23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

i had a very bad experience with Money Gram co. 
three days ago i send money from USA to XXXX they ask me for first and last name as required i did provide all the information same as my receiver ID the min i finished they took the money from my account. i checked their web site they said money is ready for pick up my receiver went to their location the next day they told her money is not ready for pick up yet!!!! after three days when she went back they told her we cant give you the money because there is no middle name in her order ( which is OPTIONAL!!!! in their web site you can check it ) AND SENT HER BACK so i, however she has their confirmation e-mail ID matches the first and last name i sent her my confirmation e-mail too.!!!!!!!! so instead of send her back they should notify me when i set up the transaction because the information they requested matches the receiver ID and confirmation ID. 
when i called the customer service here they told we cant do anything for you go online CANCEL YOUR ORDER WAIT UP TO 10 DAYS FOR REFUND AND U CAN SEND BACK THE MONEY WILL BE READY FOR PICK UP IN 3 DAYS. 16 TO SEND MONEY WHICH DECADE IS THIS ITS 2016!!!!!!!!!!!!!!!!!!! 
so either they do n't have the money available at that time or they want to keep it longer. i cant see another reason because i dealt with different co. and this is never happen to me before. 
hopefully you can help me now my money stuck with them i cant get it back before 10 days so i can send it again.
Product: Vehicle loan or lease

They are charging me triple the price for this car. XXXX being charged XXXX for a car with the value of XXXX. My interest rate is way too high. XXXX being charged 19 % interest which is way too high. XXXX in an XXXX down loan with way too much negative equity. The car is barely running and the dealership or any dealership cant do anything about it because of the negative equity. I feel as if I was scammed
Product: Debt collection

Someone opened a account in my name and used the card for sometime. I notified capital one they said its my responsibilities .Capital one agreed to remove account from my credit if I paid it. I agreed and they still have it on my credit report as a charge off. They said it would be settled and paid in full and removed from my credit. Its still on as a chargeoff owing XXXX this is very dishonest. How can a company make you pay an account thats not yours. threaten to ruin your credit if you dont pay and tell you that you can settle and it will be removed from your credit report. I filed XXXX ftc reports. I will continue until justice is served. This is horrible. During covid times are very hard. Please help
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and outrage regarding the presence of fraudulent accounts on my credit report, as reported by your bureau. The accounts are blatantly fraudulent and have been acknowledged as such by the associated banks, which have already taken steps to remove them from their records. Despite my repeated efforts and sending the required FTC report to have these fraudulent accounts removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my credit score and financial standing. It is important to note that the other major credit bureaus, namely XXXX and XXXX, have promptly removed these fraudulent accounts from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The following details are not related to me, and I have no connection to them. I kindly request that this information be promptly removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX I was offered a pre approval of a Visa Platinum credit card From Alliant Credit Union Upon applying and after processing my collateral security ( Application ) I was denied based on my consumer report, which is a violation to consumer rights as I am entitled to equal opportunity.
Product: Debt collection

This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state.

Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Virginia. I am a Texas resident. This company is fraudulent and illegally collecting in the state of Texas.
Product: Credit reporting or other personal consumer reports

15 US. Code 5 16816-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and XXXX and XXXX are in ViOLATION of this law because I am a victim of identity theft. I need the XXXX XXXX XXXX account and all unauthorized inquiries deleted IMMEDIATELY These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 US Code 1683b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I DID NOT OPEN THESE ACCOUNTS! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract. 
2. XXXX {$540.00} ive never done business with this company were answered into a signed contract. 
3. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$160.00} ive never done business with this company or entered to assign contract. 
4.XXXX  {$1200.00} Ive never done business with this company or entered into a signed contract. 
5. XXXX {$1700.00} Ive never done business with this company or entered into a signed contract. 

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX The following inquiries are fraudulent 1.XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Please See Attached FTC Report
Product: Credit card or prepaid card

XXXX Received an email from AMEX advising that my credit limit had been lowered from {$5000.00} to {$1800.00} ( 64 % ). It was strange enough to received this email on a Sunday, but the following added to the strangeness : 1. They reviewed my history with AMEX and Credit report- On-time payments for 2.5 years and my credit score has improved. 
2. The number of accounts with delinquencies-4 ever late 3. Credit limits too high- I just paid AMEX {$4500.00} on XX/XX/21. My utilization went from 98 % to 62 % 4. The length of time you accounts have been established-Oldest 17.5 year and average 4.5 years. 
5. Ratio of loan balances too high- not sure. Maybe recent personal loan to work on my debt. 
6. 6 inquiries in the last 12 months 8. AMEX upgraded me to platinum last month. 
7. I immediately called and was told that I have 2 options- pay {$350.00} by XX/XX/21 and my limit would be reinstated within 30 days or submit income documents for review and my limit MAY be reinstated within 30 days. Rep asked which I preferred and advised me that I should be lucky because not everyone gets this offer. Feels like extortion since they just received almost $ XXXX I don't understand and would like to know if this process is for every AMEX customer or just XXXX  women.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX XXXX XXXX XXXX XXXX  I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account that is not my account from TD Banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, XXXX, and Transunion regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Here are the following banks that are not returning the fraudulant funds that were charged on my accounts. They show the fraudulant charges creditied but I have no access to them and I don't have the money to make any payments. This has been 6 months ago. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX by Mail XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX I was the victim of the XXXX breech and hackers gained access to all of my funds. I have yet to receive any monies owed to me and was hoping that you could help. Thank you in advance for any help you can give me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Product: Credit card or prepaid card

This complaint regards the way Citicard handled the following dispute : We booked four nights at the XXXX XXXX and XXXX XXXX XXXX XXXX for XX/XX/XXXX, 2018. We booked after speaking to the owner over the phone and inquiring as to whether there was any mold in the room we booked, as I am an XXXX  who is highly XXXX to XXXX, and I know that rooms near the ocean can often be damp and moldy. He assured us there wasn't. ( The website also stated that the rooms were XXXX free, ) We paid a deposit and upon arriving paid the balance, though the innkeeper ran our card two times as he thought there was a problem the first time he ran it through. When he took us to the room, there was an unmistakable smell of mold, which immediately led to a reaction. We spoke to him about it, but he claimed that it was not a problem/ Instead of leaving immediately, we told him that we would open the windows, take a long walk, and try to air the place out, but if that didn't solve the problem, we would not be able to stay there. Upon returning, the smell of mold had not dissipated, and we told the owner we could not stay there. We never took " possession '' of the room -- we mere ; y put luggage in the room and then, upon returning from the walk, took it out. We fully had intended to fulfill the contract we had signed, had the conditions been as they were described by the owner and on the website. When we initially spoke to Citicard, they told us they " had our back, '' and, after submitting a dispute, the charges were conditionally reversed. However, when the innkeeper wrote back, all charges were reinstituted, including the double charge that even the innkeeper indicated himself was a mistaken charge in his letter to Citicard. After numerous phone calls, we were able to get the double charge that was no longer in dispute resolved. However, we wrote another letter in response to his letter ( which was full of inaccuracies and outright mistruths ). We received a letter back from Citicard indicating our dispute had been closed and that we would have to pursue other means to get our money returned. Had we lived nearby, we would have sued in small claims court or whatever the XXXX equivalent is to that. However we live over 3,000 miles away. 

Citicard has all the documentation in relationship to this dispute, though I believe, based on their total disregard about the lack of a dispute regarding the double charge, they were going through the motions with this dispute and did not read anything very closely. Instead, they reflexively sided with the merchant and, although I documented what happened in writing and I spent a good deal of time on the phone with them, they ultimately refused to consider the validity of our complaint. After closing the case, and after asking if they could be of any financial help to us, Citicard did refund us {$20.00}  out of their dispute " slush '' fund, but this was at best an empty gesture and at worse an insult of the highest degree. It was the innkeeper, not us, who broke the contract, but we are ones who are out over {$800.00}.
Product: Debt or credit management

To Whom It May Concern, Subject : Urgent Report of Fraudulent Business Practices by CreditIQ Introduction : I am urgently seeking your assistance to investigate and take action against CreditIQ, a company that has defrauded me and potentially many others. I enlisted their credit repair services on XX/XX/2021, and I am filing this report with the police, the Consumer Protection Agency, and the Federal Trade Commission to address this fraudulent activity and prevent further victimization. 

Incident Summary : On XX/XX/2021, I signed up for the Diamond Program offered by CreditIQ, managed by XXXX XXXX. This program was supposed to improve my credit file over three years by removing negative items and increasing my credit score by fifty points. 

Service Details : I paid {$3500.00} for the Diamond Program, which included comprehensive credit repair services over three years. Despite their promises, none of the services were delivered. My credit score did not increase ; it remained flat and even decreased slightly due to unrelated hard inquiries for small business loans.

Failure to Deliver : After three years, CreditIQ failed to remove any negative items from my credit report or improve my credit score. My numerous attempts to resolve this issue with the company, including a direct meeting with XXXX XXXX, were unsuccessful. They refused to refund my money or provide any satisfactory resolution. 

Legal Challenges : Upon consulting several attorneys, I was advised that pursuing legal action would be futile due to the companys extensive history of legal issues and non-compliance with federal agencies. Research revealed that CreditIQ is not a legitimate company and has been involved in multiple state and federal lawsuits. 

Federal Law Violation : CreditIQ also violated federal law by accepting payment before performing any services. Federal regulations prohibit credit repair agencies from requesting or receiving payment before completing the agreed-upon work. I paid {$3500.00} in advance before any work was performed on my credit file. 

Referral Source : I was referred to CreditIQ by XXXX, a reputable real estate company. XXXX hosted a webinar where they endorsed CreditIQ, claiming to have used their services for nearly ten years. Trusting this referral, I proceeded with CreditIQs services, only to be defrauded. 

Impact and Documentation : The lack of service has resulted in a significant financial loss of {$3500.00} and no improvement in my credit score. I have documentation, including the contract, service descriptions, and credit reports from CreditIQ, which I am willing to provide upon request to support my claims. 

Conclusion : I urgently request an investigation into the fraudulent activities of CreditIQ and seek any possible recourse for the financial loss I have incurred. This company has defrauded me and continues to operate in a manner that could harm others. Immediate action is needed to prevent further victimization. 

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

Opened XX/XX/21, Was issued {$1000.00} limit ( credit score hit ), then less than 30 days later my limit was reportedly reduced ( took another credit score hit ) Not happy, process not transparent, would have never started it, adversely impacted my credit standing for what? Where is the adverse action notification when credit limit dropped? Will lodge complaint with CFPB as this appears to be bait and switch!
Product: Debt collection

Referring to complaint XXXX I used to own to an XXXX XXXX ( XXXX model ), which I sold in XX/XX/XXXX to XXXX XXXX  XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). This sale was as part of trade-in while buying a new car from this XXXX dealership XXXX I am now being told that this sold XXXX XXXX was involved in an accident on XX/XX/XXXX and I am being asked by " Lien Enforcement Inc '' that I owe a debt amounting to {$1800.00}. 
I am attaching along the proof of trade-in from the dealership - " Notice of Release of liability '' and " DMV Vehicle Transfer form ''. This clearly provides evidence that starting XX/XX/XXXX, I have nothing to do with the XXXX car in question here. The debt collection company needs to work with DMV to sort out the new owner of this car. They need to stop calling me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes not corrected! Insight - XXXX  cards, etc.As example from current report- '' This item was updated from our processing of your dispute in XX/XX/2020. '' Disputes filed over a week ago unresolved and posted incorrect. Score actually went down. Posting incorrect balances!!!!!
Product: Debt collection

I XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXhey decided they were going to sue me without ever contacting me and somebody called about it the company name was XXXX. I made an agreement with XXXX that they may use my debit card and pay the XXXXXXXX XXXX XXXX it was like XXXX XXXX on XX/XX/XXXX. Instead it showed up in my account on XX/XX/XXXX against what we agreed
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX Balance : {$21000.00} XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX Balance : {$21000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was trying to set up an payment arrangement the rep that told me was the payment schedule and the amount. but i got the bill different so when i called them back they said that their maybe some extra charge after the last payment. i been asking them to sent me contact never have one. i been told totally different. they are rip off.
Product: Payday loan

I have informed Canyon Finance to not contact me every single day. I can make the payment on the next payday and they keep calling multiple times a day to inform me that I owe them money even tho I told them to stop calling me. They have even called my step sister XXXX and I asked them to stop and they call me and all my references even tho I am paying them but the payment is late. Most places will work with you. They intimidate me to take out another loan and call me multiple times a day if my payment is late. I informed them to stop and they have threatened me with statements like, " we 'll just see about that. '' That was when I told them I would report them to XXXX if they did n't stop calling me multiple times a day.
Product: Credit card or prepaid card

XX/XX/2020, Navy federal Credit Union closed my credit card after 4 years. I had perfect payment history for the 4 years the account was opened. I contacted the credit union in regards to their decision to not reissue the card once it expired in XXXX asking them why such a decision was made. I explained to them that I am in the process of purchasing a home and that this action would effect me adversely by reflecting negatively on my credit report. I checked my score today and it dropped 38 points. I was devastated because I know this will prevent me from obtaining the loan and interest rate that I need. I requested an investigation by the credit department and I was told that it was their right and decision to not reissue cards.