23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I HAVE CONTACTED XXXX XXXX XXXX   SEVERAL TIME 'S AND EXPRESSED THAT I WAS A VICTIM OF ID THEFT AND I HAD FOLLOWED ALL THE GUIDE LINES SET FORWARD BY THE FCRA 623A, BUT MY VOICE AND LETTERS RING HOLLOW.THIS COMPANY IS VIOLATING ALL MY RIGHTS CONSUMER.
Product: Money transfer, virtual currency, or money service

I am writing regarding the transaction of {$10000.00} with the transaction ID XXXX, which was sent to my WISE account associated with the email XXXX on XXXX XX/XX/2022. This account was deactivated by WISE. This transaction was made by mistake to my WISE account by one of my clients. The amount of {$10000.00} must return to the sender 's account, but it never happened. We already have filed a complaint to the bank from where this transaction was made, it's been almost over a month this amount was never sent back to the sender 's account. As we were paid for our services, my client is not willing to repay our services because He didn't get the prior transaction amount back in his account. We need this matter to be fixed ASAP. Thank You
Product: Debt collection

I received notification in XX/XX/2021 that a new collections account was added to my report from Phoenix financial. I never got any calls or letters in the mail notifying me about this debt. Approximately 1 week ago, I received a call from someone who claimed to be calling about the debt of XXXX. I told him I had no knowledge of this debt. He began to give me specific information about it including the date of service, the provider, type of service and that it was due to a hospital stay. HE DID NOT CONFIRM MY IDENTITY before divulging this information. He never asked me to confirm my date of birth, or any other identifying information. I then asked him to send me a letter with the details and validate this debt. I never received a letter nor did he notify me of my right to dispute. this is a violation of texas finance code 202b stating that any debt collector has to notify you first and send you a written letter validating the debt upon request. Also you have to allow 30 days, allowing you to dispute any inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account # XXXX have violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

1. AMSHER COLLECTION SERV # XXXX is violating my consumer rights by reporting negatively on my credit report. 

XXXX. XXXX XXXX XXXX # XXXX This is a direct violation of my consumer rights!! They are debt collectors not licensed in the state of Florida to collect debt, I've asked accounts to be removed by both XXXX and XXXX XXXX XXXX both have failed to removed the erroneous accounts from my report. 

This is my last and final warning before legal action is taken and LAWSUIT will be filed for violating my rights. I'll also be reporting them to the FDCPA as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a money transfer to XXXX through the company named WorlldRemit, this transfer was intended to help a family member to get medical attention in XXXX, the transaction number is XXXX ( see attached screenshot ) and was charged to my credit card. By XX/XX/XXXX I have to cancel the transaction because the payment wasnt still deposited to the recipients account and I have to use another company to send the money since this was very urgent. As seen on the screenshot attached when one is placing the order it clearly says the money would be deposited the same day to the recipients account, misleading the customers who use the service thinking they are going to have a quick resolution of the service contracted. 
On XX/XX/XXXX when I requested the cancelation due to a failure of WorldRemit to deposit the money to my recipients account a customer service representative told me via chat that the refund will appear whiting the next 7 business days back to my credit card. 
On XXXX the XXXX I got in touch again via chat with a customer service representative from WorldRemit who told me that the refund was made already, but that he wasnt able to send me any proof to support that transaction, like a trace number, refund number or any receipt whatsoever, in order for me to contact my bank. 
Until today XX/XX/2021 the refund of the money hasnt been made yet, and yesterday XX/XX/XXXX, I spoke over the phone with an agent named XXXX and still she wasnt able to provide any support of this refund arguing that she did not have access to that information, and after insisting for a very long period of time over the phone she finally agreed to send the receipt, but for my surprise I got an E-mail from WorldRemit with the receipt of another WorldRemits client, who I do not have anything to do, on this receipt one can see all the personal and financial information of this customer. 
I question how come a customer service representative cant have access to a receipt or trace number belonging to the refund of my money, but she can have access to somebody elses account and spread this information to other customers, that is a clear violation of their same policies of the company and on the same receipt they state clearly the following WORLD REMIT DOES NOT DISCLOSE ANY NON-PUBLIC PERSONAL INFORMATION ABOUT OUR CUSTOMERS EXCEPT AS PERMITTED BY LAW statement that they are violating, which tells me WorldRemit doesnt provide any personal information protection to his clients. 
Today I spoke with a Worldremit supervisor whose name is XXXX, and still he hasnt been able to produce any proof of that apparently refund made to my credit card, I have contacted my bank several times and they confirmed that there is not any refund on its way to my credit card.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1200.00} XX/XX/XXXX XXXX Balance : {$1000.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

I've been disputing my Equifax for a year now with proof of ftc and police reports. They won't fix my credit score or take off derogatory accounts They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX   -XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries are not mine but XXXX XXXX XXXX and XXXX XXXX XXXX my XXXX truck payment they have 3 late payment 's when there are 0.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am writing this letter concerning the following XXXX Capital One accounts : XXXX, XXXX & XXXX. I, XXXX XXXX have the right to make sure my private information is not shared on the platforms of reporting agencies. This ruling is reiterated by 15 US Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One is a financial institution by definition under that title and I, Melrose McKenzie is the customer. 15 US Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the XXXX reporting agencies XXXX, XXXX and XXXX do not have my consent neither written nor verbal to furnish such information. I, XXXX XXXX now hereby revoke any and all consent to Capital One whether it be verbal, non-verbal, written, implied or otherwise to furnish my information to any reporting agency. 15 US Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX and XXXX are non-affiiliated parties of Capital One on which my information is shared. Capital One Never informed me of my right to exercise my non-disclosure option. Also, 15 US Code 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days. CAPITAL ONE FINANCIAL CORPORATION has never sent me such notice. Furthermore, 15 US Code 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The above listed accounts are adverse items which are being reported by Capital One without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of Capital One reporting my information to consumer agencies.
Product: Vehicle loan or lease

I noticed a 30 Day late on my credit report and immediately called and disputed this. I had updated my address with this creditor and hadnt received a statement, unaware that a payment was due. I then received a notice of returned mail. When I called and asked them why my address was not updated they had no answer. I preceded to pay the owed amount and let them know id like the 30 Day late removed, they informed me they would n't help. I then asked to speak to a supervisor they told me it was on a call back basis, I agreed. When three days went by I decided to call them. The same result occurred. 

I would like the 30 Day late removed given the circumstances. I have also never had a 30 Day late with this account.
Product: Mortgage

Wells Fargo keeps avoiding the issue. The most important aspect of deciding a Reverse Mortgage is understanding all that is involved in such an intricate complicated form of a home mortgage. They continue to produce everything other that the most crucial counseling documents such as, an approved Office of Elder Affairs Counselor, an opt in document, face to face counseling with an APPROVED Elder Affairs. The Counseling certificate that Wells Fargo has produced is not even valid in Massachusetts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I called Equifax to obtain the status of a dispute. The next morning, I received an email stating an Equifax XXXX XXXX XXXX from Equifax on XX/XX/2022 my address was updated the address on your Equifax credit report has changed. 

New address : XXXX XXXX XXXX, XXXX, GA XXXX Previous address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I never changed my address on the call from XX/XX/2022. I called three times Thursday morning XX/XX/2022 to correct the problem. The 1st time I was hung up on, the 2nd time I was transferred to the survey and the 3rd call I requested a supervisor the agent placed me on hold for 10 mins and never returned to the call. I would like to have my address as XXXX XXXX XXXX, XXXX IL XXXX. I have never lived or resided at XXXX XXXX XXXX, XXXX, GA XXXX, this incorrect information.
Product: Money transfer, virtual currency, or money service

I opened a venmo account under the id : XXXX back in XXXX ( XX/XX/XXXX ). After not using the account actively for 5 years, in XXXX I got my friend return my money I loaned her through venmo service. 2 days after that the customer service sent a note to me saying I have violated the service agreements and permanently closed my account without giving me any more reasons or details. This is bizarre and very unethical. I have asked them to reconsider my account situation or provide more details multiple times. I have not gotten any response from them at all.
Product: Credit card

I have automatic payments set up with PayPal Credit. My payments have been debited correctly in the past. The XX/XX/XXXX payment was set up to come out of my checking account, but instead PayPal Credit tried to debit it from my savings which did not have enough money in it. The payment was denied. When I received the email about this denial I immediately contacted PayPal and was told it was an error and the payment would be taken out of the correct account in a few days. The agent and I went over which account was listed as the default for the automatic payment. It was my checking account, which was viable. I kept checking my checking account to see if the payment had been debited. It wasnt and I once again contacted PayPal Credit who then recommended I just make a separate payment, which I did. Though my automatic payment is set up to be debited from my checking I cant seem to convince PayPal Credit that they are trying to debit the wrong account which is not listed as the default account which ends in XXXX. They have closed my account though I am never late with my payments except for this XXXX when they tried to access account XXXX. I tried to rectify the problem and despite conflicting information, did make the payment and an additional payment. Im fine with PayPal Credit arbitrarily closing my account with no explanation. I will no longer use their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi thank you for the opportunity to present the serious errors on my credit file and back and forth issues I am having with the credit bureaus. I have accounts that do not belong to me on my credit report. I also have accounts statuses listed as late on accounts that have always been current. I have even sent in letters from the companies to the bureaus to show proof and this is STILL not corrected. The power the bureaus have over the people is unconstitutional and not aligned with the consumer laws. In Title 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer the bureaus are to get full consent from me to do anything with my file. Here I am having to file complaints and court proceeding just to make them correct what needs to be corrected. The accounts XXXX  XXXX, XXXX  XXXX and XXXX do not belong on my credit report.
Product: Checking or savings account

So I was checking my Bank of America account and saw charges that I did not recognize. I called the bank and was told for a year and a half there was charges from XXXX on my account. Today is XX/XX/XXXX these charges started back in XX/XX/XXXX they issued me a credit for the amount then after the investigation I was told it was not fraud and that i was responsible for the money they credited me back. I did not Authorize the charges made on my XXXX account and do not no where they came from. I cancelled the card was issued a new card and they shut down my XXXX  account. Made a new password for my XXXX account and applied new cars to the account. There has not been a charge for 4 months since and they still tell me its not fraud. I called again to see if they could investigate the charges again and they said yes but are still charging me back on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found that someone had been applying for something in my name. I have already notified the credit bureaus regarding a fraud alert. These are the three inquiries that I located that are unverified and unauthorized : 1. XXXX  Date of Inquiry:XXXX 2. XXXX  Date of Inquiry : XXXX 3. XXXX  Date of Inquiry : XXXX
Product: Debt collection

I do not know of this debt nor this company. They have been contacting my multiple time through email. 15 U.S. Code 1629g.This collection agency bought whatever debt this is for a penny on a dollar. This company has no agreement from me. This company has no signature of mines. This is a formal complaint. Validations requested ; Original Contract with my signature that I actually signed for this debt. I want a payment history that I have done with this company. I want the name and the address, and proof that you own this debt ( Purchase Agreement ). 15U.S Code 1629C Cease & Desist. Also, this is in violation of 18 USC 894 " Con-Spire '' -Collection of extensions of credit by extortionate means- 18 U.S. Code 894 - Collection of extensions of credit by extortionate means U.S. Code Notes ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non repayment thereof was punished by extortionate means. ( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Transunion to remove 2 bankruptcies from my credit report that were filed but never discharged due to bad legal advice. As you can see from my credit history I was current on all my debt. This should not be on my credit under the Fair Credit Reporting Act. XXXX   investigated and removed it and I feel Transunion should too. When I tried to get my credit report today XX/XX/2018, Transunion refused to provide it unless I paid their {$19.00} a month ransom.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification. 
Account : XXXX  XXXX number XXXX  XXXX payment late year XXXX.
Product: Vehicle loan or lease

I've delivered tender to offset the debt obligation for the XXXX  XXXX XXXX full accord and satisfaction, they are unlawfully converting credits and breaching fiduciary duties. I'm the beneficial interest holder to the account and on numerous times I've express mail the check but it's not being applied. Please see attached
Product: Credit card or prepaid card

CITI closed my XXXX XXXX XXXX credit card without prior warning. The account was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair. I had six accounts closed by them this week and in every single case they informed me AFTER they closed them and not before. All six accounts were in good standing. I do n't want my accounts re-opened because I ca n't do business with an unreliable bank like Citi, but I want them to change their practice. No bank, especially those we all bailed out a few years ago, should be allowed to do this to consumers. We deserve to be treated better than this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a payment status of " 30 days late '' on a current, paid in full, closed account. Also reporting a 90 day late from 2018. This is a violation of fcra. 
XXXX & Equifax are also reporting outdated payment history on a paid in full closed account from 2018.
Product: Prepaid card

My father fell victim to a scammer who instructed him to purchase an Amex card for {$200.00} and send him images of the card. However I learned soon after about it and contacted XXXX alerting them of the fraud and they correctly locked and sent a replacement card. However in the interim time my father had car repair bills that he could not pay so I covered them and he gave me the card as compensation. When we called back about the hold they requested I email ownership documents to XXXX. Such as packaging images Photo ID and bank/utility statements. These were sent on XX/XX/XXXX I followed up in XXXX but they said it was still processing. On XX/XX/XXXX I called again and they said that I did not have a Case number so they gave me a case number ( XXXX ) and I resent ownership documents a second time. I followed up XX/XX/XXXX and they said they still did not have documents but I said I had sent them several times and confirmed the address. However in XXXX I remembered getting a mailbox full message which may have been related to their server as my email worked fine. So I sent again on XX/XX/XXXX. It has been more than 30 days AGAIN and the hold still shows on the card. I dont know what else to do other than to seek legal assistance. I feel as if I should have just let the scammer get it because Amex is just as criminal at this point.
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

purchased Amount : {$500.00}
Product: Debt collection

I have been repeatedly receiving text messages from southwest credit about a bill that I do not owe. The latest text I received was yesterday XX/XX/year>. The text says that I owe {$270.00} to XXXX and they will settle for XXXX payable by XX/XX/year>. I have never had an account with XXXX