23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act acct # XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 ( a ) states i have right to privacy 15 USC1681 section 604 ( a ) it also states a consumer reorting agency can not furnish a account without any written instructions.
Product: Money transfer, virtual currency, or money service

I am formerly expressing my concerns regarding Zelle handling any of disputes, particularly in light of recent CFPB lawsuits highlighting significant issues with the platform.Despite using Zelle numerous times reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible to tracking these transactions was infeasible. They neglected my private information did not feel safe where my transactions been sent too.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CMRE Financial Services for committing identity theft. I have never given CMRE Financial Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CMRE Financial Services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CMRE Financial Services continues its collection efforts, I will file for litigation for actual damages caused and CMRE Financial Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Checking or savings account

On XXXX/XXXX/XXXX I went to my Lending Club account online to continue to sell the notes I have invested in. My account, I was notified, was locked because they needed additional information and would I send a copy of my utility bill. This seemed very strange but I complied. Today XXXX/XXXX/XXXX I received an email requesting a copy of my utility bill and a copy of my drivers license. When I called to inquire why they needed this information so that I could withdraw money from account they said - after a great deal of arguing- that my XXXX credit report address did n't match their information. This is very strange since I 've never had any problems with any credit report and my address has been the same for 17 years and I 've had the account with Lending Club for 4 years. It seems that I sent a payment receipt and not the actual utility bill on Sunday XXXX and that was acceptable. 

Lending Club has my money and is locking me out of it because they ca n't figure out where I live? They have my DOB and Social Security # ... they could verify it in a heartbeat. 

Are they going broke? How is this possible?
Product: Money transfer, virtual currency, or money service

To Whom This May Concern : I contacted Moneygram on XX/XX/XXXX to transfer transaction # XXXX, from a XX/XX/XXXX request of {$100.00} for XXXX XXXX from a Georgia pickup to a Florida state pickup. Moneygram advised me that they were unable to transfer a transaction state to state and that I had to submit a new Moneygram. 

I did and that transaction # XXXX was submitted for another {$100.00} to XXXX XXXX for a Florida pickup. He did pick that transaction up with no problems. 

Moneygram advised me that transaction # XXXX had to be canceled and it would be refunded back to my account within 3-10 business days. I contacted them after 10 business days and was advise it could take up to 30 days. 

After 30 days, I contacted my bank XXXX XXXX XXXX, to submit this claim. To date, Moneygram has yet to refund me the {$100.00}. XXXX did replace my {$100.00} in my account back in XX/XX/XXXX ( as you can see on the attached forms ) and after receiving documents from Moneygram stating that my son had picked up the monies, XXXX sided with Moneygram on this claim. TO BE CLEAR, TRANSACTION XXXX WAS NOT EVER COLLECTED AND I HAVE NOT BEEN REFUNDED MY MONEY AND IT IS NOW XXXX. ( XX/XX/XXXX ). 

After speaking with the XXXX claim agent on XX/XX/XXXX maybe XXXX filed a claim on the wrong transaction. So with this document and the ones attached, prayerfully we should not have anymore miscommunication. 

Now when I contact Moneygram on today XX/XX/XXXX, they are saying that they refunded my money on the same day ( XX/XX/XXXX ) that the transaction was canceled, how is that possible, when their policy clearly states 3-10 business days. 

Please help, this company keeps stating that they refunded my funds and they did not. 

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

I WAS A VICTIM OF IDENTITY THEFT AND WOULD LIKE THESE ALLEGED ACCOUNTS REMOVED 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I deposited a check {$1500.00} I recovered {$1300.00} and I asked the banker to deposit the rest XXXX $ on my debit card and since that day XX/XX/2021 I have not recovered the rest of my money XXXX XXXX I called customer service to make a claim No. XXXX, but the problem that no one called me back I went to the bench twice to solve the problem but no one helped me I just get a Duplicate copy of transaction their answer was " that I must meet the banker named XXXX because it was she who made the transaction with me ''. 
I went the fourth time to the bank and finally I met the banker named XXXX, she promised me that she would solve the problem, she called me once she told me that she would solve the problem in a week but again no one has contacted me
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting

The U.S. Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX. Navient in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The Florida Department of Education received notice from XXXX on XXXX XX/XX/XXXX that my loans were discharged. Nonetheless, and inexplicably, the Florida Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XX/XX/XXXX. Now, each of the XXXX credit bureaus -- XXXX, Experian, and XXXX -- is incorrectly reporting that my loans are in balance status when they have been discharged by the US Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over 130 days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.
Product: Credit card or prepaid card

On XX/XX/22 my credit card ending in XXXX was closed, without any notification of closure. They state it was not used for more than 12 months, which is correct, but had I known this was an issue, Id have used my card, or contacted them advising not to close my account. The closure of the account now affects my credit as well as my spending credit limit. I tried to reach out to have my account reactivated, but they advised me it would create a hard request towards my credit which will also reflect negatively on my credit report. They are unable to offer me any options to rectify this situation and have left me with no other choice but to file a complaint. All Im asking for is one of two things, reactivate my account without an attempt to pull my credit history, or raise my credit limit on another account I have with them to include the credit amount on the account that was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found numerous accounts listed that I have no knwledge of and was a result of malpractice.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Transunion fraudulently reported that a vehicle, which I did not own, was repossessed. The facts are completely in error, and the credit reporting companies have used my name and information for commercial purposes without my consent. 

I have attempted to resolve this matter, and as of this date, the credit bureaus have either not responded, or they have intentionally refused to provide any documentation to refute my claim, or show proof that my claim is without merit. 

I am prejudiced by this entry, as it is fraudulent, and no company or credit bureaus seems willing to correct their errors of fact. This matter is now more than seven years old and they are still reporting misleading and erroneous fraudulent information. As a result, my car loan interest rate is at an exuberant rate which I need in order to continue to earn a living. I am close to homelessness where I have to choose to find a closer job. 
In accordance with the Fair Credit Reporting Act ( Transunion ), Acct No. ( XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I've found inaccuracies on my credit report under 15 USC 16c-2, and I believe these errors are affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. AMEX, Inquiry Date XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Checking or savings account

I enrolled in the 1 % cash bonus promotion program at Ally bank by depositing {$50000.00} new money into my savings account on XX/XX/XXXX and kept the money there through XX/XX/XXXX. According to the promotion agreement Ally bank should deposit {$500.00} cash bonus by XX/XX/XXXX, but I did not receive the cash bonus as promised. 

I contacted Ally bank on XX/XX/XXXX, a ticket was submitted and I was told that it will take 7-10 business days to resolve the issue. After two weeks I still did not receive the bonus, I contacted Ally on XX/XX/XXXX and was told that they have delay in processing. On XX/XX/XXXX I contacted Ally again because it has been one month and I still did not receive the bonus, I was told it is still being reviewed, they can not provide a turnaround time. 

I followed all the rules of the promotion : I received enrollment confirmation email on XX/XX/XXXX, deposited the money before XX/XX/XXXX, kept the money through XX/XX/XXXX. But Ally bank did not honor the agreement and did not deposit the cash bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opens a credit card in my name with XXXX  XXXX for XXXX $ The account was charged off and sent into collections without me being notified and also was reported on my credit profile even after I wasnt notified I placed a dispute even called the creditors told me nothing they can do about it nd it was bought by a debt collector.

The credit buereus and creditors have to all follow the laws which they didnt they violated These codes/ laws and therefore this needs to be removed off of my report secotion 604- 15 U.S. code 1681 B Secotion 605 A -15 U.S. code 1681 C-1 Section 605 B - 15 U.S. code 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told Experian, XXXX, and XXXX to reinvestigate this accounts. Account name : XXXX : Account XXXX. It was stated everything was complete and accurate. How is this the case when in XX/XX/2022, this account was listed as being paid on time. The following month XX/XX/2022, it was listed as being 90 day delinquent. It can not be reported that I was 90 days delinquent without XXXX or 60 day prior late payments. 

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.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This account is not in compliance with the credit reporting guidelines. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see inaccurate accounts appearing on my credit report, and I honestly dont know why this is happening. Ive been diligent about checking my report, and everything has always been accurate until now. Desperate to fix it, I refreshed my browser, thinking it might just be a glitch, but the errors remained. I feel so overwhelmed by this issue, and I beg for the documents Ive sent to be thoroughly reviewed so I never have to face this kind of stress again.
Product: Student loan

I have 4 lays payments from student loans, but they mistakenly did n't see that I was still in school, and thus can not be billed yet. I called them and got it fixed, and faxed them my credit Reports and they said they would take them off my report because they were indeed wrong to report that. This was months and months ago and they have n't done anything so I 'm disputing here now.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax Data Breach. My information was sold and bought illegally because I was a victim of the Equifax data breach. I want the account items listed on the attached letter be DELETED from my Equifax credit report effective immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 my mother sent {$1600.00} to me to cover my rent which was due by XXXX XXXX XXXX XXXX XXXX XXXX She sent the MoneyGram at XXXX. She paid a fee of {$15.00}. I check at XXXX on the MoneyGram app and it showed that the transaction was ready for pickup. I checked the closest location to pickup and saw that there were several CVS that did MoneyGram Transactions in the XXXX area. I went to CVS located at XXXX XXXX XXXX XXXX, TX XXXX. They advertised to be able to recieve/send MoneyGram at the store. I told the CVS agent that I wanted to pickup a MoneyGram and was informed that they did not do MoneyGrams for over a XXXX. I was baffled because of the website stating this location was able to do MoneyGrams on the MoneyGram app. I contacted another CVS  Location at XXXX XXXX XXXX XXXX, TX XXXX and was told the same thing. That the CVS associates were not trained and that their printed no longer worked to do transactions for over a XXXX. 

So, I had to drive miles away to a XXXX . I gave the associate the transaction ID who informed me that it was not ready for pickup, and I needed to contact MoneyGram. I was once again baffled because it stated on the App that it was ready for pickup. Essentially I spent XXXX hours and counting since Im waiting on the sender to go back to XXXX to update the information because the only way they can verify the transaction is by text or call. 

Overall, MoneyGram FALSELY ADVERTISED their locations. MoneyGram is DECEPTIVE in their notification and status. MoneyGram should be regulated more and held accountable for their fraudulent behaviors.
Product: Debt collection

The account in question has been disputed and removed from my credit reports several times. This account starts with XXXX for XXXX this is not valid debt. Now its posted on my XXXX   report again. This needs to be addressed! Remove this account out of my name and off my reports.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX XXXX reported that Chase JPMCB reported that I paid off an account in settlement for less than full balance. That never happened. I called Chase and they said that the account was closed with a XXXX balance and they do not show that I paid in settlement, which was the truth, but the credit bureau says that Chase is reporting to them that it was paid in settlement which did not happen. Chase tells me on the phone when I talk to their credit reporting department ( 3 times, every XXXX weeks ) that they, Chase, are not reporting it that way and that it is XXXX 's error, not their error. XXXX says it is done automatically and although I have disputed it XXXX times through the XXXX automatic system that Chase reports back the same error. This account was never in default or paid late and it was normally closed after the balance had been paid. There is no documentation that anyone has to show other than I paid it in full every month then closed the account ending in XXXX on XX/XX/XXXX with a XXXX balance. I have this in writing from Chase dated XX/XX/XXXX. The credit bureau refused to accept the letter I send them and Chase refuses to send them an elevated letter claiming I did not pay this in settlement and that it was closed with a XXXX balance and NO SETTLEMENT was involved EVER.
Product: Checking or savings account

I had to stop using my account due to insufficient funds in my account everytime my direct deposit was made and there were over draft fees that were not even making sense that I wasnt aware of
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the follwing at Experian credit reporting agency. in addition, on XX/XX/2018, asked them to validate the debt. Experian failed to validate the debt and only updated the debt. 

Results Report Number : XXXX Date Generated : XX/XX/2018 XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 




Also, XXXX and XXXX could not validate this incorrect debt and XXXX and XXXX has removed the negative entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an account on XX/XX/XXXX and was denied but didn't know why since I have never applied for credit. I pulled my credit reports to see what was causing me to be denied and found my dad 's name on my reports along with his addresses. I also found 2 collection accounts that do not belong to me, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account in the amount of {$660.00} appears to have been opened in XXXX at which time I was still a minor and only XXXX XXXX XXXX. Also Account Services ( XXXX XXXX XXXX ) in the amount of {$250.00}, I am not sure when this account was opened. XXXX is listed as an employer that I have never worked for and the last 4 of my SSN is also showing incorrectly. 

I have also filed a report with identitytheft.gov