23daVinci/CFPB_Complaints huggingface dataset:
Product: Other financial service

On XXXX XXXX, 2015 I purchased a Moneygram money order in the amount of {$250.00} [ Check No. XXXX ] for {$.00}. 

The Payee was not paid for failure to render Service ; therefore I ( " Purchaser '' ) requested the funds be refunded back to Purchaser. 

On XXXX XXXX, 2015 I purchased XXXX Moneygrams money orders in the amount of {$200.00} [ Check No. ( s ) [ XXXX and XXXX ] for {$1.00}. 

The Payee was not paid for failure to render Service : therefore Purchaser requested the funds be refunded back to Purchaser. 

On XXXX XXXX, 2015 Purchaser complete and filed a request for return of funds by mailing the " Claim-card '' as suggested on XXXX phone instructions and prompts. 

On XXXX XXXX, 2015 Moneygram returned Purchasers " Claim-card '' request for failure to sign signature card. On XXXX XXXX, 2015 XXXX signed XXXX claim-cards and re-mailed to Moneygram on the same day. 

On XXXX XXXX, 2015 Moneygram mailed a Money Order No. XXXX in the amount of {$230.00} for the purchased money order [ Check No. XXXX ] for {$250.00} ; Moneygram profited a Fee of {$15.00}. 

On XXXX XXXX, 2015 Purchaser attempted to cash the check at Wal-Mart, and was charged an additional undisclosed fee of {$3.00} for returning money from [ Check No. XXXX ]. Total fees {$19.00}. 

On XXXX XXXX, 2015 Purchaser has made several attempts to call Moneygram, making inquiry to XXXX unaccounted for money-orders. Purchaser spoke with a rep- who identified herself a " XXXX '' approx. XXXX XXXX PCT. Upon further inquiry, XXXX XXXX disconnected the phone. 

Purchaser returned call back to Moneygram at XXXX XXXX PCT, whereas she spoke with a rep- who identified himself as " XXXX ''. Purchaser requested to speak with a Manager ; however, XXXX proceed to ask multiple unrelated questions which were intrusive and evasive to the issue of missing money-orders. XXXX then place Purchaser on hold for XXXX minutes before disconnecting the line. 

Purchaser returned a third call at XXXX XXXX whereas a rep- identified herself as " XXXX '' who explained that, " Fees are charged for processing paper refunds with XXXX XXXX XXXX . '' Rep- stated, " Did you read your contract, where we charge to process your refund? " Purchaser has XXXX issues ; for XXXX Check Processing1. I paid for the paper Money-Order [ FEE XXXX XXXX cents ] 2. I must pay for a [ XXXX FEE {$15.00} ] to receive refund? 
3. I must pay a [ THIRD FEE ] to cash the Cashiers Check? 

MAJOR ISSUE1. Moneygram / XXXX have FAILED to return moneyRep ( s ) have made FALSE CLAIMS that my address was not in system. 

IMPOSSIBLE! First Check was mailed to P.O. Box which was provided in writing as RETURN MAIL ADDRESS. 

After reviewing the Online Complaints with this Company, there is an ongoing issue with the Accounting and Employees. " XXXX '' was arrogantly confident to tell Consumer/Purchaser, " Do what you have to do ... we only process the paper. " GREAT CUSTOMER SERVICE. I 'm out {$400.00} USD! REALLY?
Product: Debt collection

IS U.S. Code $ 1681c-2 a consumer reporting agency shail block the reporting of any Information in the fle of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipe. it has been 30 days and you are in VIOLATION of this law because I am a victim o

f identty theftil Please delete these items IMMEDLATELY! These accounts should not be furn
ished on my consumer report as they are in VIOLATION Under, 15 US Code 1681b - Permissible purposes of consumer reports ( ) IN GENERAL SUb to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION c consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CON to report amything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm this accountunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountas unconfirmed information without providing evidence within the legally required amount of time. The incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX : {$2000.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA XXXX ( XXXX XXXX XXXX XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

I am submitting this complaint regarding an invalid debt reported by IC Systems on behalf of XXXX. The details of my dispute are as follows : On XX/XX/2025, I spoke with XXXX XXXX XXXX department representatives who both confirmed that I owe {$0.00} on my account and that my account was never billed for any equipment. Despite this, IC Systems claims that I owe {$120.00} for equipment and has refused to provide any documentation or proof of a bill for this debt. Additionally, IC Systems has stated that they will not contact XXXX to verify the debt. 

Immediately after ending my call with IC Systems on XX/XX/2025, I contacted XXXX to confirm the status of my account. Both representatives reaffirmed that I owe nothing and was never charged for any equipment. 

I have written proof of my communication with XXXX agents, which I will attach to this complaint if allowable. 

I am requesting that the CFPB investigate this matter and require IC Systems to either provide valid documentation proving the legitimacy of this debt or cease collection efforts immediately. If this debt has been reported to any credit bureaus, I also request its immediate removal as it is inaccurate and unjustified. 

Thank you for your time and assistance in resolving this matter.
Product: Checking or savings account

On XX/XX/2023, an unauthorized person withdrew money from an atm in XXXX, CA. Wells Fargo denied my fraud claim by stating that a pin was used, therefore it was me or someone I authorized. This is not the case.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed accounts about 3 weeks ago. They removed some but not all. I need them to remove the remaining accounts that are not mine.
Product: Checking or savings account

I opened a checking and a savings account with the WELLS FARGO BANK on XX/XX/XXXX. I had a check from my attorney for the settlement of the accdent that XXXX my husband in XX/XX/XXXXThe amount was XXXX so I had to trust a bank. Not something l do So the manager gave me {$40000.00} cash and transferred the remaining {$140000.00} to  the XXXX branch.Friday before XXXX l withdrew {$1000.00} from checking for the dinner celebration. Then when I went to the bank on Monday to get money to pay bills the teller who was helping me said she did not know what happened to both
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union credit reports has new personnel across the ocean that lies, doesn't do what there company objective is and doesn't do proper investigation even if it is right in front of their hardly speaking XXXX selves. 
XXXX. XXXX XXXX on XXXX put Hard Inquirey on my credit report even though there was a credit freeze. 
XXXX. I called Transunion up and hardly could understand American credit reporting agencies personnel that valiantly lied then hung up phone. I called back and told them it would be impossible to out inquire in file because it has been frozen year 's. Then they demanded police report but police laughed when I called them and told them indians from XXXX hung phone up and demanded police report for hard inquiry that should have been impossible to out on. Finally I demanded fcra investigation section 609 and 611. Of course they didn't know what fcra was? XXXX should be embarrassed to have XXXX representing them. They are bottom feeders. I want this hard inquiry off or the step by step investigation that is federal and state law.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Captital One Credit Card Services to request help due to financial hardship due to COVID 19 lockdown. They agreed that they would not require payments on the account while I was affected by the lockdown and that they would not assess late fees and they would not be reporting the account to the credit bureaus. However, they did not keep there promise. They charged my account a late fee of {$38.00} on XX/XX/XXXX and another {$38.00} on XX/XX/XXXX. I called today XX/XX/20 to have the charges reversed and they refused to do so. I even spoke to the supervisor. They even completely denied that I called them although that shouldn't matter since the whole world knows about the disastrous condition XXXX XXXX  has been in and the fact that we aren't even completely out of lockdown at all!!! Trying to get answers about COVID assistance online was a deceitful wild goose chase as well. It mentions COVID relief but when you click on the links they lead no-where!!! There is not way to ask for help although they make it look like they will help they do not!!! 

After insisting that there has to be something they could do to help during COVID the supervisor changed the amount due on XX/XX/XXXX to 0 instead of {$180.00}. but since I already missed the XX/XX/XXXX payment that still would leave me with the already charged late fee on the account!!!! She still would not even take away the late fee for XXXX anyway. Basically doing ablsolutely NOTHING to help me!!! Changing the accounting for a previous payment to XXXX and not taking away a late fee equals DOING ABSOLUTELY NOTHING FOR A STRUGGLING CUSTOMER DURING THE COVID PANDEMIC. 

They charge over 24 % interest and I have struggled to bring down the balance for 4 years and have been unable to do so. They are making a XXXX  on my account and yet refused to waive those late fees while I'm struggling during a pandemic!!! They are XXXX  and should be penalized. All other credit cards that I called on that day are all extending the courtesy EXCEPT them. They are scammers and liars. Please help!
Product: Credit card or prepaid card

American Express offers " create a plan '' for larger purchases where you can make payments over months with NO INTEREST. What they fail to disclose is that there is a charge for doing this fixed payment plan. It's not until you go to several drop down menus that they have a tool that gives you an estimate of what fee is. However when you actually make the purchase I received another fee ( higher ) than the tool had showed. 

I feel they clearly did not state that there is a fee charged with using this upfront. Like other credit card companies they notify you of any fees ( usually represented in a % of what total amount is ). 

I called AMEX and was transferred 4 times, on phone 79 minutes and no resolution. The last person I spoke with said he'd be calling me back and see what they can do. This was 3 days ago. 

I feel it should be clearly stated that there is a fee associated with this type of " create a plan '' and this fee or % should be accurate not change once a purchase is made. I could had made this large purchase on another credit card that offered NO INTEREST til 2021 if I'd known about this charge from AMEX which is roughly 5 % fee they are charging to use this " create a plan ''
Product: Debt collection

Upon viewing my credit report in XXXX of 2015, I saw Midland Funding XXXX XXXX was listed on my credit report. They were collecting on a XXXX phone bill that was not my account. I disputed the account with the Credit Reporting Agencies XXXX CRA XXXX. Midland Funding verified with the CRA that the account was being reported accurate and was verified to be my account. I then wrote a certified letter to Midland Funding requesting the documents used to verify, specifically any documents to prove my liability for the account as well as proof of any payments made on the account from my financial institution. In response, Midland sent me a false statement created by them, made to look like a real statement with my name and address to serve as proof of my liability. They were not able to send any signed agreements or contracts nor were they able to show any previous payments made by myself on this account. Midland Funding is participating in illegal debt collection which is punishable by law. As a final resolution and to prevent future court proceedings, I am requesting proper debt validation to show my liability for the account or the account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1975, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Prepaid card

Card was purchased. XXXX  Amex Gift Card ( not a specific store or location needed ). 

I have attempted to use this card multiple times now and have been rejected every time. Stores were XXXX 's, XXXX XXXX and XXXX XXXX. All Failed. 

Called American Express Customer Service on the card and was told " To try at other merchants. '' Well that sounds like a kicking the can down the road type answer to me. Let me spend my money or don't take it from me to put on a card to begin with!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered my credit score had been affected as a charge card debt had been increased. As I have only a single credit card tie as alarming. I s som research to find the card was issued by The Home Depot, of which I have no knowledge. I immediately reached out to the store only to confirm that neither my name, address, prior address or SSN had any association with this account. They then directed me to their fraud department to open an investigation. In the meantime I disputed with all 3 credit reporting agencies. I received my first response from XXXX  that as the card issuer confirms the information to be correct, it will remain. This is insane. Whos card is this and how does this just happen? Im supposedly an Authorized User for whom?? I have not advised or approved this for anyone and to be penalized for this fraud is an outrage. I in turn have redisputed this bogus fraud. I am in the process of purchasing another home and will not have this negatively affect my forthcoming interest rate. As I plan to close within the next 60 days, your prompt attention and response is greatly appreciated. 

Many Thanks, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job XX/XX/22. Became late and overwhelmed by my debts. I asked for help thru my bank and was deferred to XXXX XXXX. AT FIRST IT WAS GOOD, they said they need {$130.00} per month automatically taken from my checking. And my understanding was,,,, they negotiate a lower interest, and make small payments TO EACH CREDITOR. HOWEVER, they soon said they needed {$190.00} to pay my creditors. I agreed. They also told me Im 150 % below poverty level. 
I can agree because I can barely make it. I now have applied for Food Stamps. 
Ps. 
My complaint is that,, they constantly tell me I am BEHIND ON MY Zpayments and how could this be when THEY CLEARLY ARE TAKING THE MONEY FROM MY ACCOUNT EACH SOCIAL SECURITY PAY PERIOD. I do not understand, and they do not know how to explain to me clearly. 
In XXXX I could not allow the withdraw of {$190.00} from XXXX. THEY WERE NOTIFIED, said fine, and resumed in XXXX. Now I get letters each week, and notices from my bank credit cards that are to be managed by XXXX. 
THE STRESS IS KILLING ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.
Product: Credit card

I have been complaining about discover reporting negative to my credit reports. Discover refused to apply any excess amount to the highest interest rate balance. Even if i was making {$20.00} extra on my payment. The oldest balance with the highest interest wasn't reduced. After numerous complaints I noticed that even when I made a payment my balance was still increasing by small amount, then that amount started to get even larger. When I complained about the balance not going down Discover started marking my account as past due.The payment amounts reported on credit reports wasn't the amounts Discover was showing i was due. They reported false and inaccurate information with the intention of hurting my credit. Deliberately knowing the information was not the truth. Discover finally blocked my account so I couldn't gain access any longer
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/year>, I was charged {$75.00} by XXXX. Previously, I had a new card issued by my bank ; thus, XXXX did not have my new card information. Per Wells Fargo, the XXXX processor is sharing my information with XXXX. I did not give them to share my new card information. Per XXXX with XXXX ( XXXX ), reference case # XXXX, I signed up for this ; however, I have had a card replaced twice before and had to update this information ; therefore, this was not something that I had opted-into as this would have happened prior to this occasion. 
I request that XXXX not share any of my card information with any processor! This is a violation of my privacy. I did not and I do not give consent for the sharing of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity information abuse and theft for over 10 years. I have contacted the three major credit bureaus several times in an effort to remove fraudulent information and accounts, without success. These fraudulent accounts should be immediately removed according to federal credit reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( XXXX ). It is plainly stated that a failure to investigating these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the Equifax data breach and may gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 30 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 50 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file for litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.