23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I sent XXXX to someone with XXXX in XXXX, XXXX last XXXX XXXX, 2015 though my bank. It was international money transfer. I came to know that i sent it to him by my mistake. I had called XXXX several times to send it back to my account but they kept telling me to talk with him for his approval but i dont know him. I dont have or dont know his phone number. His bank told me to send an email to them what my problem was. so i emailed to them several times and they ignored me for a long time. I was angry. When i called the bank, i needed my money back asap and they said they cant do anything because they said i am not a XXXX customer and i must speak to the receiver. I was stuck and told his friends to communicate with him for me. He was so angry because he was not allowed to give me his phone number then he decided to close his account after he told his bank to transfer my money back. His friend notified me that my money was on way to my account but the fund was never wired for XXXX months!!! I even stopped by my bank about that many times so my bank contacted their wiring dept to request what happened to my fund and where it was. They found that my fund IS STILL AT XXXX ACCOUNT. My bank from XXXX different locations requested it to XXXX to wire it back to my account several times but XXXX refused to do it for no reason. Why?
Product: Credit reporting or other personal consumer reports

An or around XX/XX/XXXX I called Experian and asked to be removed for unfair credit reporting accounts that had been closed some for years read as open the representative was uncooperative. Telling me I can't opt out of service with them an he doesn't have to stop reporting my credit I asked for a signature or contract to confirm the accounts. I was then told one didn't have to be provided I also asked for a 1099. I also informed him of the hard hits my credit being ran by multiple companies to different lenders XXXX to XXXX in XXXX day without my authority. I received no clearance of the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Reported : XX/XX/XXXX - {$500.00} Closed Overview You're currently using 169 % of your account 's limit. 

Balance {$500.00} Credit limit XXXX XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$500.00} Worst Payment Status No Info Account Details Account status Derogatory Type Credit Card Responsibility Individual Remarks Charged off as bad debt Dispute resolved; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX
Product: Debt collection

Santander Consumer USA Acct # XXXX $ XXXX IRS Publications 4681 ( 2021 ) Canceled Debt, Foreclosure, Repossession, and Abandonments. IRS clearly defines a charge-off as a gross or ordinary income. Income does not get reported on the consumer report which in fact Santander is reporting. Santander is reporting as well they sold the debt to a third party and they are reporting as well. 


15 US Code 1681n Civil Liability for willful non-compliance A- ( A ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER DUTY AS A RESULT OF FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}, OR ( B ) CIVIL LIABILITY FOR KNOWING NONCOMPLIANCE ANY PERSON WHO OBTAINS A CONSUMER REPORT FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWINGLY WITHOUT A PERMISSIBLE PURPOSE SHALL BE LIABLE TO THE CONSUMER REPORTING AGENCY FOR ACTUAL DAMAGES SUSTAINED BY THE CONSUMER REPORTING AGENCY OR {$1000.00}, WHICHEVER IS GREATER. 
C- Reporting information with actual knowledge of errors
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Card Was paid in full on time I cant disclose it still showing
Product: Debt collection

I was seen at the hospital XXXX I have the billing clerk my insurance information she used the old one in the system and never update the correct information I gave I have disputed this and called the hospital to dispute thus and have not received the resolution. I shouldnt have to pay for a bill that I had insurance
Product: Debt collection

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2500.00} does not belong to me. This account was fraudulently opened through  this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I paid off a debt in the amount of {XXXX} in full that I owed to XXXX XXXX on XX/XX/XXXX using debit card number ending in XXXX. Confirmation number XXXX was provided for the payment. Additionally, the payment posted to my account on XX/XX/XXXX Mccarthy Burgess advised that I would receive a receipt for the payment for my records shortly after making payment. I made an additional call around 10 business days later asking for the letter in which they advised that I was provided the wrong timeframe on the phone and advised a receipt would be mailed to me. I am here in XXXX still awaiting the receipt that allegedly be emailed to me. It is important to mention that my credit report shows XXXX XXXX transferred the debt and charged off as a loss. No where on my credit bureau does it show that the debt was paid. I need proof that the debt has been paid in full and issues with the credit bureau corrected. If the later issue needs to be resolved with XXXX XXXX  please respond in writing so I may dispute with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Became aware of Equifax breach on XXXX XXXX, Checked Equifax site and found my credit information was compromised. XXXX Put a freeze on my credit at all 4 credit bureaus and a fraud alert at XXXX XXXX XXXX Registered with Equifax and received message to get back to them on XXXX XXXX. Signed up for the " Free '' Equifax TrustedID Premier credit monitoring. 

Have not received any confirmation E-mail, Phone call or letter that I have an account established. Have checked on line at Equifax and the site shows I DO NOT HAVE MONITORING. I have tried every phone number I can find for Equifax ( 5 numbers ) and only the XXXX one is answered. They told me to call the US number ( one of the 5 ).
All are automated to sell products.
I want confirmation that I have " FREE CREDIT MONITORING ''.
I want a phone number for Equifax that is answered by someone in the USA.
I want FREE LIFETIME CREDIT MONITORING.
Can the Federal Government provide a number ( that will be answered ) where I can get a straight answer to my question from Equifax? 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying for a monitoring service from XXXX XXXX XXXX/Experian for the past 2 years and I have not been able to get all 3 scores only Experian .... but I am still being charged every month. Despite the excessive hold time .... I still call them and I am being told that XXXX does not have my correct social security number. I have called XXXX and they have not been able to assist me even after I have sent them a copy of my social security card and my DL. I can't get my score from XXXX either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get rid of fraudulent accounts since XX/XX/2020 XXXX and Transunion seem to not be able to report accurate information Transunion XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX  XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX XXXX Credit Card still showing - needs to be removed ( Showing as Open and Current but has been in default since XXXX ) ill enclose my Driver license social security card and original identity theft report from XXXX
Product: Money transfer, virtual currency, or money service

Have had account with PayPal for 3 years, attempted to use my debit card to withdraw money, check out at the register and attempt cash back, card declined! They said I had too many small outgoing transactions [ XXXX XXXX  ] and 1 large incoming transaction [ XXXX XXXX XXXX ] I have contacted PayPal every possible way, no reply from cutting support, waited 35 minutes on hold for a supervisor, then his advice was send the money to another person! I ended up sending the money to myself through XXXX at the cost of {$5.00} from my money!
Product: Credit card

In early XXXX, I opted into an Amex Offer for spend {$450.00} with XXXX, get {$90.00} back. I read the terms and conditions, and I made sure to make a purchase directly on XXXX 's website and app. On XX/XX/XXXX, I made three purchases directly with XXXX that were well over {$450.00}. For one of those purchases, I used XXXX XXXX to make the purchase, not thinking anything of it. Two weeks ago, I called Amex and they told me that it will just take time to receive the reward, but I will get it. When I called again today ( XX/XX/XXXX ), they let me know I am not eligible for the reward because I did not make a purchase directly with XXXX since I used XXXX XXXX. They read me the Terms & Conditions, and there is one small line in there that says " through third parties. '' I had no idea that using XXXX XXXX is making a purchase through a third party since I was making it directly on their website. Additionally, on their website, they explicitly say regarding XXXX XXXX : " Yes, you receive all of the same rewards, security, and benefits of your American Express Card when you use it with XXXX XXXX '' ( Link here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). All the representative was able to keep repeating was that this one Amex offer had different requirements. Not only is this completely deceiving but it is also not acceptable to expect laypeople to know that making a purchase using XXXX XXXX directly with a merchant is a third party.
Product: Mortgage

Our home mortgage has been underwater since 2008. We 've tried refinancing to be turned down due to not having a special hardship. We 've struggled over the years but this year due to a $ XXXX monthly increase is the hardest. Our home appraised at XXXX according to Wells Fargo. Our mortgage is {$250000.00}. We just want a more reasonable monthly payment but have been turned down several times. Does not matter to the institutions if it 's underwater or not. My husband is XXXX yrs away from retirement. I am on ssn now. We do not want to move at this late in our lives plus we ca n't afford a down payment or qualify for a new loan. Could you help us or guide us to who could. Thank you. XXXX & XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/22. I submitted docs that were asked of me including ID, bank statements, and pay stub and a authorization form by loan officer, XXXX. After that I did not hear anything back from them for a few days. I called and left messages on XX/XX/22 and XX/XX/22. Finally got a call back on XX/XX/22 and was told I needed to submit photos of my birth certificate and social security card because ID was expired. I submitted them XX/XX/22. Got a message to give them a call and I did. Was told I now needed to submit a picture of the back of my social security card. I did. Got a call today XX/XX/22 that because my birth certificate is a copy they could not accept it. They waited 4 days to tell me this. It has been one thing after another with them and it has been a frustrating experience to deal with. And looking my certificate its not a copy. It is the birth certificate my parents received at the hospital. But either way my time was wasted and I ended up with no loan. Reading other reviews its probably a good thing because they do not seem like a good company to do business with and loan officer, XXXX, lied to me multiple times saying she would submit my docs for final review but she never did. She said this each time after I submitted a new doc.
Product: Checking or savings account

Complaint against XXXX XXXX XXXX, insured by NCUA. 

Offers products to Consumers, such as bank accounts, loans, mortgages, auto loans, interest bearing accounts, popular banking products. 
Checking accounts are opened and rated by.Credit Bureau worthiness and credit score values. Consumers who's.credit scores don't meet the threshold of credit values ; are offered an alternative account. 

" Checking Limited '' accounts are opened with restrictions, ultimately designed to entrap Consumer from benefits, fees, funds availability, normal convenience and ability to make final transactions ; which are normal to everyday commerce. 

A Checking Limited Accounts, are no different than " prepaid ATM/Debit cards '', no different than " cash only accounts '', designed to operate only with " teller services only ''. 

ATM Visa Debit is attached, but.does n't function necessarily as credit rather debit, depleting funds ; ..when funds may not be made available ; given a " hard 5 -- 7 day hold on all funds '' ... checks, and cash via ATM machine. 

Consumers operating with a Checking Limited Account are doomed to be able to access funds in a timely manner and access positive balances after deposit is made. ONLY CASH is available immediately and only cash ; ... is the only way to make deposit. 

This product should be able to mature or expiration dates should apply, after Consumer has established a short or long term banking history. 

At this point, the only way to upgrade to " Checking Unlimited '' ... .is by additional credit ratings and credit scores scanned periodically after period of time. 

This method of banking is below standards and is only causing hardships, additional fees and mismanagement of personal banking needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and  appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Civil Liability for Negligence Noncompliance with 15 U.S. Code 1681o I am writing to formally dispute the alleged negligence and noncompliance related to the Fair Credit Reporting Act ( FCRA ) as outlined in 15 U.SXXXX Code 1681o. I believe that your company/agency has failed to comply with the legal obligations prescribed by the FCRA, which has caused harm to me as a consumer. 

Specifically, I am disputing the following : The charge-off reported by XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, with a balance of {$4900.00}. I believe this charge-off to be inaccurate or improperly handled. This charge-off has negatively impacted my credit report, and I request a full review of the circumstances surrounding it. 

Under 15 U.S. Code 1681o, any person or entity that negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, in addition to court costs and reasonable attorney fees. Given this, I request that you promptly : Conduct a thorough investigation into this matter. 

Rectify the errors or provide an explanation for your actions. 

Compensate me for any damages incurred as a result of this noncompliance. 
Please provide a written response within 30 days of receiving this letter, outlining the corrective actions taken to resolve this issue. If I do not receive a satisfactory response, I may be compelled to pursue further legal action to protect my rights. 

I appreciate your immediate attention to this matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item on my report it was removed a few months later it returned without warning. The law states that before adding an account back on your credit report that was removed the the reporting company has to give you a warning XXXX  days before adding it back I did not receive no warning. Also I sent it documentation several times explaining this which they claim to have not received l. I want this account removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes to TransUnion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX XXXX and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

I contact the company via mail on the following dates XXXX, XX/XX/XXXX to let them know that debt of {$1600.00} is not my debt, due to identity theft and to provide proof that I sign and/or agreed to the debt. 

The Midland Credit Management continuously sent letters harassing me about paying the debt of {$1600.00}. Dates I received letters are XX/XX/XXXX XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit card or prepaid card

Someone took my wallet, and other merchandise at XXXX XXXX XXXX about 3-4 weeks ago. I have had my cards compromised, and as a result, my XXXX XXXX XXXX  has been taking as well too. I have a credit card thru apple goldman sachs. I have paid over {$1000.00} dollars in the past two to three months paying triple the amount of the monthly limit, and now they will not activate my card knowingly I dont have my XXXX, and even when I had the phone will not unrestrict the card because XXXX XXXX and his family have been slandering my name, causing complete madness in my life out of jealousy and greed. I cant get goldman sachs to unrestrict my account because they keep telling me the only way to unrestrict the lost card which they replace for me three days ago is to verify my indentity thru my XXXX which I cant do because somestole that device, and now they keep threating me to pay and yet will not allow me too use my card when I have XXXX left revolving credit out of people, XXXX XXXX, XXXX XXXX, and XXXX XXXX have stolen my passwords by installing wifi cameras in my office, and have slandered my name so bad that they will not unrestrict my card unless I give the a temp pass code sent to my XXXX knowingly it was stolen with my wallet. I have called numerous times too goldman sachs thru my business telephone number XXXX XXXX XXXX thru XX/XX/2021 thru XX/XX/2021. They make me verify my identity over and over and never unrestricting my account and giving me access too my credit card so I can replace my phone, pay my liabilities too my business, and purchase the home that I was in the process of buying from my sister fiance name of XXXX XXXX. His siter and cousin have tampered with my business accounts, have put cars in the garage so I can operate my business and have tried too make me fail, and now have tampered with my personal lines of credit and will not allow me too use my card trying too make me fail, and goldman and sachs will not listen too me.
Product: Debt or credit management

I received a call from a customer service rep with Five Lakes Law Group ( FLLG ) who was assigned my debt by XXXX XXXX XXXX ( XXXX  ), on XXXX XXXX, XXXX  regarding a proposed settlement. representative from FLLG stated that in order to settle with the debtor ( XXXX ), I would need to add an additional {$160.00} every XXXX weeks to my existing and agreed upon payment of {$480.00}. I explained to the representative that as of today 's date, I had made deposits in the amount of {$7300.00}. Out of that total amount, the company has paid settlement fees to themselves in the amount of {$5700.00} ( 80 % of deposits made to date ) ; {$530.00} ( 7 % of deposits made ) were paid to debtors per resolution agreements, and the balance of {$200.00} ( 3 % of deposits made ) were paid for service fees. The representative from FLLG stated that they paid themselves after an agreement was reached while there were funds in the account. I explained that I felt the amount the paid to themselves versus the amount actually paid towards debtors was unreasonable and I did not agree to modification of terms. Representative stated that she would not be able to negotiate with debtor ( XXXX ) at this time unless and additional {$3000.00} was provided to by account.
Product: Debt collection

Re : Notice to Cease & Desist - XXXX XXXX XXXX - Account Number : XXXX To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( XXXX XXXX XXXX ), you are hereby notified to immediately cease all indirect and direct communication concerning the collection of the debt associated with the above-referenced account. This notice shall include but is not limited to the reporting of negative credit information, written correspondence, as well as telephonic communication. 

In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. 

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the local State Attorney Generals Office and the Federal Trade Commission. 

Thank you for your attention regarding this matter.
Product: Credit reporting

Equifax will not show my XXXX Credit card accounts. Even after providing copies of statements.