23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
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. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$27000.00}, XXXX XXXX Balance Owed : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a challenge letter XX/XX/2019 to XXXX  about an incorrect account on my credit report. I ask XXXX   to investigate the account serval times only to get back that the account is verified or accurate. There's no way the account is accurate or verified. I never received a proper investigation from XXXX. The service address for this account is a place I've never lived or authorized service too. This account is not mines! 

I mailed at least 3-4 times about this matter and I called yesterday and was told there's nothing they can do if the data furnisher deems it accurate? I've never received any proof or letter proving this account as accurate.
Product: Checking or savings account

I tried to login to my account a about 10 days ago and was not able to even though I was providing the correct information. I called the CS to requeat help in changing the password and the cs verified me by sending a text code and changed the password. After which I was able to login. So I logged in and added a bill pay and made a {$1000.00} payment. The next day I logged in and the system could not find me neither the login nor password were correct. I called BMO bank and askwd the reason they told me to go to the branch. I went to the branch and found out that my account was frozen and that a check that I had written before that bounced. The representative at the branch noted my account that I was at the branch and told me that itvwas all she could do. I called BMO and a XXXX lady took over the call and explained to me that my account was frozen. I verified that it was me changing the password and adding the bill pay and asked her what she was investigating if it was all me. She had no answer for me amd when I helloed in the ohone she purposely stayed silent. I called tje second time on XX/XX/year> to fin out when my funds were going to be available as I was operating business she started dodging my question and arguing with me as if I was not allowing her to answer which was her tactic to encite resentment amd anger without further crraborating on the reasons. The password was changed theough fulll verification by cs of BMO nad is documented wirhin their system and there is no need to freeze the account other than her perosnal hatred to my race. It is obvious she is using tactics ro incite and provoke resentement and anger instead of proffesionally explaining the reason or problem. I explained to her that I went to the branch, she answered that there was no need or such request for me to go to the branch even though the first agent that helped me instricted me to go to the branch. I ask her if I verified that it was all me what she was investigating she replied that that was what the draud department for. Basically arguing and showing hatred that she was not there to resolve the problem but to make it as comolicated as sheed deemed necessary. I am not a XXXX hear kid and fully feel and understans that her attitude and treatment towards me is hostile and dicriminative. I am not sure why but is obvious and she doesnt let anybody else handle the sitiation she has a not that only her can solve the issue.
Product: Money transfer, virtual currency, or money service

Hello. My name is XXXX. Transaction time XX/XX/2022. My brother in law send me money from XXXX to XXXX by MoneyGram. We check website of MoneyGram, its show a limit up to XXXX USD and we can take a this money from XXXX. So my brother-in-law send XXXX to me. 
Me and my wife we went to neighborhood XXXX. They say they dont have so much money right now. They advise to us go to XXXX super centre. On the way there we call to MoneyGram customer service. Custemer service told us that XXXX cant refuse to give us a money. However XXXX did refuse us. When I ask to XXXX manager to call a money gram they refuse to do it. I called my self to customer service of money gram they saying something as XXXX should give us a money and if XXXX for some reason cant give money, XXXX manager should call to MoneyGram. After that I ask XXXX manager to call MoneyGram. Manager refuse to call MoneyGram and says he know all the rules and policies. How ever he denied to show me written policies and rules. My wife and I was very upset with manager and we called again to MoneyGram customer service. Customer service told us go to different XXXX. We went to third XXXX. So cashiers in money service of XXXX start working on our request but when she start to take a money from machine. She called to a manager to come over to check our request. When manager came to money service he denied to give us money and saying that system not allowed him to take money out. But cashier already have money on hands. I ask him to call MoneyGram support. He refuse to do it, so I called my self. Customer service of MoneyGram ask to talk to XXXX manager. Manager took my cellphone and on conversation with MoneyGram he refused to say his name and why he dont give a money to us. So we was very upset with him too. After that MoneyGram customer service says that they will do investigation and it will take 90 days, which is bad for us because we need this money ASAP. 
It was about XXXX XXXX  so we went to pickup our daughter from daycare, on the way there we saw on MoneyGram system shows that money status is completed so status is different. Status before was money ready for pickup. 
After that we called a police and we went to the same XXXX to claim a case for this situation. We have a case number and officer information. Officer and my family went to XXXX to talk with manager of XXXX. He gave all his information to officer. Officer cant do anything in that case so just open a case. I need that money because next week of XXXX  I have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX I need pay for it. Also my wife is XXXX. 
There is some miscommunication between MoneyGram and XXXX that make us very struggle and run all day to take that money out. 
However MoneyGram open a investigation and only my brother in law can be informed about this situation. Also XXXX didnt gave us any receipt that we didnt get money. 
My brother in law went to money gram in XXXX, he is saying that in theyre system it shows money was out. And they will inform him in the end of XXXX. 
Please help us a sue MoneyGram. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I believe that my rights under the ECOA have been violated by Synchrony Bank. The bank put a freeze on my account because of their own negligence. The bank lost information that was required in opening of an account that I have had since XXXX. The information in question was my date of birth, which would have needed when the account was opened. 

The following is what transpired, although I 'm not exactly sure of the dates. Between XXXX XXXX and the XXXX, I attempted to register to use Synchrony Bank 's online application. After several failed attempts, I called the bank 's customer service number, explained my dilemma, and the agent looked at the account, and noted that my date of birth was missing. He commented on the fact that the account had been open since XXXX and then asked me to hold. He apparently went to speak with a supervisor, who informed him, to inform me that I would need to fax in a government ID reflecting my DOB. This seemed highly unreasonable to me given that the account was XXXX XXXX XXXX. Synchrony Bank lost the information and it seemed to me that this was simply an attempt to inconvenience me, as opposed to simply accepting the information over the phone. Again, the information was provided when the account was opened, as they would have needed to know that I was of legal age to enter into a contract. Unfortunately, irritation got the best me and I remarked " F @ # k You, '' and hung up. 

Fast forward to XXXX XXXX, I placed an order with XXXX XXXX for {$51.00}. I subsequently got notification from XXXX that the purchase on the card had been declined. As of today XXXX XXXX XXXX ) I have not received an Adverse Action Notice from the bank, nor have I received any correspondence from them informing me of the adverse action that was being taken against my account. 

It appears that this is a game on the part of the bank to force compliance on my part. However, the date of birth was provided when the account was opened, and they lost the information. Therefore, I see no reason to require me to expend an extra effort to get them information which they had, and lost. 

Thank you, XXXX XXXX
Product: Debt collection

Experian  Is reporting a child support case that is almost twelve years old violated my rights under the FCRA ,I’ve disputed this issue on several a cations and I’ve sent certified letters Case was open in XX/XX/XXXX,  certified letter datesXX/XX/XXXX , XX/XX/XXXXAccount: XXXXAmount: XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX sent us to a collection Agency, AFNI ( XXXX XXXX XXXX, XXXX Illinois XXXX ) for a {$930.00} balance stemming from XXXX or XXXX XXXX. ( Account # XXXX ) There have been no attempts to collect this debt. We first saw this item on my credit report as part of a refinance attempt in XXXX. 

( 1 ) we attempted to contact XXXX XXXX XXXX to find out what this debt was for. We remember cancelling the service in XXXX XXXX and returned the equipment at that time using the shipping labels provided by XXXX XXXX XXXX. We have no records of this however, as it occured more than 6 years ago. 

( 2 ) XXXX XXXX XXXX can not provide us with any invoices nor can they tell us what this debt was for. As they stated themselves it was over 6 years ago. We have been told many different things by many different depts. and really got the runaround. They have stated they would try and look in their archives to validate this debt but we have not received any notification of this so far. 

( 3 ) We did reach someone at AFNI and after several attempts to get to their " XXXX XXXX XXXX accounts '' department., A XXXX XXXX XXXX informed us that this debt was for the non return of some equipment and that the balance was {$930.00}. We asked him for the invoices or paperwork to substantiate this debt. He at first asked us to send him an email requesting this ( XXXXXXXXXXXX / XXXX ). When I asked to verify this, he recanted saying, he first would put this account in dispute and then go back to XXXX XXXX XXXX to request them to send me this documentation. 

( 4 ) There have been no attempts that i know of to collect this debt since the XXXX time frame. I have purchased a home, and refinanced twice since this time frame and there was never any delinquencies nor any collection account. A credit report from XXXX can verify this information. I have always paid my bills on time and have never been late. 

( XXXX ) I have been informed by my lender that a dispute of this item would not suffice for the new mortgage. There can not be a dispute notated on my credit report. 

My only options right now are either to dispute this item and delay my refinance or pay this item to the debt collector and then try and seek a refund after my refinance. neither are equitable options. I am seeking your help for a timely resolution to this item. I can not believe a collection item like this would magically appear 6 years after the fact. And I can imagine XXXX not being able to substantiate this debt. Can someone at the CFPB help me with this?
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  Account Name XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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. 

Account name : XXXX XXXX XXXX {$540.00} # XXXX, Account name : Rent Debt Automated {$610.00} # XXXX opened on XXXX, Account name : XXXX XXXX XXXX {$6900.00} opened XXXX XXXX # XXXX, Account name : XXXX XXXX opened on XXXX {$1400.00} # XXXX, XXXX XXXX {$500.00} opened XXXX # XXXX, XXXX XXXX {$1600.00} opened XXXX has violated my rights. 

I looked at my 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 generally, 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, credit repair services, or other personal consumer reports

Equifax did not follow best practices for cyber security, and made my private information public. Equifax then tried to profit off of their mess up by adding different products they sell on their page. Despicable practice.
Product: Debt collection

Portfolio Recovery constantly calls me. I have told them numerous times to stop calling me. They get very rude when you tell them to stop. They spoof the numbers they call from. When you attempt to call them back on that number, someone else is getting my call and has no idea what is going on. This is horrible how they solicit using other peoples information.
Product: Checking or savings account

On XX/XX/XXXX I filed a complaint with the Better Business Bureau against Key Bank. My first complaint was assigned ID number XXXX. From XX/XX/XXXX through XX/XX/XXXX, Key Bank was not cooperative with the Better Business Bureau and the case was closed and the BBB reported the complaint as unresolved. On XX/XX/XXXX, I filed a second complaint with the BBB and the second case was assigned ID number XXXX which was also closed and the BBB listed it as dissatisfied. My first complaint is that Key Bank has not issued my {$300.00} bonus that I am entitled to because my direct deposit occurred within 60 days of account opening and I have a document that states : Offer code XXXX has been applied to this account. My second complaint is that Key Bank has not refunded the {$7.00} fee charged on XX/XX/XXXX and the {$7.00} fee charged on XX/XX/XXXX in which I have an email from Key Bank representative XXXX stating that the fees would be refunded if I called in or came in. On XX/XX/XXXX I came in to the branch located at XXXX XXXX XXXX because that is where XXXX XXXX works and she handled all the email correspondence with the BBB to resolve both of these complaints. However, XXXX XXXX has not yet responded to these complaints even though Key Bank banker XXXX  XXXX called XXXX from her desk to inform her that I was there to address these complaints. I have all the documents and emails concerning these complaints in which I can email or fax for review.
Product: Credit card or prepaid card

I was checking my credit card account online when I noticed that there was Interest charges on my XXXX statement. I usually paid my credit card on staggered basis but make sure that I fully paid the amount due before the due date. In this particular case the XXXX statement which is due on XX/XX/XXXX they said that I was short of XXXX so they charged Interest of XXXX. Again the due date of all the statements are always the XXXX of the following month and payments after the XXXX should be applied to the next statement. In my case I have a payment of XXXX on XX/XX/XXXX & still they applied it to XXXX statement resulting an over payment of XXXX ( this amount includes payments on other dates XXXX. I spoke to certain XXXX & certain Supervisor of XXXX on XX/XX/2019 explaining that underpayment of XXXX is a result of applying the payment on the wrong period & requested to waive the interest charge but they told me that the interest charge is valid & they can not do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian and stated that there was fraud and other incorrect information on my accounts effecting my XXXX credit score and to get it removed they refused to do such by asking for information that is and cant be available and not following fcra guidelines
Product: Checking or savings account

I had hundreds of dollars of unauthorized charges from XXXX. I first tried to deal with XXXX and they only ended up refunding two charges. So I called Wells Fargo and to dispute the charges because they were unauthorized. They were suppose to get back to me in two weeks.. they did not. Just closed the dispute without telling when I was expecting to get at the least a provisional credit. I gave them any evidence and dates they asked for but I was told when I finally called to check on the status that they were not going to do anything about it. My entire bank account was drained.
Product: Debt collection

I followed the directions on the paper work for remittance coupon with XXXX XXXX XXXX 
Was not honored.
Product: Debt collection

I have disputed several times. The account keeps coming back witching a day or two as true. They havent investigated further. This is ruining my life. How can I prove that I am me.
Product: Credit reporting or other personal consumer reports

You are reporting Inquiries that are not mine. You have no proof or nor do you have permission to report such inquiries that are not mine. 
Per 15 USC 1681b permissible purpose it states-Subject 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 instructions of the consumer to whom it relates. 


You are also in violation of the privacy act of 1974
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Loans Opened for supplemental funding of XXXX Studies : Loan 1 : {$6200.00} ( Paid in full XX/XX/XXXX ) Loan 2 : {$2800.00} ( Paid in full XX/XX/XXXX ) As of XX/XX/XXXX my credit report still shows the following debt : Account # : {$6200.00} Account # : {$2800.00} I have taken out multiple loans with this incorrect debt impacting my credit score and available interest rates. Discover has been reporting invalid debt for over 4 years.
Product: Student loan

I've already tried to work with Navient on repaying my student loans.. I'm XXXX sick of them ... they are horrible! I can't afford {$200.00} plus dollars a month for payments. I need my payments lower. They are not trying to work with me!! And why is it that the federal government allows them to take advantage of people trying to repay student loans. I feel like you all want us to live in poverty!!! Come up with a way that allows me to lower my payments!!! This country is absolutely horrible because of the way we are treated over student debt.!! For the record I will always give them a low rating because they don't work with individuals repaying student debt. Student loans were created by XXXX!!