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

On XX/XX/year>, I sent money transfer of {$2000.00} through Taptap send to my sister for medical help in XXXX XXXX which was to be received the same day. I did not get any confirmation response from the company so I called to verify and I was told they were having some technical issues with their partner in XXXX and therefore will send an email confirmation after the transaction is complete and that I can not cancel until all transaction complete. I called my bank and informed them about it but was told they had already made the transfer and all I can do was to wait. On the XXXX of XX/XX/year>, both my sister and I received an email that the money was ready for pickup with the transaction PIN number. My sister visited her bank five time and was told there's no record of any transfer to her account from Taptap send. I called the company again and was told the case is under investigation for a refund since my sister accidentally gave me her old account number. Just can't understand why it should take that long to get my refund back and need your help
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 someone hacked my bank account ( city bank ) and subtracted all my savings ( XXXX ) after 4 months of bank investigation I got a letter where it says that the case is denied, I tried to dispute but I got another letter where it says the same, the case is denied. Could you please help me. I have proofs,
Product: Mortgage

Chase refuses to provide a closing date for a simple refi of existing loan held by Chase even after 100+ days. Chase has said there are no problems with my application, just they are very busy. Rate lock has expired.
Product: Debt collection

On XX/XX/year> I had went on to view my credit score and noticed I had a collection on my report- given I had never received anything that i owed money or had anything past due I had no idea what this was about. I XXXX the name listed and found a number to call. On XX/XX/year> around XXXX I called the collector- National Credit Systems . I learned then that the collection was from my previous landlord ( whom I had moved out of their location 11 months ago ). The agent claimed they stated they tried to collect from me, even though I had no information from them nor had I ever received anything. I asked the agent for information, such as what is the balance for but he could not give me any information he just said we do not have that information. He informed me that he showed a balance due of {$400.00} however of that {$400.00} owed they kept my {$350.00} deposit so I should only owe a total of {$50.00} not the {$400.00} that the collector put on my credit report. He state it was an oversight on their part. There was no additional information given to me nor would he provide any type of receipt/invoice/etc. He went on to state that they ( National Credit Systems ) attempted to contact me I stated I had never received anything in the mail nor a phone call from them- even though I had moved twice I had all of my mail forwarded to my location and had no issues receiving. He then stated that they had only attempted to email me and stated an email address for a prior employer who I had not been employed with for over 3 years now- XXXX XXXX XXXX XXXX XXXX XXXX XXXX was aware I was no longer employed with them as they received my employment information as well as the fact that i did not use that email address for communication with them. 

No attempts to collect or invoice me were ever made.
Product: Credit reporting, credit repair services, or other personal consumer reports

A week ago, I applied for a mortgage pre-approval at XXXXXXXX XXXX  which ran credit check using all 3 credit reporting agencies- TransUnion, XXXX and XXXX. Since then I have been getting an unsolicited calls from mortgage providers. Today, I got a call from XXXX XXXX and I was directed to speak with XXXX XXXX ( XXXX ). When I asked how did he get my contact details, he said TransUnion shared my contact details stating I might be interested in getting a mortgage. 

I told XXXX that I was just testing waters and not really interested buying a home in the next 6 month due to uncertain environment ( high inflation, rising rates ) we are in. He then said he would call once every month. When I said I would call him instead if I want to get a mortgage, he said he would call once every two months. He doesn't understand that I don't want to be called again. 

I never opted-in for my personal data to be sold and TransUnion ( and anyone else ) who is selling personal details without end user consent is committing egregious outright theft and breach of trust. 

Please instruct credit reporting agencies, specifically TransUnion, to stop selling users information ( contact, financial and what products users might be interested in ) without consent with third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

? = XXXX XXXX is QUESTIONABLE in its reporting I = XXXX XXXX is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! 
M = XXXX XXXX is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
U = XXXX XXXX is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported!

RISE TransUnion XXXX XXXX Account # : XXXX I U?

Account Type : Installment I U?

Account Type - Detail : Unsecured loan I U?

Bureau Code : Individual I U?

Account Status : Derogatory I U? 
Monthly Payment : I U? 
Date Opened : I U? 
Balance : I U? 
No. of Months ( terms ) : I U?

High Credit : I U?

Credit Limit : I U?

Past Due : I U?

Payment Status : I U?

Last Reported : I U?

Comments : I U?

Date Last Active : I U?

Date of Last Payment : I U?

Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this updated complaint due to a mistake with the original complaint I filed on XX/XX/XXXX, Case Number : XXXX because I wish to bring to your attention an error in the initial submission. 

Upon review, I realized that I mistakenly attributed the complaint to XXXX when it should have been directed towards Equifax. During my interaction with XXXX from Equifax, I received information from her and her supervisor, which forms the basis of this complaint. 

Furthermore, I would like to inform you that I attempted to delete or edit the original complaint but encountered difficulties in doing so. Therefore, I am submitting this message as a new complaint to ensure that the correct information is properly documented. 

I apologize for any confusion this may have caused and kindly request that the record be updated accordingly to reflect the correct entity, Equifax. 

On XX/XX/XXXX, I contacted Equifax and spoke with XXXX regarding 8 paid student loans listed on my Equifax credit report. These loans are marked as 60, 90 & 120 days past due for XXXX, XXXX and XX/XX/XXXX, totaling 24 late payments on my credit report, significantly impacting my credit score. During my conversation with XXXX, I inquired about when these late payments would be removed from my report. She initially informed me that they would fall off in XXXX, as XXXX reported them to the credit bureau in XXXX. However, upon speaking with a supervisor, I was informed that the late payments would actually be removed in XXXX, XXXX, and XX/XX/XXXX, which is 7 years from the original delinquency date. The supervisor also stated that despite the late payments being removed in XXXX, the actual loans will not be removed from my credit report until XXXX. This discrepancy arises because XXXX is reporting them as current, in good standing, and paid as agreed. As a single mother and school teacher, these derogatory marks on my credit report continue to significantly impact my ability to move forward financially. Despite missing only 3 payments in XXXX due to a divorce, these paid loans continue to affect my life and overall well-being. I am actively seeking resolution to this issue and appreciate any assistance you can provide.
Product: Vehicle loan or lease

Wells Fargo. How disappointing this is truly you had stated the only thing missing from my XXXX  claim was the police report. I have this in email. After speaking with XXXXXXXX XXXX this is found to be completely inaccurate. They also told you this. Now, the payoff is inaccurate, because you began to charge interest! Based on your poor information! That is posted here on the CFPB website! You will have remove all interest from this account in order for me to accurately settle this account. As you have been the ones who stated I only needed to provide the police report. I will need all documents from this vehicle as my basement has flooded and I have lost all records to this car! Your staff said they will file the gap. I have proof that my progressive agent filed this claim, I have filed this claim and I am not sure what is going on, but it is not due to my negligence. But accurate payoff is now not available based on the interest applied. XXXX XXXX  stated they spoke to Wells Fargo informing them of documents needed. They are sending documents to a home I no longer live at nor lived at when I purchased the car! I am not sure what the confusion is here, but again I can provide proof of the claim being filed on time in. They need a vehicle factory invoice, payoff quote, payment history, cancellation refund amounts, purchase agreements bill of sale, and the finance agreement. According to them this is ALL FAILURE ON YOUR END NOT MINE!
Product: Vehicle loan or lease

Thank you for reading this inquiry. I purchased the XXXX  XXXX XXXX in XXXX of 2020 and the XXXX vehicle was listed as roughly {$37000.00}. At that time, the salesperson at the dealership added {$10000.00} of warranties onto my note. I fought for months to get the warranties removed and finally, the cost of the vehicle s down to the original price of {$35000.00}. I traded in a XXXX XXXX XXXX and it was valued at {$8000.00} and I did not receive the full value of the trade. I received almost {$2000.00} less than the trade value. Lastly, upon check-in on the value of the XXXX XXXX, the vehicle is only worth {$18000.00}. Not the {$35000.00} owned on the vehicle. I was charged double of what the vehicle is worth and can not refinance to lower my monthly out of pocket because the vehicle is not worth {$35000.00}. I am feeling like I made a huge mistake by purchasing this vehicle from XXXX, and as a consumer, I did not think I would be this taken advantage of. I am asking for someone to look into this purchase and please find leniency, to reduce the cost of the car. I like my XXXX, but I can not afford to pay double of what the car is worth. 

Thank you XXXX XXXX XXXX Mileage : XXXX Miles VIN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received an email notification today regarding the following companies running mu credit, I have not applied for credit with anyone : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IDENTITY THEFT is defined as the illegal use of someones personal information ( such as a social security number ) especially to obtain money or credit. 
Please take note that this is a second request for items that do not belong on my consumer report. Note, according to 15 U.S.C. 1681 ( a ) ( 6 ) ( B ) ( III ) by federal law via request of the consumer, a description of the procedure used to determine the completeness of the information, including the business name and address of a furnisher contacted in connection with such information and the telephone number of the furnisher. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
You have not provided me with a copy of ANY hard copy documentation showing that you have verified these accounts. Under Section 61 ( 5 ) ( A ) ( I ) of the FCRA -- - you are required to Delete all information that can not be verified.

The law is very clear as to civil liability and the remedy available to me for neglect per section ( 617 ) if you fail to comply. I am a litigation consumer and fully intend to pursue litigation matters to enforce my rights under the FCRA. 

Respectfully submitted, XXXX XXXX XXXX
Product: Checking or savings account

I got my income return onto my chime card and they asked me to verify my identity which I did. I sent my income tax transcripts, my tax return for the deposit I got with chime, Valid government Id and my social security card and Birth Certificate. I sent everything numerous times and I still have all the emails. Every time I talk to a rep they tell me the same thing. When I ask to speak to a supervisor they Always say there is not one. All I want is my money I have a funeral to pay for and been unable to do so
Product: Mortgage

I sent a certified letter requesting a full accounting of my loan from conception XXXX XXXX to current date. I asked to know where my payments are posted all fees and other charges and why there is a additional {$10000.00} added to my loan with no breakdown and why on my statements am I being overcharged for escrow and property taxes? I need a full accounting to see what is really being applied and where. The last time my attorney asked they gave a partial accounting but I cant see where they got their numbers if its only a year or two. Also I need it to be legible and readable not in microscopic print when the printer is run out of ink. I have had several servicing companies so I am very concerned about miss management of my payments and late fees charged when I sent my payments certified every month but the servicing company holds the check for 10+ days before cashing. 

What I would like is a Legible readable accounting of my loan with all breakdowns of expenses, payments posted, taxes, insurance and other charges and why is there so much money being put into a unapplied funds column that just seems to disappear.
Product: Checking or savings account

I opened my Free Checking and savings account online on XX/XX/2020 under an offer to receive {$300.00} after completing the following steps : " Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account '' There was no place to enter a promotional code or any other indication that I would not receive the bonus as promised. 

I made the 10 debit card transactions and it has been 120 days since all requirements were met ( XX/XX/2020 ). The banks terms said I would receive the bonus within 120 days. I have contacted the bank and they did not respond either way about this bonus.
Product: Debt collection

I have been overseas playing XXXX XXXX in XXXX when I started noticing random accounts appearing on my credit. I am not sure how someone could've gotten a hold to my personal info but my credit has definitely been compromised. I have no knowledge of who exactly could have done this. On my credit it states that this account was opened in XX/XX/2012 but I didn't notice it till a couple years later due to the fact that I don't use my credit as much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a copy of the letter I sent to Transunion on XX/XX/2022 : XX/XX/2022 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Subject : Disputing Information in Credit Report. 
This item XXXX XXXXXXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item DPT EDXXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed This item XXXX XXXX XXXX inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX  XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item DPT EDXXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 

Please contact the nationwide credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX.
Product: Credit card

this complaint is in regards to my Capital One Quick Silver Card ending in XXXX. 
Capital one keeps flagging my account for fraud when i make my CC payments every week or every other week to avoid interest. And of course get my 1.5 % back. 
they placed my card on hold on XX/XX/XXXX. l called them and had a 3 way call with my bank to verify it was in fact my bank account. Mind you, it's the same Cap 1 card and same bank that i have been making payments on for over 2 years. 
They placed my account on hold again for the SAME exact reason this week on XX/XX/XXXX. 
Once again, its the same credit card and same bank account. They are refusing to unlock my account. I asked the fraud department to look at my history. let them know I had already verified my account. but they refused. I asked for a XXXX and was not allowed to speak to anyone else. Employee I spoke with was XXXX. Employee number XXXX. 
I believe this is a ploy to get me not to pay my account so frequently so I can accrue interest.
Product: Credit card

I am writing to formally dispute several aspects of my account management and request a thorough review of your billing practices. My XX/XX/year> statement indicated a minimum payment of {$640.00}, with {$300.00} exceeding my credit limit, a detail explicitly stated in my account summary. A return of {$390.00} was processed XXXX days after the statement closing date. Logically, this return should have reduced my minimum payment, yet it did not. This discrepancy constitutes misleading information and resulted in an unwarranted late payment fee of {$41.00}, which, although subsequently reversed, highlights a critical flaw in your billing system. I request a detailed explanation for this inconsistency. 

Furthermore, I demand a review of the justification for my significantly elevated interest rate. While I acknowledge and understand that interest rates fluctuate, the current rate exceeding 30 % on a balance of approximately {$13000.00} is exorbitant and, in my opinion, predatory, especially when compared to other lending institutions. For instance, my {$15000.00} loan with XXXX XXXX XXXX XXXX carries an interest rate of only 11 %. This stark contrast necessitates an investigation into the fairness and transparency of your interest rate calculations and application. I respectfully request a substantial reduction in my interest rate to align with industry standards and reflect the prevailing market conditions. 
Finally, I wish to express my dissatisfaction with the quality of customer service provided by your overseas representatives. Their inability to address my concerns regarding the minimum payment calculation and the justification for the high interest rate reflects a significant deficiency in training and understanding of your own billing procedures. Improved training and enhanced communication skills are urgently required to ensure that customers receive adequate support and accurate information.
Product: Credit reporting

On the XX/XX/XXXX, I received a copy of my credit report and found that a lot of the information contained in my credit report is not mine. This information includes the date of birth listed on the report, many Derogatory Trades, Trades, Collection Information, Address Information and Inquiries that are not mine. After reviewing my report and determining that most, if not all, of the information in question, has been added to my report by Equifax. I have been trying to work with Equifax since XX/XX/XXXX to try and get my credit report straightened out but, all I get from them is a generic letter that states that I need to provide more info. I have repeatedly provided the info that they request, and even more info than they request, and I still get no cooperation from Equifax. In XX/XX/XXXX, after getting no response from Equifax, I filled a complaint with the XXXX of XXXX and XXXX Georgia. After filling this complaint, I started receiving the generic " more info needed '' letter, but that is all I can get out of them.
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? 
For their convenience I have listed the alleged accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

i placed a order on XXXX/XXXX/XXXX i did not receive my items but shortly after placing order i was in the hospital. when i came home i noticed i had a bill from victoria secret i called and educated them i did n't recieve my order the rep on the phone told me she would place the order into dispute and then transfer me to a rep to replace my order.never told me that i needed to make payment just said that it would take 60days for dispute to be resolved. mean while i received my replacement order a few days later and i returned all items XXXX/XXXX/XXXX a few days after receiveing. then i was put back into the hospital and my husband made a payment due to a bill i received. i have called the company serveral time to figure out why i have a bill and was charged a late fee. one person said i was charged shipping so then they xfer me to shipping department. the shipping department says i was not charged shipping. from my math i was charged was charged XXXX interest XXXX for account XXXXXXXX late fee and XXXX that no one can tell me where that came from. for a total of XXXX in fees and XXXX that no one understands.t i should not have been charged because 1st order was not received and everything from my replacement order was returned.and never told i needed to make a payment due to the dispute was filed and shouldnt have been charged account XXXX because i dont have any items. my husband did make a payment that he should n't had but he was unaware of the issue. so i will be having my bank reverse that payment due to i should not have had a bill