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

On  XXXX / XXXX / 2017  a money transfer of {$1500.00} was sent to   XXXX   XXXX   XXXX   XXXX   XXXX   vi a Western Unionim  error. I calle d Western Union within 1 hour of the funds being sent to request a transfer to the correct company. Western union stated it could take up to 48 hours for the transfer to process, so then I request a refund and that would also take up to 48 hours. I call   western un ion on  XXXX / XXXX /   17  to see if the refund was available and they said  XXXX  had not replied to the refund request. I called  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and  XXXX   XXXX   XXXX   has no record of the transfer of money seeing that I do n't even have an account with them and the account  number that was sent on the transfer does not even match their account numbers. I sent a fax of the western union to   XXXX   XXXX   along with the sequence number, and they have no payments in their system. Western Union ref uses to refund me the amount that was sent to the incorrect company. I have no account now or in the pass with  XXXX   XXXX   XXXX   or any of it 's affiliate s. Western Union  repersentive have stated that they have sent multiple request to  XXXX   XXXX   XXXX   XXXX   XXXX   since  XXXX / XXXX / 2017  (  at least 3 emails ) and have not been replied to.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized credit inquiry that has appeared on my credit report. The inquiry in question is dated XX/XX/year> and was made by XXXX XXXXXXXX VIA DEALER. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit report can only be pulled for specific permissible purposes, such as with my consent or for certain credit-related transactions. I did not authorize or provide consent for this credit inquiry to be made. Therefore, this inquiry is in violation of my rights under the FCRA.

1. Unauthorized Inquiry and Request for Removal The unauthorized inquiry in question must be removed from my credit report immediately. Under 15 U.S.C. 1681b, it is a violation for a credit report to be accessed without the consumer 's consent for an impermissible purpose. I request that you investigate this matter and remove the unauthorized inquiry from my report in accordance with the law.

2. Damages and Penalties In addition to the removal of the unauthorized inquiry, I am requesting {$1000.00} in damages under the provisions of the FCRA. Specifically, 15 U.S.C. 1681n provides for statutory damages for willful violations of the FCRA, which includes the unauthorized access of a consumers credit report. In accordance with this provision, I am entitled to receive damages for any harm caused by this violation, including the {$1000.00} statutory damages allowed for willful noncompliance.

Further, under 15 U.S.C. 1681o, I am entitled to actual damages if it is found that the inquiry was not only unauthorized but also caused harm to my creditworthiness, and any additional penalties for reckless disregard of the FCRA.

3. Request for Written Response Please provide a written response within 30 days of receiving this letter confirming that the unauthorized inquiry has been removed from my credit report, and that the necessary action has been taken to address this violation of the FCRA. Additionally, please provide any documentation of the investigation and corrective actions taken regarding this matter. 

Should I not receive a satisfactory response or compensation within the required timeframe, I will pursue further legal actions to enforce my rights under the FCRA.
Product: Debt collection

NOTICE TO CEASE AND DESIST Re : Stop ALL Debt Collections Calls 2nd Request Dear GC Services ( GCS ), LP, This letter is in response to the many phone calls I have received from You at the following telephone numbers : GC Services ( GCS ), LP I.d . Call Log Day Time Phone # XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c. this is my formal declaration to terminate and cease ALL communication from You in regards to the debt You are attempting to collect. 

In response to the Cease Communication letter, in accordance with the Federal Fair Debt Collection Act, You may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place. 

Please be advised that I am well aware of my rights and know that any further contact by You or Your Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) Party that You use to coerce the collection of this debt shall also be in violation of federal law. 

If You do not cease communication a lawsuit will be commenced against You. 
This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication is to continue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

good afternoon, ive been asking for Validation of debt owed to XXXX XXXX XXXX XXXX for a check that went to collection but has already been paid The Collection agency is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Screening disputed : XXXX XXXX Reason : Wrong Person Case number : XXXX Charge XXXX XXXX Location : XXXX, FL Explanation : This is not mine. My name is XXXX XXXX XXXX XXXX I am not affiliated with this person. I dont know who this is. Please XXXX there needs to be some type of fairness. XXXX XXXX XXXX is not me I have never dont XXXXXXXX XXXX XXXX XXXX XXXX XXXX  None of these county searches are me. 

I have attached My Id to show my full name. This has damaged my way of living. 

Checkr and XXXX should be very much responsible for this inaccuracy. 
This is how I feed my kids!!

15 U.S. Code 1640 Civil liability states damages up to {$1000.00} per violation for damages. If I can't get this resolved. I will like to Extend my rights. This is discrimination. I am not this person. I have attached the results below., if a person or party is found liable for a non-criminal act that caused harm to the plaintiff, they are legally required to pay the monetary funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion many times and explained that the accounts that they are reporting under my name a fraud accounts. I have sent all the requested documents & they continue to report the accounts that do not belong to me. I am requesting again for the fourth time to please delete and block the accounts that you are reporting for XXXX XXXX  {$1700.00} & XXXX, XXXX XXXX XXXX  {$140000.00}, along with several Accounts from the Dep of Ed/XXXX. I am asking again to please delete & block this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

We have a credit card through XXXX that closed in 2012 in the amount of {$6200.00}. 
The account was sold to Midland Funding, and they have since been charging interest on the account as if it is still open, but we have documentation from XXXX that this account was closed. Since purchasing this account from XXXX Midland has added more than {$1000.00} extra dollars to what we owe. We would like to settle this account for either the original amount or less than the original amount without this extra {$1000.00} that we do not owe. I have spoken to XXXX and this account was sold in XXXX of 2012 and Midland purchased it in XXXX of 2012 and has been charging money to the account ever since. We have made several attempts to find out why this company is still charging amounts on this card after it was closed and they refuse to tell us why. They also refused to send any validation on this card of when they purchased it and what the original amount it closed for, so we had to go to XXXX to have them give us all the information. Why are they charging more money when the account has been closed since 2012? Documentation from XXXX will be provided along with my credit record showing that Midland is charging on this account still.
Product: Money transfer, virtual currency, or money service

My friend posted on her social media page ( XXXX ) her father was moving to an assisted facility because he could no longer care for his home since her moms passing. The money raised from the items sold will be used toward the expenses of the facility. There were pictures of random house items included such as a bed, couch, fridge and other items. She posted her uncle was point of contact and listed his number to call and inquire. I trust this individual and had no hesitation or concern about her post. I had called the number and inquired about the fridge and he said it was still available. I asked if he had Zelle because that is what I use and he said he didnt but his niece did. Sent me the number to send payment to the fridge to his niece. I proceeded to send payment over, which was {$600.00}. He said his niece received it and would mark it as sold. Asked how old the fridge was and a good time for pick up which he responded and provided answers to my questions. I carried on with my day. Hours later o texted my friend asking her if she was able to sell all of the items for her dad. She then proceeded to tell me her XXXX account had been compromised. 
I filed a fraud claim with the FTC with Texas, notified and filed fraud report with my bank and filed fraud report with Zelle. As a side note, Zelles customer service number that claims on their website to provide support, is also not accurate. The number provided on their website explains the customer has to speak with their bank provider because they dont have customer information and are unable to assist. 
I was emailed by Zelle, the following day after my fraud report, that since it was an authorized transaction they would not be able to assist with getting a refund. Requested an alternative number to speak with a representative to further dispute because the false identity of my friends uncle does not make the transaction an accurate statement, its deceptive because their account was compromised and therefore I was scammed into an authorized transaction. There was no further response from Zelle via email ( which has been the only point of contact is via Email ). 
XXXX XXXX  is of no assistance although I have banked with them for years and their customer service support team is always available over the phone and via email. Response over the phone has been the same because it was an authorized transaction. They gave me an email to dispute my fraud claim and did not hear back from them. 
I hold Zelle accountable because they allowed an ill intended and fraudulent person to open and access a Zelle account without any repercussions. I provided the information in their fraud report with the individuals phone number, name and transaction number with still no response or resolution. I also hold XXXX accountable for not standing by their bank customers even after pictures were submitted to show proof of both my friends account being compromised and my transaction with the individuals involved whos names and numbers were also provided in my fraud reports.
Product: Credit reporting or other personal consumer reports

balance on the account is incorrect I have tried to even communicate that the address the company is reporting is also incorrect.
Product: Checking or savings account

So I did a mobile deposit with the tax refund check from the IRS it also had my kids father 's name on it the bank said if there was gon na be a hold they would send me a email never sent me a email now there holding my money for over 30 days I called multiple times I was on the phone for hours they said if we make a joint account together the check would clear we made a joint account together now there saying I have to wait still over 30 days they could just have rejected my check and I would have cashed it in my other bank now there making me wait and there saying there just gon na send the check back after the 39 days
Product: Credit card or prepaid card

XXXX : Amex admitted that it LIED to me TWICE in a letter it sent me re : my orig CFPB complaint. 

XX/XX/XXXX : American Express has refused to honor the bonus promotion of XXXX XXXX miles when I opened a new XXXX  Gold Amex card in XX/XX/XXXX pursuant to an AMEX solicitation to apply! I met the terms of the offer -- spend {$2000.00} within the first 3 mos for XXXX miles. By mid-XX/XX/XXXX, I spent $ 2500+. Thus, AMEX was supposed to credit my XXXX  acct with XXXX miles. It never happened. Amex refuses to acknowledge this solicitation for my application w/o which I would NEVER have applied. 

On or around XXXX XX/XX/XXXX : I chatted online w/ Amex to inquire re : the status. See attached screenshot. Amex claimed to have opened a case to investigate the terms of the promotion and needed to be reviewed and it should take no longer than 6-8wk. Amex NEVER got back to me. I never received my XXXX bonus miles. AMEX now ADMITS that it LIED when it said it would investigate. AMEX has done NOTHING to compensate me for its LIES and BROKEN  PROMISES On or around XX/XX/XXXX : I called Amex to close my account now that I was being charged {$95.00} for the annual fee. I inquired about the XXXX bonus miles. Amex confirmed that I met the terms for the promotion. XXXX XXXX Case ID Dispute XXXX. He put notes on acct. XXXX stated that he's also including {$95.00} annual fee in the dispute to be waived. I asked to change the card to one w/o an nonannual fee, but XXXX said that bonus miles might not be credited. I disagreed since I met the terms of the promotion a year ago and the fact that it hasn't been appropriately and timely credited shouldn't force me to keep my acct open now. But AMEX advised that I have to keep the card as XXXX Gold if I want to get the XXXX miles. 

My concern was that if I don't close the card within 30d of the annual fee charge, Amex won't ever credit it. XXXX assured me that it would be credited when the XXXX bonus miles are credited. I asked When should miles post? He said 6-8wk, but I should see it in less than month. 

XX/XX/XXXX : AMEX admits it LIED re : 1 ) the XXXX bonus, 2 ) that it would investigate in XX/XX/XXXX, 3 )  that it would investigate in XX/XX/XXXX, and now 4 ) my prediction is true : AMEX TRICKED me into keeping my acct open for this ALLEGED INVESTIGATION THAT IT NEVER DID and charged me a PRORATED annual fee WHEN I STOPPED USING THE CARD in XX/XX/XXXX and ONLY KEPT IT OPEN b/c AMEX PROMISED IT WOULD INVESTIGATE the bonus promotion. I have indisputable proof of AMEX 's promises that it can not deny! 

AMEX and its employees are DISHONEST, UNETHICAL, and LACK INTEGRITY. I will NOT PAY this fee which ONLY resulted b/c AMEX TRICKED me into keeping my acct open for an investigation it said it would conduct only to find that Amex NEVER did any investigation over a one-yr period. I foolishly TRUSTED AMEX but I won't be fooled again.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX a week ago, XX/XX/XXXX, and somehow got through to speak to a live person, which today I have not been able to do. I sold a home in XXXX, and they are showing the mortgage as Open with a zero balance. I am trying to rent a Section 8 senior apartment, and HUD is accusing me of misrepresenting my assets and potential liabilities, which is holding up the entire application. This is the letter I sent to them this morning through their contact page. Please help.
Product: Prepaid card

I purchased two American Express gift cards from XXXX. With first purchase I was able to use the card with no issues. After trying to buy groceries my card declined. I tried it again and I got an error. So now there {$80.00} of my money that I dont have access too. American Express told me to try it at various store. There has been no success. Ive tried XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX All telling me theres an issue with my card.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter concerning the reporting of secured credit cards on credit reports and the negative impact it has on access to credit and credit scores. I believe this issue needs to be addressed to ensure fair and equal opportunities for individuals located in underserved and underresourced communities seeking ways to build and or rebuild their credit. As an individual who has utilized a secured credit card to build credit history, I have noticed that the reporting of this type of credit card on my credit report is having a marginalizing effect. Despite making payment in full utilizing my own funds, the presence of a secured credit card on my report seems to have a negative impact on my overall creditworthiness. Upon reviewing laws and regulations related to credit reporting, I have learned that the Fair Credit Reporting Act ( FCRA ) governs the collection, accuracy, and reporting of consumer credit information. However, there appears to be a gap in the regulations regarding the treatment of secured credit cards on credit reports and the CFPB priorities anchored in your XXXX XXXX Report to propel XXXX Orders XXXX and XXXX. I believe that the current reporting practices regarding secured credit cards are disproportionately affecting individuals who rely on these cards to establish credit. This marginalization could hinder their access to other credit opportunities, such as loans, mortgages, and even employment prospects. Additionally, the negative impact on credit scores can further perpetuate a cycle of limited credit access and financial inequality. At present the XXXX Summary date XX/XX/year>, from XXXX documents I owe in excess of XXXX to XXXX which is incorrect. I kindly request that the Consumer Financial Protection Bureau investigate this matter as this account is Paid in Full. I request for CFPB to consider implementing regulations or guidelines to address the reporting practices associated with secured credit cards. The goal should be to ensure that individuals located in underserved and underresourced communities who responsibly utilize these cards are not unduly penalized or marginalized in the credit evaluation process by creditors and that it does not negatively impact their ability to access credit due to these reporting errors particularly if accounts are Paid in Full. I appreciate the important work the Consumer Financial Protection Bureau does in safeguarding consumer rights, and I trust that this matter will be given the attention it deserves.
Product: Debt collection

XX/XX/2019 received a call from XXXX XXXX while I was at work on my work phone. He was looking for a XXXX XXXX, possibly my sister who lives in another town. I politely told him he was violating the law by calling me at work to track down my sister who I have not lived with for 30+ years. he then used profanity cussed and slammed the phone in my ear. i called the company back to speak to a supervisor, was put on hold and then disconnected. I personally do not have any debts. Earlier in the day he called my son as well, who is XXXX yrs old and a XXXX  in college. 

The company is : XXXX ( XXXX XXXX XXXX ) in XXXX, FL XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( Office ) XXXX XXXX ( XXXX XXXX ) XXXX This was very abusive and both my son and I, completely unrelated to their matter, were subjected to abusive language. 

I asked XXXX for the address of his company and he told me not to get in his way and that I should learn the laws as he was not violating any and hung up. I was able to find the above on the internet which matched his number.