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

Hello, I made an international XXXX transfer from a non-sanctioned XXXX  bank to a XXXX bank. Amount XXXX USD ( XXXX USD after sender 's fee ), XXXX date XXXX. The recipient of the money was an American bank CITIBANK XXXX. ( XXXX ). The transfer was rejected by the XXXX bank ( CITIBANK XXXX ) on XXXX. CITIBANK N.A. informed the sending bank about it. Since then the money has not been returned to the sending bank. On XXXX, the sending bank launched an investigation, but CITIBANK N.A. did not respond. 

I filed a complaint against Citibank and received an answer that they are unable to find my transfer. ( CITIBANK answer attached ) I find their answer unsatisfactory. 
1 ) They mixed up my name.

2 ) According to the attached letter from XXXX Bank, CITIBANK received the transfer and rejected it. This means that CITIBANK must have information about my transfer. 

I request that CITIBANK use the data from the attached documents, including the gpi track number and provide me with information about my transfer and also return my transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the death of the primary account holder I as the cosigner was notified that I had to pay the monthly payments of the student loans. I notified the loan holder that the individual that passed away had life insurance and that that would pay off the remaining balance of the student loans. This took time as the life insurance process took place and until the remaining balance was paid I was harrassed and marked as 120 days late in my credit report damaging my credit score and preventing me to qualify for a mortgage. please see attachment.
Product: Debt collection

Having adverse moments taking care of my sick mother where she resides in XXXX. My mother had issues with a XXXX in her XXXX which debeated the purpose of paying some of my credit cards. I said its either my mother and saving her or my credit cards, enough said, had to let go on XXXX reference number XXXX now being XXXX XXXX XXXX, XXXX where they want {$6600.00}
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit card

Synchrony Bank of XXXX XXXX administers credit cards for Walmart and its affiliate Sam 's Club. We have a dispute with unauthorized debits from a vendor ( s ) based in XXXX XXXX and in XXXX. Synchrony accepts unauthorized debits to our MasterCard processed by " XXXX XXXX XXXX XXXX .The amount charged ( debited ) was {$89.00} dated XX/XX/2016. We submitted a formal complaint to Walmart 's processor Synchrony Bank aka Synchrony Financial and received a written response XX/XX/XXXX that basically said nothing accept that a vendor has our credit card number and our pin number and they can do whatever they wish. We are returning my wife 's and my Walmart credit card 's as we did last month with a Sam 's Club credit card due to what we consider are 'abuses ' on our credit cards. Have sent letters to Synchrony in XXXX and copies to Walmart 's corporate office in XXXX XXXX but to no avail. They just want our money for items unauthorized. We called the U.S.P.S. and they told us to simply write " refused delivery '' on the packages and return them to the Post Office which we are doing. Desired resolution was to stop doing business with Walmart, Sam 's Club and most of all Synchrony Bank and XXXX. 
My information : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and tel. pho. XXXX. Both my wife and I are in our XXXX and remain active. Product information : " Shipping Dept., Supplements, XXXX XXXX, XXXX ID XXXX '' ( no other information on the packaging except " USPS First Class Mail. '' " Ship to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' Thank you, Sen. XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed three disputes with XXXX and was told they had investigated however I learned they don't investigate they just sent an email asking the reporting creditor to verify the reported information. All they require is a response saying it's correct. I have repeatedly contacteXXXX XXXX and the creditor and have sent proof the information was not accurate and it was removed then put right back on. A school loan that was discharged because of XXXX and two items I have no knowledge of and have never been supplied any information by the supposed creditor. I have asked for proof several times and received nothing. Why are credit reporting agencies allowing things to be added to a report based on someone's word and not real proof collection agencies are notorious for reporting false information Vance and Hoffman, XXXX XXXX and XXXX need to be investigated and corrected. 
XXXX XXXX is a preditory agency attempting to collect debts that they know are wrong. I had a secured card from first progress that the balance was paid by the security deposit and they are reporting an unpaid balance. Student loan was discharged and XXXX is showing XXXX XXXX XXXX twice even though it's obvious it's the same account and I have told them this repeatedly how can two places report the same account. XXXX should be required to investigate and get proof when disputed. They don't they just email and ask if it's correct never verifying anything
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Never authorized these inquiries ever!
Product: Checking or savings account

They had made Two Frauds Transaction in my Td bank account, when I called Td bank to disputes all the transactions, after 7 days I called them and they said that they have nothing to do with it because those transactions were made properly. 
( 1 ) For {$99.00} on XX/XX/2018 at XXXX XXXX XXXX Fl ( 2 ) For {$99.00} on XX/XX/2018 at XXXX XXXX XXXX Fl. Td bank knows exactly what's going on with my account. They give away people info so they could have Fraud going on. I don't know anything about Those Two Transactions. I want them to reimburse all my money back to my account. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  SANTANDER CONSUMER USA XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report.
Product: Mortgage

My home is being sold by Wells Fargo after I have attempted to modify my home loan with them twice. I submitted all of my documentation, twice, and after review, Wells Fargo understated my income and denied the modification. They then told me to apply again, which I did, and they denied it again. They have been rude, changed contact persons multiple times throughout the process, understated my documented income to insure I did n't qualify, and now set my property up for public sale without informing me. I found out about the pending sale via a number of solicitations from law firms. I contacted Wells Fargo and they assured me they would overnight information to me. The sale is set for XXXX/XXXX/2015 and they still have not sent me and information or formal notice of the pending sale, in violation of Federal law.
Product: Credit reporting

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX, XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX and they have failed to do so.
Product: Mortgage

In order to reinstate my mortgage I needed to pay {$9100.00} to Bank of America and I sent a bank check for {$7700.00} that was sent overnight express and they received it on Saturday XXXX/XXXX/2016 and my town sent the difference of {$1300.00} on XXXX/XXXX/2016 as a way to help us prevent foreclosure. I have called countless times to make sure the checks were not sent back. I found out today XXXX/XXXX/2016 that the bank certified check of {$7700.00} was sent back to me even though they noted the account and the account manager XXXX XXXX XXXX knew my intentions. I feel that the bank is deliberately sabotaging my mortgage so they can foreclose on my home. I have been in touch with they repeatedly so they knew what I was doing. In fact I faxed them a letter of my intentions as well. I feel at their mercy and under their control.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( block , Inc ) due to lackluster customer service and dishonest practices, which violate the consumer financial protection act ( CFPA ).

Cash app failed in efficiently dealing with fraud on their platform, leaving my account vulnerable and unprotected.

Their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused inconvenience and financial loss, and I seek financial redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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
Product: Credit reporting or other personal consumer reports

The credit builder was NEVER A UNSECURED CREDIT CARD IT WAS PREPAID I COULD ONLY USE WHATEVER AMOUNT I LOADED ON THE CARD I DID OWE ANYTHING WHEN I CLOSED IT MYSELF I FELT IT WAS SUSPICIOUS AND WAS XXXX THEY PLACED THIS XXXX ON MY CREDIT I WANT IT REMOVED IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

don't remember the specific dates but it was on news how negligent the credit bureau has been.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1600.00} XXXX XXXXXXXX XX/XX/XXXX {$27.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$570.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There at 11 accounts on my credit report that reporting negatively. All 11 of these accounts are reporting inaccurate and incomplete information. A lot of information is contradicting, missing and straight up incorrect. I sent a dispute letter to this credit agency and request that they fix this issue. I am in need of buying a home and this is holding me back.
Product: Debt collection

On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from American Coradius International LLC, both asserting XXXX XXXX XXXX as a creditor. The XXXX amount was {$620.00} and the American Coradius amount was for {$50.00}. I checked with XXXX. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in XX/XX/2006. This is clearly identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts : Creditor XXXX XXXX opened on XXXX XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount XXXX Creditor : XXXX XXXX opened on XX/XX/XXXX Amount XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Having trouble having items removed or notated correctly on all credit bureaus.
Product: Credit card or prepaid card

I have a loan with AM HONDA FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and AM HONDA FIN with no successful resolution. XXXX, XXXX  only reporting me late. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act this creditor has violated my rights, 15 usc section 602 states i have a right to privacy ,15 usc 1681 section 604 A section 2 consumer reporting agency can not furnish an account with out written instructions.

15 usc 1666B, a creditor may not treat a payment under a credit card account under an open end consumer plan as late for any purpose.
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 XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
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. 16815-2 ( AN1 ) 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: Debt collection

I received a collections letter from XXXX XXXX XXXX located in XXXX, Washington stating that they are attempting to collect a debt on behalf of XXXX XXXX XXXX. The letter was received in XXXX XXXX. I contacted Pay Pal and asked them if I owed any money to them and they stated they had no record of me owing them any past due amount of money. Pay Pal asked me to send a copy of the letter I received from XXXX XXXX and I never received a response indicating they would take care of the problem. The amount of the debt is {$26.00}. I realize this is a small amount of debt and I am tempted to just pay it and get it over with but there 's no indication from Pay Pal that this is a legitimate debt and I do not want to start making payments for something I do not owe.
Product: Payday loan, title loan, or personal loan

So in XXXX I have put my car in the shop, I contacted affirm because I thought I needed a rental car, the other party was XXXX, XXXX help me get a rental car from XXXXXXXX XXXX XXXX XXXX on the same day, wow I was in line getting ready to get the rental car, the mechanic shop had called me and told me that my car was fixed, so I walked up to the counter spoke to the lady at the counter for XXXX XXXX XXXX, and informed her that I would no longer be needing the rent a car because my car was fixed, but before I even reach the counter I also called a firm and XXXX and XXXX reservation to let them know that I no longer needed the car because my car was fixed, XXXX XXXXnformed me that they wasn't going to charge me and they didn't, XXXX kept giving me the runaround, affirm had told me that they wasn't going to charge me unless the merchant which was XXXX charge me, they agreed loan was {$500.00}, when I called The firm to dispute XXXX claim of me on them a whole {$500.00} affirm done started five or six different dispute in all of them was in favor of XXXX to charge me the full amount of {$500.00}, but the price went up to {$590.00}, and that is not what we agreed upon and even after the loan my taxes was already calculated and everything was already calculated and then they wanted to add in more money, I normally don't deal with XXXX because XXXX have ripped me off before, but a firm is supposed to protect us from companies like this and I'm being ripped off again, a product that I did not use I'm not getting credit for it for the days that I didn't use or my money back and I just paid for the one day that I took the car due to the XXXX XXXX  lady telling me to take the car for a day and return it back the following day, I turned around the car in at XXXX in the morning, but once again no credit has been given to me no no nothing has been given towards me towards my way, just me being told I have to pay XXXX, when our agreement was XXXX, and I don't understand why should I pay the full amount when I have not using the car only to take it to my house and back to the airport. I feel that this long became predatory because I tried to fix this problem with a firm and XXXX I kept getting hung up on even by supervisors and hire at management that's why I'm reaching out to your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for quite some time. I am still waiting for it to be removed. I do not recognize this account and have asked Transunion for them and XXXX XXXX to verify account and send me documents verifying the account or to please remove from my report. Now they have added an extra {$18000.00} to the account. I would like to have this removed as soon as possible.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX