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

On XX/XX/2021 I attempted to send {$51.00} via Western Union. When submitting, it added 2 zeros, equaling {$5100.00}. My bank account is overdrawn. 

I immediately contacted Western Union to stop the transfer, they assured me they did. I was told the money would be back in my account on Tuesday, XX/XX/2021 ( 7 business days ). However, the money is not in my account. Every time I call, I get a different response as to why it is not in my account, when it will be in my account, that it is being investigated, etc. 

I was told multiple times that I would receive an email confirmation that the refund was being processed. That was never received. 

I was finally given a number of the corporate office, however that is not a legitimate phone number for Western Union ( XXXX ). 

I simply need my money back in my account. I have bills I can not pay because my account is over drawn. 

I have attached a " chat '' transcript as proof of the ongoing non help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting that I missed pay for my credit on month of XXXX I did not miss payment I made the payment and they reported the payment missing on XXXX month later but the payment been made. I asked them to solve the problem they told me to contact the credit bureaus. They dont wants to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SNAP ON 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 NAME : 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 ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX Collectins 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 Equifax EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Collections : 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 or other personal consumer reports

On XXXX XXXX I received a hard inquiry on XX/XX/23 for Barclays Bank in Delaware that I did not make.
Product: Vehicle loan or lease

I had an auto lease through Chase Auto from XX/XX/XXXX through XX/XX/XXXX. Since the lease concluded, I have received countless bills and settled account statements from them, with little to no explanation for the charges. 

Most significantly, in late XXXX, after countless rounds of Chase Auto explaining the debt and sending me evidence of personal property tax payments that were the source of the remaining amount, I paid and received notice that my account was settled. Since then, Chase Auto sent me a check for several hundreds of dollars with a letter indicating that they had reviewed my account and identified an error, but with no explanation of the error or what it was. 

On XX/XX/XXXX, I received a new letter from Chase after hearing nothing for months, this time requesting payment on the lease for a balance due of {$600.00}. The letter has no explanation for the amount. When called by a Chase representative on or around the XXXX for the same request, I explained and they acknowledged that there was an error. Nevertheless, when I called Chase in response to this letter, they refuse to explain the debt, provide accounting for it, or acknowledge that the account is settled.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 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: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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: Debt collection

Accounts Control Technologies with phone number XXXX called my employer today XX/XX/XXXX. My employer in turn relayed message for me to call back company. Unfamiliar with the company and its products and services, I XXXX them up and discovered they are debt collectors. I have no business relationship with them, and I do not know what and for whom they are collecting for. They have not sent me any written communication to allow me the chance to dispute. Them talking to my employer I feel is harassment and defamation. Is this a violation of consumer protection law?
Product: Student loan

The company will not let go of co-signer even if the terms of letting go of the cosigner has been met. All 5 question on How to let your cosigner off your loan on the companys own website has been met. Also they will not tell me what their magic number of to let the cosigner off of the loan. The company just say they will not let the cosigner go and will not disclose what the number that they are looking for on a credit report. So even if your credit is 700 plus the company may decide that your score is not good enough to dismiss the cosigner of the loan. THIS IS UNFAIR TO THE COSIGNER AND SHOULD BE CHANGED. THE COSIGNER HAS MET THEIR DUTIES AND SHOULD BE RELEASED.
Product: Debt collection

To whom it may concern : I have attempted to contact the XXXX XXXX  XXXX XXXX ( where I was a resident/homeowner of seventeen years ) concerning a collection account that was erroneously placed on ( apparently a three credit bureaus? ) This of course has negatively impacted my credit profile, and has been exacerbated by the fact that the falsely RE- report the date of origination of ( initial collection ) in such a way as to make the alleged amount owed them/collection account ... appear to be recent, when in fact this matter has been on my credit profile for nearly FIVE years. 
The City ( via their collection agent ) is alleging that I owe {$140.00} Thank you in advance for your help with this matter. 

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

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXXXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX  XXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : -, XXXX XXXX  Account XXXX Balance : {$4900.00}, XXXX XXXX XXXX Balance : {$5500.00}, Original creditor : XXXX Balance : {$390.00}, XXXX XXXX XXXX  XXXX Inquiredon XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is a complaint against PNC Bank for their abuse of authority, delayed handling of the transaction to the customer 's detriment, and poor communication regarding a consumer/vehicle loan. I believe PNC Bank abused their authority by REJECTING a loan payoff check submitted to them from the XXXX XXXX XXXX XXXX who purchased the vehicle from me. PNC returned the payoff check ( {$39000.00} ) to the XXXX XXXX two separate times without just cause, without explanation, WITHOUT INITIATING ANY REASONABLE REMEDIES, and without informing the customer. The vehicle was sold on XX/XX/2021. The XXXX XXXX contacted PNC for a payoff on XX/XX/2021. The dealership mailed the payoff check to PNC which they received on XX/XX/2021. We learned later that the payoff amount was apparently short by {$270.00} to close out the loan. Instead of accepting the initial check from XXXX and requesting the remaining balance due ( probably for Per Diem or Late Fees ) from XXXX or from me, they returned the check!!! I wasn't even made aware. I learned about this only after I went to PNC on XX/XX/2021 to talk to XXXX XXXX at the XXXX XXXX XXXX XXXX, XXXX. There was back and forth on the phone between XXXX XXXX, PNC Loan Service Center, and me on, in short, whose fault it was on the incorrect amount of the payoff? Was it PNC 's fault or was it the Dealership 's fault on the correct amount of the payoff? I was charged daily interest, per diem, late fees, and possibly negative credit reporting from XX/XX/2021 to XX/XX/2021. Was this the customer 's fault? I also want to report two PNC employees who were not helpful during this process. One is XXXX XXXX from PNC Bank Retail Support who initially reached out by email on XX/XX/2021 from my consumer complaint, however she did not follow up after that. She promised to " research '' the phone records between PNC Bank and XXXX XXXX XXXX to resolve whose fault it was on the payoff amount, but I received no follow up on the results. She did not return my phone calls or reply to any of my email messages or texts. She went silent. The other PNC employee is XXXX ( don't have last name ) who repeatedly called me to harass me about making the monthly payments even after I informed him that the vehicle was sold and we are working on the payoff. Through some misery and several hassles, PNC Bank finally accepted a new payoff amount of {$39000.00} as of XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both TransUnion and XXXX are reporting different information about account XXXX. I have not received anything verifying this account, but it is reporting in accurate. Both have different open dates, both have different last active dates, I have no payment history at all to verify anything! 

Please remove this account for being unverified and inaccurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - Bankruptcy XXXX  XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX  XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

XXXX XXXX who is there Collection XXXX for Triton Recovery LLC is the lead in a debt collection involving XXXX XXXX XXXX. XXXX XXXX has been communicated with through email for a duration of time. XXXX XXXX emailed a settlement offer around XX/XX/XXXX. The contract and money order for full payment of balance was sent via certified mail to their home office in Florida, which was received on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX confirmed receipt of the parcel. On XX/XX/XXXX XXXX XXXX stated there was some form of investigation going on within his company about the payment sent. On XX/XX/XXXX XXXX stated he has the agreement signed and the instrument for payment. On XX/XX/XXXX XXXX, Collections XXXX stated that she no longer wishes to communicate with my P.O.A. regarding the alleged debt. I continue to reach out to inquire as to why my payment has not been processed along with why the legal suit that was file had not been dropped due to payment being tendered and received on XX/XX/XXXX. the collection agency has failed to perform there duties and has not returned the money order that was tendered as payment for full balance. I continue to get harasses by XXXX XXXX and his office about the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into XXXX  to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX XXXX to make monthly payments to all my ceditors and in XXXX of XXXX I was sent a notice form Capital One that I was late 30 days. I called XXXX and submitted a dispute to XXXX and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To XXXX each month and they pay my creditors the same day every month, no reason to have a 30 day late Credit Card payment.
Product: Checking or savings account

In response to a bonus offer of { {$400.00} } for opening a new checking account and funding with { {$15000.00} } and opening a savings account within 30 days of opening the account and then maintaining the balances for 60 days, within 90 days of these terms being met, the deposit of { {$400.00} } was to be released to the checking account. He ultimately was able to get them to review the account AFTER 12 phone calls and numerous threats of filing legal action against Citibank, and they finally released the bonus. He said to give them 5 business days and it should be in the account. I was out of the country for most of XXXX and when I returned, still no bonus or communications from this terrible deceitful organization. The customer service agent mentioned my checking account was closed and therefore the bonus was not valid. How does this make any sense? You close the checking without sending me any notifications and then tell me the XXXX that was deposited in the savings was all for not. This is very dishonest. All terms were met for the bonus! Pay the bonus! XXXX XXXX is a very rude customer service agent! 

I called yet again for the XXXX time on XX/XX/XXXX. Immediately upon the customer service agent answering I demanded to speak to a manager. I was transferred to XXXX. I went through the issue again with all details. XXXX looks at the account and tells me all the agents before me told me the wrong information. He now said that I needed to meet the requirements within 30 days of opening the account - which I did. He then said I needed to maintain the balances for 60 days - which I did. He then said Citibank has the option to wait the full 90 days after that before they had to pay the bonus, but usually pay it sooner - apparently not in my case. He now told me that the bonus was due, according to his " math '', on XX/XX/18. After that he said they were definitely out of terms. I was absolutely fed up and demanded to open a case dispute. He refused. He said, sorry but since Citibank is not out terms yet, I can't open a dispute. So I waited until XX/XX/XXXX - no bonus. It is now XX/XX/XXXX - no bonus. I can not continue to waste my valuable time trying to get this awful company to live up to their published offer. I am not interested in speaking with them again, banking with them, or quite frankly ever seeing the name Citibank ever again either. I want my bonus as I met the contractual requirements of their published offer and then I will be immediately closing my account and NEVER bank with them again.
Product: Credit card

Chase issued XXXX balance transfer checks on two of my Chase issued credit Cards. I deposited the Chase issued check, account had enough credit available, and Chase returned their own check causing my checking account to be overdrawn. First attempt via the call enter was useless. Next step was a visit to the local branch. I spoke with a CSR they called both Chases credit card center and the deposit checking team to be told the checks need to be negotiated inside the branch and the CRS had to call the credit card division to obtain an approval code. Nothing ion the material provided by Chase spoke of these requirements. 

Since the check was with Chase processing and they could not use the original check to issue the approval code I used another check on a separate Chase credit card account to deposit. The CSR obtained the approval code wrote on the face of the check and deposited it. The next day that check was also returned by Chase continuing the overdraft on my account in the amount of {$5500.00}! Back to the same branch I went for a second time to try and resolve the issue. The CSR looked at my account and said the funds would be available in the next 24-48 hours. Today I received a text message from Chase that my account was overdrawn. The same CSR that assisted me the first time I went to0 the branch assisted me again today. Only after being persistent, did he get to a Credit Card supervisor who said Chase DID NOT issue me any checks on the one credit card when clearly, I has the letter and additional check in my possession and the second check that was returned was issued to the account that they claim never had checks issued on it. Only due to my insisting to speak with the credit card supervisor did she tell me that Chase was having a SYSTEMIC internal issue with the convenience checks it issued and all of them are being returned. They never had the presence of mind to let their STAFF ON THE FRONT LINES AT THE BRANCJED KNBOW OF THIS ISUUE! 

Now they stated they will credit back any NSF items I paid electronically but my Mortgage and other bills will be reported to the credit reporting agencies as delinquent. 

Chase stated this is a SYSTEMIC issue and therefore more consumers will be facing the same issues I did. In addition, the branch personnel have no idea how to resolve these issues as Chase corporate operations never advised the branched is the issues. Most likely to avoid the issue being made public. There must be some form of administrative action including assessing Civil Money Penalties against Chase and also have Chase issue a public notice that any overdrafts were due to their internal system errors to the public. 

I can be reached at XXXX or XXXX to discuss this matter further. I pray the CFPC will take swift action on this matter. 

XXXX, XXXX XXXX