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

Hello. 

I ordered international money transfer to XXXX via MoneyGram. By the time I requested this transaction, all MoneyGram system in XXXX was down which MoneyGram didnt let me know. My receiver in XXXX went to MoneyGram agents everyday since XX/XX/XXXX. The system is still down. I just called MoneyGram to ask about it and they said that they didnt know because they dont manage all their agents. The money was supposed to transfer in few minutes and thats why I paid extra transaction fee. But its been 10 days. I requested the refund but refund process will take 3~10 business days. I asked them to check their system and how long it will take to recover. However they said they dont have connection with all the agents. I would like to check MoneyGrams policy and their management. If they dont manage all their agents and system, they should not promise instant money transfer and to let their customers money get stuck. It was important and urgent transfer. If they cant transfer that money to receiver as they promised, at least they should refund right away. I dont want this happen to others. Please check this company and let me know. Thank you for understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was NOT mine. I filed a FTC report pertaining to this account and the illegal use of my information and afterwards it was removed from all of my Credit Reports including this TransUnion Report. Some how this account was added back to just TransUnion. This is a violation of Federal law and unacceptable that I am being violated in such a way. I will include my Identification Card baring my current address and my social security card both for proof of identity and my current I.D card is proof of my address as well because I don't have any bills or statements in my name my Identification card will have to suffice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint and uploaded documents and the credit bureau didn't respond in the appropriate time frame. complaint number XXXX
Product: Debt collection

I am disputing a debt with AmSher Collection Services and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that AmSher Collection Services has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. I am filing this complaint to request assistance from the CFPB in ensuring that AmSher Collection Services provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

compass bk pulling my credit XXXX XXXX XXXX XXXX and XXXX  having isssue removing my fraud alert with all 3 's XXXX, XXXX, and XXXX ftc law was put in place to have this done in 1 hour of the request read ftc guidelines XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I applied for a small personal loan online. I was directed to XXXX XXXX XXXX. I was misled and misinformed by the agent who spoke with me. I was never told about the interest being {$3100.00} on a {$1000.00} loan. I also feel like the online form that I signed has been altered or changed. The payment schedule was not posted. I never would have signed that. This seems completely fraudulent and misleading. I can not afford {$3100.00} on a {$1000.00} loan. I have closed my checking account to stop this company from collecting an insane amount of money for the amount loaned. There was no transparency with regar to their gouging practices. Shameful business. This business obviously preys on people down on their luck financially and then robs them via their bank account. Do NOT do business with them. They are thieves.
Product: Credit reporting or other personal consumer reports

Today I noticed that there are unauthorized inquiries on my credit report, and I dont understand why theyre there. My credit report usually looks fine, but this time its showing errors that werent there before. Refreshing the browser didnt help, and I am really frustrated. Please review the documents Ive sent thoroughly so this problem can be resolved for good.
Product: Mortgage

During housing crisis XXXX purchased my mortgage from XXXX since I had never missed a payment since purchasing it in XXXX. Once I was ONE day late & XXXX notched my credit. In XXXX XXXX I unexpectedly retired & went to XXXX to help my daughter XXXX ( XXXX ). I got into credit card trouble & declared bankruptcy in XXXX XXXX. The attorney told me to stop paying XXXX since house was a rental & see what courts did. ( Bad advice ) XXXX transferred note to their bad debt subsidiary Shellpoint. When court allowed me to keep house, I immediately caught up all payments and fees. Since I live on social security income, I applied for Loan Modification. Denied. They said I had too much equity in the house because they said appraisal was {$110000.00}. I owe $ XXXX. Having done real estate, I researched XXXX and made a list of listings and sold and sent it in. They said they did n't get it. I sent it again ( see 2 attachments ). Denied because they held to their fraudulent appraisal. This was an appraisal by DRIVE BY ( against all standards ). Never made any effort to contact me or tenants and impossible for them to enter rear yard due to dog. This appraiser probably sat a computer and read the average price of home at that time in this neighborhood, which ironically, was {$110000.00}. But never checked square footage or comparable. Mine is a XXXX XXXX bath home of XXXX sq ft. On attachments, you can see the comparable square footages. However, there is a {$120.00} other fee showing on Shellpoint website. The first rep said not to worry about it, unimportant. Later, a second rep said she did n't know what it was for. The other day a third rep told me it was for the DRIVE BY APPRAISAL. I 'm now planning to sell the house ( in large part to be done with XXXX forever! ), but I know they will charge me for that unethical, fraudulent appraisal. They would n't give me name of firm, although I wanted to file a complaint with the XXXX XXXX ( appraisers ). The sum experience is that I believe there is collusion between appraiser and Shellpoint. That they want to foreclose and get rid of this loan because the equity is there. They wo n't lose money. They defeat the purpose of the Loan Mod Program. It 's not to assist people like me. They made it so difficult to apply. Twice I had to send in the application, then twice send the comparable sales. My request of you is to have Shellpoint drop the {$120.00}. fee for the " appraisal. ''
Product: Mortgage

I have an adjustable rate mortgage. I am also a XXXX XXXX XXXX that goes onto XXXX XXXX regularly. Recently, the rate for this mortgage was set to adjust to a new high of 7.5 %. I therefore applied for a rate cap of 6 % under the terms of the Servicemembers Civil Relief Act ( SCRA ). I meet the qualifications under the law. However, Bank of America adds stipulations that are not in the law. Specifically, BOA claims I can not apply for SCRA benefits because I was XXXX XXXX in XXXX when I first obtained the mortgage with Countrywide ( BOA bought Countrywide in XXXX ). However, I soon after was XXXX XXXX from XXXX XXXX. I have mostly been a XXXX ever since, but I've joined the XXXX XXXX XXXX and have recently served again on XXXX XXXX, which is when I applied. 

The 50 U.S. Code 3937 states " An obligation or liability bearing interest at a rate in excess of 6 percent per year that is incurred by a servicemember ... before the servicemember enters military service shall not bear interest at a rate in excess of 6 percent ... '' and 50 U.S. Code 3911 defines military service means... XXXX XXXX, as defined in section 101 ( d ) ( 1 ) of title 10 '' and " The term period of military service means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. '' That is, the period of military service ends when one is released from service. I left the service from that previous period when I first obtained the loan with Countrywide. I have since joined the XXXX XXXX XXXX, recently again served on XXXX XXXX ( as defined in USC Title 10 ), and therefore this is an entirely new XXXX XXXX XXXX XXXX XXXX XXXX' as defined by the law. This recent period of service means a loan previously obtained before this service is therefore eligible for the 6 % rate cap. BOA refuses. They told me by phone, they do not consider me to have ever left the service. This is factually false, as I have a XXXX to demonstrate I was XXXX XXXX from the service back in XXXX, thus making my recent service in the XXXX XXXX XXXX a separate and new period of military service. 

BOA is violating the law. They owe me 1.5 % compounded interest excess refunded on my mortgage since my initial application, and a rate cap of 6 % for 1 year following my most recent application, and must honor future claims when I serve again on XXXX XXXX. 

Moreover, if I am a victim of BOA 's failure to follow the law, undoubtedly many other military members are as well. CFPB should consider a thorough investigation into BOA 's SCRA practices. It should be noted, BOA has a history of SCRA violations, and in XX/XX/XXXX, the Office of the Comptroller of the Currency ( OCC ) assessed a {$30.00} XXXX civil money penalty against Bank of America due to SCRA violations. https : //www.occ.gov/newsXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity to open a credit card at the US Bank in XX/XX/XXXX. The card was regularly used in XXXX and XX/XX/XXXX and was closed due to no payment. The physical address, phone number, and email address are all fraudulent ones on the US Bank records. I was not in the US from XX/XX/XXXX to XX/XX/XXXX, and I contacted the US bank that this was a fraudulent account. On XXXX XXXX  XXXX, I have signed and filed back the Statement of Fraud the US bank send to me with the supporting document, such as my passport, border stamps, driver license, and other documents to prove I am not in the US when the card was opened and used, and my residency was not the same with their records. The Statement of Fraud also has my signature, which can not be the same as their collections. I also report this identity theft case to the police department and all credit bureaus. I asked 3 credit bureaus to remove this fraud item from my credit report. 

However, I have received reinsertion notifications from XXXX and XXXX on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. They said they finished the investigation and the US Bank submitted a certification that the account belongs to me. 

I do not agree with the investigation result and believe the US Bank doesn't even want to try to check the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion furnished 2 items on my consumer report that where fraudulent and deleted the items proving they did not investigate the items initially to furnish them on my consumer report cuasing me harm, deletion is admission to this and I demand remedy for these law violations. Please see attachments
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Debt collection

I am not aware of this debt, Please help to remove from collection report / credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECTED the account in my Credit Report : XXXX XXXX  XXXX
Product: Checking or savings account

Bank of America closed my account on Friday XX/XX/XXXX and they have a pending closure date of XX/XX/XXXX. I was have not able to pay my late rent or car note because of this. I have not been able to provide food for my family. They have been giving me the run around as I explained that I need my money from this account to take care of my small children and pay my bills. I called them everyday XXXX  and XX/XX/XXXX and they still dont know when I will get my money. I explained this is creating a hardship and may cause me not to be able to pay my rent next month. They told me it could be 10 business days for them to even review my hardship withdrawal request. This is ridiculous. 


I had XXXX  direct deposit from my employer go into this account on XXXX  and they wont give me my money. Since I have not been able to get my money when they have the ability to allow me to withdraw my funds from the branch and close the account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a cash transfer to my friend XXXX XXXX ( $ XXXX  ) in the amount of {$100.00}. The money was not received by Mr. XXXX and the app actually displayed the word " refunding '' and showed a refund by date of XX/XX/XXXX. The amount shown to be refunded is {$100.00}. That money was to be returned to my Visa Debit card ending in the numbers XXXX. The Cash App identifier for that refund is # XXXX. 
I submitted a request for help with this transaction from Cash App Support because XX/XX/XXXX came and went and my money is still in limbo. I have also not heard any response from Cash App Support about this matter. I attempted to reach Cash App by telephone and that was impossible. 
I am still awaiting the return of my money. Any help that you can provide to me will be much appreciated.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX Overdraft charges. Charging me XXXX a month due to TIMING. My deposits were there but XXXX XXXX Bank would reshuffle where withdrawals were put before deposits. I changed banks and haven't had OD in XXXX years.
Product: Student loan

I was shocked when reviewing my credit report and found late payments on XXXX of my student loans on the date below : 90 days late as of XXXX XXXX I am not sure how this happened, as my loans have been in Forbearance for a long time due to my low amount of income. Each time my loans have come out of Forbearance, I have been diligent about contacting you to put them back in Forbearance. 

These late payments severely damaged my XXXX XXXX and it is not right.
Product: Credit reporting or other personal consumer reports

I was doing a review of my TransUnion credit report and I noticed inquiries that do not belong to me and are not mine. I have attached documentation. Please see attached.
Product: Credit card

I applied for a Chase Sapphire Reserve credit card in a Chase branch. However, the banker submitted an application for a Sapphire Preferred tier card instead. Additionally, I have ended up with several Chase credit cards but I only wish to carry XXXX so I would like Chase to 1 ) fix the Sapphire error by replacing my Preferred card with the Reserve card I applied for and 2 ) move the credit limit of all my Chase credit card accounts to the reserve card and close all other accounts but 3 ) before consolidating credit lines and closing accounts, please confirm that I will not lose any reward points accumulated on those accounts ... .in other words, since I will keep a reserve card active, all my existing points will stay as-is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department XX/XX/2023 To Whom It XXXX Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

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

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report immediately.
Product: Debt collection

Reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me.

Under code 15 USC 1692g this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was charged off several years ago however continue to update as past due. I have disputed. Attached documents shows last delinquency first reported as XX/XX/21 falsely damaging my overall payment history.
Product: Checking or savings account

Reopening of past case- Capitol One Bank can not provide access to Tenant security account and return of security deposits in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX is showing XXXX ACCT # XXXX date opened was XX/XX/XXXX which is incorrect. The original creditor XXXX XXXX XXXX is showing the date opened as of XX/XX/XXXX. I've recently disputed this account in XX/XX/XXXX and it was reported that there were no errors or everything was fixed. However that was not the case as we see in my attachment below which shows the correct date. 

According to 15 use 1681i ( 5 ) the credit bureaus stated everything was complete and accurate and also 15 USC 1681 s-2 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. 

This is constant violation of the federal law. This account needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$0.00} XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX AR XXXX {$320.00} XXXX XXXX   XXXX {$41.00} BANKRUPTCY CHAPTER XXXXXXXX XXXX {$0.00}
Product: Debt collection

I do not have a reason for a debt collector to call me. One message has been left and when I XXXX the number is seems from other it is not legitimate. They are just trying to collect personal information. The numbers are XXXX XXXX XXXX and XXXX XXXX XXXX constantly calling.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that My personal information is incorrect.