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

Remitly is the money transfer company. Ive sent {$500.00} to XXXX express however the account number fo the recipient was incorrect and the transfer was never finalized. Yet Ive received a receipt from Remitly showing the money was delivered successfully. I have all the records on my phone and pictures of the transfer transaction. 

Since then Ive corrected the account number and sent and addition {$100.00} to see if it would be delivered with no problem, which it was. 
All this started on XX/XX/2020 and I have been talking with Remitly several times but theyre giving the run around- saying theyre are working on it as Ill know in 4 hours. I need help in disclosure this unsafe and dishonest way of dealing with American citizens. I cant afford to loose money. 
Please contact me if you can help further - I do have evidence of all transactions made. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is reporting updated payments and inaccurate information including date last active and last reported dates on an account that was closed almost immediately after opening it. I have complained about the credit bureau inaccuracy with the bureau as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. My personal non public information was shared by XXXX, XXXX, and Equifax, without my full disclosure or written consent. My personal right to privacy has been abused and violated under the Gramm Leach Bliley act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next XXXX business days as stated under lawXXXX 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

I informed the Portfolio Recovery Assoc that they and XXXX XXXX XXXX are trying to collect on the same debt. I have also informed my own State 's Attorney General of this in appropriate and double jeopardy they are causing Americans. If I have noticed this, how many other Americans has this happened to, and have just paid the amounts to feed the machine to make them richer?
Product: Debt collection

This Account was opened fraudulently and not by me. This is a violation of my rights as a consumer. I am human. There is no 3rd party involved. I have reported to FTC. There are duplicated fraudulent accounts. I have attached the FTC Report. The following accounts need to be removed from my credit profile ASAP. 

Following Fraudulent Duplicated Accounts : XXXX XXXX XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Credit card or prepaid card

Chase has lowered the credit limit of both of my cards to the current balance on the cards and are charging over {$100.00} a month in interest. They are trying to say reasons that are not fair or true. This is lowering my score and my DTIR. They are telling me the only way they can offer to fix it is to hard pull my credit report and that they can not offer any other options. They told me they could not offer to send me the information about the reconciliation program in writing either, and I could accept it or deal with the lowered credit limit.
Product: Money transfers

Failure to help with issues regarding a foreign currency wire transfer from family I 'm a XXXX dad and have been with Bank of America for about 10 years, receiving foreign wire transfer from family abroad on a monthly basis. My dad sent money for the Holidays ( on XXXX ) which was not received on the account after more than a week ; I reached out to BofA on XXXX where an agent told me compliance reviewed the issue and I would get the money within a day ; called back on XXXX after no receiving it and being told that compliance would reach out to me with questions. I called on Tuesday XXXX where an agent promised to reach compliance to find out what questions they needed - I got a call back from the same agent who collected some information and promised the issue was no resolved. The agent also said that compliance had noted an email sent to me on XXXX, however I could not find it in my inbox, spam folder, or deleted messages folder. On the next day ( XXXX ) I called again and was told that the compliance department still needed information - but was n't told what information, or how to provide it. After asking several times for contact information I was told that the compliance department had " no phone number '' and could only be contacted via email - but only internally. I was then transferred to a different department where an agent told me the whole process of reviewing the transfer had n't even started - and then transferred me once again back to the original department where an agent told me there was no way they could help me. I called again on Thursday, XXXX where an agent at first told me that " compliance needed information '' but that she had no way of finding out what it was. After I told her I had provided information on Tuesday she told me that " in that case they are probably reviewing that information '' but that there was no timeframe for releasing the money. I was once again told there was no way to contact anyone directly, and that the only thing she could do was request a call be made to me ( which XXXX other agents did before as well ). As a XXXX dad I depend on financial support from my family in XXXX ; because of this issue I am already late on a mortgage, and through the whole process I have not been able to talk to anyone in the department actually in charge of the problem. 

As of XXXX, almost 3 weeks after the transfer was initiated, I still have not received the money and no one from B of A has contacted me ( despite promises to cLl back within 24-48 hours given on XXXX, XXXX, and XXXX ).
Product: Credit reporting or other personal consumer reports

This personal information does not belong to me, please help me to remove these information. I have added my id proof of address and social as supporting.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX 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 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 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 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 XXXXXXXX XXXX U.S.C 1681 SECTION 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 609a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. 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.

15 U.S.C. 1681b ( a ) ( 3 ) ( A ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of the consumer, or
Product: Credit card or prepaid card

Citibank says that I was charged too late fees one of {$35.00}, one of {$27.00}. My regular payment amount is {$68.00}. XX/XX/XXXX total {$150.00} XX/XX/XXXX XXXX. Difference each month of {$88.00}. {$120.00}. 
The representatives at the bank over the phone did not tell me accurately about my account so I could not access the response to give properly when talking to them. Including the manager this also differs from what the XXXX XXXX wrote in the letter reply. XXXX XXXX claims they can not refund only the {$27.00} because there is no record, however it is not a customers fault there is no record. Also there was no explination as to the extra charges because {$27.00} and {$35.00} total {$62.00}. I was charged way ore than that. 
As well, in one month I believe XX/XX/XXXX. I had asked the rep when making the phone how much I needed to pay to pay the balance she told me the wrong amount when I paid the {$10.00} payment. Then made the payment, if the person told me about the other {$5.00} I would have paid that but they did not. The person also did not explain not paying the fees would cause another late fee. I was not told this by any representative when I called. When I was told that the late fee would be creditied they told me it would take a couple of days to come back onto the account so I assumed I would not have to pay the full balance on the bill for the fees. Again XXXX XXXX thinks because the bank didn't note it that I didnt ' say anything, but the bank can see that I called and they can see I spoke to the manager. They can also see I made the payments and that I didn't pay the extra charges/ fees. It is lame excuse on XXXX XXXX to say they can't find a promise to credit it, however just the {$27.00} is not making up for the total amount I paid extra for some reason why was never explained. 
From this experience, I will now make a representative make a notation on the account, I will no longer just " trust '' what the person says.
Product: Credit reporting or other personal consumer reports

The following inquires are lowering my credit report and prevented me from obtaining bank funding 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 Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information. My name is XXXX XXXX there should be no other name listed on my report AT ALL. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. There should be no other addresses on my report. I demand for each XXXX, XXXX, and Equifax to should be the papers where they have authority to report this information and where it was verified from. My name is copy righted property and neither have permission to use it in the manner they have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account # XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account # XXXX Delete this account. 
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account number XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account number XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account # XXXX Delete this account. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

When I initially bought the car, I was told that I would be able to refinance the car in 6 months. That is not true. The car was sold to me for almost double what it is worth at a 17 % interest rate. No one will refinance the car. I reached out to Stellantis on XX/XX/year> to talk about lowering my payments and or interest rates and I was hung up on. I am unable to purchase a home because of this car loan. I was also required to put down a {$2500.00} down payment that did not go towards the auto loan.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I regularly check my credit report, but this time, there were discrepancies that appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the inaccurate accounts remained. I'm now requesting that the documents Ive submitted be carefully reviewed so I can stop worrying about this issue.
Product: Vehicle loan or lease

Found the vehicle that I wanted at XXXX XXXX via XXXX XXXX  Called to confirm availability XXXX XX/XX/2021 XXXX. Once it was confirmed available, I did a pre approval through XXXX XXXX. I contacted the dealership shortly after they opened ( XX/XX/2021 ) and was put in touch with a dealer by the name of XXXX. I gave him my pre approval number and I was told that the ball was rolling on the purchase. Even got a call from the finance department telling me to come pick up the vehicle. 15 minutes later, I got a call from XXXX saying it was already sold. 
After that, I got a notification from XXXX XXXX that I had a new credit inquiry from the XXXX XXXX. I found out that they ran my credit even though I was already pre approved through XXXX XXXX. Over the next 2 days, I had 2 more inquiries added to my credit report. Now XXXX wont reply to my text or answer my calls and finance department wouldnt pick up until I called from a different number. When I talked to the finance manager, I asked why my credit was ran after I already had a pre approval and he said that the interest rate that I was given wasnt good for me and that he didnt know anything about me and claimed that XXXX XXXX didnt send any of my info over so they had to run it again. 
The car is still available on XXXX XXXX and their website as of XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Company purchased alleged debt that they assumed was mine and in fact doesnt belong to me. In fact Debt belongs to the United States according to 18 USC 8 as defined The term obligation or other security of the United States includes all bonds, certificates of INDEBTEDNESS, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, BILLS, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Alleged debt company is illegally furnishing is considered bills or certificate of indebtedness as stated above so its factually impossible for alleged debt to be mine when the UNITED STATES says its their obligation, not a consumers. 

Company also violated my privacy rights by furnishing personal information without my written consent as my consent is required by law for any person to furnish information regarding me as stated in USC 1692 ( c ) Communication in connection with debt collection- ( a ) ComMUNICATION WITH THE CONSUMER GENERALLY 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- I never gave company consent for such illegal activity.
Product: Mortgage

How do they come up with these figures. They advertise No Lender Fees and a {$1000.00} Off Closings Costs. How does that come up to {$4500.00} to {$6500.00}??? I would imagine the typical lenders fees would be {$1000.00} with an additional {$1000.00} credit that's more like {$2000.00} where are they coming up with {$4500.00} to {$6500.00}?? I don't understand the math.
Product: Money transfer, virtual currency, or money service

I am complaining about Venmo. I opened an account and in order to send money, a bank account or debit card must be linked to your Venmo account. I tried to link my bank account the first time on XX/XX/2022. It was declined, raised a red flag and my Venmo account was frozen. I contacted support who asked me to upload my photo ID and bank statement showing the account number and a recent transaction. I did that and was told my account was unfrozen and that I could add my bank account now. The same thing happened when I tried again. I contacted support and went through the same process just explained several more times. Screenshots of all email communications are attached. They tried to say it was just my bank account that was the issue and suggested I try another card not associated with that bank account. I tried two other debit cards not associated with my bank account and got the same result. 
My case was escalated to someone else after many failed attempts. Their final response was that their system is declining my attempts to link my bank account and debit cards and they can not override the decline. This is absolutely ridiculous. I have my bank account linked to many other payment apps and have never had a problem like I have had with Venmo. I use PayPal, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXy, XXXX XXXX, XXXX payments, etc. My cousins XXXX XXXX XXXX daughter just passed away from XXXX and donations for the memorial fund were being collected through Venmo and I wanted to donate along with the rest of the family. I was the only one in my family who had an issue. I feel like Venmo does not care and that is no way to treat a customer. There has to be something they can do. I have never had to jump through so many hoops to try to use a service before.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

I detected fraud on my Macy 's account. I called immediately to close my Macy 's and Macy 's XXXX XXXX account. My accounts were not closed although I called three times to ensure they were. I had to contact the executive offices because of Macy 's failure to honor my request.

I specifically told each employee and the executive office representative that I had been promised letters of closure which never arrived. I also informed each employee that I did not want to retain a Macy 's account and I did not want a card issued. 
Despite my instructions to close the account and NOT issue any replacement cards, I received a Macy 's XXXX XXXXXXXX XXXX in the mail and my Macy 's online account reflects Macy 's opened a store card in my name.

Despite my clear and explicit instructions, Macy 's sent me the Macy 's XXXX XXXX card without my authorization or permission. 

Thank you for your assistance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an unauthorized inquiry that TransUnion has reported on my consumer report. This inquiry, which I believe violates my rights as a consumer, has raised significant concerns about the security and accuracy of my personal financial information. 

On XX/XX/23, I accessed my TransUnion consumer report and discovered an inquiry made by [ XXXX XXXX XXXX ]. I have no knowledge of or affiliation with this entity, nor did I provide any authorization for them to access my credit information. This unauthorized inquiry is both unsettling and potentially damaging to my financial reputation. 

I kindly request that the CFPB investigate this matter thoroughly, as well as ensure that TransUnion takes the necessary steps to remove this unauthorized inquiry from my consumer report promptly. I believe that the CFPB 's intervention is vital in rectifying this situation and preventing such incidents from happening to other consumers. 

Enclosed with this letter, you will find copies of my TransUnion consumer report highlighting the unauthorized inquiry in question, as well as any correspondence between me and TransUnion regarding this matter. 

I appreciate your prompt attention to this complaint and your commitment to ensuring the accuracy and integrity of consumer credit reporting. Please feel free to contact me at [ Phone Number ] or [ Email Address ] if you require any further information or clarification. 

Thank you for your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the Equifax Credit Bureau XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian- XXXX- Several inquiries reported last year in XXXX that were not authorized, I submitted a letter in writing but was unable to get any resolution.