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

On XX/XX/2019 in XXXX XXXX money transfer transaction no. XXXX through Moneygram agent for {$400.00} was made in my favor, same day I went to Moneygram agent in my city XXXX, TX but they refused to release the money requesting the sender must contact them, the sender contacted both moneygram agent in XXXX and moneygram in US by phone but no avail. 
I phoned them many times but no avail I need to mention that This caused damages to me in the ability to paying due utility bills, credit card payments, personal loans which ruin my credit score and credibility. 
Therefore Moneygram must pay for those damages as well
Product: Vehicle loan or lease

I Applied for a loan of XXXX with XXXX interest they have taken way more than 20 percent and hidden fees like daily XXXX interest rate on top of 20 percent interest rate. Account has been in default mode and XXXX dollar a day fee was also added. Im XXXX payments from being done and they are taking XXXX in interest XXXX  years later plus hidden fees and daily interest fees separate from regular interest.these people must be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an agreement with the attorney and company after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. 


611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following with Experian several times as the remarks are past the statute of limitations, not verifiable and they do not seem to follow the law. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Requesting some help
Product: Credit reporting, credit repair services, or other personal consumer reports

Today there was a hard inquiry from chase credit card and I did not authorize this. I know i did not do this because I have a low credit score and its no way I can receive any credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete these pieces of questionable information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I didnt apply for a discover card dated back XX/XX/XXXX and I didnt accept this card in my name and it has two phone numbers it dont belong to me in my name .... and discover completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didnt apply for this card ... but I wasnt held responsible on two previous discover accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another discover account ... Discover has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second investigation ....
Product: Credit reporting or other personal consumer reports

My Mohela loans are still appearing on my credit reports ( XXXX and XXXX ) as active. These loans were discharged through XXXX and I received notice of this discharge on XX/XX/. It has been a significant time since this, including the arbitrary 90 days stated by Mohela, and there is no reason why these are still appearing as active loans on my credit report. 

I have contacted the company multiple times and have not been able to get a coherent reason as to what is happening and why these loans are still on my credit report. 

I would like these accounts closed and loans removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

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Product: Debt collection

Was making payments monthly. Was never given another bill hence didn't pay and didn't think any other amount was outstanding. Never received another bill or invoice nor any document indicating further attempts to collect debt or pay bill otherwise would be sent to collection. Never obtained even 1 bill or invoice from this collection agency. Only now saw it showed up on my credit report XXXX XXXX XXXX/CAPIO XXXX XX/XX/19 XX/XX/19 / {$1100.00} XXXX {$1100.00} XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to send some of my digital currency on Robinhood app onto another exchange and was quickly denied by the app, resulting in them restricting my account. Restricting my account means I am not able to send my money, nor am I even allowed to sell my crypto to then withdraw my money. I dont mind if they were able to help me get my account unrestricted, but that hasnt happened. Their customer service is terrible. They keep telling me theyre going to resolve it by such and such date only to keep pushing the date back. This is ridiculous. I just want to be able to move MY MONEY FREELY. I get it they have systems in place that may flag unusual activity, but that should be a quick verification process and proceed. They are making it so difficult on me that I feel I had no choice but to come here to file my complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my friend sent {$400.00} for me to give to my son for an upcoming performance. 
Immediately PayPal transferred {$300.00} of it to my bank and withheld {$100.00}. They have blocked my account and refuse to allow me to transfer the remaining {$100.00}. 

I have been a customer since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this XXXX  issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Product: Student loan

I have been struggling to repay my student loans off. I am currently on an income based repayment plan.I am unemployed due to circumstances I could not control. My payments are currently set for {$0.00} per month and the total balance due is over {$36000.00}. This is great however every month I occur interest charges for high amounts that add extra to my total balance as they pile up over a years span. In the process it is causing my credit to dramatically decrease every month. I also went into default once and it was n't on my behalf and this caused my credit to plummet at the time and it took me a while to get my credit back up. I have been unable to purchase normal necessary items for years causing stress in my life on top the money that I owe for the loans. I have been through different repayment plans such as forbearance, income-based and deferment none of these plans are helping me to relieve my debt, it is honestly making it worse and me and my XXXX children are suffering in the process. I have been offered a forgiveness program but it wo n't take effect for another twenty years. I need debt relief now!
Product: Mortgage

Hello, I have applied for a refi with amerisave mortgage and they took XXXX from my account. I applied XX/XX/XXXX and since then I have had minimal to no response from any of the loan officers, managers, or anyone from that company. I have given them all the needed documents to finish the refi but now that they have the XXXX from my checking account I hear nothing from them and I don't know how to get my money back. they have mad me suffer thru this for weeks now and I'm very upset. I have XXXX XXXX and other health problems and I'm getting sick over this. 

I have tried numerous times, left hundreds of messages and no one is responding. 
I need help with this. can you please advise. 

this is the loan officers info : XXXX Started XX/XX/2020 Loan Type Refinance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Status In Process Loan XXXX XXXX XXXX XXXX XXXX here is the other person who never returns my calls or emails : its been a month now. 

Loan Processor XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, i've tried every phone number I can find for that company and everyone of them know its me calling because of my number. they won't answer the phone if they see my number on there end. they hang up on me, pretend I can not hear them and hang up. 
try there customer service and no one answers. 

I've been ripped off bad and I don't want this to happen to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold by XXXX XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX  ) in XXXX. My first payment due to XXXX  was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted XXXX to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

This complaint is in response to my previous complaint (  XXXX  ) which Transunion are failing to rectify and/or provide an adequate response.     In Transunion 's previous response they state - " We have reviewed your complaint along with the information you previously provided regarding this issue. On  XXXX / XXXX / XXXX  you contacted us disputing the accuracy of  XXXX  #  XXXX . As a result, the item was removed from your credit report. Please be advised, it is TransUnions policy to remove disputed authorized user accounts as you have no legal liability to pay the debt. '' Both myself AND  XXXX  have already advise d ( multip le times ) that the dispute was lodged in ERROR and that it should be removed from my account. Both  XXXX  and  XXXX  have honored this request and are re-reporting this account  XXXX  #  XXXX  on my credit report  YET Transun ion are still refusing the re-add the account despite multiple requests from myself and  XXXX  to do so. I do n't know how much more clearer we can be that the dispute regarding the balance showing was an error. I did not realize that  XXXX   XXXX  took 30 days to update their statistics.     My wife and I a rrived in the US  in  XXXX  and as I was unable to apply for a credit card my wife opened this account (  XXXX  #  XXXX  ) as the primary and added myself as an authorized user so that I could build credit. This is the only and longest holding account that I have and by removing it from my Transunion credit report means I show no accounts and therefore m y credit score  dropped from  XXXX  to just above  XXXX .     What is unclear is why  XXXX  and   XXXX   have had no problem re-reporting this account YET Transunion continue to refuse to re-add it DESPITE  XXXX  and myself and the primary account holder ALL explaining that the dispute was simply an error.     If Transunion continue to refuse to report this accou nt (   XXXX  #  XXXX  ) I will be seeking legal advice as to whether or not you are violating my rights and reporting incorrect information on my account. Since this has been ongoing from  XXXX   XXXX  I will certainly be seeking emotional and physiological damages for the stress this situation has caused me along with the fact several loan applications have been denied because of my lo w credit score  provided by Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian regarding unauthorized inquiries on my report and they refused to dispute the inquiry. 
Not on are the following unauthorized they are also duplicates XX/XX/2019 - - Creditor Name XXXX XXXX XXXX XX/XX/2019 - - Creditor Name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing of about this XXXX XXXX account that was previously disputed and somehow verified as accurate both by XXXX and Transunion. It is clear that no real investigation was done as the information is still incorrect and there are inconsistencies with the info showing on both credit reports which should not be the case if both bureaus actually reasonably investigated this account. 
1. Both bureaus are reporting different " Date Opened '' dates. 
2. Transunion reports a closed date but XXXX does not. 
3. Both Bureaus are reporting different " date of last activity '' which should not be the case had this been reasonably investigated after my initial dispute. 
4. The account status is listed as " closed '' on a " charge off '' but yet lists a " past due amount '' of {$420.00} which is in violation of the FCRA and negatively impacts my DTI when any charge off account should be listed as " XXXX ''.
Product: Credit reporting or other personal consumer reports

According to 15USC 1681b ( a ) ( 3 ) ( A ) I am requesting that the inquiry that is not connected to any open credit account and occurred on XX/XX/2022 pertaining to ONEMAIN be removed. 

( 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
Product: Debt collection

A letter was sent to Waypoint Resource Group dated XX/XX/2019 requesting that the company send validation of debt with my signature as of today 's date the company has not responded to the correspondence or request
Product: Credit card or prepaid card

I hit a financial low in XXXX 2016. This card was active and paid on time, but USAA closed the card due to my having a charged off loan with them, even though this account was in good standing. I am having trouble maintaining the payments. I was recently offered to have a late fee removed, but that was it. I have explained my hardship, but no representative offered any solution to help me be able to adequately repay my debt.
Product: Vehicle loan or lease

CarMax Auto Attn : Customer Relations XXXX XXXX XXXX XXXX, GA XXXX Subject : Victim of Identity Theft - Unauthorized Auto Loan Application Dear Sir/Madam, I am writing this letter to bring to your attention a case of identity theft that has recently occurred and involves CarMax Auto. It has come to my attention that an individual has fraudulently attempted to open an automotive loan under my name without my knowledge or consent. This incident serves as a distressing reminder that such occurrences are not uncommon, as I have experienced similar fraudulent activities in the past. 

I want to express my disappointment and serious concern about the gross negligence that has allowed this fraudulent activity to take place. It is essential for CarMax Auto to prioritize the protection of its customers ' personal information and financial well-being. As a reputable automotive company, I would expect CarMax Auto to implement stringent security measures to ensure the prevention of identity theft-related issues and unauthorized loan applications. 

Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( XXXX ), I have the legal right to be protected from fraudulent activities and to have inaccurately reported information promptly corrected. I kindly request that CarMax Auto takes immediate steps to rectify this situation by : 1. Conducting an investigation into the fraudulent auto loan application that has been made in my name ; 2. Removing the unauthorized loan application from my credit report, preventing any negative impact on my creditworthiness ; and 3. Strengthening security protocols and procedures to safeguard customers ' personal information and prevent identity theft in the future.

I believe that CarMax Auto recognizes the seriousness of identity theft and its implications. I have already taken proactive steps to report this incident to the Federal Trade Commission ( FTC ), and I intend to cooperate fully in their investigation.

I urge you to rectify this situation without any further delay, as the damage caused by identity theft can be extensive and long-lasting. I trust that CarMax Auto will handle this matter promptly and responsibly, demonstrating its commitment to protecting its customers ' financial interests.

Should you require any additional information or documentation from me to facilitate the resolution of this matter, please do not hesitate to contact me at the phone number or email address provided above. 

I will eagerly await your prompt response and the actions taken to rectify this unfortunate situation. 

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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/1981, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and a account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Once again in the middle of the night after the XXXX  experian starts yet again not telling the truth and begins again trying to extort money for correct credit scores. Experian states that your payment history is 35 % of your credit score well what happens when experian Wipeout 19 NOW GOING ON 20 months of on time never late payments to XXXX and refuse to give them back