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

I sent a Money transfer to XXXX through MoneyGram to a bank account. the fund was not in the account as promised. I call MoneyGram to enquire around end of XXXX. I was told the money was not proceeded correctly. i then requested for they to cancel the transaction. one month later, i received an email that the money was deposited to the bank account. i called and filled another complain, one month later the resolution was the same, i filed again another complaint in XXXX, resolution came back the same. i filed the last complain in early XXXX, i requested that the claim be escalated, i also requested a copy of the receipt for the transaction. i received an email two days ago, they said that the money was deposited to the account but did not provide any receipt. i called MoneyGram, i spoke to the rep, she just read me what the resolution said, i then requested to talk to a manager, she basically filed another complaint, same as they did the last 4 times. it seems to me that they are not planning to do anything with this case.
Product: Checking or savings account

I have a joint checking account with Chase bank. I noticed there was a quick pay of {$590.00} that was deducted from my account that I did not recognize.. My son who is on the account did not recognize it either. We contacted chase and was told the account may have been compromised and to close it and change all passwords with new account. They said they would investigate and credit account. They did credit account but a few weeks later we noticed the account had been debited again for the same amount. Upon calling Chase we were told that they found no fraud and the money was sent to someone in the same geographical areaXXXX I demanded more information on this person I did not know and was given an email address and last 4 digits of an account number that neither my son or myself recognized. Now we are told that there is nothing further they can do. CASE CLOSED!!!
Product: Credit card or prepaid card

After numerous issues in the past 6 months with account restrictions over suspected fraud and/or inability to use the credit card as precaution, customer service has been deplorable. 

An issue occurred this morning XX/XX/2019 while trying to use the card to charge less than {$50.00} to a reputable online vendor. The website froze the transaction and the credit card account was inaccessible both via the app and website login. 

Customer Service agents are rude, abrupt, attitudinal, care little about customer service courtesy and keep transferring the customer after sparring and fighting relentlessly as was the case of the worst insubordinate, XXXX ( supervisor ). None seem to seek to resolve any issue which should be a core competency of their function. 

Senior bank officers at XXXX have been informed of this degradation of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed with XXXX  to have 2 late payments removed from my account with XXXX  or any credit reporting agency filing a complaint thru CFPB on XXXX XXXX had agreed to remove the late payments due to me being affected by Covid-19, the investigation thru CFPB which was closed on XXXX with XXXX has stated that the items should be removed byt the credit bureaus have let the items remain
Product: Credit reporting

Home foreclosed upon in XX/XX/XXXX Settlement received for improper foreclosure in XX/XX/XXXX Credit report not reflecting improper foreclosure.
Product: Bank account or service

Someone walked into a Chase bank branch, impersonated me and withdrew {$2000.00} from one of my accounts without an ATM card or PIN. Chase froze my account ( I 'm told it will be frozen for 30 days and that I may be reimbursed ) and is restricting access to my funds for that period as well.
Product: Checking or savings account

On XX/XX/2023, I received a response related to the overdrafts being charged by U S. Bank. They submitted a letter to the CFPB. I tried to address the matter before the account was closed and it is now at the second collection agency XXXX XXXX XXXX. The XX/XX/2023 letter from US Bank is attached and the collection letter is attached to this complaint. 

With that stated, I have joined a Class Action Lawsuit Against US Bank related to this topic. The attorney firm XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Fax : XXXX are the firm that has coordinated the class action. I have signed a retainer agreement to be represented in the class by the firm. With this stated. This matter is in dispute and U S Bank should discontinue its collection actions until the matter is settled.
Product: Vehicle loan or lease

On XXXX the car dealership CarHop in XXXX Colorado sent a third party Repo Company to repo my car I was financing with out my permission they gave my information to a third party company with no written or voice permission Part of Constitution 15 USC 1692 F and 15 USC 60802 Both violations from the dealership in the same day hope everything gets taken care of I am just protecting my rights
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. 

Account name : XXXXXXXX XXXX, Account Number : XXXX Account name : Lending Point LLC, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights to privacy. 

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.
Product: Debt collection

Collection agency has accepted information to collect a co-pmt. from XXXX XXXX XXXX. Not only have they turned it over to the Credit Bureaus ( XXXX at the least ) and damaged my credit ; yet also have continued to call XXXX daily ; or XXXX time at the least. Once turned over to the Credit Bureaus it is not to be collect by them. Fair Credit Act ; Law..I believe. The same accounts are being collected by another collection agency. Which has worked with me to stop the collection calls now that I have told them it is " Double Jeopardy '', Law, I believe ; only XXXX Agency can collect a debt. Also, and I am complaining here against " Rash Curtis XXXX XXXX along with other numbers. I lived with roommate and have since moved from the home number the roommate knows he has no right to share information. The ex roommate has told only that I do not use his phone number anymore and can not locate me for them.
Product: Mortgage

On XX/XX/2020 I closed a refinance transaction with XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX disbursed my payoff with an effective date of XX/XX/2020 to SWBC Mortgage. 

The payoff was sent via XXXX and delivered on XX/XX/2020 at XXXX XXXX. and signed for by XXXX. at the payoff department in XXXX, NJ ( XXXX, NJ ). The payoff department did not deposit the check from XXXX XXXX XXXX, XXXX and stamped it received on XX/XX/2020. SWBC then returned my payoff check to XXXX XXXX XXXX, XXXX with a letter stating that my check was not received until XX/XX/2020 for the full payoff and also included an updated Payoff Statement good through XX/XX/2020 for an additional {$400.00}. Multiple phone calls have been made by XXXX XXXX XXXX, XXXX to the customer service department and associates state that they will escalate it to upper management. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, has been told by three different associates that a payoff department manager would return her call and she has yet to receive a phone call. She also faxed copies of the XXXX label and confirmation of signature receipt as directed by customer service. The faxed cleared to SWBC and no action has been taken. I have now wired a full payoff to SWBC and am disappointed and frustrated that I have had to pay an additional {$400.00} due to the error of the payoff department. This constitutes predatory lending behavior and I have been advised to contact CFPB for this purpose.
Product: Credit card or prepaid card

Years ago I had bills and credit lines in my name but I was never aware. 
XXXX of XXXX I applied for an auto loan and found out I had lines of credit from before I was even XXXX years old! XXXX I allowed my younger brother to use me as a cosigner for an apartment and he bailed on me with 6 months on the lease. Little did I know, I was volunteered as a cosigner on my brothers previous lease that he broke because of an internal issue with the complex. Once that lease was broken only thing I knew was that " the apartment would take the hit and he owed nothing. '' XXXX I bought a new vehicle for my commute from XXXX XXXX to XXXX for school. Once my mother was diagnosed with a XXXX XXXX I wasn't able to attend school or work for about 4 months which lead to me dropping out and losing my job. Once this happened I completely fell off on handling my responsibilities, which is a mistake I know not to make again.
Product: Credit reporting or other personal consumer reports

I was checking my credit reports from XXXX and XXXX and it states that I was 30 days late and I was forgiven for XXXX and I paid XXXX early. This is a very bad problem because I am in a position I am trying to get a vehicle, etc. I have nobody to help me as I lost my employment, car and home. Please fix ASAP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that an account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Debt collection

XXXX  and portfolio trying to collect a debt. That over 10 years old. I need them to show me first 90 days late and the original year this started from
Product: Credit card or prepaid card

I tried to use my Citibank double cash card to make a purchase on XX/XX/XXXX and XX/XX/XXXX. It was declined on both occasions. When I called to ask why the representatives gave me false information and refused to help me further. I was ask to verify my identity 4 times over almost 30 minutes and transferred from agent to agent. I believe that this is a deliberate attempt to harass the customer to make them get off the phone in order to reduce customer service costs. This is a terrible way to treat a customer.
Product: Credit card or prepaid card

In XX/XX/XXXX I attempted to change banking institutions leaving Wells Fargo and going to XXXX. In order to change I needed to pay off three credit cards I secured a personal loan from XXXX for the exact payoff amount in XX/XX/XXXX. XXXX then mailed the checks to the three receiving Credit Cards. I have a XXXX tracking number that proved that the check was received on XX/XX/XXXX. I waited a couple of weeks, the XXXX from Wells Fargo and an outside credit card, were reduced down to XXXX correctly, and I was led to believe were closed. However, the Visa from Wells Fargo did not. I called them, and they said they never received the check I let them know I have evidence that the check was received. They said they didnt know where it was, and that I needed to cancel the check and reissue a check and send it out so I did. When the Wells Fargo finally received the check, they paid the account/cashed the check on XX/XX/XXXX. However, Wells Fargo did not credit the account back to XX/XX/XXXX when the initial check was received they attempted to charge me late fees and interest for that two month time period. My XXXX personal banker said that XXXX would deal with the extra fees and interest, because they felt I should not have to pay those fees or interest either.

When XXXX got the personal loan check delivered on XX/XX/XXXX, and got the extra fees and interest voided, the account was at XXXX.

About three weeks ago, XX/XX/XXXX, I started receiving phone calls from Wells Fargo in regards to my XXXX  and Visa. They stated that I still had outstanding balances on those cards and that the accounts were never closed. I was able to speak with an able minded individual in regards to the XXXX  who voided their accumulated {$40.00} and some dollars and closed the account. The Visa has not been accommodating they stated that when the account was paid to XXXX   on the XXXX that it was in the middle of a cycle and that the interest wasnt charged yet. Over the last 10 months these accounts have been accumulating interest, delinquency, and late fees ( approximately {$400.00} and some ). I have spoken to several banking institutions and even several Wells Fargo people that I have come in contact say that it is standard procedure to have backdated the payoff amount to the initial day it was received, XX/XX/XXXX and since they didnt do that, and still refuse to do that, my credit score is badly damaged.

Ive tried escalating the issue internally but the Wells Fargo representatives keep asking me to make a payment and then they can waive fees. I was finally able to get them to assign the case to an executive internally, but this individual would not speak with me, would not return my calls, and has yet tried to make contact directly. Wells Fargo states that they have sent out letters keeping me updated, but I have since moved and did not update Wells Fargo of my contact information given that I was told the accounts were closed. I have since let them know my mailing address but still have not received anything from the executive assigned to my case.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to Transunion. 

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The XXXX reporting agencies are also in violations of ... XXXX XXXX XXXX section XXXX A. States that I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. I also have a FTC report that was submitted to Transunion and clearly disregarded. 
Please remove XXXX ( XXXX ) - ( XXXX ) XXXX was removed and illegally place back on credit report XXXX OF XXXX ( XXXX ) - ( XXXX ) **** 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 XXXXXXXX Also, Transunion took more than 30 days to complete my investigation XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 Trans Union wiped our all my accounts. Attached is a report dated XX/XX/2021. It will show all the accounts that were deleted affecting my score and borrowing. I opened up a complaint # XXXX and CFPB closed this complaint without resolving this complaint. How can my XXXX and XXXX have 12 to 13 accounts and Trans Union only have 1. This should be a red flag. I am somewhat dissapointed that consumers have no where to turn. Take time and look at the attached TransUnion report, and tell me something is not wrong. Do not close this complaint until TransUnion restored my account with all the correct information. I haven't received any correspondence from Trans Union.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I paid XXXX payments they reported to the credit bureau on XX/XX/year> as late and threatened me about {$15.00}
Product: Debt collection

I was contacted by NCC who is saying I owe XXXX ( never heard of them until now ) {$1.00} and therefore I have to pay {$100.00}. 

I don't owe this company any money. It looks like a scam and I already told them I don't owe any money. They have no proof I owe this company any money. And obviously if I owed a company {$1.00} I could afford to pay it. 

I am afraid this will hurt my credit score though. 

Can you please ensure this false allegation isn't listed on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect 30 day, 90 and 120 day late payment on my XXXX  accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on equifax, XXXX   and XXXX  for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.
Product: Credit reporting or other personal consumer reports

TD Bank/ XXXX reported an overdue unpaid balance on XXXX XXXX, 2025 for {$410.00}. The actual bill for this balance stated balance due XXXX XXXX, 2025. The bill was paid on XX/XX/2025. Payment was not late and payment in full was made weeks before it was due. Yet, XXXX reported it as overdue. A valid dispute to XXXX resulted in the same old decision, " sorry, it remains. '' The actual facts do not support that decision. It is effecting my XXXX XXXX and it should not. I do not have any reports of unpaid bills. I have no actual recourse against XXXX or XXXX because whatever XXXX states, XXXX agrees. I was not involved in the so called " investigation. '' The right to dispute is nothing more than an exercise in futility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report that are not mine and that noone can tell me who or what i can help me. I have inquires that are not made by me that equifax is refusing to remove
Product: Credit reporting or other personal consumer reports

un authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Sir/Madam : My name is XXXX XXXX. Since at least 2016, my report Experian has been incorrect in that if fails to indicate my current history with regard to credit cards, mortgage information, bank information, etc. I CONTACTED ALL LENDERS, CREDIT CARD COMPANIES AND MERCHANTS WITH WHOM I HAVE CREDITS, AND THEY ALL INDICATED TO ME THAT MY INFORMATION IS BEING REPORTED TO EXPERIAN ON A REGULAR BASIS! I do not have this problem with XXXX  or XXXX, which indicates my credit score to be above 800. Yet, Experian maintains that I have insufficient credit history to even generate a report! 
I reported this issue back in 2016 when I was qualifying for the Home Equity Loan, and was assured that the situation will be resolved immediately. Four years later, I am in the same situation I was before. 
My contact with the Dispute Center was unproductive - the response was that I need to contact credit card companies and lenders. I did, and was notified that they are reporting information. Since they ALL can not be wrong, the only logical conclusion is that something is not correct with Experian Their failure caused me embarrassment when several department stores denied my credit because of " insufficient credit history. '' How can I have a score of XXXX and XXXX with XXXX  and XXXX, and have insufficient score with Experian? 
It may be an unintentional oversight, but after 4 years still not fixing it is unacceptable. 
Thank you for your consideration. 
XXXX XXXX. XXXX, XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Florida Department of Highway Safety and Motor Vehicles stating that my records were accessed. 
Same day received an email from American Express saying my application for a new credit card was submitted and approved. 
I called American Express and they said no application under my name were received. 
On XX/XX/XXXX I received the credit card on my name by mail, exactly as the confirmation email received days before fron Amex. 
I calle American Express to submit a claim and close the account, they said they will be closing the account and submit a fraud claim. 
Today I receive a letter about rewards program from American Express. 
I suspect about XXXX XXXX store at XXXX XXXX XXXX where I opened a credit card around XX/XX/XXXX, but never asked for the American Express. 
Help, please.
Product: Checking or savings account

PNC will not allow connections to other accounts. I have not given permission to be blocked.