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

On XX/XX/XXXX at XXXX XXXX., I recieved an e-mail from Western Union saying my Money transfer is being reviewed.  When seeing this I thought, this must be a scam email because I never sent any money and hardly use Western Union.  I received a secondary email shortly after, XX/XX/XXXX at XXXX XXXX., saying my transaction must be further escalated for review.  At this point, I decided to call Western Union and find out more.  It appears as though someone hacked in to my Western Union account where my banking information was saved and attempted to send $XXXX to XXXX.  I was transferred to the fraud department where they asked me WAY too much information such as my bank account information, my address, etc.  She said not to worry, transaction will cancel and  I will be refunded. I proceeded to remove my information from the Western Union website and change my password.  I then called my bank and notified them as well and made a claim.  I waited the 7 Business days western union recommended for a refund and never received.  I called back on XX/XX/XXXX and they told me the amount was already refunded to my account. I called again and they told me oh we will need you to send a copy of your ID.  I refused because at this point  I do not trust the company!  I received more emails asking to send a copy of my ID so that they can finish the TRANSFER to XXXX.  I refused to send my ID for both those reasons. One i do not want the money to be transferred, two I do not trust Western Union is doing their job correctly and is misleading me.  I checked my bank again multiple times and did not receive a refund.  I called my bank and they assured me not to worry as my claim is already completed through them.  As of today, XX/XX/XXXX, I still have not received a refund, BUT, I received an email from Western Union again saying my transfer has been completed and is available for pick up for the receiver in XXXX.  At this point I have become Enraged.   I logged on to the website, it shows the transfer is complete and the receiver should bring in ID to pick up the money.  I chatted with a representative at western union who told me not to worry, the money is not available for pick up and the refund process has started and will take about 7 business days.  So now, we are back to them saying 7 business days.  I have been hearing so many different things.  I am missing $XXXX from my bank account, and western union has not given me one straight answer from the start.
Product: Credit card

I called American Express to have a fee of {$29.00} removed from my credit card account, As this is the first returned fee never have I ever had a problem from the date the card opened. American Express states that money was not available in my bank account the time they wanted to draft a {$100.00} dollar payment so a returned fee of {$29.00} was applied. I found that this was inaccurate I had more than enough money for them to draft now they have a freeze on my card and my payment of {$100.00} has already went through. American Express is showing unfair practices towards me the consumer. 
I want the fee of {$29.00} waived. 

The payment was made on XX/XX/ and they show the above returned payment was XX/XX/ how can that be. The payment already credited my bank account same day of XX/XX/.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SELF/XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

XXXX XXXX XXXX this Pentagon Federal Credit Union debt ( I don't know if it's for the credit card or personal loan, but those were also included in my XXXX filing. I filed for XXXX Bankruptcy on XX/XX/XXXX and XXXX XXXX XXXX was included in that filing. I no longer owe this debt. I asked my Bankruptcy Law Firm today, XX/XX/XXXX to send a " Cease and Desist '' Letter to XXXX XXXX XXXX. The amount of the debt is {$16000.00}. I don't recognize the last XXXX digits of the account listed on the credit report given. This could be my credit card or personal loan, that I no longer owe due to filing this Credit Card in the bankruptcy. This Debt Collection should not even exist and they need to " Cease & Desist '' the debt collection attempt for a debt I no loner owe due to XXXX Bankruptcy that was filed on XX/XX/XXXX, and Pentagon Federal Credit Union ( all accounts ) were included in the filing and even the debt collector XXXX XXXX XXXX. Any further collection is tied to that filing. This debt collection needs to stop and dropped from the open collections portion of my credit report.
Product: Credit reporting or other personal consumer reports

I sent letters to the credit bureaus to get the following inquiries removed:
EQUIFAX:
XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24
XXXX: 
XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XX/XX/24
Product: Credit reporting, credit repair services, or other personal consumer reports

I cannot attach an application or other documents other than the image from XXXX   because I was not provided any access to the documents or interviewed at any time by a loan officer. Proper Loan company pulled a credit inquiry lowering my credit score XXXX  points and denied my application prior to the application being filled out with complete financial information I they did not allow me to provide. I am a member of XXXX. I received a notice from them that Prosper lending company had "pre-approved" me for approximately a 6% personal loan. I was going to pay off some credit cards with this. I filled out the application, however, I had some business details that I could not upload, and also some other financial information. For instance, we paid off a XXXX  loan a few days earlier, and they wouldn't have seen that payoff. I contacted them on XXXX XXXX by phone, as they had left a message. I contacted them twice speaking to employees, and they could not forward me to the persons who called me. I explained that I had not completed the application for the loan, and I need to provide the information they need to grant the loan. Yet, instead, I received a call that they denied me the loan without any offer to allow me to complete the loan application. I was never interviewed by any prosper employees regarding this loan application and ultimate denial. It is arbitrary to negligently send derogatory inaccurate credit information to reporting agencies. This company did a bait and switch advertising and is harming peoples credit score without allowing people to complete the financial report application. I have a credit score of XXXX, and this is reported without the acknowledgement of a XXXX debt that I recently paid, but not yet reported, which is typical and they should have asked me questions, and they did not even allow it. Also, I was denied in the application the ability to report an additional XXXX  income from business that I could not get the financials for due to the holidays.
Product: Credit card

Someone has pretended to be me since XX/XX/year>. They are requesting cards under my name to be sent at a vacant address to receive mail. So far they have received more than {$5000.00} from my credit card advance from an ATM at XXXX XXXX. They have tried purchasing something from XXXX and also was connecting my credit card with an account with chime debt that they have. This is happened to me XXXX different times now and my credit card was never closed after I informed them several times to close the cards. I contacted the XXXX credit bureaus also and it doesnt seem like theyre doing their job either. every time I receive my card in my mailbox they are also receiving other cards in their mailbox under my name so therefore then all the credit cards need to be shut down if they are shut down after calling them several several times to do it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 sec 602 I have right to privacy15USC sec 604 states a consumer report agency may not furnish an account without written consent. 15USC 1681 ( a ) ( 5 ) no consumer reporting agency 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 7 years please move this account
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/2024, I did a {$170.00} transfer from Chime to my local credit union. The account was linked via XXXX, so it was set up correctly. 

Chime claimed they sent the transfer, but they never did. No funds were received to my credit union account. 

I filed a dispute with Chime, they closed it saying no mistake happened and they said they communicated with the receiving bank. 

However, I worked at my credit union, and I have friends who still work there. They did not contact anyone. 

Chime lies and does not send out the funds they said they do.
Product: Debt collection

In XXXX of XXXX  I was told that I had 60 days to vacate my apartment at the end of my lease for reasons not known to me. I had applied for rental assistance due to having hours cut and eventually laid off during the pandemic. My lease was supposed to be up in XXXX but the rental assistance paid up through XXXX. Instead of notifying me of the extra payment the apartment complex owned by XXXX XXXX XXXX took the extra month 's rent ( paid up several months in advance ) and told me I had to leave. During the process of moving out the staff at XXXX XXXX in XXXX Oklahoma continuously harassed me telling me to get out and even consulting my boyfriend at the time who was not on my lease about how they were going to get me for my credit because I supposedly owed them a {$75.00} late fee, which would have been included in my rental assistance that was paid up for several months. I left XX/XX/XXXX like they told me to but they still charged me for XXXX rent and filed an eviction on XX/XX/2021. I did not live at that residence and I was unaware of the filing but I called the courthouse and sent them copies of my new and old lease. The case was dismissed and no eviction was ruled in their favor. Some months later they filed with Hunter Warfield collection agency. The charges they included were eviction fees which were fraudulent, XXXX rent which was also fraudulent, damages to the property that I had already told them about when I moved in such as holes in the countertop and a dog chewing on the window sill. They charged me for keys that I put in the night drop box when I left, they charged me for a missing shower head that was under the sink, damages that I had complained about and they did not fix, etc. I filed a dispute about this account being fraudulent and it was removed from my credit report. Now Hunter Warfield has somehow reapplied it to my credit and when I disputed it again they just increased the balance by a dollar. I will not be held responsible for illegal charges just because this greedy, unscrupulous and harassing apartment complex has access to my information. I intend to sue both of them if it isn't removed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX to XXXX on XX/XX/XXXX. 
The allegations of the complaint have been investigated. Protecting consumer information is of paramount importance to XXXX. XXXX XXXX XXXX has submitted her drivers license and an ID Theft Report to XXXX. XXXX needs XXXX more additional document in order to continue the investigation : XXXX. Signed Police Report stating ID Theft As such, our investigation will include, but not be limited to, contacting the issuing Police or XXXX Department to confirm their representation of the submitted materials. 
XXXX XXXX XXXX, has been reporting fraudulent account information on my credit report for several years, and the loan accounts are identical accounts with account numbers are the exactly the same account numbers, dates accounted opened are 4 months difference date opened XX/XX/XXXX and date opened XX/XX/XXXX. 
XXXX XXXX XXXX, {$430.00} Closed XXXX potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan XXXX XXXX XXXX {$430.00} Closed Exceptional payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan I am requesting a copy of the credit application with signed signature for both accounts. The Fair Credit Reporting Act ( FCRA ) 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. Also, I have provided to XXXX XXXX XXXX, FTC Identity theft affidavit, copy of driver 's license, and also provided them with the XXXXXXXX XXXX Police report number # XXXX, XXXX Police XXXX. XXXX XXXX phone number XXXX XXXX XXXX, for police report information or to obtain a copy.
Product: Credit card

Booked several domestic flights for my trip to XXXX using my credit card rewards program, Citibank ThankYou Premier, using their own website that is advertised when accessing the Account. I was assured I 'll get protection from all parties : the agency providing the travel, the Rewards program and the credit card ( as it offer some travel benefits ). 
During the trip, I had an issue with XXXX flight, that was cancelled. 
I tried, for several times, to contact all of the above mentioned providers, using the phone numbers they provided. All numbers were blocked for collect call, contrary to what they advertised. I tried to place collect call through at least XXXX providers : XXXX, XXXX and a local phone operator. All of them informed all numbers were blocked, and I was unable to contact any of them. There was not option to contact them online. The Travel Operator did not reply my twitter message asking for help. 
The numbers provided and called are : Travel partner ( from their confirmation email ) : Outside the U.S., please call collect at XXXX Citibank ( printed in the credit card itself ) : INTL COLLECT : XXXX. 
I spent one hour trying to contact them, got very frustrated with this situation, and was already stressed by the flight cancellation. I returned to the airline counter and was informed I have to deal directly with the travel agency ( credit card/rewards ) since I booked from them. 
I was left without any assistance. 
I have to say I 'm lucky it did n't include a health issue. The credit card claims they provide this and other benefits. I 'm happy I did n't have to rely on them for anything else. 
Anyway, I absolutely regret using Citibank services, and next time I know I have to use my XXXX XXXX XXXX card for all travel related purchases. Citibank is an enormous failure. This is not the first time Citibank disappoints me. When I opened the account, I also had an issue having the card delivered and Citibank did nothing to remedy the situation. 
I need to be partially refunded for this lack of assistance and for the frustration and additional stress it caused. If I 'm not compensated to my satisfaction, I 'll obtain a extract of the call attempts and take it further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifix had a database breach and I was effected by it. All 3 of my credit reports were effected Equifix, XXXX and XXXX XXXX inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with equifix
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX TEXAS XXXX Re : Dispute and Demand for Removal of Late Payments from My Credit Report Account Number : XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the late payments reported by [ XXXX  XXXX ] on my credit report with Experian. I have been disputing this matter through the CFPB, and while I have received a report indicating that the information has been verified, I have not received any proof or detailed documentation supporting this verification. This lack of response, coupled with the lack of evidence, is a clear violation of my rights as a consumer. 

The late payments in question are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As you are aware, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, consumers have the right to a thorough investigation into reported information and to receive clear documentation supporting the accuracy of the late payments. However, Experian has not complied with these requirements, sending me only a credit report with no proof of the investigation conducted. This is not only a violation of the law but also a violation of my right to privacy and to accuracy in my credit report. 

Additionally, I already sent a formal letter to XXXX  XXXX on XX/XX/XXXX, requesting the removal of these late payments due to the lack of evidence. I have not received any response within the time frame stipulated by law. This lack of response from the creditor further reinforces the lack of validity of the reported late payments. 

Under the FCRA, if the accuracy of the information on my credit report can not be verified, it must be removed. Therefore, I demand the immediate removal of these late payments reported by [ XXXX  XXXX ] and the updating of my credit report to reflect accurate and positive information. 

If EXPERIAN can not provide evidence of the accuracy of this information or does not conduct a proper investigation, I will be forced to take further legal actions, including formal complaints with the FTC and the CFPB, which have already been filed. 

I expect a prompt resolution of this matter. If this issue is not resolved immediately and in accordance with the law, I will proceed with the appropriate actions to enforce my rights. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX Last XXXX SSN : XXXX Enclosures : Copy of the letter sent to [ Name of Bank or Provider ] Copy of the credit report showing inaccurate late payments Copy of the complaint filed with the FTC Let me know if you need any further adjustments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to extend myself a credit card through XXXX XXXX followed by American Express. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, XXXXXXXX XXXX, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.
Product: Mortgage

I'm filing a complaint against PHH Mortgage, the parent company being OCWEN as I understand. I received a letter from PHH dated XX/XX/XXXX as I do annually from PHH for my condo office to submit the Master Insurance Flood policy for our building for which the condo office always send promptly. They actually sent it twice as they initially said they didn't receive the insurance policy. The last submission by the condo office was sent XX/XX/XXXX. Our condo office complied with the statewide increase in Flood Insurance by giving us a Special Assessment over a year ago for each unit owner to pay thousands of dollars extra for the new statewide increase for Flood Insurance for which I paid. Last year it was fine when PHH received the new Master Flood insurance policy from our Condo office. There has been no other increase in flood insurance for this building as the office would notify us. Now all of a sudden, this year PHH wants to Force Place Insurance on me and other customers. The PHH letter on XX/XX/XXXX states the deficient Coverage Amount is XXXX. This makes no sense that our condo building would not be compliant and it needs to be investigated. Besides, I live on the " XXXX floor '' of my condo building and have never had a flood. This issue has come out before with insurance and mortgage companies trying to do these unprofessional things with customers in condo 's filing complaints as I read, especially for owners on floors higher than the XXXX floor it was over turned and these companies were not allowed to these unethical things. Someone needs to notify PHH of this. I contacted the FEMA Insurance office today XX/XX/XXXX and explained the situation. They felt PHH was " over stepping their bounds '' with asking for money for more Insurance coverage from me when my condo office for the 2nd year has submitted proof of increased full Flood coverage regulated by the state of FL and PHH has this Master Flood policy on file. FEMA Insurance dept., asked me to immediately contact FFIEC and have this examination council to check into PHH mortgage practices. I told the FEMA office I would do this as well as contact your office to file a complaint. As you know from experience going back before XXXX, these Mortgage companies and Insurance companies have both conducted some shady operations with their customers and this one defiantly doesn't seem to be legitimate to me. I am hopeful you will send a letter to PHH or direct me on how to handle this with your support to show the filing of this complaint. Please let me know in the best way possible what to do with PHH Mortgage. I look forward to your reply. Thank you.