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

On XX/XX/22, I requested a transfer to {$2200.00} to my sister-in-law XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A fee of {$26.00} was charged on the transaction so the total amount debited from my checking account was {$2200.00}. The transfer was accepted by MoneyGram and the money was sent to the bank or agent in XXXX XXXX. 

When my sister-in-law went to pick up the money at the bank or agent in XXXX XXXX she was told that transfers in excess of {$2000.00} were not allowed and therefore they could not give her the money, not even {$2000.00} of the money. 

I contacted MoneyGram and asked if they could reduce the transfer amount o {$2000.00} and credit {$200.00} back to me. I was told that this was not possible, that the only option available to me was to cancel the transaction and do it over again. I was also told that I would not be refunded the {$26.00} service fee. 

MoneyGram holds themselves out as the expert in money transfers and they should have known of the {$2000.00} limit on transfers and prevented me from attempting to make a transfer for an amount greater than this, but they did not prevent me from attempting this. 

I believe that MoneyGram had an obligation to inform me that transfers in excess of {$2.00} are not allowed and they should have informed me of this, and they should have prevented me from executing this transfer. Therefore, they should refund the {$26.00} fee to me. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the reporting of a charge-off from POSSIBLE FINANCIAL, account number XXXX, ** on my credit report. I believe this information is inaccurate and/or unverifiable. As per the Fair Credit Reporting Act ( FCRA ), I have the following concerns : Inaccurate Reporting ( FCRA, Section 1681c ( a ) ( 4 ) ) : The charge-off from POSSIBLE FINANCIAL appears to be incorrect. Under the FCRA, credit information must be reported accurately, and charge-offs should not remain on my credit report for more than seven years from the date of the first delinquency that led to the charge-off. I believe this charge-off has exceeded this time limit and should be removed.

Lack of Verification ( FCRA, Section 1681i ) : I have disputed this charge-off and requested verification from POSSIBLE FINANCIAL and the credit reporting agencies, but no sufficient documentation has been provided to verify the debt. As mandated by the FCRA, if the creditor can not verify the debt within 30 days of my dispute, the charge-off must be removed from my report. 

Failure to Correct Inaccurate Information ( FCRA, Section 1681s-2 ) : POSSIBLE FINANCIAL, as the furnisher of this information, has a legal obligation to report accurate data to the credit bureaus. Since this charge-off has been reported inaccurately, I am requesting that it be corrected or removed in compliance with the FCRA.

I am requesting your assistance in investigating this matter and ensuring that the inaccurate charge-off from POSSIBLE FINANCIAL is either verified or promptly removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a credit card with Barclays Bank This report on my credit file is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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: Payday loan, title loan, personal loan, or advance loan

Started receiving calls from National Credit Adjusters around XXXX. One of my creditors transferred the account to NCA. I asked for a debt validation letter from the original creditor. I asked for payment history from the original creditor, but have not received either. I contine to receive 3 to 5 calls a week from NCA. I've asked for the creditor to stop calling snd and only respond by mail. I have yet to receive the requested information.
Product: Credit reporting or other personal consumer reports

During 2024, my credit score was dropped around XXXX, XXXX about XXXX points for no reason. 
For some how, XXXX XXXX uses Experian which not sure is a legit one!!! 
Experian used by XXXX XXXX and XXXX XXXX is more accurate!!! 

Also, my credit history was changed instead from 18 years+ to XXXX and XXXX year old as poor credit history not sure who did that?? 

Looking forward for your help and keeping my credit up-to date.
Product: Mortgage

There is delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.
Product: Credit card

I initially contacted Citi Bank to cancel my AAdvantage Platinum credit card since I was no longer using it and they were charging a {$99.00} annual fee. The representative informed me that rather than cancelling the card and impacting my credit, I could just downgrade to the AAdvantage XXXX credit card so that I could retain the credit line while avoiding any annual fees. A month and a half later I receive a {$99.00} annual charge associated with the Platinum card on my XXXX card statement, so I contacted Citi Bank customer service to have this resolved and was informed that the fee would only be refunded after 51 days, and to avoid any late payments affecting my credit history, I would need to pay the {$99.00} first, then they would refund it in 51 days, and after a few months of no usage they would eventually cut me a refund check. 
XXXX ; If I would've just cancelled my credit card in XXXX I could have avoided this mess, now I will need to pay {$99.00} annual fee for which I am receiving no benefits, and wait approximately 3-6 months before Citi Bank decides to cut a refund check, all to avoid a negative mark on my completely clean credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ;
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint against System and Services Technologies , Inc. for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus.

I received a collection notice from System and Services Technologies , Inc. regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with System and Services Technologies , Inc . I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that System and Services Technologies , Inc. had the legal right to collect the debt.

Despite my request, System and Services Technologies , Inc. failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt.

Furthermore, System and Services Technologies , Inc. did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations.

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that System and Services Technologies , Inc. immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law.

Thank you for your assistance in resolving this matter.
Product: Debt collection

I received an email from a MRS BPO LLC on Friday XX/XX/XXXX of 2024, I will attach screenshots, of some debt I supposedly owe to XXXX, which I already just filed a complaint against XXXX too on here thru CFPB. 

First off I do not owe XXXX anything, I switched cell phone providers last year in XXXX, so I did not use their services And second how is this company going to contact me to collect on some debt I dont even owe that XXXX has already had reported to the credit bureaus on my credit file!? 

This company needs to cease & desist any & all forms of communication with me now
Product: Mortgage

I lost my job of many years in XXXX 2016, my wife and I began living off our savings and making our mortgage payments to South Pacific Financial from a account which was depleting fast. In XXXX 2016, I contacted my lender for mortgage assistance wherein, I completed a application and sent it in along with the documentation requested. In a letter dated XXXX XXXX, 2016 I received a denial for not being in imminent default. My current employer pays me Per Diem although my wife is still working our household income has been affected by this. My entire savings is less than {$4000.00}, currently I am using over 50 % of my income to pay my mortgage I can not go on. On XXXX/XXXX/2016, I sent documents to XXXX XXXX XXXX the supervisor to support our need for mortgage assistance and to appeal their prior denial, On, XXXX/XXXX/2016, a email was sent to XXXX XXXX following up on the status of my appeal, I heard nothing. When I contacted South Pacific Financial on XXXX/XXXX/2016, I was told that my documents never reached anyone within South Pacific and my denial stood. This is outrages! I am fully aware that the XXXX program ends on XXXX/XXXX/2016, I believe that my documents were held on purpose hoping that I miss the deadline. However, I contacted South Pacific executive office, specifically, XXXX XXXX XXXX who stated that he would look into the matter. Below is the message sent to XXXX XXXX on XXXX/XXXX/2016 : XXXX Good Morning XXXX, Thank you for reviewing these borrowers in order to confirm their status as being in imminent default. Please find attached documentation which supports the employment status of both borrowers past and present. The attachment includes their entire savings and checking accounts as it stands currently, I am sure you and or your underwriters will concur that these borrowers are unable to continue to pay the current mortgage and are eligible for mortgage assistance. 
Thank You XXXX There has been absolutely no communication from XXXX XXXX or from South Pacific regarding our appeal for mortgage assistance.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of identity theft. Several fraudulent accounts and unauthorized credit inquiries have been identified on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I formally request the immediate blocking and permanent deletion of the following accounts and inquiries : Fraudulent Accounts : 1. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DOE XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXXXXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Unauthorized Credit Inquiries : XXXX. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent debt validation letters and disputes to RENTDEBT AUTOMATED COL in regards to a collection amount of XXXX. The Date Last Active and the Last reported date are inaccurate. According to 15 U.S. Code 1679c. I have the right to dispute. The account is still on my credit report. I would like for this matter to be corrected or deleted.
Product: Credit reporting or other personal consumer reports

This company indulge in other businesses notes at less then 60 % or more from original loan and try to make millions out of thousands. This people bought note of my XXXX XXXX loan for secured equipment finance my business failed to pay XXXX XXXX due to XXXX in 2020 and I was making small payments after this crooked company took over and then I defaulted because i got XXXX XXXX XXXX XXXX could not work and I requested more time to pay but to my surprise they hired an attorney in Florida who have only XXXX XXXX reviews who seems to be dishonest like this people and he was negotiating with my debt consolidator and in background started court proceeding and without summon or notice to me he got judgement and now trying to Garnish my personal account. A simple example will explain my situation when you buy car on finance and if you default they reposes the vehicle and same thing i told this XXXX People that business failed and I have this equipment which was originally financed by XXXX XXXX which is secured finance against the equipment but they refused to take back that XXXX XXXX  which is still I have it in my possession. And they sued me for the business went in loss and closed due to XXXX the debt of {$6000.00} they got judgement of {$30000.00} AND ON TOP OF THAT THEY HAVE PUT {$24000.00} AS COLLECTION ON MY XXXX XXXX CREDIT BUREAU they went all out to destroy me their intentions is not to collect money but getting big Judgements and recover big money from their insurance company This company have many similar complaints on XXXX XXXX XXXX XXXX site which proves this company is doing wrong and damaging individual and small business and families with wrong reporting and judgements
Product: Money transfer, virtual currency, or money service

I invested XXXX of insurance money from an injury they then locked account and took funds wont let me access or get back nor will they give a reason. RobbinHood hood steals from the poor to make themselves rich.
Product: Debt collection

MEADE & ASSOC # XXXX has reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was XXXX XXXX XXXX. This is a error and needs to be updated.
Product: Debt collection

In XX/XX/XXXX, FCR Services ( XXXX ) contacted me by letter about a debt collection. I sent certified mail back to FCR Services saying that I dispute the debt and requesting verification after which FCR Services stopped calling me and never provided verification. In XX/XX/XXXX, FCR Collections started calling me repeatedly about the same debt and re-sent a letter about the balance to me in XX/XX/XXXX. 
I still have not received verification of the debt so I consider this a violation of my rights under FDCPA to continue trying to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to XXXX XXXX  but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with TransUnion, XXXX and XXXX. I have submitted a dispute with my bank whom processes payments to XXXX XXXX  to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022, to remove personal information that I did not want on my credit report. According to the fair credit reporting act 15USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate Zelle has not only failed to protect consumers but also allowed repeat offenders to exploit the system. leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Chase bank sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added {$75000.00} to my loan for delinquent payments. I was in modification with Chase for 5 years, and 5 different modifications. When we were just about to complete, they sold to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX then billed me for {$80.00} something XXXX. After months of disputing since I did n't know who in the XXXX they were and did n't know my loan was sold, they tacked all this money on my loan and ruined my credit. As you know, when your in a modification, Chase would not accept payments for all the years. I do not think they have the right to do that. I was XXXX years old and completely used by them. I am now XXXX and will never be able to pay off the loan. My loan balance at the time of starting the modification was about {$1300.00}, PITI. Now its the same with a lower interest rate, but {$75000.00} more and I will never pay off my home.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX2024 as listed on my most recently reviewed Experian consumer profile, there is a fraudulent / unauthorized inquiry listed : XXXX XXXX  XX/XX/scrub> 2024. I, XXXX XXXX am hereby notifying you that this inquiry is fraudulent and neither on that date or dates similar did I authorize any individual from Experian to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiry is to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Credit reporting or other personal consumer reports

CAINE & WEINER HAS VIOLATED 15 USC 1681 A1AI BY NOT RESPONDING IN 30 DAYS TO MY DEBT VALIDATION LETTER THEY RECEIVED ON XX/XX/2023 TRACKING # XXXX.