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

WESTERN UNION REFUNDED MY MONEY TO A STRANGERS ACCOUNT I have been trying to resolve this problem for years. I used Western Union in XX/XX/2014 to send {$2900.00} plus a {$25.00} fee from my checking account on their website. There were issues picking up the transfer and after months of back and forth I was told the money had been refunded. I then spent a year trying to find out who it was refunded to because I never received it. After a year I told it was deposited to a checking account I had never heard of, completely different from where they received the wire transfer from. checking account at a different bank with a different account number and of some unknown person. WU then claimed they considered the issue resolved because it was refunded. That it was not refunded to the original sender was not their concern. I was told to work it out with the bank but understandably they were less than helpful since I DO NOT BANK WITH THEM AND THE ACCOUNT THE MONEY WAS SENT TO IS NOT MINE. I have gone back and forth for years on this issue with ZERO results. I keep expecting the someone will catch the error and correct it and send me a check or to find it on the unclaimed assets website of my state but nothing. This is a lot of money to me. Although I lose faith and drop it for a while I just can't believe that an institution like this can be so reckless and negligent that they don't have safeguards in place to keep something as simple as refunding the correct accounts in place.
Product: Credit card or prepaid card

XXXX XXXX - Attempted to utilize XXXX XXXX XXXX XXXX to buy an {$200.00} XXXX XXXX Card ( Order # XXXX ). The order was cancelled by XXXX. 
I reviewed the gift card balance to see the return of the {$200.00} to the gift card balance, but was returned to the card. XXXX confirmed that they never accepted any payment as the order was cancelled. XXXX XXXX XXXX, I contact BHN Customer Service to dispute this occurrence and was contacted to say they they need formal request to pursue further. I completed their investigation form and provided on XXXX XXXX. In late XXXX, i received notification that they were unable to resolve my dispute and said the issue is with the merchant.
Product: Credit card or prepaid card

Predatory Lending Practices : I called Comenity, Ann Taylor Mastercard ( XXXX ) and attempted to establish automatic payments. The website only allows customers to set up one-time payments. In the past I had established automatic payments by calling. I was told today, by two separate representatives, that the website is the only way to set up payments. I informed each rep that the website does not allow automatic payment setup. They claimed it was a glitch to which I responded that the website has never offered automatic payments and last time I wanted them I had to call, which was last year. The reps claimed there was nothing they could do. I requested to speak with a manager to no avail. 

This is a predatory lending practice ; to deny automatic payments in the hopes that customers will miss payments and the company will collect fees. In addition to denying basic services, the service reps were disingenuous as they insisted that automatic payments could be set up online. I cancelled my account with this bank.
Product: Mortgage

Debtor filed for bankruptcy and requested referral to the XXXX program. This program gives the borrower a chance to modify his/her mortgage loans while in XXXX. Although the borrower submitted the complete package to Seterus, it refused to submit the borrower 's complete package to XXXX underwriting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/2024 Re : Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are items in error : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Amount : {$660.00} I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

* Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my account with XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX and my state Attorney General 's office have also been contacted regarding this matter. They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items 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 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This company has a charge off on my credit report and a charge off is considered income and income can not be reported per irs law.
Product: Debt collection

This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Item # XXXX XXXX Item # XXXX XXXX XXXX XXXX for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at address noted below.
Product: Vehicle loan or lease

I have not received my title for the vehicle I have paid off XX/XX/2020. Kia Motor Finance will not release the electronic lien because they are not able to get in contact with the titles department. I have called for the last 30 days, every other day. Every customer service person from 5 supervisors to 3 managers has stated they have not received anything back from the Kia titles department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the bureaus in regards to a dispute in question in regards to a repo that was on my credit reports, found out somebody had gotten a vehicle in my name and the vehicle im guessing has YET to be recovered, cant get any information in regards to it because I cant verify account information to whoever has the car so they only tell me what they can well I went to the actual dealership and they were able to give me some information to help me, I was able to contact the company and they finally sent me documentation in regards to the vehicle to help me get the car removed.
Product: Payday loan, title loan, or personal loan

I have asked that they do not call me at work but they continue to
Product: Money transfer, virtual currency, or money service

On the date XX/XX/2020 a tansfer of XXXX XXXX XXXX  or {$600.00} in today 's value from Coinbase Wallet to Coinbase.com. The funds were never received and I used the correct address for receiving the fund. I saw the funds deposit on my Coinbase account then disappear a second later and never come back. I have a copy of the transaction on the XXXX XXXX to prove the transaction in fact happened and that it was complete. On the Coinbase.com wallet, it doesn't show that the funds were ever received, sold, or converted. The coins just disappeared and the two wallets are owned by Coinbase. Customer support for coinbase has been very unprofessional and keeps dragging out the case. The case number for my case through Coinbase is # XXXX.
Product: Credit card or prepaid card

AGAIN! PNC BANK CREDIT CARD HAS TAKEN AN UNAUTHORIZED {$340.00} OUT OF MY ACCOUNT. XXXX THEY TOOK AN UNAUTHORIZED {$840.00} OUT OF MY ACCOUNT. AFTER SPEAKING WITH THE REPRESENTATIVE SHE CONTINUED TO TELL ME THAT THEY HAVE THE RIGHT TO TAKE MONEY OUT OF MY ACCOUNT, BECAUSE I ACTIVATED THE CREDIT CARD. THE RESPONSE FROM PNC BANK, FROM MY PREVIOUS COMPLAINT THEY HAVE UPLOADED A FRAUDULENT TERMS OF AGREEMENT JUST TO STATISFY MY COMPLAINTS TO THE CFPB.THAT WAS NOT TERMS WHEN I SIGNED UP FOR THE CREDIT CARD. I AM CONSTANTLY BEING HARASSED BY THIS CONTINUED AND DISGUSTING BUSINESS PRACTICE OF PNC BANK WITH NOTHING BEING RESOLVED. THE CARD HAS BEEN CLOSED FOR MONTHS. I HAVE NEVER AUTHORIZED PNC BANK TO WITHDRAWL ANY MONEY FROM ANY OF MY ACCOUNTS! THE INTEREST RATES ARE RIDICULOUS FOR MINORITY AND XXXX OWNED BUSINESSES. EVERY TIME I TRY TO PAY A BILL PNC BANK HAS ALREADY WITHDREW MONEY FROM MY ACCOUNT WHICH PUTS ME FURTHER BEHIND.
Product: Consumer Loan

I was being charged for credit monitoring with out my consent from Citibank XX/XX/XXXX-XX/XX/XXXX.
Product: Checking or savings account

They let somebody deposit checks into my account which caused me to have to close my account and I was accused of fraud and I showed them proof that it wasn't me and whoever was doing it had my information and my work information and they were accepting checks through them and I was at fault and they close my account
Product: Payday loan, title loan, or personal loan

Hi : my name is XXXX XXXX, on XX/XX/XXXX I got a XXXX loan from Regional finance XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX, on XX/XX/XXXX I made a payment of XXXX that apply for a few months, from XX/XX/XXXX to XX/XX/XXXX then we made another XXXX payment on XX/XX/XXXX, to cover from XX/XX/XXXX to XX/XX/XXXX, from XX/XX/XXXX didn't make any payments till so they added XXXX interest on the balance, XX/XX/XXXX I made a payment of XXXX they applied to the interest. then I made 9 more XXXX payments, they applied all 10 payments to interest balance went up fromXXXX to .XXXX now they are charging interested over interest. I want to pay in full but I think my it's to much XXXX it's not fair. I'm willing to pay what's rights, I spoke to the manager XXXX XXXX and discuss about haw interest works and he kind of explained but I wasn't convinced I need your help please.
Product: Debt collection

I have told them to stop calling numerous times and have even written emails and they will not stop calling. When they do call they cal back to back 4-5 times and hang up right away when I answer.
Product: Credit card or prepaid card

I applied for and was approved for a credit card limit of {$4200.00} by DISCOVER. The card was sent to me and received by me at the address provided to DISCOVER at the time of the application in XX/XX/2019. 

Later in the month, I received correspondence requesting confirmation of my address. I immediately returned the correspondence, which was within the time parameter provided by DISCOVER. 

I received a letter in XX/XX/2019 stating that the credit card account was " closed ''. I sent a letter to DISCOVER requesting a specific reason for closing my account. 

XXXX XXXX, Executive Office of Customer Advocacy, left a voice mail on my cell phone requesting that I call her about my account. I called back and left a message on her voice mail. She did not return my call. I called a second time. This time I was told that Ms. XXXX was not available, but that the lady who answered could help me. I gave my information and was placed on hold. On returning to the call, the lady told me that my account was closed. I asked for a reason for this action and was told only that " a business decision was made to close my account ''. When I asked for the specific reason for this business decision, I was not provided a reason for their " business decision ''. 

I immediately wrote to the company stating that I would file a CFPB complaint if I did not receive a satisfactory reason for the " business decision '' to close my account. In response, I received a letter from XXXX XXXX at the address provided in the application, and on the prior correspondence requesting confirmation of my address, restating that " a business decision was made to close my account ''. No further information pertaining to the reason for closing the account was provided in the letter nor was further information from me requested. 

At the time of the application, my excellent credit score was around 750 or more from all three credit reporting agencies.
Product: Mortgage

Penny Mac loan service one late payment XX/XX/2023 In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Product: Credit card or prepaid card

AS OF   XXXX   XXXX   I WAS INJURED AND IN THE HOSPITAL, TALK TO CAPITAL ONE AND THEY SAID THANKS FOR THE CALL AND I TOLD THEM, OUT OF WORK FOR A LONG PERIOD OF TIME.. THEY SAID THEY WOULD WORK WITH ME AND I SAID OK..  ON   XXXX   XXXX   XXXX   -- THEY SENT ME A LETTER AND SAID PAID {$88.00} BY   XXXX   XXXX   AND I TOLD THEM THAT WAS NO WAY AT THIS TIME..I DID TELL THEM THAT I COULD PAY A BIGGER PAYMENT LATER IN THE MONTH, THEY SAID GREAT.. SHORTLY AFTER THAT I SENT ALL OF MY PAST DUE AMOUNT TO THEM..DAYS LATER I CHECK TO SEE IF THEY RECEIVED MY MONEY AND THEY SAID YES AND INFORMED ME AT THAT TIME MY ACCOUNT WAS CLOSED AND THEY WERE NO LONGER DOING BUSINESS WITH ME..I HAD THIS ACCOUNT FOR OVER 8 YEARS AND NEVER LATE..I WOULD NOT HAVE SENT MONEY WITH THE THOUGHTS OF THEM CLOSING MY ACCOUNT. THE COMPANY IS CAPITAL ONE AND THE LAST FOUR OF THIS ACCT IS --  XXXX  -- -MY INFO IS   XXXX   XXXX   --   XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX  , FL  XXXX   XXXX  -- -- THANK YOU
Product: Mortgage

I had been working with WSFS bank for a mortgage since the last week of XX/XX/2020. I went through all the processes, submitted all documents, got approved for conventional loan, and my closing date is XX/XX/2020. My attorney, realtor and I submitted all the documents on time and we thought everything was fine. 

One week before the closing date, the loan officer couldn't submit a document on time to the buyer and seller attorney. She claimed she needed master insurance, which my attorney sent her one month ago. My realtor needed to extend time to submit this document. Otherwise, the seller could take all my deposit and cancel this purchase because I missed an agreement. Then, my realtor found out that this loan officer screwed up the process. Loan officer said this unit showed on XXXX as a townhouse, not condo. But my attorney sent her a deed which shows this unit is a condo. Basically, the loan officer worked on my unit as a townhouse instead of a condo. She started the condo questionnaire process 5 days before the closing date. I was telling her my rental apartment lease will end by XX/XX/2020 and I can not extend because there is another tenantwill move in. I and my realtor were reminding the loan officer that I will have no place to live and keep my stuff if it's delayed so long. The loan officer kept saying everything will be fine, tried to book a closer date and time, and let me sign all the paperwork for closing. 

In the morning of XX/XX/2020 which is a day after the closing date, the loan officer told me my mortgage got rejected because of a lawsuit. She got this lawsuit document 1 month ago but she never said anything until a day right after the closing date. I called the bank because I want to talk to her supervisor but it's really hard to reach them and they took 30 minutes to find my mortgage. Call centertransferred me to her supervisor. I was told they will reach out for my case and call me back. I got a call from my loan officer to apologize. But no solution or responsibility for my time, my risk on deposit, my moving, my place to live and my place to work from home. 
I'm supposed to stay in the new place already. But now I need to rent a hotel, rent a storage room, negotiate with the seller, find a new lender and start doing all mortgage applications. This is beyond bad experience with WSFS bank. They don't have responsibility and throw on the street to figure out their mistake.
Product: Debt collection

On XX/XX/2017, I was contacted my Quality Asset Recovery LLC about a medical debt that I can afford to pay but I am actively disputing in court ( the XXXX 's office has already been served with notice to appear in court and I'm assuming they put this into collections as retaliation ). The representative refused to tell me where she was calling from or why she was calling before I confirmed the personal information she already knew about me, which I eventually did after she declined to identify herself repeatedly. 

Eventually she told me I had an outstanding debt that I needed to pay and threatened multiple times that if I didn't pay it, it would affect my XXXX XXXX. When I finally got her to tell me, I learned representative 's name was XXXX XXXX. She made sure to threaten my XXXX XXXX one last time before she hung up.
Product: Credit reporting or other personal consumer reports

I noticed your furnishing information on my consumer report which is confidential. I have a letter from the bankruptcy court saying they do not report any filings with credit agencies. 
According to 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This is a violation of my rights has a consumer, so delete this immediately.
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report and I have no clue how they got there. I checked my credit report as I usually do, but this time, there were unexpected discrepancies. I tried refreshing my browser to see if it was just a glitch, but the unauthorized inquiries did not disappear. Because of this issue, I request a thorough review of the documents I've submitted so that I can avoid this problem in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$3300.00}
Product: Debt collection

I am writing to formally request validation of the debt that you have reported to me. This communication is being sent under the Fair Debt Collection Practices Act ( FDCPA ) and my right to request verification of the debt.

Please provide me with the following information : 1. The amount of the debt.

2. The name and address of the original creditor with proof of the original agreement with my signature on it.

3. A detailed statement that outlines the charges and fees leading to the current amount owed including payment history.

4. Documentation that shows you are authorized to collect on this debt including date that this debt was obtained.

5. Any judgments or legal actions taken against me regarding this debt.

Please note that until I receive this verification, I will consider this debt invalid. Additionally, I request that you cease all collection activities until this debt has been validated. 

Please send your response to the address listed above. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX