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

Hello. I rarely use international transfers, I used XXXX and XXXX XXXX without any problems. On XX/XX/21 I made a {$3600.00} transaction in XXXX to my son from my bank XXXX XXXX XXXX XXXX XXXX via XXXX XXXX. In XXXX, because of the covid protocol, there were restrictions in the work of the XXXX XXXX, then they did not have a sufficient amount (! ), then they said that there were some problems with the transaction. I called XXXX XXXX to confirm the transaction onXX/XX/21, but they just transferred the money back to me. Okay, I went to XXXX XXXX located at XXXX store in XXXX TX. There I was told that they did not have the entire amount (! ) And I had to go to the other store. I tried to convince them that I do not need money and I want to send the entire amount to XXXX again. I said that they shouldn't give me the money, they would just forward the transaction. But they refused and said that it looks like a scam!!! A few days later, about two weeks ago, in XXXX XXXX located in XXXX XXXX TX, I asked to resend money to my son again. The employee tried several times but without result. Then she returned the entire amount of {$3600.00} + sending fee to me and tried to do the whole process from the beginning. She didn't succeed ... She advised to try again in a few days. But I got the idea! I have an account in Venmo, but the custom service told me they do not make international transactions and advised PayPal. Oh PayPal! A huge company! They can help me! I opened an account, confirmed my identification and the identification of my bank. My son in XXXX did the same. XX/XX/21 I tried to make a transaction : {$3600.00}, {$1800.00}, {$360.00}, {$180.00} but only {$18.00} succeeded. I thought because I'm a new client, my account has restrictions or a limit. But PayPal custom service reported that my account is transparent/clear and does not have any restrictions or limitation. But they see that my transactions do not go through the XXXX XXXX XXXX. What is the reason for this they do not know and advise me to try it in 48 hours and my son should make a payment request. We did it. My son made a request and I waited 62 hours. As you already understood, I could not make a transaction today... This is money for my son for a wedding and this is the my first gift for this. This is a transaction from a legal person to a legal person, from a legal bank to a legal bank, from legal money received from legal work! My son and I do not have any criminal or financial problems and I hope this is some kind of mistake and can be easily fixed! 
Sorry for the long post, but I tried to make a complete picture. 
Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a public record showing on m report that is causing an identity mix max error on my credit report and it is being reported from ( XXXX XXXX XXXX XXXX I do not have an agreement with XXXX XXXX XXXX XXXX to report any of my private information to the credit bureau on my behalf. I called the us district court and they could not provide a case in my name for reference, called my local municipal court and they could not provide a case in my name to reference either while they are not members of the credit bureau nor do they report anything to the credit bureau all case information has to be paid for an you must be a party within the case to post case information publicly.

This information that is showing on my credit report needs to be DELETED '' from my consumer report as this is a direct violation of the fcra, and violation of the local rules for U.S. District Court
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Capital One 's credit reporting practices, which have negatively impacted my credit score. Below is a detailed summary of the issues I have experienced : Auto Loan Inquiry Misrepresentation ( XX/XX/XXXX ) On XX/XX/XXXX, I applied for an auto loan through Capital One. I was informed that this application would result in a soft inquiry on my credit report. However, I recently discoveredafter obtaining my credit reportthat this inquiry was reported as a hard inquiry. I immediately filed a dispute regarding this matter but have not received any response. Furthermore, when attempting to resolve the issue by phone, I was met with vague answers and unhelpful guidance. 
Credit Card Application Impact ( XX/XX/XXXX ) On XX/XX/XXXX, I applied for and was approved for a Capital One XXXX Credit Card with a {$300.00} credit limit. The approval process resulted in an unexpected and significant drop in my credit scoreover XXXX pointson the same day. To date, the credit card itself has not been added to my account. Based on my credit report, it appears that the hard inquiry associated with this application is the primary factor for the drastic score reduction. 
In both cases, I feel that Capital One has failed to provide transparency and accurate information regarding its impact on my credit profile. These practices have caused undue stress and harm to my financial standing. 

I kindly request the CFPBs assistance in investigating these matters to ensure that my credit report is corrected and that Capital One provides clearer communication and accountability moving forward. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

Urgent Assistance Needed Regarding Fraudulent Charge on Citi DoubleCash Credit Card Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a concerning matter regarding my Citi DoubleCash credit card account. 

On XX/XX/2023, I noticed a fraudulent charge of {$600.00} on my account attributed to a purchase from XXXX ( XXXX CA ). Immediately recognizing this as unauthorized, I promptly contacted your customer service team to report the issue and filed a fraud claim. 

Regrettably, despite my efforts, the initial claim was denied on the grounds that I had made a previous purchase from XXXX. However, I wish to emphasize that this particular charge of {$600.00} was not initiated by me. Despite reaching out to XXXX directly, they were unable to provide any information regarding the transaction and directed me back to Citi to address the matter. 

Following Citi 's guidance, I subsequently reopened the claim, this time categorizing it as a Canceled Service claim on XX/XX/XXXX. However, to my dismay, I recently received notification on XX/XX/XXXX that this claim has also been denied. The frustration mounts as both Citi and XXXX seem unable to provide clarity or resolution regarding this fraudulent charge. 

I find myself trapped in a cycle of communication between your institution and the merchant, without any meaningful progress toward resolution. Despite XXXX acknowledging the fraudulent nature of the charge, Citi has insisted on holding me accountable for the full amount. 

I implore your urgent assistance in thoroughly investigating this matter and facilitating a prompt resolution. It is evident that neither party involved has been able to substantiate the legitimacy of this charge, leaving me unfairly burdened with its consequences. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution. 

Warm regards, XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received robo call from XXXX stating my account had been hacked and I needed to do something about it. I got an operator on the phone and she told me the company name was Cash App. When I asked where they were located she hung up. Never heard of this company.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I have brith to my daughter vaginally, after I received a bill for a c-section I explained to the doctors office billing that I did not have this procedure she said it was the same cost. Additionally, I received a EOB from my insurance company XXXX that Im not responsible for this debt. This EOB was sent to the doctors office and creditor. The creditor still proceeded to send the bill to collections.
Product: Student loan

During the pandemic, my federal loans were transferred to XXXX. I made an account at that time and awaited the outcome of forgiveness. XXXX messaged me at the end of XX/XX/XXXX that they were moving my account to a new system, and I would have to yet make another account. I tried to do so in early XXXX ( as was suggested by the email ), and have not been able to make a new account. I tried again this morning ( XX/XX/XXXX ) but it seems my account is still in this transfer process. Thus, I can not see my balance or make a payment. 

I have tried to call and chat without success ( no agent available on both phone and chat ). I want to make a payment before interest resumes next week. They will be essentially forcing me to pay interest on a higher loan balance by preventing me from making a payment.
Product: Debt collection

This company just added several new collections which I do not have any new medical debt. This is unknown and no validation received and requested {$55.00} XXXX {$1000.00} XXXX {$980.00} XXXX {$1100.00} XXXX {$580.00} XXXX
Product: Vehicle loan or lease

The issue spans possibly multiple cases, but surely connects to XXXX XXXX and XXXX XXXX. 

I had my car messed with multiple times, stripped while it was classified as a fixable vehicle, was sold to an impound lot, repossessed from impound lot and told we could fix it. 

Caliber mechanical in XXXX OK said the car was stripped. 

The car was again classified as again totaled and this time the coverage of my insurance was to pay off the lease. 

Well, suddenly the institution is acting as if the lease does not have XXXX insurance. 

Every time weve reported this to the police, or start calling them someone drives off then they call from the below number and hang up even when answered. 

This number has only ever called me in the past if a payment was missed or was due. 

XXXX Now theyre calling after we feel sick, feel like were being followed and reporting it to the police, or we see someone posted outside of our house. 

Right after its reported again this agency calls me. 

Please help to correct as its harming my family altogether and my wife keeps feeling like shes being XXXX  like, maybe with something thats considered unnecessary suffering under international humanitarian law. 

Thank you.
Product: Debt collection

Ive notified this company of my XXXX and that Im classified as collection proof. Im still being contacted and the company continues to attempts collection on a 7 year old debt Im not liable for
Product: Credit reporting or other personal consumer reports

After I disputed and provided proof that the XXXX XXXX XXXX XXXX account should be removed from my credit report because it violate the Fair Credit Reporting Act, Experian is refusing to remove the account from my credit report and allowing the account to remain on my credit report. 
On XX/XX/year>, Experian completed the dispute and allowed the account to remain on my credit report. 

XXXX XXXX XXXX charged off the account in the original amount of {$14000.00} but has on my credit report that I owe {$15000.00}. By law, this violates the Fair Credit Reporting Act because the creditor generally can not continue to increase the debt on a charged-off account by adding interest or late fees, as once an account is charged off, the creditor typically stops accruing interest on the balance unless the debt was sold to a debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX co XXXX Open XX/XX/19 Amount XXXX
Product: Credit reporting or other personal consumer reports

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.SXXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by for the account XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX and XXXX XXXX XXXX for account opened XXXX XXXX, XXXX with account number xxxxxxxxxx, and XXXX XXXX XXXX for the account opened XXXX. XXXX, XXXX with account number xxxxxxxxxxxx, XXXX XXXX XXXX XXXX for the account opened Sep. XXXX, XXXX with account number XXXX and XXXX XXXX XXXX XXXX for account opened XX/XX/XXXX with account number XXXX. Failure to remove the accounts in XXXX  days from my consumer report as requested will result in legal matters being taken and me turning you ( EQUIFAX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open and active account with the XXXX XXXX XXXX XXXX XXXX and have had the account for XXXX years and XXXX months. The card is reporting to the bureaus that the account is closed when it is an open/active account. This improper reporting is affecting my credit age so it looks like I have just started receiving credit XXXX year ago instead of XXXX and a half years ago. I have reached out to the lender and made disputes with the credit bureaus and no one has made any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any knowledge of applying for a credit card with XXXX. Nor do I have a contract with the debt collector. I demand this inquiry be removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I responded to an offer from US Bank NA and processed a balance transfer with 0 % until XX/XX/XXXX. The First month payment was {$300.00} and I paid before the due date. Not too long after that I received a letter from US Bank saying that my account is going to be closed on XX/XX/XXXX and I should continue making my payments as usual. When I received the next statement my payment went up to {$690.00} with XXXX being the interest. I contacted US Bank and inquired why there is interest charge where my offer was no interest until XX/XX/XXXX ( and that was the reason I transfer my existing balance from XXXX to them and also paid balance transfer fee ). Today I spoke with the person who closed my account and she advised me that once they close a credit card they take away all promotions. I told her that non of that is in their disclosures and it seems to me they trapped me offering a promotion and getting my balances and closing my account charging 15 % APR. I asked her to reinstate the 0 % until XX/XX/XXXX according to their offer but she refused. The only reason I transfer the balance was because of the offer they sent me and US Bank must honor its Offer.
Product: Credit card

Hello, I requested a new card but never received it. Subsequently, I noticed unauthorized charges on my account. I called and reported the fraudulent activity, explaining that I had not received the card in the mail. After an investigation, the charges were denied. 

Despite continuing to seek a resolution, I was informed that I needed to submit a police report. I had already done this and provided the case number, but months passed, and the fraud claim was still denied. I asked why, pointing out that I could not have made the purchases without having the card in my possession. I was again instructed to send the police report, which I did. However, even after two more months, the fraud claim was still denied. 

I refuse to pay for charges I did not authorize. I am seeking assistance with this matter. 

Best regards,
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PHOENIX FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to PHOENIX FINANCIAL SERVICE XXXX I am requesting debt validation. I am requesting the purchase agreement between PHOENIX FINANCIAL SERVICE and the original creditor XXXX XXXX XXXX. I am requesting proof that PHOENIX FINANCIAL SERVICE Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report.

2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of PHOENIX FINANCIAL SERVICE communicating with me through email/text/calls. 

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

there have been an old inquiries on my Experian Report for over 2 years old that suppose to have been removed it's for XXXX card the removal day was suppose to be XX/XX/2018 the inquiry still on my report. 
I want it removed
Product: Credit reporting or other personal consumer reports

To date, I as the consumer, have consistently made complaints about the violation of my rights with the CRA and the companies that engage with them. XXXX, EQUIFAX, and XXXX each continue to report inaccuracies without care to my privacy or the FCRA. The FCRA is federal and overrides all company policy. Furthermore, I was never given option to opt out of their services. While they took the liberty to obtain and distribute information, they are to remain fair and unbiased. They failed in that. 15 USC 1681, specifically 604A ( 2 ) states that a CRA can not furnish a account without my written consent. To date, I have not been contacted nor provided such consent. 15 USC 1681, 602A states my right to privacy. That has been grossly mishandled. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit score back in XX/XX/XXXX and it turns out that I owe {$300.00} to an utility bill. I contacted the company and was told to email a dispute, which I did. I called back a month later, XX/XX/XXXX ( today ) and just wanted an update on my dispute. XXXX, the general manager answered the phone and the mood changed once I told him my maiden name ( XXXX ). 
I just wanted an update and relayed that it was code in as a dispute. I then asked if it doesnt do anything if I dispute an account and he answered with a sarcastic tone, its code in as a dispute but it will still stay in your credit score until you pay it off. Mind you, Im not familiar with how any of this works, a little more knowledge would have been appreciated. 
I added, well wouldnt it seem unfair to you that you call the utility company and tell them youre moving out of state and you pay a fee to close the account but nothing is mentioned about owing anything? He proceeded with a sarcastic tone, it seems fair to me because its for services Id use. ( Which I agree but my main is that I wasnt NOTIFYING I owed the money. ) Then I explained to him that I never received a notice and that I changed my address last month with them. Again, with a non-friendly tone of voice : We dont have a crystal ball to find out where you are, we send it to the best location possible. The utility company sent a letter once and we sent two notices to a XXXX XXXX XXXX Ive never lived in an address like that, and even when you pull my credit report ALL of my addresses come up, but not one XXXX XXXX is ever there. 
Is there anything else I can help you with? He said with a rude tone. 
Do you settle account? 
He sighed and hung up on me. 

I called back and I got a lady on the phone, I explained what happened on the previous call and she said I was speaking to XXXX, the GM, that theres no one higher I can speak to but him. 
I said, so the general manager is the one hanging up on people? She proceeded to transfer me to his voicemail because he wasnt available. 


Collection companies really do make it hard when all youre trying to do is mend your credit score. Id love to pay but I still see that its a bit unfair that I was never notified. If you check my score, thats the only account I owe and its in collections because I was never NOTIFIED. 

I wish I could pay the money to another company, not them. A company that isnt based in the south and whose attitude wont change after you provide your maiden last name - XXXX descent. Sounds sad, but true. 

Also to note, the utility company had all of my personal info, name, dob, Ssn, email, phone number. How come they never attempted a call? Neither did the collection company - not one call.