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

I used MoneyGram to transfer funds to my cousin 's son as a wedding gift. On XX/XX/2020 I sent {$1300.00} to my cousin 's bank account through MoneyGram. I can provide bank info if needed. I went to the MoneyGram kiosk at the XXXX in XXXX XXXX, California. They told me the transfer would go through the next day. To date, the recipient has not received the funds. He has been checking on a weekly basis. I have also called MoneyGram customer service 8-10 times since XX/XX/XXXX. My last communication was XX/XX/XXXX. When I call MoneyGram, they tell me that they have received confirmation that the bank received the funds but will provide no further details so that my cousin can go to the bank and say it has been confirmed by your employee so and so. The reps tell me they will have to file an inquiry and nothing is ever done. These funds were sent XX/XX/2020 and I still have no answers.
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts suddenly appearing on my credit report tonight, and I have no idea how they got there. I routinely check my credit report, and this time, these unexpected discrepancies just showed up. I even tried refreshing my browser, hoping it was a simple glitch, but nothing changed. The incorrect accounts were still there after I refreshed. Because of this, Im asking that the documents I've submitted be carefully reviewed to prevent me from ever having to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX  Account Number XXXX I have sent XXXX letters of dispute and I received no reply of proof to legally verify this account, so I do not understand why every time I dispute this account with Experian, you keep updating as verified when in fact it was not. XXXX and XXXX have both deleted this account because there was no proof and the information reported was inaccurate. Please remove this account. 

XXXX. XXXX XXXX Account Number XXXX Not only is this account not mine. I have absolutely no acknowledgement of this account. I have also provided you with my identity theft case number. This account is also being re-aged. Ive disputed this account with the company and a letter was sent to me which I have provided. At the bottom is a signature ( not mine ) but states the customer may cancel without penalty or obligation if returned within XXXX business days which it was returned apparently within that time period. Not only should this account NOT be on my credit file due to credit theft but since it was returned in the appropriate time frame, there should not be any obligation PERIOD. This account has also been removed from XXXX and XXXX due to the companys inaccuracies, yet you have failed to do so even after providing proof. Please delete it from my file.
Product: Payday loan, title loan, or personal loan

Speedy Cash reported {$1600.00} as collection on XX/XX/XXXX. Never took this out Tried to contact and no response several times in XXXX and XXXX
Product: Debt collection

We took out a student loan at 7 % interest for XXXX. The amount to be paid back was XXXX. We have not missed a payment and have paid Navient {$26000.00}. and they are claiming that we still owe them over {$33000.00}. We agreed to pay them back the extra {$4000.00} of interest. They are charging us {$24000.00}. on a {$35000.00} loan!
Product: Debt collection

The Company EOS/CCA called on XX/XX/2022 about a Ultities bill four years ago for {$1300.00} and I never received anything in the mail. I Specifically ask the Rep to send me documentation like signed contract or other information to verify the debt as I am a Victim of Identity theft and I do not know of such account. Instead of sending me the requested information require by law when a consumer request it.The company put the collection on my credit report without providing the information needed to verify the debt. As a victim of repeating identity theft situation with on that occurred last year. I should not have to continue to dispute information that is not mines on my credit report. Below is the Company information. They have violated my rights. This needs to be off of my credit report. 

EOS/CCA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got notices that my credit score had gone down, which doesn't make sense as I am paying on time with all of my accounts. I realized that on inspecting my credit reports that there were a couple of bank accounts made using my name and information that I did not open. 2 Bank of America accounts and one XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old credit card account with XXXX XXXX from XXXX. In XXXX filed ChapterXXXX bankruptcy. XXXX XXXX was listed as one of my creditors set to appear at the Bankruptcy " 341 meeting '' in XX/XX/XXXX. XXXX XXXX never showed up for the meeting. I was reviewing my credit reports and notice that they are trying to collect on that old balance. I have asked the credit bureaus to list the account under bankruptcy which they did, yet speaking with my attorney since they received notice to attend the Bankruptcy " 341 meeting '' in XX/XX/XXXX, and they did not respond they foregone their right to collect on this debt and it must be removed from all my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am un aware of this account and any of these charges. I have requested proof of said charges and validation of account and they were in able to provide them but refuse to delete this incorrect account from my credit report.
Product: Debt collection

I paid my final bill to Citibank for credit card debt that they claim was received two days late. I claim it was not. In any case, they have been charging me {$35.00} a month plus interest and the total debt now is {$150.00} and I tried to speak rationally with them and they would not have it.
Product: Payday loan, title loan, or personal loan

I filed Bankruptcy in 2017. This lady called my work a few times ( after being asked not to ) threatening me, cursing at me. She would not say where she was calling from, expect I owe and they will continue to call me and garnish my wages. She threatened myself at work on my phone and a coworker.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX I file dispute to against TransUnion to investigate incorrect information that was reported to my credit report. TransUnion has reported incorrect collections to my account as well as incorrect personal information. There was a {$130.00} collection, a wrong name, 2 wrong addresses and a wrong employer. I requested an investigation for these items and I never received a response or update regarding the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer USA claims I owe them money for a vehicle they repossed and sold and claimed I did n't owe anything. Then I started receiving harassing calls and letters stating I owed fees and surcharges. I have contacted them and even offered to pay the money I do n't owe if they promise to remove the information from my credit and they refuse to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accountS are incomplete account and can not be verified and there is not CREDITOR listed, please DELELTE ASAP. 

# XXXX {$330.00} # XXXX {$25.00} # XXXX {$18.00} # XXXX {$9.00} # XXXX {$0.00} # XXXX {$100.00} # XXXX {$61.00} # XXXX {$78.00} If necessary please validation of debt as well. 

I have attached pics of the missing information in addition to the credit report as well. Please delete ASAP.
Product: Student loan

I borrowed {$29000.00} from XXXX ( formerly XXXX XXXX, now Mohela ) in XXXX to attend the XXXX XXXXXXXX XXXX after being misled by representatives of the school about the program I would attend, and about the career prospects I would obtain following completion of the program. After completion of the program in XXXX, I faced the reality that my degree was worthless and that I had been duped into borrowing a loan that would prove to cause me irrevocable harm throughout my life. I have suffered major professional and financial losses as a result of this loan, dealt with an inability to find stable employment and housing due to the credit impacts of keeping up with the loan and XXXX 's unwillingness to negotiate monthly payments, have had ongoing tensions with family members who are constantly harassed by the company and had their financial lives threatened as a result of co-signing the loan, and I have had a range of health issues as a result of the constant financial pressures of this loan. 

Despite all this, to date I have made payments amounting to {$58000.00}, which is nearly double the principle I originally borrowed. Nevertheless, the balance currently sits at {$77000.00} due to unchecked interest rates, with no end to repayment in sight. My expected monthly payments are more than a quarter of my monthly income, which XXXX refuses to negotiate, and this loan continues to wreak havoc on my life XXXX years later. 

In XX/XX/XXXX, I submitted a Student Loan Discharge application through XXXX and provided more than sufficient documentation of these harms, along with advocacy support from the XXXX XXXX XXXXXXXX XXXX XXXX  in XXXX. XXXX responded by denying this application and has refused to provide any explanation for this decision when I requested that they do so.
Product: Credit reporting or other personal consumer reports

Summarized : A {$500.00} loan from the XXXX Bank of America was obtained on XX/XX/XXXX. Payments were made on XX/XX/XXXX, and XX/XX/XXXX, for the loan repayment. This account was previously in collections, and a final overdue payment of {$160.00} was paid in full on XX/XX/XXXX. This collection payment was not reported as the balance was not updated, leading to an incorrect account status stating " {$160.00} written off '' in my credit report ( XXXX ). Please see the payment confirmation details in the attached documentation with the screenshots and account dispute results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am filing this complaint because the band Planet Home Lending that I was paying my monthly payment. I applied for and natural disaster forbearance because of the Covid pandemic. Unfortunetly the pandemic affected our house hold income because my wife lost her hair salon business because of the pandemic. We had no other choice but to apply for this help because income was affected. We eventually sold the home in XXXX of 2022 I informed Planet Home Lending of this. And they said ok no problem and not to worry. So we closed and Planet Home Lending was paid in full I even received a letter stating that. At no point in time did they say thye will report a late payment when they had no reason or right to do so. They did this after they received full payment without notifying us. And they knew that my spouse lost her business because of Covid. So this report of late payment has affected my score and my spouse score and now is making shopping for a new mortgage very difficult because the lower score we can only get bad interest rates. I have contacted the bank nuerous times and I just get the run around i had 2 supervisers tell me thye didnt report anything and then I have another superviser saying they did. Very rude and not caring at all. All I want is this late payment which shoulf not be there removed off my report and my spouse please. 
Thank you for your time XXXX XXXX
Product: Credit reporting 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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: Credit reporting, credit repair services, or other personal consumer reports

Was giving retroactive forbearance and still had XXXX days XXXX day XXXX days even through the forbearance brought my account update these are still on there. Attached file what i send them and screen shot is what they sent back.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased a suit from a suit vendor named XXXX XXXX ' in XXXX , XXXX for {$780.00} USD. Since I was told that the suit would take 2 weeks to make, they would ship it to my home address in Minnesota and provide tracking on the shipping when it was sent out. I had purchased a suit at this shop with two other friends also from Minnesota. 

Weeks went by and we expected tracking to be sent to our emails that we had provided to the vendor. I and a friend ( XXXX XXXX ) reached out via email to the vendor ( XXXX, I have attached their 'business card ' -- try finding information about this place, they don't exist ) to understand where the tracking was. You will see the corresponding email chains in the attachments. More and more weeks went by without a response. I tried finding the location on XXXX maps, I tried finding the company via XXXX, I've looked almost everywhere to find information on this suit shop and it doesn't exist. 

Due to this, myself as well as my friends decided to issue a dispute via Chase as we believe we had been scammed. Chase acknowledged the dispute ( issued XX/XX/2020 ) and went to investigate the claim. 

I did not hear back from Chase regarding anything on the investigation until XX/XX/2020 when they said that the dispute was resolved and that they had taken the vendors side and re-issued the charge back onto my account. The reasoning was because the vendor said " the customer said they were going to pick up the item '' -- that information was provided to me after calling Chase customer support to get information on the explanation as to why the charge was re-billed. I can not pick up an item when I am in the United States while the vendor is in XXXX, plus the contract was for the vendor to ship to us and that was the reason why we provided our home addresses. 

Please look into this, I do not think Chase did a comprehensive investigation into this as they did not ask for any proof of emails from me or anything -- they took the vendor side without asking me for information. If they would spent 5 minutes XXXX, they would see that this vendor does NOT exist and they are scammers. 

In summary ; I have never received the product from the vendor, I disputed with Chase who after months came back and re-billed me for the original charge claiming that the vendor said we would pick up the product ( I can't pick up a product when I live in the USA and its in XXXX, the agreement was to ship it to my home after the suit was created and ready to ship. Chase never reached out to me for more information and I do not believe they researched this vendor properly ( as they don't exist online ). 

Thank you, XXXX
Product: Checking or savings account

On XXXX XXXX I had over {$400.00} stolen out of my account. I immediately called Wells Fargo and demanded that they immediately return the money that was stolen. Their response, which should have been Yes, customer let me immediately return your stolen money. Instead their response was We could care less that your XXXX is ruined we refuse to give your money back until we sit on it forever because we are too lazy to do our jobs. I just want my stolen money back immediately, not in three weeks because these people will use everything from their laziness to this overblown pandemic to keep from doing their jobs! If it had been their holiday that was ruined by this theft or one of their buddies then they would bend over backwards to immediately fix it. I want my money back and I want Wells Fargo sanctioned!
Product: Mortgage

I applied for home mortgage loan with Prosperity Home Mortgage , LLC. I provided all the information and documentation that was requested. I have a great credit history and good income. I was approved for a very low amount. When I tried to ask the reason, the lender asked for more unnecessary information and documentation. I advised them that I have provided documentation and information you requested. Why my loan amount is low. They had no good reason. 

I had applied for mortgage elsewhere ( XXXX XXXX XXXX  ). They had approved me for much more XXXX XXXX XXXX difference. They actually did this with out requesting this many information. 

I discovered that this is a discrimination against people of color. This must be stopped!!
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX and XXXX credit report. My latest credit report shows XXXX hard inquiries that I did not authorize 15 U.S. Code 1679c XXXX Inquiry XXXX XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX + XXXX  XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Banks XXXX  Inquiry : XX/XX/XXXX + Banks XXXX XXXXXXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal COAF Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX Inquiry : XX/XX/XXXX XXXX Banks XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX Inquiry : XX/XX/XXXX XXXX Finance/Personal I have no knowledge of the collection accounts below nor did i authorize on my behalf. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$3600.00} Needs Attention below is a ftc report attached.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Second Written Request for Account Deletion To Whom It May Concern, I am writing to address an issue regarding the reporting of State of Oregon Support Enforcement accounts on my credit report. I previously requested the deletion of these accounts, Account : # XXXX Account # XXXX Account # XXXX as they are inaccurately reported. Equifax XXXX XXXX : XXXX XXXX Confirmation # XXXX This is my second written request to have these unverified accounts removed in accordance with 15 U.S.C. 1681. 

Case Law Support : The following case laws support my request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al., Case XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. XXXX ( XXXX XXXX XXXX XXXX XXXX ) These cases establish that consumer reporting agencies must have written authorization or a contractual agreement to report such accounts.

As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 

Verification Requirements : Your response to my initial request stated that the accounts were verified. I request detailed information on the verification process : Documents Used : What specific documents did you use to verify these accounts? 
Responsible Person : Who verified these accounts? Please provide their name, business address, and contact number. 
According to XXXX XXXX XXXX, Verify means to confirm or establish the truth by oath or affidavit. Therefore, Equifax must have documentation proving the accounts belong to me and must authenticate these documents under oath if necessary.

Federal case law emphasizes that Consumer Reporting Agencies must ensure accuracy and can not merely rely on information from third parties without proper verification. 

Delete these unverified accounts immediately and when collecting on an obligation arising from a credit transaction. If this issue is not resolved, I am prepared to escalate the matter with the XXXX XXXX XXXX. ( XXXX ). 

Thank you for your attention to this urgent issue. 

Sincerely,
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a loan thru big pictures loan on XX/XX/XXXX they deposited XXXX dollars I was mislead I had know idea that the interest would be what it is they have me paying XXXX for 13 payments which means I pay back over 2 grand I had know idea they dont tell you this I have made 3 payments and haven't touched the principal I'm willing to pay what I borrowed but I can't pay all that interest so I sent the company a stop and cease order on taking money out and I did a stop payment i cant any continue to pay overdraft fees because of them taking these payments out twice a month I believe they prey on people that are in jam and need a little cash and they trap you into paying these big fees I want to settle with the company