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

Dear CFPB I am formally filing this complaint against Moneygram against transaction # XXXX. I am from the United States and was visiting my extended family in XXXX XXXX. I did an online transaction so I could leave my parents with some money as a gift. I was flying out the very next day morning.. I received a verification call from Moneygram. I provided all the information they were looking for. They confirmed the transaction is approved. I later received a confirmation email that the money is ready for pick up.. At the pick up location they however told me the transaction is on hold.. I called Moneygram again and after frustrating 1.30 mins on the call and several disconnects I still did not get my money.. The service was outsourced to poorly connected third world country who were not at all audible or clear in their english. I was put on hold at least 10 times and disconnected several times. They finally cancelled the transaction citing the reason that why am I doing a money transfer when I am in XXXX and can give the money directly? Seriously? The money is in my bank in XXXX not in XXXX How else could I have given money except for a moneygram transfer. I am leaving without any gift to my parents and that means a lot in our culture.. Moreoever Moneygram has the audicity to hold my own money for 12 business days before refunding.. I want the strictest of legal action taken against Moneygram
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX I had my personal info stollen out of my truck at work. My social, Drivers license and passport. A month or two latter my info was used in several attempts ti obtains credit. They were unsuccessfull in opening any account But the false name, address and phone numbers they used remained on my account with out my knowledge or awareness for many years. In XXXX of XXXX I started to clean up my credit I discovered false addresses names phone numbers on my report.I cleaned my report so that it reflected my accurate information.I notified XXXX, XXXX and Experian of an account on my credit report that was associated with Fradulent information. Incorrect Name ( XXXX XXXX XXXX ) my correct name XXXX XXXX XXXX as it appears on my social. XXXX and XXXX were quick to act and remove this inaccurate and detrimental account and information.Experian was the only one that has not deleted the wrong info and account reporting fradulent information Not sure if Experian follows a different set of laws or guidelines. Experian said that from there investigation they were siding with XXXX XXXX XXXX in the action reporting of inaccurate information on my credit report. I attempted to challenge the outcome of the investigation performed by Experian. But from the report it looks like they took there word over my own. Not to sure why XXXX XXXX is still reporting this and I would like to get this event behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rediscovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance {$24000.00} DEPT OF ED/XXXX  XXXX  Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

This account is Identity theft, Discover has been informed multiple times. Discover has misled in regards of the fraud process, documentation proving identity theft was provided and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have never been associated to said address. 
This is discrimination and misleading on Discovers part, I am now being harassed my Discover, Representatives have failed to resolve correctly. This is also racism as I am XXXX. I have been more than cooperative, providing every document requested by Discover yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and Discover needs to be stopped.
Product: Debt collection

Debt validation and verification letter confirming details of debt. Legal ownership of debt including original contract and all payments. 
If this can not be provided in 30 days, you are to cease and desist all communication ( written and verbal ), you are to remove unlawful reported collection from all 3 credit agencies or I will continue with litigation pursuant to US federal codes 15 USC 1692 ( c ). Furthermore, continuing to report this to the 3 credit agencies is a violation of my cease and desist. Failure to comply moth the cease and desist is also a violation of the FDCPA and will result in further legal action. You are to remove this unlawful reporting form all XXXX credit agencies or you force legal action for every phone call, every letter and every single month you have unlawfully reported and each count for each credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX  several certified letters concerning the false, bogus info they are sending to  the   XXXX    credit bure aus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially.  XXXX  has violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX  /per vio lation.   I never received any type of paperwork from  XXXX . I spoke to  XXXX   ( Customer Service )  ext.  XXXX  on  XX/XX/XXXX      XXXX   XXXX   he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XX/XX/XXXX     XXXX  I spoke to a   XXXX   ( Customer Service  ) t old me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was signed  XXXX  She als o told me my last payment was  XXXX .  XXXX  is reporting false info which against the law. This is the reason they not replying to my certified letters!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Product: Debt collection

I am disputing your claim based on the fact that I have no knowledge whatsoever of any incident, accident or transaction between myself and any business called AFNI INC or XXXX XXXX XXXX XXXX Nor is the account number you claim I have with you familiar in the least. You provided me with no information as to the nature of this incident, make claims of a invalid claim against me & claim Im responsible for something which I have no record of. XXXX  the documentation which you sent over validates no alleged agreement nor does it havemysignature
Product: Debt collection

XXXX XXXX is still reporting a negative balance and account on my credit. I settled this debt with the company collecting on their behalf, in XX/XX/XXXX.

XXXX XXXX attorney Contacted me when I was attempting to settle said that GM  advised me to call them and she gave me their number : XXXX.

I called them and they told me an outside agency named VITAL is collecting on the debt now. Their number is XXXX - XXXX   account number XXXX.

I called that company On XX/XX/XXXXI settled the debt for {$1500.00}. It was paid and they advised me that the account was a XXXX  balance.

Now they won't return my calls and XXXX is still reporting on credit. I have contacted my attorney and the next correspondence will be from him if they do not fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017- i had my credit card theft due to a credit card skimmer. i was in possession of the bank card. I was placed a call to customer services for the detail. while on the phone with the customer rep i was advised of the person with credit card skimmer attempting to use the card in real time ( while on phone with Regions rep ) - I came into the XXXX XXXX, Florida Branch to put in a formal complaint and was told the bank manager would open an investigation and follow up with a report pertaining the findings Police Report XXXXPD case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a letter from Synchrony bank that I was overdue in payment of my credit card. I was totally surprised because not only did not have a credit card but I never heard of this bank before. Next day I called the bank to explain that I have no idea what was that all about since I never had an account with them and did not know that the bank existed. 
First they told me that they had all my personal data, very scary, but they will take care of the mater promptly. On XX/XX/XXXX I received a letter from them to inform me that my request had been " denied since the goods were shipped to my address and I benefit from it ''. 
Whoever wrote this letter was lying, because I had never received any such items and if they were indeed shipped to my address I would have been aware of it. 
There was no effort from the bank, to my knowledge, to protect my credit information and find out who was the perpetrator and turn him to authorities. 
I am a XXXX year man I never have defaulted to any my account in my life and for sure not for {$110.00}. 
To add insult to my injury they send me a new credit card!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

Bank is not allowing me to connect my account with XXXX for early payouts to help with bills.
Product: Debt collection

I was not aware of a XXXX XXXX debt until i saw it on my credit, i tried calling to get a copy of an original application with my signature proving this was my bill.but i was told to call there 3rd party Jefferson Capital.i did not understand since its a XXXX  acct..i have never been able to get proof of this debt.
Product: Mortgage

M y problem is with Wells Fargo, the ho lder of my mortgage loan. They have dragged their feet and put us through the runaround for  over two yea rs and are now setting a foreclosure sale date of  XXXX   XXXX . They have refused to initiate a review of our current financial circumstances, even though things have changed and the amount of income for the household has significantly increased. We received a letter from  Wells Fargo last month fro m  XXXX   XXXX   Executive Resolution Specialist that stated that Wells Fargo will not review your loan for mortgage assistance options again. There is no reason given. I am pretty sure that Wells Fargo is  supposed to be looking at our current and correct financial information. We have several relatives living in the home and everyone is trying to pitch in to help so that we can save our ho  me. Wells Fargo is purposely denying my family access to government programs that we could qualify for and I dont know why. Not only are they refusing to conduct a review and instead trying to set a foreclosure sale date, they also failed to offer us the option of mediation as required by New Jersey state law.
This is part of a pattern. Wells Fargo has repeatedly dragged their feet, misplaced documents and given us the runaround. We just want the chance to save our home, but Wells Fargo   will not review the current and correct financial information. There are  XXXX  of us living here including  XXXX  young children. I understand that we fell behind but we can make this work and can qualify for a modif ication if Wells Fargo gives us a chance. They are now saying we dont get any more chances. I dont know of any rule or guideline that says you cant re-apply for help if your financial situation changes. I think Wells Fargo is making this up and trying to avoid helping us so they can foreclose. Based on their actions in relation to the fake bank account scandal I am not sur prised.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I looked at my Experian credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

Medical payment : XXXX XXXX Account number # XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX amount of {$470.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I bought two currencies, one for XXXX, and one for XXXX from coin base, coinbase.com took the XXXX and XXXX dollar deposits from my bank, and also another for XXXX ( a double withdrawl) which overdrew my account right before I was paying rent. I complained to my bank XXXX, so they started a fraud examination, and returned the money to my account, but now my coinbase.com account is locked by a bot, and i have sent many many emails, and no response, just automated actions that have frozen my account. I have tried to pay the balance to restore my account , but each time I submit for payment, the balance goes to XXXX, and it does nothing.
Product: Debt collection

Violation of my federally protected consumer rights as outlined by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 It has come to my attention that the following accounts, all of which carry negative information, have infringed upon my rights to privacy and confidentiality under 15 USC 1681 : Please remove this debt. 

Company name : XXXX  XXXX Account # XXXX Company name : XXXX XXXX  XXXX Account # XXXX According to the provisions stated in 15 U.S.C 1681 Section 602 A, I have an unequivocal right to privacy that must be respected and upheld by all entities involved in consumer reporting. 
Please be aware that failure to comply with my request may result in legal action to protect my consumer rights and seek approptiate remedies as provided for under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of Delinquent Child Support Payments on my TransUnion credit report. According to the law, federal court rulings have determined that Delinquent Child Support Payments do not arise from a credit transaction and should not be reported on any credit report. 

I hereby request that you promptly review my TransUnion credit report and take immediate action to remove the following entry : Account Name : XXXX CHILDSUP Account Number : XXXX I request that you comply with the law and ensure the timely correction of this error. Additionally, I request written confirmation of the removal of the XXXX CHILDSUP account from my credit report.
Product: Debt collection

Today I received a call from my ex-husband and my mother regarding a company stating they had been trying to reach me regarding a debt. They shared that I was being processed and served for failing to pay on a debt from 2017 with Barclays card. They said that I owed them nearly {$4000.00} and their litigation team would be processing the paperwork. They said that I was contacted by an officer of the court, XXXX XXXX, and the proof that I had regarding my debts being paid in full could only be shown to a judge. They said they had been trying to reach me and that they would be sending the police to serve me at my ex-husbands house and my mothers house. When they spoke to me they continued the same lie. I told them several times that I paid it off. I called Barclays card and although they had some information that had not been pushed through on my account they fully showed that I paid the debt, they happily completed the process and also stated they they did not have XXXX XXXX contact me. They did say they the account was sent to A company called XXXX ( something ) and they in turn had sent it to XXXX. I shared that this was the second attempt at such nasty tactics and that I would reach out to the proper authorities to document this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute this account and never get and answer, this account is not my is fraudulently open.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( 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 TransUnion 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 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX account : opened XX/XX/XXXX XXXX Bal. {$170.00}, XXXX account : opened XX/XX/XXXX, Acct XXXX, Bal. {$2400.00}, XXXX XXXX XXXX  Account : opened XX/XX/XXXX Bal. {$180.00}. Late Payments Account : XXXX XXXX Dates XX/XX/XXXX, XXXX, XXXX XXXX bank dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Inquiries : 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 # ( XXXX ) 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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Association XXXX XXXX removed this fraudulent / unauthorized collection on my report or provide proof of debt in writing within 30 days
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting to all three credit bureaus incorrect information the Date that it was opened is XXXX XXXX XXXX  and its also stating that it was charged off. The company address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have disputed this account over 5 times and they insist that this account is mines and disregarded my complaint about me being a victim of identity theft. This information is inaccurate and need to be removed from my credit report immediately. According to 15USC 1681i ( a ) 1 and 15USC1681i ( a ) 6 ( B ), 15USC1681i ( a ) 5 ( b ).
Product: Debt collection

I have tried multiple times to communicate with I. Q. Data international , inc and have never had any dealing with the company neither do they have any written contracts to verify this debt. I have also paid the debt with hopes to having it removed From my credit report because I am in the process of buying a home They have yet to remove the debt and it's hindering me from obtaining other credit. Please have the companys to remove this inaccurate information immediately. I. Q. Data international , inc Is in violation of multiple fair credit protection act laws.

1681b. Permissible purposes of consumer re- ports 1692b Acquisition of location Information 1692d. Harassment or abuse