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

Western Union advertising free transfers from bank to bank, they send a Pin for verifications, however they don't allow online transfer of {$480.00} for second time already. When I contacted mngr today XX/XX/20 at XXXX   XXXX, manager told me that " for verification of identity I have to go to the location. So the spam is that location charge around {$20.00} for the service, which means that while deceptively advirtizing free transfer on reality Western Union is making free transfers impossible. Another words I see it as bite and switch and deceptive advirtizing.

If Western Union was just about to " identity verification '' they should make " location transaction '' free too.

I request to investigate deceptive business practices by Western Union
Product: Checking or savings account

On XX/XX/22, XX/XX/22, XX/XX/22 and XX/XX/22 {$59.00} ( a total of XXXX times ) was taken from my fifth third bank checking account unauthorized and fraudulent. The bank refuses to refund these charges even through they occurred within 90 days of my initial notification to the bank.
Product: Checking or savings account

I have a recurring monthly check automatically sent by the bank to my church. On two occasions, the check was stolen from the bank 's mailbox and ( somehow ) cashed. I only found out about this much later, when reviewing my annual contribution statement from the church. 

I notified Capital One, who proceeded to tell me that there was no evidence of fraud -- sending me a photo of a completely different check, lacking an endorsement, as evidence that there is no fraud. As they failed to find fraud, they denied my claim. 

There is no means to appeal to ask for clarification once a claim is denied, despite the bank failing to properly and adequately investigate my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX : {$470.00}, XXXX XXXX  XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has transferred an equity loan account without my consent or knowledge for what they claim was for administrative reason. This is a false statement as the loan in question, now account No XXXX was secretly transferred to release the tile of the primary mortgage prior to the home 's foreclosure in XX/XX/XXXX and was done so a year prior to said foreclosure all while Wells Fargo was supposedly working with me regarding a loan modification. Wells Fargo seemingly was looking to make good due to the outcry of predatory lending claims by millions of former Pick-a-payment customers. The loan type has since been outlawed and Wells Fargo settled a class action law suit, of which i opted out of, for millions upon millions of dollars, which equated to {$700.00} - {$1200.00} dollars per victim ( pennies on the dollar ). Wells Fargo was also found guilty of not modifying troubled home owners during the housing crises, me being one of them as i was denied on multiple occasions from XX/XX/XXXX-XX/XX/XXXX with one approval claiming to be a modification but was nothing more than baking back payments back into the loan without changing any note payment terms. with that said, Wells finally agreed in XX/XX/XXXX to work with me and modify my home as they should have done back in XX/XX/XXXX-XX/XX/XXXX, so what did they do? well they did n't go back to see if i should have been approved back in XX/XX/XXXX-XX/XX/XXXX when I had a ton of debt and a hefty mortgage payment, instead they based my mod qualification on my current finical state, which had dramatically approved since I had stopped making my mortgage payments on a predictor loan in favor of paying all other upstanding credit grantors.Needless to say I was not approved for a home modification and Wells Fargo foreclosed on my primary home selling the home for 100K less than I was looking to pay in a modification.
My latest complaint was forwarded to Wells Fargo 's Executive Resolution Specialist XXXX XXXX, who I immediately identified a s a  person with a predetermined position and was just looking to find only information that supported his narrative. I requested his removal directly with his supervision XXXX XXXX XXXX, as I felt his personal opinion was introducing a bias investigation. XXXX XXXX never returned my calls or responded to my many recorded requests left on her voicemail to remove and replace XXXX XXXX. Should this latest attempt fail to resolve this issue I will file a formal suit for punitive damages of a minimum of XXXX XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602A. States I have a 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I called Transunion Regarding a XXXX open XXXX account with XXXX late paymentsin the 10 Years. I have new accounts open in 2024 Somehow this agent says that I lost the 10 years of positive payment history because I opened new accounts. My history with TransUnion shows XXXX credit history, When asked the Transunion agent told me that because I opened a new account I lostthe 10 years of positive payment history - I would like this to be cleared up. Case # XXXX XXXX ID : XXXX  XXXX.
Product: Checking or savings account

When I opened my account ( it was ING Direct back then ) the interest paid for their high yield savings account was over 3 %. As interest rates were cut in the years since that went down to 0.3 %. Now that the fed has been raising rates I assumed that the interest rate on my account was also being raised, as it was for my other high yield savings accounts. Apparently, to take advantage of Capital One 's current 3.9 % rate I have to close my Capital One 360 Savings Account and Open a Capital One Performance 360 Savings Account. Capital One automatically lowered my interest rate when the fed cuts rates, but to take advantage of a rate increase I need to open a new account? I was never notified that this would be the case. This has literally cost me thousands of dollars in lost interest payments. I don't know that it's criminal, but it feels like it comes pretty close. I called their customer service and was told I could file a complaint but there's a 45 - 60 DAY turn around time.
Product: Credit reporting, credit repair services, or other personal consumer reports

A new credit inquiry was made on my credit report without my authorization or consent. I contacted the company and they informed me that they couldnt assist and that I needed to contact the credit bureau. The company is capital one and I have not applied for a loan or credit check with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions 15. U.S.C 166b a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report I see an account listed for XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Experian has this account listed with incorrect DATE OPENED of XX/XX/2020. I spoke to XXXX and entered into a payment arrangement ( attached is text from XXXX confirming the payment arrangement ) so why is this account being listed as in collections, when I am clearly in an agreed payment arrangement which does not need any further collections activity or status or notifications. Why has Experian not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having several issues with an account listed as XXXX  ' on my credit report from Equifax, identifiable by its last XXXX digits as XXXX '. Firstly, the 'Date of First Delinquency ' is recorded as XX/XX/XXXX. According to Pennsylvania 's statute of limitations ( Title 42 Pa.C.S.A. 5525 ( a ) ), this debt should now be unenforceable. Despite disputing this with Equifax, it hasn't been adequately addressed.

Secondly, the reported balance for this account stands at {$650.00}, which I have disputed. I requested Equifax to validate this figure under the Fair Credit Reporting Act ( FCRA ), but they have failed to do so.

Lastly, the payment history for this account is incorrectly reported. The account is listed as being 60 days delinquent for XXXX consecutive months from XXXX to XX/XX/XXXX, which is mathematically impossible. A XXXX delinquency should logically progress into a higher degree of delinquency if not addressed. This is a violation of section 623 ( a ) ( 2 ) of the FCRA, which mandates accurate credit information reporting.
Product: Checking or savings account

Took my government stimulus checks to Wells Fargo who, at the time of the first round, Id been banking with XXXX years. My accounts were not overdrawn at the time yet Wells Fargo decided to hold my checks instead of cashing them for a week each time. The approximate dates were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They stated that it was simply their policy to hold checks even those these were disseminated during a time of global crisis as a means to stimulate the economy. I really thought my life would end and they did not care. Everyone else who received these checks all around me at the time were getting theirs cashed without question. Me being a XXXX XXXX  XXXX man seemed to be the only reason they chose to do this.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XX/XX/year> {$0.00} XXXX XXXXXXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 6

02 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

On multiple occasions, I attempted to initiate a wire transfer from my Citibank account, but the bank has repeatedly prevented me from doing so. I have spent over 5 hours speaking with Citibank representatives, who have assured me each time that my account is in good standing. Despite this, they have not provided any clear reason or resolution for the inability to send wires, which is causing significant delays for an important payment I need to make.

This problem is unusual, as I have previously been able to send wire transfers from this account without any issues. Each time I attempt to resolve this with Citibank, I am given generic reassurances but no specific solution to address or resolve the problem.
Product: Debt collection

On XXXX the XXXX, 2020, I received a phone call from thee number XXXX. I asked what it was in regards to and they refused to answer. I asked what company she was calling from and she mumbled it out. She refused to spell it to me. I asked what kind of company it was and she refused to tell me without giving her my name. I had withheld my name at that point. I asked her again and I told her that the FCC laws ask that she disclosed this information to me or it could be construed as an unsolicited call. At this point it was an unsolicited call because she did not tell me who she was or why she was calling or what kind of company she was calling from. She refused to tell me anything until I verified whether I was or was not who I am. The name of the company was FH Cann And Associates. I called the party back and I requested this information once more and she hung up on me. Her name is XXXX. They called me earlier this month several times under different spoofed numbers. I have told them every time that I'm not giving my name out until I know why they are calling and they keep hanging up. And goes back to the same people. I have finally got the name so I thought I would report it today as this is an illegal practice. To this very 2nd, I have 0 idea why they would be contacting me. Nobody will tell me. I am in hopes that they will stop harassing me. I would like to be able to answer my phone and not be harassed. I've had at least 4 calls over the past week from unsolicited agencies, probably all this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was added as an authorized user on a credit card that i did not authorize and the credit card has appeared on my credit report but credit card company has no record of my name associated with any accounts
Product: Money transfer, virtual currency, or money service

It was a platform name XXXX XXXX XXXX, that I was trading for almost 2 months took an amount of {$36000.00} on my bank account.They used crypto currencys platform too, and an app name XXXX  and crypto.com.it was happened on XXXX to XX/XX/2023.
Product: Credit reporting

I have XXXX major problems going on right now and its across all XXXX bureaus. 
# 1 reinsertion of previously deleted items without required notification within 5 business days pursuant to section 611 # 2 " verification '' of information without providing the documentation that I requested that proves that these accounts belong to me - XXXX V TRANSUNION states in no uncertain language that once I notify them that their results are wrong, they have to go beyond the original source of information to ascertain that the info they are receiving is correct. Congress also states that to be able to verify this information they actually have to have firsthand knowledge which means that they have to have the docs. 
# 3 Multiple accounts keep getting passed around from company to company and are also reporting multiple times concurrently which is illegal - only the company that actually holds the account can report it! 

Here is the body of my disputes to TransUnion : ** I want to know how the same collection accounts are being reported by different collection agencies as well as being deleted and the reinserted and then reported by a different one and then passed to another? How do accounts go from XXXX = XXXX UNKNOWN MEDICAL = XXXX = XXXX UNKNOWN MEDICAL XXXX XXXX XXXX XXXX? How is this even legal??? ** Only the company that actually holds the account can report the account and not even one of them has been verified! 

This XXXX XXXX XXXX account is showing a balance that is the wrong amount and you also have a date opened that is different than what the other XXXX bureaus are reporting! So how are you verifying this account? By someone saying that they see my name a screen? Seriously?? 

XXXX XXXX is also being reported as XXXX XXXX XXXX XXXX ( XXXX and TransUnion ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

XXXX XXXX is also being reported as XXXX XXXX ( on XXXX ) and UNKNOWN MEDICAL XXXX ( multiple times! ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

You added XXXX XXXX XXXX XXXX as 60 days late and # 1 I was not 30 days late and # 2 I 'm sending proof that you are reporting this wrong! XXXX has 30 days x3, XXXX has 60 days and TransUnion has 30 days and all XXXX have different open dates! Fix this immediately! 

I 've already stated that I do n't know what XXXX XXXX is nor XXXX XXXX XXXX! Where 's the documentation that proves that this accounts belongs to me!?? 

You 're reporting XXXX XXXX XXXX XXXX ( which by the way is unknown ) and XXXX XXXX is reporting the same account - they are XXXX different collection agencies and only the account holder can report the account! This needs to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

I had ma pay roll deposit into this account routing no. and routing account no, the depoist was never made, after the deposit was made and not returned, after talking with them only to find that a number of mistake were made, and no one seem to care about taking care of them, after calling them a number of times telling them what the people told me that put the money into the account. they would not looked into what i told them, they are telling me its going to take 3to5 business days before they give me my money, however my insurance is pay with that money, and also other bills, as well but this did not give them any means to find my money.