23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On Saturday XX/XX/XXXX I went to XXXX at XXXX XXXX XXXX, XXXX, XXXX to send my brother in XXXX money through Western Union. I sent {$1000.00} in cash they charged me {$86.00} fee for an Immediate transfer, so the money would be available to my brother immediately. My brother went to pick up the money in XXXX with the transaction number that I provided him with and his picture XXXX driver 's license. He was told that " the money was on hold '' to come back at a later time. He went back with his US passport as ID and was told that the money was still on hold. On Sunday XXXX/XXXX/2015 he called me to inform me of this problem and I went to The Stop and Shop that I had originally sent the money from and was told that they " had nothing to do with it '' that I had to call Western Union. I called Western Union and spoke to XXXX different representatives they kept on reciting some verbage about government sanctions and I asked to please tell me what the problem was. All the lady, XXXX told me was have your brother Fax or email a picture ID to us and " our legal department will notify you. I explained to her that this money I had sent so that my brother could have quick access for the care of my dad who is XXXX years old and has XXXX and lives alone in XXXX, XXXX. She told me that Western Union would contact me. My brother emailed Western Union right away a copy of his US Passport on Sunday " XXXX '' I waited and waited an heard nothing from Western Union. Today I called their customer service number and was told that they had not received any emails from my brother. I asked my brother to please send me the email which he did right away and I emailed it to them I also faxed it to make sure they receive. Again I asked Western Union when could I expect to get my {$1000.00} back plus the fee of {$86.00} since they had failed their fiduciary responsibility to the paying customer of make the transaction as agreed. A few minutes ago I receive a short email from Western Union reading that this case had been escalated to higher department and that they would notify me when the " investigation '' is completed. No time frame when the money would be return to me. To say the least I am very upset about this issue. I am a XXXX XXXX with the highest credentials and clearance working for the XXXX and a law abiding citizen and for this company to hold my hard earned money which my dad needs is inexcusable. I feel that Western Union has racially profiled my brother and I and this not acceptable. We were born in XXXX and have resided in the US since XX/XX/XXXX and are American citizens we are being treated as criminals by Western Union and that is very frustrating. 
I want this embarrasing incident to be put behind us and I want justice for my brother and I. I also want my money to be returned to me by Western Union as soon as possible. 
Thank you for taking the time to read this complaint. 
Respectfully submitted, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXcell number XXXXhome number XXXX
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Rule 46. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made. 

We have considered all of defendants ' arguments in support of the dismissal and have found them to be without merit. The judgment of the district court is vacated, and the matter is remanded for further proceedings not inconsistent with this opinion. 

Costs are awarded to plaintiff against those defendants who have been served. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) 18 U.S. Code 2071 - Concealment, removal, or mutilation generally ( a ) Whoever willfully and unlawfully conceals, removes, mutilates, obliterates, or destroys, or attempts to do so, or, with intent to do so takes and carries away any record, proceeding, map, book, paper, document, or other thing, filed or deposited with any clerk or officer of any court of the United States, or in any public office, or with any judicial or public officer of the United States, shall be fined under this title or imprisoned not more than three years, or both. 
( b ) Whoever, having the custody of any such record, proceeding, map, book, document, paper, or other thing, willfully and unlawfully conceals, removes, mutilates, obliterates, falsifies, or destroys the same, shall be fined under this title or imprisoned not more than three years, or both ; and shall forfeit his office and be disqualified from holding any office under the United States. As used in this subsection, the term office does not include the office held by any person as a retired XXXX of the Armed Forces of the United States. 
( XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. )
Product: Credit reporting

My XXXX Account was transferred to a new owner of a business I sold in XX/XX/XXXX. She notified XXXX of the change in ownership and submitted the necessary paperwork to take responsibility for the account when the account was in good standing. She later ( in XX/XX/XXXX ) declared bankruptcy and had a negative balance on the account, and XXXX is pursuing me to get the negative balance of $ XXXX repaid rather than pursuing her in bankruptcy court. I have provided documentation on the business sale, a tax form from XXXX which does not indicate any connection to me or my social security number ( I have no relationship to XXXX ), the letter I sent to the collection agency and XXXX, and an email from the actual owner taking full responsibility for the account and stating that she transmitted all necessary documentation to XXXX to transfer the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have working with a consumer law person to repair my credit. I requested my consumer report from XXXX. Upon receiving it I reviewed it and discovered an error. The account with One Main shows that the account was paid in full/charge off. I noticed some discrepancies while reviewing other reports. According to USC 1681E ( b ) if the information is not accurate across all the reporting agencies it needs to be removed.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District Heights XXXX MD XXXX To whom it XXXX concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer XXXX have inadvertently given you written, unwritten, verbal and non-verbal, per XXXX XXXX XXXX. 

Per XXXX CFR XXXX, states that, A consumer XXXX exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, XXXX and Experian. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Capital one is blocking XXXX and XXXX app ( which I pay monthly for ) from pulling money from my accounts in an effort to save and pay off debt
Product: Checking or savings account

On XX/XX/XXXX someone made thre seperate transactions in three different gas stations in the city of XXXX XXXX around XXXX in the morning. I have only ONE debit card to my name and I was getting out of work during this time. I also received an alert from the bank asking if I had made those transactions because they looked fraudulent and I texted back that it was not me so they closed my debit card. The three seperate transactions were each for XXXX totaling XXXX. My card was initially credited but then the money was taken back out because my PIN number had been used. I explained that I had obviously been the victim of card skimming and according to Chase Bank card skimming does NOT EXIST. On XX/XX/XXXX I faxed evidence of where I was on the date in question verifying that I had not made those transactions. According to Chase someone had my card and knew my PIN so there was nothing I could do. I am the only one with access to my card and there is only ONE card. I requested for them to get footage of the date of the transactions and they said they don't do that. I want my hard earned XXXX dollars back. Can you please advise as to what I can do and how do I get Chase to give me my money that was taken by a thief.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following errors on my credit report ive noticed several inquiries on my credit report that I did not authorize. please investigate the following inquires which are affecting my credit score and standing. the following are : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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: Debt collection

This company called me on the company work landline phone, during work hours when there were customers on the sales floor, demanding I let them speak to my supervisor so that he could garnish my wages, without a judgement. He was rude and I felt bullied by him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report via transunion and noticed there were four inquiries on my account..however when I called the companies that inquired they stated credit was not pulled. I then learned that transunion had an inquiry issue that involved re-reporting of old inquiries. I believe that I am a victim of this inquiry issue. I called transunion but they refused to do anything about it. I am requesting these four inquiries be deleted from transunion as re reporting something already deleted without a notice of is a violation. And these inquiries are not accurate
Product: Money transfer, virtual currency, or money service

I've tried to do international money transfer using " https : //www.riamoneytransfer.com/ ''. I've used my XXXX XXXX savings account as source for the payments. In order to verify my account through ACH process, Ria was supposed to post 2 small deposits smaller than {$1.00} and 2 debits for the same amount.

Due to some technical.software issue Ria posted 6 credits and 6 debits on my account for verification. These excess no. of transactions triggered the fees on my savings accounts. Ria posted 8 excessive transaction than required and my bank  charged me 6 times the fee of {$9.00}, totaling {$54.00}. 

I've reached my bank first if they can waive these charges but of no help. 

I've reached Ria more than 5 times so far starting from XX/XX/2019 and I was told they are looking into the issue and I'll get credit in 2-3 business days. I'm hearing the same response for the last 45 days. So I'm complaining here.
Product: Bank account or service

Re : Citizens Bank, XXXX XXXX, Ct. 
Acct # XXXX, XXXX XXXX XXXX of XXXX XXXX XXXXI have multiple personal and business accounts with Citizens Bank and have been repeatedly told that because of the total large amount of money I have on deposit none of my accounts will be charged a service fee. On FOUR separate occasions I have discovered that for months Citizens has been charging some of my accounts a service fee. Each time I talk to and email my representatives asking for the fees to be reversed, for a written letter apologizing and explaning what happened, and for a written assurance it will not happen again. The first three times the fees were reversed but I never got so much as a phone call, let alone the written documentation I requested. Today I discovered that CitizensBank again has charged the above acccount a {$25.00} service fee on XXXX, XXXX, and XXXX/XXXX/15. I am not sure if they have charged my other accounts or my wife 's accounts on other dates.
Product: Credit card or prepaid card

Barclays Arrival World Mastercard Promotional Balance Transfer 0 % until XXXX. I am not able to pay off the promotional balance transfer by XXXX because Barclays will only apply my payment to another promotional balance transfer with 2.99 % and a higher balance which will expire on XXXX. I explained that I want to pay off the balance transfer that expires on XXXX so that I don't have to pay interest. They will not make any effort to apply my payment to the one that is expiring in XX/XX/2023. When this balance transfer expires on XXXX I will be charged estimated interest of XXXX to XXXX and the interest rate will then be 29.99 %. I spoke to a manager and they have NO WAY of re-applying my payment to the expiring balance transfer. This is a bait and switch situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$400.00}
Product: Debt collection

I pulled my credit report and saw that I have an account on my credit file from Enhanced Recovery Company account number is # XXXX with the amount of {$420.00}. I asked this company to send me VALIDATION that this account belongs to me and they sent me VERIFY I didn't ask for. I would like for this account to be DELETED from my credit file for this debt doesn't belong to me.
Product: Debt collection

On XX/XX/2020 I received an alert on my phone from the My Fico app informing me that a collection has been added to my XXXX  and XXXX  account from Progressive Management Systems. I never got a phone call or documentation in the mail from this collection Agency. I mailed them a certified letter on XX/XX/2020 advising them that I never received a phone call or any documentation from them regarding this alleged debt. It has been well over 30 days and I still have not gotten a response from them. The debt was removed from my XXXX  credit report but the debt is still listed on my XXXX. The debt was paid to the original creditor and I was told by them that they could see that Progressive Management did in fact not attempt to notify me of this allege debt and that they would request them to remove this collection off my report because the debt has been paid in full. Progressive Management does not have the right to report allege debt without notifying the person they claim has this debt.
Product: Debt collection

I have repeatedly reached out to Jefferson Captial systems regarding a collection ( debt ) listed on my credit report for {$1100.00}. Jefferson Captial Systems can not validate that I directly owe them a debt. The original creditor is XXXX XXXX & by law if you are not the original creditor you can not collect a debt that it not solely owed to you. XXXX XXXX has received their funds. I would like this company to remove the negative, enormous information fron my credit report.
Product: Prepaid card

I received the card on the XXXX for XXXX. I then check the balance on the XXXX and see that there has been a purchase at XXXX  XXXX which is located in California and the purchase was made on the XXXX of XXXX. I sent a dispute case and they dont tell you where they are at and when I call they kind of dodge the answers Im looking for. From a quick glance at this case it would seem pretty obvious that I did not make that purchase in California.
Product: Mortgage

Original Mortgage company is NATIONSTAR, ( XXXX, TX XXXX ). Mortgage rate of 30 year term beginning in XX/XX/2006 was 7.0 %. We applied for and received a home equity loan from XXXX at a significantly lower interest rate to pay off the original mortgage. The request for the payoff amount was made by us to NATIONSTAR by telephone conversation. This payoff amount was not detailed by telephone but mailed to us several days later. We closed on the loan on XX/XX/XXXX and a cashier 's check was mailed overnight by XXXX to the address that Nationstar provided. 
A mortgage statement arrived by mail on XX/XX/XXXX detailing a delinquent payment for XX/XX/XXXX, penalty charges and due XX/XX/XXXX payment. A phone conversation with Nationstar on XX/XX/XXXX ultimately revealed that they did receive a check but had not processed it because it was not in the appropriate amount of the payoff. 
When asked about any attempts to contact us in the interim, their reply was unintelligible to us. During this period we had noticed a definite stepped-up bombardment of invitations to refinance with them by email, US mail and special delivery. No successful contact was made until the mortgage statement. 
We paid the penalty and the XX/XX/XXXX mortgage payment while we tried to ascertain the disposition of the cashier 's check. Nationstar claims to have returned it to the XXXX. 
Alas, we 've been sent an image of the cashier 's check that WAS presented for payment by Nationstar. Nationstar processed our check for XXXX XXXX dollars on XX/XX/XXXX and our account has yet to be credited!
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to Experian and XXXX on XX/XX/2024 here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than XX/XX/XXXX days, Experian still haven't responded to my letter. That a violation of XXXX XXXX XXXXXX/XX/XXXXSubject to subsection XX/XX/XXXX and except as provided in subsection XX/XX/XXXX, 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Delete this account Because of Violation Under XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.