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

Hello, I was using the MoneyGram service a few times and it was always a huge problem to get money from them.

It takes days, sometimes weeks to get the money.

Even the senders are suffering to get it back. 
The internet and their XXXX page are full of complaints and XXXX is suing them now. 
Here is the article about it https : XXXX? XXXX My parents sent me money from XXXX because I lost my job and can't pay rent. 
It is urgent. 
And they are not giving me money trying every possible way not to give it to me. 
Now they want my not XXXX speaking step-dad to call them from XXXX to fix the problem. 
But problem was created by them. 
I checked this morning about money availability and their webpage said go get it. 
I went. 
And there is a XXXX. 
I have a screenshot of their answer that I've got the money and can get it at any location. 

Because it is not the first time, I checked their XXXX page and it is full of complaints and swearing bout their service. 
They are con-artists indeed. 

Please, help. 

My family is loosing apartment and has to go on the XXXX  with XXXX years old daughter. 
I need my money back. 

Thank you for helping. 

Best. 

XXXX XXXX
Product: Debt collection

CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us XXXX weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/year>, an individual, or individuals hacked into the email server of my general contractor ( XXXXXXXX XXXX a texas based company ) and intercepted emails between the contractor and my bank XXXX XXXX regarding a legitimate transaction. They then created a fraudulent account at Citibank under the contractors name and requested funds be wired to that account sending an email from my contractors server. On XX/XX/XXXX, I, on behalf of XXXX XXXX wired {$660000.00} to this account at Citibank. The next day XX/XX/XXXX when the contractor had not the received the funds they reached out to me and I forwarded them the emails and it became clear some fraudulent activity had occurred. I notified XXXX XXXX  immediately and on XX/XX/XXXX, filed a complaint with the Internet Criminal Complaint Center ( XXXX ) and my local police. Later that day an FBI agent called me and advised me he had contacted Citibank and XXXXXXXX XXXX needed to issue a recall and send a letter of indemnification which XXXX had apparently already done. Since then XXXX XXXX, myself and the contractor who had a fraudulent account created in their name have tried to get information on the funds from Citibank directly unsuccessfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I sent a letter requesting to verify and validate debt on XX/XX/XXXX and to give me information that they are able to collect. I also informed in the letter that I have not received any information from them about the debt they are attempting to collect I was not aware. So on XX/XX/XXXX submitted a disputes with all three credit agencies as unknown or dont because I did not know this was a debt that was being collected on only response was that the information was accurate and nothing else. They have also updated on my credit every month under two different names Resurgent and LvNV funding. They have two accounts reporting negatively on my credit report and is preventing me from buying a home. This is not right I did not know that they were attempting to collect any thing.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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: Checking or savings account

I am writing to file a complaint against Navy Federal Regarding multiple Overdraw fees I have incurred. despite having sufficient funds When transactions We're authorized. I was charge fees due to lagged posting of charges and credits. this issue aligns with CFPB Findings against Navy Federal For similar practices, Were transactions settled with insufficient Balances Despite initially available funds. I believe These practices are unfair And request an investigation Into my account transactions.
Product: Mortgage

I closed on a FHA Loan from XXXX XXXX on XX/XX/XXXX, that is because they told me I didn't quality XX/XX/XXXX but I did. The loan was audit/Closed, same day. The loan was sold to XXXX XXXX Mortgage, without my approval. XXXX XXXX XXXX XXXX XXXX XXXX, took XXXX dollars from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX we was in the Foreclosure Court with XXXX XXXX Firm representing XXXX XXXX, and they towed my truck. XXXX XXXX law firm rushed my wife into signing all documents before I had the chance to get her to understand the house should not be added. They used her income. I just got back in the workforce, after XXXX Properties let me go XX/XX/XXXX, because they was caught by XXXX, frauding my identity/business, still was denied unemployment Claim from XX/XX/XXXX. I know we are supposed to have a comfortable payment, but instead they wanted XXXX a month for 60 months. I was told in the XXXX  meeting on XX/XX/XXXX that I needed not talk because the other guy wasn't pleasant. but this is who I suppose to trust. Same individuals who took my car after our XXXX Bankruptcy closed and A XXXX lien was attached to XXXX XXXX XXXX XXXX XXXX NC, XXXX to XXXX, still was about to get a house. My business insurance was to be audited a year from start date, state farm never told me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a buch of inquirys for a car that i wasnt trying to get or never applied to
Product: Credit card

In checking my credit report, Capital One has not reported to XXXX since XX/XX/XXXX. This is effecting my livelihood as my family and I are trying to purchase our home. Due to building credit I am short XXXX credit point. My lender has stated that if capital one would update I would have the score I need to goto closing. I feel they are in violation of the fair credit reporting act and are not reporting monthly as they are required!
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I had my truck towed in to shop for repair ( XXXX XXXX ) during this time I lost my job and called XXXX XXXX to ask if they could work with me while I find work.. they was very nasty and said that they needed to pick the truck up on repo... I told they that I surrender the truck and where the truck was located, which they knew because the truck had a tracking system on it ... they call me a year later asking for truck I replied you said you was picking it up, far as I know they did pick it up at some point. However they send me letters every month asking for balance that was remaining on truck in XX/XX/2018, they report in to credit agencies every month that I'm late and passed due... I tried taking with the credit reporting agency and XXXX XXXX about this, however you can't talk to XXXX XXXX they are not nice at all and credit agencies will not truly investigate and fix the reporting errors .... I paid and still pay credit repair company but they same to get same response .... I done research a this is an ongoing problem with XXXX XXXX... aswell as credit agencies allowing this type things to happen over and over by same company... .this has be going on for 4 years, haven't had that truck that long and it still being reported as if I have it and late pay every month... that fraud within itself ....
Product: Credit reporting, credit repair services, or other personal consumer reports

{ Credit Bureau : XXXX, Transunion } { Credit Bureau : Address { XX/XX/2018 } RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made. 

I contacted [ 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 ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ [ 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 ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit card

I recently Checked my credit report, and I found those Charges on my Credit report. Please delete them because they hurt my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app XXXX Block Inc ) due to inadequate customer service an unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations.
Product: Credit card or prepaid card

In the month of XX/XX/2021 I applied for an American Express card, which included my social security card, also known as my open end credit card per 15 USC 1602 ( l ). American Express denied my application but was paid by my open end credit card. On XX/XX/2021 I forwarded a letter, which detailed the above, and also included the remedies sought by this writer. To date " American Express '' has not responded, the letter also explained that they " American Express '' are civilly and criminally liable per 15 USC 1611 and 145 USC 1692 ( k ). My desire is to resolve this outside of Federal Court. The Adverse letter that received from them is not in compliance with Federal guidelines per 15 USC 1681 ( m ). If American Express doesn't resolve this issue with me I will file a lawsuit against them. They only seem to listen to LEGAL action. Please look into this while I start my legal claim. I have already consulted and hired an attorney who handles issues like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE 3 CREDIT AGENCIES : TRANSUNION, XXXX  AND XXXX  ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL XXXX BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. IM DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO GS STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...
Product: Credit card or prepaid card

This is a follow up complaint to the previously filled complaint # XXXX.

I rented a car online during my trip in XXXX during my trip in XX/XX/XXXX. During this trip, I got a minor vehicular rear bumper damage & later I was charged {$1000.00} for this minor damages.

I complained about it repeatedly to the Bank of america for being overcharged in addition to the fact that the damages supposedly were to be covered by the Car rental waiver program for which my bank of america Credit card was part of.

But Bank of America denied my claim.

Later the XXXX XXXX XXXX XXXX compensated part of the damages by paying me only {$880.00} & stating the XXXX XXXX XXXX   has overcharged me as much as {$240.00}. ( the copy of the XXXX XXXX XXXX   is enclosed ) I wrote back to the Bank of America, but it was right up front denied once again.

Needless to say that I paid the total charges of {$1000.00} to the bank of America.

I am very unhappy with the way this bank has responded to my complaint.

They never responded to my specific complaint, rather each time simply sent me a general letter stating that they did not find any fraudulent charges on my account by XXXX XXXX car company. never ever addressed any of my specific disputes details.

I am requesting the Bank of America to reopen this dispute with regard to XXXX XXXX car company for the amount of {$240.00} and give me credit for this amount, since it is obvious that I was right all along and the bank should have investigated my complaint/dispute more carefully instead of sending me repeated general denial letters without referring to any specifics of my complaints.
Product: Credit reporting or other personal consumer reports

The credit bureau, ( XXXXTransUnion ) has allowed an account from XXXX XXXX XXXX to be reported without properly verifying its accuracy. This account has no identifiable account number, is misrepresented as Original Creditor, and was illegally re-aged. Despite disputing this with the bureau, it has remained on my report, resulting in a significant credit score drop. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy and completeness of reported information. I am seeking the immediate removal of this inaccurate account and for the bureau to enforce proper verification standards moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Incorrect Information Reporting on Credit Bureau Dear Sir/Madam , I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a persisting issue regarding the incorrect information that has been reported by credit bureaus from XX/XX/XXXX to XX/XX/XXXX. Despite my attempts to rectify the situation, the credit bureaus continue to report inaccurate details, including incorrect amounts and dates. 

I have recently taken steps to address this matter by contacting the credit bureaus and providing them with the necessary documentation and evidence to support the correction of the inaccuracies in my credit report. However, to my dismay, their response has been unsatisfactory, as the incorrect information persists on my credit report. 

The inaccuracies reported by the credit bureaus have had a significant negative impact on my financial profile and creditworthiness. This has proven to be highly detrimental, as it has affected my ability to secure favorable interest rates, obtain credit facilities, and even hindered my chances of gaining employment in certain sectors that require a thorough credit check. 

I kindly request the assistance of the Consumer Financial Protection Bureau in rectifying this matter. I believe that it is within your jurisdiction to intervene and ensure that the credit bureaus accurately report my credit information. I am confident that with your involvement, a resolution can be reached, and my credit report can be updated to reflect the correct and accurate information. 

Please note that I am available to provide any additional information or documentation required to facilitate the investigation and resolution of this matter. Additionally, I understand that certain personal information may be necessary later in the process for identification purposes, and I am prepared to provide such information when requested. 

I would greatly appreciate your prompt attention to this matter, as it has caused significant distress and inconvenience. I trust in the abilities of the Consumer Financial Protection Bureau to ensure that consumers like myself receive fair treatment and accurate reporting of their credit information. 

Thank you for your time and consideration. I look forward to a favorable resolution to this matter and appreciate your efforts in assisting me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXXXXXX XXXX. I received a call from XXXX Wells Fargo about " fraudulent '' activity on my account. The person identified them self as XXXX XXXX employee number XXXX. XXXX " scammer '' reviewed 15 transactions as various locations/vendors in Texas. I confirmed I did not have a transactions matching the described activity. XXXX than confirmed a recent deposit in my personal account shared with my mother. They gave the amount and who the deposit was from Social Security. They said the had identified the perpetrator as a XXXX XXXX XXXX. They asked if I wanted to press charges and I said absolutely yes. He, XXXX said my accounts would be frozen and or closed for pending investigation. On XX/XX/XXXX I logged into my XXXX account and saw many transactions and became very suspicious. The same person and number called back around the same time of day. He said he was calling to give me my new account number. New Account # XXXX. I then said I wanted to call back the number to verify his information. He agreed. I called the same number and reached a Wells Fargo representative who I believe identified herself as XXXX. XXXX asked XXXX for his XXXX number (? ) he gave her XXXX. She said she could not verify him. I said okay I will go to a branch to verify. He stayed on the line while I was driving and then as I entered the bank dropped the line. I was informed at the branch that I had multiple cash advance attempts on my personal credit card that had been declined and a cash advance on over XXXX on my business account as well as two wire transfers one from each account both for XXXX. The first wire was to XXXX XXXX to XXXX XXXX XXXX from my business account and the second was from my personal account to XXXX XXXX XXXXXXXX for XXXX XXXX XXXX. I contacted my financial advisor who helped me contact the fraud department to open a case for all of the activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX {$0.00} Balance updated XX/XX/2020 Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/2020 Account type Revolving Usage : 0 % Balance on XX/XX/2020 Credit Limit {$0.00} {$25000.00} Payment Info Status Pays account as agreed Status date XX/XX/2020 Past due amount - Highest balance $ 67 Monthly payment - XXXX {$0.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2020 Account type Revolving account Balance on XX/XX/2020 Credit Limit {$0.00} {$8000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/2020 Past due amount {$0.00} Highest balance {$7300.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 - - - - - - - - - - - On Time - Data Unavailable