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

XX/XX/XXXX Disputed Transaction ( s ) : Transaction Description Merchant Description Transaction Disputed Date ( if available ) Amount Amount XX/XX/XXXX WU * XXXX CO WIRE TRANSFER {$450.00} {$450.00} XX/XX/XXXX MONEY ORDER XX/XX/XXXX WU * XXXX CO WIRE TRANSFER {$450.00} {$450.00} XX/XX/XXXX MONEY ORDER XX/XX/XXXX WU * XXXX CO WIRE TRANSFER {$500.00} {$500.00} There were several unauthorized charges made through WesternUnion. I have file claims with both WesternUnion and XXXX XXXX. WesternUnion says these charges were correct and authorized charges because the money was already picked up but i havent notice anything until next morning and thats when i had file fraud charges. I had to wait for Monday to file fraud for XXXX. XXXX will reverse the temp hold money they gave me because investigation in which WesternUnion has declined to my XXXX XXXX. Neither WesternUnion and XXXX has protected me in this fraud charges. I have several email detailing that someone had change my WesternUnion profile and have several emails saying some were declined and 3 were successful. Neither of these changes and charges were my doing.
Product: Debt collection

I have previously opened a complaint against XXXX XXXX concerning a debt that Affirm has stated that I owe. The response to that claim was as follows : XXXX received the account on XX/XX/XXXX. The account was recalled by Affirm the next day, XX/XX/XXXX. XXXX did not initiate collection activity and did not send a letter because the account was recalled almost immediately after it was placed with XXXX You called XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The representatives each verified that the account was no longer with XXXX XXXX did not and will not report the account to the credit reporting agencies. What we are doing to help We contacted Affirm regarding your complaint. As of the date of this response they are still investigating why they believe the account is with XXXX when XXXX records indicate it was returned in XX/XX/XXXX, nearly XXXX ( XXXX ) years ago. We recommend you contact Affirm with any additional questions regarding the account. XXXX apologizes for any misunderstanding or inconvenience. If you have any additional questions or concerns regarding our investigation, you can contact XXXX directly. Our contact information is below. Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX This communication is from a debt collector I have reached out to Affirm several times for over four years and the company can not tell me or verify the debt. This account has been damaging to my credit after years of trying to resolve the issue with no prevail.
Product: Debt collection

This is the biggest scam in the credit world. 
Legally there is no contractual obligation to pay an unknown debt, as they have not engaged with me in any contract, nor services or goods exchanged. Its called extortion. No debt collector can legally " validate '' any debt as they have no original signed contract with me, nor proof they have a signed, written agreement with me for an exchange of services or goods. Fraudulently post to my credit report, in an attempt to extort money from me. They illegally furnished data. ( illegal, as they have no written, signed agreement trom me directly along with proof of my identity that allows them to access or furnish information to the credit bureaus.

Per code. 15 USC 1692 G
Product: Debt collection

CHOICE RECOVERY INC # XXXX I dispute this account I have never done any business with this company. Please forward me any and all documentation concerning this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following account # XXXX. please fill out and return the attached CREDITOR DISCLOSURE STATEMENT, or I can not take this account to be valid.
Product: Credit card

I had 4 Capital One credit cards in good standing without one late payment, interest, or late fees. The first Capital One 360 was opened in XXXX and was a {$300.00} limit. It increased to {$1800.00} and switched to XXXX. The four accounts including a checking account they did not close are XXXX. XXXX {$1800.00} XXXX. XXXX XXXX rewards student credit card- {$500.00} XXXX. XXXX - {$500.00} XXXX. BJs - {$500.00} Each credit card had fraudulent and unauthorized purchases on them. I would call and report these to Capital One, and have to wait a long time for them to mail me a new card. I saved ALL of the cards and still have multiple copies of cards for the accounts they failed to prevent unauthorized purchases from. 
I added my boyfriend as an authorized user to the cards. The plan was to build credit. From time to time, he would withdraw funds from his account and tell me the money was there. This caused returned payments. The charges would be paid in two days, however. In XXXX of XXXX, I was on the phone asking them why my XXXX card was restricted. They told me the account was closed and would not tell me why. I cried and the agent was rude saying, " You know you are being recorded, right? '' I was bawling and explaining how it was unfair and how it did not make sense to close my card for no reason. He said it was because of returned payments.The next week, the XXXX other cards were restricted/closed. It was nasty to do to a loyal consumer. My utilization rate went up, and my XXXX XXXX has plummeted despite trying so hard. I paid them despite the accounts closing. I noticed I was charged interest fees and cash advance fees. After almost a year, none of the balances have decreased! I stopped paying them two months ago and late fees are the very first time I have seen on CaXXXXtial One statements because my payment history was perfect. They have committed a criminal act. I can not get a loan, finance a car, or leave to move to a vacant apartment. I suffered years of abuse. This was all due to a well-planned ploy by the partner. He ruined my credit on purpose. I finally got an apartment. But, after his car died, he took my car under his name because he had to finance it in his name after crashing my work car after gambling. After he found out I had an " out '' he took car back. Now? He drives me to work not allowing me to leave here to work or go to my apartment. Capital one did not want to hear that he promised the money was in his account to pay the charges. He even threatened to call Capital One and say he did not want to pay his share anymore. No one will hear my story. Only XXXX will listen. So far, not one human will help.
Product: Debt collection

Debt collector served small claims court papers. I called to ask for proof the debt was mine and they couldn't provide it. I was told the case was being dismissed, and received paperwork today that shows 2 days after I got the email saying it was being dismissed, they went to court anyway- knowing I was under the impression it was dismissed. My husband was included and even if it was mine- we were not married at the time, which I told XXXX XXXX the phone, and he responded by assuring me that my husband would be removed. 

Commercial adjustment company XXXX XXXX XXXX XXXX, oregon XXXX Date was told it was XXXX XX/XX/2021 XXXX they went to court- XX/XX/2021
Product: Credit card or prepaid card

On XX/XX/XXXX., I applied for a credit card from CITI Card ( Application ID XXXX and was rejected because of an incomplete application ) proceeded to remove a freeze I had placed on my information and called the credit card Co. , then they procured the the credit report. Credit report showing a Beacon Score of XXXX. 
Baffled by a new rejection called and I was told that I had been late on payments on the year 2000. 
I don't remember being late but since then CITI Card has issued 3 credit cards to my name and these credit cards are paid in full upon statement date required, so it makes no sence, also aren't they to take into consideration only 7 years? 
It is impossible to talk to a human being.
Product: Mortgage

Please see the latest complaint sent to the company # XXXX. We have not received any indications when our interest rate has changed or payments due and the amounts of these payments. A representative informed me indications of change in interest rates can not be communicated because the change happens to quickly to allow notifications to be sent to us. However, this results in missed, past due payments and collection activity. This has been the case since we have completed our five-year bankruptcy terms. Although the BK completion charged us to be on time for every payment. This is contradictory information and seem to be set up in an effort to attempt to foreclose on our home again ( which happened while we were in bk )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft through XXXX XXXX i reported it to the bank and provided the information but the bank told me it wasnt enough information but i didnt have much information other than the transaction details and they proceeded to harass me to pay when i had no knowledge of the transactions
Product: Credit card

Examine the attached documents. Initiate an investigation into the accounts that, despite my punctuality, are reported as late.
Product: Credit card

I pay my PayPal credit card bill via the XXXX XXXX bill pay service included with my checking account relationship. The most recent bill received by that service was in XXXX. Subsequently I received a text message from Synchrony today advising that I had a new statement. I logged into XXXX XXXX to ensure that I had received that statement. I had not received that statement. I subsequently I logged into the credit card account to discover that I had not only received a new statement but had also received an earlier statement that had never been received by XXXX XXXX. I tried to determine if Synchrony or XXXX XXXX was at fault and Synchrony offered to let me purchase statements for a fee. I was charged a late fee on a credit card that I dont think had ever accrued interest or any fees. I am livid about Synchronys incompetence and inability to provide basic customer service. I can only assume that Synchrony decided to stop sending statements to my bank so they could charge interest and a late fee. This company engages in shameful and fraudulent behavior.
Product: Credit reporting or other personal consumer reports

I informed experian that I am a victim of identity theft. 

They initially blocked all of the fraudulent accounts I alerted them about. Now they have unblocked it and I do not know why. There has been no further investigation.
Product: Mortgage

Apply for a refinance on the XXXX of XX/XX/2020, the opening document was put together on the same day of the XXXX of XXXX after that day I received a email of the opening refinance documents, as many as two and three email from others agent from pennymac, the first reordered telephone call was from a reference agent, I told her that I wanted to do a reference with XXXX and XXXX, with no mortgage payments until XXXX, I told her if I could not get XXXX and XXXX off with no mortgage payments I did not want to do a refinance, she never told me to hold or save XXXX payment, but she did tell me not to pay XXXX and XXXX mortgage payments until XXXX, so iam two months behind of my mortgage because of this mistake if the agent,
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Mortgage

XXXX XXXX a trustee or attorney in fact is not doing or carrying out the stuff he sign too on the contract which is making me go into debt and make me lose my property, put me in IRS crimaml offense by not pay. Taxes. XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, XXXX XXXX asserted, that XXXX XXXX had the power not him .and XXXX XXXX dies in XXXX ga XXXX XXXX with no power in her house. She was not the trustee .she had nothing too die with no power. I am ask y'all too send XXXX a letter too sign say he had no dealing with the ownership of Mr Cooper group. partnership XXXX XXXX. XXXX XXXX. And make him sign a paper say for me too take over. He don't want too deal with it no way. Mr XXXX. House is appear too be own by Mr Cooper which is own by the old owner XXXX XXXX XXXX deceased. XXXX XXXX XXXX be a direct heir and owner of XXXX and XXXX XXXX and XXXX XXXX group of the old days. Own and co own all of this. Need XXXX too hand over all books and paper work too all of this .abuse is in place. It a pandamic out here .21 years of wait .it too long this stuff .need too be stop thanks. Don't XXXX me for me business thanks.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting signifiant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern, Under the new law effective XXXX XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time XXXX XXXX  nor transunion is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXXXXXX, and I have consistently made my payments on time. However, I recently discovered that there are late payments on my credit report. It is evident from my payment history that I have always maintained an excellent record with this company. Despite my efforts to contact the 3 Credit Bureaus, I have not been able to successfully resolve this issue. There is definitely an error on their part, and I am certain of it. Therefore, I am submitting this Follow-up CFPB Complaint to request a thorough investigation by the Credit Bureaus to rectify this discrepancy and ensure 100 % accuracy in the information they report. The accounts in question are as follows : XXXX XXXXXXXX XXXX with a balance of {$1700.00} and XXXX XXXX  XXXX with a balance of {$580.00}. I firmly believe that the information being reported for these accounts is inaccurate. I have always made my payments on time and have maintained meticulous records of my own. Upon comparing the credit bureau 's records with my own, it is evident that there is a mismatch. Therefore, I kindly request that a comprehensive investigation be conducted for these accounts to ensure their legal and lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I see that there is a bankruptcy item listed that I'm not aware of. I attempted to contact the company and request verification and received nothing back. I understand that this a violation of FDCPA and need to have the account deleted from my credit profile.
Product: Student loan

A letter of complaint was sent to the US Department of Education, FSA Ombudsman on XX/XX/2019 due to misinformation/misrepresentation by servicers prior to and after the rehabilitation of my defaulted student loans. I consolidated my student loans and then entered into a rehabilitation agreement with a servicer who advised me that upon making 9 consecutive payments, the loan would be rehabilitated, the negative status would be deleted from the credit bureaus and the collection cost would be removed. None of these things happened upon the rehabilitation. Instead, after the ninth payment was made, I then received an invoice for an amount that I could not afford to pay. No one advised me at that time of any income based repayment plans that could have assisted me in a subsequent default. Since that time my one loan has been and continues to be reported inaccurately to the credit bureaus as 2 defaulted student loans. ( Please see the attached letter expressing my concerns in detail ).
Product: Credit card or prepaid card

This complaint is about my credit card. My account was delinquent and my mother contacted the branch instructing them that she wished to repay the balance on her behalf to bring the account current. The payment receipt is attached. That did happen ( XX/XX/2021 ) but the bank also closed the account ( see below ). This was and is a problem as it affected my credit score negatively. This was a secured card and my mother has XXXX on deposit with the bank to secure the card. My credit score is now much lower than it should be due to this event. This impacts my ability to rent an apartment, get insurance etc. We have contacted a person at the bank by phone on multiple occasions and my mother met with them twice at the branch. At the last visit, the person explained that the credit card account was somehow closed in connection with the merger between SunTrust and BB & T ( this company is now called Truist ). She said it appears this happened as part of the system conversion that occurred when the banks combined. She told us that she would forward the information to the merger office and ask that they research it and resolve the issue. We have heard nothing from them and now this person will not return our phone calls.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain items from my credit report. I am a victim of a recent data breach, which resulted in identity theft and unauthorized accounts being reported in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these items removed from my credit report. 
Below are the details of the unauthorized accounts that need to be removed : XXXX XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1700.00} XXXX XXXX Case Number : XXXX - Date Filed : XX/XX/XXXX - Balance : {$0.00}
Product: Checking or savings account

XX/XX/23 : - An unauthorized withdrawal and transfer of {$9500.00} was made from my checking account to a fraudulent bank account. 
- I notified USAA of the fraud on the same day and we took actions to change my passwords/PINs and log-in information. I was assured given the fraudulent nature that I would be fully reimbursed. 

XX/XX/23 : - Contacted by member of USAA fraud team and informed that Initial review of fraud case was completed and that there was no fraud detected. They did not inform me how/why they came to this conclusion but they informed me that I could submit a re-review. 

XXXX present : - Multiple re-reviews completed with same nebulous, non-descript conclusion that no fraud was detected. They simply stated that this was based on multiple security reviews. They refused to share their fraud report with me. 
- Spoke to multiple members of the USAA Customer support team to include banking/checking specialists, member resolution team representatives and ultimately the USAA Office of the CEO. Their decision remained steadfast. 

Pending Actions per USAA : - USAA issued a Hold Harmless and Indemnification Agreement to a certain XXXX bank in PA requesting my withdrawal be returned. ( They have not received a response. ) - USAA Office of the CEOs stated that my reimbursement is contingent on this XXXX bank paying USAA back for the fraudulent withdrawal. 

Actions I have taken : - I have sought legal assistance from my military JAG colleagues who recommended I file a formal appeal. I have attached my formal appeal as a PDF to this complaint. It was submitted on XXXX. 
- I filed an official complaint with DCs Comptroller of Commerce office online referencing Regulation E of the Federal Reserve Regs, Electronic Funds Transfer Act 12cfr 205 ; that holds USAA liable. They directed me to the consumer finance bureau.