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

XXXX This case number was closed yesterday, XX/XX/XXXX without evidence shown by moneygram that they remitted payment or refunded me the money. I submitted supporting documents of communication I have with moneygram, where they clearly stated that they have issued a refund. If they claim that it was a mistake, why then have they not taken ACTION to ensuring that the mistake be corrected ; by issuing the fund to the receiving agent? Why have they not replied to my email when I notified them of the fraudulent practice they perpetuated?

This is a clear case of fraud as they have deliberately refused to release the funds! Rather, they continue to mislead everyone by saying that funds will be released to the receiving agent in XXXX when CFPB got involved. After that case was closed, they now said they will refund to the sender. And up til date, XX/XX/XXXX, they still have not released the funds to either party. 

CFPB, you have been made aware of this case since XX/XX/XXXX AND to date, moneygram has not released the funds. What does that tell you? If after reviewing the email communication I had with moneygram, you asked key questions as to why did moneygram ask for my ID and why did they say they will issue refund, this will prevent them from doing same to another consumer in US.

If you asked moneygram from the first complaint I made on XX/XX/XXXX, to show EVIDENCE that they have released the funds, this would deter any such practices from moneygram. If they feel that they have found a way to manipulate how they respond to complaints, the responsibility lies with you to ensure that ACTIONS/EVIDENCE speak in each and every case BEFORE that case is closed.

See supporting documents once again for how moneygram is manipulating the system that is meant to protect USA consumers from frauds.
Product: Credit reporting, credit repair services, or other personal consumer reports

AllianceOne and XXXX are continuing to report incorrect information on my credit report regarding a bill that has already been paid.
Product: Debt collection

I first noticed the transaction on my credit report roughly a year ago. I never applied for this credit, and don't believe this belongs to me. I was going to try and rectify the situation a year ago, but i had to leave the country rapidly.
Product: Credit reporting or other personal consumer reports

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. 

Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly. 



I trust that you will handle this matter with the urgency it deserves and provide me with confirmation of the actions taken to rectify these errors.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the accuracy of the late payment information that is currently present on my credit report. I have thoroughly reviewed my credit report and identified discrepancies related to late payments that I believe are inaccurately reported. I kindly request your immediate attention to this matter in order to rectify the inaccuracies on my credit report. 
FORD MOTOR CREDIT COMP XXXX I am aware of the importance of an accurate credit report and understand the impact it has on my overall creditworthiness. After careful review of my payment history with the aforementioned creditor, I have identified that the reported late payments are not reflective of my actual payment history. 
I am kindly requesting the removal or correction of the inaccurately reported late payments on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I request that you conduct a thorough investigation into this matter and, if necessary, contact the creditor to verify the accuracy of the reported information. 
I kindly ask that you investigate and resolve this dispute as soon as possible, preferably within the 30-day timeframe mandated by the FCRA. Your prompt attention to this matter is crucial to ensuring the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update XXXX  and XXXX removed. Experian has not removed XXXX XXXX fraudulent account that was opened in my name after numerous disputes. Other 2 credit bureaus have investigated and found the account fraudulent and deleted from my profile after countless disputes and tiresome emails. Ex has been in XXXX so Ive only been able to get limited information. I filed a stolen of police report after failed attempts with XXXX XXXX to remove my name since I was not involved and provided all information to them and yet it took going to the credit bureaus to remove, again however Experian has not and now they have stopped me from submitting further disputes on the issue.
Product: Credit card

my card was stolen and unauthorized purchases were made on my account I asked them to remove all those purchase and they refused to do so
Product: Student loan

My complaint is against NELNET. I had my loan in deferment and I had kept my address and phone number current on my account. The last statement that I received in the mail was on XX/XX/2019. I had talked to them on the phone in XX/XX/XXXX and understood that I was still in deferment. I never received a phone call or statement or warning of any kind. Nelnet placed my account in default on XX/XX/2019, without any warning. I did not know until it was too late and I was notified by the Dept. of Ed. Now this default is on my credit report and I want NELNET to take my account back out of DEFAULT because I think that they should notify their account holders and give them a chance to take action. I think that NELNET should of made an effort to notify me and that did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  shows inquiries on my credit report that I dont recognize from XXXX XXXX dates are as follows XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and one inquiry from XXXX XXXX XX/XX/XXXX 2020
Product: Checking or savings account

I began receiving unsolicited email regarding a MoneyLion account with my email address. I do not have a MoneyLion account and had not heard of them until I started receiving emails yesterday. I have tried contacting them and received no response. 

Yesterday, they put {$50.00} into the account, today another {$25.00}. What is going on? I have not asked for this and do not want it. 

This is fraudulent use of my email details and I want it stopped and investigated. MoneyLion do not seem to be interested in helping me. 

The emails are being sent from XXXX and are address to me personally. Extract from the latest email below that was address to me : - Happy birthday month! To wish you a very special birthday, we're giving you {$25.00} extra in Instacash advances. Enjoy the boost to your XXXX limit now through XX/XX/2021. 
Thank you for being part of the MoneyLion family! 


My birthday is not in XXXX. For obvious reasons, I am not saying when it is.
Product: Debt collection

Thank you for providing the validation documents for the debt associated with LVNV FUNDING LLC Account Number : XXXX. 

While I review the documents, I want to make it clear that I dispute the legitimacy of this debt with your company. According to the Fair Debt Collection Practices Act ( FDCPA ), creditors must notify debtors before selling their accounts to collection agencies. Since I did not receive such notification, the validity of this debt being transferred to you is uncertain. 

Furthermore, the fact that I was not informed about the sale of the debt raises concerns about the accuracy of the information on my credit report. Therefore, I demand that you remove the record associated with this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please note that even if the debt itself is valid, you are obligated to remove inaccurate information from my credit report if you can not validate the transfer according to the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Real Time Resolutions # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Product: Bank account or service

I had fraudulent charges on my bank account. I have filed four claims that are being rejected because the employees are not filling out the claims right. I have been harassed up to four times per day including Sundays from the collections department after being promised by two managers to have the calls stopped. I have wasted over 5 hours calling and waiting for them to not help me and to tell me that I owe them {$100.00}. I am sick of waiting for help, They told me on XXXX/XXXX/2016 that it would be resolved in 90 days. We are at day 91 and I had to fill out ANOTHER claim today.
Product: Credit reporting or other personal consumer reports

I am writing To delete the Information In my File. The Items I need Deleted are listed in the report. I am Victim Of identity Theft and did not Make The Charge. I Ask That the Items Be deleted To Correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed Of the Federal trade commissions identity theft Affidavit. please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reached out to TransUnion and have been filing dispute since then. I have sent in every documentation that they have request from me. I sent in a FTC report informing them that they are reporting fraud on my consumer file. They stated that the U.S. Bankruptcy court verify that the bankruptcy is reporting accurate on my file. I went to the court house and obtained a letter from the U.S. Bankruptcy court which stated that they don't report bankruptcy. I have contacted XXXX which is stated on TransUnion website is their three party vendor. XXXX ensure me it's no bankruptcy reporting on my file because it was removed due to fraud. This bankruptcy has been removed from XXXX and XXXX. I have filed over 20 dispute with TransUnion each time the come back as verified. I have contacted XXXX and had them file a manual dispute several times and each time TransUnion is coming back less then 30 days stated that it is verified as accurate.The federal fair credit reporting act promotes accuracy, fairness, and privacy of information in the consumer reporting agencies. Consumer reporting agencies must correct or delete incomplete or inaccurate information. TransUnion has failed to abide by the rules and the laws set in place for consumers. I have been fighting with TransUnion for two years to remove this inaccurate. I have send in all the documents that they have requested. I really need help! I am trying to purchase a home and this is hurting me. My next step I will be filing a statement of claim if I can't get this resolved with them.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by JP MORGAN CHASE BANK on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report notes an open XXXX Comenity Bank credit card that I didnt open. It also noted late payments despite my previously perfect payment history.
Product: Money transfer, virtual currency, or money service

Good afternoon I am the owner and XXXX of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXX and XXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. 7 dated XX/XX/2022 ). 

Correspondent bank of THE BANK OF NEW YORK MELLON. 
Information about payments in the annexes to this letter. Payments have not been received by the recipient. As far as I know, all payments are blocked. I ask you to help me set the details and the date of blocking payments. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payments. 
Sincerely yours, XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax asking them to investigate some inaccurate accounts on my credit report and I have not heard back from them. They have not responded in nearly 2 months and I am very frustrated because this is not the first time I have tried. I also tried to get it fixed by contacting the furnisher directly and they did not resolve it, instead they told me to contact the credit bureau which I already did that. This company willingly violated the FCRA by not completing their investigation in 30 days and they never provided any results.
Product: Debt collection

I contracted for internet service with XXXX in XX/XX/XXXX. 

My 2 year commitment on the contract was completed in XX/XX/XXXX. 

I closed my account and verified that my credit card had been removed from my account on XX/XX/XXXX. As discussed with the XXXX representative, I no longer live at the service address and only had the modem to return. As well, the XXXX representative was notified that my husband and I did not own a ladder nor had the ability to scale a ladder to the roof. We moved from the location XX/XX/XXXX. The modem was verified that it was returned and received by XXXX. 

XX/XX/XXXX I received a " We couldn't process your payment '' email notice in the amount of {$160.00}. The notice stated that XXXX was unable to process my monthly XXXX internet service. As I had removed my card from the account and closed it out, I knew the communication was incorrect as I didnt owe a monthly payment. I received no communication between XX/XX/XXXX and XX/XX/XXXX from XXXX. 

XX/XX/XXXX My account was turned over to a Debt Collection firm. ( Confirmed with Debt Collection agency representative on XX/XX/XXXX. ) XX/XX/XXXX I received a second communication from XXXX stating that they had not received my equipment and payment of up to {$300.00} was due on XX/XX/XXXX. There was no specified amount and there was no linkage of the unreturned equipment fee to the first communication for monthly payment. 

XX/XX/XXXX The debt collection payment company mailed a notification on XX/XX/XXXX for the amount of {$160.00}. 

XX/XX/XXXX I received the debt collection notification sent on XX/XX/XXXX for the amount of {$160.00} from the US Postal Service. 

XX/XX/XXXX I called the number that was on the XXXX unreturned equipment notice XXXX to inquire as to the payment. There was no option at this number for talking with Customer Service or a way to get to Customer service. 

XX/XX/XXXX I looked up the customer service number and through a phone call confirmed with the XXXX representative that the amount that was reported initially as a monthly payment was really the unreturned equipment fee. 

XX/XX/XXXX The XXXX representative filed a complaint on how the communication and timeline was handled. 

XX/XX/XXXX I paid the {$160.00} with the debt collection agency. I requested a letter of confirmation and will receive a letter within 14 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX Bank. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by Capital XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. 
A complaint was also filed on XXXX XXXX, XXXX with the XXXX of XXXX XXXX commissioner. 

Please review attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Recovery Group is still reporting incorrectly to XXXX  and XXXX. The collection company had agreed to delete these line items in XXXX, 2019 four months ago - however this is still appearing on my credit report. ( Please see page 12 of the attached credit report. ) This incorrect reporting is harming my credit score.
Product: Debt collection

There is a debt on my credit report that I know for a fact is not mine and I was in the process of disputing. But because I am going for a mortgage, it can not be in dispute. Therefore, I have contacted Diversified Consultants several times to get it removed out of the dispute and update my credit report to remove the account in dispute status. I spoke with a representative called XXXX XXXX and he said the only way that he will remove the account out of dispute is if I pay the account. Now this is a violation of the Fair Debt Collection Practices Act and I know is not right. Something needs to be done about this.
Product: Credit card

Documents attached are detailed description of what happened. 

The bill was not paid after I had continuously for the past XXXX years on the XXXX or XXXX of every month asked the tellers if the debt have been paid. On XXXX XXXX XXXX, the bank teller at Comerica bank informed me that it had been paid, I later received a letter from XXXX XXXX saying that it has not been paid. XXXX XXXX has been trying to charge my card, but the bank was not responding nor sending the money.
Product: Checking or savings account

TD Bank has refused to allow me the opportunity to plead my case with the appropriate department/manager. I contacted TD Bank on XX/XX/2018 and was transferred to the Fraud Department as my wife and I had an account that was on a " no check activity '' status due to fraud. This account was supposed to be closed already, but we resolved that on the phone already. The supervisor in the Fraud Department helped my wife open a new account. Once this was done, we were hung up on. When we called back and stated the same information, we were transferred to a supervisor who continued to belittle myself and my wife as well as say " no thank you '' when we asked for a manager and this individual ( whose name is XXXX, I beleieve ) kept hanging up on us. I then spoke with TD Bank today, who confirmed this individual put all of my other accounts in a " no check activity '' status due to the serious delinquency. The delinquency exceeded {$1100.00} and of that, 27 fees were assessed at {$35.00} each, totaling {$940.00} in fees. 

My son receives Social Security XXXX checks. That money is used just for him to get things he medically needs. It's unfortunate that the bank has allowed me to get this negative with that many fees, and fees being assessed BECAUSE of fees. The bank is essentially stealing from my son, who desparately needs his XXXX to get things he needs to live. 

I request that an individual with a heart at TD Bank look at our situation, while considering that we fell on hard times, and refund the fees so we can at least start getting back on our feet. Without those fees being refunded, my son will go without things he needs to survive.
Product: Mortgage

on XX/XX/XXXX my account got tranferred from a mortgage company named XXXX which I was filing a law suite agaist them, for making up an escrow account and adding all my montly payment to that escrow account without my concent, and my money was sent and used to pay taxes on other property that had nothing to do with mine, .. i had to hired a lawyer by the name of XXXX to correct everything and it was a long process, untl he informed me that the company was declared bancruptcy, and I had lost more money as well as the attorney fees, so then my account was bought by shellpoint, basically XXXX XXXX transferred my account with only one payment that i had paid to previuos company and also with a balance amount that it was owe to me, and since then I have been struggling with this new company back and forth playing games with me, no oe seems to care or understand my fustration regarding my previous experience and now is a nightmare, I am living the same problem over again and this company is a disaster. I have spoken to several PEOPLE SINCE I FOUND OUT THAT I HAVE TO PAY THEM EVERYMONTH, WHICH I UNDERSTAND THAT IS MY RESPONSABILITY, BUT IF THEY DONT HAVE THEIR RECORDS CLEAR, I LOOK LIKE I AM BEHIND WHICH I WAS TOLD BY THEM TO WAIT TILL EVERYTHING GETS CORRECTED TO MAKE TE CORRECT PAYMENTS, WELL IT HAS BEEN 6 MONTH AND UNTIL TODAY ALL I GET IS HARASMENT LETTERS, DEFAULT LETTERS, THEY HAVE REPORTED MY CREDIT AND HAVE MADE MY ACCOUNT LOOK DELIQUENCY, AND YET EVERYONE OR SUPERVISOR CALLS ME THAT IT WILL BE CORRECTED AND I AM REALLY UPSET, AND DESPERATE IN NOT GETTING ANYWERE ... PLEASE I HAVE HISTORY OF PEOPLE THAT I HAVE SPOKEN, EMAILS I HAVE SENT, COPY OF CHECKS CASHED BY THEM, BUT MY SITUATION IS STILL NOT CLEARED AND CORRECTED, SO THIS HAD LED ME IN REPORTING THEM TO FEDERAL TRADE TO HELP ME RESOLVE MY PROBLEM SINCE ALL THEY DO IS IGNORE ME. ON XX/XX/XXXX. I PAID THEM A CK # XXXX FOR {$770.00} ON XX/XX/XXXX I PAID THEM CK # XXXX FOR {$770.00} ON XX/XX/XXXX I PAID THEM FOR XXXX, PLUS XX/XX/XXXX AN XX/XX/XXXX WITH CK # XXXX UP TO NOW IM UP TO DATE AND THEY KEEP BILLNG ME FOR {$5800.00} AND NOW ANOTHER BILL OF {$3400.00} WHICH DOS N'T ADD UP AND DON'T KNOW WERE MY MONEY IS GOING TOO.. MY ACCOUNT IS STRICTLY PRINCIPLE AND INTEREST ONLY! I PAY YEARLY TAXES AND INSURANCE DIRECTLY TO TAX COLLECTOR AND TO INSURANCE COMPANY TO INSURED HOME,, THE BANK SHOULD NOT WORRY ABOUT THAT BUT ONLY THE PRINCIPAL AND INTEREST. THIS IS NOT GETTING CLEAR ON THEIR END ... PLEASE HELP ME FIX THIS, ASAP THEY HAVE REPORTED TO MY CREDIT WHEN, WHENN I  HAVE AN EXCELLENT CREDIT, THEY HAVE HARMED ME IN ANY WAY,, I PAY THEM AND THEY REPORT ME LATE AND DELINQUENCY WTH THEIR COMPANY, PLEASE MY NUMBER IS XXXX. MR . XXXX XXXX, FOR ANY QUESTIONS.THANK YOU