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

XX/XX/2020 : Transferred XXXX USD through Western Union to XXXX to pay for nephew 's school fee. 
XX/XX/2020 : Money debited from sender 's bank account as soon as transfer order was placed. 
XX/XX/2020 : Received confirmation email right away that money has been received by Western Union and will be available in receiver 's bank on XX/XX/2020. 
XX/XX/2020 : Receiver notified money has not been received in receiver 's bank account. 
XX/XX/2020 : Western Union online status showed : Transfer Status Tracking # ( MTCN ) : XXXX Sent The money is scheduled for transfer to the receiver 's bank. 
XX/XX/2020 : Status of money transfer stayed the same. 
Called Western union customer service number at XXXX to inquire and got transferred three times. Each rep put me on hold and finally got to talk to someone who said they will start an investigation. There is no problem with the transfer and will get back to me. 
XX/XX/2020 : Called Western Union customer service number again. Got transferred twice and found out that the transfer was cancelled. I was not informed of it via text or email or phone call. Upon questioning, the rep XXXX ( I am 100 % confident that is not the real name ) said they will credit the money back to my account after they get rejection authorization form some other back. Also, the credit will not appear in my bank for sometime due to banking rules. She also confirmed that there was no problem with my bank or my receiver 's bank. 
If my bank was debited instantly, how come it can not be credited timely? 
Who authorized the transfer cancellation? 
Why was I not informed of this until I started inquiring?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am angered by the Credit Bureaus indifference with regards to my disputes. I have been sending multiple letters addressed to the Credit Bureaus and the last letter I sent to the Credit Bureaus was on XX/XX/XXXX with complete attachments of my Personal information. But despite all my efforts to correct my Credit File, the Credit Bureaus have been ignoring the letters I sent as well as have been neglecting their responsibility to comply with the FCRA section 605b and continued reporting the fraudulent accounts on my Credit File. I am now submitting this complaint to request another investigation and have the items removed completely from my Credit File. I need the following items removed from my Credit File : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX BANK XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The company in question Us Bank ran a hard inquiry on my personal credit report. this company was not give permission to run a hard inquiry on my personal credit report.
Product: Credit reporting or other personal consumer reports

The robin hood credit card closed my account. And that's fine. The statement close date is usually the XXXX of each month. I recently paid the card down to XXXX XXXX XXXX XXXX and the card is still showing a balance on my credit report. 

They normally would post the statement if there was a balance on it. But i find it odd that now there is no balance on it and it's going on XXXX XXXX that the same information is being reported on my credit reports about a card that has been paid in full for a while now.. 

I called the company and they told me to call the credit bureaus. I call the credit bureaus and they tell me to call the company. This is insane that this is remaining on my credit report and is paid in full. It's damaging my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX  XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX {$270.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Portfolio Recovery bought a XXXX credit card debt of mine from 2009 and for two years calls my business phone line multiple times a day. I consider this harassment. I have answered the phone and asked them to stop calling. PR admits that the debt is XXXX and not enforceable. But their strategy is to keep calling everyday multiple times until I succumb to this harassment on my business line. Can I sue for cease and desist and for damages?
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold by United Wholesale Mortgage to XXXXXXXX XXXX XXXXXXXX XXXX. I was accepted and enrolled in the VA mortgage forbearance mortgage program. The loan number was XXXX with XXXX. I was awaiting documents which never came for me to sign and put the two allowed skipped payments at the backend of the mortgage. I made 12 attempts to contact UWM and left voice mails each time. I refinanced via the VA streamline loan program with XXXX XXXX on XX/XX/2021. Know one ever contacted me via the US Mail or telephone telling me that XXXX XXXX was now my loan holder. When XXXX assumed my new mortgage in XXXX of XXXX the program allowed me to differ the first payment to XXXX of XXXX. XXXX XXXX XXXX shows me late on national credit reporting for the months of XXXX XXXX and XXXX of XXXX when no loan was with them. UWM the parent organization will not correct that error and will not admit that the loan documents that they claim sent were ever sent by them. They accepted me into the forbearance program and the payments of the program were made to them and their own records reflect those payments. Therefore I want UWM to notify the credit reporting bureaus that no late payments of any type were incurred by them and I want the records corrected to show no late payments of any kind especially for the months of XXXX through XX/XX/2021.
Product: Money transfer, virtual currency, or money service

Due to the COVID 19 pandemic I have had to find a new ways to pay workers of my company. I figured Id use the Chase online web portal because I have used it in the past with recipients with success. 

On the date of XX/XX/2020, I tried to make a XXXX payment to an employee via the Chase online website from my Chase business account. The recipient has a chase account as well so the transfer should work just fine I assume. I first sent a payment of {$5.00} to my employee using the employee 's phone number option linked to there XXXX account. It ended up not going threw so I tried using the employees email address to send {$2000.00} and that payment went threw. I assumed that the {$5.00} that did not go threw would have been refunded to my account however it has not been. 

On the date of XX/XX/2020 I tried to send the same receipt of whom I had sent {$2000.00} to previously with success, another {$1000.00} using the same recipient option on the Chase website portal to send the money, but entered there phone number assuming that the number and email and accounts are linked. Which according to the recipient are, and with proof on the recipients screen shots from XXXX they are. But for some reason when the phone number is entered in the Chase/XXXX   portal the payment transfer does not go threw. 

So a couple hours after sending the {$1000.00} on XX/XX/XXXX my employee is telling me they had not received the payment so I contacted the Chase to let them know the payment did not go threw. They did some looking up and I ended up finding out that the {$5.00} payment form XX/XX/XXXX had never been refunded and now the {$1000.00} I sent using the recipients phone number had been sent out but not to my recipient. I had my recipient show me her screen shots of the accounts linked and I have provide that in these documents. We had XXXX check to make sure the phone number is linked to the recipients account and they say it is. We both called Chase together on a shared call to get to the bottom of this to explain how the accounts are linked with the recipients phone number and email on XXXX. After a lot of back and forth explaining to Chase there systems error they finally told us theyd open a claim and I should be refunded within 10 days. 

On XX/XX/2020. I received a letter from the bank telling me that they will not refund my {$5.00} payment or {$1000.00} payment to me. I am writing this letter because Chase or XXXX has stolen or misdirected my payment and neither company will let me know where my payment went, even though I have documented digital proof that the accounts are linked via phone number and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple attempts to repair disputed items reflects repaired then shows up again- example incorrect name in personal data- Daughters information- also no score provided even though they claim free score available! " FACT : A credit score isn't included on your credit report Check your XXXX Score credit score. 
Choose an option below. 
Your credit scores should be free. And now they are. 
Check your scores anytime, anywhere,
Product: Debt collection

XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX I sent a cease and desist letter for no further contact about a debt owed on XX/XX/2019 via certified mail. The card was signed by an employee upon return to me to notify of it's receipt. XXXX XXXX XXXX in turn did not provide me a letter after about proving debt to the address I had requested IF debt was valid. All credit reports state no debt is owed and no derogatory marks are listed. I had informed them in my letter that if they contact me again that I will file a complaint with the Federal Trade Commission and all calls will be screened. At XX/XX/2019 they had contacted me again. They were informed of recorded calls again ( via XXXX XXXX XXXX ) and disconnected.
Product: Debt collection

KIA Finance. I am a lessee. I moved from XXXX to XXXX in XXXX and notified my insurer before I moved on XX/XX/XXXX and contacted KIA to transfer the title to XXXX  so I could register the car in XXXX. XXXX DMV received the title on XX/XX/XXXX and I registered the car that same date. KIA Finance paid XXXX for XXXX sales tax that was due for the year beginning XX/XX/XXXX but I was already living in XXXX, thus no sales tax was due. Before I even moved to XXXX  I notified the Sales Tax Assessor in XXXX, XXXX that I was no longer living in XXXX  and she gave me her name and email and told me to email her once my car was registered in XXXX and she would refund KIA the sales taxes erroneously paid by them. My monthly KIA car payments are automatically deducted from my bank account and they are up to date. But everyday a KIA finance agent calls me to pay them the XXXX  sales taxes of {$280.00}. Ive spoken to 5 people from KIA in the last 3 days, two of which hung up on me when I explain this isnt my debt. Today their collection agent claimed that I was late on my car payment because she said they switched my car payment to apply to XXXX sales taxes and it will go on my credit report as not having paid my car payment. She said they were allowed to apply the money paid to my car payment any way they wanted. I am spending hundreds of dollars overnighting mail to KIA and the State of XXXX only to have 2 KIA agents tell me they will destroy my credit unless I pay this money owed because KIA will not ask XXXX for a refund - implying it is easier to harass their customers to XXXX  instead.
Product: Debt collection

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Additionally, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( XXXX ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$5500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Canceled by credit grantor Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$5500.00} Account Type : Credit Card Payment Frequency : Not applicable Credit Limit : {$4500.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated.

Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following items removed from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00}
Product: Bank account or service

I have been a Chase Banking customer with a checking account since XXXX. During a 6 month unemployment period in XXXX I had gone into arrears as Pre-authorized payments were not cancelled in time. Chase advised me of the amount and I had been paying gradually through payroll direct deposit to reduce the balance owing. My account had apparently been closed in XX/XX/XXXX but I was able to make deposits into the account. However, when I filed my XXXX tax return, my CPA did not change the bank information, and the refund went to this closed account sometime in XX/XX/XXXX. Sometime around XX/XX/XXXX I was informed by the payroll department of my company that deposits into this checking account number were no longer being accepted. I have not received any notice from Chase that funds were deposited into a closed account. The IRS wrote me a letter that these funds were deposited electronically. If this is the case, then my overdraft should be clear and I want my checking account re-opened.
Product: Credit card

I received a {$500.00} American Express eGift Card from my employer last year, in recognition of service. AMEX states that the pre-paid card is widely accepted online and in-person everywhere. However, I have tried to use this card and it has been declined everywhere, both online ( including XXXX and XXXX ) and in-person. Ive spoken to AMEX customer service twice about this problem ( including today XX/XX/2024 ), and the only advice I receive is to try other merchants. To have a prepaid card that is repeatedly declined is frustrating, embarrassing, and defeats the purpose of the card itself. I found that many others are experiencing the same issue ( including complaints here on the CFPB website ). I encourage the CFPB to take action against American Express as it is accepting money from people who buy the gift cards, but make it virtually impossible for recipients to use the funds. Shameful, disreputable practices.
Product: Checking or savings account

Citizens Bank promoted and promised an interest rate of 5.5 percent on {$25000.00} increments of new money. When I got my first monthly statement after depositing {$100000.00} dollars of my life savings, the interest rate was 5.37 percent and not 5.5 percent as customers were lead to believe. Im a XXXX XXXX and feel that Citizens Bank took advantage of me. I never would have moved my money there. 
XXXX XXXX XXXX Citizens Bank is located at : XXXX. XXXX XXXX XXXX, RI XXXX
Product: Mortgage

Hello, I had a mortgage with Zions Bank, but service by XXXX. The mortgage was paid off back in XX/XX/XXXX. They sent us escrow overage refund check # XXXX for {$1100.00} dated XX/XX/XXXX, and I misplaced the check. And finally found the check on XX/XX/XXXX. So the the check have not been cashed yet, but its staled dated so I contacted XXXX. 

I have contacted XXXX  multiple times, and not making any progress. I'm on the end of the road, they won't send me my escrow overage money back. I'm tired of this fight. I hope someone can help me. Why is it so hard to get your escrow refund money back? but if the other way around, if we are as a customer late on making payment-of course they will hunt you down. 

The following information below is my attempts to contact XXXX : XX/XX/XXXX - I contacted XXXX XXXX XXXX, to check the status of my Escrow refund for {$1100.00} check # XXXX to make sure its still outstanding. 

XX/XX/XXXX - see document XXXX.pdf for XXXX responded XXXX Please confirm your current mailing address. Once we receive your response, we will ensure your mailing address on file is correct and request to have the check stopped and another reissued to you. Please allow 3-5 business days for processing, at which point the check will be sent to you via US Mail. 
XX/XX/XXXX - see document XXXX email2.pdf for my respond to confirmed my mailing address, and request for the replacement check. and XXXX responded with : Please allow 3-5 business days for processing, at which point the check will be sent to you via US Mail. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I sent multiple emails to follow up with the status of my new check, and each representative could not help with all kind of different excuses. See document Multiple Attempts.pdf XX/XX/XXXX at XXXX ( MST ) - I called XXXX at XXXX for total 39 minutes. Took her awhile to find my account because the loan was paid off last year. She said that there's a stop payment order for check # XXXX but no re-issue of check. And she said that she will investigate this and call me, to make sure they re-issue the check. She assured me that someone will call within few days. 

XX/XX/XXXX - I emailed XXXX  again to follow up again XX/XX/XXXX at XXXX ( MST ) - I called XXXX again for total 21 minutes. After explaining everything again, the Support Reps, pulled the record and said since XX/XX/XXXX - only stop payment order for check # XXXX but no re-issue of check. I asked if I should call Zions Bank since the mortgage is with them and XXXX is only servicing, she said ... no, Zions Bank will have to contact XXXX  anyway. She asked me to check back in 10 days, she'll escalate this. 

XX/XX/XXXX - XXXX responded to my XX/XX/XXXX email Thank you for your recent inquiry regarding your check reissue. We apologize that we have been unable to respond to your message within our standard processing time. We regret any inconvenience this delay may have caused. This message is to inform you that your inquiry has been acknowledged and is being researched at this time. Please anticipate another 15 to 30 day response time for this particular issue.
Product: Student loan

I have tried to get on the SAVE plan since early XXXX when first applying. I called later because my paperwork was denied and I was told that it should be fine and to submit my W-2 again. Now Im being told the second submittal from XX/XX/year> was never received and my application was denied from lack of signature and they can not help me in any way. I can apply for deferment but no guarantee it will be approved and will be past due for a payment I can not afford. Ive tried to submit the paperwork more than once and was never told about there needing to be an adjustment official signature and now Im being pushed aside like nothing. I was told there is nothing they can do for me although Ive done everything I can to make this work. To top this all off I was unemployed for the last two weeks for XXXX and just started my new job in XXXX. The rep tried to dismiss me as soon as I got on the call which caused me to blow up. Between the horrible service and poor communication I am left with a debt I can not repay with no real options for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEP ED, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX