23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by XXXX XXXX from Steel Rivers System concerning a loan now in the amount of {$2000.00}. XXXX XXXX stated that the loan was taken out on XXXX XX/XX/2021 through XXXX XXXX XXXX and was then transferred or sold to XXXX XXXX. The loan was deposited into a XXXX XXXX XXXX, location unknown at this time. I did not take out this loan and I am a victim of fraud and identify theft. Furthermore I have report this issue to my local police department, XXXX XXXX Sheriff 's Office, XXXX XXXX XXXX, Wisconsin. Police case number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- This account is pure identity Theft and wrong!!! 

XXXX XXXX XXXX {$310.00} -- This account is pure identity Theft and wrong!!! 

XXXX XXXXXXXX -- This account is pure identity Theft and wrong!!! 

XXXX XXXX -- This account is pure identity Theft and wrong!!! 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX is trying to collect {$250.00} from me for utility services provided at XXXX XXXX XXXX XXXX in XXXX, MA ( account # XXXX ). This account and this service is not mine ; I can only presume an account was opened under my name and SSN and this is a case of identity theft. 

XXXX XXXX sent the above amount due to collection agency Transworld Systems , Inc ( account # XXXX ). I first become aware of the problem in 2014 when I began receiving invoices from Transworld. 

Both XXXX XXXX and Transworld have been notified of the problem. A police report of identity theft has been filed with the XXXX Police Department ( report # XXXX ).
Product: Money transfers

I transferred money using Moneygram on XXXX XXXX using debit card to send it to an XXXX bank ( debit card to bank account is Moneygram 's fastest transfer apparently ). My money was deducted but it wasnt delivered. On XXXX XXXX, i called them ( Please Note : I CALLED THEM ) and since then I have been struggling to get the refund from them. Their rep actually told me that she doesnt know why the money didnt go through and that the " system doesnt show ''. Then she forwarded my call to a dept which kept dropping my calls. After XXXX calls, finally I could connect and i was told point blank that the transaction must be cancelled ( ps : nobody still knows the reason but they were generously guessing ). Not for once they tried to set things right by actually trying to complete the remit. I was forced to cancel the transaction out of no options and since then they have been saying XXXX days return policy. By my calculation today is XXXX day ( or XXXX business day ). By their calculation it is XXXX business day post cancellation ( they actually debated with me on the business day count!!! ). I have n't received my refund. Till now I have called them atleast XXXX times and emailed them XXXX times. If I push them hard for the refund, I can sense rudeness in their tone and they predictably drop the call midway. 
Bottom-line, they have successfully held-back my money for 17 days ( and continuing ) despite my repeated requests. The family urgency which prompted me to send money to begin with couldnt be helped by me. 
I have used many remit services over years and this is the only company which actually collected SSN number by making it sound like a government requirement. I am extremely angry for giving it to them. A quick XXXX search yielded exactly similar stories which is even more worrying. Somebody should actually look into this company. The only reason I went with them was becoz I saw this name in XXXX and I assumed it might not be a scam company afterall. 
I complained to XXXX and MoneyGram hasnt responded to XXXX 's first notice. Second notice was sent.
Product: Credit reporting or other personal consumer reports

Loading history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There we go XXXX XXXX XXXX XXXX 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 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 XXXXXXXX : XXXX XXXX XXXX XXXX XXXX CFPB LETTERS FOR CRA AFTER ALREADY COMMUNICATING NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a block request. Per the statute a block request should only take 4 days. It has been over a month with no positive results.
Product: Credit reporting or other personal consumer reports

I disputed several fraudulent accounts, as a result of identity theft. The accounts in question were deleted. Several weeks later the accounts were reinstated. Based on the research I did the proper protocol was not followed. Also these account were opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The A accounts listed below are in violation of the law ; XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I paid {$3400.00} using my USAA XXXX XXXX Credit Card to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ) for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Boot Camp. The program was supposed to include training, study materials, and exam vouchers. Shortly after my payment, XXXX XXXX emailed me an unsolicited offer, stating he had a job opportunity requiring a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX certification. He asked to postpone my paid XXXX  training so he could schedule the XXXX training for his job opportunity. He assured me the XXXX training would be free and that my paid XXXX  training would still take place the following week. He also stated the free XXXX  training would include XXXX days of instruction, an official book, an official student kit, and exam vouchers. I attended the free XXXX training during the week of XX/XX/year>. However, the promised book did not arrive until XX/XX/year>, and I never received the official student kit or exam vouchers. Despite multiple follow-ups, I never received the XXXX  Boot Camp, book, student kit, or exam vouchers I originally paid for. My attempts to resolve this with XXXX XXXX resulted in inconsistent responses, empty reassurances, blame shifting, or lack of response. I disputed the charge with USAA, providing clear documentation that XXXX XXXX failed to deliver the XXXX  training. However, USAA ruled in his favor. After reviewing XXXX XXXX 's responses to my dispute, I identified inconsistencies and submitted additional evidence, and reasserted my response via XXXX, but USAA refused to review or reopen my case. I am seeking a full refund of {$3400.00} due to XXXX XXXX breach of agreement, misleading claims, and failure to provide services. This situation reflects a pattern of unfulfilled promises, misrepresentation, and poor business practices by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I request full restitution and formal acknowledgment of these deceptive practices. Please note that the Credit Card used in this transaction was fully paid off and closed, but I am still a member of USAA and they will be able to locate my account.
Product: Credit card or prepaid card

During XXXX and XX/XX/2020 multiple unauthorized purchases were made with my Citi Bank card utilizing XXXX. According to XXXX XXXX customer service these purchases were made online via their website utilizing XXXX as a third party payment service. Citibank card ending in XXXX was charged for {$4900.00} in special order purchases that were picked up at multiple store locations in person as well as delivered to an address that is not mine. Citibank never questioned said charges despite being large amounts that are being shipped to an address not on file with them. I have never utilized this card at XXXX XXXX previously and had a zero balance prior to these purchases. They have requested no further information from me nor had any correspondence aside from the initial dispute. They have somehow determined that I am responsible for these charges despite security failures on their part. I have asked XXXX XXXX to verify the person who picked up said purchases and was told they can not due to not requesting ID verification. CitiBank is refusing to deal with XXXX stating that I must try speaking to them. These purchases were not made by me nor were they authorized. CitiBank has determined I am responsible for said charges but have not provided any evidence as to why. I have included said charges and have print outs from XXXX showing the wrong delivery address and multiple fraudulent charges.
Product: Bank account or service

My bank account was overdrafted by {$20.00} due to a XXXX payment and bank of america changed me XXXX {$35.00} overdraft fees each when I have another account with bank of america with a few thousand dollars in there. I called them next day asked them to consider waiving the fees and the associate told me no and they would not allow me to speak with the manager because they were busy with another customer.
Product: Credit reporting or other personal consumer reports

I paid WELLS FARGO BANK {$49.00} to remove their information off of my XXXX XXXX XXXX report I have called several times and gotten the same we cant do anything about it response WELLS FARGO is ruining my chance to open a new bank account I have reported disputes to XXXX XXXX XXXX 4 separate times about this account information has repeatedly come back accurate and complete when it is not accurate at all and I have receipts showing that I paid the balance that was owed no one is doing anything about this issue and WELLS FARGO is refusing to help even after calling multiple times and talking to multiple different people I have been going back and forth with XXXX XXXX  SINCE XXXX AND I STILL HAVE NOT BEEN ABLE TO GET THIS INFORMATION REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an application for a lease through XXXX XXXX XXXX, XXXX and my application was denied. Confused, I looked further into the matter and found that CoreLogic, LLC is reporting 4 evictions and an open judgement from 2018 on my profile.

As instructed by CoreLogic, LLC, I obtained all records from the Clerk of Courts for XXXX XXXX who confirmed there are no open judgements against me and the one record they had was dismissed. 

The clerk provided a copy of all records they have for my name and notarized it with the Court 's Seal to prove authenticity. 

I provided this information to both the leasing agent and CoreLogic to no avail. XXXX, a Supervisor for CoreLogic, assured me that he was escalating this matter with their internal team. He stated this matter would be resolved Friday, XX/XX/XXXX. 

I called back today and he is attempting to challenge the authenticity of the documents provided by XXXX XXXX XXXX. 

XXXX of CoreLogic shared that they handled 98 % of all rental applications. My current lease is up XX/XX/XXXX. This clear violation of the FCRA Act is barring me from securing shelter for my family. 

I want to pursue this matter to the fullest extent of the law. CoreLogic, LLC is currently under litigation regarding this very same issue. CoreLogic needs to be held accountable or to the same standard as the big 3 credit bureaus. If they are going to report information that determines someones creditworthiness or approval, they should be providing the most accurate information and have a system established for verification. 

I went so far as to provide the link to the XXXX XXXX Court where they can search for my name and pull up any records associated with my name. They have refused. This has not been an issue for me since the Judge dismissed the case but it's coming up now.

CoreLogic has refused to remove this negative reporting from whatever profile the are illegally associating with my XXXX
Product: Debt collection

XXXX XXXX has attempted to collect a payment since XX/XX/XXXX and has forwarded this alleged debt to XXXX XXXX XXXX ( EDP XXXX ). XXXX XXXX XXXX continues to send me debt collection letters. My account with XXXX XXXX ( XXXX ) was canceled in XX/XX/XXXX with no remaining balance -- returned all the equipment. If there was a remaining balance, according to California consumer debt laws, after four years a debt can not be collected. The time lapse was completed In XX/XX/XXXX. I want the negative credit reporting from XXXX XXXX XXXX and XXXX XXXX to be deleted from XXXX, XXXX, XXXX XXXX and XXXX, per California laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANS UNION LLC XXXX CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXXXXXX, PA XXXX RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action on this matter. 

Sincerely, XXXX XXXX Enclosures : Proof of identity Trafficking documentation
Product: Credit card

Reference Number : XXXX I submitted a dispute with Amex that XXXX didnt receive the merchandise. 
The merchant provided a photo of the return, which showed that they did not receive the bracelet. Therefore, the merchant concluded that I took the bracelet. 
Then the merchant provided the receipt of my purchase and XXXX 's signature. Ironically, the signatory is not me, and this person signed with an illegal ID. 
The merchant was sure that I didn't return the goods, because I didn't receive the goods at all. 
In the week when the incident happened, the merchant contacted me and said that he had not received the goods. And the merchant mentioned that they had filed a claim with XXXX, and I also provided the police reports. 
In the face of so much evidence I provided, Amex still rejected my dispute. 
Sum up, package was signed by an invalid XXXX is not responsible for this purchase. 
And the merchant doesnt have evidence that XXXX XXXX the package and have the merchandise in XXXX XXXX. 
Please ask for certificate of receipt signed by the XXXX from the merchant. XXXX indicates that the merchant has an image that shows who signed for it. The merchant has not provided this document. Please ask the merchant to provide this document!! 
I won't pay this bill. I will fight until the end.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Whats good. 
Im hittin you up to let you know I dispute the debt under the Fair Debt Collection Practices Act Aint no need for proof or more docs I just dont agree with the debt straight up If you got ta contact me hit me by email only Monday to Friday XXXX to XXXX east coast time No live calls no voicemails and dont send no mail through XXXX XXXX XXXX or any couriers either Thats just inconvenient Thanks for understanding
Product: Money transfer, virtual currency, or money service

Please reference previous complaint : XXXX complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2024 PRODUCT Money transfer, virtual currency, or money service ISSUE Money was not available when promised PAYPAL has increased my withdrawal limits, but they are now prohibiting we from withdrawing by forcing me to again " verify identity '' and providing no means to do so. They are forcing me to enter a text message code that never arrives, and they provide no other method to " verify identity ' even when I call them on the phone number they are supposedly sending a text message to. Customer service suggested I : " try again in 4-5 days. '' THIS IS UNACCEPTABLE AND I REQUIRE IMMEDIATE ACCESS TO MY PROPERTY.
Product: Mortgage

I was charged UNLAWFUL interest charges during the financial forebearance and escrow impound in 2020.
Product: Credit card or prepaid card

Capital one credit card account, they put a six working day hold on a electronic bank transfer payment, is this legal, money cleared my bank day after payment. They refuse to credit my card!
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was compromised and i file a complaint with IDENITYTHEFT.GOV I HAVE MANY INQUIRIES THAT I DID NOT AUTHORIZE AND THE CREDIT BUREAUS HAVE FAILED TO REMOVE THEM ALSO XXXX XXXX SENT A LETTER THAT MY INFORMATION COULD HAVE BEEN OBTAINED THRU THEM TO SUPPORT MY CLAIM WHICH I WILL UPLOADXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I found an incorrect item on my credit report. 
XXXX Bank Account number XXXX ************** XXXX {$610.00} This credit card account is unknown. 
I have not received or used this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this negative information removed from my credit report regarding XXXX XXXX and Experian since XXXX of 2018 about a past due balance from a old apartment that I do not owe. I have sent numerous certified letters to try to get this issue resolved to no avail. Due to their negligence, I have been denied a mortgage refinance loan from XXXX mortgage company and a personal loan from XXXX XXXX XXXX XXXX.