23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies, and I am a very concerned consumer. Bankruptcy is reporting on Transunion and XXXX. It is not reporting on XXXX. I called the courthouse in XXXX, XXXX and they stated, they don't report to any credit bureaus or third parties. Reporting this to my credit bureaus is a bankruptcy violation. There are factual errors on my credit report. Transunion is reporting an unverified account with XXXX XXXX, with a high balance of {$1000.00}, they are also reporting that the account is an open status and they're also reporting the pay status as " account included in bankruptcy '' along with a bankruptcy discharge comment. According to 15 US code 1681 A 4 consumer privacy rights, the credit bureaus are committing identity thief by reporting my personal information, without my consent. I've disputed this with the credit bureaus, with no avail. Please remove this information as you are in violation.
Product: Money transfer, virtual currency, or money service

-Money transfer of {$1500.00} via direct deposit to family member 's savings account in XXXX XXXX on XX/XX/2023, via MoneyGram XXXX XXXX XXXX XXXX XXXX CA XXXX 
-Told by MoneyGram to expect money to be delivered at the latest by XX/XX/2023. 
-XXXX XXXX, 2023, XXXX XXXX time, money not delivered. 
-Family member in XXXX has gone multiple times to her bank and no evidence of transaction in process. 
-MoneyGram informed me that investigation opened with case # XXXX and will inform me once item resolved, but it may take up to 90 days. 
-I have sent money, via direct deposit to same family member, into the same savings account, in same bank for years, via other companies and have never have had this issue... ever. 
-Went to XXXX XXXX XXXX who processed wire transfer and she called MoneyGram as well and they could not give her an answer as to what happened. She cautioned me that this is very unusual and to stay on top of it. 
XXXX XXXX XXXX unable to refund me money since it was direct deposit to bank. 
-I have called every day and get same answer : under investigation, may take up to 90 days : meanwhile I am out {$1500.00} and family member could not pay XXXX XXXX on time.
Product: Credit card or prepaid card

I purchased a vacation using my Citicard Mastercard on XX/XX/XXXX for {$5500.00} which was scheduled for XX/XX/XXXX. I had until the end of XXXX to cancel this trip with the merchant which I did on XX/XX/XXXX. I received a verification from the merchant that I would be receiving a refund. It did not appear on my next credit card statement so I contacted the merchant again on XX/XX/XXXX to inquire as to the status. The hotel reservation associated with this vacation still showed my name as a paid guest on XX/XX/XXXX. I did not receive a response from the merchant. When I checked again with the hotel on the date the vacation was to begin, XX/XX/XXXX, they showed my name as a cancelled reservation but I still had no credit on my credit card statement in XXXX or XXXX and at this point the merchant no longer had a website. I contact Citicard 's dispute department and I was sent a form to complete which was done and returned on XX/XX/XXXX. I was subsequently contacted via e-mail by Citicard to gather more detailed information on the matter. I wrote a letter and attached copies of all email correspondence I had with the merchant. I received an email again from Citicard that my dispute had been declined as I had not filed it within the time frame required which, I believe, would have needed to be done within 60 days of the purchase. Since there was 10 months from the time of purchase to the time of the expected vacation, that time frame would have never been met. Citicard asked me to try to contact the merchant again directly ( whose website was now back online ) which I did but received no response. I wrote to Citicard again indicating my attempt to contact the merchant and also expressing my disappointment at their failure to assist me. They re-examined the matter and tried to reach the merchant also with no success. I have been told again by Citicard that my dispute has been declined. I feel that I have been punished unnecessarily as Citicard 's required time for filing a dispute could never have been met. In addition, I tried to resolve this matter for myself before involving Citicard which was of no benefit and unappreciated. If the merchant is not responding to Citicard, it is they who should be penalized. I recognize they also have rights and protections with Citicard ; however, they are not cooperating in this matter and I have provided written documentation and complied with all of Citicards requests in an attempt to resolve this issue. If this was always a matter of failing to file the dispute timely, then Citicard should not have requested information, documentation or action from me from the beginning, much less continuing to do so. My last conversation with Citicard was on XX/XX/XXXX in response to their last rejection of my claim and the representative offered me a {$250.00} payment as a As a result, I feel I should be refunded this purchase.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXXInquiry XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX/Bridgecrest. 
Account # - XXXX I XXXX XXXX, consumer and natural person, am aware of all my rights. Rights protected by congress under the Fair Credit Reporting Act ( FCRA ) In accordance with the Fair Credit Reporting act XXXX XXXXBridgecrest-  Account # - XXXX, has viol

ated 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan AS LATE FOR ANY PURPOSES.
Product: Debt collection

I was sent a threatening letter from navy federal regarding an account that was left with an outstanding balance. They threatened legal action via email & by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification of a reported address change from my identity theft service on XX/XX/XXXX, stating the Equifax had changed my current address to a residence in XXXX, XXXX XXXX. That address is for a home I sold in XXXX and have not lived at since. I currently live in XXXX, XXXX. I immediately filed an online dispute with Equifax on XX/XX/XXXX, and provided my renters insurance declarations page and my electric bill which showed my current address. The confirmation number with Equifax for that dispute is XXXX. I received a response back the same day from Equifax wherein they incorrectly confirmed I live in XXXX XXXX. I filed a second online dispute of the address Equifax shows as my current address on XX/XX/XXXX. The confirmation number with Equifax for the second dispute is XXXX. In that filing, I included copies of my XXXX  driver 's license, my most recent electric bill for my XXXX apartment, the first page of the lease for my XXXX  apartment, the registration certificate for my car in XXXX state, my auto insurance card foXXXX XXXX, and an email from Equifax promoting auto insurance in the state of Washington, wherein Equifax effectively confirmed that they know I live in XXXX. I received the results of my dispute from Equifax about nine hours later on XX/XX/XXXX, wherein they again confirmed I live in XXXX XXXX which is not correct.
Product: Debt collection

My identity was stolen and I need help getting this removed from my name and credit report. I've attempted to contact Caine & Weiner and haven't heard back from them yet. I need this resolve ASAP. This is starting to affect my life very negatively.
Product: Student loan

School was closed due to fraudulent acts hiring unprofessional teachers/ scam. Went bankrupt- left the school because I wasnt getting the materials nor proper education due to scam
Product: Checking or savings account

Formal Complaint : Branch XXXX XXXX XXXX, XXXX XXXX, CA XXXX My wife and I went to the same Bank of the West branch office to open an account with the only purpose of receiving a Welcome bonus of {$250.00} each of us. Total of {$500.00} My wife opened an account in XX/XX/2020 using the code XXXX using a mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA Myself opened an account in XX/XX/2020 using the code XXXX using a mailing address of XXXX XXXX XXXX, XXXX XXXX, XXXX CA We have a proof of address letter from the Bank of the West. 
Now, I did not receive my Welcome Bonus. 
From the very beginning Manager XXXX, and XXXX knew this situation. That is why they let me open an account using a Welcome Bonus Code ( as stated the letter I provide ). 

I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting countless and multiple dispute letters as well as CFPB Complaints demanding to the Credit reporting Agencies to remove the fraudulent accounts and information completely from my Credit File. Despite the actions I have taken, the Credit Bureaus failed to comply with my requests in accordance with the Federal law. The disputed accounts and information that I have been disputing were still being reported on my Credit file. Once again, I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts as well as the information being reported resulted due to fraud and shoould be removed from my Credit file. I do not understand the point of the Credit Bureaus in continuing the reporting of these accounts despite the documents I have been sending to them requesting the deletion of these accounts completely from my Credit File.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute the {$390.00} for over a year now with multiple disputes. I have not received any items from this company. I have asked the company if they can provide me with the tracking number so that I track or see if the item was delivered. LVNV FUNDING LLC has refused to give me any information so I could dispute it with credit bureaus. This company has also added this on my credit report without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XX/XX/XXXX and in XX/XX/XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, Transunion and XXXX. Any question can call XXXX XXXX XXXX at any time. More than a year ago you made the complaint by phone with the case number XXXX and I have not received a reply.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXXXXXX Account name : 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 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 card or prepaid card

I removed an authorized user 2 years ago but she was still in my account today. I tried to add my grandson on XX/XX/19 it won't process because PNC never removed the other person. 
For this and other reasons I will be closing Checking., Savings, PNC every day rewards & PNC cash rewards account. I just need PNC to allow me 2 months so I can contact and change direct deposits from Government agencies.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$2000.00} ; XXXX  XXXX Balance : {$8300.00}.
Product: Mortgage

Our mortgage was sold t o Bayview Loan  Servicing from  XXXX   XXXX  Florida around  XXXX   XXXX . Loan #  XXXX .   For the first 3 months they (  Bayview Loan Servicing Loan Servicing LLC ) h andled everything right. But in  XXXX   XXXX  everything went down hill. This company issued us a   Escrow check to us. Now we have never had a Escrow account. We believe that we need to pay our own Insurance and property taxes, this way we have control of all payments.
We called Bayview and told them this is not our money and we do n't have an Escrow account. Bayview told us to send the check back and we did as told even Certified Return Receipted it. Bayview   received it back and then put it toward payment on  our Loan Account. Bayview then took it off, and then put it towards an Escrow then took it off again, then they put it towards Insurance again had to take it off as we showed proof of Insurance for the third time. We always pay with a money Order every month but Bayview s aid we did n't. Showed proof in  XXXX   XXXX , Then it happened again in  XXXX  and  XXXX   XXXX , Showed proof of payments. In the mean time  Bayview reported to Credit Agencies of Non payment or Late payment or Delinquent. Then Bayview th reatened us with Foreclosure for no or late payments. I had called them every time that our billing statement was wrong  or Credit Agency Report was wrong report. My last call to the Corporate Office and talked with   XXXX   from the ( Customer Advocate Team ) he said I was right on all aspects and the Corporate Office was the one  in DEFAULT this was said to me on  XXXX / XXXX / XXXX  @  XXXX   XXXX  from the number  XXXX . I asked him what they are going to do about our Credit Report and he said nothing and if I ever call to only talk to him as he is the only one working on our case. Then low and behold we get a statement from  Bayview th at they sold our Loan to another Company called  XXXX   XXXX   XXXX   XXXX   XXXX  and not to send any more payments to Bayview.   This is the   4th time our Mortgage has been sold. Seems like every time we catch them in Fraud or Threatening us for Breach of Written Contract they sell us off. We do n't get it.
If your Agency can help others th  at is great.
Product: Checking or savings account

XX/XX/XXXX i wake up to text messages from cashapp saying my number and email had been unlinked from my cash app account I login re-link my number in my email and I watch them get deleted again as if somebody is logged into my cash app from another device doing mess my phone kept me logged in the cash app so I was able to change it back as as this hacker was actively changing my information as soon as cash apps customer service opened I contacted them they advised that I had activated Face ID for security measures which I had done and the issue was no longer pressed skip to XX/XX/XXXX I had just received a paycheck and the following morning I get similar messages saying my phone number had been disconnected from cash app I login to cash app and see that there had been three separate transactions one for XXXX dollars the second for {$500.00} and the third for XXXX transferred to a XXXX XXXX XXXX  account I do not have XXXX XXXX  I contact cash app they told me it would be escalated to the security department XX/XX/XXXX I received an email saying that theres not enough information to file a claim and the fraud so I contact XXXX XXXXt and give them the transaction numbers and the amounts and they tell me it goes to another individuals account name XXXX XXXX and that they are freezing the account for fraud and if cash app to contact them they would sort the issue out I contacted cashapp again and told them all of this they then told me yes it is still not enough evidence to open a fraud case and theres nothing they can do and I need to contact local authorities they hang up on me I contacted local authorities local authorities told me I needed to prove that it was fraudulent and all I can get from cash app is saying three transactions to XXXX XXXX I dont have any numbers so police wouldnt follow report because there wasnt enough evidence they told me to contact my bank my bank is telling me theyre not giving me any information until police submit a request and theyre not submitting a request without enough information even start a report cash app then hung up on me again so Im short {$1200.00} after I prove to them that was fraud I even did their jobs and found out who it went to your contact to the other bank the other bank said they would work with my bank cash app to fix the issue but cash app refuses to do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed disputes with the XXXX, Transunion and XXXX. It has almost been 60 days and I still haven't heard anything from them. Why is it taking so long for them to response to me?
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I recently reviewed my XXXX, XXXX and Equifax credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.
Product: Credit reporting or other personal consumer reports

I found inquiries i dont recognize on my report XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed credit card on my XXXX credit report with late payments that are negatively affecting my credit score. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with XXXX, but have not been successful. I really need and would appreciate some help.
Product: Credit card or prepaid card

The company has refused to accommodate my XXXX and has refused any interactive good faith process to accommodate my XXXX in accordance with the XXXX. 
Each time I asked I was ignored or hung up on. 
This happened over 20 times.
Product: Prepaid card

I have a complaint against Blackhawk Network ( BN ). 

I already submitted the same complaint to BN, but to no avail. The case number is XXXX. 

In XX/XX/XXXX, I could not activate my redemption code ( XXXX ) due an error on XXXX side ( see attachments ). 

After trying many times without success, I called the number shown on the error message, XXXX ( see attachments ). 

A gentleman XXXX customer service agent answered my phone. His name was XXXX ( or XXXX ). He had a thick, XXXX XXXX. 

XXXX said the conversation was being recorded. XXXX then removed the block and manually activated the card. 

I said : Can I use it like a gift cardand give it to someone? 

XXXX replied : Of course, but I need the persons name and address. 

I gave XXXX my assistants name and address, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

The card was successfully activated by XXXX finally. I then emailed a screenshot of the card to XXXX XXXX ( see attachments ). 

On XX/XX/XXXX, a very concerned XXXX called me, saying he could not use the card. 

XXXX said : BN is asking for his drivers license ( a government issued photo ID ). 

XXXX is very reluctant to give out the information on his drivers license to BN because BN is not the police or a banker. 

XXXX and I do not understand why BN is behaving illegally. For instance, blocking the use of the card that a XXXX customer service agent, XXXX, has activated himself, asking for a government issued photo ID, and the like. 

In XXXX, I had a very similar issue with BN. XXXX had sent me an invalid redemption code ( XXXX ), blocking me from using the card. The case number for my previous complaint was XXXX.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Experian data beach below in attachments.
Product: Debt collection

The company, " Pressler & Pressler '', " XXXX XXXX XXXX XXXX '', and/or " Pressler, Felt & Warshaw '' have been harassing me for many years. Keep in mind, this is the same company ; they keep changing their name due to the multiple complaints and backlash for their unethical practices. 
They are telling me I owe them {$6500.00} for a XXXX  credit card that had a limit of {$1500.00} ( back in XX/XX/1993 ). They have already stolen a total of {$2000.00} from my bank account on numerous occasions, and they have filed court orders to take my paycheck. I did NOT enter into any agreement with this company, yet the court allows them to levy my bank account and garnish my wages??? I need this harassment to stop. Please help. Pressler & Pressler have been using unethical tactics against me for years. They have just filed a motion to garnish my wages. I do not make a lot of money. Please help to stop this company from stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX