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

I am fairly new to the wire transfer business. 

I am using an online bank XXXX. I set up a MoneyGram and they rejected my banking information and accepted the debit Visa card as payment for {$250.00}. While with the bank account would have cost {$10.00}. By using the debit card it cost me {$25.00}. 

They processed the wire with the debit card. I contacted the bank and asked why there was a problem and they stated that certain merchants don recognize the bank. 

I filed a complaint because it cost me an additional {$15.00} and I wanted a refund, after all it was the same bank. 

Then I received an email that my transaction was cancelled. And I call and they refused to tell me the reason. 

Now they are holding my money for 3-10 business days and this is unacceptable since I wired the funds to settle a debt and now that person is left hanging and I do not have additional funds to send the money through another means. They should have disclosed this information before I processed the payment. 

Stating that it is a security issue is evasive because it is a small amount of money. There is no reason for them to cancel the payment or close my account with no further explanation or immediately returning my money.
Product: Credit reporting or other personal consumer reports

This is my follow regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently this matter. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. Transparent communication outlining the resolution process and the steps taken to address this matter urgently. Attached, please find copies of the supporting documentation, including [ list the documents attached, such as police reports, identity theft affidavits, etc. ], for your reference during the expedited investigation. I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

I sent a letter to NCB on XX/XX/XXXX about an unknown account on my credit report in the total of {$2200.00} ( opened on XX/XX/XXXX ). I have no connection with this account of business and noted that verification was needed. Today, XX/XX/XXXX I've received a letter past 30 days of requesting verification that did not confirm any amount of money but was noted " this communication is from a debt collector ''. I am unaware of how they have my information and need this unknown business to be removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report I noticed several inquiries that I did not recognize or authorize. I contacted XXXX, Equifax, and XXXX on XX/XX/2023 via certified mail and brought this matter to their attention. They did not do anything about this issue. I contacted them again on XX/XX/2023 via certified mail again asking them why they did NOT do anything about this situation and if they can show me any proof of who tried to open accounts without my authorization. I did research and seen that there all laws that require the credit reporting agencies to provide proof of why they gave these companies access to my credit report without PERMISSIBLE PURPOSE? Since they have not done what they are required to do, I made sure I filed an identity theft claim with the FTC and am asking the CFPB with assistance with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

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

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved making deposits for a total amount of XXXX usd from my XXXX account to fraudulent investment firm
Product: Debt collection

I originally had a debt with XXXX XXXX over 7 years ago. That original debt fell off of my credit report last year, and now The National Credit Adjusters re-opended that same account with a date of XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX  XXXX to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have requested the following items from Midland Credit XXXX times in the past 9 months and all I have received is the billing statements which is not what I requested. 
XXXX. The XXXX XXXX that Midland Credit has with the alleged original creditors. 
XXXX. The full contract agreement I allegedly signed with my full wet verifiable physical signature from said original creditors. 
XXXX. Documentation demonstrating how Midland Credit acquired the debts, how much it was purchased for in a dollar amount by Midland Credit, and how they accessed my personal information including emailing me with the threat of a lawsuit on XXXX when I never received any physical letters before that stating the alleged debt was in collections with my name on it. 
XXXX. The agreement and contract with Midland Credit with my full wet verifiable physical signature stating that I owed a debt to their company and allegedly agreed to pay it. 
XXXX. The business license for Midland Credit to collect on alleged debts in the state of Texas. 
XXXX. Copy of the chain of custody to collect the alleged debt from original creditors to Midland Credit. 
None of these things were sent and they continued repeatedly to have me threatened with a lawsuit and went as far as to have process servers call me to find out where I was to have me served with a lawsuit when it clearly states that all debt collecting actions must cease when a dispute is taking place. I have screenshots and photos of them calling me at my job and on my cell phone when I told them to only contact me through the mail. They clearly can not verify any of these alleged debts and I am requesting the alleged debts, along with my personal information, be removed from their systems, erased from my credit report and they pay me a settlement for harassment. 
Their responses to the disputes are dated the day received but are not sent out in the mail until the XXXX dispute deadline is nearly up which gave me only XXXX to XXXX days to respond and that is underhanded tactics by a predatory company. I have all of the certified mail receipts and copies of the disputes I have sent over the past 9 months along with the responses from Midland Credit with the dates they put on the response along with the dates I received them. 
All of these alleged debts have been reported as closed and charged-off accounts and according to XXXX 15 USC 1681B of the FDCPA they are not to be put on my credit reports and this company has failed repeatedly to validate the alleged debts as well. I read them all through the CFPB Database of Agreements and not one of the credit agreements states anything about the alleged debts being sold to a third party to be collected in my name and making me responsible for them. Midland Credit pays XXXX cents on the dollar for these debts as well and demands consumers pay the full amount that was already charged off by the original creditors and reported on their taxes for tax breaks. 
I appreciate your help in this matter. Thank You.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts that are reported inaccurate as followed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I applied to open an account for the Citibank located on XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I explained to teller that I froze my information due to identity theft issues and that I did not want to apply for an account without first making sure I was able to do so. I received a confirmation that my account was opened on XX/XX/2021. I contacted the personal banker XXXX XXXX twice every 48hrs and he explained twice that the application was still in review, even though I have received two email notifications about account XXXX being active in my business name. I decided to go to Citibank, N.A XXXX XXXX in-person, and they explained to me that the whole time this account was closed. According to the Fair Credit Bureau Act a creditor must notify the applicant of adverse action within 30 days after receiving a complete credit application. I still have not received any information about this account. They have now stated that they have no information whatsoever about my business account
Product: Credit card or prepaid card

Bank of America is reporting that I am XXXX past due even though the minimum was XXXX and I had paid XXXX towards the account. In XXXX I made a payment of XXXX, however this was apparently AFTER the cycle closed this making me late. No biggie I then redeemed XXXX worth of rewards. However the company is saying this does not count as a payment. I was never notified that I was late or past due nor do they provide an option for auto pay when you bank with them. I hold over XXXX with this bank. Making the payment was not an issue. The companies ability to communicate is not there and now as the consumer my credit report will be penalized. This is not fair. Had I of known or been alerted I would have corrected the mistake.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX has violated several FCRA laws, and they have failed to respond to any of the unlawful charges my wife and I have pointed out just as we did within this complaint. This company, is a third-party debt collector attempted to add words or reasons for charges without documentation from the original creditor. This goes against the principles of debt validation, as my wife respectfully conveyed to them. 

Furthermore, XXXX XXXX, the original creditor, has also refused to respond to any form of communication, including XXXX  and CFPB inquiries. XXXX XXXX XXXX  XXXX XXXX XXXX is violating the Florida Consumer Collection Practices Act by continuing to report unlawful charges!

Moreover, this collection agency attempted to charge a fee without any legal grounds, as my wife uncovered their deceitful practices, indicating poor management and unethical conduct.

I have substantial evidence to support every claim I've made, including evidence that this company changed the balance multiple times and violated numerous laws in doing so. I am informing Experian, XXXX, and XXXX to investigate thoroughly and consider all the evidence provided.

The credit bureaus have already failed multiple times, and I urge them not to fail again, or I will escalate this matter to a higher level.
Product: Credit reporting or other personal consumer reports

Bridgecrest Formerly XXXX ( XXXX, AZ XXXX ) continue to report and update an installment account that has been closed since XX/XX/XXXX. The first delinquent date recorded was on XX/XX/XXXX and was written off to Profit and Loss as of XX/XX/XXXX in the amount of {$5000.00}. Formal disputed request has been filed several times to the creditor to stop updating and reporting this as an open and current account status. Which I believe to be a violation of the F.C.R.A. and F.T.C. under Section 611. 
Also back in XXXX I contacted the company and a representative at Bridgecrest Formerly XXXX informed me that this account was assume by another 3rd party. 

Bridgecrest Formerly XXXX refused to make any changes to my credit report via XXXX, XXXX, or XXXX. By not doing so results in a negative impact towards my good ongoing payment history and credit worthiness after this charge-off and closed account.
Product: Debt collection

This is the second complaint I am filing against the company. They were notified that they were to have provided the necessary documentation to the debt that I requested and failed to provide it within a reasonable amount of time. This debt was issued by a health care facility that lied when I disputed it with them saying they would not send it to debt collections until they also provided me with documentation. They too failed to provide the documentation. The documentation that they submitted in the last complaint still does not add up to the amount they are asking for. In the debt collection letter that was mailed to me it states I owe {$1500.00}, in the response from the company it states the charges on the itemized bill were for {$1200.00} plus an adjustment of - {$910.00} and at the bottom states the total is {$330.00} and the " Pay this amount '' box says " XXXX '' none of the documentation adds up to the totals of these charges nor does it show on there I had already previously paid at time of service. The " documentation '' provided seems to be fabricated and nothing adds up
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an online dispute with XXXX  for verification of a debt which they quickly returned with the conclusion that the debt is accurate, on XX/XX/XXXX. The debt in question is from a collection agency named Cavalry representing XXXX XXXX XXXX XXXX/XXXX  ( XXXX ) in the amount of {$450.00}. Therefore, I proceeded to contact Cavalry through written communication requesting a validation of such debt. Cavalry responded by sending a few copies of billing statements showing a balance of {$680.00} BUT  specifically noted at the bottom of the letter that states " any difference between the amount shown enclosed in the verification of debt is due to some CREDITS. '' My letter of validation was very clear and precise to the type of information I was seeking and Cavalry blatantly ignored consumer request numerous times. Cavalry refuse to send consumer original contract, list of all payments made to account INCLUDING CREDITS, copy of license to collect in the state of Texas, and when did XXXX transfer the account for collection. I spoke with a representative at Cavalry after failed written communications late XXXX  or  earlier XXXX, and the rep told consumer that they show a credit of {$200.00} applied back in XXXX but she did not have ANYTHING to send to prove what she is saying and told consumer that their office will contact XXXX for documentation of such credit. It is federal law that collection must provide proof of any amount they are reporting and should have that information available to consumer upon request. How are you reporting a debt that is {$200.00} less than {$680.00} that is printed on a billing statement they are sending to the consumer as their burden of proof? How can XXXX say that reporting of such debt is accurate when Cavalry CAN NOT provide the consumer with adequate documentation? If Cavalry can not provide ALL documentation including documentation regarding a {$200.00} credit that the consumer is not aware about, than ALL REPORTING NEEDS TO CEASE! Please be advise, the last mail consumer received from Cavalry was XX/XX/XXXX and NO documentation regarding CREDITS was enclosed ... .just old billing statements.
Product: Credit card or prepaid card

Wells Fargo refused to approve my credit card application after it was proven by a representative that I shouldve been approved but they still denied it
Product: Debt collection

Debt collector saying I owe my old apartment {$1800.00} of rent. Already paid all rent, and I sent Hunter Warfield ( debt collector ) the agreement signed by myself and the property XXXX indicating all rent due has been paid, asked them to supply their own proof of a debt owed and they could not, then they stopped communicating with me and it was reported to the major credit bureaus. This fake debt has negatively affected my credit score
Product: Mortgage

Our mortgage service company was changed from XXXX to PHH. All of a sudden, we received their statement wanting for us to pay more into an escrow account. This is a big surprise. We never agreed on an escrow account. We have been managing our taxes and insurance by ourself and none was late or anything. We have not received any communication from PHH about what happend and why we must pay more into this new escrow account. 
We used to pay {$2400.00} per month ; now they want us to pay {$3400.00}. This is a big increase we are not prepared yet. We are surprised at this escrow. We will call them ( PHH ). in the meantime, we want to pay the $ XXXX/month. Is it OK? In other words, can PHH force an escrow account on us without our consent? Thanks for explaining to me why is this possible?
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of human XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

I requested a debt validation. I do not have any contract with this company or any open accounts with this company.