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

On the XXXX, I sent money through moneyGram selecting the mobile wallet but the person didn't able to collect it, I want you moneyGram to reverse it to me again. 
Amount of Money is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Reviewed my consumer reports and noticed that I had two late for consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$190.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charged off acct reported in my credit with XXXX XXXX and I have sent several certified mail investigation requests to XXXX, Transunion, and XXXX  and they ALWAYS come back stating that the information has been " verified ''. 
I have requested a " Method of Verification '' so they can verify the information on this XXXX XXXX acct reported in my credit. These three credit bureaus have never provide the requested information : 1. Name and position of the person who verified the information. 
2. Number where they called to verified the information. 
3. Date and time when they called to verify the information. 
4. Supporting documents verifying the information. 

They also reporting this acct with a balance and this is wrong and illegal as the acct is already reported as charge off. 

Thanks in advanced for your help to resolve this matter and remove this acct from my credit report.
Product: Credit card

On a number of occasion 's I have received applicants for credit cards to my address from people that do not live here. Complained to the USPS not to deliver unless its to the two names that do live here.

They have done a pretty good job, but if my regular postal man is off i

t may still get thru. I have also told Capital One Bank that this was happening.
I have now received a credit card, my address, different name from Capital One Bank. 

They are not performing their job if they can not determine whether or not the person lives here or not. 

Is there something you can do to make them tighten up their security?
Product: Credit reporting

A would-be creditor ( " XXXX '' ) has listed XXXX collection accounts on my credit report. Both claims are from employees of XXXX, of which XXXX. Aside from the questionable general legitimacy of these claims, I do n't think my personal credit report should reflect claims relating to employees of an XXXX. 

Thank you for the assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had made a request for financial background check once I XXXX bank transaction and transfer suspicious activity. The report I received was from XXXX, and at most showed my ss num attachment to a XXXX XXXX XXXX within the same institution example XXXX & XXXX. XXXX  XXXX XXXX. As I had discovered more questions on zelle and found issue with acct connection with other banks like XXXX XXXX XXXX XXXX and more, I was concerned that fraud was a situation and found that with no notifications about a recent death in the family, it was possible my grandmother might have had me listed as a beneficiary or joint. So my request was to get a detailed report of all accts which I'm not sure I even received. Now up to my XXXX in XXXX accts n lost deposits from Treasury n potentially the results from the other cases I have opened with cfpb that went to fed XXXX board, even unclaimed funds due as well as a few settlement pymts that have not reached me ; I'm wondering were things have gone as I'm now in a situation where resources are scarce
Product: Payday loan, title loan, or personal loan

When additional principal payments are sent to the bank, the bank is taking finance charges out of principal only payments, even though payments are marked principal only. Five additional principal payments were sent between XXXX and XXXX and each time the bank applied towards finance charge and principal. While the bank will reverse this if you call directly, it is a predatory practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX : Request for Debt Validation Dear Sir/Madam, I am writing to formally request validation of the debt referenced in your communication dated XX/XX/year>2024 regarding an alleged debt under the account number XXXXUnder the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt. Please provide me with the following information : 1. The full name and address of the original creditor. 
2. The amount of the alleged debt, including any interest, fees, or other charges.

3. A copy of the original signed contract or agreement showing my responsibility for this debt.

4. A statement showing a detailed history of how the balance was calculated, including any payments or adjustments made.

5. Proof of your authorization to collect on this debt.

Please understand that, under the FDCPA, you must cease collection efforts until you have provided the requested validation. If you fail to provide this information within XXXX days, you are required to cease collection activities and correct any inaccurate information reported to the credit bureaus regarding this debt.Thank you for your prompt attention to this matter. I look forward to your timely response.Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXXredit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been closed since 2014 and they keep updating it to push the date they closed it later and later to keep it on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report # XXXX dated XX/XX/XXXX shows that XXXX XXXX XXXX XXXX XXXX ( original acct owner ) is reporting a charge card account with a date opened of XX/XX/XXXX. The balance they have listed is {$1300.00} ( updated on XX/XX/XXXX after I disputed an inaccurate balance history based on what the report itself states ) and the highest balance shows {$1400.00} with a recent payment amount of {$140.00} on XX/XX/XXXX which they reported under " Balance History '' dated XX/XX/XXXX. There is also a balance history for XX/XX/XXXX which strangely enough lists {$0.00} Paid on XX/XX/XXXX. IF a payment of {$140.00} was made on this acct on XX/XX/XXXX, why wouldn't it be listed on the balance history occurring in XX/XX/XXXX? Why would it only appear in the later date of the XXXX XXXX balance history? Also, under " Payment History '' in the XX/XX/XXXX this acct lists 120 days late. How can this acct be 120 days late in XX/XX/XXXX AND a payment made on XX/XX/XXXX? It appears the dates, balance, and payment information may not be accurate.The major issue with this account is that XXXX  is an original creditor who has, apparently, sold this account ( attached copy of letter from collection agency named XXXX   who bought the acct around XX/XX/XXXX ) and continues to report each month with a balance due of {$1300.00}. If XXXX does not OWN this debt then this is inaccurate and in violation of reporting guidelines. I have disputed this listing and can not seem to get the credit reporting bureau to do anything more than say they investigated it. Otherwise, they would have seen the inaccuracies and requested verification from the original creditor. I request that XXXXe verify the information they have listed for this acct and prove they still own this account because I have a letter from a collection agency stating XXXX XXXXold the acct to them.
Product: Debt collection

Received call from Asset Recovery Associates XXXX XXXX stating that I owed a debt and legal action will be taken if I do not pay over {$1000.00} by the end of the day. When requested written proof of debt collector XXXX XXXX asked for mailing address which was given. Called back XXXX/XXXX/16 to let know that written letter was not received. Collector XXXX XXXX stated that letter would not continue to be sent. When asked when letter was mailed and if it was certified collector stated that would put down that I was refusing to pay and legal action would be taken. When asked if a certified letter would be sent agent hung up the phone on me.
Product: Mortgage

My XX/XX/2019 mortgage payment had returned NSF and then paid in XX/XX/XXXX. I then made my XX/XX/2019 payment online, but then Mortgage Solutions called asking for my XX/XX/2019 payment. So I went back online and made the payment again thinking it didn't work the first time, but it did so the second payment I made NSF. Which caused me to have two NSFs, therefore I have to mail in my payment until XX/XX/2019, I was told. I mailed my XX/XX/2019 payment to the address on the payment coupon certified mailed. They said they never received it, so I went to the post office and got a copy of the receipt signed that they did received it. I gave them that information, but they continued to call me about it. So I asked how I could send the information, one option was to email it to " XXXX '' and so I did. I have uploaded a copy of the email response being undeliverable to this email. And I have also included a copy of the payment coupon with the address that I sent my payment to that they say they didn't receive. And a copy of the money order stub and certified letter receipt for both XX/XX/XXXX and XX/XX/XXXX.

They told me to send the payments to the corporate office. So I send XX/XX/XXXX 's payment to the corporate office address. I find it strange that I couldn't find a customer service phone number on line for this company and that even though I mailed my payment to the address on the payment coupon they provided, my payment didn't make it to them. And also that they provided me with an email address that isn't valid. Now I find that they have reported on the credit bureau that I missed a payment. I just called them but they were not opened yet, but the automotive system says that my next due is XX/XX/2019, which is correct. 
Now I just need them to remove the late and/or missed payment from the credit bureau reporting systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 orAny 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX ( aka XXXX XXXX XXXX is reporting my accounts as being charged-off. However, I have been making payments through XXXX XXXX XXXX, every month, since 2017. The creditor is reporting a charge-off, even though I have been faithfully making the payments on a proposed payment arrangement that THEY REJECTED. At the advice of XXXX XXXX XXXX, I made the payments, regardless. They have accepted those payments, because since 2017, they have not issued any refunds of the payments ; however, they continue to perniciously report these accounts as a charge-off. The documentation indicates they are now acknowledging payments, but deny the dispute I have submitted at least five times through all three credit bureaus. The erroneous reporting continues to adversely impact my overall credit rating and credit scores, which paralyze my ability to do anything, even though I earn an adequate salary to become a home-owner.
Product: Payday loan, title loan, or personal loan

I came across Spotloan loan service and received {$800.00} for a loan on XX/XX/21. The APR is 490 % which I believe to be illegal. I want to report this company as its operating on an XXXX tribe getting away with charging people illegal APR for such small loan amounts. Thankfully, I paid my loan off and have copies of confirmation of this. However, I am dissatisfied with the fact they charge 490 % interest on such low loan dollar amounts.
Product: Credit card

There was promotional value of 0 % interest for 12 months on the Sears Credit card. The original balance was a little less then {$700.00} and to this date, we have paid over {$750.00} towards this balance. We made other purchases after but were making payments that were suppose to go to the original promotional balance. After calling the company direct, we were told that the payments were going to the full balance instead of the promotional value and that you need to call and set up a separate payment to go towards that. We have a {$100.00} set up as autopay that should go towards the promotional value, but instead they have been using it towards the whole balance instead.
Product: Debt collection

This collection company works with XXXX XXXX XXXX, I have 2 issues : 1. They are trying to collect on a debt I have been making payments on for over a year now. 
2. They are not providing proof of amount owed, I have requested multiple times for an audit of my account to reflect my payments and insurance payments. 
3. CRME nor XXXX XXXX returns calls or acknowledges receipt of letters faxed.
Product: Debt collection

The company is attempting to reach my ex husband. I have explained on at least four occasions now that he is not reachable at this number, that I do not have his contact information, and that we are divorced, but they keep calling, several times a day. 

XX/XX/2020 - three calls Midland Crdt Mg  XXXX - 2x Private number XX/XX/2020 - one call Midland Cm  XXXX XX/XX/2020 - one call Midland Cm  XXXX XX/XX/2020 - two calls Private number XX/XX/2020 - two calls Midland Cm XXXX Unknown XXXX I have no idea what the nature of their business with him is, nor is it any concern of mine. I am registering this complaint as they are harassing me for no valid reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX XXXX Balance details 0 % paid off Balance {$2100.00} Balance updated XX/XX/XXXX Original balance {$2000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid or paying as agreed THE DATE IS NOW XX/XX/XXXX DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Money transfer, virtual currency, or money service

My Binance.US account was disabled on XX/XX/21. I was not given an explanation, a notice, any feedback whatsoever. I opened a ticket with them since that is their only method of correspondence. They never replied. I currently have between $ XXXX in investments with this trading platform depending on the market. After filling out more service tickets, sending in the required selfie videos, selfie pictures, documents showing proof of residency, ID, etc, I still didnt get a response. I went to social media to find hundreds of people have money tied up with this company thats not being resolved. I messaged them on XXXX non-stop until I received a bot email that said my situation has been upgraded. After another week of no response I kept emailing/XXXX  messaging u til I got another response today asking for more videos/selfies etc. no update since. My tickets are XXXX and XXXX. Attached are the bot emails I received from them with XXXX XXXX characters as their names.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act JPMCB Auto has violated my rights. 

JPMCB Auto has violated my rights according to 15 U.S.C 1681 602 ( 4 ) states, " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' JPMCB Auto has violated my rights according to 15 U.S.C 1681 604 A ( 2 ) states " in accordance with the written instructions of the consumer to whom it relates. '' ( I did not provide written authorization to JPMCB Auto. ) JPMCB Auto has violated my rights according to 15 U.S.C 1666B ( A ) states " 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, credit repair services, or other personal consumer reports

XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SSXXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID