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

Dear XXXX, On XX/XX/2021, I had my bank, First National Bank of Omaha located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX to send a international wire transfer to my sister XXXX XXXX XXXX  XXXX in XXXX, XXXX in the sum of {$1000.00} ( XXXX XXXX dollars ), I paid my bank a wire fee in the amount of {$25.00}, which I have no problem with that {$25.00} fee. 

However, the funds were never delivered to my sister for some odd reason my bank say with the XXXX code, but when my bank, First National Bank of Omaha put the funds back into my account, it was only in the amount of {$880.00}, which is {$110.00} less than my original amount of {$10000.00}. When I complained to my bank representative and to the president of my bank, they refused to refund me my full {$1000.00} claiming that XXXX had someway taken the missing {$110.00}, which I think is Unfair, since the funds was Never delivered to my XXXX  bank in XXXX, XXXX, so no service was rendered to me to account for my missing {$110.00}.
Product: Debt collection

In XXXX or XXXX of 2020. a fraudulent charge. was made on my PayPal account. My bank stopped credit card charge do to charge being out of state purchase. PayPal then tried to go in my bank account directly, but charge was still denied. So the debit left with PayPal. I tried to contact them through their website, but it was like a house of mirrors. Non of their options on their web page lead to a customer service rep. PayPal sold their debt of {$530.00} to XXXX XXXX XXXX. They did call last week and I talked to one of their representatives ( XXXX ). I explained the situation, but he didn't want to hear that it was a fraudulent charge that PayPal let go through, even though my bank denied charge due to fraud, He asked me if I made a police report. My response was no, I did not know you could do that. I am receiving notices through the mail that I own them {$530.00} for a charge I did not make. How can these be resolved? Please advise me what I need to do. I don't feel like I should pay a fraudulent charge do to PayPal 's poor protection of their customers monies. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX. Inquiries-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 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 card or prepaid card

I saw an article that Donald Trump proclaimed this week as National Consumer Protection Week so I decided to check my credit. I currently have a Capital One card that I opened in XX/XX/XXXX and is in good standing with no late payments. I noticed another account that I previously had was marked past due with the following late payments : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I had thought I made my payments on time and didn't realize I was ever late.
Product: Debt collection

I asked for proof that they owned the debt. And that the debt was mine.
Product: Mortgage

Today XX/XX/14 I applied online for a refinance and received this response : LET 'S GET YOU APPROVED Congratulations! 
You're Approved Eligible* Powered by XXXX XXXX, it was that easy. 
Property : Your property has been approved. No appraisal needed. 

Now, Let 's get you fully approved! 
We'll call you shortly to review the loan and get you fully approved. 
We will be calling you from XXXX *Based on the information we have obtained so far and subject to verification of information as required by underwriting guidelines. 

footer logo AmeriSave Mortgage Corporation, XXXX ID # XXXX, ( www.nmlsconsumeraccess.org ) ; Corporate Office : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX, GA XXXX. Additional disclosures and licensing information may be found by clicking here on this " Disclosures & Licensing '' link. For questions regarding state licensing, please contact ( XXXX XXXX XXXX. Not all products and options are available in all states. Terms are subject to change without notice. Some people portrayed are professional models. 

However, when I talked on the phone with an agent at XXXX the woman said there would be an appraisal fee and she hung up.
Product: Vehicle loan or lease

I was attempting to refinance my truck through RateGenius.io a financial website for these types of matters. The representative called my several times, and was unable to make a competitive offer that would be better than my current interest rate. After a few days the representative ( XXXX XXXX ) called again and offered a much better interest rate, upon reviewing the documents and going to sign the paper work, I found that he had lied about the rate. His sales tactics were deceptive and I questioned him on various numbers and he was vague and unclear. 

The rate of my current loan, is 3.65 % XXXX has stated he found me a loan for 2.79 % upon reviewing the documents, the loan was 3.49 %. When I asked XXXX about this, he said that the loan was good and the final rate was just " after they do all their stuff ''. Unknown what that actually means, but he was unable to clarify, and it was clear to me he was being deceptive.
Product: Credit card

I am submitting this complaint to dispute inaccurate information reported by Citicards on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). The account in question, with an open date of XX/XX/year>, is being reported inconsistently across credit bureaus, resulting in harm to my creditworthiness. 
Specifically : My XXXX credit report shows this account with a current payment status and on-time payment history, but it is incorrectly marked as derogatory. 
My XXXX credit report reflects a current payment status but includes an inaccurate payment history. 
My XXXX credit report shows no data from the payment history These discrepancies indicate that Citicards is furnishing incorrect or unverifiable data to the credit bureaus. Under FCRA 1681s-2 ( b ), Citicards is required to investigate disputes and ensure the accuracy of reported information. The conflicting reports suggest a failure to comply with this obligation, causing me financial hardship and emotional distres
Product: Vehicle loan or lease

Purchased car on XX/XX/2019 and was required to obtain financing with TD AUTO FINANCE. 

According to my XXXX Personal Credit Report, TD AUTO FINANCE performed an inquiry on my account on XX/XX/2019. 

Today, XX/XX/2019, I received notice from TD AUTO FINANCE my financing application was denied, as TB AUTO FINANCE was " unable to verify applicant information identity. '' TD AUTO FINANCE, however, was able to verify my identity in the above-referenced credit report and, in fact, the denial states TD AUTO FINANCE was able to verify my credit score on XX/XX/2019.
Product: Mortgage

in XXXX OF XXXX started looking for a building to put my life long dream of opening my own XXXX XXXX  my loan officer was XXXX XXXX worked very hard an on to get my loan closed after a lot of hard work my SBA ; loan was approved by XXXX XXXX on XX/XX/XXXX from us BANK. XXXX XXXX XXXX  Left the bank in early XXXX That 's when my troubles stared the building I was sold for cash. I had to restart the loan with SBA XXXX XXXX XXXX stated dragging his feet every time I give him paper work he all would ask for more ask for more he lie so many times I lost count : after working with him to close my loan : he came to my home sat at my table to go over my last loan papers he sad they ready to close : we had been working on them for about six months after all the late nights long hours he stated you ready but you just one more form to fill out ; two days later he called Stated we have some bad news back in XXXX you filed chapter XXXX but just write a letter tell them just what happen : he called the next day stated that they will not closing on my loan!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies- XXXX/Transunion/XXXX. Account. Public Record. Since XX/XX/2009 These companies are reporting this Bankruptcy on my Credit report and have no proof of reinvestigating my dispute and on top of that saying that the Bankruptcy courts are reporting to the 3 major bureaus which they Do Not. Please reinvestigate these 3 Bureaus very thoroughly to make sure they are investigating properly and sending out actual facts instead of going by a 3rd party company that sends out inaccurate information. Please remove this negative item from my credit report as soon as possible. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts and did not give consent to furnish any of these accounts on my consumer report. Due to the XXXX  data breach/ identity theft. 
According to 15 USC 1681B ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. 
- I have not given the consumer report agency Permissible purposes or written consent to furnish these fraudulent accounts on my report. They are in violation and civilly liable All are being investigated by FTC According to FCRA 605B. This information must be blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion report . This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Product: Student loan

In XXXX ACS took out FOUR payments at once & I need my money back, I don't need to be ahead until XXXX. Loan sold to XXXX & their # is disconnected! I literally have no clue if Conduent is my servicer because I can't reach anyone & no one is sending me bills because I'm paid ahead. Please help! 

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

I have several collection accounts with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.
Product: Money transfer, virtual currency, or money service

paypal unauthorized usage of my debit card / checking/savings account by paypal. I have not authorized pay pal to remove {$150.00} from my account and they have used my debit card for other transactions I have not authorized them to make. I made a paypal payment via paypal withdrawing funds from my XXXX account, I was given an email address, when I realized it was the incorrect, i called paypal immediately to stop the payment from being issued, the customer representative told me they couldnt do anything I would have to get the monies through XXXX because paypal NO LONGER PROTECT PAYMENTS or monies used from another account FROM FRAUD. I explained this was new to me and that was the first time I was made aware of this. I insisted the payment was only issued moments ago, why cant they stopped the payment. She insisted she couldnt help me or do anything about it. and I would have to contact XXXX, which I did. XXXX back placed a stop payment on the transaction. and rejected the payment. Paypal them access another account I had to pay balances and removed funds without my knowledge. I only saw this today when I attempt to contact Paypal about the issue with XXXX and noticed that they had removed funds from my XXXX savings and checking account, I DID NOT AUTHORIZED OR MADE ANY PAYMENTS TRANSFER REQUEST FROM MY XXXX XXXX I AM REQUESTING THAT PAYPAL RESTORE MY XXXX FUNDS THEY REMOVED OF {$150.00}
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/XXXX and 30 days late as of XX/XX/XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/24 I missed my loan payment. They proceeded to take the payment out of my moms bank account that was not authorized on my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2020 I noticed that my credit report showed 2 missed payments on my credit report from XXXX, XX/XX/2020. I filed a dispute with XXXX and XXXX in XXXX. I received a letter about a month later saying that the information was accurate. At that time I filed another dispute. I have never missed any payments or paid late. In XXXX I also reached out to CITIZENS SAVINGS AND LOAN XXXX TN and requested them fix the problem. They claimed they never reported that error on my credit. In XXXX, I received another letter from the credit company saying my dispute was closed and reported as accurate. So in XXXX, I filed a complaint with the XXXX XXXX ( XXXX ) I received a letter back from the corporate office saying that that had force placed insurance on my account because they did not receive proof of insurance but that once they received proof of insurance they credit back my account and that was where the problem occured. She said this issue had been corrected and a correction form was sent the creditors. So I went in and looked and indeed it was corrected. But 2 weeks later, by XX/XX/XXXX, It was now showing 3 months missed payments! So I contacted the corporate office directly and she denied any wrong doing and said she would resubmit the correction. A week later, by the second week in XXXX. My credit was fixed again. UNTIL FIRST WEEK OF XXXX. NOW IT IS BACK ON THERE AGAIN!! 3 MISSED PAYMENTS. No one is doing anything to fix this. It has been detrimental to our credit and prevented us from buying a house or ANYTHING! I have been fighting this for four months!
Product: Checking or savings account

The bank could not provide any proof of mailing nor proof of delivery for my XXXX IRA distribution check, which has gone missing. A second issue pertains to undelivered mail. According to the bank, they have alleged that 16 pieces of USPS mail sent to me was returned to the bank since XX/XX/XXXX. I discussed this with my USPS Postmaster, who found this to be questionable. He requested a letter from the bank stating this mail had been returned since the Bank has my correct mailing address. I made this request to the Bank over one month ago. The Bank promised a letter would be sent to me for the Postmasters review. When the letter was not received after one month, I contacted the Bank to notify that I had not received the letter as promised. During that telephone conversation, I was told that the letter had not been sent out, and that the Bank was refusing to put the information regarding the returned mail in writing. This leaves me in a predicament, as the USPS is unable to ascertain whether mail is actually being returned to the Bank or if this was merely a fabrication on the part of the Banking representative Id spoken with. In addition, I am still awaiting my XXXX check which was allegedly mailed to me on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$170.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$170.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry - XXXX XXXX XXXX XX/XX/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 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 or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXXXXXX
Product: Student loan

I notified Navient that I was in the process of filing a chapter XXXX bankruptcy in XX/XX/XXXX. They were fully aware of my hardship and purportedly initiated a forbearance on my account. My Bankruptcy was filed in XX/XX/XXXXand discharged in XX/XX/XXXX. Navient continued to mark me late through the bankruptcy period. What is the purpose of a bankruptcy when a company like Navient can destroy your credit worthiness regardless of your bankruptcy protection. Its absolutely amazing that a homeowner can file bankruptcy and have his XXXX XXXX dollar home foreclosed upon, the government eats half that loan in a hypothetical situation and that homeowner goes on to buy a new home in two years. With FEDERAL school loans your are held XXXX for the rest of your life. Make no mistake about it the fed gives Navient their power! It's my understanding 1 in 4 or approximately 11 million " students '' loans are in default. What does our government think is going to happen to those 11 million people in default. Probably won't be able to rebuild their lives, get a job if their credit score plays a role and may very well become the responsibility of the state in one way or another. Should I go seek the local loan shark and get these people out of my life?
Product: Credit reporting or other personal consumer reports

I was denied opening an account based on information on a ChexSystems report. There is an abundance of fraudulent and incorrect information on this report. I contacted this company by phone to find out this company is located over seas in XXXX. I tried my best to dispute this report online and the website used to dispute asked for social security numbers, address, drivers lic, and personal information that I am not comfortable with providing on a website that seems very shady and then the individual over the phone is from XXXX. I have no way of disputing this report. I have put fraud warnings and freezes on all 3 credit bureaus with no problem, however I can NOT do so with ChexSystems without providing personal information by phone with a company over seas. 

I asked this individual I spoke with in XXXX to provide me with a US number and I was told that is not an available option. I was informed again, that I can provide my personal information and he would have a US rep contact me. 

This is absolutely unacceptable and should not be allowed to do business in the manner. 
XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  are 3 of the credit unions that use this company and deny you given the information of such company.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$280.00} XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Americollect continuously harasses me with collection letters after they accepted to bill and be paid by the US Federal Veterans Medical Program for emergency services I received at a non-VA facility. Per US Federal Law any entity willing and accepting VA Medical payment does so in full and can not bill the veteran any balance or even attempt to contact the veteran and doing so is in violation of the contractual agreement and the law. Not only have I been harassed with phone calls and letters but Americollect refuses to follow the contact and law and has placed numerous balances that I am not to be billed on my credit.
Product: Payday loan, title loan, or personal loan

I applied for a line of credit in XXXX XXXXwith Koalafi  formerly West Creek.I was denied credit, however they're refusing to return the {$40.00} fee which was debited from my checking account on XXXX want the funds returned because they were unable to provide services.