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

Initiated a domestic ( US ) transfer of {$2900.00} on Western Union on XX/XX/year> to myself using its mobile app. Delivery method is through bank transfer. 

Problem : The transfer status was stuck at " in progress '', the money has not been sent till now. 

Western Union either needs to cancel the transfer and refund the money or complete the transfer. 

Tracking number of the money transfer ( MTCN ) : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violated the consumer financial protection act ( CFPA ). Specially, 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 ( EFTA ) And Regulation E. These action have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

Citibank closed my accounts unfairly and without providing a reasonable explanation. Moreover they went as far as closing every credit card that I had, effectively ending the relationship with me as a customer, including my business card for which I had recently signed up while being promised a credit card bonus, which they never honored. 

I understand that Citibank and any other credit card company has the right to choose its customers, but I've also taken a credit hit by applying for and accepting Citibank 's products. At the very least, I feel that they owed me a warning if I did anything that violated the cardholder agreement. The reason given to me for closing my accounts was that " the use of the cards was not consistent with other customers ''. I don't believe I violated the card holder agreement in anyway and don't feel that it was fair for them to close my accounts.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

We applied for a convention loan with a XXXX  Score of XXXX in XX/XX/XXXX. We were DENIED this loan due to FORECLOSURE documentation listed by Wells Fargo, on a property at XXXX XXXX XXXX XXXX XXXX, CA XXXX. Account XXXX XXXX. This loan was paid in full as per documentation from Wells Fargo, and per a settlement agreement in XXXX, which agreed to NO FORECLOSURE and DELETE THE TRADE LINE. A letter was sent to XXXX XXXX XXXX XXXX XXXX, with no resolutions. ( Letter Attached ) The reporting in VIOLATION of the Settlement Agreement has DENIED us a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is repeatedly and continuously reporting inaccurate names and addresses on my credit report no matter how many times i dispute the information, send in verification, documents or request correction. This inaccurate information is giving unknown creditors leeway to report debts that do not belong to me to be reported under my credit report. I have been battling with Experian to correct my information since 2016 and I still have not had this matter resolved successfully. What they are doing is immoral and illegal and should be dealt with accordingly.
Product: Debt collection

I have received several calls from XXXX in an attempt to collect a debt. I have pulled my credit report and there are no accounts in collections. They keep calling from different phone numbers. The calls begin around XXXX AM and I receive several calls throughout the day. I have nothing in collections and all of my accounts are in excellent standing. I have worked so hard to improve my credit and I pay all bills on time always. 
I looked at the complaints on the XX/XX/XXXXwebsite and there are hundreds of complaints that are similar to mine.
Product: Debt collection

Lvnv Funding Llc has violated my rights under the FDCPA and the FCRA as they have been informed the debts involving XXXX and XXXX XXXX that they have purchased are the results of fraud. XXXX and XXXX XXXX were reluctant to wait for the XXXX police department to finish their investigation. I had to gather documentation and evidence over the last 12 months of how the fraud occurred under my name. The police reports have been finalized. 

Lvnv Funding Llc willingly reported the debts anyways to all 3 major credit bureaus with knowing the debts were a result of identity theft and fraud. 

police report numbers REPORT NUMBER : XXXX REPORT NUMBER : XXXX Detective XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 
Account XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX  account XXXX. XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  account XXXX. 
Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, the consumer agencies, XXXX, EquIfax and XXXX mislead me using its own credit scoring they called FICO Score. In turns out that the Score reported to me by the above mentioned credit reporting agencies was not the score actually used to decide whether or not I got a Mortgage loan. In its advertising, XXXX falsely represented that the credit scores it marketed and provided to me were " FICO Scores. '' In fact, I was turned down for an Mortgage Loan by several lenders because Lenders do not use the same Scores XXXX, Equafax and XXXX sold to me. In fact there were significant differences of approximately XXXX points between the FICO Scores that Experian provided to me and the various credit scores lenders actually use. As a result, XXXX, Equifax and XXXX credit scores in these instances presented an inaccurate picture of how lenders assessed my creditworthiness. The result is I have been turned down for a Mortgage Loan.
Product: Checking or savings account

I have been sent money that they owed me from my coworkers and I have never received the money. Also my phone number associated with my account is wrong. My correct phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number - XXXX Account status - Closed Date opened- XXXX XXXX, XXXX Account type - Auto Lease
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD, against my wishes fraudulently placed their credit card on my Experian and XXXX credit reports. This new tradeline with such a small limit adversely affected my credit score. I have demanded that XXXX XXXX close the account, which they have, however, it remains incorrectly reported as open on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report, that does not belong to me and I want it removed. 
Details below Name of Company XXXX XXXX Account Number # XXXX COLLECTION Opened XX/XX/19 Amount {$220.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Unauthorized Credit Inquires on my report XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX Credit Plus Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX Data Inquiry Date XXXX XXXX Factual Data Inquiry Date XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to bureaus that child support contract was cancelled. They're still reporting it negative as closed in 2017 and last paid in XXXXplz help..this is hurting me badly with frustration, undue stress, and negative credit worthiness..Thanx
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : American Express Account number : # XXXX American Express and the 3 credit bureaus ( XXXX , XXXX and XXXX ) have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by American Express and the 3 credit bureaus. American Express and the 3 credit bureaus have been and are reporting my account as managed by credit counseling program which is not true. I called, contacted American Express and the 3 credit bureaus through certified mail and fax and disputed the inaccurate information multiple times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but American Express and the 3 credit bureaus insisted in breaking the law and violating FCRA ( Fair Credit Reporting Act ) and reporting inaccurate information on my credit report. The furnisher of this inaccurate information is American Express. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to American Express and all the 3 credit bureaus that this account was and is still a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from American Express or all the 3 credit bureaus of their inaccurate information and I didnt receive it from all of them. Since neither American Express nor all 3 credit bureaus have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to American Express on XX/XX/XXXX : XXXX Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX  on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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

In accordance with the Fair Credit Reporting Act XXXX account number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that i have the right to privacy 15 U.S.C. 1681 section 602 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

On XX/XX/2020 I sent a certified return receipt request letter requesting a QWR 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) to my mortgage attorneys XXXX XXXX XXXX in XXXX, Florida, attorneys for my mortgage lender Gregory Funding who I send a carbon copy of my QWR, on XX/XX/2020 ( first violation and false statement since they indicated they had receive my letter on XX/XX/2020, a copy of certified return receive is attached as well a copy of the USPS confirmation delivery on XX/XX/2020 ) I received a confirmation received letter Dated XX/XX/2020 by my Mortgage lender Gregory Funding, in this letter they stated they had received my QWR and they will investigate my inquires and typically provide me with detailed response within 30 business days from the day they receive my correspondence. As of today XX/XX/2020, they have not responded to my QWR passing 52 days violating RESPA rules ( Second violation ). 
They had also violated RESPA rules, how they had violet, by : 1. Failure to apply my payments correctly 2. Charging improper fees 3. Starting a foreclosure sale in violation of regulations 4. Fail the State of Florida Executive Order 20-180 signed by governor XXXX XXXX on XX/XX/2020. 
XXXX. Making and error in the servicing of a mortgage loan 6. Failing to properly credit a payment when proof of receipt is provided 7. Fail to provide a writing response, acknowledging receipt within 5 business days of receiving my QWR certified return receipt letter 8. Fail to respond to my QWR letter within 30 business days under 12 CFR 1024.36, Subpart C, 1024.36 ( d ) ( 2 ). 
Prior to this request on XX/XX/2020 I had requested a Notice of Error 12 CFR 1024.35 to my lender Gregory Funding and their Attorney XXXX XXXX XXXX responded on XX/XX/2020 stating that Gregory Funding has reviewed the accounting in connection with my complaints multiples times and has determined in good faith that no corrective adjustments are necessary. ( see attached communication letters dated XX/XX/2020 from borrower and XX/XX/2020 from XXXX XXXX XXXX, attorney for lender Gregory Funding. 
On XX/XX/2020 I apply for a loan modification ( see attached email with information corresponding loan modification ). 
On XX/XX/2020 I received and email with a letter attached from attorney XXXX XXXX XXXX indicating that Gregory Funding XXXX, LLC, and Gregory Funding LLC have already responded thoroughly and repeatedly to my redundant questions ( see attached letter ). They also indicated that if I have an alternative calculation of my indebtedness to provide them by Monday XX/XX/2020, allowing me to provide them with a resolution in ONLY 3 business days, like rules does not exist on my favor. 
I call today Monday XX/XX/2020 around XXXX XXXX and spoked with XXXX, a Gregory Funding agent representative regarding information on my loan modification and she indicated me that my loan is in foreclosure that there is no loan modification.
Product: Bank account or service

On XXXX/XXXX/15, I attempted XXXX purchases with my debit card issued by XXXX XXXX XXXX XXXX. Both were declined although I had funds in my account. I visited the credit union on XXXX/XXXX/15 to see what happened. The representative informed me that the debit card issuer STAR determined that my card was compromised and cancelled it on XXXX/XXXX/15. I had received a new card, but did n't activate it because there was no explanation issued with the card about why my current card was being replaced.Although my card was cancelled on XXXX/XXXX/15, no one informed me and I continued to use the cancelled card until I was embarrassed in a restaurant trying to pay for lunch.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Update XXXX XXXX Dear Experian Customer Service, I am writing to request an update to my payment information for the month of XXXX regarding my account under the name " XXXX. '' As per the Fair Credit Reporting Act 1681i, I understand that if any item of information contained in my consumer file is disputed, I have the right to notify the agency directly. I am formally disputing the accuracy of my current payment information and request a reinvestigation of this matter. 

Please update my records with the correct payment information and provide me with a confirmation once this has been completed. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

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

I am a victim of identity theft. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX.
Product: Checking or savings account

On   XXXX     I made a purches for the amount of {$100.00} to  XXXX . My online account balance reflected that same amount being charged and withdrawn from my account that day as well as the balance after the charge. On   XXXX   my account balance shows {$140.00}, I was charged {$100.00} again by the bank on  X/XX/17    for the purches I made on   XXXX   with no reflection on my account statement of the transaction being made on that   XXXX    . I have the reciept from  XXXX  that shows the transaction did go through on  X/XX/17    but the bank has no record of it being made or has lost the record of the purches on that date. I called the bank and they said there was no purches made on the reciept date and, my account is now overdrawn because of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I spoke with a Transunion agent as I was trying to get to the FRAUD unit to dispute two inquires that fraudulently appeared on my credit report because a freeze had been lifted. I told the agent of my concern that there was still access to my credit file even with the FREEZE. I asked if there was a system like XXXX, where I could setup a security code to stop anyone from accessing my report. The agent said he didn't do that in his unit, I had to be transferred to the FRAUD unit to dispute the XXXX XXXX XXXX and XXXX XXXX inquires. I asked to be transferred and he said he could not do that. When asked why, he said I didn't have a legitimate reason to be transferred. When I asked for a supervisor, he hung up on me. I am asking Transunion to allow me to use a special code in order to access my report and remove the FREEZE. This way no other fraudulent inquires will appear. I am asking Transunion to remove the fraudulent inquires of XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the following items will be repaired as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

The student loan that I 'm complaining about. Transferred my account without me being informed by phone or letter. Then they put a 30 day late on my account this is from 2009. They closed the account and now it 's been updated on my rcredit report as of this week cause I disputed they in accuracy on my report. I do n't own this account and I do n't owe them anything. They even said on my credit report that I 'm not responsible for this debit. Can you please help me to get this removed. It 's showing on all XXXX credit reports now. Please help. When I called XXXX and XXXX they told me I had to pay them to have them check my report. This is not right. I have work so hard to build my credit and it went down because of tbis issue XXXX points. I 'm so upset about this.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$600.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$2300.00}