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

On XX/XX/XXXX, I made two separate transfer each was for the amount of {$1000.00}, of which {$49.00} was the fee per transfer. The total taken out of my business account was {$2000.00}. Western Union informed me that after using this existing account for two transfers, that they would not allow the transfer to take place, since the account was set up as a personal account, but with a business account details. ( Even when the account was set up under a business name XXXX As such they would NOT allow the distribution of funds to be sent. On the same day, I requested for the funds to be returned to my account. Unfortunately, as of today, XX/XX/XXXX Western Union ( WU ) has not returned the funds. Instead, it states that the funds were distributed. Unfortunately, every time I called the customer services provides numerous reference number, but no funds were ever returned to my account. I have also submitted emails at WU but this situation is not resolved. 
After several attempts, I have asked for my bank to dispute the transactions, but unfortunately, I am told that the 78 days since the transactions it does not guarantee the bank is able to recouped the funds. They will try but suggest I file this complaint.
Product: Checking or savings account

I have a Chime bank account that I use for my SSI direct deposit. On XX/XX/XXXX, two unauthorized transactions were made on my account. I filed a dispute, and Chime denied the dispute the following day. This was a fraudulent use of my account and {$370.00} was stolen that Chime refuses to fix.
Product: Credit card or prepaid card

This is a formal complaint against Capital One, the credit company I have a personal credit card with, for sending private information of hotel guests to other guests who are staying at XXXX XXXX XXXX in XXXX XXXX, IL. 

On XX/XX/XXXX, I have received a packet of documents from Capital One. The packet was mailed to my home address with personal and private information of one of the hotel guests- XXXX XXXX whom I don't know. The packet sent to me included his full legal name, the company he works for, his hotel room number, his car 's license plate number, his signature, credit card information, etc. I have attached few pages here out of 47 to show you how reckless this incident is. 

I have no idea why Capital One disclosed XXXX XXXX 's secure information to me but I am now very concerned about my safety as a female who lives there alone. I fear that my private information has been revealed and sent to other hotel guests by Capital One just like XXXX XXXX 's ended up in my mailbox. 
Although my reservation at this hotel was booked till year XXXX, I will be moving out in a few days and checking out early, because of this safety and privacy breach. 


Please investigate this incident as it is a serious violation of hotel guests privacy policy and let me know how it can be avoided in the future. 
I will be happy to provide additional information if need be. 


Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX Has a fraudulent account in my name via this application that has been used in many merchants area. I no longer work for savealot.com due to injury and theft of my key at XXXX XXXX location in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. See XXXX Also according to Hjr 192 On XX/XX/XXXX the US Congress passed the Emergency Banking Act. On XX/XX/XXXX XXXX XXXX announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938, 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also,  according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.
Product: Credit card

I paid the bank all but a fee that was going to be waived. However, it wasnt taken care of correctly and now they say I still owe them money. This is not correct.
Product: Checking or savings account

On XX/XX/XXXX i deposited my tax refund from the IRS check to my Citibank at the atm for XXXX and it went on hold for a week, as soon as the funds came i made a withdrawal and XXXX days later my account was closed and i visited a branch and called their customer service number and they said my account is closed and the funds will be sent back to the issuer and i wont be recieving a check in the mail for my funds.
Product: Money transfer, virtual currency, or money service

I was turned over to a collection company for the debt I incurred with XXXX  XXXX, the collections service was XXXX XXXX XXXX. On XX/XX/2019 I took a settlement amount to pay off my debt and paid the first payment of XXXX. There were to be made two additional payments of the same amount on the first of XXXX and then first of XXXX and with drawn automatically. A week after I made the payment, I began receiving emails for the full balance even though I already took the settlement and made a payment, they were not even acknowledging the payment I made and demanding full balance. I called and spoke with someone and they said it was fixed however it was not. I continued to get demand payment emails and they would not fix the problem. I waited to see of the payments would come out and they did not, only the first payment drafted and then nothing. They will not post the payment I made or honor the debt settlement. They lied to get a payment out of me and then they are not even crediting my account for the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Ex husband stole vehicle and drove out of state I have told The company where the care is but they refused to pick up are remove to settle Debt owed they were very aggressive and disrespectful didnt show any interest in helping me resolve this matter. 

You have 100 % left to pay on this loan. 

Balance {$18000.00} Highest Balance No Info Monthly payment No Info Opened XXXX XXXX, XXXX ( 5 yrs, 2 mos ) Term 72 months Payment History Youve made 31 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Charged off account Fixed rate Times XX/XX/XXXX30/60/90 days late XX/XX/XXXX Closed No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX a consumer and natural living person submitting this complaint and there is no third party involved. I have been violated and Transunion committed fraud on my consumer report. I did not consent, benefit, nor authorize these fraudulent accounts on my consumer report. I demand TRANSUNION DELETE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 60 ) days late on the XXXX XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The property was sold in XXXX, XX/XX/2019and the lates that are still reporting are XXXX and XXXX, XX/XX/2019. This account was closed well within the grace period allowed and consequently, the lates that are reporting are in error. These lates need to be removed from this account. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card or prepaid card

Apparently, my Apple Credit Card ( Goldman Sachs ) is tied to my XXXX XXXX I have had an activation lock placed my Apple ID three times in the past 6 weeks or so. I use a password manager. I also use passcodes that are saved to Apples password manager, and copy, pasted, and printed. I have no access to the associated email, which is what XXXX is requiring to reset the password. I have reset the password, twice, but XXXX fails to accept it. 

If I close the XXXX XXXX  I also close my Apple Card. Of course, I can create a new XXXX XXXX XXXXnd reapply for the Apple Credit Card. When I close the XXXX XXXX, and subsequently the Apple credit card, I will still have the amount currently applied to the Apple credit card as part of the available credit for all cards. That creates a major hit to my credit score, which limits my ability to obtain a new Apple Credit card. I have about {$210.00} in transactions being disputed. I can not check on those statuses. I can not stop payments being made by the card. Nor can I currently use the card. Nor do I know the balance. Nor can I cancel subscriptions or access apps that I purchased. The vendors tell me that I can only access them through the XXXX XXXX that I am locked out of. I can only make a payment, and I need to guess how much the payment should be. Nor can I check for unauthorized transactions. I did not know I was owned by XXXX. I thought this was my account. Am I wrong? This is corporate power to control without ownership.
Product: Debt collection

XXXX XXXX XXXX has been told both in writing and verbally every single time that they call from multiple phone numbers from countless area codes to CEASE AND DESIST from calling me about a fraudulent debt they purchased from XXXX XXXX who violated federal law relating to the time frame required by federal law in which payments made to the account are required to be accepted ( XXXX east coast time, XXXX pacific time ) by having so many people trying to do so and freezing up their website to force payments to be made late, thereby generating fee income through fraudulent activity. 

XXXX XXXX XXXX has been told this in writing YEARS AGO and every time they call YET THEY CONTINUE TO VIOLATE FEDERAL DEBT COLLECTION LAWS AND REFUSE TO STOP HARASSING ME FOR A FRAUDULENT DEBT THAT WILL NEVER BE PAID!!! 

ENFORCE THE LAWS AND THROW THESE THIEVING XXXX IN JAIL!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Debt collection

AS I HAVE PREVIOUSLY REQUESTED TALBOTT ADAM PROVIDE ME WITH A COMPLETE DETAIL OF ITEMS I PURCHASE REGARDING THIS DEBT I AM BE ACCUSED OF. I NEED A DOCUMENT WITH MY SIGNATURE STATING I OWE THIS MONEY TO TALBOTT IN THE AMOUNT OF {$450.00}
Product: Checking or savings account

I recently initiated an e-Check payment to my credit card company, XXXX. My bank rejected the transaction and charged me a {$38.00} NSF fee. My account balance had enough to cover the debit, though. I have attached a screenshot of my mobile banking history hereto. 

I am shopping for a new personal checking account, but I still need the {$38.00} fee they assessed to me back in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called Experian by phone to dispute inquiries on my credit report. Experian removed fourteen hard inquiries from my consumer report, which is an admission to guilt. Under federal law a XXXX shall not furnish to any person a record of inquiries in connection with a credit transaction that is not initiated by a consumer. I did not give Experian permissible purpose to furnish any inquiries on my consumer report. By furnishing this information Experian is committing aggravated identity theft against me as a federal consumer. This is my final attempt to have this matter rectified before pursuing legal matters. If Experian would like to continue committing fraud and unlawful criminal activities, this matter can be further discussed in federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a 609 form stating for them to send me proof that the account or mine and just going to say they verified them I have yet to get proof from them.
Product: Credit reporting or other personal consumer reports

Accounts : XXXX I am filing a complaint against XXXX EXPERIAN, XXXX, XXXX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). XXXX  has reported a charged-off debt to EXPERIAN, XXXX, and XXXX XXXX my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, OPPLOANS/FINWISE has failed to provide me with a 1099-C form, as required by IRS code 4681. XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. XXXX  actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, XXXX ) is engaging in deceptive conduct that harms consumers ( Me ). Furthermore, XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. XXXX improperly disclosed my personal information to credit reporting agencies, specifically EXPERIAN, XXXX, and XXXX without my permission. Additionally, OPPLOANS/FINWISE has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as EXPERIAN, XXXX, and XXXX XXXX This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
Product: Mortgage

The new mortgage company has taken over my mortgage, soon after they have raised my payment to be double my escrow account, giving me phone numbers about my insurance costs. My insurance company states that my insurance is {$2600.00}. Their escrow balance from Mr. Cooper, who recently purchased my loan from XXXX, shows after paying my property taxes for 2024 was {$2400.00} left in my escrow account. So there is no reason why my mortgage payment jumped up {$250.00} more from now on. My insurance company stated that it was not increasing. They told me over the phone I MUST have {$800.00} or more in my escrow account even after the taxes and insurance is paid. No explanation why. She stated that my payments would be this until XXXX. That is a total of {$7600.00} for a escrow bill of only {$5600.00}. I could see maybe {$800.00} to cover the insurance but not this amount. Their so called customer service line is nothing more than a phone robot that will never transfer you to a person, it just repeats itself over and over until you get discusseded and hang up. Their full intentions.
Product: Mortgage

As a way of background the servicing on my mortgage loan was transferred in XXXX XXXX from XXXX to PNC Mortgage - In XX/XX/XXXX the homeowners insurance was due to be paid. As a result of incorrect payee setup the Insurance was incorrectly paid and my insurance was subsequently canceled. My insurance agent called me on XXXX XXXX to notify me of the cancellation and I contacted PNC Bank. After an hour on the phone PNC bank did confirm that the account was incorrectly paid and spoke with my insurance agent to say they would overnight a check. A half hour later they informed my agent that they could not send out an overnight payment as they did not have the ability to set up a payee timely. My insurance agent called me at XXXX and informed me that if a payment was not received by XXXX the insurance was not going to be reinstated and I would continue without insurance. I subsequently made the payment of XXXX dollars and as of today I am still waiting for my refund from PNC bank. I have spoken with multiple representatives, Supervisors and left multiple messages for the manager to call me. Throughout this process one thing has been consistent - not one supervisor or manager will call me back. After speaking with another representative today I found out that once again the incorrect agent was paid and no one can tell me when I will get the refund. As the refund amount is XXXX my having to front this money for PNC has become a hardship. Unfortunately this hardship does not appear to be any concern of PNC Mortgage as there certainly has not been any urgency on their part towards resolving the matter never mind simply giving me a call back. The fact that this loan was transferred to PNC has become a challenge for my wife and myself and a scenario that we wish had never happened.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

1. account name : XXXX XXXX XXXX XXXX account number : XXXX XXXX account name : XXXX XXXX XXXX account number : XXXX XXXX account name : XXXX XXXX XXXX XXXX account number : XXXX XXXX account name : XXXX XXXX XXXX account number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified above so that I may follow up, please send an updated copy of my credit report after your re-investigation.
Product: Debt collection

I believe the account is invalid. CONSUMER ADJ ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CONSUMER ADJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To

this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns.

Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.