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

On XX/XX/2022 at approximately XXXX p.m. XXXX, I sent a MoneyGram 'wire ' for {$400.00} using their App which I have installed on my phone. I have used their service many times before without incident. The money was taken from my bank account and was supposed to arrive in my other bank account via " XXXX '' ( within minutes ). I received a notice on the App and via email that the money would be available in " minutes. '' I still don't have my money. 

All I get is a big runaround from " customer service. '' I have called and emailed no less than 10-15 times since that date as I needed that money to pay my bills. 

All I hear is that there is an " investigation. '' Does it take 2 weeks to " investigate '' in this day of electronic processing? 

Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a 30-day late for XX/XX/2018on my RV loan which is incorrect ( to all 3 credit agencies ). I my  payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

XXXX XXXX XXXX XXXX reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and XXXX XXXX XXXX XXXX just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX. I was checking carefully my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are violating 15 usc 1681e ( b ) by not accurately reporting the information to my consumer file!!!! Its their job as a reporting agency to accurately validate and verify all information before reporting the data to my consumer file!!! Experian and XXXX have failed to do so!!!!! Experian and XXXX are violating 15 usc 1692d ( 4 ). XXXX has provided a letter stating that they do not own this debt nor do they have a financial interest in this debt ; therefore, this must be removed immediately! They are also violating 15 usc 1692g by not properly validating this debt before reporting this information to my consumer report! XXXX has also stated that XXXX is the only bureau that has removed the incorrect information by stating that Experian and XXXX are the only bureaus that are still reporting this erroneous information!!!! XXXX and Experian are furnishing false information which violates 15 usc 1692e punishable pursuant 15 usc 1692k and pursuant 15 usc 1681n ( 1 ) ( B ) they both are punishable in the amount of XXXX. I have also included my identification to show that I XXXX XXXX XXXX XXXX am the person submitting this complaint!!! And above all other things XXXX and Experian are violating my right to privacy pursuant 15 usc 1681a ( 4 ) and they do not have permissible purpose pursuant 1681b ( 2 )!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding fraudulent, inaccurate and unverifiable information on my credit report. Please delete these accounts from my credit report within 4 days of receipt of this letter or provide the method of verification. I have attached my FTC identity affidavidt, screenshots showing no action has been taken and no documents provided, ID and bank statement. 

I previously disputed these accounts, but the information remains on my credit report without adequate verification. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to know the methods and sources used to verify this information. 

Please provide the above within 4 days of receipt of this letter or delete from my credit report. The failure to verify or remove the disputed information violates my rights under the FCRA. I respectfully request the CFPBs assistance to have these items deleted from my credit report. 

See below the exact accounts in question with reasoning exactly as sent to the bureau for correction/deletion : XXXX XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 

XXXXXXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$180.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$3200.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Public Record from a Bankruptcy XXXX XXXXXXXX on XX/XX/XXXX. 
Under 15 US Code 1681a ( 4 ) I have the right to privacy as a consumer, and if this bankruptcy is not deleted from my record I will file a small claims lawsuit in my city and state to recover money.

This Account is in Violation of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report.

Please remove it or I will seek legal compensation
Product: Credit reporting, credit repair services, or other personal consumer reports

________________________________________ XXXX XXXX TRANSUNION XXXX XXXX XXXX BALANCE XXXX DATE OPENED XX/XX/2019 COLLECTION _________________________________ 2. XXXX XXXX COLLECTION IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY. 

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ... 
THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.
Product: Debt collection

both XXXX and XXXX have called me after explaining to them that needed to reach XXXX XXXX XXXX that I am working through. I have been requested from the XXXX XXXX XXXX to change my phone over to them. 

Both 800 number have called my cell number so many times that it is costing me money and now they are harassing my work place. 

I have contacted XXXX XXXX XXXX about them calling my work number too. 
Again, I have asked these two 800 numbers to reach my XXXX XXXX XXXX Counselor who is working with me.
Product: Credit card

WALMART DECREASE MY CREDIT LIMIT WITHOUT A REASON ALWAYS PAID ON TIME NEVER LATE I USED THE CARD OFTEN PAID TO 0 MULTIPLE TIMES
Product: Debt collection

I have received repeated calls from many different phone numbers with the ID of " Portfoliorecov ''. I am not certain but I think these could be calls from a company called Portfolio Recovery which, according to the internet, has been implicated in collection scams. 

First I want to make it clear that my only debt is my mortgage. I always pay this on time, and pay-off the balance for credit cards at the end of the month. I have never received a notice of an unpaid debt from this company ( which I believe is required by law, and absence of such is a warning flag ). 

I have tried to remedy the situation by answering the phone in order to provide corrective information, but there is never anyone on the other line. I have concluded that, rather than legitimately trying to contact me, they are ( 1 ) trying to harass and intimidate me, or ( 2 ) are trying to determine when I am home so that they can rob my home or otherwise target me for other telemarketers. 

I have made numerous complaints to the donotcall.gov website and no apparent action has been taken. So I started blocking calls on my landline. Unfortunately, they always seem to be able to cough-up another number I have not yet blocked. Since XX/XX/XXXX, calls from Portfoliorecov have been received from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts Name of Account & Account Number Are not complete and accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Are not complete and accurate. 

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 if the 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 if 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

I sent XXXX letters last month because I noticed there was inaccurate on my credit report but the accounts were never removed.
Product: Mortgage

This is not a duplicate complaint. This is a new complaint. 
The complaint consist of two parts : 1 ) After my previous complaint they accepted my payment of {$10000.00} that was received on XX/XX/2021. The day before the payment is due they reversed the payment. That's already the second payment that they have not accepted. The first one was done through the XXXX  XXXX XXXX and they said that I sent it to the wrong address which is not true as the address was the same as all previous payments. They are obviously sabotaging my payments so that they can add late feed and other illegal fees that they are adding to the account ( see section 2 of the complaint ).

2 ) They sent me an amended payoff statement. They include bogus charges. That is clearly unfair, deceptive, and abusive policy. For every pay off they charge a Recording fee of {$180.00}, Late charges of {$130.00} even though their account is not overdue. They also add a Payoff statement fee of {$30.00}. These are basically mandatory fees that were added after my account was sold to Freedom Mortgage. Basically, everyone is charged this fee and it's automatically added to my mortgage once the loan is sold to them. They say that they are allowed to add fees to service the account, but this is not a service. They just add these fees to steal money from customers. 


I hope the Bureau will take action against this predatory company and stop this unlawful practice that violates the law and allows this company to steal possibly hundreds of thousands of dollars from the customs of the freedom mortgage.
Product: Debt collection

This is a complaint against XXXX XXXX, XXXX ( previous known as XXXX, XXXX, XXXX XXXX, XXXX ) that practices business at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX, XXXX is representing XXXX XXXX ( Resurgent Capital Services, LP ) doing business at the following address : XXXX XXXX XXXXXXXX, XXXX, SC XXXX This law firm is being reported for a violation of section 808.8 of the Fair Debt Collection Practices act. 

XXXX, XXXX XXXX has been filing legal documents in the XXXX County Circuit Court using the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, OR XXXX This address is for a XXXXXXXX XXXX located in XXXX and doesn't reflect any physical address the is used by the law firm to practice or conduct from. 

Since the debt collector has misrepresented themselves on legal documents at an address that doesn't reflect a location where XXXX XXXX, XXXX practices law and doesn't reflect the address used when filing business forms with the State of Oregon, Secretary of State, this scenario could make it difficult for XXXX XXXX, XXXX to follow garnishment proceedings with publicly traded companies such as XXXX since garnish paperwork served doesn't not reflect the correct address where the law firm is currently residing in the state of Oregon or their own home office as section 808.8 implies. 

As a result, these collection practices appear deceptive to the consumer as well as a lack of accountability on how the law firm has chosen to practice law in the state of Oregon that could lead to being reported to the US Postal Service for mail fraud and the possibility of wire fraud charges, at the federal level, since there is no indication the the garnishment is correctly being applied to XXXX XXXX ( Resurgent Capital Services, LP ) simply going by the work of XXXX XXXX, XXXX at this time. 

While XXXX XXXX ( Resurgent Capital Services, LP ) has indicated in phone conversation that they have been for the debt, that is only based on a telephone call and not in writing. 

Lawyers for XXXX XXXX, XXXX have been reported to the Oregon Bar Association for misrepresentation since neither attorney ( Mr. XXXX XXXX XXXX and/or XXXX XXXX XXXX ) has been actively practising law in the state of Oregon through an office within the state of Oregon ( based on their own Linked In social media profiles ).

Mr. XXXX has represented himself in a hearings based on a XXXX conversation ( via voice ). In addition, the physical office reported on documents with the state of Oregon, reflect an inactive office space.
Product: Debt collection

I look at my credit report, and seen this company had a collection under my name. 
I attempt to contact the company to get information and why a collection is under my name. The company provided me a website and that is where I got the acct. number from the website. I sent them a letter XX/XX/2020 at XXXX XXXX providing information with my acct from the website they provide. www.icsystem.com. The company sent me a letter stating they didn't have any information to provide, so why do I have a collection under my name with company if they claim I don't have an acct. with them.
Product: Credit card or prepaid card

I was looking at my Macy 's credit card statement and i saw a line item XXXX XXXX. I never requested this service or protection. I called the company and they will not cancel it. Apparently it has been in place multiple years. I need help to cancel and get the fees refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Immediate Removal of Fraudulent Accounts and Unauthorized Hard Inquiries I am writing to inform you that I have recently become a victim of identity theft, resulting in several fraudulent accounts appearing on my credit report. As a responsible consumer, I am taking immediate action to rectify this situation and request your assistance in removing these fraudulent accounts from my credit report as soon as possible. 

The following is a list of fraudulent accounts that have been reported to my credit report without my authorization : 1. Account name : XXXX XXXX XXXX Account number : XXXX 2. Account name : XXXX Account number : XXXX 3. Account name : XXXX XXXX Account number : XXXX 4. Account name : XXXX XXXX Account number : XXXX 5. Account name : XXXX XXXX Account number : XXXX 6. Account name : XXXX & XXXX Account number : XXXX 7. Account name : XXXX XXXX XXXX XXXX Account number : XXXX According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit bureau to ensure that the information furnished on my credit report is accurate, complete, and verified. These fraudulent accounts clearly violate my rights as a consumer and are causing significant harm to my creditworthiness. 

I kindly request that you investigate these fraudulent accounts promptly and remove them from my credit report within four business days. Failure to do so would be a violation of the FCRA and may result in legal action being taken against your organization. 

Furthermore, I have noticed the presence of unauthorized hard inquiries on my credit report that are not associated with any open accounts. These inquiries were made without my written consent and are adversely affecting my credit score and my ability to obtain credit. I demand that these unauthorized hard inquiries be immediately removed from my credit report. 

I must emphasize that I do not wish to receive a response from e-oscar or any automated system. I request that this matter be handled by a competent human being who can provide the necessary attention and ensure a proper resolution. 

I urge you to take immediate action on this matter and provide me with written confirmation of the removal of the fraudulent accounts and unauthorized hard inquiries from my credit report. Additionally, I request that you block the information related to these fraudulent accounts to prevent any future reporting. 

I expect your prompt attention and resolution of this matter within the stated timeframe. Please note that any delay or inaction on your part may lead to further damages and will be duly documented for potential legal recourse. 

Thank you for your cooperation and assistance in resolving this distressing situation. I look forward to a swift resolution and the restoration of the accuracy and integrity of my credit report. 

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

In XXXX of XXXX, I closed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However,, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX still reported me as 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. After repeated phone calls, I was sent a check in XX/XX/XXXX in the amount of {$63.00}. 

Attached you will see a snapshot of how it looks on my credit report. My payments to XXXX XXXX and the deposit to my bank. 

XXXX is negatively affecting my credit by reporting erroneous information of 30 and 60 days late. XXXX XXXX XXXX XXXX XXXX never accurately reported my account as closed.
Product: Consumer Loan

On XXXX XXXX, XXXX, I purchased a car from XXXX XXXX in XXXX, Arizona. The car was financed through Americredit Financial. I fell behind on the payments when my mother became stricken with XXXX and it was subsequently repossessed by Americredit in XXXX XXXX. The repossession was unlawful due to threats of violence and abuse to myself and my family by the repossession agent, which constitutes a breach of peace. At some point, GM Financial purchased Americredit and began reporting the original loan and deficiency balance on my credit report. For the great part of the last year, I have contacted both GM Financial and the credit bureaus to have the incorrect reporting of the account corrected. GM Financial continually refuses to correct the reporting despite my multiple requests directly to them and my multiple disputes with the credit bureaus. GM Financial continously verifies the information as accurate to the credit bureaus even though it is clearly not accurate. Currently, the account is not reporting the correct loan term and the monthly reporting is inconsistent between the XXXX and XXXX reports. The account was subsequently deleted by GM Financial from my XXXX report last year. How is it possible that GM Financial can continually verify an account as accurate to the credit bureau when the account is reporting differently on each report? 

I am providing the following as proof to support my claims : 1 ) original contract with Americredit reflecting the terms of the account to be 60 months. It is currently being reported as 65 months by GM Financial, thus aging the account further. 
2 ) Screen shots of the account as they currently display on my credit report showing different payment histories and status. 
3 ) Email correspondence between myself and XXXX XXXX from GM Financial showing I provided her with documentation showing the account was not reporting properly then and her refusal to address the issue. 
4 ) Email correspondence from myself to XXXX XXXX, CEO of GM Financial to bring attention to the continuous reporting errors and the wrongful repossession. 
5 ) Mail correspondence from XXXX XXXX from GM Financial, again asserting that GM Financial is properly reporting the account.
Product: Debt collection

NATIONAL CREDIT SYSTEM Collection Account ( Account # XXXX ) Balance : {$1900.00} As a victim of domestic violence, I was forced to leave my previous living situation, which led to this disputed debt. Under Minnesota Statutes 332.37, debt collectors must 1 validate their right to collect any debt. I have not been provided with the necessary proof that XXXX XXXX XXXX legally owns this debt and has the authority to collect it. 


Additionally, Minnesota law offers protections for victims of domestic violence that should be taken into account in this matter. Given these circumstances, I request that this collection account be deleted from my credit report immediately.
Product: Debt collection

Credit cards keep calling me talking about them making late payments. Im doing all this type of stuff and Im like no my credit cards are all up-to-date and theyre the one Im on my credit and its just all kind of crazy stuff then I get they call me and maybe be talking real reckless and very rude and and yeah, just very rude and horrible and unprofessional.
Product: Credit card

Take note of the attached documents. I want the bureau to commence an investigation into these accounts that inaccurately portray me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.