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

On XXXX XX/XX/2022 I submitted a transfer for {$50.00} to the XXXX XXXX a message from Western Union that it would Take about 2 hours to respond I never heard anything back from Western Union not even 8 hours later. So I submitted it again same thing in the past I wrote what they call XXXX they never respond requesting to know the exact reasoning was. I never received a response I even Corresponded with customer service the quickly refer me back to the XXXX Team on and on.. 
I even reminded them as a consumer I had the right to know why they stated they didn't have to tell me nothing I have the TEXT ON MY PHONE TO PROVE IT!!!!
Product: Credit card

In late XX/XX/XXXX I logged into my credit card app to use my reward points. However I noticed that all my points had been transferred out on XX/XX/XXXX but I did not initiate that transfer. I called and reported this and they saw a new authorized user was added to my credit card which I did not add. The company closes the account and sent me a new card. No fraudulent charges were made yet as they fraudster hadn't received the credit card. Chase told me that they would refund the points but they never came. I've called multiple times and they say it's is being reviewed by marketing but they won't let me speak to the team handling the case. Today I got a letter in the mail saying they will not refund the points that were removed fraudulently.
Product: Money transfer, virtual currency, or money service

Well Im XX/XX/XXXX I sold my XXXX XXXX to someone and went on with my life. On XX/XX/XXXX, I wake up from a nap and have a notification on my phone showing that my email was removed from my cashapp account and my phone number and that the {$500.00} I had in the account was sent to someone without my permission. When I went to try and log in, was directed to create a new Cash App login. Then I tried to login using my email and realized that my email was removed from Cash App then I contact a cash app and try to do a claim with him and told him all the information what happened and stated that I saw my phone on XX/XX/XXXX and I XX/XX/XXXX the fraudulent transaction for {$500.00} was not me but was done on my XXXX that I had just sold and I realized that I have started to sign out of my XXXX XXXX to reset it but that I didnt know you need to enter your password before you complete the reset process so when I had sold it, I simply press the factory reset button to know how to do a reset button I didnt enter my XXXX password and I handed the phone over and I took the money from the guy and left. So I think I mustve done when you got home was saw that I got a {$40.00} payment on XXXX XXXX and then proceeded to log in my cash app proceeded to remove my email and replace it with his email and remove my phone number and replace it with his phone number and then proceeded to figure out a way to get in my cash app and use my pin to complete the transaction actually there were three total transactions one was for {$500.00} in us for XXXX dollars and last one was a {$40.00} payment from XXXX XXXX. The XXXX XXXX police report number is XXXX. 
Cashapp did an investigation, and they proceeded to tell me that it was me who made the transaction and theres nothing I can do about it but Ive gotten emails before from cash app show me a suspicious login in the location of that login, so how is it that I was logged in my XXXX XXXX at the time of the transaction and I know the cash app knows that and the transaction was made from an XXXX XXXX  and that XXXXXXXX XXXX was not where my XXXX XXXX was nor was it at my house so that shows that it was not me who made the transaction in Cash App still declined to pay or denied my claim. I havent found a police report rt and include the number previously. So now I dont know what to do with a contact because now Im out of {$540.00} and the cash app is stating that Im in a transaction what else am I supposed to do or can I do feel like I got robbed again for cash app not honoring my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon disputing this record, EQUIFAX failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX v. XXXX XXXX XXXX , XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance.
Product: Credit reporting or other personal consumer reports

Experian is reporting I have hard inquires I did not authorize. Under 15 U.S. Code 1681 please remove the folowing. 

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 reporting, credit repair services, or other personal consumer reports

I have contacted XXXX about fraudulent accounts/Activity that are showing up on my credit report. 
Ive tried contacting the police department no one ever showed up when I called back I was told that they are short staff and will be out after I explained my situation to the dispatcher she then told me that someone will be out as soon as they are able too and no one ever showed up. 

I feel like my issue is not being taken serious and all I want is for this to be fixed and removed I am truly being affected by this and its causing me a lot of sleepless nights and distress and XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 a person should not furnish any information relating to any consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if 1 ) information is in fact inaccurate Someone needs to be held accountable for this!
Product: Credit reporting, credit repair services, or other personal consumer reports

auto loan is showing incorrect on all bureaus! credit report has not been accurate for months, have given chances to amend CFPB corrected the report but bureaus unlawfully changed payments back to late!! immunizing upon my rights and Im seeking compensation financially and emotional and mental strain XXXX XXXX XXXX XXXX  please fix this back this is destroying my life!! 

pictures added of incorrect payment status differing on each bureau!!
Product: Mortgage

I was approved for a construction loan on XXXX by Citizens Bank, XXXX XXXX XXXX  XXXX, XXXX, RI XXXX... then Citizens Bank denied that loan without any explanation. My financial/personal information was disclosed to a private citizen ( who I do not even know ) without my knowledge, consent, permission. Both of these situations were facilitated by XXXX XXXX of Citizens Bank. 

Please see CFPB Case # XXXX... XXXX XXXX, Office of the Chairman, Citizens Bank wrote me an " empty '' 2 page letter and never addressed/resolved my above concerns. She has refused to take my telephone calls even after she supplied her phone number for additional assistance/clarification. 

I want my complaints resolved! I need CFPB 's assistance in this matter. 

Thank you.
Product: Credit reporting or other personal consumer reports

I was issued a Total and Permanent Discharge by the Department of Education on XX/XX/year>. When trying to get the 3 credit bureaus to remove from credit report, they are constantly informed the information is correctly stated. When the Loan agencies are called, they pass me around from company to company. XXXX, XXXX, Texas Educational Loans etc. All informing me that I have no loans in my name. However, they can not remove me from the report since it is reported as different amounts and lenders than on my TPD form and the loan is listed as consolidated. I can not get any information on separating the spousal consolidation, only I must get on the Education website and apply. No form exists, no-one will assist. The loan is forgiven, yet still shows under my credit reports. Because I am retired with limited income, I can not get a loan anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I have talked with their staff and they told me they would remove the late payment posted on my account.I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes regarding the below inquires. I have reported to XXXX, XXXX and Transunion that I have no knowledge of these inquires and need them removed ASAP but this hasn't been done. I have also mailed several letters and have reported to the Oklahoma Attorney General office that these need removed. I have no idea why these hard inquires on my credit report! I need these removed ASAP per the law. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 Transunion XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FOR XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have never done business with this merchant or signed any contracts or provided payments to the merchant. Merchant is report that they have received payment. I have disputed the merchant multiple times and still no resolution for the following amounts : Midland Credit Management {$1400.00}, {$1300.00}, {$1100.00}, {$960.00}, {$720.00}, {$4500.00}, {$1400.00}, and {$1300.00}. I would like to have errors corrected based on 15 USC 1681.
Product: Vehicle loan or lease

I am lodging this formal complaint against Volvo Car Financial Services, related to an unjust credit report dispute connected to my account ( number XXXX ). 

Despite having an impeccable payment history with Volvo, I am now facing a damaging mark on my credit report. This stems from a disposition fee of {$350.00} that I promptly paid via check in May this year upon receipt of a requested invoice from Volvo. Regrettably, it appears that this check may have been lost in their third-party payment processing center, and my attempts to resolve the issue have not been successful.

In the absence of clear communication and documentation, including the lack of a contract copy at signing, I initially found the fee surprising and suspicious. My online account, which was closed soon after my subscription ended, showed a " paid in full '' status upon the car 's return, with no indication of additional charges.

In the aftermath of my completed subscription with Volvo, I did receive several phone calls regarding this disposition fee under the Care by Volvo program. However, due to the high frequency of daily scam calls regarding the vehicle, I requested either an email from an official Volvo address or a mailed invoice to confirm the legitimacy of the charges.

I have urged Volvo to launch an investigation, specifically asking them to reach out to their payment processing center to locate the lost check. I have also offered to provide a carbon copy duplicate from my checkbook and bank statements as proof of the missing check. To this date, Volvo has not resolved this issue, and the charge-off remains on my credit report.

This situation has underscored the need for personal record-keeping, and I have requested copies of all statements, invoices, and correspondence related to my Volvo Financial account. I am disheartened that this issue persists despite my efforts to resolve it promptly and am concerned about its impact on my credit report.
Product: Student loan

I went to a XXXX school in AZ almost 8 years ago. At the time I was promised employment that would cover the astronomical cost of my loan. Today, I am working a barely above minimum wage job as a XXXX. While, I understand education costs, the cost of my education will in no way will be recouped from my job. The education I received did not give me a leg up, has not furthered my pay, and is outrageously expensive to what I am getting in return. I feel I was conned and now have a debt that is in surmountable for me and my family. Not to mention my mom had to also take out loans to further cover the cost of my education. Over {$50000.00} in to be an XXXX making less than {$15.00} an hour. I have tried other positions over the years just to try and make ends meet. Being a XXXX is truly what I want to be, and am finally working with a company that is " training '' me ( even after all my schooling at UTI that did not matter ).
Product: Credit card or prepaid card

I opened a Chase XXXX XXXX XXXX business card on XX/XX/2021, using a referral link provided by a colleague. The referral link text promised a welcome bonus of XXXX points after spending {$5000.00} within 3 months. 

I spent {$3000.00} on the card in XXXX, and another $ XXXX in XXXX. I expected to receive the welcome bonus of XXXX points after my XXXX statement closes around XX/XX/XXXX. 

Instead, I received XXXX points after my XXXX statement closed around XX/XX/XXXX. 

The points were to be used towards a XXXX XXXX XXXX ( where you must accrue XXXX points in a calendar year ). So, not only was I awarded XXXX points less than the offer promised, the points were awarded earlier than expected ( in 2021 ), meaning XXXX wont be able to use them towards the XXXX XXXX. 

I contacted Chase multiple times in XXXX, providing the URL and screenshots of the referral offer, but they said the offer terms were in fact XXXX after {$3000.00} in spending, not XXXX after {$5000.00} in spending.
Product: Credit card or prepaid card

I have several CapOne cards, some of which for many years, all of which I maintain in good standing. Most are {$0.00} balance, and some are used infrequently. I did miss a payment on card ending in XXXX, but when I recognized that a day or few later, I promptly paid off the entire purchase balance due from the prior statement ( i..e, more than minimum payment required ). 

I called today for a refund of the {$25.00} late fee, which CapOne policy provides for if there has not been a fee refund in a certain time period, typically one year. The supervisor I spoke with told me there has not been a late fee on this account for a long time, so she was perplexed as to why " the system '' would not allow the refund. 
This is yet another of many recent examples of CapOne removing the capability of customer service representatives to do the right thing for their customers.
Product: Money transfer, virtual currency, or money service

PayPal canceled my account without any opportunity to appeal. When I called them to inquire why, they wouldn't give me any reason. The person I spoke with vaguely referenced unemployment fraud or unemployment insurance, which made no sense whatsoever, and when I asked for more information and a more complete explanation, he refused to provide it. I've never been accused of unemployment fraud or any type of fraud at all for that matter. PayPal did not provide any opportunity for appeal, simply limiting my account with no option to restore it and not providing any sensible reason for this action. I tried to manage without PayPal for a while, but it is becoming more and more of a problem for my business, as it impacting my ability to collect funds from other businesses I work with who only provide transfers via PayPal. The way they've handled this matter is truly outrageous and unacceptable, especially with a decision that has so seriously limited my ability to make simple financial transactions with other businesses that only use PayPal.
Product: Student loan

Trying agree to payment plan that I can not afford. I also filed for bankruptcy in XXXX finalized in XXXX and listed my student loans as debt. But i am still obligated to make payments.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I was scammed by someone posing as an artist using XXXX XXXX  and instructed to process a payment to them through Paypal using " Friends and Family '' due to what they claimed were restrictions on their account. After over two months without receiving any product, and with the scammer having completely ghosted me, I turned to Paypal to dispute the issue. Their support portal was lacking and had no proper way to file for disputes of these cases, despite providing direction to do so in receipt emails about the transaction. Despite this, I tried to file a case in the closest applicable category, and provided as much proof of the interaction with the seller that I could, which took place on XXXX ( formerly " XXXX '' ). After waiting weeks for my case to be seen, on XX/XX/2024, I received an email stating my case had been denied and closed, and that no action would be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX that my credit score dropped by 47 points on my XXXX  report. I had no major changes on my accounts ( even during the holidays ). After carefully examining, I realized that XXXX XXXX had reported me 30 days late. I called them and explained that I moved in XXXX and that I have NEVER had any issues prior to this. I admitted my mistake and requested for them to remove this information as a goodwill adjustment. They initially stated that they couldn't remove it. I asked to speak to a supervisor who initially told me the same thing, and explained that he never encountered this situation before. After twenty minutes on the phone, he suggested that I contact the credit bureau and dispute it. I questioned the validity of his information since the credit bureaus will only report what XXXX XXXX reports. The supervisor, XXXX suggested that I send the request to the credit dispute department which I did, but I did not receive any response or solution to my request. I have this account since XXXX of 2016 and I have NEVER been late. I had such a good payment track record with XXXX XXXX that I even have car financing from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle from XXXX in XX/XX/XXXX, jointly with my daughter. In XX/XX/XXXX we turned the vehicle in early directly to a dealer, and received the Turned In Completed paperwork on XXXX. We knew there would be an amount owed and the dealership said that we would receive a letter stating the balance owed. We didn't receive this letter until XXXX and paid the balance due immediately. In early XX/XX/XXXX I saw that my Experian credit score dropped from XXXX to XXXX and found it is because the XXXX tradeline does show paid per obligation but ALSO shows late payments in XX/XX/XXXX and XX/XX/XXXX, totaling a 90-day late line item. XXXX also reports the same. I called XXXX and they state that they did not report late payments to the credit bureaus and there is nothing they can do for me. I disputed online with both XXXX and Experian. XXXX closed the dispute the same day I opened it and didn't even look into it. My daughter 's ( joint borrower ) credit report tradeline for the same leased vehicle has been reported accurately with no negative/late payments and is closed correctly, paid as agreed. I have attached the snapshot of her credit report showing it reported properly. How can mine be 90 days late and hers paid as agreed on a joint account?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to pay a debt not owed You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies. The conduct of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is usury and Extortion and blackmailing me by using my Credit file to coerce me into pay a debt not verified.