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

On XX/XX/XXXX, I made a International money transfer at XXXXMoneygram to be sent to XXXX. My receiver was to be sent XXXX dollars. I was provided a reference number once this was completed. 
When my receiver was visiting the XXXX in XXXX to pick up the funds, they let them know that the amount was too much for this one transaction. Because of this Moneygram updated the transaction as completed, saying the funds had been picked up. 
I called Moneygram and let them know that the receiver was unable to receive the funds and to allow it to be redone. They left a note on the transfer that XXXX XXXX would need to call Moneygram to verify the transaction once the receiver was at the store again. 

They tried to pick up the funds again but XXXX XXXX informed the receiver that the funds had already been picked up. I call Moneygram again to let them know of the situation and try to cancel this transfer but they let me know that they would need to start a investigation to see what happened to the funds. I asked if there was a receipt generated at the time the funds were picked up and they said they had no receipt showing. How can that be transfer is showing funds were picked up if there is no receipt at the time of pick up? 

I am filing this complaint in the attempt to recoup my funds since Moneygram indeed still has my money in there system. 

Any help would be greatly appreciated. Thank you!
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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

The XXXX XXXX XXXX  is the original account holder Spring oaks is attempting to collect the debt. The account is being reaged an the amounts are different on XXXX XXXX XXXX. The dates the account was opened & closed are different as well Also all different last date of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 Section 604A Section2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, I am a victim of Identity Theft. I've contacted XXXX, XXXX and Equifax to remove all unauthorized inquiries that are listed below. 

XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i received a email from Experain stated that a new account was open on my account from XXXX XXXX card that i did not approve i called XXXX and had the card cancelled, and also there are a few inquires i did not approve nor have knowledge of so i filed a claim with XXXX XXXX attached XXXX, XX/XX/XXXXXXXX  *XXXX  XXXX, on XX/XX/XXXXXXXX  XXXX, XX/XX/XXXXXXXX  *XXXX, on XX/XX/XXXXXXXX  XXXX, on XX/XX/XXXX *XXXX XXXX, on XX/XX/XXXX
Product: Credit reporting

TO : Equifax - I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be XXXX days or XXXX years. Please correct my years of credit to 10-years, 2-months. 

Also, I have attached my latest email to Equifax for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXX ] Account Number date : [ XXXX ] Reason : [ not recognizing the inquiry today but Im willing to remove ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.
Product: Debt collection

This debt recovery business contacted 2 relatives ( embarrassing/humiliating ) and left a message for me on the very same day. I do think the individual said her name was Mrs XXXX (? ). Phone : XXXX ext. XXXX Left message for my sister in laws. Totally embarrassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Date : XXXX XXXX 2017 Report # XXXX Experian has on XXXX XXXX XXXX XXXX showing {$1900.00} as written off I need from from Experian from XXXX XXXX XXXX XXXX there was {$1900.00} written off. 

This car was traded in on another car with the title.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

After reviewing my Credit Report I call XXXX XXXX XXXX XXXX XXXX about a collection on my credit files they and agreed that if I paid the XXXX owed XXXX 2016, they would delete the collection files from all Credit Reporting Agent however, that have not happen to this day XXXX XXXX, 2016, their excuse : On XXXX 2016 the said I would have to wait 30 days, On XXXX 2016 the said I would have to wait 30 days, Now XXXX 2016 I was told now I will Have to wait until XXXX 2016, albeit, the said they have informed all Credit Reporting Agent to delete my collection files as promised. However, Equifax stated the last communication they had with XXXX XXXX XXXX or XXXX XXXX was XXXX XXXX, 2016, and it was not to delete any files.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I was notified that there was a hard check on my credit, I did not authorize this action. I contacted Capital One and stopped the credit card application. This occurred on XX/XX/24.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit card or prepaid card

In XXXX of XXXX I noticed Comenity bank added two extra interest charges to my bill. No explanation. The interest charges just showed up as : XXXX  XXXX and XXXX  XXXX. I sent messages to XXXX but no one would clarify for me what these were. I called XXXX and spoke with XXXX on XX/XX/XXXX and she could not explain it either. 
Interest charge calculation Your Annual Percentage Rate ( APR ) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement. 
TYPE OF BALANCE APR BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE Purchases 24.24 % ( v ) XXXX ( DA ) XXXX Cash Advances 29.99 % ( v ) XXXX ( DA ) XXXX XXXX  XXXX 29.24 % ( v ) XXXX ( DA ) XXXX XXXX  XXXX 27.24 % ( v ) XXXX ( DA ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to usc 1681a under exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Consumer meaning individual ( me ) and person ( means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ). I would like to have the late transactions removed from my report immediately. Milestone  late payments I would like removed.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX Account Balance : {$11000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   I am NOT   XXXX   customer.     I am not   XXXX   customer and I do n't remember I ever registered with  XXXX , IF I did I do n't think I will share with   XXXX   with my personal information like " STUDENT LOAN THINGS with  XXXX        XXXX   provided my personal financial information a widely with third parties without my permission.     I contacted   XXXX   this morning  XXXX   XXXX   XXXX  to dispute all my credit history from his page. " When I Contacted  XXXX  and requested a dispute my credit report,  XXXX  asked me security question " like how much student loan do you have, and who is the loan provider?     The   XXXX   NOT my student loan lender, this not   XXXX    business, and aga in I do n't remember I did share my student loan information with   XXXX  , again I dont want to share my student loan information with   XXXX   so I refused to answer   XXXX   XXXX   security QUESTION which related to with my personal financial informations. And  XXXX  said " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. '' TRANSUNION  I a m NOT TransUnion customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request TRANSUNIION to dispute my credit history from the TRANSUNION website.      XXXX    I am  XXXX  customer.
I am request  XXXX  to dismiss my OLD credit history from his webpage. Especially olds one NO good for my future   business.      XXXX  provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request   XXXX   to contact me first before provide my credit history to THIRD parties
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX BankruptcyXXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the code 15 U.S. CODE  1666B Im entitled to get the following accounts cXXXX XXXX XXXX XXXX late payments removed XXXX XXXX/dept of ed removed
Product: Debt collection

Recently received a letter from my mortgage company XXXX, saying that Trinity Financial Services LLC is attempting to authorize themselves on our mortgage account. I didnt know what this company was and started looking into it. I found that they filed a foreclosure against us as too. I never heard of this company before and never applied or gotten any loans from them. I havent received any communications before them filling the case either or even the service of lawsuit. I filed a police report and sent Trinity Financial cease and desist letter from attempting to access my information that they are not entitled to. Today I received another letter from XXXX  that another request for third party authorization was sent to them by Trinity Financial Services again. It seems that this company has my private information and is using it for fraudulent purpose. It seems that they are ignoring all the rules and continuing to attempt to get the information. In summer of 2019 I had some charges assessed on my XXXX  mortgage account. When I called them to ask about it, they told me that it was the charge for the payoff. I have never ordered the payoff. I have requested a copy of it. The form that XXXX  sent me had a phone number listed under the requestor. When I searched that number, it came back as the number registered to Trinity Financial Services. This company seems to employ illegal methods to steal my house. Please help.
Product: Credit reporting or other personal consumer reports

Opt-In Documentation : As required by GLBA, I requested documentation confirming that I have explicitly opted-in for the sharing of my non-public PERSONAL and FINANCIAL information to XXXX XXXX & XXXX XXXX XXXX.This includes any initial notices provided to me at the establishment of the customer relationship. 


Provide any written CONTRACTS & DISCLOSURES or agreements between myself and XXXX XXXX and XXXX XXXX XXXX explicitly granting permission to share my non-public PERSONAL and Financial information. 

Signature Confirmation : Furnish any documents bearing my signature, confirming my explicit consent to data furnishers ( OPT-IN ) the sharing of personal information. 

Both companies+your company has violation the GRAMM LEECH BILLEY ACT ( GLB ) it is a federal consumer protection law.
Product: Debt collection

I set up my payments with them at the beginning of XXXX, the lady I spoke with was very nice she gave me a compliment and she was helpful with giving me details. I called in today XX/XX/XXXX to cancel my payment for the XXXX and start back on the XX/XX/XXXX. The man I spoke to today XXXX XXXX was very rude. He asked me a questio I felt was somewhat discriminating but more so belittling. He said, are you going to make the pmt at all. I stated before he said this I want to cancel my pmt for the XXXX and resume on the XX/XX/XXXX. He was rude was not explaining himself. All he said was I will update and document this. I felt as if he was trying to belittle me as if I am not going to pay it or I don't have any money to pay it off. I spoke with the supervisor and I let her know what happened she said I heard him and all he said that he was going to update it. The reasoning for my review is because I am not use to companies speaking to me the way the XXXX XXXX and the supervisor spoke with me. I was rude back because they did not care what I was saying. If you could play the first phone call I had with the company and the phone call I had today, you would know what I am talking about. I do work for a XXXX XXXX myself and I know all of the practices and regulations you have to follow to pass compliance. I would say that if XXXX XXXX or the supervisor at RA Rogers in Maryland came to my place of work, neither one of them would last a month here. This is the main reason why people hang up or feel some type of way about collections agency. Collectors is branded as rude and irritating people calling consumers phones. I look at collections as helping the future of consumers credit or making them aware of something they possibly let slip through the cracks.
Product: Debt collection

I do not know what company this is or was provided any service by this company or not
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with t
he disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.