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

Tracking Number ( MTCN ) XXXX Transaction Date XX/XX/2019 Transfer Amount ; {$2000.00} USD Senders Name XXXX XXXX I paid for a money transfer in cash to be sent to the receiver at XXXX in XXXX. The appropriate account number was provided. XXXX states they never received the transfer. We provided copies of the XXXX bank statements to Western Union to proove that the transfer was never received in to the receivers account. I followed up with Western Union to try to resolve the issue. They did nothing to show proof that the transfer was in fact deposited to the financial institution. I believe fraud has transpired either by Western Union employees or employees of XXXX. Western Union offered a better money exchange rate if the transfer was sent to XXXX and that is the only reason I agreed to send the transfer to that specific bank. Now, Western Union is not providing me a refund for using a third party partner or affiliate. This is a major issue and a substantial loss of funds. The recipient did not receive the money transfer at the bank where Western Union sent the funds. I believe Western Union has been negligent in their third party vendor management due diligence. I believe Western Union owes me a refund for the funds that it transferred and which never received by the receiver. If the fraud was committed by the vendor/affiliate/partner bank that received the funds from Western Union, this does not absolve Western Union of its responsibility.  They are responsible for the fraudulent behavior of their partners/vendors/affiliates and I have recourse under the law. I lieu of filing a lawsuit, I would like the CFPB to investigate this issue. The proper resolution is a refund of {$2000.00} USD plus the fee paid for the transfer.
Product: Credit reporting or other personal consumer reports

EQUIFAX FACTUAL DATA XX/XX/XXXX EQUIFAX XACTUS XXXX XX/XX/XXXX EQUIFAX XXXX XXXX BANK XXXX XX/XX/XXXX EQUIFAX XXXX XXXX BANK XXXX XX/XX/XXXX
Product: Debt collection

I took XXXX XXXX XXXX to court onXX/XX/XXXX regarding a {$1500.00} bill. They XXXX out the balance during mediation, rather than risk my winning in court. I checked my credit report shortly after the court date and noted that the debt was actually removed from my credit report, prior to the court date. <P/>Today (XX/XX/XXXX ), I received a credit alert and found that the XXXX XXXX XXXX debt is back on my credit report.I contacted the agency, Diversified Consultants, and they told me that they did not report it ; and even so, they told me that they do n't remove items from credit reports. I asked to speak to a supervisor, who told me that XXXX XXXX XXXX recalled the debt, but that they did not actually report it to the credit bureau. After I insisted that it was on my report, I was told to send them screen shots of my credit report and that they will get back to me. <P/>The fact that they told me they do n't remove items from credit reports, and the fact that they are unable to even locate a record of the report, leads me to submit this complaint. <P/>I have submitted a photo of the letter from XXXX XXXX XXXX 's legal counsel, as well as the screenshots of my credit report that I was forced to send to Diversified Consultants, since apparently they do n't keep records of the debts they send to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed with Experian several times by mail and online i have even called Experian XXXXThey are reporting a public record chapter XXXX bankruprtcy on my report they said they verified through XXXX XXXX  i have my XXXX XXXX report and its not on there at all so that means Experian is false reporting and i want it removed. I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.
Product: Bank account or service

It was on XX/XX/XXXX That we suddenly see few returns from PayPal. Returns belong to one of our old customers that we know him well. This customer was buying from me from XX/XX/XXXX and during these years he bought over XXXX dollar from us. I text the guy that what happened why you start asking your money back? I was angry. He said he have no knowledge of that. He checked his account and saw PayPal block his account and from us returned {$3600.00}. He just returned from travel and he was shocked of what happened. 
I and he called PayPal for reason they said they have future activated in all business account name friend and family and they said he send money from that future and he did n't use conventional way. I told PayPal the guy just come back from long trip and most likely his associate did this out of lack of knowledge.interecting is this future in business account is illegal and since our business account is connected to our business banking having this future is kind of promoting money laundering. I told that to PayPal that our business banking not suppose to have this future from first place and if PayPal is bounded to government must know that you cant connect our business banking to personal purchase and if IRS find out they will penalize XXXX but they said this is fine. I told them I want to close this future permanently they said you cant but we can do from our side and after few days on phone back and forth they did. Hopefully for us not for many many many other account that they have. I ask them what happened to my money they said we will return to his account and he have to return it to you. I told them you block his account and currently he find better business and is not in this business any more. Only respond I heard was nothing, These people using illegal futures to still money, we sold the merchandise to customer and we thought we receiving correct money but we find out its not, you might ask you can see this comes from friend and family that 's your fault to accept my answer is you can come and check all out print out from PayPal it do not say any thing that how this money got here. Some thing rotten going on in PayPal and they start stealing money appreciate you look into it and publish it maybe some other poor customers like me get to gather and do class action maybe they could return their lost money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account currently listed and showing on my Equifax and XXXX credit report has an incorrect balance : XXXXXXXX XXXX  XXXX XXXX, {$510.00}. The balance of {$510.00} is inaccurate. XXXX XXXX XXXX XXXXXXXX XXXX account is paid in full and I have a balance of {$0.00}.
Product: Money transfer, virtual currency, or money service

I set up a transfer of {$2500.00} to a new savings account I opened with XXXX XXXXXXXX. I set up a me to me transfer using XXXX. I never received the money. After 4 claims, I was advised I put in an incorrect account number for my XXXX XXXX savings. I notified XXXX XXXX right away. They said I had to go through Citizens Bank because that is who initiated the transfer. My savings account shouldve been verified that it was in my name but wasnt. I have never received my money from either bank.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Experian Regarding Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual, Closed or paid account/XXXX balance Dispute Status : Account not disputed Creditor Type : Bank Credit Cards ( XXXX ), National Credit Card Companies ( XXXX ) Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by credit grantor ( XXXX ), Closed due to inactivity ( Experian ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$1700.00} Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 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 card

I recently looked at my credit report to realize this company has my account in negative. I never was given a physical card or statement when first applying for this card. I began to receive statements end of last year early this month. When attempting to pay it continued to say my information did not match on the site. I called a few weeks ago and they had the incorrect information so they fixed it and I was able to begin payments. Now they are reporting a negative account to my credit report due to an error they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

XXXX XXXX XXXX I negotiated through a phone call with the debt collector to pay off my debt for the amount of {$400.00} to XXXX. I requested an email confirmation for the payment but I never received the email.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. XXXX XXXX XXXXBalance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This Creditor had No Permissible Purpose to obtain my consumer report information.

This Creditor Violated Multiple Sections of Federal Law, including but not limited to : - [ 15 U.S.C. 1681b ], Permissible Purpose of Consumer Reports - [ 15 U.S.C. 1681s-3 ], " Consumer Report '' does not include any report containing information solely as to transactions or experience between the Consumer and the Person making the report.

Transactional Information was reported to my Consumer Reports in clear Violation of Federal Law ; FCRA [ 15 U.S.C. 1681a 2 ( A ) ( i ) ] and [ 15 U.S.C. 1681s-3 ], ( ... by reporting this transaction or experience on my consumer report, which CONGRESS clearly states IS NOT included on my Consumer Reports ).

A Notice and Demand For Deletion of these Late Payments on my Consumer Reports was sent to the Creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor has not deleted this inaccurate information, nor has responded in return.

It has been well over 30 Days from the date of receipt of my Notice and Demand letter.

Please Delete/ Remove these late payments from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX on XXXX regarding my car note with the financing company. I requested an extension on that day. I was sent a form via email to receive a 2 month extension for the months of XX/XX/XXXX and XX/XX/XXXX. I called within 30 days to save myself from being reported 30 days on my credit report. The point of getting a new car note, though I own a paid off vehicle, was to build positive credit. I signed and resent the extension request letter to XXXX via email on XXXX, after being told by the customer service told me that I was eligible for an extension. I contacted Customer Service again on XXXX after discovering that my credit report had a late payment showing 30 days late. I had no idea that it was absolutely required for me to email or fax over the document. I was told by the CS rep on XXXX that I could email the document back. Customer Service revealed to me that the extension request document would need to be faxed or mailed to XXXX. I was told that the documentation would be effective for 17 days from request, for mailed forms. I sent the XXXX via certified mail. This would be 10 days later. The item was estimated to arrive by XXXX, which would have given enough time to process this the extension request, considering that it was not conflicting with business days. The mail was not received and signed for until the XXXX of XXXX. The delay was due the fault of USPS. I was resent a new request form on XXXX. I was not able to complete the 2 fax attempts on XXXX. Which I have attached proof. I was able to successfully complete the fax on XXXX on that Monday. 
I was successful. I contacted the XXXX to ensure my paperwork was received on Tuesday morning, XXXX. The Customer Service rep told me that I owed {$990.00} and to allow 2-3 business days for the Extension Request to be processed & uploaded to the account. I processed a payment equivalent to one month installment payment to avoid a 60 days late payment, since now I know that XXXX does not go by business days when measuring days late. I made a payment on XXXX to avoid a 60 day late payment mark on my credit report. The account used to pay the bank account was the bank account that keeps kicking back from the system & blocked me from online access to pay. Thats another issue. The same account that is in the online portal is the same account that the Customer Service reps use to complete my over-the-phone payments. Being blocked from having the ability to pay online is overwhelming. I say all this to say that the tardiness of the 2 month extension form was out of control. The Customer Service Rep that told me to send the extension form back via email is not my fault. I was wrongfully reported 30 days late even considering XXXX and the XXXX XXXX holiday. I would like to request that the 30 day late payment is removed from my report. Its wrongful reporting and the delays are not my fault. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal to verify- throuth the physical verification of the original signed consumer contract any and all accounts you must on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX XXXXXXXX XXXX XXXX Late Payment XXXXXXXX XXXX  XXXX # XXXX XXXX XXXXExperican # XXXX XXXX XXXXXXXX XXXX  Experican # XXXX
Product: Mortgage

Since XXXX XXXX, 2015 we have been trying to get a Line of Credit or mortgage with Wells Fargo. Every week there was something that changed the loan. They first started with a line of credit and said no. Then we went for a mortgage and have asked for everything XXXX times. Then after we waited patiently and heard nothing for 2 weeks we called and they meet with us. The understanding was they were processing all the information and would get back to us. We waited again and called again had to be called back. Then we were told the loan would not be in both names just in XXXX XXXX and not in both XXXX and XXXX XXXX also we would have to pay off all credit cards and close all accounts. We did not like that all of our accounts had to be closed and both of our names were not on the loan. We contacted another lender and explained what had happened. He said to give him our information and he would let us know what he could do It took him 2 days and we had all the answers we are both on the loan and we are paying off some of our debt but do not have to close all accounts because that affects your credit, I notified Wells Fargo and let them know that we were not accepting the loan. 
We also asked them to reasssign our appraisal which we paid for a couple of weeks ago. YThey wold us they would not reassign our appraisal to XXXX XXXX XXXX so we may continue with our loan process. We paid {$450.00} which XXXX XXXX said was a little high for the appraisal. I would like my appraisal reassigned to XXXX XXXX Wells Fargo can do nothing with it so why wo n't they give it to us?
Product: Credit reporting or other personal consumer reports

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 I did not get permission to run those hard inquiries I demand those reports to come off my credit
Product: Credit card

I signed up for a promotion via chase.com/mybonus, where Chase offered XXXX XXXX Rewards ( UR ) points after completing a Chase Travel hotel booking of at least {$400.00}. I met all the terms of the promotion, but instead of receiving XXXX XXXX points, Chase credited me {$100.00} in cash backwhich was not part of the promotional terms. 

I have screenshots of the original promotion, clearly showing that the reward should have been in XXXX points, not cash. However, Chase customer service has repeatedly refused to honor the original terms and correct the issue. 

I request that Chase properly credit XXXX XXXX points to my account as originally promised in the promotion. 

I request that Chase honor the original promotion by crediting XXXX XXXX points to my account.