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

My daughter, XXXX, and her friend, XXXX, found a lady named XXXX XXXX ( not her real name we found out later ) who had a house listed for rent on XXXX. They wanted to rent the house that XXXX had listed at XXXX XXXX XXXX, XXXX, WA. My daughter and her friend sent an application to XXXX and she told them that they were approved. All they needed to do was deposit {$1200.00} into her daughters account, because apparently it was her daughter, XXXX, who normally handled the rental. XXXX gave them the information for the account. Here it is : Bank : Wells Fargo Daughters Name : XXXX XXXX Account # : XXXX XXXX & XXXX went to the Wells Fargo, XXXX, WA branch on XXXX and deposited {$1200.00} into the account on XX/XX/2018 at XXXX. Transaction # : XXXX. Later that same night, they stopped by my place to tell me about the place they thought they had just rented. I told them right away that I didnt like the whole situation and was worried it could be a scam. So, first thing the next morning, I started looking into all the information that XXXX & XXXX gave me and decided that they needed to call the police right away. XXXX called the police and found out that they were definitely scammed and was given a police report #. ( Report # XXXX XXXX Police Department ) XXXX informed her mother of what had happened and her mother got on the phone right away and spoke with the Wells Fargo branch manager on XXXX where XXXX and XXXX had deposited the money. She explained to the branch manager what had happened and gave her the police report #. The branch manager stated that the XXXX Police Department never does anything and informed XXXX mother that the money was still in the account and that she was going to put a freeze on the account. The branch manager called XXXX mother back that same day and told her that they would get their money back but she wasnt sure when, so she would call her daughter, XXXX, within a couple of days and let her know more. That was Friday, XX/XX/2018. XXXX called me very worried on XX/XX/XXXX because the branch manager hadnt called her back. I told her not to worry because it was XXXX XXXX and they were most likely closed. XXXX waited through Tuesday and still never got a call back. On Wednesday, XX/XX/XXXX, XXXX called the branch manager back, who apparently then called the fraud department, and XXXX from the fraud department called and talked with XXXX and told her that the account was never frozen and that the scammer had pulled the money out over the weekend and closed the account and that they wouldnt be helping her any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

On or about XXXX XXXX, 2017. I contacted Midland Credit Management , Inc. ( MCM ) to set up a payment plan. After the gentleman read me the disclosure, he then attempted to collect on the entire amount of the debt. I explained to him that I could only a particular amount per month until I 'm financially able to pay more. He said that my amount was not acceptable and that i needed to pay a higher amount. I again told him that I could not commit to the higher payment. He then ask me " What happened and why I have n't been paying my bill '' I told him that due to medical illnesses, I was not able to. He then asked me " What is wrong with you? ". I responded asking him, " what do you mean? Are you asking what 's wrong with me medically '' ; he said " Yes ''! I told him that it was personal and do not wish to disclose my medical information.
I feel that my HIPPA Rights have been violated! Aside of his curtness and lack of professionalism. I am certain that this call was recorded and should n't go unaddressed!
Product: Vehicle loan or lease

In XXXX my girlfriend had auto accident and needed to replace her totalled car and I was looking to purchase one myself so we went together to XXXX XXXX to possibly purchase our vehicles. 
XXXX found the exact same car she had and was already decided. I found a XXXX XXXX XXXXi XXXX used with only XXXX  miles and in mint condition which they priced XXXX $ and I was sold. I am a XXXX XXXX and was told they gave low interest loans to veterans at 2-4 % interest with documentation from the Veterans Affairs. Even after the down payment the vehicle was more than the listing and had supposed to have a veterans interest rate of 2.6 % at XXXX $ per month for 72 months. Having to wait to have car over weekend and papers drawn up and signed it went unnoticed until the end of year statement which read I owed XXXX on the car. 
I immediately called the dealer and Capital one auto and showed them and having paid on time the whole year wanted a correction on the contract to the 2.6 APR and capitol One refused to refinance the loan and said Find another lender. The XXXX XXXX XXXX  was at about XXXX. 
I began looking for other finance options and along came the new year it's now XXXX and the car is now ten years old with about XXXX miles and in mint condition but with a 26percent APR still. 
There are no auto finance companies that will refinance the vehicle if it's ten years old or more. Now I'm stuck with the loan and taking a major hit never making headway on the loan. 
Late summer XXXX the car began having engine and electric issues and had less than XXXX miles on it but broke down regularly stranding me several times. The engine warrant void at ten years and was unable to afford added warranty as the car was over ten yrs. The car eventually died and sat in the driveway with a blown turbo and computer chip and electrical shorts. At XXXX miles I refused to pay as could not repair or refinance or even sell. 
Capital one repossed the car a day before XXXX and sold it at auction for XXXX and said I owe an adjusted remaining amount of XXXX XXXX For a car that was unable to drive and costing me a fortune they would not fix or refinance or trade toward another vehicle. This vehicle is still showing on my credit report as in collection for XXXX as a negative and repo. There were no offers to settle the debt or attempt to reconcile. My credit and ability to purchase a vehicle are severely hampered and ties up my available credit limit. This is a nitemare even today and being on fixed income and XXXX  it set me back financially. I would like to see this addressed as I should have been protected by lemon laws and an incorrect loan agreement that had me pay over twice the cars value.
Product: Bank account or service

Bank of America keep charging me over extension fees on returned check that have been returned. I ask them to charge me " XXXX time '' the {$35.00} insufficient funds fee, I will gladly pay that amount for each return check, but not {$35.00} over and over again for XXXX check and then another {$35.00} for some extended fee they keep charging.
Product: Credit reporting or other personal consumer reports

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Experian and the representative told me that they are already deleted from my credit report but I still see them, it's adding unnecessary stress in my life.
Product: Money transfer, virtual currency, or money service

Quick Summary : Wire transfer funds ( approx {$2500.00} ) stuck in intermediary/correspondent bank account ( XXXX XXXX, XXXX XXXX XXXX ; Swift Code : XXXX ; account # XXXX ). Neither receiver or I have access to the funds. I need the funds to be refunded so that I can send them to the receiver 's beneficiary account which is based out of XXXX ( XXXX  XXXX XXXX  ).  Both XXXX XXXX ( intermediary account to which funds were sent ) and XXXX  XXXX XXXX XXXX ( account from which funds were taken ) have repeatedly directed me to one another, stating " they would have to be the ones to handle that. '' I have spoken to upwards of 12 different employees across both banks since XX/XX/19, yet no one has been able to provide me with the concrete steps of this process, or provide me with any concrete assistance. Details : Funds were transferred via Western Union on XXXX ( Tracking # : XXXX XXXX XXXX ) from my XXXX  XXXX account ( sender 's account from which funds were taken ) to the XXXX account ( the intermediary account of the receiver 's bank where funds were deposited ). The receiver 's beneficiary account is XXXX XXXX XXXX located in XXXX, and they are not able to initiate the transfer from XXXX ( correspondent 's account ) or reject it so that it is returned to me. At this point, funds are completely stuck in the correspondent bank account with XXXX. Companies Involved/Steps Taken : Western Union : funds transferred from sender to receiver 's intermediary account through Western Union wiring service ; they stated that they are unable to refund funds that have already been deposited XXXX XXXX  : Receiver 's intermediary account ; both wire transfer department and accounting department continue to direct me to XXXX  XXXX and say there is nothing they can do on their end XXXX  XXXX : Sender 's account ; both wire transfer department and accounting department continue to direct me to XXXX and say there is nothing they can do on their end. They have also refused to reach out to XXXX on my behalf or engage in a conference call, even though employees have done this before for me. XXXX XXXX XXXX : Receiver 's beneficiary account ; they stated that they have no access to the intermediary account with XXXX, so they can not initiate or reject the transfer
Product: Credit card

On XX/XX/XXXX I was looking to book a XXXX flight and while searching on their website, I saw a gold XXXX XXXX XXXX : {$500.00} rebate and XXXX miles with XXXX XXXXXXXX spend. I went ahead, applied, and booked the XXXX flight right after. 

Last week, I contacted customer service to inquire about the welcome offer and I was told I was not eligible. They said I was notified during the application process which I had not. There was no pop up nor any notification. Even on the terms and conditions it mentions that Im supposed to get notified but I wasnt.

Looking at travel blogs, many people have went through a similar experience - no notification during the application. Amex are scamming their customers! The gov must take action against this false advertising.

I am very upset, I feel I was scammed. I spoke for over an hour with XXXX on XX/XX/XXXX, one of the leaders, but he refused to escalate and re-open the case for back office. With that said, I was waiting to open a XXXX card in the future, depending on the welcome offer and would have never open one with no welcome offer. 

As a loyal customer, I believe Amex can do better for their loyal customers. If the welcome offer is very strict, perhaps It will make sense to have an entire page dedicated to the eligibility before sending an application, instead of a hidden pop up. 

Looking forward to hearing back.
Product: Debt collection

I was enrolled in paperless statements with Citibank. It is a secondary card and I 'm a pay in full customer who has never had a delinquency mark in 28 years on file. After utilizing this card, my work email was changed ( added my middle initial ) at my employers request which caused the electronic statements for Citibank to be returned. 

Subsequently after two full months and Citibank getting returned electronic mail, I was contacted to inform me my account was 30 days behind. I received a call on a Saturday for the first time and called back immediately. I was shocked but quickly realized why I would n't have paid the full balance which was because I never received the electronic statement. I was informed as a customer it is solely my responsibility to inform the financial institution of the change in email address. I was told that Citibank does not monitor return emails, and I asked if that was the same for mailed statements and was told yes. In the event this happens, their is no ability to utilize judgment to determine if based on the customer 's individual circumstances whether to correct the delinquency history. 

Additionally, I am concerned based on my good credit I was n't a priority to call while I was XXXX payment behind and before it impacted my credit history. 

I thanked the escalation representative I spoke to, let him know that I would voice my concern through this channel- unfortunate. 
Again, this is not a financial issue. I paid off the account immediately which I always do, but now I have a 30 day mark on my credit file based for the first time in 28 years.
Product: Credit reporting or other personal consumer reports

Experian refused to explain what process they used to verify debt that is being disputed. Refuses to removed unverified debt
Product: Credit card or prepaid card

I was approved for the card back in XXXX of 2021. The only open account I have, card wise. This is on purpose, I have been paying my debts down, and had my score up to what is considered good. I only applied for the card due to an emergency. It was advertised as a promotional 12 months interest free. No warnings were given that if you are late, they would check your credit, and thus decide to lower your credit limit which then impacts your credit score. The first time this happened was back in XXXX of 2021. My credit took a hit, this was also right around the time I was applying for a mortgage so I took another hit. They lowered my credit limit again in XX/XX/2021, XX/XX/2021, and XX/XX/ 2021. My credit score has been hit by a XXXX pts because of this card. I have made payments every month but XX/XX/ 2021 because I never received a statement. I had to grab the approval email to be able to sign up for the app in order to make payments going forward. I have made a payment every month from XX/XX/2021 up till now, and will keep doing so. On the app it always said minimum payment due was around XXXX $ which is what I paid each month except in XXXX when I paid XXXX $ because I'm in a place to pay more. I called the company as suggested to see about reversing my credit limit since it's killing my credit score. Again this is the only open card account I have so each month they check my credit score they end up lowering my credit limit due to lowering my limit the previous month impacted my credit score. It's a vicious cycle that needs to end. I spoke to a representative who made it very clear they can't do anything and there is no one I can talk to. She said all she can do is advise I speak to a credit counselor. I have been working aggressively on my credit score for the last four years, I know how it works. I just wasn't expecting a card with a promotion that can only be used at health facilities like a vet office, wouldn't attack me for missing one payment, and continuously lower my credit limit impacting my credit score they keep checking each month. Since they refuse to reverse what they have done with my limit, I'm not sure if I should take another hit and close the account or put it on a freeze. Neither options guarantee they will stop but they have already erased all my hard work over the last four years. I never got a letter advising me they are doing this, no voicemails, no emails. I only found out because I watch my credit score.
Product: Mortgage

I recently successfully completed a chapter XXXX bankruptcy plan. During my plan, my mortgage company was sold from XXXX XXXX M & T. Since my loan was purchased by M & T, I have had XXXX problem after another. While my bankruptcy was still active, I did n't receive anything other than what was basically a blank statement. Although I continued to make my mortgage payments to them directly, they never reflected my payment, balance, interest or escrow information on my monthly statements. Once my bankruptcy was completed, they dropped off an envelope on my doorstep and the only information on it was a handwritten name of M & T and a phone number. This was my first notice that there was a problem with my mortgage account. It took me two weeks to get a hold of them. When I talked to the asset manager I was told that she did n't see any payments missed on my account, it was probably a clerical error and she would have to request a complete payment history which would take 2 weeks. During this time, I applied to refinance my home. During the underwriting process, my loan was put on hold because M & T reported to the prospective loan company that I was XXXX payments behind. Again, it took me a week to reach someone at M & T. I was told they received the payment history and that I had n't missed any payments with them. Around XXXX, they advised they would have to send the dispute to the escalation department which would take an additional 2 weeks. Within a few days I received a letter from M & T stating that I would have a resolution on XXXX XXXX. On XXXX XXXX I called and they still had no resolution for me. I was told this day after day for several days until I requested it to be escalated to a supervisor. I was then given a firm resolution date of XXXX XXXX. It is now XXXX XXXX and I still do not yet have a resolution. It has been 3 months now since I have been trying to figure this out. I have received XXXX more " doorstep '' notices since the first XXXX with no actual information on them and no information from M & T stating why the status of my account is showing that we are behind. This has ruined my opportunity to refinance my home. I feel that it is a business tactic to either foreclose on my property or keep me from refinancing. It has been very, very difficult to get a hold of them and/or to wait for a return call which rarely comes. It has been more than a reasonable amount of time for them to complete their investigation and explain to me their position on the status of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove a fraudulent transaction from my bureau reports. 

I have submitted a police report and FTC affidavit to them. I filed a complaint with the Consumer Affairs Bureau of California ( DCA ). 

To make this more egregious, the loan isn't even legal in California. They were sued by CFPB and in a XXXX XXXX ruling to be illegal. 

I have only been able to speak to one individual at this organization who harassed me about Police detectives. The XXXX XXXX, CA Police department has registered the complaint. I have no say in their putting a detective on a fraud case from 2013 for an illegal loan scheme. My bank refunded payments removed from my account. 

This company states the loan
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my EQUIFAX credit report on XX/XX/year> and some things are incomplete, inaccurate accounts and according to the fair credit reporting act : ( Whenever a consumer reporting agency prepares a consumer reports reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates to ) according to Title 15 USC 1681 ( e ) ( b ). 

I have mailed certified mail # XXXX on XX/XX/year> it is now XX/XX/year> and have not received any response or any updates to my consumer report. Which is outside of the procedure applicable to this situation. 

I HAVE ALSO ATTACHED THE NOTARIZED AFFIDAVIT OF TRUTH AND ALL OTHER DOCUMENTS TO VERIFY THIS INFORMATION IS ERRONEOUS. THIS IS MY LAST ATTEMPT TO GET THIS CORRECTED BEFORE I PURSUE LITIGATION FOR VIOLATION OF MY FEDERALY PROTECTED RIGHTS. 

I ask that these listed accounts be investigated and REMOVED due to my knowledge of inaccuracy. 

To my understanding in accordance with the fair credit reporting act, the List of accounts below has violated my federaly protected consumer rights codified under Title 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX ERRONEOUS ACCOUNT /NOT MINE XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT / ACCOUNT WAS PAID ON TIME Also Inquiries XXXX XXXX XXXX XXXXXXXX ARE UNAUTHORIZED AND HAVE NO PERMISSIBLE PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see complaints : 1 ) XXXX XXXX ) XXXX Thirty-two days after I first reported an error on my credit report and provided extensive documentation supporting it, TransUnion has sent me a letter claiming my dispute/documentation is 'illegible ', so they are 'unable to process the request '.

I do not believe that any of the documentation I sent the consumer reporting agency was illegible, but I wanted to get a federal agency 's opinion.

Attachments : 1 ) TransUnion 's claim that the dispute was 'illegible ' ( apologies for the bad quality picture of the letter ). 

2 ) Letter disputing fraudulent information on my credit report ( sent to TransUnion by certified mail on XXXX XX/XX/2023 ). 

3 ) Letter disputing fraudulent information on my credit report ( sent to TransUnion by certified mail on XXXX XX/XX/2023 ). 

3 ) Letter disputing fraudulent information on my credit report ( sent by certified mail on XXXX XX/XX/2023 ). 

Proof of delivery/return receipts are included in each document.