23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/10 a fraudulent purchase was made with my XXXX and XXXX XXXX for the amount of {$520.00} at the XXXX XXXX online retailer. I contacted my credit card within an hour of the purchase to report the fraud. They closed that account and sent me a new card. On XXXX, almost two months later, I got an electronic letter stating that my claim was denied because the merchandise was sent to my house. I contacted XXXX and XXXX XXXX XXXX to reopen the case and obtain all the information I needed to file a police report. During this process the customer service representative provided me with the tracking number for the fraudulent purchase that shows that the package was delivered and signed for to a different person at a different address. I have now talked to a handful of customer service representatives that don't seem to understand that they themselves have the tracking number that shows the package was not delivered to my address and was signed for by a completely different person. I also filed a police report on XXXX in hopes that XXXX and XXXX XXXX will understand that this is fraud and I never received the package. I attached screenshots showing that the package was signed for by a different person at a different address.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I used the MoneyGram Money Transfer Service to send {$1000.00} ( a XXXX dollars ) to my sister bank account in XXXX. I have sent money through this company but this time was the first time I send it to a bank account XXXX XXXX XXXX. I followed the directions in their application ( personal information of the recipient ) and where it said to write the bank account number it indicates it is an eleven digit number. I had my sister 's debit card and wrote the last eleven digits of her debit card and the transaction went through. Transaction reference # XXXX. The next day I called my sister XXXX XXXX in XXXX and she told me the money didn't show in her account. On Monday XX/XX/XXXX, I called MoneyGram XXXX XXXX XXXX XXXX to let them know the issue and the person who took my concern was very polite and acknowledged it was a problem with the transaction because I have input the wrong bank account but he said he was going to correct the problem. He asked me for the account number where the money should go and I gave him XXXX 's debit card number ( 16 numbers ). He gave me the case number XXXX and told me the process was going to take 10 working days. He told if I wanted to call Moneygram to make inquiries about this transaction to refer to this case number. After the 10 working days, called my sister and she said the money wasn't there yet. On XX/XX/XXXX, I made two calls to MoneyGram to let them know the money wasn't in my sister account. I explained the situation to the two representatives who took my call and they told me MoneyGram wasn't responsible for the transaction because it showed as complete transaction and they recommended to get the money through my sister 's bank. My sister took the case to her bank XXXX and they did an investigation and they didn't find the money XXXX XXXX case # XXXX ) On XX/XX/XXXX, I called MoneyGram and let them know about the Bank investigation and gave them the case number. On XX/XX/XXXX, I called MoneyGram and let them know about the Bank investigation and gave them the case number. They told me to call them in two weeks to check the status of my case. Today XX/XX/XXXX, called MoneyGram to inquire about the case and the person who took the call told me they can't do anything about it because the transaction its complete XXXX XX/XX/XXXX ) and they can't return the money. This situation its frustrating because they promise they are going to resolve the problem and they just give me runarounds. I have worked very hard for my money to just let it go.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have these unapproved inquiries removed from my credit report within 48-72 hours as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name, social security number and date of birth was given to Early Warning Systems for a {$28.00} dollar over draft balance. I was never notified of the balance even after calling XXXX XXXX XXXX numerous of times asking why my account was closed. All the kept saying was we can't do business with you at this time. Now I'm having a hard time opening up an account anywhere else for {$28.00} dollars. I'm a hard working tax paying citizen that is being taken advantage of and ignored. I submitted a dispute with Early Warning nearly 6 months ago and never heard anything back
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management keeps bothering me on a debt that I dont owe.

{$650.00} or an amount that I dont remember having. Im currently a broke XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a wire transfer of {$3000.00} dollars was sent to XXXX XXXX from my XXXX account to their XXXX XXXX account on the pretense of me renting a apartment after having signed a lease and was assured everything was refundable, I backed out before moving in and have not received the money back. I contacted my XXXX  bank on XX/XX/XXXX and reported the fraud, I received a fallow up email on XX/XX/XXXX saying the the recall was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; DEPT OF EDUCATION/XXXX XXXX ; DEPT OF EDUCATION/XXXX XXXX ;
Product: Mortgage

1. Asked for " Reinstatement of Mortgage, '' dated XX/XX/XXXX from Chase, XXXX. XXXX XXXX, XXXX, Ohio XXXX-XXXX. Total amount to reinstate the Mortgage Loan, as of XX/XX/XXXX, was {>= $1,000,000}, good through XX/XX/XXXX. Also included was a written warning indicating if the above amount could not be paid in its entirety, the amount may increase because of additional interest, fees and costs, including those related to foreclosure activities, Chase Insurance, property inspections and valuations.

2. RE : the {>= $1,000,000} : It is our, ( Borrowers ' ), contention that Chase has built in fraudulent costs PRIOR to foreclosure which include attorneys fees, improper insurance fees, ie : Wind, attorneys fees, corporate advances and other fees.

3. The above noted improper fees have been compounding over the years resulting in a fraudulent improper result/total which is NOT the actual amount owed on the Mortgage. 
4. Further, the Mortgage which was taken out in XXXX and it has remained at 6.5 percent wrongfully compounding to present date. The Borrowers diligently attempted to have the rate reduced to three percent, or less, when that was the going rate during the following years from XXXX. 
5. The Borrowers have consistently pursued " Short Sales, '' but at every turn was faced by the Lender with the Offering price for the house reasoning it was insufficient, late, or the " T, '' wasn't crossed, or the " I, '' wasn't dotted properly. 
6. Chase was giving lip service to the possibility of saving the house, but never was sincerely interested in helping the consumer, particularly as XXXX XXXX proclaimed in one of his speeches. 
7. This Borrower is not eligible for " Chase Modification with Principal Forgiveness, '' because Lenders could not create an affordable payment without changing the terms of the mortgage beyond the " modification 's program 's requirements. '' 8. If XXXX XXXX professes to want to help the consumer then why couldn't he instruct his managers to go the extra distance and try to modify the mortgage program 's requirements which would include lower interest rates, instead of returning boilerplate rejection? 
9. The Borrowers have documents and letters of support for their contentions, but do not know how to download these papers.

10. The Borrower, Husband, is a XXXX XXXX, XXXX  years of age with serious XXXX problems for which he just came out of the hospital. 
11. The Borrower, Wife, is late XXXX and is a three times XXXX XXXX XXXX. 
12. There was a one year hiatus when the Bank after a five year period improperly went back for a third bite of the foreclosure apple and was so rewarded which should result in an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 : I sent letter to the XXXX, Equifax and XXXX  asking them to verify the Bankruptcy and up until now, I never received any correspondence from them. I sent them a letter monthly for follow-up for several times but I haven't received anything from them nor a validation. 
XX/XX/2020 : I sent letter to XXXX XXXX to verify the Bankruptcy that has been appearing on my credit report. 
XX/XX/2020 : XXXX XXXX Responded to the letter stating that the record has been deleted because they were unable to verify the accuracy and on XX/XX/2020, I forwarded the correspondence from XXXX XXXX to the aforementioned 3 major Bureaus requesting them to reinvestigate. Now, I have not received any response from them. Please help me on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and experian they are using my accounts from XXXX  XXXX that has discharged and showing and reporting 90 days late causing my score to drop they have blocked any dispute on line and has not responded to any mail in disputes I sent them possible negative that's was on my report and I reported it to you and it disappeared using language signal to creditors what's type of account it is.using certain words on report I have not paid any thing late since I filed my XXXX XXXX discharge putting loan amounts and showing current lates like I'm recently missed payment latley.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing a collection item on my credit report however I have never had a contract or agreement with the company listed RMB INC XXXX XXXX Account # XXXX {$3200.00} Company has never contacted me in regards to any bill contract or agreement
Product: Prepaid card

I received a {$300.00} Amex prepaid gift card in XX/XX/year>, and I have been unable to find a retailer who will accept the card, online or in person. I have attempted to use the card at various supermarkets, XXXX, XXXX, XXXX, and other retailers and it has never been accepted online or in person - I receive a " declined '' message each time. It is not accepted anywhere online due to the very long expiration date ( XXXX ) and inability to associate a billing address. I do not seem to have any ability to access the funds on the card, which remains at {$300.00} since I have not been able to use the card successfully.
Product: Money transfer, virtual currency, or money service

I have been trying to reach cash app customer service number but it says that you can't speak no one only by email but I have been using that app to file a dispute and I always get the same email back which is this one This is XXXX from Cash App Support, thank you for reaching us and I'm sorry for our delayed response, I completely understand seeing an unauthorized activity in your account can be alarming, but I want you to know I am here to help. 

To begin our investigation, you'll need to provide complete answers to all of the following questions. We can not begin an investigation without all of the following information : 1. What is your legal name, $ Cashtag, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? 

2. What is the date/time and amounts for the transactions that you believe are in error?

3. Why do you believe the transactions were unauthorized?

4. Were you instructed to download any other apps other than Cash App to access the account in question?

5. What is the make and model of the device ( s ) you were logged into when the transactions took place? 

6. Which city & state were you located in when the unauthorized transactions took place?

7. Did you forward or provide any account access information to a third party? 

We will review your account as soon as we receive this information. 

We will never ask you to provide your PIN, send a payment, add funds to your balance, make a purchase, or complete a " test '' transaction of any kind. The best way to contact Cash App Support is through your app. For more ways to reach out, check out Contact Cash App Support here ( https : //cash.app/help/us/en-us/3128-contact-cash-support " Contact Cash App Support '' ). 

If you have any questions or concerns please feel free to reach me, I want to make sure everything is being taking care of. 

Best Regards, XXXX. 
Cash App Support. 

ref : XXXX : ref I always respond with the answers for these questions and then again I get the same lame email again and again but nothing about my case update I have not heard from someone live and pretty upset at this point and hopeless I need my refund my money I need it
Product: Credit reporting, credit repair services, or other personal consumer reports

three inaccurate and fraud accounts have bee reporting under my equifax credit reports, these i have been disputing them for the longest times, XXXX XXXX i never had any accounts with them XXXX XXXX, i have XXXX and as it appears this is a fraud collection agency, so as you can see these accounts are total inaccurate and fraud accounts under my name, please help me to remove these inaccuracies from my equifax credit reports only., than k you for your cooperation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Collection/ closed/ charged off Account Reported by To Whom It May Concern, I am writing to dispute the collection account listed on my XXXX credit report, attributed to Caine & Weiner XXXX Upon reviewing my credit report, I discovered errors in the reporting of this account, including incomplete account numbers and discrepancies in the information provided also it is past the status of limitation of Pennsylvania which is 4 years. 

Additionally, I wish to emphasize the legal requirement for accurate and consistent information reporting by credit reporting agencies, as outlined in the Fair Credit Reporting Act ( FCRA ). All reported information must be complete, accurate, and verifiable, including ensuring that the entire account number is readable and that each reporting agency has consistent information regarding the reported account. 

FCRA Section 1681e : This section requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports. Also, the collection agency has not provided validation information under 12 CFR1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means.

Additionally, the agency has no authority to furnish any account to a consumer reporting agencies without providing any disclosures without providing any disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-5 2 ( 7 ) ( A ) I request that XXXX conduct a thorough investigation into these discrepancies and validate the accuracy of the reported collection account. Please ensure that all necessary steps are taken to verify the information before any further actions are taken regarding this account. 

If additional information or documentation is needed from my end to facilitate this investigation, please feel free to contact me at XXXX or XXXX. 

Thank you for your attention to this matter, and I trust that you will address this dispute promptly and effectively. 

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

On XX/XX/XXXX Volkswagen Credit INC has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on XXXX and XXXX and now they have changed the status to currently open as of XX/XX/XXXX on XXXX. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....
Product: Credit reporting or other personal consumer reports

Transunion alleges that " credit collections '' belongs to me and is " accurate ''. I never had any business with this company a day in my life, Please update my credit report with this company remove asap.
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 XXXX XXXX XXXX : {$50.00}, {$210.00}, {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX, ALL 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 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 INCCURATE
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint and Request for Removal of Improper Charge-off XXXX XXXX XXXX XXXX XXXX I am writing to formally contest and demand a prompt investigation and deletion of improper charge-off entries reported by a third-party collection agency on my credit report. These entries have significantly damaged my financial reputation, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It's important to note that I have never had a contractual agreement with this collection agency. Their reporting of my credit data without a contractual relationship is not only unfounded but also violates several legal standards regarding credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The charge-offs reported, which are effectively claims of debt I have not acknowledged, are listed on my credit report without my consent, clearly breaching established rules of lawful credit reporting. Also know as certificates of indebtedness.

2. **Failure to Provide Form 1099-C** : The agency did not supply me with Form 1099-C for debt cancellation, crucial for correct tax filing and IRS compliance. This failure exposes me to potential tax non-compliance risks.

3. **Violation of Privacy Rights** : This reporting breaches the Privacy Act of 1974 ( 5 U.S. Code 552a ), which offers strict protections against unauthorized disclosure of personal data.

4. **No Contractual Relationship** : There is no formal agreement between me and the agency, making their credit reporting a direct violation of my consumer rights.

5. **Opt-Out Rights** : Per regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am officially withdrawing any implied consents for sharing or reporting my credit information.

Considering these issues, I request an immediate review and removal of these erroneous entries from my credit report, along with written confirmation of this removal. Please be advised that I am ready to pursue further action, including legal measures, to correct my credit information and defend my rights. 
I appreciate your prompt attention to this critical issue and await your swift action and response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX XXXX and also various credit card FICO score which shows that my score is XXXX I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX salary. 

When I went to get Auto loan at XXXX dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the XXXX Loan that I took ). I believe XXXX intentionally showed me a lower score. There is no reason for my score to be less than XXXX. I checked all agencies, credit card FICO scores they are all above XXXX. 

I have a suspicion that the score is manipulated when I seek loan by XXXX financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not filed by Credit Repair Company and this is not a DUPLICATE report. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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. 


XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXXXXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I am dissatisfied with their investigation due to the mismatched information in their reports. The reported entries on my files were not confirmed to be verified, and they have already closed my previously filed complaints after they presented me their invalid records.