23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On the morning of XX/XX/2016 I went in to my local credit union, XXXX XXXX XXXX, and initiated an international wire transfer. On XX/XX/XXXX, I went back to my credit union to inquire about the wire, because it had not been received at the other end. They said that they would send an inquiry to JP Morgan, because that 's who they use for International wires. They said I had to wait a week for an answer. So on XX/XX/XXXX I went back to my credit union again and they gave me the proof that they sent the money to Chase, but could not get anything in writing from Chase confirming that Chase had sent the wire! Since Chase would not confirm in writing that they sent the wire, I requested my money back. According to my credit union, Chase says that they are investigating, and would get back to my bank within two weeks, or maybe three months! All I want is either proof they sent the money, in writing, or the return of my funds immediately! I should not have to wait three months, they either sent it, or they need to return it. The receiving bank asked for an " XXXX '', that is a XXXX message format used for making XXXX international transfers. This wire transfer is a XXXX transfer, so why do n't they supply my bank with the XXXX information for the wire transfer, if they did it? Please help me with this, I have no one to help me, including my credit union, they will not make Chase give them proof of the transfer in writing, I am a member in good standing, but whatever Chase says, they just bow down to them. 

Thank you in advance, Sincerely,
Product: Checking or savings account

My daughter and I are moving on XX/XX/XXXX of XXXX. I opened a XXXX  account so I could try to sell some clothing that I had that I didn't use. I received an email On XX/XX/XXXX stating that one of my items had been purchased and to click on the email to receive the payment. I did it the next day on XX/XX/XXXX. It was the first time I had ever done this, as I was new to the site. They said that I needed to confirm that I was the cardholder and to put my debit card number in and they would put a {$300.00} hold on my account but it would only be a 5 second temporary hold. They stated that it was not a payment but it was just a security measure to help weed out fraudulent activity. As I completed the steps that they asked me to I saw that they took the {$300.00}. After 15 minutes I still didn't get it back I called cash app. They said that I had to wait until the transaction was settled and no longer in pending status. They said that they could see that a temporary hold was put on but to give a call back and they would be able to resolve it for me. When the XXXX came I checked and the charge had been settled as a payment. They never returned the {$300.00}. I called cash app to dispute it. They wanted photo evidence and I did mess up on that part so I called them back and they said unfortunately I would not be able to resubmit anything I had to wait for it to be denied and then resubmit it, turn the 12 photos of evidence that I have into a XXXX  document and then attach it to the new email. I did that and sent all of the proof in and I called them today on XX/XX/year> and they said that it's still denied. I sent them proof that they said that it was not a payment It was just a temporary hold, when I called them they said that they could see that it was a temporary hold. But they are not allowing me to get my money back. I sent them every step of me being scammed and how it looks like a legitimate XXXX site. I reached out and asked for documentation on why they denied my dispute even with the irrefutable evidence. She said that She would send something out to somebody and request that I get the documentation. I'm a single mom, I am low income. In the last year I have had the XXXX surgeries. I was diagnosed with XXXX XXXX and had a full XXXX. I then needed XXXX  XXXX. That money was literally all I had in my account. I have tried explaining my situation to them but they are not listening to me They don't want to help. I need help on this situation please!
Product: Checking or savings account

They constantly froze my account, they frozen my account at the end and said they had to review my account when I got back into it, my {$2000.00} was gone
Product: Vehicle loan or lease

Per the fcra as a federally protected consumer I am now opting out of any of all authorization I the consumer may have given you written, unwritten or verbal or non verbal per 15 ufc 6802.
Product: Credit card

PenFed reversed a charge back of {$740.00} to my credit card. I did not receive any documentation to support the reversal nor call from the company. prior to the reversal. Subsequently, I requested a copy of the documentation that was mailed to me on or about XX/XX/2024, Then on XX/XX/2024 I requested that PenFed reopen the denial. I sent them a letter that they had engaged in reckless conduct by failure to observe that the merchant 's " Authorization Form '' had my hand written credit card number, as well as my mark through the word " NOT '' that I would dispute the charge. Moreover, this handwritten card number supports my position that I did not swipe my card with the merchant. XXXX! Furthermore, the towing " receipt '' clearly has my hand written " Refuse To Sign '' for Authorization of charge. My only signature was for possession of my XXXX vehicles. This has been stated repeatedly to PenFed who indignantly refuses to refund my money. Lastly, I was not given a temporary credit on XX/XX/2024. In summary, the failure to provide merchant documents prior to reversal, failure to provide a temporary credit on XX/XX/2024, failure to provide merchant documents in support of their XX/XX/2024 second denial, and reckless evaluation of the merchant response documents to support their reversal, were flagrant violations of the Fair Credit Billing Act ( FCBA ). This was a reckless disregard of Penfed responsibilities under the FCBA. This shall not be tolerated in a civilized society.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Checking or savings account

signed up for a offer and complied with all requirements and they didnt fulfill the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account XXXX put it back on there. they claim that i owe {$110000.00} witch is impossible.i have proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. i simply ask that these ithems to be remove from my credit report thanks
Product: Debt collection

I received a letter from XXXX XXXX XXXX stating that I owe PayPal a {$30.00} debt as of XX/XX/23. I don't have a debt on my PayPal and in fact have a {$100.00} credit. The account is also linked to my bank and credit card and hasn't shown up on my XXXX Credit report. I am waiting to hear back from PayPal but I am not sure how to proceed as it appears my information ( name and address ) is available online, but not sure what else. 

A photo of the letter is attached.
Product: Mortgage

What is the complaint? 
I have a property up for short sale and closing listed with a realtor since XXXX last year XXXX. The property has a buyer and all paper work and documentation for this transaction has been provided. I AM TRYING TO AVOID FORECLOSURE. And feel my mortgage servicing company ( Ocwen ) is not acting in good faith as a fiduicary. Also use delaying tactics of requesting the same docs over and over again, having uncertified realtors act as as appraisers to come up with an BPO or valuation price for the property, which is unrealistic based on the damage and required repairs, etc. The property is listed as under XXXX, but their valuation price is over XXXX. 
What problems are you having? 
Ocwen is not accepting our licensed and certified appraisal sale price report in making their approval decision for the sale of property. We want them to used the certified appraisal report in the decision and act in good faith as required by law. Also we need the cash incentive offer to help with our moving expenses to be allowed due to all the delays in processing our transaction. 
What happened? 
The mortgage servicer had BPO done twice by unqualified appraisers ( realtors ), My realtor and I requested a copy of the lastest BPO done by their realtor in XX/XX/XXXX, and they denied such a report exist. Although my realtor talked to their realtor at such property and say it was to be kept confidential. We need a copy of the lastest valuation report prepared by the mortgage servicer. I believe their BPO is  not a good faith estimate or fair market price. Certain factors such as damage and repairs should have been factored in determining the market value such as new roof, repair sewer septic tank system, garage door replacement, kitchen repair due to water damage and mold remediatation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly told equifax & XXXX  that I do not nor have I ever lived at the address that they continue to report as mine. 
Ive gone a step further by certified mailing them an information update form AND a FULL COPY of my lease. 
They continually report me as living in Utah and it has caused major impacts in my credit.
Product: Payday loan, title loan, or personal loan

Between XX/XX/XXXX and XX/XX/XXXX, I borrowed {$4200.00} from Cash Central. I repaid {$7300.00}. I paid {$3000.00} in fees. Cash Central is not licensed in my state, therefore, I was only responsible for repaying what I borrowed. Cash Central owes me {$3000.00}.
Product: Bank account or service

On XXXX/XXXX/2016, I applied online for a checking account with HSBC and to date, as of XXXX/XXXX/2016 I have never received any confirmation of my account. An attempt to contact them via telephone proved futile as well. At the time of account opening I authorized a deduction from another personal checking account in order to open the account so these funds are now tied up. I passed all of their security questions and their web page indicated that I would receive a final " review '' within 72 hours, ( see below ). I believe that due to the fact that I listed income received from Social Security that they are delaying opening my account and hoping I forget about it especially given the fact that they offered an incentive to open the account and apparently are screening applicants by questioning if they will receive Social Security payments in their accounts as the question was posed multiple times. 
" Please note that online applications may take up to 72 hours to be reviewed. To ensure an optimal experience, please complete the application in full with accurate information. ''
Product: Checking or savings account

Several times in a month have been charge for overdraft fees sometimes i put money for any upcoming payment nd when payment get claim they said theres no founds i also supposed to have overdraft protection nd for some reason the bank let companies get money for my payments without me having the founds there
Product: Debt collection

I reached out to Hollway credit solutions last year to get more information, the debt that's being furnished on my credit report is for {$1300.00} dollars for my daughter 's braces. This Debt was put on my credit report during XXXX  XXXX, i lost my XXXX  and became sick with XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of a public record item on my credit report. The item in question is USBK COURT XXXX INDIANA REFERENCE # XXXX which I previously disputed with you. In response to my dispute, you verified the item as accurate, stating that you had verified the information with the court. 

However, I have recently contacted the court and they have informed me that they do not report to you or any credit agencies for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. ), which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report.
Product: Debt collection

NOT OUR DEBT XXXX ) Loan discharged in XXXX from XXXX XXXX SD, school no longer on record. 
XXXX ) No contact from school financial aid or communications from anywhere or anyone for 11 years after website said paid in full in XXXX. 
XXXX ) Nelnet acquired in XXXX, 11 years later and FRAUDULENTLY CHANGED THE DATA FILE saying it was transferred, not Paid in Full as it's shown for 11 years. 
XXXX ) How can a discharged loan in XXXX with paid in full on school website be transferred 11 years later to a collection company. 
XXXX ) Statute of limitations for Oregon is 6 years. 
XXXX ) Nelnet has not provided documents proving they can collect on this debt in Oregon, i.e. license to collect. 
XXXX ) Nelnet changed data fraudulently on the Great Lakes financial aid file from paid in full to transferred. 
XXXX ) Nelnet fraudulently changed data on credit report for XXXX XXXX school file reporting paid in full file to showing transferred in XXXX. 
XXXX ) XXXX XXXX school is no longer in information to contact. Nor have they responded separately from nelnet providing information verifying the debt was NOT DISCHARGED and why their school financial aid showed paid in full. 
XXXX ) Nelnet refuses to furnish original contract with information verifying this debt with a " wet signature '' of the contract proving I owe this debt. 
XXXX ) wrong name on file XXXX ) wrong address on file, Nelnet fraudulently updated mailing and email address from the CFPB prior complaints. 
XXXX ) NOT OUT DEBT, this was discharged in XXXX and plainly stated on the school financial aid portal website with no further communications until Nelnet fraudulently changed data in their favor in XXXX. 
XXXX ) Nelnet continues to harass stating we owe this debt without any verification of debt owed and reason the XXXX XXXX  school stated paid in full for 11 years with no further communications. They have not provided this information and continues to not provide. 
XXXX ) Nelnet refuses to provide information from XXXX XXXX  school proving this was NOT discharged and why no further contact for 11 years. 
XXXX ) Nelnet is trying to collect a debt that I do not owe, it was discharged and nelnet fraudulently changed financial records to show transferred. 
XXXX ) Nelnet fraudulently states that this loan was not discharged but deferred. They have refused or dismissed requests to provide verifiable letters from the school dated 11 years ago stating this. We still have received nothing from XXXX XXXX 
XXXX ) THIS IS NOT MY DEBT.
Product: Credit reporting

XXXX account is schedule to come off my Equifax credit report XXXX 2016 and Equifax refuses to remove it from my credit report
Product: Credit card or prepaid card

I am a business owner that has a Chase Bank business credit card. I used points on my Chase XXXX XXXX to book business travel from XXXX to XXXX. Due to a business matter, I had to reschedule my flight by 2 weeks. Since I used points, to reschedule my flight I had to speak with a Representative at Chase Travel Rewards to have them do it ( they required this ). The rep charged me a fee ( higher flight cost ) and sent me a confirmation of the flight being booked. When I showed up at the airport in XXXX on XX/XX/XXXX I did not have a ticket for the flight. The CHase Travel Rewards Rep never finalized booking the flight. I had to be in XXXX for XXXX the next day so I bought a ticket to another flight and had to pay an extra {$1200.00}. I filed a complaint with Chase TRavel rewards and they admitted verbally and in writing that they were at fault. They agreed verbally and in writing that they would refund me {$1200.00} for their error. They have not. The branch can not help me... local market executive will not do anything, chase escalation dept will not do anything... all have said chase is 100 % at fault but they will not just refund me. Now my CC payment is due in 8 days ( XX/XX/XXXX ) and I will now need to actually pay the {$1200.00} with my own money. I need someone to help. My company name is XXXXXXXX XXXX XXXX XXXX Note that i have called several times and even went to the branch in XXXX PA to resolve. everyone at chase says its their fault and i even have an email admitting their faukt and stating that they would refund me... no resolution
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX Credit Bureau in regard to incorrect information reported on my credit report from " XXXX XXXX ''. The XXXX XXXX Account was closed and charged off on XX/XX/year>, however, the credit grantor has continued to report the charge off on a monthly basis for XXXX years. After filing the dispute with XXXX, they did not resolve the issue by removing the creditor from my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I requested the removal of an old account that is well past the statue of limitations from my Experian and XXXX Credit Files. I paid the account off in full 6 years ago. I have disputed the old creditor by the name of XXXX ( account # XXXX multiple times now and have been met with a FALSE verification letter from both bureaus stating that all information is correct, HOWEVER the account/creditor should be removed due to bein past the statute of limitations.

Under FCRA 15 U.S.C 1681p - The FCRA provides for a two-year statute of limitation from the date of discovery of the FCRA violation, as well as a statute of repose requiring that FCRA claims be brought within five years of the date of the FCRA violation. 

Both Experian and XXXX have both blatantly violated FCRA 15 U.S.C. 623, 15 U.S.C. 609a as well as 15 U.S.C. 1681p.

I will be escalating this matter if need be due to the improper reporting and negligence of both reporting agencies.
Product: Debt collection

on XX/XX/XXXX i received a call from a collection service " XXXX XXXX XXXX XXXX '' saying i owed {$120.00} on a vehicle I bought in XXXX when living in Florida. I had not heard from them until this time 9 years later. I paid them the {$120.00} which I have the credit card statement to prove it. now here 12 days later i get a hit on my credit report saying that I owe a debt. I called XXXX XXXX XXXX XXXX and spoke to someone who looked it up and confirmed that the payment was sent. She was supposed to email me a letter stating that this was paid on the date listed. She did not. it cost me XXXX point on my credit which is HUGE. I've spent the last 2 years fixing my credit and now its destroyed because of another company error, and my chance of purchasing a property is all but lost due to their neglect to report properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The three XXXX XXXX  Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment information history for the accounts opened on XX/XX/XXXX and XX/XX/XXXX is incorrect. To start, both of these accounts were paid in full in XX/XX/XXXX which is reflected on the payment history for the XX/XX/XXXXaccount by being labeled as current, however for the XX/XX/XXXX account there is missing payment history. In addition, The XX/XX/XXXX account payment information for XX/XX/XXXX is reported as current, but for the XX/XX/XXXX account is reported as 90-119 days  late. This is frustrating because both  accounts had combined payments through XXXX XXXX. Also, how can the months of XXXX be 90 days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XX/XX/XXXX. I had first disputed with all three credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the 2 accounts I am requesting help with listed above. Thank you!.
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX  - XX/XX/2023 XXXX  - XX/XX/2023
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ADDRESSES. PLEASE REMOVE FROM MY CONSUMER REPORT. THANK YOU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX