23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, I requested the following information from XXXX XXXX : 1. A True Bill for the alleged debt associated with XXXX XXXX  Account Number XXXX. 
2. Any necessary account level documentation that substantiates the validity of the charges and transactions on my account. 
3. What was the the reinvestigation process and who furnished this information? 

I clearly stated that, in the event XXXX XXXX failed to provide the requested information, I demanded that they take appropriate action to address my concerns and provide clarity regarding the charges on my account. 

It has come to my attention that XXXX XXXX has not provided any of the requested information or taken the appropriate actions as demanded in my previous communication. This lack of response and cooperation is not only a violation of my rights as a consumer but also raises serious concerns about their compliance with applicable laws and regulations. 

Furthermore, I would like to emphasize the importance of XXXX XXXX adhering to federal laws and regulations governing credit card practices. Any claims or assertions made by the company regarding my account should be substantiated through proper legal channels and should not be used as a basis for non-compliance with federal laws. 

In light of the above, I believe that XXXX XXXX  may be in violation of federal laws and regulations related to credit card practices, specifically in regard to XXXX XXXX Account Number XXXX with account balance of {$1100.00} I kindly request that the CFPB investigate these matters thoroughly and take appropriate action to ensure compliance with consumer protection laws.
Product: Debt collection

We have responded to XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, OH XXXX ) twice explaining we have switched garbage collection and that we have paid for the services we received from them. We simply do not owe them anything. They have turned us over to Coast to Coast FinancialXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX.
Product: Credit card

I made minimal charges on a new macys card hoping to benefit from the introductory offer/discount in or about XX/XX/2015 Soon they were charging me late fees and late fees on late fees and I tried to cancel my card and paid what I believe was owed after several phone calls. Now despite having paid and cancelled my card the statements keep coming with late fees on late fees and telephone calls to my house at night. I spent nearly an hour on the phone with customer service since I do n't know what these charges are at this point or what the late fees are for since I believe I long ago paid off the few items I bought from macys. The customer sevice was disgraceful unhelpful hostile and offshore and refused to provide me with any records of charges and payments so I can get this straight. I would like to bring a legal action but need the records which Macys wo n't give me. And the calls and late fees keep coming. A nightmare.
Product: Debt collection

I received a piece of mail from XXXX and collections on XX/XX/23 about an account with an outstanding balance due to my personal information being compromised. I've already contacted both companies on the issue to dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding violations of the FCRA by XXXX XXXX XXXX XXXX, in their capacity as a furnisher and user of consumer information. Briefly : The bank generated an erroneous XXXX score that does not match with the contents of my consumer reports, made adverse decisions based on false information, and failed to correct this information. 

Details : In XXXX 2017 I applied on-line for a checking account at XXXX XXXX XXXX XXXX, in response to an advertised promotion. The application was declined twice, citing consumer reports from XXXX and Chex Systems. 

This was surprising and unexpected, since my credit history is excellent with zero negative items, and I had never been declined for a deposit account by any bank before. I reviewed my reports from both XXXX and ChexSystems, and found them both to be spotless with zero negative items. 

I had several conversations with agents of XXXX XXXX XXXX XXXX ( hereafter referred to as the Bank ),  including their Executive office. I presented the complete and detailed consumer reports from XXXX and Chexystems, pointed out that they contain zero negative items, and requested a manual approval of my application. The Bank claimed that they can not consider these reports, and they only go by the 'XXXX Score ' included in their original letter of denial. 

The Banks letter of adverse action contains a XXXX  score of XXXX, a very low score that does not match with my consumer reports. Considering that my FICO score is XXXX and none of my consumer reports contain any negative or derogatory items, a XXXX score of XXXX has to be an error. The Bank first claimed I had to dispute this with ChexSystems. I did so, and ChexSystems claimed it is not them but the banks who generate XXXX scores. 

So it appears that XXXX XXXX XXXX XXXX had generated a false XXXX score, and made an adverse decision against me based solely on that erroneous score, without considering the actual contents of my consumer reports. This adverse action now causes a continuous negative impact on my future consumer reports. Despite my repeated requests to correct this score and remove the erroneous entries from my consumer reports, the Bank has refused to take any corrective action. 

I am attaching my most recent correspondence with the Bank, which explains the problem and my requested resolution in detail. If necessary I can provide additional evidence, including prior correspondence and my full consumer reports. Thank you.
Product: Money transfer, virtual currency, or money service

i sent money in XXXX yesterday through western union, but a receiver didnt get the money i sent, western union in XXXX said over sending need to change the name of the receiver..i just want to change the name of my receiver to get the money in XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

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 account name : XXXX XXXX XXXX Bank Credit card : Account number : XXXX, XXXX XXXX : Account number : XXXX, Dept Of EDXXXX XXXX : Account Number : XXXX, XXXX XXXX XXXX Account number : XXXX 15 USC 1681 section 602 A. 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 account without my written instructions 15 USC 1681c . ( a ) ( 5 ) Section States : no consumer reporting agency may make any cinsumer 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 USC 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 resonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ US DEPT ED # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy. 

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I reached out to Experian which was done online to dispute and requested Detailed information on my accounts which are being reported. I noticed that the verification of my accounts took about a week. Which concerned me if this investigation was thorough. 

I Discovered information about the CFPB Lawsuit with Experian. and feel this can if not already negatively impacted my Credit. I want Experian to send me complete details on the verification of the accounts with accurate details on there verification process. 

If this can not be provided than i want the accounts that has not been detailed to be deleted.
Product: Debt collection

Since XXXX and it is now XXXX they have been using this fraudulent account for tax write off purposes they have also used the date of furniture to forcefully & falsely verify my stolen data as accurate! I have a XXXX in my left XXXX and it is causing me significant pain in home and I can not afford to remove it with my credit continuously going up I need to be able to get money to pay for XXXX theyre making that incredibly difficult Ive asked this to be removed its tied to my social ending in XXXX end it is not mine I dont care about any investigations I want them to remove it immediately before I die
Product: Checking or savings account

On XX/XX/XXXX, I received a text notification that my savings account balance was XXXX in a panic since this is the account I deposit my pandemic unemployment checks I logged on to the Wells Fargo website to confirm that the balance was indeed XXXX. The notice said " Legal order debit-contact court ordered debt collections ( XXXX ) XXXX case # XXXX '' Ie called this number to find out Wells Fargo can not tell me who had collected my savings. I was never notified of me owing anything and now my unemployment is gone to someone and my kids and I face hunger, eviction, penalty fees, overdraft fees and a {$120.00} to wells fargo legal ordered fee. I dont know who or what but one thing is for sure my children and I will be sleeping on the streets of XXXX XXXX Ca if I can not fix this soon. I will be happy to set a payment plan as long as i know what is for. Not knowing the creditor, balance or nothing about the debt is scary specially when your kids safety is at risk.
Product: Checking or savings account

I am filing this complaint against Navy Federal Credit Union for improperly denying my dispute regarding a fraudulent and unsafe experience at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) during my stay from XX/XX/XXXX - XX/XX/year>. 

I initially disputed this charge because of multiple issues, including a serious safety violation at the XXXX XXXX XXXX XXXX where I was nearly burned due to staff negligence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was witnessed by my husband and another guest XXXX XXXX XXXX XXXX, who expressed concern and advised me to report the incident. 

That same evening, I reported the incident to the resort 's front desk, but despite multiple follow-ups via email, the resort has ignored my requests for accountability. 


Beyond this XXXX XXXX XXXX my stay was plagued by service failures and misrepresentation, including : Non-functional air conditioning for four out of five days of my stay ( despite repeated complaints ).

XXXX XXXX  at the resort that was not disclosed at the time of booking, leading to a poor and unsafe environment.

Inadequate and unsafe dining conditions, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Unavailable resort amenities that were promised in writing but were closed or non-functional. 


I submitted extensive documentation to Navy Federal in support of my dispute, including : A detailed statement outlining the safety incident and service failures An eyewitness account from my husband describing the XXXX XXXX XXXX Copies of my emails to the resort showing my efforts to resolve the issue Photos of construction-related issues, resort conditions, and food safety hazards Despite this overwhelming evidence, Navy Federal denied my dispute twice, citing that services were rendered and there was no record of cancellation. This response completely ignores the fact that the services were unsafe, misrepresented, and that the resort failed to fulfill their obligations.
Product: Mortgage

I am an XXXX XXXX XXXX Florida veteran who was recently declared 100 % XXXX by the XXXX XXXX and as such, I can apply for a waiver for property taxes on my home, with the exception of a fire tax of {$150.00} per year. I obtained approval of my exemptions from my county tax office and sent in their letter, dated XXXX XXXX XXXX with a request for an adjustment to my mortgage payments. I have made numerous calls to AmeriHome since then, to no avail. My county tax office was kind enough to write a second letter, dated XXXX XXXX XXXX reaffirming my eligibility for a tax waiver. I got a form letter, dated XXXXXXXX XXXX XXXX from AmeriHome stating that my request was forwarded to " the appropriate department for review. '' I made one last call in XXXX asking for an adjustment so that I could avoid making a complaint to a consumer protection agency, which seems to be my best resort at this time. No adjustment, no calls, no letters, no one taking responsibility. I have attached copies of pertinent documents for your review and would appreciate any help that you could give me.
Product: Mortgage

XXXX erroneously included insurance in my escrow account in XX/XX/2023 since they said they never received my proof of insurance. I continued to make my appropriate payments and called XXXX every month to resolve the issue. In XXXX they agreed the insurance should be removed and tried to resolved the payment application but there is still {$240.00} of late fees not reversed and {$4200.00} misapplied directly to principle and not a payment so they say I am one month behind in payments. They call me every month from collections. I call collections back and explain what happened to yet another person who ultimately says they have to transfer me back to the escrow department who either never answer or tell me they have it corrected or today was in the middle of giving me a case number when the line just disconnected. I have spent many hours, taken out of my work day, to try and resolve this before year end when I get my 1098.
Product: Credit card

On XX/XX/2023 I arrived at the XXXX XXXX XXXX in XXXX. The desk clerk informed me that I might get a better rate online. I thought that I was on the XXXX 's website so I entered my credit card number to view the proposed rate which turned out to be XXXX  off from my original valid reservation. I left the site before completing the reservation. Soon both reservations appeared on my credit card. I immediately called the number on the fraudulent reservation and spoke to XXXX who said, " We have your credit card information and we are going to use it. '' When I asked he told me that XXXX was the site I was on, but I only have his word for that. The XXXX has not responded to my request for further information. Please note that the fraudulent reservation still has the box showing which says, " Agree and book this room for US {$500.00}. '' The fraudulent reservation appears on my credit card statement as XXXX XXXX XXXX XXXX. The genuine reservation, which I paid, says XXXX XXXX XXXXXXXX XXXX. I immediately filed a dispute with PNC by phone and they assured me that I wouldn't have to pay it. When PNC contacted me by phone for further information they assured me at that time also that I wouldn't have to pay it. However now PNC says that I do have to pay it, and furthermore that they would not waive the finance charges incurred while I attempt to find out more about this fraudulent company and take action against it.
Product: Money transfer, virtual currency, or money service

See details in Complaint Number XXXX against XXXX. This new complaint is against JP Morgan. 

The reason we're doing a separate complaint is because, according to XXXX, JP Morgan has been in possession of our wire transfer of {$3000.00} ( - {$10.00} transfer fee ) since XX/XX/XXXX. That is the same day we instigated the transfer. The money went to a bank in Florida, who rejected it and returned it to JP Morgan on that date. 

We called XXXX a few days after XX/XX/XXXX and were told repeatedly that it would take " a few more days '' or a " few weeks is normal for international wires ''. After two weeks of this, we requested a trace. That is when we discovered that JP Morgan was also involved. According to XXXX. 

XXXX gave us a tracking number : XXXX. We gave this number to the bank in Florida, that JP Morgan said didn't respond, but who answered our call the first time. XXXX at XXXX ext XXXX, gave us the information that they had rejected the wire and immediately given it back to JPM. We had been told on an almost daily basis that JPM was " trying to find the money '' that they'd made several inquiries and even called the bank. That was clearly a fabrication because it only took us one phone call, using their tracking number, to get the information that the  money had already been returned to JP Morgan. 

XXXX has been telling us, since last week ( XX/XX/XXXX ) that the funds had been returned to them and we could expect to see it back in our account " today or tomorrow ''. They gave us the same run-around this morning. So we called and gave them a stern recap of why we are upset and that we want our money back now, not tomorrow. We were told that the recording of our complaint would be given to " a manager '' at XXXX to evaluate. 

A supervisor at XXXX, XXXX XXXX XXXX ext. XXXX, took over the case on Thursday and she's the one who first told us that XXXX had received the money back from JPM and we'd be seeing it in our account overnight at the latest. When we tried to call her yesterday morning and this morning ( XX/XX/XXXX and XX/XX/XXXX ) she was unavailable or not in. So, after the complaint this morning to " the manager '' XXXX called us within a few hours and told us something truly remarkable : XXXX does not, in fact, have our funds. In truth JP Morgan still has the money and she just found that out. She needs to do a " recall '' and that it will take JP Morgan another 2 days to 2 weeks to return our money. 

For some odd reason, we do not believe a word we are told now. However, in the off chance that they are telling the truth that it has actually been JP Morgan Chase who has our money, then we should send in a complaint that they have been unlawfully withholding our {$3000.00} from us since XX/XX/2018.
Product: Consumer Loan

My daughter bought a car from a buy here pay here lot called XXXX XXXX XXXX in XXXX, TN. in which I was told that I should sign on so that her payments and insurance would be much lower. After having the car for approximately XXXX weeks I began to get collection calls from Mid Atlantic Finance. I explained to the representatives that I did not have a contract for a automotive loan with them and neither did my daughter. The representative told me that they now owned the vehicle that my daughter had been paying XXXX XXXX XXXX for. They said that XXXX XXXX XXXX had sold them ownership of the car and that we needed to send them {$900.00}. I explained to the representative that until I received copies of the contracts and had agreed to them I was not sending them any money, because the {$900.00} worth of payments had been paid to the original lender. After that my daughter and I began to be harassed by phone continuously. No contracts where ever sent to me or proof that they owned the car or car loan. We contacted XXXX XXXX and was told that they thought it was okay to sale the loan to Mid Atlantic. They also stated that all payments had forwarded to Mid Atlantic and we should not be behind at all on the payments. Approximately a week later our daughter went to stay all night with a family member. The vehicle was pulled into a gated and locked fence on the property, but when she got up the next morning the gate was cut open and the vehicle was gone. When the police was called they told us the vehicle was repossessed by Mid Atlantic Finance Company and that we should make contact with them. When we contacted them we where told the car was already taken to the car auction in XXXX, TN. and would be sold the next day. We have only been contacted once since then with a letter telling us that we still owed approximately {$4000.00}. I have requested by certified mail a copy of any so called contracts they have or for them to remove this debt from both my and my daughters credit reports. I have never received any proof that this debt is owed to them or that I signed any contracts with this company. I was also told by XXXX XXXX that selling without knowledge was something they have done for years.
Product: Student loan

I received an email on XX/XX/2016 from Navient that my payment had increased from XXXX per month to XXXX per month. When I went into my account to see what had happened, it appears they changed the term of my loan from the original XXXX years to XXXX years. I 'm XXXX years into the XXXX year loan repayment and now only have XXXX years left to pay it off. While Navient agents were polite, they are unwilling to honor the terms of the loan to which I had agreed.
Product: Credit reporting or other personal consumer reports

Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are.. 
XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies.

You are required to take this derogatory account off my credit because it is enabling to get a house or a new car.. 

The following inquiries are.. 

XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card XXXX  XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card