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

For over 20 years I have been transfering money to XXXX XXXX for family emergencies ( death, hospitalizations, celebrations, etc ) by Western Union (WU ) with no problems, when all of a sudden a transfer on XX/XX/2018, for {$200.00} was declined and the amount refunded on XX/XX/2018. After many calls to customer service I did not get the any answer as to why! I filed a complaint with the MD Dept of Labor and Licensing ( DLLR ), who received a response from WU indicating that they made a business decision to cancel ( my funds transfer ) based on suspected consumer fraud. ( NOTE : THE MONEY SENT WAS MINE AND THE RECIPIENT WAS A NEPHEW I HAVE KNOWN SINCE HIS BIRTH! ) I appealed to WU and on XX/XX/2018, I was sent a questionnaire for reinstatement which also requested my financial information. I submitted all of the information. On XX/XX/2018, they acknowledged receipt of the information. Finally on XX/XX/XXXX, I have received a response upholding their previous decision to deny me access to their money transfer services. I requested an explanation and the reply was reason why consumer not authorized to use Western Union services can no be disclosed, it is private policy. Read all the fine print explaining services but only reasons they seem to list are based on fraud or criminal activity. The financials I sent to WU and verified by my banks and brokerage clearly prove that the money is lawfully obtained. Then when I sent their response to MD DLLR they indicated that since WU was relying on their policies they could not do anything further.

I AM BLOCKED FROM USING WESTERN UNION AND NO ONE GIVES ME A VALID REASON! I do find it interesting that after years as a GOLD CARD member, I have enough points that I no longer have to pay transfer fees, and NOW THEY DO NOT WANT MY BUSINESS!!
Product: Credit reporting

There is a legal item listed on my credit report that I paid and is listed as paid but I can not seem to get anyone to help me take care of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my report that I did not give written content to access my credit report. This is a violation of 15 usc 1681b, 15 usc 1692e, 15 usc 1692c, 15 usc 1692d and constitutes identity theft under 18 USC 1028. Remove all accounts from my credit report XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX  XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX  XXXX Banks and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Finance other than personal Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I initially authorized an ACH for services where such authorization was later revoked, and services canceled with a request for a refund. Due to experiencing severe illness and a death of an immediate family member that resulted in an extended travel away from my home and eventually in my own admission to emergency XXXX XXXX, I was rendered unable to keep track of the refund status. 

I notified XXXX of the situation after I was able to identify that the revoked ACH authorization and canceled services did not result in a refund despite the vendors acknowledgment of the revocation. XXXX explained because it was over 180 days, I needed to reach out to the bank USAA directly. 

Despite reaching out to USAA on the very same day that XXXX notified me it could not help with the confirmed unauthorized loss based on the same mitigating circumstances, USAA failed to observe the extenuating circumstances provided under 12 CFR 1005.6. USAA has stated that because the payment had been authorized it could not be reversed. This despite mitigating circumstances and significant evidence that services had not been rendered and acknowledged canceled. 

I still have significant difficulty corresponding and have been forced to write about the revoked authorization dispute at the risk off permanent nerve damages during my continued recovery. 

USAA requested no evidence initially and after requesting evidence, the bank took no further action on the dispute denial because the payment had initially been authorized despite protections under various statutes not limited to the XXXX. I notified USAA since the authorization had been timely revoked, the vendor was entitled to {$0.00} and as such an incorrect amount of {$160.00} has been accessed to my account.
Product: Credit card or prepaid card

On XX/XX/2019 I received an offer from Citi Bank credit Card offer to redeem XXXX point (as of XX/XX/2019).  Among the available option there were listed the following: gist cards, donate with points, shop with points, travel rewards.  When I pressed "gift cards"  I was transferred to different gift cards menu sorted out in alphabetical order.  When I chose XXXX retail store under letter XXXX I got a message that there were problems with the web site and should visit the site later.  When I visited the place many times since I always got the same message about problems.  When I called customer service on 08/15/2019 I was told that I am not eligible for gift cards which was now what the offer mailed to me said.
Product: Credit reporting or other personal consumer reports

Earlier in the year I got an email from the company that manages my apartment complex wed all be auto enrolled in Esusu a reporting entity which would report on our timely payment of rent. They sent instructions to opt out. 

I reached out three times. I was able to opt out the second call and ensured I had been removed from their system. 

Come XXXX their account came up on my report. I had been enrolled anyways and it impacted my credit both as a hard inquiry and my credit age.
Product: Debt collection

A company called XXXX XXXX has reported a dept to my Equifax account that I know nothing about. According to federal law we the people are entitled to a notice to dispute any item that a company says we owe. I received no such notice from XXXX XXXX of this XXXX XXXX XXXX XXXX either. 
As far as I am concerned Equifax and XXXX XXXX has violated my Constitutional right to due process meaning I should have received notice of this so called dept I do not owe. They have also, in the process, slandered me and defamed me to which their will be serious consequences if this is not rectified by Equifax for allowing such XXXX to be posted on my account without a shred of evidence.
Product: Credit card or prepaid card

I bought a travel package from XXXX on XX/XX/2020. On XX/XX/XXXX after I tried to contact the XXXX XXXX XXXX  ( with no avail ) because they did not send me the locations of the hotels that they promised, I contacted Citi Cards and via XXXX message ) to reserve the charges as I did not believe that this was a legit company. On their website it indicated " if the charge was still pending authorization, it will be credited back. That did not happen. The XXXX} was charged on my credit card. I opened a dispute with Citi Cards and sent them all necessary documents. Then on XX/XX/XXXX they send me a letter with attachments from the merchant, with the signed agreement ( which was never signed by me ( THEY FRAUDULENTLY SIGNED MY NAME ) and they sent a copy of a FRAUDULENT Drivers license all the information redacted including the picture of the drivers license with my name at the bottom ( handwritten, not signed ). I quickly responded to Citi Cards telling them that this is not my signature or a copy of my drivers license and sent them a copy of my drivers license for verification. I indicated to them that this is fraud and they need to do the right thing. Finally, after 3 months of back and forth with Citi Cards I received a letter from them today, basically saying that they will not reopen the case again and that the charges stand on my credit card. I contacted them by phone and was told to file a complaint with the Federal trade commission. Citi Cards did not do the right thing investigating this fraudulent charge and they don't want to deal with it. I have been a loyal customer of Citi Cards for 30 years. I have all documents to support my case if you would like to look at them. Thank you in advance for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX North Carolina XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit card or prepaid card

Lowes credit card opened in my name fraudulently. Reported to company, removed from credit report and is reporting again in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I received my order and someone else had bought the same item as a gift, so right away returned that item from my order, they would n't exchange or credit it and it was in perfect new condition, they said it was opened but it was NOT opened. I tried repeatedly to work with them but they kept the merchandise I returned ; and still would n't credit the account. I told them I would pay for only what I owe and they sent a bill that was n't up to date so I called them again after several prior attempts but they refused to work with me. Now after they ruined my credit I told them if they agree to take it off I will pay the amount that I owe but they still refused ... .not sure what else I am supposed to do. Its not right to expect me to pay for an item I do n't want and returned.
Product: Credit card

I applied for the Chase XXXX XXXX Card on XXXX XXXX, XXXX at the Chase branch on XXXX XXXX and XXXX XXXX in XXXX. I was interested in the card both because the benefits it offers and because there was a promotion to earn XXXX Chase XXXX Rewards points if certain spending requirements were met using the card within the first 3 months after account opening. I have a pristine and extensive credit history going back to XXXX. No missed payments, no late payments, no bankruptcies, no collections. Every payment on every obligation, including my mortgage, my student loans, and all of my credit cards ( including Chase cards ) has always been made in full and on time. My XXXX score is well over XXXX. Yet, Chase denied my application on the grounds that I had opened " too many credit cards in the last two years. '' I called and asked their representative to explain and she suggested that, because I had opened other credit cards ( at other banks ), Chase could not get a good sense of my utilization, but if I would like they could upgrade my existing Chase XXXX Preferred card to the Chase XXXX XXXX card ( which costs {$450.00} per year ). In other words, they would be happy to give me the Chase XXXX XXXX card and charge me the {$450.00} fee, but would not give the same opportunity as other customers to earn the bonus. Given my very long and perfect credit record, Chase clearly denied my application on pretense in order to avoid giving me the opportunity to earn the XXXX bonus points. Perhaps because I have an XXXX ( XXXX-sounding ) name or perhaps because I do business with other banks. If they were at all concerned about my credit utilization, they should not be willing to approve me for an upgrade of an existing card. As far as I am concerned, their denial of my application was based on discrimination specifically designed to deny me the opportunity to earn bonus points and not on any legitimate concern regarding my creditworthiness and should not be allowed to stand!
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - 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 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  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my purse and ran up s XXXX dollar and more on phones at XXXX in XXXX XXXX  I filed a dispute and still the collections are still on my report and also there's an address for XXXX XXXX that's not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604- A, SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting or other personal consumer reports

( 1 ) BANK AMERICAXXXX XXXX XXXXXXXX THIS ACCOUNT IS REPORTING AN INACCURRATE BALANCE AND REPORTING DATE .IT IS A CHARGE OFF. I ASKED FOR SIGNATURES AND DOCUMENTS FOR THE ORIGNAL CONTRACT. I NEVER RECEIVED ANY PROOF. IT COMES BACK VERIFIED EVERYTIME. 
( 2 ) XXXX XXXX XXXX. WITH THIS ACCOUNT I HAVE DISPUTED AND ASK FOR THE ORIGNAL CONTRACT AND THE METHOD OF VERIFICATION. MY INVESTIGATION COMES BACK VERIFIED WITH OUT ANY PROOF OF HOW IT WAS VERIFIED. 
( 3 ) XXXXXXXX XXXX  XXXX XXXX THIS ACCOUNT IS INACCURRATE AND IT WAS SOLD TO XXXX  XXXX XXXX IS A COLLECTION. BOTH OF THESE ACCOUNTS ARE REPORTING THE SAME DEBT. THE REPORTING IS INACCURRATE ON XXXX AND XXXX NOTHING MATCHES UP ON THE REPORTING. PLEASE DELETE ( 4 ) XXXX THIS ACCOUNT IS REPORTING INACCURRATE DATE OPEN. DATE OF LAST ACTIVITY ON XXXX AND XXXX EVERYTHING IS INACCURATE REPORTING NOTHING IS THE SAME. I ASK FOR THE METHOD OF VERIFICATION.I WAS NOT GRANTED ANY PROOF OF HOW THEY VERIFIED THE ACCOUNTS. ( 5 ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS A CHARGE. IT IS REPORTING INACCURATE DATE OF LAST ACTIVITY. DATE OPEN WITH XXXX AND XXXX NONE OF THE REPORTING IS THE SAME. I ASK FOR ORIGINAL DOCUMENTS AND PROOF OF HOW ITS VERIFIED, THEY NEVER SEND ANYTHING. IT COMES BACK VERIFIED. IF THESE COMPANIES CAN NOT PROVIDE ANY DOCUMENTS OR ANY PROOF. I WOULD LIKE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX Balance Owed : {$310.00}, XXXX XXXX Balance Owed : {$770.00}, XXXX XXXX XXXX Balance Owed : {$670.00}, XXXX XXXX Balance Owed : {$310.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX
Product: Mortgage

It is alleged that I was in default since XX/XX/2007, for a total default amount of {$11000.00}. This is not true because I made the following payments after XX/XX/2007 : XX/XX/XXXX- {$5400.00} ; XX/XX/XXXX- {$4100.00} [ Unapplied in suspense account ] ; XX/XX/XXXX- {$1300.00} [ Unapplied in suspense account ] ; XX/XX/XXXX- {$5400.00} ; XX/XX/XXXX- {$4100.00} [ Check was returned ] ; and XX/XX/XXXX- {$4100.00} [ Check was returned ]. 
There were two unapplied payments : {$4100.00} ( received on XX/XX/XXXX ) and {$1300.00} ( received on XX/XX/XXXX). The payment of {$4100.00} was sufficient to pay in full the then monthly payment of {$4100.00}. The excess payment of {$1300.00} should have been applied to any late charges due. In the alternative, the payments of {$4100.00} and {$1300.00} should have been added together to total {$5400.00} and applied to pay in full the amount of the previous monthly payment of {$5400.00}. In any case, neither payment was ever applied. 
I request the return of the {$5400.00}, plus interest, that is being kept in a suspense account. Because of the misapplication of my payments, my account was wrongfully alleged to be in default. If my payments, a total of {$16000.00}, had been applied towards the mortgage, no default could have been declared for failure to pay {$11000.00}, nor a foreclosure action filed for failure to pay that sum.
Product: Credit reporting

I have an account from XXXX Account number ending in XXXX in which they had issued me a XXXX ( see attached file ) and cancelled the debt. I am requesting to have the account removed from my Credit History and all Credit Reports or identified a s resolved and closed account so as not to adversely affect my Credit Score. 
I can be reach via e-mail at XXXXXXXXXXXX or called at XXXXBest regardsXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$270.00}, XXXX XXXX Balance : {$190.00}, XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00}
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.