23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

Western Union refused to pay recipient of funds on multiple occasions. They retained my money for 6 months, and I have not been refunded. 

On numerous occasions I called or attempted to look up the transaction online. Every time I was informed that they could not find my tracking number ( XXXX ), and after escalating the situation, would be informed that the transaction was " on hold '' or " frozen ''. Each time the representative would inform me that they removed the " hold '' and the funds were available for pick up. And every time my receipient continued to be denied the funds. 

Last week I requested a refund. The representative agreed to issue a check for the funds as the debit card I used to fund the transaction was set to expire. I was told I would be contacted in 24-48 hours by Western Union to verify my address. I was never contacted. 

Since then I called Western Union 3 times : 1 ) First time learned that the representation last week had NOT cancelled the transaction, and that it was still on " hold '', but that they would release the transaction so that I could go online and cancel it myself. 
2 ) The second call I spoke to a supervisor who said that the transfer was arranged online so they could not refund me. When I explained that my debit card had expired, she said she would connect me with a different department, and the call dropped. 
3 ) During the third call a different representative told me that they could not issue a check for the refund as the transfer was originally arranged online. Instead, her supervisor would escalate the issue to their back office, which she referred to as the " trace desk department '' and would contact me within 24-48 hours. 

6 months, lots of time wasted, and no resolution about IF and WHEN I will ever be refunded. I have never encountered so many mistakes from a financial institution, especially on such a basic transaction. I would recommend wire transfers to anyone considering western union.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - XXXX day delinquency reporting XXXX XXXX  XXXX - XX/XX/XXXX
Product: Checking or savings account

I CALLED SIMPLE BANK ON TUESDAY XXXX  XXXX  AND SPOKE TO CUSTOMER SERVICE REGARDING NUMEROUS TRANSACTIONS IN VARYING AMOUNTS THAT ARE BEING WITHDRAWN FROM MY ACCOUNT ON A DAILY BASIS. I DO NOT KNOW WHY THIS COMPANY HAS WITHDRAWN FUNDS FROM MY CHECKING ACCOUNT FOR SEVERAL MONTHS ON A CONTINUOUS BASIS. I FOUND THEIR WEBSITE APPROXIMATELY 3 WEEKS AGO AND TRIED TO FIND A CONTACT NUMBER FOR THEM. THERE IS NO WAY OF REACHING THEM BY PHONE, HOWEVER, I CONTACTED THEIR CUSTOMER SERVICE VIA EMAIL AND DEMANDED THEY STOP TAKING MONEY FROM MY ACCOUNT AND THAT THEY RETURN THE MONEY ALREADY WITHDRAWN IMMEDIATELY. I HAVE NOT HEARD BACK FROM THEM AND THEY CONTINUE TO DEPLETE MY FUNDS REGULARLY. THEIR WEBSITE SAYS THEY HAVE TAKEN THE MONEY OUT AND PLACED IN A SAVINGS ACCOUNT SOMEWHERE AND THAT IT IS FDIC INSURED BUT I DON'T KNOW WHERE THE MONEY IS, I CAN NOT REACH THE COMPANY AND I WANT ALL {$370.00} BACK IN MY ACCOUNT IMMEDIATELY!!! I EXPRESSED TO THE SIMPLE REP LAST WEEK THAT I NEEDED THIS HANDLED IMMEDIATELY YET IT TOOK OVER TWO WEEKS TO HEAR BACK FROM SIMPLE 'S DISPUTE DEPT, THEY NEVER CALLED TO ASK ANY QUESTIONS OR ANYTHING AND THEN ON XX/XX/18 I RECEIVED A MESSAGE FROM THEM STATING NO ERROR OCCURRED AND THEY WERE DENYING MY DISPUTE. I WAS TOLD THEY COULD NOT STOP THE TRANSACTIONS BECAUSE THEY WERE OF " VARYING AMOUNTS ''???? THE FUNDS HAVE NOT BEEN CREDITED BACK TO MY ACCOUNT BY THE COMPANY EITHER, INSTEAD, MORE MONEY HAS BEEN WITHDRAWN UNTIL I HAVE ONLY {$1.00} IN MY ACCOUNT. I DEMAND A CREDIT IMMEDIATELY IN THE AMOUNT OF {$370.00} AND I WANT THESE WITHDRAWALS TO STOP PERMANENTLY. I HAVE HAD PROBLEMS WITH DISPUTES IN THE PAST AND I AM NOT WILLING TO WAIT MONTHS AND MONTHS LIKE BEFORE TO GET MY MONEY BACK. I AM ELDERLY AND LIVE ON A FIXED INCOME SO TIME IS OF THE ESSENCE. XXXX XXXX WEBSITE IS XXXX XXXX XXXX THIS WAS COPIED AND PASTED FROM THEIR WEBSITE : " Do I need a savings account? 
Nope. When you sign up for XXXX you get your own XXXX account which will hold any XXXX savings until withdrawn. Any funds held in your XXXX account are FDIC insured up to a balance of {$250000.00}. '' **This chart details expected arrival to your checking account when you create a XXXX withdrawal based on the day of the week and the time in which you created the transfer. ( If you bank with XXXX or XXXX XXXX, please refer to the second chart below ) *Please note, estimates are in PST, and may vary slightly based on when your bank distributes funds to your account. 
Transfer Created On Before XXXX PST Arrives After XXXX PST Arrives Monday Tuesday Morning Wednesday Morning Tuesday Wednesday Morning Thursday Morning Wednesday Thursday Morning Friday Morning Thursday Friday Morning Monday Morning Friday Monday Morning Tuesday Morning Saturday Tuesday Morning Tuesday Morning Sunday Tuesday Morning Tuesday Morning PLEASE HELP ME GET MY FUNDS BACK. THIS HAS BEEN AN EXTREME BURDEN ON ME, THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have a credit report that states addresses I lived in and a more then a few phone number that are not mine. A freeze on my account and I cant not get it to it due to someone else 's phone number on account do not match my info I need it fixs and to find out who it is so I can get back to normal. I would like you to find out who it is and take any action. Thank you for you time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX colo XXXX number XXXX XXXX or XXXX thank you
Product: Consumer Loan

Lender asked me send a process fee for a {$5000.00} loan. 
I spent over {$800.00} for an emergency loan, they kept asking for more money from me. 
I tried calling and texting them back, but no answer or reply by text.
Product: Debt collection

Dear XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( XXXX ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting 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 XXXX XXXX XXXX. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I previously disputed reports of accounts with Equifax, which they claimed to have verified on XX/XX/year>. However, I believe that the verification process was not conducted properly. My dispute was not thoroughly investigated, as required by law. 

Actions taken by me : XXXX. I filed a dispute on XX/XX/year> with Equifax regarding XXXX accounts to be late payments as reporting on my credit file. I believe this is a clerical error on either Equifax end or the creditors end. I was expecting a proper investigation and demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating Equifax immediate actions to rectify the said 8 accounts. 


Actions taken by Equifax : XXXX. Equifax responded that the accounts were verified but did not provide adequate details or demonstrate proper review. Refused to mail me proof of all late payments received the furnisher 's response.
Product: Mortgage

HELOC with XXXX was transferred to Specialized Loan Servicng of XXXX XXXX Colorado. HELOC was paid off on XX/XX/XXXX. Specialized Loan agrees that it wa satisfied. XXXX County Wa records office is still showing the debt on the county record. It is file number XXXX. Amount is {$69000.00} recorded on XX/XX/XXXX. XXXX has gone out of business. Since Specialized Loan agrees that the HELOC was paid off, I do not understand why they do not notify XXXX County Wa. Although they say they already did this. XXXX XXXX XXXX XXXX XXXX Wa is the property address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I paid my bill on the due date, XX/XX/XXXX at XXXX pm on the due date- but Capitol One didnt post the payment until XX/XX/XXXX causing me to be charged a late fee of {$40.00}. 
I have asked to have the late fee removed but their computers wont allow that to happen.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highli
ghted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
Account number : XXXX
Product: Vehicle loan or lease

The dealership falsified information on the credit application to get it approved by the finance company. I did not provide this information to them. Nor did I complete my own credit application. After reviewing a copy of the credit application that was submitted, I notified them that the information was not correct & they refused to change it and resubmit the application. I also notified the finance company that the information was falsely entered, and they also did not do anything to verify that the information was true and correct,, even after I told them that it was falsely submitted by the dealership. This is my first attempt of filing a consumer complaint.
Product: Debt collection

Midland Credit Management , Inc. is sending my client, XXXX, letters stating she owes money on a credit card debt she never had. They need to stop sending her false information or prove that the debt is valid, which we do not believe that is.
Product: Student loan

In 2007 I heard about the Public Service Loan Forgiveness Program. I called my loan servicer and made sure I was on track to be a part of this. The promise was that after 120 on time payments, the remainder of my loans would be forgiven. I was working in qualifying XXXX and my income was well within the parameters given to me. Last year I knew the 10 years was getting close so I started looking into the application needed to get the loans forgiven. Through this process my loan was sold to fedloan and they tell me that I have not made any qualifying payments. I called a couple of times and was told that there is a review process that takes up to 3 months to determine if my previous loans with XXXX XXXX count. They also told me that in the meantime, if I wanted to get on a qualifying payment program with then I would have to pay an extra {$100.00} a month. The way they made it sound was that the XXXX XXXX people misinformed me about the type of repayment plan I was on and that I would have to take it up with them. They do not exist anymore! I asked who would be able to look and my situation and make a rational decision. I was told nobody could, that there was no appeal process and that the policy guidelines are black and white. I have worked over ten years in XXXX XXXX XXXX, have always made my payments and just this last month my loan was sold to an external organization that says I have not made any qualifying payments and that if I started I would have to pay an extra {$100.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

A prepaid card was opened in my name, and my identity was stolen, XXXX XXXX open a prepaid credit card account when I was in prison, I DID NOT OPEN THIS CARD ACCOUNT. I had a active credit freeze in place at time this account was opened in my name. I have filed a police report and filed Numerus disputes with experian, with no results. XXXX has removed this item from my report. XXXX Equafax & XXXX XXXX HAS REFUSED TO REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting 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.

DEPT OF ED # XXXX XXXX ; XXXXXX/XX/XXXX XXXX These accounts have violated my rights. 

15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy.

15 U.S.C. 1681b section 604 ( a ) ( 2 ) states : a consumer reporting agency can not furnish an 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 of 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.
Product: Credit reporting or other personal consumer reports

I contacted Equifax to ask for the following item to be investigated. XXXX XXXX XXXX XXXX XXXX - I advised them that the collection is reporting inaccurately. - I do not know what this is. Please investigate and remove from my report. It has been over 60 day and I have not recieved any communication and by law they should remove but they havent.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of erroneous accounts from my credit report. Can you verify the documents? Some of the accounts listed are inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Product: Debt collection

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company NCA, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. I have attempted to dispute this charge in XXXX and XXXX and no action has been taken.
Product: Debt collection

Updated information. In regards to Discovers responses and continued attempts to hinder my ability to validated my obligation to an alleged debt. I would first like to say thanks for the correspondence that was sent to me, unfortunately a billing statement is just that a statement and not proof of my obligation to an alleged debt. Secondly Discover has expressed in numerous responses that they have validated my obligation to the alleged debt. A debt collector those not have the authority or power to validate a consumers obligation to an alleged debt pursuant to 15 USC 1692g, only I the consumer or a judgement from a court can validate my obligation to an alleged debt pursuant to 15 USC 1692g ( b ). There are 5 points that congress clear states must be provided to a consumer by a debt collector so that the consumer can adequately validate their obligation to an alleged debt, pursuant to 15 USC 1692g. Discover has not fulfilled their obligation to provide the proper information required for me to validate my obligation to the alleged debt. This after numerous attempts by me both by US mail and through the CFPB clearly expressing what is required pursuant to the FDCPA and applicable Federal laws. Discover and their representative Chef Executive officer XX/XX/XXXX has shown an unwillingness to adhere to the federal statue set forth by congress in the Fair Debt Collection Act and has taken it upon themselves to put company rules and policy over federal laws. Discover has reported this unvalidated debt to multiple credit reporting agencies as a negative delinquent account further causing grievous harm to my public reputation. Discover says that they have no more evidence to send validating my obligation to the alleged debt beside a card member agreement and old billing statements, if this is the case Discover must cease and desist all collection attempts of the alleged debt if they are not able to provide the evidence needed to adequately validate my obligation to the alleged debt pursuant to 15 USC 1692g. I need the name and address of the original creditor to the debt is owed.
Product: Mortgage

My wife and me are senior citizens, ages XXXX and XXXX respectfully. We bought our apartment in XX/XX/XXXX with financing from PNC mortgage. Within 90 days of the closing the bank sold the mortgage to XXXX. Since then they have harassed us by calling our house 2 t0 3 times daily Monday through Saturday and stating that our mortgage payments were late even when they processed our payments. In addition, they were charging late fees in error. They also raised our mortgage payments twice the first year without any increase in expenses ( e.g. insurance and taxes ). Our new payment coupon was to have been received before the beginning of XX/XX/XXXX and to start in XX/XX/XXXX. Said coupon has yet to be received. We have sent a letter to the PNC Mortgage executive and waiting to hear from them while we continue to making sure our mortgage payments is timely. 
We would like this information published