for XXXX taxes, but they also charged my brother another {$3.00}. I already paid the fees here so it not burden to my brother since they are experiencing very strictly lockdown and no job and they are very poor. How many times WU will milk money to their consumer? That is why I am filing a complaint against WESTERN UNION. The company is deceiving their consumers. This is not about the money, its the principle. They charged me {$18.00} so he can received U. S. dollars but he did not so the difference was if I ask them to received XXXX Peso they will charged me {$8.00} so WESTERN UNION should refund me {$10.00} because they did not provide my request.
Product: Debt collection

This company continues to send collection notices to us for a credit card debt that is at least XXXX. We have advised them several times to stop all collections attempts yet they continue to call and send demands for payment in the mail.
Product: Debt collection

XXXX XXXX XXXX Lawn XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> Subject : Request for Copy of Form 1099-C Dear LVNV Funding LLC I hope this message finds you well. I am writing to request a copy of the IRS Form 1099-C for the cancellation of debt related to the charge-off/collection account under my name, reported to the credit bureaus. 

I have noticed this account reflected on my credit report, and I would like to have all necessary documentation, including the Form 1099-C, which should reflect the cancellation of the debt. If this form has already been issued, kindly forward a copy to me at your earliest convenience. If it has not yet been filed, please provide a timeline for when I can expect to receive it. 

Here are my details for reference : Full Name : XXXX XXXX Account Number : XXXX Social Security XXXX Date of Charge-Off/Collection : XX/XX/year> I would appreciate your prompt attention to this matter and look forward to receiving the requested document as soon as possible. Please feel free to contact me if further information is required to process my request. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

They are incorrectly reporting the dates for an item they placed on my credit report and will not remove a paid collection from my credit report after telling me if I paid it they would remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly disappointed with XXXX. They are the only company out of the 3 bureaus that refuse to remove these 2 fraud accounts from my profile. both XXXX and XXXX were able to confirm that those accounts were indeed fraud. I sent out The beginning of XXXX and XXXX refuses to remove these accounts. PER 15 USC 1681 B AS A CONSUMER I KNOW MY RIGHTS YOU ALL CAN NOT FURNISH ANYTHING THAT I SAY IS FRAUD ON MY ACCOUNT. YOU ALL CAN NOT FURNISH ANYTHING ON MY ACCOUNT THAT I SAY DOES NOT BELONG TO ME. At this point XXXX is breaking the law and I may have to take legal action if this matter isnt corrected asap. I will give this company one more chance to properly investigate because this company never sent me the steps they took to verify the account nor did they tell me if they found my actual wet signature attached to these accounts, WHICH IS ILLEGAL DUE TO THE CONSUMER LAWS. THE ACCOUNTS THAT HAVE TO BE REMOVED ARE CAPITAL ONE AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017. Equifax lost 143 million SS # 's, dates of birth and names, mine included. Force Equifax to pay for credit freezes/unfreezes at all credit reporting agencies for the next 50 years.
Product: Credit card or prepaid card

When I got my American Express plaitnum card XX/XX/XXXX and the XXXX XXXX XXXX  card on XX/XX/XXXX, they both comes with the benefit of Priority Pass Select which gives me access to lounges and non-lounges that cooperates with Priority Pass. However, I received emails on XX/XX/XXXX that " From XX/XX/XXXX access to non-lounge airport experiences will be removed from your membership program ''. This is a negative change of my membership benefit during my current paid membershio year and American Express refuses to give any compensation or alternative solutions for that.
Product: Debt collection

I have made multiple attempts to resolve this issue with Jefferson capital, i have provided proof of legal documents stating i have been a victim of indentity theft.
Product: Money transfers

I transferred {$1000.00} ( XXXX XXXX US Dollars ) to XXXX after paying {$16.00} ( XXXX a fee of {$16.00} ( XXXX dollars ) through the Western Union payable to my younger brother on XXXX XXXX, 2016. As of today, XXXX/XXXX/16 the money was never paid out to my brother. The Money transfer control number is XXXX Western Union refused to refund my money to me as well. Please help out. Thanks.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$11000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX file reference # XX/XX/XXXX Case number XXXX, file reference # XXXX XX/XX/XXXX Two of the dates Ive saved of me calling TransUnion to receive my credit report and never receiving it after triple checking the address. 
They have blocked me online from receiving my credit report and I must call to recieve one. It is immoral and illegal to stop me from receiving my credit report
Product: Credit reporting or other personal consumer reports

My XXXX ( in XXXX ) & XXXX ( in XXXX ) Credit cards were reported at over limit Both credit card companies corrected those errors on my online accounts and with the credit bureaus. 
( Thank you very much XXXX XXXX XXXX! ) The remaining issue I have is it appears, the negative overlimit mark hasnt been retracted on my credit reports. 

Thats all I need. 
Please retract the negative overlimit marks with the credit bureaus re my XXXX card ( XXXX ) XXXX ( XXXX ) Your speedy remedy would be greatly appreciated!! 

It came to my attention that those marks may still be reporting to the credit bureaus when I applied for a credit limit increase was turned down bc of the over limits re my XXXX and XXXX cards according to the letter I received. 

Thank you so much for your timely assistance with this matter!! 

Please all 3 Credit Bureaus so any Overlimit Remarks are retracted from my XXXX, Equifax, XXXX reports Re XXXX card ( XXXX ) XXXX ( XXXX ) THANK YOU!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accountsthat does not belong to me and i want it to beremove asap. 

1. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts & Inquires reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$640.00} XXXX & XXXX Original creditor XXXX  Balance {$1000.00} ance : {$11000.00} XXXX XXXX Balance {$11000.00} XXXX inquiries XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX & Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX CXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I come before your estemed agency to address a matter of profound significance, one that strikes at the very heart of legal rectitude and constitutional principles. It has come to my attention that within the annals of your records, an unauthorized bankruptcy filing has been incorrectly appended to my name and personal identifiers. This egregious misrepresentation not only defies the precepts of legality but also constitutes a blatant infringement upon my sacrosanct rights. 

Of paramount concern is the revelation that the social security number purportedly linked to this bankruptcy filing does not align with my own. Moreover, it is imperative to underscore that the bankruptcy in question bears no nexus to my financial affairs or obligations. This wrongful association not only impugns my standing but also engenders considerable detriment to my financial reputation and prospects. 

In light of the judicial principles elucidated within the venerable precedent of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, concerning estoppel by silence, it becomes incumbent upon prudent legal practitioners to meticulously evaluate the evidentiary foundations before drawing any conclusions regarding the existence or validity of the alleged debt. The absence of substantiating proof may rightly lead one to presume the non-existence of the purported debt. However, it behooves us to conduct a thorough and judicious examination of the pertinent legal context and evidentiary framework before arriving at any determinative judgments. 

I beseech your agency, therefore, to undertake immediate and comprehensive measures to rectify this grievous error, expunging the unauthorized bankruptcy from my record forthwith. Failure to do so will regrettably compel me to explore all available legal recourses to seek redress for the irreparable harm inflicted upon my reputation and financial standing. 

May the principles of justice and equity guide our deliberations as we endeavor to navigate this matter with due diligence and rectitude.
Product: Checking or savings account

I have had ongoing issues with Synchrony Bank 's IRA fund division. Paperwork is routinely lost and Synchrony is unable to locate it two weeks later. I have on repeated occasions filed by fax the required paperwork to transfer IRA funds from my XXXX mutual fund account to my Synchrony money market account. The paperwork has been lost by Synchrony despite Fax confirmation of receipt. I have had to continually call to track where my funds and transfer request are. I have dealt with a senior IRA representative at Synchrony, XXXX XXXX, who repeatedly apologizes through the problems remain ongoing and unresolved, requiring me to check my account on a daily basis to ascertain the whereabouts of my missing funds. <P/>On this latest occasion, I had to twice file faxed paperwork to transfer {$10000.00} from my XXXX account -- {$7000.00} from one mutual fund and {$3000.00} from another fund -- done in a single transaction. Those funds were dispersed by XXXX on XXXX XXXX,2017 and {$7000.00} was deposited into Synchrony Money Market on XX/XX/XXXX. It is now XX/XX/XXXX and the {$3000.00} transferred amount was never deposited to my Synchrony account and there are no transactions pending on the Synchrony webpage of my account. <P/>I have just spoken to a Synchrony representative on XX/XX/XXXX at XXXX XXXX and they have no idea where the money is. I am particularly XXXX as I am investment and computer literate and yet continually encountered problems requiring careful and ongoing monitoring on my part. Other depositers may have disappearing funds they are not even aware of. <P/>Please look into the operations at Synchrony because I think there may be a fraud issue involved. Thank you for your diligence and for your oversight. <P/>Best regards,
Product: Debt collection

Filed previous complaint ( # XXXX ) on this entity and asked that they provide information on that debt, creditor and verify it. They indicated that the item would be removed while they investigated it. It never was removed, they submitted a spreadsheet as verification of the debt and no contract or other recognizable documents to verify its authenticity. They continue to report the item as valid, and have altered their name to report it yet again, as XXXX separate listings. Looking at the information they provided shows that the item originated in XX/XX/XXXX, not in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX as they have reported. This information is being falsely represented as current and accurate but given that it originated in XX/XX/XXXX it is well beyond its reporting period and should not be showing up as a current item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was scammed out of {$440.00} During the process I been trying to get funds back from the beginning but was told I had to wait until the process was over. I was also told if I wasnt satisfied I would get my money back XXXX percent so during the process the company took XXXX item off which managed to return causing my credit score to drop XXXX points!!! When I informed them they treated me poorly never apologized! I also deleted items off of my credit and I was informed for me to show them proof so they can refund me and when I showed them they ignored me!
Product: Checking or savings account

I purchased an air conditioning unit from XXXX XXXX, which was advertised as brand new. Upon receipt, the unit was found to be defective, with missing components and a significant leak that nearly caused a fire hazard. Given the condition of the product, it failed to meet the advertised specifications and expectations of a new, functioning unit. 

After discovering the defects, I attempted to return the product and obtain a refund from XXXX XXXX. My requests were consistently ignored, and XXXX XXXX refused to accept the return or issue a refund. 

In response, I filed a dispute with Navy Federal Credit Union in early XXXX, expecting them to assist in resolving this issue. Despite providing substantial evidence of the product 's defects and the merchant 's refusal to process a refund, Navy Federal sided with the merchant. 

The dispute was not about the amount charged but about receiving a defective and potentially hazardous product, which was not as advertised. Despite acknowledging the unsatisfactory quality of the product, Navy Federal cited the reason for denial as : " The amount debited by the merchant was agreed upon when services were received. While we understand that the quality of services rendered was unsatisfactory, services were performed and paid for, and there is no record of service cancellation ; therefore, we have no recourse within the dispute process to pursue this matter further. '' This response does not address the core issue of receiving a defective product. Additionally, their suggestion to resolve the matter directly with the merchant is unfeasible, as my attempts to do so were already met with refusal. 


After requesting an additional review, Navy Federal responded with : " the merchant 's bank has successfully remedied the dispute. While we understand you are not satisfied with the outcome of your claim with XXXX, we are unable to continue to pursue the merchant on your behalf via the dispute process. We can only suggest that you continue to seek resolution directly with the merchant. '' This response disregards the fact that the merchant has already denied a refund, and the bank has withdrawn nearly {$400.00} from my account on XXXX XXXX, leaving me without the funds and with a defective product.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an incorrect entry related to a bankruptcy that I did not file, or which should not appear on my report. To verify this, I contacted the court where the bankruptcy was supposedly filed and asked if they report such information to the credit bureaus. In response, the court provided me with a written statement confirming that they do not report bankruptcy information to credit reporting agencies. 

Despite this confirmation, the bankruptcy is still listed on my credit report, which has negatively impacted my credit score and overall financial situation. I have contacted the credit bureaus to dispute this entry, but the bankruptcy remains, even though it was inaccurately reported.
Product: Credit reporting or other personal consumer reports

I tried logging in to my Transunion account and was not able to. I tried contacting them and was not able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes and a CFPB compliant the issue remains. Equifax is reporting a debt I DO NOT OWE. I do not know this medical place. I requested information to be sent to me showing what this debt is and how it relates to me. I haven't received ANYTHING.They reply verified my rights are being violated. FRCA 611 ( a ) ( 7 ) states I can receive this information. I do NOT owe agency XXXX! This should be removed immediately! I received an alert from credit monitoring a new collection was reported. It's the same account it was showing agent XXXX assigned XX/XX/XXXX. Equifax illegally changed it to XX/XX/XXXX to re-age the debt I do not owe. I will attach the dates to this complaint.
Product: Mortgage

On XX/XX/XXXX the payment for my mortgage in the amount of XXXX posted on my XXXX XXXX statement for my XXXX payment. 
I recently pulled my credit to close on a 2nd home and a mortgage late was found for the month of XXXX. The mortgage late indicates 30+ days late and that was not the case. When I called Pennymac the representative said they received the payment XX/XX/XXXX for XXXX but that their systems were automatic and there was nothing she can do for me.
Product: Credit reporting or other personal consumer reports

My information was compromised during the Equifax Data Breach. I attempted to have falsely reported information removed on XX/XX/2024 by contacting the company directly. XXXX XXXX has yet to remove the data being reported to multiple CRA 's in the amount of {$25000.00}. I am a victim of identity theft and have yet to receive a written validation notice by any of the aforementioned companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request that the Credit Bureaus remove the disputed Accounts and information that resulted due to identity theft. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Also, the Credit Bureaus have claimed that the disputed items are verified and are reporting accurate information on my Credit file. However, the Credit Bureaus have failed to send me copies of proof of verification or any documents bearing my signature. I am now submitting this CFPB Complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00}
Product: Credit reporting or other personal consumer reports

US Bank reported following information to XXXX. 
Source of Information : U.S. BANK CORPORATION ; XXXX XXXX XXXX XXXX OH XXXX Reported For : ACCOUNT ABUSE REPORT IS DISPUTED BY THE CONSUMER ( S ) Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX Original Charge Off Amount : XXXX Closure Status : UNPAID Closure Status Date : XX/XX/XXXX This information or debt does not belong to me. 

US Bank is violating The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws by reporting incorrect information to XXXX and affecting my personal life and financial status. 

I request US Bank to verify the charges that caused this debt, verify those charges made by me. 

1. Provide all charges that caused this debt.

2. Provide dates, description of all these charges 3. Provide if any details of all disputes were open 4. Provide results of investigation of these all disputes of all charges.

5. Provide proof that I made those charges.

6. Provide banks policy for fraud protection. 
7. Provide if any bank policy used to cover these charges 8. Provide if this debt is charged off, provide proof of charged off action 9. Us Bank reported my address as " XXXX XXXX XXXXXXXX '' on XXXX  report, provide proof of this address being my address during banking with US Bank. 
10. If any of the information on XXXX  report incorrect, I reqjuest US bank to remove record from XXXX. 
11. If Us bank makes any updates to record on XXXX, I request US Bank to provide proof of real information that us bank updates on credit report. 
12. US Bank is violating 15 US 1981 and 15 US 1692 laws reporting inaccurate information to XXXX and violating fair debt collection act by reporting inaccurate debt to XXXX. 
13. If US Bank does not provide and answer all my complaint questions with proofs, I will file a lawsuit against Us Bank and XXXX XXXX for the alleged debt reporting and hurting my personal and financial life. 

I requ

est US Bank to investigate this complaint and respond to my complaint following all The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ) laws properly. If US Bank does not respond my complaint in 15 days, or if US
bank does not provide proofs requested in complaint, I request Us bank to remove this record from XXXX and Us bank internal records. 

Sincerely XXXX XXXX