23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I want to file a complaint against Western Union. 
I made a transaction on XX/XX/2017 from USA to XXXX to my brother. 
The given estimate date of complete transaction was XX/XX/2017. 
But fund still not deposited into receiver 's account. 
The customer care person raised a Case against it and ask me to wait 24hrs ( case raised on XX/XX/2017 ). 
From that day, this 24hrs time is not ending. 
I call customer care daily to ask status but getting same response - " Your case is in under investigation. We do n't know where your money is ''. 
I am so tired of it now. This is the worst customer care service I ever see. 
I also provided them receiver 's bank statement that clears, the money never deposit into his account. 
But still they are not refunding my money. 
Basically they are neither depositing it to my receiver 's account nor refunding it back to me and also not giving me any proof of transaction so that my receiver can go his bank and show them. 
They do n't have value of their Customers. They are like " do whatever you can do, we do n't care ''. 
If Western Union is not able to trace money, why customer should struggle. 
They are also not sharing any timeline to resolve the issue. 
Every time same response. I and my receiver both are getting tortured mentally as well as financially. 
Western Union is just passing days and want to get rid of by saying that we have already escalated the issue however our partner bank is not responding. 
What 's customer fault here and why customer suffer because of this. 
My receiver 's statement clearly shows, money never credited to his account. 
It has become a nightmare for both of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} SXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXXXXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Feburary XXXX XXXX  between XXXX and XXXX I went to deposit $ XXXX into my account using RBFCU 's ATM machine that's located on their property and branded " RBFCU '' for it to STEAL MY MONEY AND MY DEBIT CARD.

RBFCU 's ATM machine displayed " Unable To Count Cash '' and spit back out only {$20.00} from the $ XXXX i had just deposited. After grabbing my {$20.00}, the cash dispenser door closed and their ATM machine then displayed " Take Your Cash '' while the door to the machines money dispenser stayed closed. 

I ran inside to get help and XXXX at the front door was the very worst and sadly the very first face i saw. No problem solving skills and with zero solutions. I went back outside to see if the machine finally spit out my money but the screen had reset and was now ready for the next person to use. 

To make this story short from here on out, I go BACK inside and a Manager finally came out to tell me that they can't do anything, it's not even their ATM ( But remember, it's on their property and branded RBFCU, now all of the sudden it's not theirs? ) and that i'll be waiting 7-10 business days to MAYBE get my money back. 

This is a total SCAM and it's not the first time RBFCU 's machine does this to me!!!! Seems to be a reoccurring thing with RBFCU and i bet most people either won't bother going in to demand their money back, or most people wait the 7-10 business days and either get some or none of their money back and just move on?

After walking away with only {$20.00}, and no hope of getting my money back due to the lack of professional help i received, I would NOT recommend anyone go to this location unless you like giving away your hard earned money or being SCAMMED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States
Product: Credit reporting or other personal consumer reports

Today, I am following up on a previous complaint to highlight my ongoing issue of being a victim of fraudulent activity. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are mandated to delete any entries noted on an identity theft report, reference number XXXX. Enclosed, please find the necessary documentation aimed at facilitating the removal of inaccurate personal information and inquiries mistakenly recorded on my credit report. Below are the specific items opened without my consent : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- XXXX -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per Section 605B ( a ) of the FCRA, Credit Reporting Agencies must expunge any consumer file entries identified by the consumer as arising from purported fraudulent activities within 4 business days of receiving such notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an item on my credit report at Experian. The dispute concerned reported late payments on a student loan account with XXXX ( XXXX XXXX XXXX ). The student loan was in deferment untilXX/XX/XXXX, but XXXX reported late payments inXX/XX/XXXXand early XX/XX/XXXX. In support of my dispute, I submitted copies of notices from XXXX approving forbearance for all the periods covered by the supposed late payments. OnXX/XX/XXXX,  XX/XX/XXXX, Experian notified me that the information would not be changed, because XXXX claimed it was correct. The dispute summary made no mention of the attachments I submitted or how they reconciled the discrepancy between those attachments and the claimed late payments. If forbearance was granted, there could be no late payment for a payment that was not due. This late payment report resulted from the XXXX practice of delayed processing of forbearance requests and billing in the interim. When the forbearance is later granted, they do not correct the late payment record.
Product: Debt collection

Since summer of XXXX Firstsource Advantage is harassing me with phone calls attempting to collect a debt that was already charged off and settled with the original creditor, XXXX XXXX XXXXXXXX, for {$3200.00}. I am getting bot calls from them and when I answer the call, no one answers, then they hang up. This prevents me from addressing the issue with them. The emails they send request payments, which I do not owe them. I do not have a contract nor agreement with Firstsource Advantage LLC. They are referring to an account that was in my old name before I had it legally changed. It seems as though they are predatory in practice, trying to collect on a closed account. They have given me a reference number of XXXX
Product: Mortgage

I'm in receipt of a data breach notice from my mortgage company, Mr. Cooper. 
As a result of the data breach they are offering XXXX yrs of a single bureau monitoring. I believe that this an inadequate response to the data breach. They are required by law to offer adequate safeguards for the data the are entrusted with. As a consumer, I would like a more intentional response to this and request they be made to provide 2 years of waived mortgages on my loan ; this is a more appropriate response to failure to adequately safeguard my protected information. After all, this isnt the first time they have failed consumers in the mortgage arena.
Product: Consumer Loan

Quoting them, your first loan application, the data entry person hit the wrong key. I reapplied, the soft pull indicated that your credit report exceeded their pre-set limit of number allowed credit inquiries. No win circumstances. Next, it will be because of XXXX. XXXX ca n't win.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Validate Inaccurate/Reported Late payment XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to obtain ELECTRICITY with XXXX XXXXXXXX and I was told Equifax had no information on my file. I've sent updated information as far back as a few months ago and I faxed over information on XX/XX/2022. Called back and was told I was fine, blocks were removed. Called XXXX XXXX  to get my utilities on and was told blocks are still in place. Called back to Equifax only to be told I needed to resubmit and they have XXXX business days. I don't have five days and I'll literally be in the dark because they're reporting me as unidentified. Although I can verify myself to speak with them but no one knows how to expedite a process that I didn't trigger or cause AFTER I've tried fixing it with them.
Product: Checking or savings account

I was behind in my credit card payments with Synchrony Bank. On XXXX XXXX told representative I will make a {$30.00} payment via checking account on XXXX XXXX and will call later to apply for payments with less interest. On the XXXX Synchrony withdrew {$30.00} twice without my consent and knowledge. This caused an overdraft fee with my bank XXXX because they paid the extra {$30.00}. Now my checking account that i pay my bills has a negative {$92.00} balance. I explained what happened to XXXX rep. they say I have to get Synchrony Bank to return the second, extra {$30.00} to them. Synchrony refused to do it. Therefore my checking account will remain in a negative balance until and when Synchrony decides to correct it. I will not pay for anyone mistake, negligence or deceptive practice. I also do not have automatic withdrawal payments from my checking accounts exactly for this reason. I read companies take out extra money from people`s accounts.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$5700.00} XXXXXXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  Inquired on XX/XX/year> XXXX Inquired on XX/XX/scrub> XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is misleading and dishonest since it negligently reported false information. Please provide me with written proof that I authorized you to report anything on my consumer credit report. I called the debt collector, but they refused to give any proof ; as a result, you are reporting two accounts that are fraudulent and misleading.
Product: Debt collection

On XXXX Tue XXXX I was telephoned by PORTFOLIORECOV XXXX. 

The caller refused to identify the purported creditor, the account, or the amount. I therefore have no way of knowing whether this matter concerns me. It could well be a scam. 

The caller hung up after I refused to continue the conversation in the absence of validating information. 

This was my first contact with this party ; by the FDCPA they must contact my in writing with a Validation Letter within five ( 5 ) days.
Product: Money transfer, virtual currency, or money service

Sendwave is the company name. 
I sent money to XXXX twice with this company and they did not deliver the money. It appears they are trading with peoples money when you send money through their service. They will keep your money for a whole week and then send it back to you as undeliverable. In 2 weeks they could not deliver {$300.00} dollars to XXXX bank in local currency. Not to mention also the fact that they deliberately extend the hold phone time to their customers service with average being 40 mins. Transfer reference number. 
XXXX ).
Product: Mortgage

I was unable to make a payment to XXXX XXXX, because of a " data breach '' with Mr. Cooper Mortgage Company. Now Mr. Cooper reps are saying everything is fine and if your data was leaked they will send me a letter. I need to know what data was compromised and what kind of attack it was. They will not say if it was a " zero day '' attack or ransomware etc. 
I'm just supposed trust they won't get hacked again, after I already trusteed they wouldn't in the first place? 
I do not know what I need to do to mitigate any risk on my end because the company will not tell it's customers what happened exactly.
Product: Mortgage

I first got my loan through the VA. The handed it off to PennyMac. We tried to set up Auto payments online at the very beginning, but for the first few months the did not take the money out. We tried several times to get this resolved but in the end we ended up having to call them every month to get our payments taken out and then put on a forbearance plan. Since then we have had several instances where they didn't pull the payment when they were supposed to, a few times even to the point we had to transfer money into our other bank account to put together the full payment mid month, or split the payment between the 2 bank accounts. On several occasions I have had to to reach out to the VA to even get PennyMac to pull the payment. They have also already raised our payments once, Now they are telling us we have to accept their offer of a new WAY HIGHER interest and unaffordable payments, going from 3 % up to 7 %, with a {$600.00} payment increase, or we have to give them nearly {$4700.00}. If we do not accept their offer then we will be foreclosed on. I feel like this is a tactic to force us into the high interest bracket. If they took their payments out like they were supposed to we would be having no issues.
Product: Debt collection

The following company sent the Credit Bureaus derogatory marks and said I had alleged Debt. Once investigated and sent a copy of the application by XXXX after several disputes. On the application ( 1 ) I noticed the person did not sign my name, ( 2 ) The attempt to sign my name does not have the letters in my name ( 3 ) The wrong address. I have attached a copy of this page. This was not legal or verified thoroughly. Please remove from my credit the following company below. 

XXXX  Account # XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, 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 Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically l, Cash App 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 ( EFT ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

XXXX fraudulent charges were committed utilizing my wife 's debit card number and pin. I called Navy Federal Credit Union, our bank and submitted a claim to reject the charges and have the money reinstated. Naturally, I also cancelled the card. It is obvious that the charges were not done by either of us, as we live in XXXX and the charges were in XXXX XXXX, XXXX. The first charge was at an auto shop in XXXX XXXX for {$4500.00}. The second and third were both cash withdraws of {$300.00} each for a total of {$5100.00} stolen. I have submitted a police report to the XXXX County Police Dept in XXXX and the XXXX XXXX Police as well. I have repeatedly called the bank to ask for an explanation for the findings, but have received none, either over the phone or by mail. As an XXXX XXXX service member, it disgusts me that this bank does not back up its customers and repeatedly gives me the run-a-round when trying to figure out why this claim was rejected. Even if we do not get our money back, we are done banking with Navy Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint asking XXXX, Transunion, and XXXX to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to XXXX XXXX XXXX - XXXX, Transunion, and XXXX have 30 days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.
Product: Checking or savings account

My wallet was stolen XXXX my bank cards and credit cards were stolen and whoever stole it went inside the XXXX store and charged my debit {$2200.00} worth of items. I called my bank Wells Fargo and told them and they told me theres nothing they can do about it, I repeatedly called and they told me they will not pay me my money back. I dont understand this I need your help Thanks!
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights. : XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Student loan

I have been trying to reach the collection agency that is over my account and try and make payment plans but I have not been able to reach them. I have left voicemails and sent emails with no one trying to assist me.