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

I tried to send money to a friend ( Moneygram transaction XXXX XXXX XXXX XXXX on XX/XX/2021. My friend was not given the money at the receiver end ( by Moneygram agent ) despite my and his following ALL Moneygram disclosed procedures and instructions exactly. When I called Moneygram at the time, they told me they were helpless and asked me to cancel the transaction and try another agent/location. That is what I had to do. However, Moneygram did not refund me the Fee which was assessed on my credit card for the now cancelled transaction. The case created on their end XXXX XXXX XXXX XXXX XXXX has not yielded a refund of fee yet.
Product: Credit card or prepaid card

XXXX prepaid card terminated service. They said they would send out checks with the remaining balance. I never received the check. I have called and they repeatedly tell me the check will arrive in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a " secured credit card '' opened in XXXX with a {$300.00} credit line secured with a {$300.00} deposit. I stopped using this card and requested for it to be closed in XXXX. I was to receive my {$300.00} deposit back unless there was a balance then I would either see the difference refunded or nothing at all. According to my records I should have gotten {$300.00} back, but instead they added frivolous and predatory charges and fees to this account and subsequently charged this account off. Therefore causing damage to my credit report.
Product: Debt collection

I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.
Product: Debt collection

I am writing to demand the immediate deletion of the following fraudulent accounts from my credit report. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. Their continued presence reflects negligence on your part and violates consumer rights. Rectify this immediately to ensure compliance with the law and restore the accuracy of my credit report. : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2020, I applied for a student loan of {$18000.00} through Sallie Mae for XXXX XXXX XXXX for an XXXX XXXX field. The college had promised a full-time in person training throughout the program. However, due to COVID-19, they experimented half virtual half in person learning, which turned out to be a disaster for me and my classmates. I simply received a certificate of program completion, after the college was shut down, which had absolutely no value in getting me a job. Meanwhile, Sallie Mae was charging me interest in the background without my knowledge. Sallie Mae initially promised to kick in payment and interest upon graduation from the program. But they were not truthful. Because of the pandemic and poor training, I am unable to find a job. As a result, I am having an extremely hard time making loan repayment to Sallie Mae. I have pleaded with the college to help out as their program was a failure and also pleaded with Sallie Mae to waive the excessive interest, late fees, and increase in monthly payments. Neither the XXXX college nor Sallie Mae will honor my request. I have been hard-pressed and extremely saddened by the situation I have been put in by the college and Sallie Mae. 
I therefore appeal to you to help me out. 
I would appreciate you assisting me in this crucial matter.
Product: Debt collection

I had an account with XXXX  opened in XXXX and closed in XXXX. 
Fraudulent charges of {$1200.00} appeared with a collection agency, Southwest Credit Systems, in XXXX of XXXX, which I just saw on my credit report today. They claim this arose from a XXXX XXXX XXXX with my name, and an address I have never been associated with, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX has no information on this account and referred me back to Southwest Credit Systems .
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX TransUnion Fraud Victim Assistance Department XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Account number XXXX Loan type XXXX real estate mortgage Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license Copy of Credit Report Fair Credit Reporting Act Section 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, despite no assertive behavior on my own, has collected and stored a wealth of credit information about me as a private citizen for years and has now subjected that data to a system breach. This is a fundamental breakdown of the public trust and social contract of our society. We did not ask for these monitoring services and now a *private* company* has lost all that data. The impact of this can not be overlooked. Loss of my data gives bad actors years of information they can use to now attempt to impersonate me or gain access to my online accounts. Please help and let 's get to work changing the way this entire ecosystem of quasi-government monitoring is handled.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This complaint and request for correction is for your Legal Department Only. 

To Whom It XXXX Concern, I have a bankruptcy showing on my credit report. I asked the credit reporting agencies to validate the information and their claim is verified through you. Can you please confirm or deny that your office reported this bankruptcy to the credit reporting agencies? Please explain to me how youre able to willfully violate the XXXX. The FCRA prohibits furnishers from furnishing any information relating to a consumer to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681s-2 ( a ) ( 1 ) LexisNexis made XXXX clear that the Bankruptcy report contains errors, sometimes entered inaccurately, processed poorly or incorrectly, and is generally NOT free from defect. 

Chapter XXXX Bankruptcy : Case Number : XXXX Date Filed/Reported : XX/XX/year> Court : XXXX XXXX XXXX XXXX XXXX Bankruptcy - XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item 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 this item is being reported correctly? Who verified this item? 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 item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX reported to my credit report XX/XX/XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XX/XX/XXXX with the amount of {$540.00} being owed. None of the information XXXX XXXX XXXX is reporting is accurate, along with the fact that I was never notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a dispute to the 3 credit companies threw XXXX XXXX. I was a victim of identity theft. I have addresses I was not associated with on my credit profile places of employment, collection accounts, and bank accounts all that were not associated with me. I have provided all the paper work and proper documentation and legal information pertaining to my situation and how its affected my credit from fraudulent. Once the disputes were all finalized the addresses and fraudulent accounts were removed and put my credit score to XXXX. XXXX and XXXX removed some of the fraudulent accounts but left some and etc. Im sending the proper dispute to have these items that were not related to me removed and COMPLETELY fixed this has ruined me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, never gave, TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding unauthorized inquiries on my credit report, which were processed without my consent. My personal information was compromised in data breaches in XXXX and XXXX, and I recently filed a fraud report regarding these unauthorized inquiries. Additionally, I have sent dispute letters to all three credit bureaus requesting the removal of these inquiries. 

Below are the unauthorized inquiries on my credit reports : 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 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 I request that the CFPB investigate these unauthorized inquiries and ensure their removal from my credit reports. Given my history of identity theft, I also request additional safeguards to prevent future fraudulent activity. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting.
Product: Debt collection

I don't owe a debt to XXXX. I changed my phone number and started to receive the following text message prior to XXXX am PST : " We have limited time to work with you before we return your XXXX XXXX XXXX - for which the current creditor is JEFFERSON CAPITAL SYSTEMS LLC ) account to our client. See your options at XXXX or call XXXX. This text is from XXXX XXXX, a debt collector The law limits how long you can be sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC can not sue you for it. If you do not pay the debt, JEFFERSON CAPITAL SYSTEMS LLC may report or continue to report it to the credit reporting agencies as unpaid. Reply stop to opt-out ''
Product: Mortgage

I was a XXXX XXXX XXXX  and was going through a XXXX  in XXXX when I went into forbearance. I struggled in a tough market and decided to take my safe test and get into mortgages to have more job security. I started a home modification last year with freedom mortgage along with submitting info to XXXX  in hopes of getting back on track. Ive been back and forth with freedom mortgage. XXXX set of docs they sent out had my ex husbands name and I said he was not on the deed and needed to be removed and sent in deed to show he was not on XXXX said I was still protected in loss mitigation. This has gone on for months! I kept following up monthly with a different banker giving me the same story that I was protected. I got a statement in XXXX to make a payment and I called to do so and the banker told me a different amount then what I had and gave me some story. Then said I didnt need to make the payment at all as I was still in mitigation. I went ahead and paid {$1500.00} as it was the holidays and figured I was still protected that I could use the extra money for XXXX. My docs came in and I signed and had had them notorized thinking my XXXX payment would be XX/XX/XXXX. I called to make my new payment and was told I was to start making those payments in XX/XX/XXXX and owed around XXXX on top of my new XXXX XXXX. I immediately asked to speak to a supervisor and was directed to XXXX XXXX who said he would be my point of contact since no one was giving me the correct info. A few days after I spoke with XXXX  I received intent to foreclose on my home and I reached out to XXXX  who said it was a standard letter not to worry. Ive reached out to XXXX  multiple times since trying to get updates regarding the XXXX and no response. I received new docs to sign this wk to sign with my XXXX XXXX  name again on the statement. Since I had sent XXXX additional emails to XXXX  with no response I sent another stating that I would go above him if I didnt get answers as to whats going on and still no response. I reached out to XXXX back in XXXX where my status as of XX/XX/XXXX still says under review and they responded to be patient. I just want to keep my home for my children and pets and no one seems to have it together or no whats going on at freedom. Clearly if I had XXXX at this point Id pay it! XXXX reaching out to you along with speaking to an attorney tomorrow who Ive obtained through XXXX XXXX  who I work for now in hopes to get this settled as its very unsettling and causing me nothing but stress!
Product: Vehicle loan or lease

I have a loan through a previous lender XXXX XXXX. They've sold the loan & didn't properly allocate all my payments to the loan NOW resulting in my vehicle being repossessed right before XXXX. I've contacted them via email to correct this but unable to resolve. I've contacted my banks to provide additional payment info. I've located two additional payments not provided on the ledger they've kindly sent you. I'd like my loan recalculated removing all inapplicable late fees. My vehicle returned & my loan paid in full. I am not happy with the results because I'VE TRIED TO RECONCILE WITH the CFPB & my new lender.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes, Furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( FILE No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility The following is a description of the identity theft incident : I did not open these accounts. These accounts are not mine. Im sure I didnt open that in my name. Had an unknown phone number or phone call to Where my Identity was breached.

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. 
* Harassed by debt collector or creditor. 
In addition, I have lost 40 hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services.

I have no information regarding the identity thief. 
I have contacted the following credit bureau ( s ) : XXXX : * regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
I have had the following problems with XXXX and XXXX : XXXX  I have not had any problems with any credit bureaus. 
I have not contacted the police department and filed a police report. Therefore, no police report is attached. 
Please contact me if you have any questions or need additional information. I can be contacted by phone at XXXX. I may be contacted by email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

For some time now I have a financial account with the PayPal company. Recently I was informed by the company that my account is permanently limited which means that I can't use the account anymore. The reason listed for this decision was " activity in your account thats inconsistent with our User Agreement ''. 
I feel that this decision was made by mistake, all my account information is correct and I never missed a payment on PayPal loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the company to rerun my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate reporting information on my credit reports thats not being removed with Equifax Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I think I paid on time. This just proves that EXPERIAN Credit Bureau lacks proper record keeping. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately.
Product: Checking or savings account

I used a atm and didnt receive my cash I filed a dispute with my bank and my claim was denied even though I provided the necessary evidence to support my claims my bank refused to give me my money back even though a error definitely occurred they failed to reinverse me XXXX chime is a horrible bank
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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: 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 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.