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

On   XXXX   XXXX  , I attempted to send money to a friend in the  XXXX  through  Western Union , as I have done several times during the past year, with no problems at all. I have a online account set up with  Western Union,  never a problem, till this time. The transaction was for  XXXX  dollars plus the {$4.00} fee. They take my money from my bank account, then inform me my transfer is put on hold, pending me sending them a copy of my  pic  ID and other info, thru a fax or email with attachment, I do n't have a fax machine, or a way to upload a  pic  of my ID to an email. My friend needed the money right away, so I sent it to him by    XXXX   XXXX     with no problems whatsoever, I called  Western union  to cancel the transfer with them and to get a refund to my bank account, they refuse to do it, they STILL want the  pic  ID sent to them anyway, I talked to them 3 times, and also went to a branch office to no avail, it is MY money, I want it refunded, they have stolen my money and wo n't return it. I am on a low fixed income, I NEED the refund. Please, please help me!!! The tracking number on the transfer is  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with Experian Credit Reporting company. Experian then would contact XXXX XXXX Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by XXXX XXXX Bank. Leaving the Report XXXX. The Account information for this complaint is taken from an Experian credit report # XXXX for XX/XX/XXXX. The account is XXXX .... This is a joint account with my spouse. I will attach documents that Experian provided. I contacted XXXX XXXX Bank and requested documents about payment history or statements related to this account they informed that none were available and would not provide any documents. When you examine the account information from Experian you will find that the Date Opened is XXXX XXXX. The Payment history ends XX/XX/XXXX. The Payment history is missing XXXX  months of payments making this report ( INACCURATE ). The Monthly payment ( NOT REPORTED ) missing information making this report ( INACCURATE ). Upon examining the provided Experian document you will find the High balance as ( NOT REPORTED ) making the report ( INACCURATE ). Recent Balance is ( NOT REPORTED ) making the report ( INACCURATE ). The Payment history has been left showing a few months of an account which was active for XXXX months making this report ( INACCURATE ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by XXXX XXXX Bank.
Product: Debt collection

In early XXXX of 2018, I ported my number over from XXXX to XXXX XXXX XXXX. I had already received my bill from XXXX for the month of XXXX. Once I ported the number over I contacted XXXX for an updated bill because my invoice was for the entire month of XXXX. I ported my phone number over in the early part of XXXX which would mean I did not owe the entire invoice that they had sent me. On three separate occasions I contacted them to send me an updated bill. The next thing I know, in XXXX of 2018, I get a collection letter from XXXX XXXX XXXX with whom I disputed the debt in writing. I thought the issue was resolved and attempted to contact XXXX again as I was trying to use the phone I had with them for my daughter. I found out once again that they were claiming the balance for the full invoice was still owed and they would not release the phone, even though it was paid for in full, and they were holding it hostage for the payment of the invoice. In XX/XX/2018, I got another collection letter from XXXX XXXX XXXX. Then again in XX/XX/2018, another letter came from Southwest Credit. It would appear that XXXX outsourced a disputed account two more times without validating the amount owed as requested or sending an updated invoice, which was also requested. I do not owe this entire invoice. I only owe a portion of it. I can not contact anyone at XXXX and Southwest credit has not validated the debt even though I have requested it in writing. 
Southwest credit has again reported this to my credit bureau. I am at a loss for words for the strong arm tactics of XXXX  XXXX and their collection agencies trying to force payment of an amount that is not owed. 
All I want is an updated invoice showing the date my service with them ended and I will gladly pay for what I used and no more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company PHH Mortgage Services, formerly OCWEN refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound
Product: Checking or savings account

Wells Fargo Bank checking acct XXXX & XXXX. These accounts are reported to be open on XXXX/XXXX/2013 and closed on XXXX/XXXX/2013. closed for Caused-Purged which is showing negative on my XXXX account. These accounts where never funded by me I never recived any checks are bank cards these accounts was opened and at one time I was on XXXX so they closed the accounts. But this bank should not be reporting anything negative regarding these two accounts because I never used these accounts. These need to be removed off my file
Product: Debt collection

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Dynamic Recovery Solutions has been unlawfully harassing me every day Monday through Friday since XX/XX/2018 through today, XX/XX/2018 about a debt that does not belong to me outside of legally allowable phone call hours and they have continued to call despite my having repeatedly advised them that they have the wrong number - they refuse to state the name of the person they are calling for and keep demanding that I provide my social security number which I refuse to do since they have no legal authorization to contact me and keep ringing my phone outside of legal hours if they actually had a valid claim which they do not. 

This firm has a documented online history of unlawfully harassing and physically threatening persons who do not owe monies to them or anyone else.
Product: Credit card or prepaid card

This complaint is regarding a claim made under the " Damage & Theft Purchase Protection '' benefit included with the co-branded credit card " Costco Anywhere Visa Card by Citi. '' The Citi Card Benefits Request case number assigned by Citi to my claim is XXXX. 

This claim is regarding a portable air conditioning unit that appears to have an internal leak or damaged seal near the top of the unit. I assert that this damage is due to shipping damage : the manufacturer 's box, in which the shipped unit was delivered, was quite beaten up. There are numerous mentions on XXXX 's product pages stating that this manufacturer 's packaging often resulted in shipping damage of varying severity. 

However, Citi 's contracted benefits administrator, XXXX  XXXX XXXX, stated in their claim denial letter that the deemed the issue to result from an " inherent product defect, '' which is not covered. 

I have read the terms and conditions which state that damage because of a product defect are not covered. However, Citi is stretching the definition of a " product defect '' to justify denial of claims without evidence, beyond a reasonable person 's understanding of the term " product defect. '' Citi provides no justification for why this is a product defect, except maybe that the issue showed up shortly after purchase. By this logic, the Damage & Theft Purchase Protection is useless for any item that is shipped/delivered, and which may sustain damage during shipping, since Citi may well claim that the product was defective prior to shipping. 

Alternatively, if Citi does want to offer a " Damage & Theft Purchase Protection '' benefit that is so limited in coverage, then Citi should clearly list that shipping damage is excluded in the terms and conditions. 

As it stands, Citi is giving the impression that the benefit provides more coverage than it actually does, while unreasonably denying claims by stretching its interpretation of the wording in the terms and conditions.
Product: Checking or savings account

WE DID NOT GET OUR PAY CHECK. {$3200.00} SUPPOSED TO GOT IT ON Friday XX/XX/year> morning and we still haven't got it. The bank is Capital one. Here it is XXXX and no money. I called two times and waited over an houre for them to tell Me they don't know when we will get our money and said it was a technical issue. We live paycheck to paycheck we have no extra cash so we need our mony to buy food and gas so we can go back to work. This is not right we need our money now.
Product: Credit card

I had few accounts with Barclaycard US and called them in to get my accounts closed. They then asked me to stay on with their company, in exchange for a retention offer, which they promised to put bonus points on my account, after some different charges I will put on my account. so I stayed on with them. However, I soon realized this was a gimmick, and they did n't even give me the chance to do so. it was just for them ; to be able to suddenly close it without notice, instead of me doing it, and to get it reported on my report as closed by credit granter, which is decreasing my credit score significantly. When I questioned them as to why they decided to grant my request to close it? their answer was since I drastically want over my credit limit. This is odd even if I would 've not have paid, as with every other bank either they do n't allow you to overcharge, or it 's no issue, especially weird of course after I paid already almost full balance. All this happened only after I warned them I 'll start litigation against them. since they were refusing to send a mid cycle update to the credit reporting bureau about a very large payment I made on the account right after the statement closed with a high balance, which is ruining my score as well. Despite the fact, that they did update right away the closure of my account done by them, even though it was still open on the closing date of the statement. They are not acting in good faith as every other bank would 've done to send an update to the bureau, even after I advised them of the damage it 's causing to my report having a large balance. They are also refusing to rectify the reporting as closed by consumer. I had a very big lost by using their cards above other companies, especially that they are not allowing me to redeem the rewards I legally errand by using the card and paying for it. In the past they also once in error stopped a check sent to me causing me damage. NEVER SEEN A BANK BEING SO STUBBORN NASTY!
Product: Mortgage

We fought US Bank Home Mortgage for almost two years to save our home. We finally accepted that we were going to lose our home. We were approached by a real estate agent who had a family interested in buying it. The buyers were preapproved and we discussed a price of XXXX to XXXX depending on payoff. We called mortgage company to request payoff amount. We were told they would send it out to us. We never received it. We had attorney through legal aid request the payoff amount on XXXX from the attorney for US. Bank. They never responded. Sadly, the sale took place on XXXX XXXX and the home was sold for XXXX. The lack of response from the mortgage company 's attorney and the company itself cost us the opportunity to payoff the amount owed and possibly have recooperated a little of the money we paid down on home. Ironically, prior to the sale of our home, the mortgage company sent us a check for mistakes made on account. We still have check because we did n't understand why we 'd get a check from mortgage company while they were foreclosing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXXXXXX XXXX  XXXX {$0.00} XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Dear Consumer finance I'm having a difficulty due to having to change my phone number multiple times after being harrassed and threatened by my children fathers other baby mother 's and girlfriends ... moreover my phone battery was swollen and cell phone was also damaged I had to get a new phone the problem is that I had cash app linked to my phone a j prime XXXX XXXX XXXX phone and sue to having to switch phones I lost my app which my name tag for cash app is $ XXXX i also had problems because i forgot my passcode to my email address which is XXXX and all my information I also moved and had to update my address from XXXX XXXX XXXX XXXX, paXXXX my current address is XXXX XXXX XXXX XXXX pa XXXX My phone number is ( XXXX ) XXXX name that appears on my app is XXXX XXXX XXXX I'm currently not able to use my email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> called XXXX XXXX  again, XXXX XXXX  stated we don't handle your account anymore, I then said, you already transferred me to XXXX XXXX last week, they then transferred me to XXXX XXXX, who stated they not collecting debt also. 
XXXX XXXX stated fax Email to her ( XXXX XXXX ), FAX # XXXX FILE # XXXX ATTN : XXXX SHE WILL VERIFY EMAIL ADDRESS AND PROCESS WITH XXXX XXXX  TO START DELETIONS PROCESS!
Product: Mortgage

Is Quicken Loans a Fiduciary or is their advertising False or Misleading. 

A Quicken Loan advertisement running on many podcasts states, " A company that has your best interests in mind. XXXX Mortgage.. '' I believe the plain meaning of these words that a reasonable person understands is that having " Your best interests in mind '' means Quicken Loans will do what is best and right for you, the customer or borrower. It means Quicken Loans will do what 's right for you, even if not necessarily best for them. They want you to believe they will act in your, the borrower 's best interest ... that is with a Fiduciary interest. This on its face seems false. The lender wants a high interest rate, the borrower wants a low interest rate. If they are not a Fiduciary with " your best interests in mind '', then Quicken loans is misleading. 

This ad was on the XXXX XXXX of XXXX XXXX, 2017 in the first few minutes. 
XXXX. Also I heard it on the XXXX out this cool episode : XXXX. I continue to hear Quicken loan ad including today on the Economist podcast. 

I have called Corporate Offices at Quicken Loans and asked about this ad I have not received a reply. 

I would appreciate appropriate actions to end Quicken Loans apparent false or misleading advertising.
Product: Mortgage

My wife and I recently applied to have our home loan modifying with Wells Fargo and were turned down. Wells Fargo responded to our request to reduce our mortgage payment by saying they would offer us a short sale option We receive social security and can afford a reduced payment plan if the loan were modified with payments were stretched out over a longer period of time. I am XXXX XXXX XXXX and a XXXX XXXX XXXX veteran My wife is XXXX. We truly believe that Wells Fargo is discriminating against us because of our age. We have lived in this home for 45 years and don't want to leave. This is where we want to live for the remainder of our lives.
Product: Vehicle loan or lease

No matter how this is dealt with Im going to keep fighting now that I know my rights because I am being truthful & I have evidence regarding the hospitalization after the XXXX & the XXXX & the medication I was on, I have proof that my XXXX XXXX was not the score that santander gave me, I did not have any income & I never signed any document stating I agreed to a {$500.00} plus dollar car note. At the time of me getting this car I was a single mother that was recovering from a accident XX/XX/18 that totaled my car where I could not work ( I had a law suit that can verify that ) paying {$390.00} for car note {$1200.00} for rent, XXXX utilities, {$250.00} for insurance and more, {$200.00} cell bill, I still had a XXXX car note that had not been settled, unemployed for 2 months with a XXXX XXXX of XXXX. XXXX dealerships & all their lending partners turned me down & ran my credit including my own personal bank, but somehow Santander approved me with terrible credit, no Proof of income that I was able to make the payment, no money XXXX & a terrible debt to income ratio because I had literally been laid off for 2 months and I had an outstanding balance of XXXX on my previous car on my record .... somethings not right about that. Then they charged me {$200.00} more than what I was told per month & I was advised my the sales person to keep quiet once I got the bill in XXXX because really I wasnt suppose to qualify and Id be out of transportation .... this was manipulation & a terrible sales tactic. thats not right at all & I will not allow myself to be taken advantage of. I did not sign any documents especially none for {$560.00} a month. I know my rights.
Product: Debt collection

I do not have a signed contract nor any contract with I.C.Systems. I have never done business with this company. I am not liable for collection from this debt from I.C. Systems. I am not responsible for this debt with I.C. Systems. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
Product: Debt collection

Hunter Warfield has placed an invalid debt on my credit report and it is causing major detriment on my ability to earn a living. Hunter Warfield is reporting that I acquired a debt with XXXX XXXX XXXX in XX/XX/2018. I am unaware of any debt I could have acquired with XXXX XXXX XXXX during this period of time. As the XXXX and XXXX of an investment conglomerate my personal credit directly affects my ability to provide for my family. Hunter Warfield has not supplied proper notice of this debt nor have they given me a proper opportunity to request validation of the debt prior to causing financial injury to me in the means of submitting the invalid information to the credit bureaus. Hunter Warfield has supplied incorrect information to all three credit bureaus XXXX, XXXX, and XXXX with the intention of causing the most damage to my credit report in attempts to extort money from me for a debt that is invalid. I have not received any billing statements or any proof of this debt prior to it being placed upon my credit report. If this is not corrected in 15 days I will pursue legal action with the XXXX County Courthouse for loss of wages and financial damages caused by their reckless pursuit of this invalid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiry listed below : XXXX XX/XX/2022
Product: Credit card or prepaid card

I opened a credit card with Well 's Fargo Visa card in XX/XX/2019 and never used it. On or about XXXX I noticed a transaction for {$2700.00} from my mobile app for a balance transfer. I immediately contacted Well 's Fargo and they put me in contact with the Fraud department and the Fraud department said that they would take care of the matter. 

On XX/XX/2019 I received a letter from Well 's Fargo Claim Assistance Center Credit Card Fraud Claim stating that I was responsible for an unauthorized transaction for {$2700.00} for a balance transfer.

I never did a balance transfer with Well 's Fargo, as this is fraud. I have contacted Well 's Fargo and I keep getting the same response that someone will take care of the issue and never do.