23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

When I am sending money from Western Union using Mobile application, they are giving different/lower rate, while when I send money from Westernunion.com website. It shows different rate. 
I thought mobile app is only for purpose of making it easy as Western Union never mentioned about rate differential/reduction if we are transferring it via mobile app.
Product: Debt collection

I received a garnishment summons around the XX/XX/XXXX from ASSET ACCEPTANCE LLC   COURT FILE NUMBER XXXX XXXX Virginia Court. for {$860.00}. I called this company before my first payroll check was to be garnished on XX/XX/19. I was told I didn't owe that amount instead I was told I owed {$490.00} which I paid the full amount that day with debit card XX/XX/2019 Withdrawal Debit Card MIDLANDCREDITMANAGEMNT - XXXX CA DateXX/XX/19 XXXX XXXX XXXX XXXX {$490.00}. I asked how long it would take for them to send a release to the court so my check wouldn't be garnished and was told they didn't know. My usual take home pay isXXXX. On XX/XX/19 my payroll check was for the amount of {$930.00}, {$350.00} garnished. My next payroll check XX/XX/19 {$930.00}. So far {$700.00} mind you I paid this debt off on XX/XX/19. As of today XX/XX/19 my payroll department has not received a release from the court to stop garnishing my checks. My next payday is XX/XX/19 and if nothing is done they will garnish that check to. 
The wonderful people at MIDLANDCREDITMANAGEMNT told me I would be reimbursed for the amount taken out of my check after debt was paid. I don't belive they will reimburse me unless some type of legal action is taken against them.
Product: Credit reporting or other personal consumer reports

My account with Honda Finance was paid in full before the contract was finished. Honda Finance reassured me that this account will be removed off my credit.
Product: Mortgage

I have made calls after calls and can not find anyone to help me. I had a mortgage with US bank and in 2010 my house was foreclosed on. US bank was supposed to be helping me refinance my home. I do not know who to contact for the US Bank Independent Foreclosure payment. I was told I would have another check coming and I have not. I just would like to know how much the check is and when I will receive it No one seams to know how to help me. Can anyone look me up by my SSN and find out any kind of information for the payment?. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX
Product: Money transfer, virtual currency, or money service

I bought {$800.00} of XXXX through Paypal, hoping it would increase in value. It went below what I paid for it so I decided to sell. Paypal will not let me sell my XXXX. I have spent countless hours on line and on the phone with Paypal reps, and have been given a dozen different reasons why I am not able to sell my XXXX. I am not new to the world of XXXX and or online trading. Their online system conveniently hits dead end after dead end in the process of trying to sell the XXXX. And customer service says its all my fault. I call XXXX on that. In view of the many ongoing lawsuits against Paypal for this type of behavior, I believe its all a scam to steal my money. 
Their latest claim is that my cell phone they want me to use for account verification is in my wifes name, and that is not allowed. They want me to buy a new phone in my nameXXXX XXXX I was told by another rep that the cell phone has been authenticated by paypal and should work just fine. But agter 3 days of trying I still can not sell my XXXX, and paypal reps refuse to come up with a solution
Product: Credit reporting or other personal consumer reports

This is my second attempt to resolve this matter with this company I called the Experian specialist team for further verification on why is this account still remands on my credit file. XXXX number XXXX I spoke to XXXX CASE NUMBER XXXX and he told me XXXX verify this information and they should be held accountable for lying because I also asked the courts to verify using the same case number XXXX and someone else name was attached and saying they do not report to credit bureau so how is this information verify or is this company lying and refusing to do there job.
Product: Credit card

Received a numerous amount of debt from different credit card agencies including past due bills and collection notices for all kinds of credit cards. Card companies are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more included in photos requested. I have made a report with the " ReportFraudFTC.Gov '' and have provided the information as well including report number " XXXX '' to obtain help from the CFPB agency in the matter of having all these items removed from my credit report totaling roughly XXXX.
Product: Credit card or prepaid card

I am a long term customer of CitiCards ( XXXX  ) with a high level of " XXXX XXXX. '' I took advantage of a promotional offer of a {$20000.00} advance@ 6.99 % on XXXX, I ascertained that my monthly payments would be for new purchases first, since any unpaid balance would have a high interest rate. 

Subsequently I was offered another promotional offer for new purchases which would be held@ 1.99 % .which I accepted. It was not made clear to me that by accepting this offer, that my payments would then go to the cash advance instead of to new purchases. {$18000.00} in payments over the last several months went to the cash advance rate of 6.99 % instead of to new purchases. I now received a surprising interest charge of {$230.00}, based on accumulated new charges. 

This is clear case of bait and switch.
Product: Credit card or prepaid card

American Express XXXX XXXX I called American Express and explain I had fraud on my account and because I was not paying the account because of the fraud I was waiting for the police report. They close my 2 account and took me to court and list my account in the credit bureaus as a negatively charge off. This charge is all fraudulent, but they would not answer or return any of my calls. I was with this company since XX/XX/2001 never late had no problems always paid on time. I need these charges remove of account and restored my account to full balance. The contract signed states Im not to be held reliable for fraudulent charges. Please provided a clear explanation and evidence of your decision. This account became fraudulent when my spouse that worked for XXXX XXXX past the same day my father past. I could not cope by myself in XXXX, so I move to XXXX XXXX to be close to family for support. My house in XXXX  was broken into and the police contracted me to let me know of the situation a lot was stolen including my identity among things. DMV have informed me that there are 2 other individuals in XXXX XXXX  has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information all the can do is informed me of the issue. They however stated that the company can request a copy of the information and they will send it to them directly.
Product: Credit card

I got a merchandise that was supposed to be for zero interest payment for 5 years as told by the agent at the store and I have been making my payments expecting it to be less than XXXX XXXX. Then the homedepot credit card came and raised the interest to a point I am unable to afford. The credit card have been canceled a long time but they are still increasing fees each month
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX : {$11000.00} Address : XXXX XXXX XXXX XXXX, LA XXXX Phone : XXXX Complaint : The original creditor is XXXXXXXX XXXX  The original account was a voluntary repossession due to Covid-19 job loss. It was written off in XXXX. How can a collection agency buy this account 3 years later? It shows on my credit report as opened in XXXX. I have been trying to get this deleted from my credit report because it is against fcra regulations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to unacceptable customer service and unfair practices, that violate the Consumer Financial Protection Act. To be more specific Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) 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.
Product: Debt collection

Disputed on transunion grantor reported resolved..but yet its still show on there.XXXX and equitable both show still in collection
Product: Debt collection

I was contacted by Credit Systems International Inc a few weeks ago about a debt with XXXX  XXXX for {$77.00}. Not only did i tell the woman i spoke to i didnt recall the debt i told her it is against the law according to the Fair Debt Collection Practices Act to call about a debt without a dunning letter giving a person the opportunity to dispute the debt. Right there they are in violation for not sending me the letter before the call or after.She then told me not to tell her how to do her job sarcastically. I am aware of my rights its also illegal to put something on the credit report without the option to dispute as well! I received notification on my credit report from them about a collection for the amount of {$67.00} which is {$10.00} less than i was told on the phone. I had to block them for repeatedly calling me. Also they do not have a license to collect debt in georgia.ive attached proof that they are in violation to this complaint 3 photos. I demand that they cease all collection activities and remove this debt from my credit report immediately or i will be hiring legal representation to handle this matter!
Product: Credit card

Proven fraud on my credit report. I have no knowledge of this account. Original documents need to be requested to prove this debt is mine.
Product: Payday loan, title loan, or personal loan

On X/XX/2017, GE Capital Retail Bank, XXXX XXXX XXXX, XXXX NY XXXX, phone XXXX, frauded/scammed me during a loan process. I paid over XXXX in XXXX cards to them for fees, insurance, etc. At the end of the loan, they said for me to get the money, plus my fees back, I needed to pay over {$600.00} in taxes to IRS through them cause it was state to state loan, I refused, the loan was voided. They also sent me a check that bounced that caused my account to be frozen, costing me bank fees. The names of the officers from the bank, XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX CRED Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Prepaid card

I received a Cashapp card in the mail in XX/XX/year>. I had not applied for a card, nor do I have an account with them. I called Cashapp in XX/XX/year> and they said all I would have to do was to destroy the card and I would suffer no repercussions. Case # XXXX. I then received a 1099-k in the mail on Thursday XXXX. It was in my name, address and ss #. It was for the amount of {$7300.00}. I then called Cashapp who told me to file a complaint with IdentityTheft.gov and that they would file a complaint against the previous operator on the original call in XXXX. I spoke with XXXX, case # XXXX. He then refused to give me any information on the person who has stolen my identity and opened this account. Cashapp is not being helpful with this at all, and they are making me feel like the criminal. I put a freeze on my credit with all three credit bureaus and a fraud alert with all 3. I contacted the IRS and filled out a XXXX XXXX  for identity theft. Now I'm waiting for a response from anyone.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report and I saw that I had numerous accounts that where not mines and or opened fraudulent I contacted the credit bureaus and informed them that I did not open these accounts and was informed that my information was exposed in a data breach I then filed a report with the ftc.
Product: Payday loan, title loan, personal loan, or advance loan

I browser {$450.00} from solo loan On pay day I was to pay {$530.00} this was the loan, tips and fee. On last Wednesday I paid the loan back. The next the company said I didn't pay my loan. Each person I contacted though chat said they look into the following days something email my proofs my back statement showing this has be paid in full now want me on some time plan to pay this money .when I have done this already. Please help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I've sent a wire transfer from my account at Chase for the amount of {$1000.00} to my account abroad. Money has not been received by the receiving bank. 

Correspondence with the remitter bank ( Chase ) revealed that the destination bank is now in XXXX XXXX list, that's why Chase has blocked the full amount ( no refund ) on their designated account. Their wire services suggested filing for XXXX license to unblock funds. 

After filing the application for XXXX license, supplying them with necessary information about the transaction, I got the response that information about the blocking has not been sent to XXXX ( which should be done within 10 days from blocking per XXXX regulations ). 

Chase representative now claims that the transaction has been complete and that they don't don't see the relevant correspondence in the Bank XXXX XXXX system ( it is still there ).
Product: Credit reporting or other personal consumer reports

I sent a complaint to the credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been paying on my Chase credit card without fault since opening the account in XXXX. it has an APR of around 21 %, but was mostly at 19 or 20 %. I've called Chase regarding the amount ive been paying toward interest. every month, I pay the minimum amount or more ( currently {$210.00} ), and 65 % of the monthly payment ( currently around {$140.00} ) is going toward interest! not 21 %, which is the actual APR. 

currently, I have a balance of around {$7600.00}, and with a minimum payment of {$210.00}, my most recent statement says it would take 23 years to pay off this account, and I would end up paying a total of around {$20000.00}. 

when I speak with Chase card representatives, they do not seem to be able to explain this at all. 

if you plug these numbers into a debt repayment calculator, a {$7600.00} balance, paid at {$210.00} a month, with a 20 % APR, this shows an estimated payoff time of 53 months ( 4.5 years ), and with a total interest of {$3800.00}, so I would end up paying a total of around {$11000.00}, which is just under half the amount of what Chase says I would pay. 

I would like to be reimbursed for all of the years ( since XXXX ) that I have paid this astronomical apparently 65 % APR, for my account to set to {$0.00} balance, and a more fair 10 % APR instated. 

Interest per year I have paid to date : Total interest charged in XXXX {$0.00} Total interest charged in XXXX {$24.00} Total interest charged in XXXX {$0.00} Total interest charged in XXXX {$620.00} Total interest charged in XXXX {$590.00} Total interest charged in XXXX {$500.00} Total interest charged in XXXX {$1300.00} Total interest charged in XXXX {$680.00} Total interest charged through lifetime of account to date : {$3700.00} 45 % ( the 65 % APR I have been paying minus the 20 % APR that I signed up for ) of {$3700.00} is {$1700.00}. this is the approximate excess amount I have paid since XXXX. ( since the APR changed from 19 % to 21 % it would require further investigation to discover exact amount. )
Product: Checking or savings account

On XX/XX/2022 at around XXXXXXXX XXXX  I deposited {$300.00} into my Bank of America account and the funds were not credited nor was there a record of my funds, I filed a claim with them and they have no record of the deposit, I am requesting the XXXX XXXX to check the camera on around XXXX on XX/XX/2022. I deposited the cash with atm ID : XXXX I am also requesting the CFPB do an internal investigation on this bank and the deposits at the time and date stated.
Product: Debt collection

-Recently, I noticed a decline in my credit score because of a derogatory account from a collection company called PORTFOLIO Recovery Associates XXXX 
-After investigation, I found that Portfolio RA bought a false debt from XXXX bank without verifying the authenticity of that debt. 
- In order to extort me to pay this false debt, Portfolio ruined my good credit history by sending invalid claims to the major credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I reach out to the companies to ask them to remove inquiries because I never authorized the companies to run credit. According to the fcra, any information that is unauthorized, or verified must be removed immediately.
Product: Credit card or prepaid card

I was charged for a purchase that I did not make : on XX/XX/2018, a charge of {$420.00} was made through XXXX ( XXXX ) on my credit card. I did not purchase this item-this charge is fraudulent. 

I immediately disputed the charge, and closed the account : however, the merchant is stating that I did make the charge. The credit card ( Citibank ) has re-charged me the {$420.00}. I called Citibank to, again, dispute the charge today. I am not sure how to resolve this back and forth : I am willing to speak with anyone to clear up the details moving ahead, but I am being unfairly and incorrectly charged at the moment.