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

On XX/XX/2018, I sent {$50.00} to my niece in XXXX, XXXX. My niece is XXXX XXXX. The agent gave me XXXX as my confirmation number to give the receiver to pick up the money. When the receiver went to get the money, MoneyGram refused to give her the money saying the confirmation number was invalid. The receiver reached out to me and I called MoneyGram on Saturday, XX/XX/XXXX. The MoneyGram agent informed me after verifying my personal identifying information, that the confirmation number was not valid. she refused to give me the correct number saying that I needed to go to an agent location with a valid ID. I did. I visited the XXXX XXXX XXXX store on XXXX XXXX XXXX, XXXX, TN XXXX. I explained the purpose of my visit and the agent called MoneyGram. MoneyGram decided to issue a refund and provided a refund confirmation number - XXXX. However, I could not get the money. MoneyGram informed the agent that I needed to travel back to XXXX, GA to pick up the refund. I live in XXXX, TN and was visiting XXXX during the XXXX Holiday. I explained that I was unable to go back to XXXX. Even the store agent tried to explain to MoneyGram via telephone that I do live in XXXX and that she has verified my information. But MoneyGram refused and insisted that I must go back to Georgia. I left the agent location without getting my money back. 
Today, I called MoneyGram to resolve the issue. I spoke to the escalation department and told them the issue I was having in getting my refund. The escalation Department informed me that it would not be an issue to make a change from Georgia to Tennessee in order to get my refund. They advised that I needed to go back again to the agent location and let them call the escalation department so as to give them instruction to process the refund. I drove back to the agent location on XXXX XXXX and the agent called MoneyGram again from the store phone. I heard the agent informing them that the customer does live in XXXX. She asked for my ID and I provided my Tennessee Driver 's License and she gave it to MoneyGram over the telephone. To my dismay, MoneyGram still refused to give my refund but insisted again that I needed to go back to Georgia where I ordinated the transaction. Even the store agent argued that she did not see the rationale why the customer must go back to Georgia. MoneyGram refused and ended the call somehow impolitely. I called the escalation department again but I could not get any help to get my money back. I informed them that I would file a complaint with the CFPB. This is what I am now doing. Please help me get my money back.
Product: Debt collection

I have been contacted repeatedly by Tower Loan of XXXX XXXX Illinois from various phone numbers attempting to collect a debt for a different XXXX XXXX. I have told them repeatedly that they have the wrong person and need to stop contacting me. The latest attempts to contact me were impersonating an insurance claims adjuster wanting to talk to me about a claim. The insurance claim impersonator was calling from XXXX which seems to be a Texas phone number and the caller said their name was XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Contacted Equifax regarding a very low credit score XXXX and after my investigation, Equifax website stated credit information hurting your score was " There is a bankruptcy on your credit report. '' Yet, when I pulled up my actual credit report from Equifax online, there was no bankruptcy or derogatory comments. So, I decided to see if I could dispute the obvious data error that I have a bankruptcy online with Equifax. The website states I do not have a bankruptcy therefore I can not dispute it? I then call Equifax customer service number. I was told that my XXXXcredit score was not caused by a bankruptcy showing on my credit report ; but because of a vague formula by XXXX XXXX XXXX and that he did not see a bankruptcy on my actual credit report, but he acknowledged that it did show that I had a bankruptcy online with XXXX XXXX. He stated they use Equifax data but did not know how or why a bankruptcy was showing and when I asked how this needs to get fixed ; the Equifax representative stated there was nothing he could do and hopefully it all would be worked out in the future. I can not believe what I was hearing. I just need my credit data to be accurate, so I have an accurate credit score. I am beyond frustrated.
Product: Prepaid card

I was issued Delta choice rewards in exchange for bumping XXXX flights on flight XXXX on XX/XX/23. The credit was {$12000.00} ( {$3000.00} per ticket x 4 tickets ), issued to one email address since it was one reservation. I redeemed the rewards for Amex rewards gift cards ( 24 cards at {$500.00} each ) on XX/XX/23. 

I attempted to use the Amex cards multiple times and each time it fails. In fact, I have been unable to successfully charge even a single thing. I have tried at different vendors on different cards at different times- each time at a vendor that accepts Amex, where the charge is under the limit of the card value, and is correctly input. Each time, it fails. 

I contacted Amex at least 10 times by phone and also at least 20 - 30 times by email ( documentation included in this case ). Overall, I have been spun in circles : Amex would either be unresponsive or give non-answers stating that the cards worked or would share the instructions on how to use the card which I followed every time. At XXXX point, they asked for proof by sending screenshots of failed transactions, which I did. 

This has gone on since XXXX- all of which while there is a six month expiration that is getting closer-and-closer to expiring daily ( expires in XXXX ) and no ability to use the cards along the way. So {$12000.00} in cards and XXXX ability to spend it. 

In the attached documentation, Amex even shared the records on one of the cards that showed multiple attempts made and zero charged since it failed every time. At one point, I demanded to void the cards and reissue- they agreed, but then responses were as if that was never offered and emails reverted back to the same non-answers, instructions, and spinning in circles. The cards are impossible to use, literally, and Amex has given no solution in three months - while there is an expiration in XXXX and I will lose the money for no fault of my own. 

I feel scammed and would like a check for the {$12000.00} that I currently have in Amex gift cards and have been entirely unable to use - that Amex has received proof of and have also confirmed does not work ( in the attached documentation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX on XX/XX/XXXX. I purchased my XXXX XXXX XXXX XXXX on credit through Ally Finance and made my payments on a regular basis. After the XXXX, Ally Bank suspended my car loan payments. A total of {$16000.00}. Despite repeated calls, none of my calls were answered. At the end of the 4th month, Ally Bank requested a refund of {$35000.00}, a figure above the current total repayment amount of {$16000.00}, from my insurance company. As a result of our objections, my insurance company finally collected the parking fee and other transportation fees in XX/XX/XXXX, as well as the sum of the installments that I did not pay, with interest. He paid back {$19000.00} and the debt was settled. Ally Bank held me responsible for a payment dispute with the insurance company Progressive after I charged a higher fee than the payment amount, even though I had no obligations. He sent me a letter to Ally Bank about my late payment. Because of this, my credit rating was unfairly lowered. As a result of the dispute between Ally Bank and XXXX XXXX XXXX regarding the repayment amount of the vehicle, my credit rating was unfairly lowered. I demand and demand that this injustice be corrected as soon as possible and that my credit rating be corrected. 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attempted to freeze my credit with Transunion Credit. I completed all of the required steps and received an error message saying that they are having trouble verifying the status of my credit freeze. I am not comfortable with this as I need to have immediate ability to freeze and unfreeze my credit as required by federal law. I am afraid that am unable to verify if my credit is vulnerable unfrozen and also if I need to unfreeze it for a legitimate reason. This is a KNOWN ISSUE with this company for years and the subject of a class action lawsuit and still they are permitted to deceive customers. I will not tolerate this and demand an immediate resolution. I REFUSE to attempt to resolve this any further with Transunion as they only give customers the runaround. I also can not receive a copy of my credit report as required by federal law. I want access to do that too. Transunion needs to be investigated. I had zero problems with the other two credit bureaus. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in XXXX XXXX. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within XXXX business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX - XXXX XXXX INQURIES BEING CHALLENGE : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution. 

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Product: Checking or savings account

Ive been with navy federal since XXXX and been charged overdraft fees. From my understanding theres a lawsuit pending for XXXX federal customers
Product: Credit reporting or other personal consumer reports

I sent request to all 3 credit bureaus to correct my legal name and and remove all the other names and other address but my present address on my credit report and they have not responded. I have also filed request regarding the Fair Credit reporting act for accounts to be removed from my credit report and for payments to not reflect negative due to the covid 19 period. I am attaching all my documentation supporting my request that was sent to XXXX, TransUnion and XXXX. 

I would like to thank you in advance for your time and assistance with this matter.
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 being a frequent user of Zelle and reporting discrepancies on multiple occasions, my financial institution and Zelle have failed to conduct adequate investigations into my claims. The findings from the CFPB underscore systemic shortcomings, including Zelle 's inability to protect consumers and its facilitation of repeat offenders exploiting the platform. 

This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety and trust. I urge Zelle to prioritize corrective actions to address these deficiencies and implement robust measures to safeguard its users.
Product: Credit card

I have a PayPal Credit account through Synchrony Bank. It came to my attention several months ago that when I make a payment which includes all standard purchases for the month and what ever Promotional deferred interest purchase is due that the payment is not being applied to the standard purchases ( which creates interest due on them ) but to future deferred interest purchases. In these instances the deferred interest purchase is not due for 4-6 weeks from date of payment. I am supposed to have 6 months interest free but am getting XXXX XXXX - 5 months instead. Even though they advertise and set up due dates that are 6 months out. I have talked to them, initially when it first came to my attention approximately 3 months ago. Their solution is that after I make a payment I have to call and specify how it is to be properly applied and they then reverse the original application of funds to correct the problem. I have other accounts that have XXXX interest balances and new charges and when I make a payment the new charges ( which would accrue interest ) are paid first before any application of funds to the XXXX interest balances. This is what my understanding of what credit card regulations require : that pmts be applied to higher interest charges first. In this case, the interest would not be charged until the following statement, but it would be charged if I didn't call to have them manually fix it. This is the only credit card I have that regularly applies payments improperly. I'm hoping you can bring this to the attention of the company so their IT department can correct this flaw in their payment processing system. Thank you.
Product: Credit card

I have a credit card through the helzberg diamond credit card. No one told me about how if I don't pay off the entire balance in 12 months I'll get a year 's worth of interest charged. They said it was on my statements but I've never checked my statements since I never had to. Nowhere in the payment processing page or the salesman that signed me up for the card said I needed to pay out the entirety of the balance or I'd get charged the entirety of a year 's worth of interest. I was only around {$400.00} short not knowing that I needed to make an additional {$400.00} payment nor did they email me about it.
Product: Mortgage

My father has a current mortgage with Freedom Mortgage. My father died on XX/XX/XXXX and I have since been appointed the administrator of his estate and been granted the consent to sell real estate by the probate court. 

Freedom mortgage refuses to provide me or my attorney And title company with the requested payoff information. I was informed on I would have to work with Freedom mortgage to become a successor in interest, and only then could I obtain a payoff amount. 

On a phone call to freedom mortgage on XX/XX/XXXX, I was informed by Freedom mortgage representative XXXX that I needed to fax in my letters of authority, death certificate and consent to sell real estate to initiate the process of becoming a successor in interest. XXXX stated that it would take up to 72 hours to upload those faxed documents to their system. Those documents were faxed in and I have a copy of their receipt. 

I called in 2 days later to check on the progress of my request and spoke to XXXX, who informed me that the request can take up to 8 business days. I then Asked to be transferred to a supervisor, given the inaccurate information I had been given about the turn around time. I was transferred to supervisor XXXX, XXXX stated that in fact, it could take up to 14 business days to upload faxed in documents. Additionally, she told me that I needed to fax in a copy of my drivers license, which had not been mentioned on my previous calls. My attorney faxed in a copy of my drivers license on XX/XX/XXXX and we have a receipt of that fax transmission. 

My attorney received a fax on XX/XX/XXXX that my drivers license was needed, despite it having been faxed 7 days prior. My attorney faxed over, for a second time my drivers license, we have a receipt of that fax as well. 

When I spoke to Freedom mortgage today ( XX/XX/XXXX ), the agent I spoke with was unable to clearly outline the next steps in the process on how once confirmed a successor in interest, I could grant permission to my attorney and the title company to obtain the payoff amount. I was transferred to supervisor XXXX Rep. Id # XXXX, who had no explanation on why my original fax was not received on XXXX and that it would take 7-10 business days to review my documents, which they state were received for the first time in full on XX/XX/XXXX. 

The property in question is in contract and scheduled to close mid XX/XX/XXXX. I dont mind working with the mortgage company to obtain authorization to get the payoff amount ( the only information we are seeking ), but when that company fails to accurately outline their own procedures, lose documentation and can provide my no estimated completion date, I am seeking assistance from the consumer protection sector, as I can not allow the sale of this home to be forfeited due to the procedural shortcomings of the lender.
Product: Debt collection

XXXX. I called XXXX several times requesting that I receive a letter indicating that once the balance was paid in full, that they would remove the account from collections within XXXX business days. 
-I was placed on hold several times. 
-Representatives hung up or refused to allow me to speak with a supervisor -after several attempts, I was told that a supervisor would call me back. 
-A supervisor finally called but still refused to provide a letter indicating that the account would be removed from collections within 30 days once paid XXXX gave me the following phone # to call for collections agency XXXX XXXX. I called the collections agency ( Virtuoso Sourcing Group ) at XXXX and I requested that they email me a Statement indicating the details of the debt, name of collector, and amount of debt in writing. They refused to provide it several times. Then finally I was sent to a supervisor who asked for my email address and stated that she would send me the statement via email but SHE NEVER EMAILED IT. 
-I also asked again ( after several requests ) if they could provide a letter stating that once the balance was paid in full, that they would remove the account from collections within 30 business days. I mentioned that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. The collections agency refused to send this letter via email.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate information : 1. The inquiry was not authorized XXXX XXXX XXXX Inquiry Date : XX/XX/year> Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX/CROSSCOUNTRY MORTGAGE Inquiry Date : XX/XX/year> XXXX
Product: Debt collection

XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX, Re : Dispute of Debt and Revocation of Communication Rights I am writing to inform you that I dispute owning any and all debts to your company. I deny any liability for the alleged debt and request that you provide debt validation to support your claim. 

Furthermore, I revoke all rights of your communication with me through emails, text messages, or phone calls. I demand that you cease and desist all communication with me immediately. 

I request that you provide the following documentation : - A detailed accounting of the alleged debt, including the amount and origin of the debt - A copy of the original contract or agreement between me and the original creditor - A copy of the purchase agreement between your company and the original creditor - Proof of your company 's licensing and bonding I believe that your company has violated several laws, including : - 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide clear and conspicuous disclosure of the debt - 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to provide accurate and complete information about the debt - 12 CFR 1006.34 ( d ) : Failure to provide proper validation of the debt - 15 USC 1681-S ( 2 ) ( 7 ) ( a ) : Failure to comply with the Fair Credit Reporting Act 's requirements for debt collectoXXXX I demand that you provide the requested documentation and proof within 30 days. If I do not receive this information, I will assume that the debt is invalid and take further action to protect my rights. 

Please confirm in writing that you have received this letter and will comply with my requests. 

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

In 2020 I filed a police report for fraud due to unknown unauthorized accounts on my credit report. I recently reached back out to all XXXX  credit bureaus and provide them a copy of the police report stating that the account with XXXX XXXX XXXX XXXX was open without my consent. XXXX and XXXX both removed the account immediately under the law and place that if any items are listed on your report that were open fraudulently, you must provide a copy of a police report stating that information. Equifax has refused to remove the account, even though the law states they must remove it. I have attached a copy of the police report and the deletion results from XXXX. 

Here is the account that was fraudulently open listed below. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit Bureau is reporting inaccurate information on my reports an I have them to remove the inaccurate information in writing an via telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX XXXX, XXXX and Honda Lease Trust On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a 150 points. I have tried contacting them about this matter and nothing has been resolved.