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

I initiated the transaction on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX which is intended to send to HSBC XXXX XXXX, but it was accidentally sent out with the wrong swift code " XXXX ''. The problem was quickly identified, and the transaction was halted. The money is currently holding at XXXX XXXX HSBC USA for more than 30 days. I have provided an amendment to reroute the money back to HSBC XXXX, and it was also confirmed by HSBC USA, that the wrong transaction has been canceled The fund bank XXXX XXXX XXXX  XXXX XXXX has also sent several follow-ups and chasers to HSBC USA, but there haven't been any moves.
Product: Credit card or prepaid card

On XXXX XXXX 2017 I tried to buy and put money on a prepaid card from XXXX. The process was very misleading and kept switching screens asking for more information for the gift card. After I finished I got an email saying that I had been denied an XXXX XXXX credit card. I checked my XXXX XXXX account on XXXX XXXX and found a Hard inquiry for something I did n't even apply from XXXX/XXXX. 

I just wanted a pre-paid gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter dated XXXX XXXX, 2017 from XXXX XXXX stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite XXXX XXXX XXXX claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite XXXX XXXX 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the XXXX XXXX department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Made a payment XX/XX/2020 through their automated phone in a timely manner as I have perfect credit. 
Payment did not post to my account. Did not get notice that payment went through. No email, no text ( choice of communication method, no mail ). 
I have 2 different credit monitors that show all my payments are on time. 
As of today my credit score dropped over 100 points. I sent my credit reports showing payment credit history, and a explanation that I paid on time and was not notified my payment went through. XXXX has caused me hardship as I almost had a 800 credit score. Been on the phone all day trying to resolve and twice today I was disconnected. 
I opened this account In XXXX as it is a no interest credit card as I needed the funds as I was having XXXX medical. Why should I have to go through this at a time when we are in a State of Emergency with this Corona. From Excellent high credit to a negative score.
Product: Checking or savings account

My complaint is against Mountain America Credit Union. When I signed up for auto loan, credit card, and short term loan we ( me and wife ) were told that should I become XXXX XXXX XXXX XXXX XXXX the credit union would pay for my auto loan, credit card, and loan. Instead after having this insurance for almost a year, I was temporarily XXXX XXXX XXXX XXXX XXXX  reported late payments to credit bureau which dropped me and wife 's credit by a XXXX points. I went from XXXX credit to XXXX. 
XXXX keeps putting it off as a third party issue because they go through XXXX for insurance. But XXXX  was never mentioned during contractual agreement. XXXX has so much complaints for fraud it's ridiculous. I would like XXXX to reimburse me all my payments to this insurance policy that was false advertising. I would like my payments for the XXXX months made to auto loan, credit card, and short term loan reimbursed to me. And them to send me {$23000.00} for the lost of time And XXXX XXXX from the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

One day, I was checking my credit card to see the balance. When I checked my card was locked. I had to do Bank Ownership of my account because of some sort of when mishap. When asked why this happen. They gave me a hard time they were rude to me, and very unprofessional. This reoccurred 4 times of such freezes on my account. An account that the EDD says it does not exist at Bank of America of such deposits or any sort of adjustments. The Bank Rep from Texas, Arizona, California, North Carolina, and I believe 1 more state Florida took actions into course to settle such claims that were reimburse after a long battle of truth of the matter.
Product: Debt collection

I went to XXXX XXXX XXXX on XXXX XXXX in XXXX NY on XX/XX/year>2023. I was seen viaXX/XX/XXXX at the clinic. I was prescribed a medication that I ended up being allergic to. I called and asked them to send a new script to my pharmacy. They said they would really like to see me in person because the first visit was not live ( i was there, the doctor was not ). I refused and said i didn't want to pay for another visit. They wrote in my file that i would NOT be charged. The call was also recorded. Against my better judgement, i decided to go in since i would not be charged. They say me, wrote a new script and I was on my way. Then i get a bill in the mail for that visit. I called and they told me to ignore it. They missed the note and it would be fixed. Then I got another bill and called and they assured me this time, it would be fixed. Then i got sent to collections for {$44.00} to a collections agency called Phoenix Financial Services. I called them and explained the situation again. I told them i wanted to appeal the debt. They told me they would look into it and get back to me. They came back and said that they looked into it, no documentation of what they did, and the appeal was denied. I will not be paying this money as it is all about the principle. i have since heard that this collections agency has a lot of other complaints and lawsuits against them for doing this exact same thing to other people. I will also be submitting a complain to the Federal Trade Commission against XXXX. I will NEVER be doing business with them again. Please consider yourself warned.
Product: Vehicle loan or lease

Inaccurate credit report I demand off my credit report or Ill sue By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

This company is attempting to collect a debt that is a result of identity theft. This company previously responded to complaint XXXX by stating they have a duty to open a " reasonable '' investigation and that they have not been provided with anything to back up a claim of identity theft. 

To date this company has received : the official dispute from XXXX XXXX which, after XXXX did their own investigation promptly removed this item completely from my credit file. Still working with XXXX and XXXX to do the same ), a copy of the FTC affidavit of identity theft and a letter from my bank XXXX XXXX XXXX XXXX documenting the data breach they had which resulted in my identity theft. This company apparently considers " reasonable attempts '' at an internal investigation to mean not reading the initial dispute. The dispute states that XXXX Bank had a data breach which resulted in all of my personal information. Fox Collection Center has made it their position that because the services in question were opened using my driver 's license information that this debt must be valid. Obviously that logic is erroneous given that by definition identity theft is the theft of one 's identity which includes their personal identifying information - i.e. driver 's license. Note that the driver 's license in question is not even in the state the services were rendered.
Product: Debt collection

Dear XXXX XXXX XXXX and Equifax, I am writing to dispute the validity and collection of the alleged debt associated with the above-referenced account, as well as its reporting on my credit file. While I acknowledge that proof of the debt with XXXX XXXX XXXX has been provided, the circumstances surrounding this debt render its collection and reporting invalid under Washington State and federal consumer protection laws. 

Legal Basis for Dispute Washington State Law ( RCW 59.18.650 ( 4 ) ( b ) ) : During the COVID-19 pandemic, I received financial assistance from XXXX XXXX to cover the majority of the rent owed to XXXX XXXX XXXXXXXX . Under Washington State law, landlords who accepted such funds were required to waive any remaining balance. The transfer of this debt to XXXX XXXX XXXX disregards these protections and violates tenants ' rights under state law. 

Assignment of Debt : While XXXXXXXX XXXX XXXX may have sold the account to XXXX XXXX XXXX, I did not agree to any relationship or contract with XXXX XXXX XXXX. The attempted collection of interest and fees on this account raises further legal concerns. 

Federal Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ) : XXXX XXXX XXXX is prohibited from using deceptive or unfair collection practices. The continued reporting of this debt to credit bureaus without proper validation violates my rights under the FDCPA. Additionally, I have not been provided evidence of a clear transfer of this debt from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) : I am disputing the accuracy of this debt 's reporting to Equifax and other credit bureaus. As the debt arose under questionable circumstances during a protected period, its collection and reporting are not valid. 

Actions Demanded XXXX XXXX XXXX : Immediately cease all collection activities and remove this account from all credit bureaus. Provide written confirmation that this account has been closed and will no longer be pursued. 

Equifax : Remove this account from my credit report and confirm in writing that the deletion has been completed. 

Provide documentation from both XXXX XXXX XXXX and Equifax to demonstrate compliance with all applicable laws. Failure to comply will result in complaints filed with the Washington State Attorney General 's Office. 


Please respond to this dispute within 30 days of receipt as required under the FDCPA and FCRA. If the matter is not resolved to my satisfaction, I reserve the right to take further legal action.
Product: Debt collection

On or about XX/XX/year> and XX/XX/year> I was contacted by XXXX via email on behalf of XXXX XXXX, demanding {$480.00}. 

I promptly responded to both emails requesting written evidence of the existence of the alleged debt within XXXX business days. 

XXXX refused XXXX stating that the onus was upon me to prove that the debt doess * not * exist. 

To date, I have received no documentation from XXXX suggesting that I owe anything to their client.
Product: Credit reporting or other personal consumer reports

I was checking my credit and I notice some inquires I didn't recognize. They are as followed, Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent.
Product: Credit card or prepaid card

on XX/XX/2021 I called American Express serve because i could not log into my account They told me that it was suspended and blocked and did not tell me a reason. Before today I called ahead because I was cashing out my stock and it was XXXX. IT CAME FROM XXXX. They locked up my funds and that's a lot to lock up. I even called prior to ask the limits and they advised it would be okay. 
I just want them to either unsuspend it or send it back to XXXX so I may use a different bank man!! 
This XXXX  because I am sure they are going to find a way to take it
Product: Student loan

On XX/XX/2019 I faxed a form to fedloan servicing that they needed to fill out and mail back to me as soon as they received it. I confirmed they received it on XX/XX/XXXX. I have to have this original stamped form from fedloan servicing in my hands so I can mail that form and my employer verification form to Florida board of education by XX/XX/XXXX. If the Florida board of education does not receive these forms by XX/XX/XXXX I get kicked out of this program that is paying $ XXXX/year for 3 more years to my student loan ( {$12000.00} over 3 years ). As of XX/XX/XXXX I had not received the form from fedloan. I call them on XX/XX/XXXX and was informed they received my form on XX/XX/XXXX but someone misfiled it as a mortgage verification. The person I spoke to said the fastest turnaround time she can do is 3 days. I should have had the form yesterday. As of now I have had to call off work and make plans to fly to XXXX from XXXX tomorrow so I cam drive to XXXX PA and go to the fedloan servicing office and pick up the form in person and then drive back to XXXX and fly back to XXXX. Then on XX/XX/XXXX I will miss another day of work so I can drive to XXXX ( 3 hour drive each way ) to deliver the paperwork to the Florida department of education since they have to have paperwork in hand by XX/XX/XXXX. I am extremely unhappy that I am spending/losing money because the fedloan servicing   personnel misfiled something. {$12000.00} is a lot of money and I am the one that is suffering due to their incompetence.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have just received a correspondence from XXXX XXXX ( Director, Client Research ) of CitiBank that there was not an AAdvantage miles promotion offered with the opening of my CitiGold checking account. I have have had multiple communications with Citigold representatives, with screenshots for proof, that the AAdvantage miles promotion was attached to my account at the time of opening. 

The promotion attached to my account at the time of opening was XXXX and it was to receive XXXX AA miles.I have met the requirements outlined in the promotional offer with my account opening, which were 2 Bill Pays from the account as well as {$1000.00} in debit spending. I have been assured from CitiGold representatives in the past that I have met the requirements for the promotion that was attached to my account as well. 

I have done my research on this promotional offer and have found that Citi has refused to offer the promotion to multiple CitiGold customers. I feel that Citi is cheating its customers through its deceitful marketing practices by not honoring their end of the promotional agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED ON NUMEROUS ATTEMPTS TO RESOLVE THIS MATTER WITH TRANSUNION. TRANSUNION CONTINUES TO ACT IN NEGLIGENCE. THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND THEY WILL NOT REMOVE IT. I HAVE SENT OVER SEVERAL LETTERS ASKING THEM TO REMOVE THE ITEMS AND THEY STILL HAVE NOT RESPONDED. SO FAR THEY ARE STILL REPORTING A XXXX XXXX  and XXXX BANKRUPTCY AND AN AUTO LOAN AND SEVERAL FRAUDULENT INQUIRIES. I HAVE ALSO SENT OVER SEVERAL COPIES OF MY FTC REPORT EXPLAINING THE CIRCUMSTANCES AND THEY HAVE YET TO RESPOND.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with both Equifax and XXXX regarding 2 late payments on an account with XXXX XXXX. XXXX XXXX is reporting late payments in XX/XX/XXXX & XX/XX/XXXX. As you can see from my credit report I have had all on time payments. I am disputing these late payments as I have bank statements showing proof that I made my payments on time. I have contacted XXXX XXXX and attempted to speak to someone who was rude. I have also sent a letter to XXXX XXXX with copies of my bank statement showing that I made my payments on time. However, I received a letter back from XXXX XXXX stating that they verified it as correctly. I then disputed with Equifax and XXXX to once again have my request ignored, it came back verified. How can XXXX XXXX say I was late when I clearly made my payments on time? This is severely crippling my credit when this is not my fault. 
I have provided proof that the payments were made on time. Where is their proof that the payments were not made on time. It's not the responsibility of the consumer to prove the inaccuracy being reported, its the creditors responsibility to prove that it is inaccurate. I want XXXX XXXX to send bank transactions of my posted payments reflecting when my payment was made.
Product: Debt collection

I attended XXXX XXXX College inXX/XX/XXXX and the school did not provide the promises they made for job placement and graduating in 18 months. I withdrew from the college when they said they could not provide the credits necessary to complete studies in the promised 18 months. There were two attempts to secure employment with interviews that yielded 0 offers.
From day one to this day, i refute being responsible for these predatory loans that were written in fraudulent intent. They wanted to extend the loans beyond the 18 months that we were not agreeing to.
When this fraudulent action was finally discovered in XX/XX/XXXX-XX/XX/XXXX, i filed to get our loans discharged that were in default. Instead, ECMC decided to take drastic actions now and withheld {$9000.00} from my wife 's return in XX/XX/XXXX. I called to setup a rehabilitation repayment but they instead went ahead with wage garnishment of 15 %. I know this is all legal, but it is a hardship on our part but of course not according to their qualifications for hardships. Homeless, utility disconnections, etc.
They should have never been allowed to puchase the XXXX XXXX just to retain status to continue collecting on these pedatory loans. I 've read many former students in the same situation getting hard tactics to collect on these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint regarding the fact that Equifax, a company that uses my personal information without my direct permission and then allowed it to be compromised through their lax security measures, has now charged me a fee to take the step of protecting myself and freezing my own credit with their bureau. The fact that they are profiting off their own data breach is outrageous. 

I froze my credit on XXXX XXXX, XXXX and paid {$10.00} via credit card. I would like to receive a full reimbursement for the cost of this credit freeze.
Product: Money transfer, virtual currency, or money service

hey, i was using paypal to sell my product, my product was XXXX  templates, so after 2 months and half i got limited for reason i don't understand, from the message i got on the email on XX/XX/2021 says " You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited ", when i did search for templates as product i found it acceptable as digital products. 
even refunds was about 0.05 % .i did tried to contact them, but just the bot was responding back.