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

I'am the XXXX XXXX of the XXXX XXXX tried to send {$400.00} to western union, however the name of the recipient was not the same as on the I.D., so i was trying to change the name using WU application " Western union cares complain '' from XXXX, which seemed ill be legitimate of those apps.I give my details to provide the transfer, I thought it was a genuine WU.I give my wife details and as a result, someone was able to collect the cash with a w rong provided ... .It was happen last XX/XX/XXXX i send the money and received by the unknown person XXXX XXXX ,2017.
Product: Mortgage

I lost my house thru foreclosure on XXXX/XXXX/2008 to Washington Federal XXXX. I received a letter from the Branch Manager XXXX XXXX from Washington Federal XXXX offering me a loan modification for 3 months starting XXXX 2008 and another letter with documents for an additional loan modification on XXXX XXXX 2008 I never received any notices of foreclosure! I had a cash buyer a month before the foreclosure but the bank said no. Curiously, the bank sold and CLOSED the property in less than a month after the foreclosure. In fact they sold it well under market thru a realtor friend they know very well. They treated out of state customers differently.
Product: Money transfer, virtual currency, or money service

Im filling this complaint due to inadequate customer service and unfair treatment which i also read and it violates the customer financial protection act.cashapp have repeatedly failed to take timely and effective measures to prevent fraud on there platform they dont comply with error resolution requirements under the electronic fund transfer act cashapp have cost me financial lost and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Ive identified errors on my credit report showing late payments that do not reflect my normal payment habits. Please resolve these issues and update my account.
Product: Debt collection

I mailed a certified letter to Capital One on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to provide me with proof that they provided the Credit Agencies that this account was not lost/stolen and charges were from Identity theft and they have failed to do so. They keep sending the following letter ( attached )
Product: Credit reporting or other personal consumer reports

feel I am being ignored by this company. my report has unauthorized accounts, never did I consent to these being applied for. Never did I have knowledge of them nor did I ever have access to any of these. However, XXXX is not removing them from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Convergent Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Property AddressXXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX I took a reverse Mortgage on my home on XX/XX/2014 with RMS. The Reverse Mortgage Company   without my knowledge put forced placed insurance on my property which they than demanded I pay in full or I would lose my home. I did pay them {$4800.00} towards the insurance. I had made a payment agreement with them. They have since sold my mortgage to Celink and are nearly impossible to reach. In addition Celink is not honoring the payment arrangement and I am concerned about being without a home to live in. Plesse advise me as to what I must do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm an XXXX XXXX military member and recently discovered unauthorized inquiries and accounts on my credit report due to identity theft. I've disputed with credit agencies, but seek your expertise for a swift resolution. Your help is crucial in maintaining my financial security. 

Thank you, XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two notifications from the Experian Credit Bureau showing that I applied for a credit card with XXXXXXXX XXXX XXXX 

Here is the information and dates for both applications : XXXX. First inquiry date was on XX/XX/XXXX with a removal date of XX/XX/XXXX The application was for a XXXX XXXX XXXX XXXX XXXX XXXX. Second inquiry date was on XX/XX/XXXX with a removal date of XX/XX/XXXX The application was also for a XXXX XXXX XXXX XXXX XXXX Here is the contact info for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX As you can see both applications were submitted 17 days apart which should have been a RED FLAG for XXXXXXXX XXXX XXXX that someone was using my information to obtain a credit card. I have a fraud and Identity theft alerts placed on file with each of the three credit Reporting Agencies : Experian XXXX XXXX and XXXX and so far the only agency reporting this on my credit report is Experian Credit Bureau. 

I filed a fraud complaint with both XXXX XXXX XXXX and Experian Credit Bureau Thanks for your assistance
Product: Debt collection

On XX/XX/ I submitted a debt validation request to Convergent Outsourcing XXXX : XXXX. By certified mail. In the amount of {$1400.00} I requested written confirmation of the following information. Amount owed, Detailed calculation of the balance owed, Copies of the signed agreement showing this account is my obligation, Proof of the time/statue of limitations pertaining to this debt, Proof of company license to collect debt in my state, as well as licensing numbers and Registering agent, Verification of original creditor and original bill of sale. On XX/XX/ Convergent Outsourcing only provided me with XXXX billing statements. I submitted a 2nd debt validation letter on XX/XX/ by certified mail requesting the above information for debt validation. Once again Convergent Outsourcing sent XXXX billing statements.No copies of contract agreement, proof of payment history, etc. I sent a 3rd letter on XX/XX/2019 by certified mail stating that this does not meet the Federal Trade Commission XXXX of what constitutes proper debt validation. I received no response and Convergent Outsourcing is still reporting to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In a nutshell, this credit building repair states that the will report to all three CBR when you sign up with them. It is not a loan, rather, they pull draws from your personal checking account for a period of 24 months, they claim they only take {$9.00} administrative fee, the money is held on an authorized bank account and is released after 24 months. what they don't say, they charge finance charge on your own money? Please see screenshot attached were they list they terms and conditions, not disclosed anywhere, or barely emphasized on that particular screen. Furthermore, when you cease they sign up process, you are bombarded with " customer reviews '' to encourage signing up.
Product: Debt collection

I received a phone call from XXXX after XXXX XXXX  on XX/XX/XXXX, not on my personal phone but my work phone. A lady asked if I was said name, XXXX XXXX, speaking, I said yes. She directed me to call this number on a case pertaining to myself. I asked from whom. She would not tell me. I asked again who am I dealing with. She never said her name and just stated that it was from XXXX XXXX. She then wanted to find out if I was going to be home. I said no, that I am leaving for work. She became upset and stated that we are about to serve you pertaining to this case so someone has to be there. I said well, I will be here this afternoon. Still in disbelief and no clue what this is about. She raised her voice and said that there is a lien on your house once served. She gave this number to call, XXXX. A male answered with no representation of who or where he was calling from. Questioned if I was XXXX XXXX, I said yes, and he said you are about to be served. I asked the male well who is. He said GM Financial. I told him that I have never dealt with GM financial. He stated that if this is not settled that it will be placed on my credit report. I said, I'm looking at my report through XXXX XXXX and i don't have any or have had that company much less associated with GM financial. He also stated that back in XXXX, they had sent paperwork. I said well if you sent it, we didn't get them. And what does that mean to you. I kept repeating myself. I have never dealt with any GM Financial. Which is funny cause we only have one car and it's through a different company. These individuals have violated all aspects of trying to use scare tactics and threatening to serve or sue. I don't appreciate someone calling my work phone and say what you will. By the way, the male individual hung up on me. That goes to show you how unprofessional and ignorant they are especially if they work for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2019 I was referred by XXXX XXXX Court House to contact G.C. Services to pay a ticket/violation ( ticket # XXXX ) that was outstanding to renew and release my California Drivers License. I contacted G.C Services same day XX/XX/2019 provided them the XXXX XXXX Court House information and the ticket number. I also pointed out to G.C. Services that the payment process and turn time was essential for my new employment ( identification, fingerprinting, I-9, etc. ) at that point the Agent brought in a Manger who indicated they would definitely process and notify DMV within 3-business days. 

To date XX/XX/2019 G.C. Services has not notified XXXX XXXX Court House that I have paid the ticket and therefore DMV has not been notified to release my drivers license. The employer I was to began work on XX/XX/2019 pending the completion of my identification, fingerprint, and I-9, has given me a deadline to provide this information. 

I have called G.C. Services over 15 times in the past 2-weeks and they have failed to respond or provide the XXXX XXXX Court with the documentation required by DMV. 

On XX/XX/2019 I called G.C. Services to file a complaint with their management. At that time G.C. Services Agent indicated that they made a mistake and applied my payment of {$260.00} to the wrong account. The Agent also told me I must wait until sr. management review my account. This is unacceptable! this has caused and impacted my employment and creating significant financial hardship. 

I have attached the document ( s ) provided to me by XXXX XXXX Court House to provide to G.C. Services that identifies the XXXX XXXX court and the Ticket # of the citation for me to pay. This information I provided to G.C. Services verbatim.
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 ( 5 ), 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 : XXXXXXXX XXXX XXXXXXXX Account Number XXXX. 

Account Name : XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on all 3 credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} ( which I paid ) and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all 3 bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of XXXX.
Product: Checking or savings account

I have an ongoing bank encounter with Capital One Customer Protection dept and do not feel i was treated & served properly and that the bank has discriminated against me & has violated my consumer protection laws As A Capital one customer I did not request my savings account to be closed however on the check mailed out to me for XXXX XXXX in the invoice description it says Customer Request Close Out in which I did not and have not requested Capital one informed me that they decided to close it they made the decision and now are intentionally holding my checking funds also
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/2021, I leased a XXXX XXXX. At the dealership, we set up an agreement to receive a paper bill mailed to our address. However, the bills were never received due to Covid-19 related delays in the postage system most likely but the reason is ultimately unknown. I visited the dealership in person to figure out the issue. There were no address issues on the account that could have caused the delay. After leaving the dealership, I was able to set up an auto-payment system with the account number that the dealership provided. After the first payment, a credit report from experian.com revealed that my score dropped significantly ( from XXXX to XXXX ) because of XXXX late payment. We are leasing the XXXX XXXX for a a long time and there has never been a delayed payment on my end and I always adhered to all deadlines and rules. I contacted the XXXX XXXX  costumer services, the case # XXXX for account # XXXX was open on XX/XX/2021 based om my complain. Please assist in any way you can to rectify the issue and have my credit score reflect appropriately.
Product: Prepaid card

{$300.00} cash load was made to my XXXX card on XXXX/XXXX/15 through XXXX. The money was never credited to my account even though money gram shows it as having been received. Rush card customer service is non-existent. I have called and been hung up on repeatedly. I have emailed, private messaged on XXXX and twitter ( per XXXX XXXX request ) and have not been contacted in response. I have copies of all the receipts and proof that the money was paid and should have been loaded to my card immediately, but no one will help me
Product: Checking or savings account

XX/XX/2022 - XXXXXXXX XXXX PDT : I got 3 different emails from a Chime ( Also called XXXX XXXX ) claiming that my account was closed due to me being reported as deceased. This is probably in reference to Social Security accidentally claiming me as deceased back in XXXX. The issue was fixed and nothing has come up since then. So I was confused by the fact I was XXXX as deceased. Today, on XX/XX/2022, I contacted Social Security about the issue. They informed me that I am indeed not marked as deceased and I am continuing payment from XXXX. 

XX/XX/2022 - XXXX XXXX  : I contacted Chime bank about this issue. I explained that Im not deceased and have a letter stating so. I told social security what form/letter they needed to reinstate me and they said they have no clue what that is. So Im fearing they are lying to me. They even refuse to pay out what little money I have left in my account. Its government money and social security informed me that they are not allowed to withhold my funding. 

Due to this, I had to change banks, but there is a lot of damage done. I wont get my money in time to pay bills, Im having constant anxiety attacks and XXXX, I have a XXXX XXXX next week so Im scared. Im at risk of becoming XXXX due to this. Im looking to seek legal action for the XXXX XXXX  and the withholding of money, as well as the fact they are putting me and my family at risk of XXXX. They never even attempted to contact me before this. 

I just want XXXX and this to be fixed.
Product: Debt collection

I C Systems placed a {$450.00} debt that was from XXXX XX/XX/2010 - XX/XX/2010 on my credit report. I had no knowledge of this bill until I received an alert from XXXX credit monitoring service that I even owed this balance. 

I called I C Systems today and was then told about the debt. They claimed to have sent notice of collections to a previous post office box that I had in Arizona. However, ALL of the information on my credit report is correct. Therefore, if they wanted to contact me about this, my current address is listed on all XXXX bureaus. They could 've also called me, because my current phone number is on all three reports as well. 

Instead of conducting business the correct way, they went ahead and placed this on my report without properly contacting me and giving me a chance to dispute this. This is unacceptable. My score has dropped XXXX points because of this. 

Furthermore, the statute of limitations is up for this debt. And they are still trying to collect anyway KNOWING that the statute of limitations is 7 years for this type of debt. Just pitiful. 

I have sent I C Systems an email letting them know that I am reporting them to the CFPB. Had I not seen this on my credit report, it would 've SAT there. I 've worked entirely TOOOOOOO hard to restore my credit and will continue to work to keep it secure. 

I have a severe disgust for companies that do things like this and I would like immediate action taken to not only have this DELETED from my credit reports, but this company needs to be fined. Cause if they 're doing this to me, they 're doing it to other people.
Product: Credit card

was in Kohl 's Store in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ] on the XX/XX/XXXX or XX/XX/XXXX when I could not charge the merchandise wanted to purchase because I was over the credit limit. My XXXX Kohl 's statement shows I made a payment of {$250.00} on XX/XX/XXXX. It also shows I purchased {$410.00} the same date XX/XX/XXXX. Impossible-I was in the XXXX XXXX  in Pennsylvania. I made the payment on my Debit Card from my hotel room. I wasn't anywhere near the state of Maryland that day, so how could I charge {$410.00} on the same day? The store XXXX took my 'cash ' and it paid off the entire balance on one of the two XXXX dates above. Something is very wrong with this account. I need it investigated from XXXX with everyday looked at. If it shows " NO {$700.00} CASH PAYMENT '' on the account then your store XXXX, who already admitted to me in front of two Kohl 's employee 's on XX/XX/XXXX that he took my cash and applied it to my account. If he did what he admitted too-where 's my money and why was it never applied to the account. The store XXXX went in the office behind customer service that evening to find where I had paid " cash '' on my account. After waiting for an answer for over an hour he promised he would call me that coming Monday. After waiting for over XXXX weeks I again went back to the store and a XXXX XXXX XXXX  said he would find it and would also call me. NO CALL EVER CAME! Went back to the store and had a management group assembled at customer service desk and told them all " I SMELL A XXXX  '' because no one at Kohl 's can find this transaction. Someone has my money at XXXX!!! {$700.00} just didn't get up and walk out of the store-OR DID IT????
Product: Checking or savings account

we have this account for more than 1 year but try use my card and decline when talk to agent in the bank told me the bank has that right to close the account any time and dont get me any reason
Product: Mortgage

Citibank refuse to provide invoice/receipt for Mortgage service XX/XX/2020. Citibank agent XXXX XXXX ( XXXX ) processed my Citi bank mortgage application and charged me {$750.00}. I think it is reasonable that the application fee is unrefundable. But XXXX XXXX refused to provide me a receipt or invoice for the application fee. 

In her email : Hi, I was told that there is no invoice for application fee : this is all we have. 

Credit Card Launched {$750.00} Your credit card transaction was successfully authorized at XX/XX/2020 XXXX CDT. 

Authorization # XXXX Thank you, XXXX XXXX Dedicated Lending Associate Assistant to XXXX XXXX Citibank , N.A . 
Direct Number : 4XXXX XXXX NMLS Identifier : XXXX Documents can be sent via email or fax please include last 6 digits of loan number. 
For e-mail send to : XXXX For Fax : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report and this is not my account this does not belong to me I have not applied used or know what this is for I dont own anything like this nor have I!!! I need this taken care of ASAP. 

XXXX XXXX - ACCT # XXXX XXXX {$0.00}
Product: Debt collection

keep getting automated message from company out of Massachusetts syaying that I need to contact on a time sensative matter or legal matters will be taken. I get about XXXX " companies '' calling me every month claiming this exact same threat.