23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I received a phone call telling me that a Western Union transfer I had made in XXXX 2013 had not been collected and requesting personal information for ID verification to initiate a refund. I refused to give any personal information and contacted Western Union via their web site to see if this was genuine or a scam. Western Union confirmed it was genuine and said a refund would be made within XXXX hours. 
After XXXX online chat sessions and XXXX written communications over a XXXX week period each XXXX promising a resolution in between XXXX hours and XXXX week, I have still not received a refund.
Product: Money transfer, virtual currency, or money service

Berkshire Bank received wire XXXX XXXXXXXX at XXXXXXXX XXXX. on XXXX XX/XX/2023. Their policy states that cash deposits and wire transfers are available immediately. However, they said it had to " process '' and the funds were not available the same day. This wire was a payment for a new vehicle which I was not able to get on a Friday and I sustained three days loss of use.
Product: Debt collection

I bought a watch battery worth less than {$10.00} and paid it in full via a promotion program by XXXX XXXX. While I did not establish a credit relationship or made any further purchases from the Jewelry store, the company has consistently billed me for Jewel purchases that I do not know anything about. On learning about the bills, I immediately went to the same XXXX to request immediate bill correction and to stop sending bills. My many visits and subsequent reassurances that the matter will be handled, have how lasted for close to 10 months. The company has consistently sent me huge bills the latest being {$5600.00} coupled with threats for collection. This has continued to come despite my objection to the company and multiple requests to be removed from the company 's debtors list. 

Distress : Just recently, as I attempted to co-sign an auto loan for my son as he joins college, I was dumbfounded to learn that XXXX have damaged my credit rating in a report to the credit bureau. The company has also continued to issue threats to me for collection measures. 

Because of XXXX XXXX 's fraudulent charges, my historically high credit rating has been damaged to the effect that I am not able to make any progress in my life and that of my family members.I am in urgent need to have the company remove the negative report and to compensate for the distress caused by the 10-month long ordeal.
Product: Credit card or prepaid card

I was automatically enrolled into a Rewards point sharing program between American Express and XXXX, and received the email below. I never agreed to have my information shared with XXXX or any other affiliate. By claiming this to be a " convenience '', American Express has unilaterally decided to share my information. 
I had to un-enroll myself by logging onto my XXXX account. 

Text of the email I received, is shown below this line " Why am I receiving this email? 
For your convenience, American Express and XXXX have worked together to launch a new feature that automatically enrolls your American Express Membership Rewards card to Shop with Points at XXXX. Now that youve used your card for your XXXX purchases, you can view your Membership Rewards point balance and redeem for eligible purchases on XXXX, without the extra hassle of manually registering online. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Today,XX/XX/XXXX I tried to see my free credit report. I was charged 3xXXXX for their protection service that I never intended to join
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America sent me balance transfer checks to use up to the credit limit on the account of {$22000.00}. I took advantage of their offer. After they added all of their transfer fees they then reported to the credit agencies that I had exceeded my credit limit. My " very good '' rating immediately plunged  XXXX  points to " good ''.     I feel this is a deceptive banking practice.      1.  They should not allow me to go over my limit if they know the fees will push me over and kill my personal rating.      2.  They should more transparently disclose this issue to annyone taking advantage of their offers.     I called and talked to a representative named  XXXX  and then her supervisor called me. They basically relayed that this issue had been reviewed and the bank followed all policies so there was no error on their part.     I strongly disagree. Reporting that can so quickly destroy a very good credit rating so quickly over such an insignificant amount needs to be reviewed and addressed. The account was over the limit by {$52.00} out of a {$22000.00} credit line and was only over until I received my bill and paid it down as required the following month.
Product: Credit card or prepaid card

XX/XX/XXXX I requested a new Credit Card " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' in XX/XX/XXXX. One of the benefits I valued was Trip Cancellation/Interruption insurance up to $ XXXX.per event, {$10000.00} per year. In addition, all purchases accumulated XXXX points for every dollar spent. ( XXXX ) I have used the card extensively, payments were automatically deducted from my bank account ( auto-pay ) and my credit score has been around 800. 

On XX/XX/XXXX, I contacted the bank and, given my good standing, asked for a waiver of the {$89.00} annual fee. The gentleman instead offered a NO FEE card, especially since almost all my charges were for travel and dining expenses. He stated explicitly that this card would fit since the only difference from the previous card was that, " XXXX points would be given for Travel and Dining expenses '' en " XXXX point for all other expenses. ALL OTHER BENEFITS WILL REMAIN THE SAME ''. I heard him say that more than once. 

We agreed to proceed. I could continue to use my other card until the new card arrived and was activated. 

On XX/XX/XXXX, I received the new card in the mail. ( XXXX ). The name was changed to " Arrival ''. The card had a sticker asking to " Activate your card now at .... '' I did not activate the card but first verified the insert and benefits. THE BENEFITS WERE DIFFERENT. The travel protection was reduced to {$1500.00}! 

I contacted the bank immediately and today informed me and they have already switched me to the new card program and are unwilling to allow me to go back to my prior card and benefits. They claim that procedure was followed. I vehemently contest that statement. Is it proper procedure to misrepresent the benefits? 


Here are the reasons for my complaint : : 1. The agent did NOT disclose that the benefits for travel insurance would be reduced. To the contrary, he said that all benefits would remain the same. 

2. When the card arrived, it had to be activated to become valid, which I did not do. 

3. It was my understanding that the new card would become active AFTER I had activated it and that at that point the previous card could be destroyed. He did not say that I would be switched IMMEDIATELY that day of XX/XX/XXXX to the new account. Moreover, how can anyone agree to misrepresented verbal information which turns out to be materially different from the written information received in th mail. How could, it be that a consumer has no recourse after seeing information that was different than what was promised? One has usually a few days to decide AFTER the pertinent information has been provided. 

This is the second time in a year that I have to file a complaint for misrepresentation of facts by Barclays.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid account XXXX XXXX XXXX in XX/XX/XXXX. The credit company did report the amount owed as {$0.00} in XX/XX/XXXX, but it is still listed as a collection on TransUnion now in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by XXXX that my personal info was part of their breech. On XX/XX/XXXX, I place a freeze ( online ) on all 3 services. At the end of the online process I had to pay {$10.00} to each credit reporting service. On XX/XX/XXXX, I went to purchase a new vehicle. I told the dealership I had a freeze on my credit. I had to phone TransUnion ( automated ) to put in my pen # to temporarily unfreeze my credit. At the end of the automated call I had to pay {$10.00} for my credit to be checked. When I placed the freeze on my credit I was not notified that I would have to pay every time my credit needed to be checked. 

On XX/XX/XXXX I called TransUnion and their representative told me the fees vary from state to state.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred {$8900.00} worth of a cryptocurrency from my account with XXXX to my Coinbase account. The asset was apparently not supported by Coinbase and the company has told me that the crypto currency is lost and there is nothing they can do unless they decide later to support the currency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act, XXXX Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Deposits are not being processed into our accounts. We received and email that said there is a problem with a third party vendor. 
This has inturn made all of my bills bounce that are set to come out of my account the day after I an Supposed to get paid.
Product: Payday loan

I submit a stop payment request on this payday loan from my bank, XXXX. I paid the fee of {$30.00} but Cash Store was still able to withdraw my account putting it in negative. I tried to have them to stop payment via a phone conversation which they refused. My bank also will not stop payment because they have no control over automatic checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX XXXX but the car and the responsibility for payment was awarded to my ex wife in the divorce. When it became known to me that the payments were in default and collection activities had began i called in to report the location of the vehicle so that they could pick it up before any damage was done. I was told that i could not make any changes to the account in any way since i was not a member of the credit union. The account access was given to my ex wife only who had moved without reporting her address. Several months passed before they would talk to me about the account outside of demanding payments. I assisted in the collection of the vehicle even though the court specifically stated i had no further responsibility for it or any debt associated with it. They collected the vehicle and keys voluntarily and sold the vehicle but was not able to get the value for it because it had body damage at this point and had depreciated over the course of the year it took me to get it for them. They then demanded the rest of the loan balance from me and i submitted the divorce decree. I also paid for credit repair to help clear things up after the divorce. They just wrote it off as bad debt and let it sit in my credit for years. My ex wife has since claim bankruptcy and this should have been on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a lease from XXXX XXXX in XX/XX/2018, the lease amount 'financed ' was listed on my credit report for {$6800.00}. I have made all payments on time, but as of mid XX/XX/XXXX I got a notification from Experian that XXXX XXXX lowered my credit limit ( {$6400.00} ), which in turn lowered my credit score. I called XXXX XXXX on XX/XX/XXXX and she said it was the company 's fault that they added sales tax into the original amount reported to Experian. This error was a XXXX XXXX error and they have no solution for me. I would like this reversed to reverse the negative decrease in my credit score.
Product: Checking or savings account

I have two issues with BBVA USA 1.My financial advisor XXXX XXXX and XXXX XXXX from BBVA Compass start managing two of my Life Insurance in XXXX XXXX.1 Insurance company XXXX, Policy number XXXX, Beneficiary XXXX XXXX Trust , Face amount {$15.00} XXXX XXXX 1.2 Insurance company XXXX  XXXX, Policy number XXXX, XXXX XXXX XXXX XXXX, Face amount {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX / Tel. XXXX Building / XXXX XXXX XXXX, XXXX, CA XXXX / XXXX  XXXX XXXX, XXXX Senior Vice President | Financial Advisor III BBVA Compass INVESTMENT SOLUTIONS, a division of BBVA Securities Inc. 
Tel. XXXX XXXX XXXX - Fax XXXX XXXX XXXX - Mobile XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Right now financial adviser XXXX XXXX and XXXX XXXX any officer of BBVA Compass dont give my any informations about my Life Insurance They close my collateral account {$1.00} XXXX XXXX I did not receive any money back and they control my two Life Insurances Please help me return my Life Insurance 2.BBVA USA close my account XXXX stole {$710.00} and i filed complain to FDIC Here is email from FDIC XX/XX/XXXX Ref. No. : XXXX Re : BBVA USA ( XXXX XXXX  ) Dear XXXX XXXX : Thank you for your correspondence, which was received by the Federal Deposit Insurance Corporation ( FDIC ). 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System. 

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov XXXX : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Telephone : ( XXXX ) XXXXSK-FDIC Fax : ( XXXX ) XXXX cc/enc : Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 
please XXXX check the listed late payment below Account Name : XXXX XXXX XXXX Balance : {$18000.00} Account Number XXXX Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX  Balance : {$0.00} Account Number XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting

same creditor information on my report twice. its the same account but listed twice on my report. when dispute they keep saying account has been verified to be yours and accurate. I 'm not disputing the account is mine, I am saying its the same account on there twice. same start date and everything have asked them to remove duplicate several times and they keep saying the same thing also will not remove outdated information. I have several accounts that are past the drop off date ( date of last payment and date of last activity is past 7 years and have requested that they be remove from credit file and keep getting the same response. this account has been proven to be yours and information updated. again I am not disputing it was mine but that it is past the drop off date and I request it be remove from file. I have had a REAL problem with Equifax when it comes to removing incorrect information, outdated information and information to drop off. also I sent them a money order that stated the creditor agreed to remove negative information from credit report once money order is received and cashed. it is written on the money order. the creditor received and cashed it and the item is still listed on my credit report. I included a copy of the money order with the dispute and received the same reply each time. this account has been verified to be yours and has been updated. again I am not denying that it was my account but that the agreement was to remove it from credit file was money order was received and cashed and it was. I do n't know if they see multiple disputes from the same person and just send an automated response, but what I do know is that my request are not being addressed. please help. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington , DC 20552 Subject : Complaint Regarding Credit Report Dispute Dear Sir/Madam, I am writing to file a formal complaint against all 3 credit bureaus for their handling of a dispute related to a charge-off on my credit report. 
I initially disputed this charge-off with Credit Bureau in XX/XX/2023, requesting verification of the debt. Despite my request, Credit Bureau has verified the charge-off without providing me with the method of verification or any proof of the debt. 
Here are the details of the disputed item : Account name : XXXX/XXXX  XXXX XXXX XXXX  Account # XXXX XXXX Acct # XXXX 
XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Acct # XXXX I believe that the Bureaus actions are in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to provide consumers with accurate information about their disputes. 
I kindly request the CFPB to investigate this matter and ensure that Bureau is complying with the FCRA. I also request that the charge-off be removed from my credit report because the bureaus can not provide proof of the debt. 
Please find attached copies of my correspondence with Credit Bureaus for your reference. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score is seriously affected because a account which does not belong to me was added to my credit reporting and I was showed that there was due that had to be paid.
Product: Debt collection

I have received numerous calls from this company, I asked for proof of debt as I have no knowledge of this company, I was told they would send information of the debt via email, that never happened, when contacted again, I asked for this information and was referred to their website. i have no knowledge of this debt or this company, I informed them that I had been a victim of identity theft, case number XXXX. To date, I have not been provided with the documentation.
Product: Mortgage

I submitted a comlaint XXXX XXXX, # XXXX. I did receive a call the next day from the mortgage co. They promised to follow-up, but have not. In the mean time they have listed our property for foreclosure. We have not been given a clear reason as to why the loan modification was declined. The loan servicer who called was unsure why the underwritter dnied modification. We were told that a conference cll would be set up for us to speak with the underwritters. This has not happened. If foreclosure is the only option, then ok. But we have not been given an adequate explanation for denial or explained the appeal process or allowed to seek other options, i.e. short sale. It seems as if the mortgage company is delioberately not returning our calls.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices which violates the customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS INCORRECTLY REPORTING LATE PAYMENTS ON A PAID IN FULL CLOSED ACCOUNT. XXXX BANK ACCOUNT # XXXX THIS ACCOUNT WAS NEVER LATE. IT WAS ALWAYS PAID ON TIME AND IS PAID IN FULL AND CLOSED.TRANSUNION IS INCORRECTLY REPORTING THE DATE THIS ACCOUNT WAS OPENED, THE DATE OPENED DATE IS DIFFERENT THAN WHAT XXXX AND XXXX IS REPORTING. TRANSUNION IS NOT MENTIONING MY NUMEROUS DISPUTES UNDER " COMMENTS ''. 
TRANSUNION IS REPORTING 'DATE LAST ACTIVE ' AS XXXX, EVEN THOUGH I DISPUTED THIS ACCOUNT MANY TIMES SINCE XX/XX/2022, AND TRANSUNION CLAIMS THEY VERFIED THIS ACCOUNT, BUT CLEARLY, THEY DID NOT, PROOF IS IN THE DATE LAST ACTIVE. 
I HAVE YET TO RECEIVE DOCUMENTATION FROM TRANSUNION SHOWING PROOF THAT I WAS LATE WITH ANY PAYMENTS>?? 
VIOLATION AFTER VIOLATION-SO MANY INACCURACIES!! PLEASE REMOVE THIS ACCOUNT IMMEDIATELY.
Product: Mortgage

Ditech -- and Green Tree before it -- is nothing more than a collection agency masquerading as a mortgage lender. Somehow, my XXXX XXXX XXXX mortgage loan was moved to Green Tree ( later known as Ditech ). The company policy of harassment was constant and their accounting always suspect. 
My complaint now is that I ca n't get Ditech to send me my escrow refund following the sale of my house. The company HAS sent me documentation that my transaction was settled and approved and that I was due an escrow refund, which they claim they have sent. There are numerous complains posted online regarding Ditech 's " check-must-be-lost-in-the-mail '' excuse, which is exactly what I got. I was told I would have to wait 30 days to request a replacement check, but now my requests are seemingly being ignored. 
I have filed a complaint with the Texas XXXX and will also file complains with the XXXX and any other agencies which might help resolve this matter. 
Although, there 's more to this than resolution. This company represents the worst in business models and business practices. And, apparently, there are limitations in the degree of punishment they can be assessed for their practice of delinquent escrow refunds. 
I feared/expected " more-of-the-same '' treatment from Ditech, even after ending my business relationship with them. And more of the same is what I got.
Product: Payday loan, title loan, or personal loan

So Ive been trying to get into contact with them letting them know this was open without my permission, I have no knowledge of this account and asked if they could remove this account from my credit report, this have failed to get into contact with me to see what can be done, they told me I had a Debt and needed to be paid, like I told them I never heard of your company and Ive been a victim of fraud, and this is hurting my credit score to get a house or credit card, the account number under my credit report is XXXX
Product: Debt collection

XXXX XXXX XXXX is reporting the same XXXX account debt twice and after numerous attempts to have one of the duplicate debts removed they refuse saying that the accounts are accurate but, they are duplicate accounts with the same company they refuse to remove 1 of the accounts which is a duplicate