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

I'm an XXXX citizen having just retired from work in the USA. I'm currently on vacation in the US before I'll be returning back to live in XXXX. I wish to transfer my retirement savings back to my XXXX bank account using an International Foreign Currency broker ; XXXX XXXX XXXX XXXX. I've transferred funds on many occasions using XXXX XXXX XXXX XXXX without concern. The process requires me to lock in at a contract exchange rate and wire the funds through XXXX XXXX XXXX central bank account where they then deposit the funds in my XXXX bank account at the agreed XXXX dollar amount. 

On XX/XX/XXXX, I went to the Chase bank to request a wire transfer from my Chase account to my XXXX account using the services of XXXX XXXX XXXX XXXX. On this occasion, after completing and providing all the necessary requirements the bank confirmed that the wire transfer will proceed. Approximately 30 minutes after leaving the bank I received an email from the bank that the wire transfer would be cancelled. I rang the number on the email and returned back to the bank to resolve the issue. After much communication, the banks only reason for not processing the requested wire transfer is that the 'back office ' will not process the request due to 'security reasons '. 

I am at a complete loss as to what the security risk would be, and Chase bank will not provide any further reasoning. After communicating with XXXX XXXX XXXX XXXX they advised that there is no other method of securing the foreign currency exchange other than wire transfer. 

Your assistance in having this issue resolved would be greatly appreciated.
Product: Debt collection

On XX/XX/year> around XXXX, XXXX XXXX my wife and revealed to her the balance of my loans and what I owed past due. I submitted a complaint against XXXX and they did not take responsibility for their actions, they just pushed if off to Mohela, even though the events occurred while I was still a XXXX customer. 

I've never given them her information, nor have I given them any special permission to share any of my information. She is not a co-signer and this debt was accrued before we were even in a relationship. XXXX has been taken over by Mohela now, and now Mohela is calling my wife repeatedly. I found out my loans were transferred to Mohela because my wife got a call from them telling me my loans were past due and they asked for my SSN from her, which she gave them.
Product: Credit card

aint : Im under XXXX XXXX XXXX and need to set up auto transfer, Ive downloaded the app, activated my card and created a password. I can access the app but not the web page as required to set up auto transfer, Ive filed XXXX complaints but they cant provide a case number. I need total access to my funds, Ive tryed different web browsers etc and it says wrong password,
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit, Experian is reporting a late payment on XXXX for XXXX XXXX this is reporting inaccurate as I have never been late and am asking Experian to provide documentation. If this can not be provided please update to on-time
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank didd a hard credit pull on my account onXX/XX/XXXX, XX/XX/XXXX. I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA and they are not removing them after I have spoken to Chase rep XXXX XXXX credit bureau specialist on XX/XX/XXXXat the cooperate office who stated it would be resolved in 15 working days instead i am just accumulating more hard inquires. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit
Product: Mortgage

I have a XXXX XXXX backed mortgage being serviced by Mr. Cooper. I have been on a COVID FB for the last year while also going through a separation with my partner. I called the other day to inquire about the post COVID options since I am back working. I told them I can not afford the current payment but close to it ( XXXX dollars. ) They approved a trial plan at a hirer payment amount then I am currently paying ( not due to an escrow shortage, my escrow is up to date ) without terms included. I was advised on the phone they are doing term extensions to 40 years ... why to make us pay more interest and take advantage of the situation. How am I expected to accept an offer without terms and have no idea what my payment will be at the end.I do not want a 40 year mortgage. What am I agreeing to? If I decline it I will not be eligible for a streamline post COVID mod ... this does not seem fair and I feel like I am being back in a corner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/ about a reinvestigation I gave them 15 days to provide proof of The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with, The Valid documentation used to validate the dispute, Also, the procedures your company has in place to ensure each account is 100 % correct which they never provided anything. So XX/XX/XXXX  I sent a letter of all the violations they did to me. So I demand they delete and fix the accounts I told them to.
Product: Credit card or prepaid card

We are business owners, we bought AMEX Pre Paid Gift Cards and had been buying for a few years. 
This is from a batch we bought in XX/XX/XXXX, at least XXXX of the cards were used before being given out to employees or clients. 
One example is card # XXXX for {$100.00} was in our possession till the first week of XX/XX/XXXX, when a client tried to use it only had {$10.00} left and had a couple of transactions from XX/XX/XXXX in California, we are based in MA. 
There is no number to call AMEX XXXX department, we have to call the number on the back of the card and that takes us to call ctr in the XXXX and they don't understand that it is fraud and they go by the script, I have tried to talk to a XXXX but with no luck. 
We still have some cards from that batch and we are embarrassed to give it out.
Product: Student loan

not understanding the interest on the balance.. the amount is more than what I was told
Product: Credit reporting or other personal consumer reports

Remove listed reported accounts: 
Account Name
XXXX XXXX XXXX  
Account Number	
XXXX XXXX XXXX XXXX
Account Number XXXX  
Address XXXX XXXX XXXX XXXX XXXX, NV XXXX
Phone XXXX XXXX

Account Name XXXX XXXX XXXX XXXX
Account Number XXXX
Address XXXX XXXX XXXX XXXX, TX XXXX  Phone XXXX XXXX

Account Name XXXX XXXX XXXX  Account Number XXXX
Address XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX, TX XXXX  Phone XXXX XXXX

Account Name
XXXX  XXXX XXXX
Account Number XXXX
Address XXXX XXXX XXXX XXXX XXXX, MA XXXX  Phone XXXX XXXX

Account Name XXXX XXXX XXXX
Account Number XXXX
Address XXXX XXXX XXXX XXXX XXXX, MA XXXX  Phone XXXX XXXX

Account Name
XXXX XXXX XXXX
Account Number XXXX
Address XXXX XXXX XXXX XXXX XXXX, MN XXXX  Phone XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identify theft. Someone keeps opening accounts under my name. I made multiple disputes already with all XXXX credit bureaus, but someone keeps putting in their information into my accounts. And its already destroyed my almost perfect XXXX XXXX. And i just need help destroying all this fraudulent activity
Product: Money transfer, virtual currency, or money service

At the beginning of this year My account was locked citing that I needed to verify myself by uploading my government issued ID. I completed this action several times. Throughout this year And never got any updates from coinbase company. And my account remains locked to this day
Product: Credit reporting or other personal consumer reports

In violation of 15 U.S. Code 6802, it has become clear that XXXX has disclosed my nonpublic personal information to at least 3 non-affiliated parties EXPERIAN, XXXX, and XXXX. As defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ''. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6802 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information per 15 U.S. Code 6802, as required by law. I expressly OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 82 violations of my privacy regarding my accounts with XXXX since XXXX. 

Furthermore 15 U.S. Code 1681adefines ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. XXXX is willfully disclosing reports containing information solely as to transactions or experiences between XXXX and I to non-affiliated third parties. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out.

I have received no response after my express OPT OUT, and are still disclosing my nonpublic personal information to EXPERIAN, XXXX, and XXXX.
Product: Checking or savings account

Chime offers a feature called my XXXX. Depending on your direct deposit amount and how often you receive you direct deposit determines how much you qualify for. My full time job direct deposit is what qualifies me to have access to XXXX. I also sometime work for XXXX which is like a XXXX etc. Today I worked the entire day and then cashed out and my Chime account took all of my money and did not give me the option to request it back. I dont understand why it would take it to begin because the direct deposit is not my qualifying deposit for me to have access to XXXX. I dont receive my direct deposit until XXXX. Then to make matters worst after they took all my pay they would not let me request it back so needless to say this really inconvenienced me and my family. I am a single parent doing what I have to do to make ends meet and for them to take it and not allow me to request it back is a huge inconvenience. And to top it all off I have been a Chime customer for XXXX plus years but after todays experience I plan on closing my account. I called member service and that call was completely pointless and a waist of my time.
Product: Mortgage

On XX/XX/2021. I received a call from an Amerisave LO ( loan originator ). Informing me of my great chances of getting an approval refinancing my home. Yes, I was looking to refinance. He promised me the moon and beyond. I explained to him that I was rejected before by another institution, because my DTI was around 49 % to 50 %. I know that was my mistake. But I stated that we payed all our debts on XX/XX/XXXX and we lower our DTI to around 35 %. We payed over $ XXXX, so we can be in compliance and don't repeat the same mistake again. Imagine having DTI 35 % and LTV of 36 %. Plus a household income of {$3900.00} monthly. Of course that LO from Amerisave is going o promise me the moon. Even though having all that excellent info. Amerisave and all their LO have their unique internal policy of charging {$500.00} in advance on the first call. When he said that I won't have any problem at all getting my refinance done. So I accepted. Big mistake. Those LO salesmen, they don't care about you neither Amerisave. They just want their commission and stay on commission-based payroll. After one whole month without hearing from them, calling and emailing, they finally answered. Asking me " Im looking at your application now..In the income section its only showing {$1.00} monthly incomeIs this correct? " ... WHAT? ... that's not what I said, I said {$3700.00} and the paystubs proves it. So in other words somebody screw-up. After another month of pointing fingers. Now they telling me : because we stop working for furlough in Florida during the pandemic between XXXX. they can't continue the application. Under XXXX XXXX Guidance, there are exception to that, when the applicant is been working for at least 6 month and continue working by the time you apply. So what's the problem now? It's been a year since that furlough, making an average of {$3900.00}. But no, they just decided to throw away my application and keep the {$500.00} in advance. So what's the business here? living of commission or getting things done and get new customers? I spoke with many people in their Institution, but nobody cares. They just don't answer my emails anymore. But suddenly I received yesterday XX/XX/XXXX another email inviting me to apply again with them. Are they in some kind of medication or what? 
I want my {$500.00} now.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFBP, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds, I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but you've admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

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 reporting, credit repair services, or other personal consumer reports

THIS INQUIRY DOES NOT BELONG TO ME, I WOULD LIKE THIS TO BE REMOVED PLEASE. 

NAME : XXXX XXXX XXXX XXXX XXXX XXXX 
DATE : XX/XX/2019 2019
Product: Credit reporting

remove the fraud alert and statement from my credit profileXXXX XXXXSS # XXXX XXXX XXXX VA XXXXDOBXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX citi card which was expired in XXXX XXXX, XXXX sent me a letter indicated I had a bankruptcy or a bankruptcy or a charge-off on another Citi card and the card will not be issued, this is totally incorrect information, I never had a bankruptcy or other Citi card except XXXX citi card. In order to clarify, I called your citi customer service XXXX times and XXXX credit bureau : XXXX XXXX XXXX XXXX, spent hours and found out nothing wrong with my credit, I also faxed my credit report from the above three credit bureau to citi and received a letter informed me my account was closed, I called citi customer service and they were very rude and refused to check my credit. they also refused to refund my rewards and membership. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiries were not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

Theres an error in how XXXX, Experian and XXXX report information on my credit report. No debt valuation information is not properly investigated and nor is it being sent to creditors with full proper documentation. Disputes get updated an remain on report in the matter of hours. No proper investigation. Improper reporting. Now Experian, XXXX and XXXX wont let me dispute items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account showed up on my Transunion credit report that I have no knowledge of. They show I opened an account with XXXX XXXX XXXX XXXX , XXXX , OH XXXX, on XXXX XXXX, 2017 for {$3000.00}. I disputed the account with Transunion and they told me it was my account. I contacted XXXX XXXX and their fraud people said they would email a fraud packet to me but they would n't give me any information about the account that is supposedly mine. I have no idea where it was even opened. I have not received anything from XXXX XXXX and have reported the fraud to my local police dept. I suspect XXXX XXXX knows this is n't my account and they could have easily prevented this just by pulling my credit report. I have reported the fraud to the XXXX, NM police dept case # XXXX
Product: Vehicle loan or lease

In accordance with the fair credit reporting act. This creditor has violated my rights, under 15 U.S.C. 1681 section 602. States I have the right to privacy.

15 U.S.C. 1681 section 604a section 2.

It also states in consumer reporting agency Can not furnish an account without my written instructions.

Under 15 U.S.C. 1666b. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose. 

Please remove these late payments and update the account immediately, As you are in direct violation of the Fair Credit Reporting Act )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX ( this is the second account listed with this company ), XXXX  XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX ( there's two accounts listed with this company ) , has violated my rights.

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. 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.