23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On XXXX XXXX, 2016 I went over Western Union web site to place and order for money transfer from XXXX FL to XXXX, XXXX. The order was posted and payed with Credit Card. Few minutes later a received an email stating that my money transfer is on hold until I contact them by phone. I made the call and the CSR told me that I must send over a photo ID to be kept on file for future transactions and verify my identity, since there was another person with my same name who was banned from making transactions with this company and they wanted to verify I was not that person. Since I realized that I have to send this personal information overseas, actually CS for this company works from XXXX, I decided not to do so, I do n't feel comfortable sending personal sensitive information over no where. I request my transaction to be cancelled and have not charge my credit card or reverse the transaction and give back the money that has been charged to my credit card. The CSR told me that he ca n't do that until I send over the information requested ( photo ID overseas ) or write down a letter of explanation to be send over to them, basically with the same information I was trying to avoid to send. I tried to find a phone number in the USA where to call, since this XXXX overseas seems not to understand why I did n't want to send my ID to them or that I was afraid of Identity thief. I contacted them also by tweeter and the response was the same, to call back to XXXX in XXXX. I decided to go to a Western Union office, and the person that attend my request in person was very understandable and offer to help me with XXXX and called them. He was very surprised to hear back from them what I was already told him about what they asked me to do, since I can show my ID to him, and copy my information but never keep a hard copy of my ID. Actually, when I registered on line my account with Western Union, I gave all information requested. At the end, I made another transaction, in person with this kiosk, payed this time on cash and the person in XXXX was able to cash out the money. So, my question, why is my money keep hosted? Since I was able to make this other transaction in person, why they still refuse to reverse the original transaction? I went over my credit card CSR and dispute this transaction in not receiving the service requested basis. I felt discriminated and alienated. My name is very common, but I do n't think that is reason enough to hold back a service, condition me because of my name, being stereotyped by my ethnic origin or place of birth. How many XXXX XXXX has the same problem?
Product: Checking or savings account

I have several transactions refunded by the merchant. They say they have not received the refund. I have provided screenshot and proof or refund. I asked them to dispute the transactions as refund not received. They won't do it. Their customer care representatives are every arrogant. They don't listen or refuse to escalate the issue. I have XXXX $ of funds they're holding up and not releasing to me. 

There is no response for complaint registered with them on XX/XX/XXXX.
Product: Bank account or service

Despite significant reprimands from the government, Citibank continues to screw its customers over. I am foolish enough to hold a mortgage with them, for which I pay over {$1200.00}!! PER MONTH in interest ... yet earlier this year, Citibank decided they needed to charge me {$30.00} per month for a checking account which I barely use. When I went to the branch manager to discuss the fact that I had been with the bank for over XXXX years, and that I was paying {$1200.00} in mortgage interest monthly, he refused to waive my monthly checking fee, and instead offered me a " basic '' checking account - XXXX which charges me {$15.00} for overdraft ( despite the line being attached, and which used to automatically cover overdrafts - which is what a line of credit was designed for ) and for every other " service '' they offer. The branch manager " explained '' to me that my mortgage balance did n't count because it was with a " different '' division of Citibank ... in other words, since the P & L was n't under the control of the bank management, the customer should be screwed. It 's very clear Citi should simply get out of banking because the morons running the US have no idea what they are doing. I will be closing my accounts this month. After XXXX years. XXXX XXXX, please, if you do nothing else, please get the stupid ex-Card management morons out of the banking business. They are destroying the XXXX.
Product: Credit card or prepaid card

This year i have had to replace two credit cards for online transactions because of Fraudulent web sites or company 's. Text today from phone # XXXX. 
This is the text as follows, XXXX XXXX XXXX : citybankN.A. We ' locked your debit card. 
Visit XXXX XXXX XXXX Thank You ; XXXX.
Product: Debt collection

My name is XXXX XXXX with the XXXX XXXX XXXX account number XXXX. This company tries to charge me on the equipments I already sent them back through XXXX. They provided me with a email that how I can send my equipment and I did exactly what they did. But after a while I saw a report on my credit report that I owe them money for the equipments. I showed the collection agency the tracking number and the case was removed from my credit report. But now again same report appeared with different collection agency for the same account again. Now I am not in the position of the tracking number after a year but Im sure the ups store does have the tracking number since they have contract with them. This act is a fraud because they want to charge me for something I already paid them back. I canceled their service after a week I used their service because of poor connection I had with XXXX XXXX XXXX. They also opened two account under same device for the same apartment number. They promised to escalate the process for me but every time I call them they wont get any result from them
Product: Vehicle loan or lease

yes get a hold of the XXXX XXXX on this account because this was to be a buy at XXXX for 84 months and the guy tried to pull one on me by putting this as a lease at 48 months at XXXX dollars a month so i lefted the vehicle there a the dealership and i did not want it because he lied to and now it is showing up on my credit report as dedit and i want it off of my credit because they where to throw the lease paper work up and this vehicle was lefted at the dealership and i do not want this new vehicle so get a hold of XXXX XXXX and get this off of my credit thanks you can call me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to fixed this suspicious information. I think you have not investigate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. These items was already included in my prior complaint and I included it again : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; MEDICAL Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " Investigation '' according to the FCRA. The term investigation consumer report means a consumer report or portion thereof which information on a consumers character, general reputation, personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more in accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated by how is that possible if the open date is inaccurate, the date last active is inaccurate, and laste last reposted is not accurate. This is ground or removal. They also violated the law because according to 15 U.S.C 1681 section 602A 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. I did not give anybody written instructions
Product: Credit reporting or other personal consumer reports

SYNCB/PPC # XXXX I am writing to formally dispute the unauthorized access and furnishing of my credit information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, a consumer reporting agency may only furnish a consumer report under specific circumstances and with the consumer 's written consent or under other lawful conditions. I have recently reviewed my credit report and noticed that my credit information has been accessed or furnished without my written consent. As per 15 USC 1681b, consumer reports may only be obtained for purposes authorized by the FCRA, which include credit transactions, employment purposes, insurance underwriting, and other permissible purposes. Furthermore, under 15 USC 1681c, the report must be accurate and include information based on authorized requests only. To rectify this situation, I am requesting the following : 1. Immediate Investigation : An investigation into the circumstances of the unauthorized access and furnishing of my credit information. 2. Correction and Removal : Removal of any and all records of the unauthorized access or furnishing of my credit information from my credit report. 3. Written Confirmation : Written confirmation that my dispute has been investigated and that any unauthorized entries have been removed from my credit report. Please conduct this investigation promptly and notify me of the outcome within the timeframe required by law. I have enclosed copies of my credit report. If this matter is not resolved satisfactorily, I will consider taking further action to protect my rights under the FCRA.
Product: Vehicle loan or lease

My name was XXXX XXXX I had auto loan with us auto they put vehicle on my credit as repossession while I still have vehicle and I had insurance with them and the vehicle was a total loss so I'll stuck without a car and it's a repossession on my credit why I don't know I need help the auto loan was XXXX I think it's ok my vredit report the went auto of business now we all have to suffer
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 information, other then records of convictions of crimes which antedates the report by more then 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: Credit reporting, credit repair services, or other personal consumer reports

A loan/credit card from XXXX XXXX is showing up on my credit report from XXXX. I was born in XXXX, which would make me XXXX XXXX XXXX and not of age to concent to someone using my social security number. Neither of my parents authorized this as well. XXXX XXXX says they cant find anything with my information on it and therefor will not help resolve the issue of it showing up on my report. I am in the process of purchasing a home and this negative mark is preventing me from the purchase. I dont have the luxury of waiting for this to be resolved, it needs to be done immediately so XXXXm able to show an accurate number for my credit score. Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to complain about Zelles handling of disputes within the use of this companys platform. Despite many disputes and issues Zelle and my financial institution failed me on numerous occasions by not fully investigating my disputes to the fullest. They told me I couldnt retrieve the lost funds back nor track the transactions to see who was using the funds unauthorized out of my account. The CFPB states that Zelle has failed many consumers and has allowed many fraud and scammers to continue to keep doing what there doing at the expense of the consumers. The lack of accountability and transparency on Zelles part is very unacceptable and raises a lot of concern about us the consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a dispute with XXXX financial which is my new servicing company as XX/XX/2022. They filed a negative reporting which by law of a new servicer can not furnish negative information to credit reporting agency loan transfers within the 60 days of the transfer. I spoke to XXXX financial on XX/XX/2022 about the reporting and they stated no negative reporting was filed. I wasn't incurred a late fee due to the statue.My mortgage was with XXXX XXXX prior which sold the loan to XXXX financial and theres discrepancies of payment etc that was placed on my account. My account should only start on XX/XX/XXXX XXXX and my grace period of 60 days has not expired. I made a payment to XXXX financial that was returned and then wasn't given a call to correct it, This was due to a bank error, not because of insufficient funds. A letter of delinquency was given prior to 45 days and thus I fall in the guidelines of the grace period where no negative reporting should be on my credit report. XXXX financial assured that I was correct and no reporting was filed. Today XX/XX/2022 a negative reporting was filed affecting my credit and my mortgage account. Im requesting this to be rectified and to update my credit report, removing the 30 days delinquency and reporting good standing according to fair credit reporting act.
Product: Debt collection

I attempted to cancel a monthly gym membership while the gym was closed due to covid restrictions. I first attempted to close by mail on XX/XX/XXXX but the gym was not accepting mail and my letter was returned as undeliverable. I then attempted to cancel by email but the email reply was an auto-reply saying the gym was closed! The gym was also not answering their phone. They gave no way for members to cancel while they were closed. Then when they re-opened they automatically started billing again and only processed cancellations after that. 

I have been receiving collection attempts from XXXX XXXX billing company, ABC Financial, who has never provided any information on the amount I owed despite my requests and my dispute of the validity of the debt. Their email bills to me showed a blank amount due ; I am attaching copies of two of these where you can see the amount due is blank. I never received anything by mail or email from either ABC Financial or XXXX XXXX showing an amount due. When I attempted to reach they gym directly, asking for validity of the debt that ABC Financial was attempting to collect, they did not reply to emails and my letter was returned to me as undeliverable. 

ABC Financial also continued to call my phone despite my requests for them to contact me by mail. Im attaching a phone bill showing their collection call on XX/XX/XXXX when I told them not to call my phone again. You can also see on the attached email correspondence that on XX/XX/XXXX I made the request in writing for them not to call me again. I'm attaching a phone bill showing one of the collection calls from them after I requested that they stop calling ( on XX/XX/XXXX ). 

They have now turned this account over to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a demand for financial compensation due to erroneous reporting and failure to prevent erroneous reporting after the information was provided in detail regarding the inaccuracy of the reporting. 
I have just suffered the inability to receive an extended offer of credit due to this relationship between XXXX  and XXXX, through which the passing of data, unverified through a system, has violated the rights provided consumers to fair, accurate, factual reporting of consumer data. 
XXXX, after being provided with proof and factual information and evidence of inaccurate information being reported on my credit file ( See XXXX XXXX XXXX XXXX   and XXXX  Deletion Demand.. attached as examples ) and has replied with a templated response each time. Although after each response, details of the information in my credit file were modified, yet, closed by XXXX  as verified as accurate by data furnisher. I have requested information regarding what the creditor has provided to verify the account from XXXX  how the conclusion was made. 
The account in question is now, once again, being reported very inaccurately and I have demanded the account be deleted from my credit profile. After years as being reported as closed and Charged Off, on XX/XX/2020, my credit report was updated and my credit score took a significant dip as XXXX, again, inaccurately reported this account as Open, 180 days past due, and with a $ XXXX monthly payment ( see XXXX attached ), when on XX/XX/2020, the account was reported as Closed, Charged off ( see XXXX attached ). 
Again, by law, this reporting is prohibited and, given that I have repeatedly advised XXXX  of this inaccurate reporting, XXXX   and has gained financially from the data furnisher as a paid client over the integrity of the service it is required by law to provide. 
I have requested on several occasions that XXXX  remove or properly verify an account on my credit profile. Each time the request was made, without any additional information provided to me as proof, XXXX has simply updated and closed each investigation as verified as accurate by data furnisher. 
I have no relationship with XXXX, I have no account with XXXX, I have not engaged in any actions to provide XXXX to conduct this non factual and fraudulent reporting. 
Given the numerous times Ive given to correct and perform as required, and the failure of these organizations/ corporations to do so, XXXX  and XXXX must delete this information and compensate me within 15 days of receipt of this request. 

Cc to Equifax and XXXX  if they fail to comply as well.
Product: Mortgage

After trying to get a Mortgage Modification since XXXX. On XXXX XXXX, XXXX I received a " XXXX Modification '', with the new principal balance of my note to be {$270000.00}. With a interest rate of 3.5 %. I am to pay this note for 19 years with a final balloon payment of {$180000.00}. Due and payable on the new maturity date. I also must have my signature notarized, and return the documents to Chase Bank by XXXX XXXX, XXXX, or I would no longer be eligible for this modification. My XXXX XXXX, XXXX Loan Overview, from Chase Bank, shows my Original Principal Balance to be {$170000.00}. My Unpaid Principal Balance of {$180000.00} At a interest rate of 7.36500 %. My Escrow Balance ( {$20000.00} ) My Unapplied Balance {$940.00}. And XXXX XXXX Balance of {$9100.00}. ( Minus my Unapplied Balance of {$940.00} ). This total is {$210000.00}. 
This " modification '' puts me in worst shape than I started out. It does not make my " XXXX XXXX ''. In the modification documents, Chase Bank does not state, why my Principal Balance was increased, by {$69000.00}. The web-site XXXX, shows my home to be worth, {$210000.00}. 
This " modification '' puts me upside-down, in the housing market. With no chance of refinancing to a VA loan for which I am eligible. Also I expect my home-owners insurance to increase substantially, due to the substantial increase of my new Principal Balance. 
How can this be a " XXXX XXXX Modification ''.