23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On XX/XX/2015 at XXXX i sent a money gram of XXXX to XXXX XXXX . When the person that was suppose to recieve the money went to pick it up, she was told she could not do so because her name is on some federal govermnent list that prevents money gram from doing business with her. She was advised that she would need to return with more information to to identify herself. She then notified me that she had been denied receipt of the money that i had sent to assist with a family menber funeral. I then called and was given the run around stating that she need to return with more identifiation in order to collect this money, and was given a number for the agent there in XXXX to call in order for a money gram agent here in america to call her back. All of that was done and still the money was not released to her saying that money gram still needed more info but not able to tell her what more they needed. I then called Money Gram for the second time and at that time requested that my money be refunded to me since i was the one that sent the money to her. The money gram agent told me she could not give me back my own money cause this lady name is suppose to be on some Federal Government List. As a result i have not been refunded my money and they are still refusing to release the funds to whome i sent it to. Iam not a rich woman therefore i can not afford for Money Gram to not refund me my mone back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This ground for removal they aslo violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account withou my written instructions. Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment status an inaccurate reappearing and appearing. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to the consumer to a consumer reporting agency if the person know or has reasonable cause to believe information is inaccurate.
Product: Credit card

I moved to XXXX  from XXXX XXXX XXXX  in XXXX and bought my condo in XX/XX/XXXX. I did not have furniture or furnishings. 
The bank send an email that " because I was such a good customer '' they were raising my credit limit to {$30000.00}. They did not mention that they also doubled the interest rate. 
I bought furniture and furnishings ( I was working making at least {$80000.00} per year and thought I could easily pay off this amount ). 
I was laid off in XX/XX/XXXX. I was not able to find another job. I made an inventory of what I owed and expenses ( I consulted a credit counselor ). 
I had XXXX credit cards besides this large one with about {$12000.00} altogether. The other XXXX credit cards had hardship programs where they lowered the interest rate and the payment. I have paid off all those credit cards. 
I phoned the bank but they would not offer me any help. I owed interest of about {$500.00} a month. I paid the minimum payment ( almost {$600.00} ) and used the card only in an emergency. 
I paid almost {$600.00} a month for XXXX years. I figure I paid as much as I had borrowed ( about {$37000.00} ). 
I had gotten many calls offering to negotiate my debt but I did not do that - it seemed sort of dishonest- But after I figured I had paid {$37000.00} without making a dent in the debt, I did contract with one of them. They told me to stop paying on the credit card and they would negotiate the debt. I paid them {$400.00} a month instead. 
They told me there would be a hit on my credit rating " for a couple of months. '' They forgot to tell me that they would not even negotiate until I had paid them at least XXXX of what I owed ( or about {$15000.00} ). That would take about 5 years. 
I also learned that the negotiated debt would stay on my credit report for seven years. The debt from not paying the card has already lowered my credit score by about 200 points. 
When I was working I worked for the same company as the XXXX XXXX XXXX. I had to take their required classes. One class was called " Predatory Lending. '' One of the scenarios looked sort of familiar. Basically it said they targeted old peopld ( I am XXXX now ) on fixed incomes and raised their credit limits a lot while also raising the interest rates, then refusing to let them out of the loan. I think what they did to me was predatory lending.
Product: Debt collection

This creditor Santander is reporting a auto collection account I would like verification of debt
Product: Credit card

XX/XX/XXXX I received text msg from Bank of America regarding to suspicious activity on my credit card at XXXX XXXX, I replied that was an unauthorized purchase, and i have a reply from bank of America saying my credit card was restricted. On XX/XX/XXXX, I saw 3 transaction on XX/XX/year> with a total of {$310.00} that I didn't authorize. I called Bank of America on XX/XX/XXXX to file a claim, stated I wasn't personally at any of those stores, and my credit card was at home and I didn't authorized anyone to use my card. Bank of America set up a claim with claim number XXXX, and temperately credited the amount of amount. On XX/XX/XXXX, bank of America stated, as the transactions were read through the chip on the card and pin was entered, that indicated me or someone i allowed to use my card was present. 

I have prove that i wasn't presented at the store nor authorized anyone use my card. Bank of America failed to present any documents with my signature or prove of me authorizing my card and refuse to refund the amount that was a scam/unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband had filed for bankruptcy back in   XXXX   of 2011. His bankruptcy was discharged in   XXXX   of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the   XXXX   XXXX   credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to   XXXX   XXXX   XXXX    personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around   XXXX   dollars and was forgiven due to my husband filing for Chapter  XXXX  bankruptcy. Can you please have the  XXXX  credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.
Product: Credit card

Balance transfer was initiated on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX for {$XXXX}. After XXXX weeks of no payment being received by the credit union, I requested that the transfer be cancel. They denied the request and instead recommended that I file a dispute. After the dispute was reviewed ( another XXXX business days ), I was notified that another check was sent on XX/XX/XXXX. It is now XX/XX/XXXX and still no payment received. I have a payment due on XX/XX/XXXX. Ive accrued interest over the last month at no fault of my own and now my credit report shows I owe {$XXXX} on XXXX accounts instead of XXXX. Discover still refuses to simply cancel the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time frame of XX/XX/2017 to XX/XX/2017, I was stationed at XXXX XXXX, SC, attending XXXX XXXX. During this time I had no access to my account and was unable to make phone calls, My rights under the The Servicemembers Civil Relief Act, protected me from missing payments during training under these months. After training, I made multiple attempts to contact Chase to settle these issues, only to be denied access to my accounts due to my email address being compromised. I settled by making payments on my account, but my credit was severely affected. As this credit is 3 years old, I have been forward deployed to XXXX for 3 years, with 1 year being in the XXXX XXXX, and other parts of the earth. I am now trying to settle this dispute again, after multiple calls from my wife, who was denied access to my information, even with a power of attorney. I wish to fix my credit at this time, erase the credit history that was built up due to lack of communication, and be reimbursed accordingly to the SCRA.
Product: Mortgage

Our previous mtg company sold the acct. to ServiceMac ( XXXX, GA ). Service Mac with no notification decided to put an escrow acct on the mtg. In 44 years, I have NEVER had an escrow acct. Insurance and taxes are paid in full one time annually. I spoke to them in XXXX and was told to file an escrow waiver application which I did in XXXX by US Mail, on line and by e-mail. I was told to call back after XX/XX/XXXX. Then I was told to call back in XXXX, but since it was expedited I would hear by XX/XX/XXXX. Meanwhile I have been getting letters in duplicate saying that I need to pay extra each month due to what they believe will be a " shortage '' of funds for insurance/tax payments. ( 0 monies are owed ). 
This is a case of overcollecting with a misappropriation of funds on their part. 
I have spent hours trying to resolve this error for something I do not need. Their response is to say it is " expedited '' and with their " advocacy '' group and nothing happens. 
I can not pay the correct amount on line as the wrong payment amount is hardwired in the system and does not allow me to change it. I already have paid this month 's mtg with the additional funds because the system won't allow me to do otherwise.
Product: Credit reporting

I am actually an attorney and the misuse of my credit report when there is supposed to 100 % accuracy, 100 % verifiable information, and 100 % timely information is causing grave damage to my credit report. I have provided proof of that my name is not properly showing, and a myriad of inquiries that do not belong on my report. Please remove incorrect names, and incorrect addresses, and the erroneous reporting of my date of birth as a XXXX, which misleads anyone looking at my report to think I am either deceased or do not exist. 

The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the XXXX days. 
Please remove the following inaccuracies and inquiries from my report, and update to ONLY the current information : Date of Birth is XXXX - PLEASE CORRECT THISXXXX XXXX BANK XXXX XXXX Banks XXXX XXXX Banks and XXXX XXXX XXXX XXXX BANK Banks and XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Mortgage Reporters XXXX Mortgage Reporters XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX XXXX MY NAME : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving an issue with inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX ) regarding an auto loan that has been fully paid off. Despite satisfying this loan in full, XXXX XXXX continues to report the loan as unpaid/late on my credit report, negatively impacting my credit score and financial standing. 

Credit Reporting Issue : The loan is still being reported as unpaid/late on my credit report. 

Supporting Documentation : Proof of Payment : Attached is a copy of the letter from XXXX XXXX confirming that the loan has been paid in full. 

Title : I have also attached a copy of the title to the vehicle, which further evidences that the loan has been satisfied. 

I have made several attempts to resolve this issue directly with XXXX XXXX, but unfortunately, they have not corrected the reporting error. I am requesting that the CFPB assist in ensuring that XXXX XXXX updates my credit report to reflect the accurate status of this loan as " paid in full '' with a XXXX balance. 

This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies must be accurate and complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated at this time, my concern was not properly handled by 3 credit bureaus - XXXX, EXXXX and Transunion. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX XXXX XXXX, XXXX XXXX, accounts payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried calling Experian to add some necessary name variations to my credit report, but they said they cant add themonly remove. That doesnt make much sense considering people get married, use aliases, etc. and my name variations are only different ways to format my full name, so it shouldnt be that much of a hassle to add. I need them added for identity verification purposes whenever a creditor pulls my credit report.
Product: Debt collection

Only XX/XX/XXXX, we recieved a phone call from National Credit Systems stating we owed them {$160.00} based on a collected from our previous landlord. Because we didn't believe we truly owed them money, we asked them to send a verification/proof of this debt to my husbands email. That email never came. A week later, we recieved another call, and again we told them we would not pay until there was proof. This time, I took it upon myself to send a " proof of debt verification '' to their P.O. box. That was on XX/XX/XXXX. They have up to 30 days to reply to this proof of debt letter. After sending that, we continued to recieve harrasing calls from them. Finally, the 30 days had gone by and we continued to recieve phone calls from them so I send an email stating that the 30 days to prove we owed them {$160.00} had passed, and they no longer had any legal grounds to continue calling us. I also sent that via an email. I did not receive a reply to that email. We continued/continue to recieve phone calls from them with no proof that we owe anybody any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reply of the company was that they are investigating. 

Why my file was closed then?
Product: Credit card or prepaid card

To begin I was charged a {$4.00} replacement card fee. My card expired in XX/XX/XXXX, I had to call on 3 different occasions due to address complications. 
However, I was charged the replacement card fee & I'm not sure why. Their policy states the following : " After receipt of your initial Card, you may receive one ( 1 ) Card replacement for no fee each 12-month period. A fee will be assessed for each additional Card replacement request. Standard delivery ( 7 to 10 calendar days ). Expedited delivery fee would also apply ''. The last time I used that card was XXXX and my card didn't expire until XXXX of XXXX so why would I get charged a replacement fee, when clearly that was a replacement card over a 12 month period? 
Also, there is a {$0.00} fee for the automated customer service ( You are allowed to make eight ( 8 ) calls for no fee each month to XXXX XXXX XXXX ) A fee is charged for each additional call. However, there system is set up as to where you call the customer service number, it prompts directly for you to enter the last 4 of your card number followed by your pin and gives you your account balance & you're immediately charged. There is no fee for a " live agent '' but there is also no prompt for a live agent either, which is totally wrong. I haven't received child support in 2 years and I just received a payment of {$200.00} but my balance is now {$190.00} because in this XXXX day XX/XX/XXXX of trying to call and speak to a " live agent '' about my replacement card fee ( which I feel I shouldn't have been charged for ) I was also charged XXXX customer service automated fees for a total of {$1.00}. This might seem so minimal to you but it's certainly not to me especially during the time of this inflation ; I'm a XXXX  mother who hasn't received child support in 2 years, who tries to save every XXXX she can. How are you going to keep charging me for the automated service fee when there is no number or prompt for a live agent? Why did I get charged for a replacement card when it's been over a 12 month period
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report an auto loan that was included in a bankruptcy almost six years ago. They are currently reporting 120+ day late payments. There are several inaccuracies also being reported and I need the account removed from my credit reports immediately. The date the account went delinquent is also incorrect. They have it reported as XXXX. This account was due to be removed from my report this year but then they changed to date and continue to report late payments. They have continued to report false information. This is a predatory lender with several claims and lawsuits already filed against them. They must be stopped from doing this to people.
Product: Debt collection

I received a letter from a company named Transworld Systems Inc, who I believed took over accounts from XXXX. I have paid and settled this account with XXXX Transworld is not researching my previous account to show payment was made and account closed.
Product: Checking or savings account

In the past XXXX weeks I have deposit my payroll checks after getting approved they will send me an email with in the XXXX hours saying that my funds are on hold for up to XXXX  days for security purposes, they won't explain the reason just that their policy changes and I have to wait, this happen before everynow and then but this is the second time in a row that has happened, I ask if this is going to continue to happen all they say was we can't promise it won't. I try explain that my mortgage is due and I needed to make my payments they told me it's not a problem to then since I should have make sure funds were available before making any payments. I ask them why is this happening and they say it was for to make sure checks were pay I remind them that those checks are my payroll payments and has been for the past 4 years and never have a problem I reach out to my payroll department and they confirm that it's not on there end I try many times to get this fix and they just said the hold will stay for security reasons no other explanation.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB Complaint for the XXXX time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. Equifax has kept these fraudulent inquires on my file, even tho i contacted Equifax and stated that these account are linked to identity theft My previous complaint and most recent # is ( XXXX & XXXX ). Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and attempted to get this matter corrected, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. These inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family as the provider.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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

Equifax was contacted XX/XX/2018. It has been over 30 days and there has been no response. Notice was sent out via certified mail. Attachment was submitted in new complaint.