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

On XX/XX/2023, I have sent {$250.00} to XXXX XXXX XXXX XXXX  account and the money has never been available. I have contacted Moneygram multiple times and they told me that the money was available but the receiver, XXXX reportedly stated that the money has not been available because the money never lands in her account. I have contacted Moneygram multiple times and the Moneygram did not resolved my issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Home Equity Loan. Loan # XXXX Back in XXXX of 2020, I was impacted by XXXX and applied for a HELOC extension in XX/XX/2020, I spoke with both XXXX and XXXX ( representatives at XXXX  ) about the extension and I was told that the application was submitted and I would receive an email. However after waiting for about 2 to 3 weeks I found out that was not the case and had to reapply, which wasted valuable time. 

The email containing the approval arrived on XX/XX/2020 but by that time I was already 34 days late, I found this out recently because I had to pull my credit report due to a fraud issue and found that I was reported late by XXXX XXXX, after having the loan extension agreement in place. 

I have tried calling the customer service center several times, but due to high call volumes and long wait times, I was not successful in actually speaking to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX , am verifying that I XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Money was fraudulently withdrawn from my son and my account true some app. We call the fraud department and they took all information and reimbursed the money originally. They make us close the account and reopen new one. XXXX months later they send me paperwork and withdraw the money from my personal account. They said that they investigated and they decided that money was owed to this people. My son doesnt use that app at all and doesnt know any of this people. We have been working with Bank of America for XXXX  years. Have many accounts there even business. And also his girlfriend had money withdrawn from her business account XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The Car which was Finance was already sold due to a reposesson the original amount was not {$27000.00}. the amount that is showing on my credit report is incorrect. It is showing an incorrect amount for the full finance amount and is showing derogatory. The amount that is showing the outstanding balance however I was never made aware of what the car was sold for so that outstanding balance was never authenticated.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX, as credit reporting agencies, are in violation of codes set by Congress and rules set by the Consumer Financial Protection Bureau regarding the following inaccurate information : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX Equifax, XXXX, and XXXX, as credit reporting agencies, are in violation of codes set by Congress and rules set by the Consumer Financial Protection Bureau regarding the following inaccurate information : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding exclusions on consumer reports states that a consumer report does not include information solely as to transactions or experiences ( charge off status, payment history ) between the consumer ( Me ) and the person ( Equifax, XXXX, XXXX ) making the report. IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income. According to the Consumer Financial Protection Bureaus Key Dimensions and Processes in the U.S. Reporting System paper, it states in section 2.2.1 ( 2 ) that credit reports do not contain information on a consumers income or assets. These charged off/canceled debts are inaccurate information as income is not to be included on a credit report. I have included attachments from the pages of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), IRS Publication 4681, and the Consumer Financial Protection Bureaus Key Dimensions and Processes in the U.S. Reporting System paper containing this information. I have also attached the credit reports from each credit reporting agency containing the inaccurate information. This is an explicit notice to immediately delete these inaccurate entries.
Product: Student loan

I am trying to get into my XXXX XXXX XXXX account but none of my passwords work. I tried repeatedly to change my password but to no avail. I then called the XXXX XXXX number and was told by message ( not a human ) that my loan was being serviced by another institution and gave me the telephone number - XXXX. As of now, I have been on hold for XXXX hour and XXXX minutes ( and counting ). I need to get into my student loan account to figure out how to proceed with my student loan and I am at a complete loss as to how to go about that. 

I found this on the web : The Department of Education has announced that MOHELA will be the new point of contact for participants in these programs. The switch from XXXX to MOHELA will likely happen for you later in 2022, according to the department, but you can check your loan or grants transfer status on MOHELAs website. No other changes will take place regarding your loans or grants. 

When I went to the Mohela 's embedded website I got this message : XXXX - File or directory not found. 
The resource you are looking for might have been removed, had its name changed, or is temporarily unavailable. 

Please help me access my loans. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

A recently run credit check ( XX/XX/18 ) revealed that there was an open credit card through XXXX XXXX/XXXX XXXX XXXXXXXX. I've contacted by XXXX XXXX XXXXr, as well as syncrony bank  today ( XX/XX/18 ), and neither have any records indicating that there is an open account under my name/SS #. They both suggested that I report this to the credit bureau. 
Please assist and advise. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus have been notified XXXX  times prior to me notifying you, but I do not work for XXXX XXXX and I am self employed, My company is not XXXX contractors, but neither one of these are allowed to be on the report and these must be removed. 

I own " XXXXXXXX XXXX XXXX XXXX '' This is the only name that will be allowed to be displayed on the credit report. 
I Started this company XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

My ex girlfriend XXXX XXXX used my identity to purchase and use under my name.
Product: Payday loan

I took a loan online with Big Picture Loans for the amount of {$400.00}, I have paid till now {$800.00}, they have been charginger me {$200.00} every month for finance charges and noNE of this goes to the principal. I am not able to make this payment anymore. I 'm retired and thought that from this {$200.00} a month something will go to the principal, but this us not the case. Please stop these companies from abusing the people. THANKS!
Product: Mortgage

TO WHOM IT XXXX CONCERN, I HAVE NOT BEEN ABLE TO GET A STRAIGHT ANSWER FROM PHH/NEW REZ I KEEP GETTING THE RUN AROUND AND WRONG INFORMATION. ON XX/XX/2023 I EMAILED PHH/NEW REZ ABOUT THE ISSUE THEY RESPONDED WITH THE FOLLOWING : Important Account Information Inbox Relationship Manager Fri, XX/XX/XXXX, XXXX ( 5 days ago ) to XXXX Dear XXXX, Our record shows that the foreclosure process has been suspended as of XX/XX/2023. We have forwarded this request to the Office of the Consumer Ombudsman for additional review. The Office of the Consumer Ombudsman is researching the request and a response will be provided shortly. Please allow time. 




HOWEVER I SPOKE WITH XXXX XXXX TODAY AND THEY HAVE THE FORECLOSURE AUCTION SET FOR XX/XX/2023. I AM VERY CONCERN ABOUT THE SITUATION AS I CAN LOOSE MY HOUSE. PLEASE HELPD ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1692g, my rights have been violated under both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) because Experian has continuously allowed XXXX to report erroneous information on my credit bureau report that I repeatedly disputed. This is abuse and harassment and a direct violation of my rights as a consumer. 
XXXX is pursuing me for a {$320.00} early termination fee because they claim was locked into a 2 year agreement. An agreement that I vehemently deny and XXXX can not furnish proof for. Surely, they would have captured my consent to a two year agreement in some form be it verbally, written or electronic and they have failed to produce it. The burden of proof is on XXXX and they need to provide proof that I was aware of and in agreement to a two year agreement otherwise this disputed erroneous information needs to be removed from my credit report immediately. 
My FICO dropped 46 points once this erroneous adverse information from XXXX was reported to Experian and I demand that this information is removed from my CBR so I can be made whole again.
Product: Debt collection

A company by the name of XXXX XXXX XXXX said they purchase a debt from XXXX  and they have been harassing me non stop. Today they cursed me and say they would come to my house ... .I told them if they were legit sue me and not contact me but instead they keep calling. There number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because Equifax is reporting that my highest balance XXXX $ and XXXX  is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately
Product: Debt collection

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR MIDLAND, CREDIT MANAGEMENT, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC. to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person.
Product: Credit card

I opened a Amazon synchrony bank, credit card and opted in for card security protection XX/XX/XXXXXXXX  in which I was charged for this service 1.66 % of my monthly balance I opened the account years ago. They are not honoring the card security in which I paid monthly for. They are suppose to cover up to XXXX of my balance. synchrony is dragging their feet and not moving forward with the benefit request, but are suing me for the balance of XXXX cost, and which I had paid for the card protection program close to {$22000.00} + they are not honoring the service that I paid for even after filling out additional benefit request forms Synchrony bank is moving forward with a judgment against me. I requested all statements to be mailed to me and them to honor the program. They are not. I have disposition for court XX/XX/XXXX.
Product: Credit reporting, credit repair services, 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. 
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 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

On XX/XX/XXXX, Yamaha Finance Corporation reported that I was 60 days delinquent on a XXXX balance because the balance was satisfied in XX/XX/XXXX through my insurance company XXXX. My credit score dropped substantially. On XXXX XXXX rectified my credit score minus XXXX points by finding my dispute true. The account is closed. My credit score increased minus the initial XXXX points I had before Yamaha 's claim on a XXXX balance. On XX/XX/XXXX, Yamaha reported that I was now 90 days late on a XXXX balance, and again my credit score was dropped by XXXX, who just verified that I was proven innocent of no delinquency with Yamaha. Yet, XXXX still dropped my score for being 90 days late on a XXXX balance by XXXX points again for no payment now 90 days late on a XXXX balance. How does this work? Please help me with this. Cleary Yamaha is dinging my credit report for me being late on not paying a XXXX balance. How can this happen? How can I lose XXXX points for not paying on a XXXX balance?
Product: Credit reporting or other personal consumer reports

I understand that only hard inquiries made without my consent are eligible for removal. To that end, I affirm that I did not authorize the above-mentioned inquiries and request that they be investigated and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

I did not authorize this and it is fraud. My account # debit card .My government direct deposit was stolen out my account that was Deposited between. XXXX XXXX XXXX. I was told by customer service on XXXX a transfer of XXXX at XXXX XX/XX/2023 XXXX XXXX XXXX XXXX then another XXXX XXXX XXXX restaurant in XXXX XXXX XXXX XXXX XXXX This was me Im in Michigan and I didnt travel to XXXX XXXX  XXXX My username and password has been Hacked. I have been a customer for years and I believe you can rectify this matter immediately. I was left a balance of XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN DID NOT INVESTIGATE CLAIMS THAT WERE BROUGHT FORTH BECAUSE XXXX WAS XXXX  FOR 17 YEARS AND ACCOUNTS WERE OPENED DURING HIS XXXX  AND EXPERIAN CLAIMED THOSE ACCOUNTS WERE VERIEFIED. PLEASE SEE SUPPORTING DOCUMENTS.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I am going to attach a copy of the investigation request my wife and I sent to Equifax on XX/XX/XXXX. Over thirty days have passed, and we have not yet received a response.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD ONE LATE PAYMENT ON AN ACOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPOT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUN ACCURANCY. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENT WERE LATE. IF PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS. 











Update the account to paid on time and never late. or remove it from my consumer report.