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

On Monday XX/XX/2021, I initiated a transfer of {$350.00} to the XXXX XXXX with WorldRemit. Their website promised a hassle-free transfer process with low costs, and I took them at their word. 

Right after I initiated the transfer, WorldRemit withdrew funds from my account, without indicating that any additional requirements should be met before the transfer is completed. 

About two hours after WorldRemit  withdrew money from my account, I received an email asking to verify who I was, and the purpose of the transfer. I immediately responded with answers to their questions. 

Nothing else happened on Monday -- despite the company 's promise that transfers should happen on the same day. 

I called today Tuesday XX/XX/XXXX, to ask for a status update -- and after a long delay of several hours, was to told I have to provide a selfie photo via email. 

I called to express displeasure about the delay ... and the additional request for documentation which was NOT made clear on the website where I initiated a transfer. About XXXX EST today, WorldRemit sent another email asking for a photo-selfie, and my national passport. 

I feel that I was unduly targeted for additional review by WorldRemit and would want to know if others have reported such behavior. 

When I said as much and asked for the transfer to be canceled, I was told they can not return my money for another 7 days. 

This should be illegal. They can take my money within minutes without properly disclosing what is needed to complete a transfer, but they can not return the money for 7 days?
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XXXX of XXXX, I submitted a dispute concerning incorrect information reporting on my credit report ; XXXX said the account was verified, and it's correct. The same information was provided to me on the account that they deem validated ; I went through all the information and reached out to the collection company that the information is not correct and to remove it from my report per email on XX/XX/XXXX. I went ahead and disputed the incorrect information again, providing XXXX  with documents, and they stated again the information was verified. I have documents and statements from my bank showing that this information is incorrect. Also, the collection agency can't provide me with an itemized bill for each of the charges they are reporting. I have requested, and nothing has been given. 
This account was never delinquent reports says XX/XX/XXXX, Southwest Recovery Services is reporting getting collection account on XX/XX/XXXX. This information false as per the documents attached, my bank statements show that I was still active and payments were made to this account way past the report date also I have attached emails with the company that I was still using their company and I wasn't deliquent.
Product: Checking or savings account

On XX/XX/21 I reported my Now Card ending in X XXXX stolen and gave it to a Regions bank teller. I gave the card back to the bank because they stole XXXX from my Now Card account ending in XXXX. I then transferred ( {$220.00} ) on that same day back to cover the negative balance. Also prior to the balance being stolen-negative, there were funds ( already ) in the account. The bank teller/She issued me a new card ending in XXXX. I asked her/ The bank teller/ if she could link XXXX statements to my new Now Card ending in XXXX and she said NO. I went to sleep and found they stole the Now Card I had reported stolen and given back to them ending in XXXX and opened it under the pretenses of XXXX, and the employees began swiping more money this time ( {$80.00} ) under ( fake account ) XXXX, which I had no knowledge of nor gave her consent to do and let me remind you she did which she told me could not be done. ( she linked an unknown card to the previous statement ) but a card they used to steal more money without my knowledge or consent. At XXXX XXXX   that same night I received a message from the bank that the Now card ending in XXXX that they now had in their possession, was stolen and linked to one of their employees XXXX XXXX  in which they were using stealing more money. How did the bank email me about a card they reported stolen, suddenly being uploaded to XXXX XXXX  12 hours later??? They stole ( {$220.00} + XXXX + an incoming ACH transfer of {$200.00} ) the SAME day which was never POSTED to my ( main ) account ending in XXXX or balance making it a total of ( {$500.00} ). I want my money back now. Give me my money back XXXX XXXX goes back to my Now Card ending in XXXX account while XXXX goes back to my main account ending in XXXX.
Product: Credit card

On a recent date, I attempted to make a payment of {$17.00} USD for a XXXX subscription in XXXX using my American Express card. Despite correctly entering the required SafeKey code, which is meant to verify my identity and authorize the transaction, the charge was declined. This was perplexing and inconvenient, especially considering that just the day before, I had successfully completed a much larger transaction of {$1000.00} USD with the same card and security procedure for a XXXX cruise operator, which was approved without issue. 

Upon contacting American Express customer service through their LiveChat feature to understand why the {$17.00} transaction was declined, I was given generic responses about fraud concerns but no specific explanation as to why the SafeKey verification failed to prevent this. I expressed my dissatisfaction and requested some form of compensation for the trouble caused, such as reward points. Instead of addressing my concerns, I was repeatedly advised to contact their identity protection team. 

The interaction did not resolve my concerns, nor did it offer any form of compensation. The service representatives suggested that I make a phone call to discuss further, which was not preferable as I sought assistance through their online chat for immediate resolution. The lack of direct responses and the suggestion to simply call another team left me feeling dismissed and without a clear understanding of why my transaction was declined despite taking all security measures provided by American Express. 

As the conversation ended, I was still without a satisfactory explanation or any form of compensation. Frustrated with the lack of resolution, I decided to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau to seek a clearer resolution and to highlight the inadequate customer service and transaction handling processes encountered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to remove the security freeze and fraud alert on my credit report. I tried removing both online with the pin I set up when I placed the alert, however Experian wont let me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau 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. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX showing late payments when the account is deferred - due to the Coronavirus 19 Pandemic
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX store credit card that they recommended me to get and use in the store. When I got the card, I enabled auto pay which stopped working because of some bug at XXXX credit card end. Instead of notifying me, they kept charging me interest and then showed late payments on XXXX. A {$30.00} purchase led to drop of over XXXX on my XXXXredit score. As soon as that happened i paid off charges and closed my credit card. Since then i have been asking them to fix the wrong record on my XXXX report but they havent made any progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts that are listed on my credit report are fraudulent. I have tried to correct this issue multiple times with no success with the credit bureau.  XXXX XXXX XXXX / XXXX XXXX, $XXXX, opened on XX/XX/XXXX.  XXXX XXXX, $XXXX, opened onXX/XX/XXXX.  XXXX XXXX $XXXX, opened on XX/XX/XXXX.  XXXX, $XXXX, opened on XX/XX/XXXX.  The above referenced accounts are on my credit file without my knowledge or consent.  Please investigate.
Product: Credit card or prepaid card

I applied for a credit card with Wells Fargo to go on vacation. I was never told I would charged fees for using my new credit card outside of the country. I could have used my XXXX card instead. I tried to resolved issue with WF but they never took my complaint seriously. I have been dealing with this issue for a month already.
Product: Debt collection

My son 's house was going to be foreclosed on. we contacted Fay Servicing and made arrangements to bring the debt up to date. I send them three checks, one was in the amount of {$50000.00} ( A cashiers check ), one was a {$15000.00} personal check from my son and the final was my personal {$5000.00} check. Fay Servicing notified us that they did not accept personal checks and we needed to have our bank wire the funds to them which we did, and the loan was brought current. But even though they said they would not accept our checks they went ahead and tried to cash them. The Cashiers check was returned not cashed. My son 's {$15000.00} check was stopped at his bank. But my {$5000.00} check slipped through and was cashed. My son has called Fay Servicing several times attempting to get the {$5000.00} returned and was told each time that this would be taken to committee to see what would be done, but they have never received a answer. I have called but was told they could not talk to me. I wrote them a letter on XX/XX/2022 But have not received a response to date. Fay servicing has and is using {$5000.00} of my money that should have been retuned to me..
Product: Debt collection

XXXX XXXX XXXX  continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
Product: Vehicle loan or lease

XX/XX/XXXX CREDIT ACCEPTANCE CORP XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX : CREDIT ACCEPTANCE # XXXX Dear CREDIT ACCEPTANCE CORP, I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by CREDIT ACCEPTANCE CORP in the State of Ohio on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. 
Under the laws of the State of Ohio UCC 9-611, ( Sections R.C. 1309.611, 1309.612, 1309.614, 1309.601, 1309.709 ), and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. In addition, to proof providing I was notified of Date, Time and location of sell. As I did not have the opportunity to recover. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

A copy of this will be sent to the Attorney General office, Credit Agencies and added to the Consumer Financial Protection Bureau complaint data base. So, there is record requesting this information. If requested documents are not provided, I request you to Delete this account from my credit report, or I will seek damages as within my rights. 
This will be mailed certified with US Post Office with tracking number for purpose of date of delivery and used for damages, if required. 

XXXX XXXX
Product: Debt collection

I was mailed a letter appearing to be from the U.S. Department of Education offering to consolidate my student loan debt. I created an account on nslds.ed.gov and then called the number listed XXXX. I spoke with a representative who already had information that I did not believe a third party could have such as my total student loan debt. He offered me guidance toward consolidating and refinancing my federal loans and told me I was eligible for a repayment forgiveness plan ( REPAYE ). I would only be responsible for {$110.00} a month plus a {$39.00} fee per month. This would also be forgiven after 20 years. The representative seemed genuine and helpful. He told me that I was responsible for the application fee of {$790.00} which I was able to break into two payments of {$390.00}. I signed a contract with this company falsely under the impression that they were a government affiliated and protected company. He insisted that they were federally backed. I sent my REPAYE document and two paystubs to the address that they had provided for my student loan provider. I did not realize that something was fishy until I saw the deduction in the form of check from my checking account. After looking up the company listed that the check was made out to I found through the XXXX XXXX XXXX that XXXX  XXXX XXXX, XXXX was littered with people saying they had been scammed by them. I have emailed them a notice of cancellation of my account and called my bank to dispute the claim.
Product: Mortgage

I applied for a mortgage with loan depot. I went ahead and filled out the necessary paperwork to apply for the loan. I made a specific request that I wanted a 30 year fixed loan. I gave him my credit card number for the appraisal fee. I noticed a 15 year arm loan on the application. I was upset and asked him about it. He said that I could get a better rate if I shorten the term and did n't lock on a rate. I told him I was very upset because he did n't do what I wanted and that I wanted to cancel the loan. His manager called me and apologized and tried to change my mind. I said, " no '' and that I wanted my appraisal money back. The manager said he would refund the appraisal money and apologized. That was in XXXX 2016, I have n't received my money back or received a response from the email I sent.
Product: Debt collection

The Law Offices Of Maury Cobb sent me a letter and numerous robo calls saying they are trying to collect a debt from XXXX XXXX ( who I was a customer for many years which I never had even a late payment. ) I then called the law offices of Maury Cobb which a gentleman informed me I owe XXXX for early termination, equipment and taxes. I told the gentleman I didn't owe that and it was bogus. The gentleman then put me on hold for a hour just to hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX and Equifax multiple times letting them know the account in collections from XXXX XXXX XXXX Original creditor : XXXX needs to be removed. It was satisfied and they agreed to remove the debt once satisfied. Years after resolution the negative trade line has yet to be deleted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Contacted companies for supporting documentation of original applications. Also sent letters over a month ago requesting information.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

-According to the Fair Credit Reporting Act ( FCRA ) section 611. It is illegal to report inaccurate information on my credit report. 
Please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I made payment through my health insurance but the hospital has sent this bill to collections. I made my payment so why am I being bothered? If this is in anyway impacting my credit history I want it all reverted else I will raise another complaint and take it furthet
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : DELETIONS TO CREDIT REPORT Dear Equifax, XXXX, XXXX : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX- XXXX Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports.

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened inXX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX XXXX Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}.

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you. 
Sincerely,