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

Good Day, My name is XXXX XXXX, New Jersey, XXXX. 
I am complaing Xoom Money Transfer Company ( A XXXX COMPANY ), XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX, Phone : ( XXXX ) XXXX for delaying these 2 specific transactions # XXXX and # XXXX. 

Those 2 transactions were initiated on XX/XX/XXXX and XXXX XXXX and up to NOW its still on DELAYED STATUS, " VERIFYING RECIPIENT 'S INFORMATION '' While these 2 transactions status are DELAYED, the funds were already taken out of my XXXX XXXX a couple of days after they were intiated. And up to now, the money xoom took from my bank is not with my recipient nor with me for an extensivle long time and did i try to email them TWICE and no one will respond to my email to explain why this is taking so long and them holding my money from me and from my recipient. I have sent MULTIPLE MONEY TO THIS PERSON prior to these transactions and they all went thru very quickly With no delays and I even sent MULTIPLE MONEY to the same person AFTER THESE 2 DELAYED TRANSACTIONS and they even went thru first. 

I have tried contacting XXXX XXXX to ask if they know what happened to my money, XXXX said the money were extracted by xoom and XXXX cleared it so XXXX did complete their end and do not know what happens after that, but XXXX confirmed to me that XOOM SUCCESSFULLY EXTRACTED THE FUNDS. 

I ALSO contacted my recipient asking if xoom has contacted her to " VERIFY '' her account and xoom NEVER REACHOUT to her to and give her status nor updates nor nothing about the money. 

I am frustrated, its pandemic and xoom is holding my money from me with no representitive from xoom to explain what is going on. No phone calls, no response to emails NOTHING. MY MONEY IS WITH THEM, NOT WITH ME, NOT WITH MY RECIPIENT. 

Please CFPB, I really really really need your help. I am a nobody in the face of xoom so i need somebody ( CFPB ) yo help me get answers from them for why they are holding my money AND NOT RESPONSING TO OUR inquiries about delayed transactions that need confirmation OR verificiation out of the blue, even arfter MULTIPLE MONEY TRANSFERS TO THE SAME PERSON BEFORE AND AFTER THESE 2 DELAYED TRANSACTIONS.

Please Madame/Sir from CFPB, help me. 

And I thank you in advance CFPB.
Product: Credit card

Good morning, I am a member of an XXXX XXXX In 2019, we opened a Capital One XXXX credit card under my name to cover company expenses. 

Unfortunately, due to business disputes, I had to leave the company, and I am dealing with an unresponsive and unreliable business partner. As he did not honor the payments for the credit card, I personally began making the monthly payments, currently paying only the minimum amount, using my personal finances. 

Currently, I am in a difficult situation. I have no income, I am no longer employed by the company, and I was only able to collect unemployment benefits for XXXX months. Despite actively searching for a job, I have not had any luck so far. 

I have contacted the credit card company multiple times to request financial relief, such as freezing the interest on the current balance. However, I received a negative response. They informed me that because I could make payments, I was ineligible for financial relief. Their only offered option was to waive late payment fees for XXXX months if I am unable to make payments on time. Unfortunately, this option is not very helpful. 

Currently, I am making a minimum payment of {$80.00}, and they are charging me {$60.00} in interest, creating an endless cycle. Additionally, I start doubting interest rate is calculated fairly. But, they got away with it saying rates are variable. I want to honor my debt as it affects my credit score, but I need to be in a position to do so. Additionally, this debt was not incurred for personal expenses but for business expenses. 

I would greatly appreciate your advice on potential solutions to this situation. 

Thank you for taking the time to read through this. I look forward to hearing back from you. 

Kind regards,
Product: Checking or savings account

I have tried since XXXX to close my savings account and Arvest Bank keeps charging and refunding XXXX service fee without closing my account. I do not understand. IT is at a XXXX balance now, ask to close it and still have it open????? 

Then I wanted to close my checking account because of excessive over draft fees being charged, some I was responsible but some I was not, my direct deposits were being credited after there charges for the same day as my deposit went in. Finally, just wanted to close, got tired of fighting with them. 

I withdrew all of my money on XXXX leaving enough to cover insurance payment coming out. Withdrew XXXX leaving XXXX which would have taken me to zero balance. On XXXX the insurance payment came through, I assumed they would close my account. On XX/XX/XXXX a XXXX charge from XXXX came through. I was charged XXXX over draft fee on XX/XX/XXXX. I disputed this charge and was refunded XXXX????? bringing my balance down from XXXX to XXXX. I have repeatedly disputed this charge. First old I made it in XXXX XXXX, which I live and work in XXXX OK was not in XXXX nor did I go to XXXX, then I was told I used my card in a XXXX XXXX, no I did not. I was told to " prove it ''. I am not paying this. It has become ridiculous and frustrating. Every time I call I get a different person with a different answer or excuse if you will. Can anyone please assist me in this matter? I feel they need to be investigated for excessive over draft fees they charge as well as these unauthorized charges not made by the customer. I assure you through this ordeal I have learned of several others who have had similar and worse issues. THANK YOU IN ADVANCE for any assistance you can give. I just want to close my account.
Product: Credit card

This relates to my Amercian Express Delta Platinum Credit Card. I have been charged 2 late fees and a huge amount of interest when I paid on time. I always pay through XXXX XXXX, and I have never had a problem until recently. On my XX/XX/2023 statement, I was charged a {$29.00} late fee and {$220.00} in interest for an alleged late payment made in XXXX. This occurred again in XXXX and my XXXX bill shows a late charge of {$40.00} and {$170.00} in interest. After talking to 4 people in customer service, the last person I spoke to, a manager named XXXX, informed me that they would research it, but she did not even ask for the transaction detail I received from XXXX XXXX. I talked to XXXX on XX/XX/2023, and have not heard back from her or American Express to date. I also sent an e-mail to the American Express grievance department on XX/XX/2023, and did not receive a response. 

In the e-mail to American Express, I attached a transaction detail, which shows that XXXX XXXX transmitted the payment to American Express on XX/XX/2023, at XXXX XXXX The payment was due on XX/XX/XXXX. I attached a Proof of Payment from XXXX XXXX showing the payment was sent on XX/XX/2023 and processed on XX/XX/2023. I am not sure why American Express posted this payment a day late on XX/XX/2023. Clearly, this was an error on the part of American Express. Further, I attached a transaction detail, which shows the XXXX payment was transmitted to American Express by XXXX XXXX on XX/XX/2023, at XXXX XXXX Again, the payment was due on XX/XX/XXXX, and I provided the Proof of Payment from XXXX XXXX showing the payment was sent on XX/XX/2023 and processed on XX/XX/2023. 

Then to add insult to injury, and after paying my balance due on my XX/XX/2023 statement and XX/XX/2023 statement, BOTH OF WHICH WERE PAID IN FULL AND TIMELY, through the online payment system for American Express, I was still charged interest on my XXXX and XXXX bills. I called customer service and was told this was some type of continuing interest. 

At this point, American Express has improperly taken {$660.00} from me. It was {$780.00}, but one of the managers, XXXX, gave me a credit of {$110.00}. The customer service representatives can not do anything since they are bound by what is in their system. I even talked to the 2 managers, who also could not do anything, and had no leeway to refund my money, except XXXX did give me a credit of {$110.00} ( I am not even sure what this amount was based on ). There is no appeals procedure and no one to provide my evidence to at American Express. I googled how to contact the grievance department and sent an e-mail with my proof attached, as I stated above, I have not received a response. 

I pay my credit card bill off every month and never pay interest. I went on a big trip over the summer and have spent a huge amount of money on my XXXX American Express credit card and yet they will not assist me in any way. I spoke to a manager at XXXX Bank, and he told me that American Express is getting the payment and posting it late, then charging me a late fee and interest. I want my money refunded.
Product: Debt collection

Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account and I havent received anything from them and when I call I get a rude rep who isnt willing to help me resolve the issue. & I sent a letter to the company asking to verify that this account is mines. Its been more than 30 days I havent received any mail response. Just non stop phone calls.
Product: Money transfer, virtual currency, or money service

There were not appropriate disclosures on Zelle at the time it was first created. My bank advertised to me that this was a great service to use to transfer money to friends and family with the same financial institution. There were no safeguards to ensure who you were sending it to, or to verify the recipient
Product: Credit reporting or other personal consumer reports

Dear Experian I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. 
Upon reviewing my credit report, I have identified the following unauthorized inquiries : Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/year>. -- - XXXX XXXX XXXXXXXX XXXX/ Date of inquiry : XX/XX/year> -- - I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

US Bank force place Homeowners Insurance on our home 14 months ago saying it was due to a lapse in coverage. We supplied them proof of current coverage, and new coverage that we paid in advance. We faxed them the proof of coverage, we emailed them proof of coverage, we sent it to them certified mail. We called their insurance department and they verified that they received the information from us, but that they didn't know how to stop the charges on our mortgage statement. We received a letter in the mail stating that they received proof that our coverage has expired, which means that they have proof of our insurance policy. We renewed it last week. Only way they would know it expired is if they had the policy. 

XXXX is the number for the insurance department We've paid {$180.00} + for 12 months on top of our mortgage. {$2200.00} that we're owed that we can't have an intelligent conversation with anyone there. We would love to talk to someone but everyone says " we don't handle that ''. Insurance says they can't see what our payments are, Customer service shows that the additional amount is being paid but Insurance AND escrow need to approve the reduction, Escrow says it's Insurance that needs to ok, but they can't see what the actual amount is. 

They are stealing {$180.00} per month from my children and holding my credit hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first complaint dealt with Equifax requesting MY driver 's license to obtain a credit report for my deceased mother AFTER I sent to them her death certificate and Letter of Administrator which has my address on it. My complaint also dealt with Equifax not having knowledge of my driver 's license that I sent upon their request. I received MY credit report on XX/XX/XXXX - I never requested one for myself. I called Equifax immediately and spoke with a Supv'r who told me that my driver 's license was scanned but she could not read my address. I told her she could verify my address off the Equifax credit report that was sent to me without me requesting one. She refused. I received another credit report today ( XX/XX/XXXX ) for myself without request. I received TWO reports in my name I did not request and a report for my mother received today ( XX/XX/XXXX ) that was mailed ONE day ( XX/XX/XXXX ) BEFORE a telephone conversation with a Supv'r ( XX/XX/XXXX ) who stated " no report for my mother would be mailed out until they receive a copy of my driver 's license that they could scan and then read the address. '' Then, today in the mail I received an informational letter that they would release a report for my mother when i would send them a death certificate and a Letter of Administrator. The logic in this procedure is POOR because I sent them these two documents after the first request for my mother 's credit report as her executrix. 
My concern with respect with identity theft is that Equifax had a copy of my driver 's license that they could not locate and they stated they did not receive it but they had it because the Supv'r said she could not read the address. Then she requested a copy to be sent again and I refused because they misplaced the first one.
Product: Credit reporting or other personal consumer reports

Experian is constantly reporting an identity theft accounts from XXXX  XXXX and XXXX XXXX XXXX. I have disputed them as identity theft but they are constantly telling me that it is coming back as verified when I sental all the documented proof.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by. XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via debit card in the total amount of XXXX USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came into the XXXX dealership looking for a car after seeing their estimated monthly payments for XXXX car being XXXX $ I decided to look elsewhere before I left they tried to convince me to sign a paper for a credit pull to get the actual numbers I refused, but I see they pulled my credit anyways without my consent on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial has reported incorrectly on my credit I have been paying them every month an the only I was late was in XXXX due to hurricane Florence hitting us hard here in NC an I got it situated in XXXX when I call they speak very rudely to me. They are also reporting different information to all 3 credit bureaus Ive disputed the information a few times and they have failed to correct the information.
Product: Credit reporting

This is written in reference to Experian Credit Reporting Agency. I feel my federal rights have been violated in regards to Credit Reporting. I intend to file charges against this company. The lawsuit will be filed due to the utter lack of response from the company. When someone is a victim of wrong information being put on their file, it is simply a nightmare trying to get inaccurate/ misleading information removed from a credit file. I have contacted all of the creditors in question listed on my credit file. I have challenged all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit. Documents with my signature constituting obligations that is have entered into business with them etc. I asked for proof of the alleged debt from each creditor. So fsr none of them has been sble to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted XXXX contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rrights in this matter. Under the doctrine of estoppel by silence, XXXX v. XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt can be validated. Which leads me to wonder, hope is Experian stating accounts are " verified '' on my credit report. The letters I receive from Experian states accounts " verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to match up numbers in their database is not a sufficient verification. Now I am prepared to sue Experian for being such as pain in the posterior to me. I provided more than enough proof to havr accounts in question removed.
Product: Mortgage

I had a mortgage with from XXXX of XXXX to XXXX of XXXX and never missed a payment. I refinanced my Citizens Mortgage through XXXX in XXXX of XXXX to obtain a XXXX loan to completely renovate my home. My home is built. My current mortgage is with XXXX for {$410000.00}. My house is a single family ( XXXX ) in XXXX XXXX with an ocean view, XXXX car garage, and an additional parking spot. 
In late XXXX of XXXX, after I moved in, I started a refinancing process with Citizens to lower my monthly payment by close to or at {$600.00} because I would no longer need PMI insurance. I provided Citizens with every document it asked for ASAP ( XXXX for XXXX, XXXX, XXXX ) I signed to allow my income taxes to be released. 
I paid {$450.00} for an appraisial of my home which occurred on XXXX XXXX of XXXX. The apprasal came in ( {$590000.00} ) signifigantly under market value. I raised complaints about the my appraisal to the loan originator, XXXX XXXX of Citizens Bank XXXX XXXX XXXX, and she agreed it was way under value, would file an complaint, but the loan should be fine even though the appraisal was so artificially low. 
I was told we would close at the end of XXXX XXXX. We did not close then and was told we would close at the end of XXXX. All along, as is available via email, I was told the loan was going forward and we were all set. On XXXX XXXX, XXXX, I was told via email from XXXX XXXX we would close Monday XXXX XXXX, XXXX at XXXX at the XXXX XXXX XXXX XXXX. Then it was moved to XXXX XXXX. I was told over the phone by XXXX on XXXX XXXX around XXXX we were closing tomorrow XXXX XXXX. At XXXX XXXX XXXX I received an email from XXXX saying the loan was denied. XXXX also said in the email she had a sore throat and cold not talk. Reason stated was the amount of my summer job was {$1900.00} less on my XXXX than XXXX had told me it was safe to cancel my XXXX payment with XXXX which I did via telephone. I planned so financially. I have a XXXX child. My wife is not working. I now need to come up with additional money which I was told I would not need because my Citizens payment would be lower. 
I did everything asked, was told only positive things about my loan ( in other words all I ever heard via email, telephone was that it was moving forward ) and get an email the night I was supposed to close that it is not happening. After another week of vetting my financial sources, which I submitted back in early XXXX of XXXX, I was told by my loan officer i was denied on Friday XXXX XXXX, XXXX. 
No bank should be allowed to treat people in such a manner, especially when people 's financial future is held in the wings.
Product: Credit reporting or other personal consumer reports

The account is not mines, and I asked them to validate the debt and they couldnt. I am not liable for this debt they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of TransUnion inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...
Product: Prepaid card

Was gifted a {$400.00} American Express gift card. Activated and added to my XXXX XXXX  as per the instructions of the card. Tried to use it to pay for a service at a hotel and card was declined. Had the cashier manually input the number including expiry date as well as cvv and it was declined. Tried calling customer service but the phone tree doesn't allow you to speak with a human.
Product: Credit card

XXXX - I was issued a credit card by USBank ( co sponsored XXXX XXXX XXXX ). I received 3 % rebates on all insurance premiums as promised up until XX/XX/XXXX. 
XX/XX/XXXX - I purchased Medicare premium for {$520.00} and was denied a 3 % rebate. 
XX/XX/XXXX - I purchased 2 Medicare premiums for {$560.00} each and was denied the 3 % rebate as advertised. 
Reason for denial : The credit card employees said these purchases were assigned a Merchant Code of XXXX ( not XXXX ) and thus was ineligible for the rebate. They could not explain why Medicare premiums weren't " insurance premiums '' as they advertised as being eligible for 3 % rebate. They gave me conflicting information about who assigned the Merchant Codes. My research indicates that the codes are assigned by a consortium of credit card companies and it was US Bank who had the authority to address their accounting practices.