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

In XXXX, I purchased 3 money orders for {$990.00} each, total {$2900.00}. I delivered the money orders to the payee like usual. The payee proceeded to take the money orders to his bank ; however, the address portion of the money order was left blank by mistake, so 2 of the 3 money orders were returned and marked for fraud, while the other was put on hold by said bank. After contacting western union numerous times between XXXX and XXXX to try and resolve the issue ( for which I do not have the dates ), on XX/XX/2019 they directed me to go to the XXXX that I purchased the money order at because they placed a void on the money order, and they would be able to give me a refund or a reissue of the money order and to call back once I was there. Approximately XXXX on XX/XX/XXXX, I went to XXXX and called the money order service line as prompted, and the customer service representative instructed me to have the store call them to confirm that they were an agent. XXXX has a policy that says they can not call or do virtually ANYTHING without a physical copy of the money order. I did not have either parts of the money order because 1 ) the top part was shredded by the bank 2 ) the bottom part was submitted for a tracer request. Despite this being the case, the XXXX manager called anyway. When she called around XXXX, the operator at western union told her she didnt have to confirm anything. I called back and was once again instructed to have the store call to verify. Once she called again, she was told the same thing, she doesnt have to verify anything. I explain to the XXXX manager that the reason western union sent me to the store is because western union said that XXXX has put a void on the money order. The lady explained that once the money order is sold, there is no more contact between them and the money order, and that there was no way for them to even try and put a void on the money order. Ive Been running in circles and Ive hit multiple dead ends. I just need a solution. Ive attached legal photocopies of the original 3 money orders, as well as the email from the bank manager of XXXX XXXX XXXX  in XXXX, Ga XXXX to the payee about the money orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was opened up in my name using CBNA. I believe it is a store credit card through Best Buy. The card was opened on   XX/XX/XXXX .  I did not open this credit card and want it removed from my credit report and closed immediately.
Product: Prepaid card

I used the amex gift card to try to order from several vendors online, including XXXX. Every time, it said the charge was declined by my card. 
The card says that it's balance is {$200.00}. 
To test, on XX/XX/XXXX, I tried to use it online small amounts like {$25.00}, declined.Then large amounts like {$150.00} and {$200.00}, declined. 
Next I tested XX/XX/XXXX in a brick and mortar store. We tried small and large amounts. All declined. 
Most recent was XX/XX/XXXX online with XXXX for {$200.00} - declined I know I'm using the right information because each time I try, my gift card balance shows that there was a charge attempt and holds {$0.00} in limbo for 10 days until the decline clears. 

It's impossible to get ahold of anyone at AMEX, to help me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Capital One placed an unauthorized inaccurate hard inquiry on my XXXX credit report. 

This inaccurate, unauthorized hard inquiry has already been marked as fraudulent by Capital One. On XX/XX/XXXX I spoke to ( XXXX # XXXX ) & ( XXXX XXXX Account representative. ) Capital One XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account name : XXXX XXXX Account number XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FC

RA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The r
eporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX CREDIT CARD STILL SHOWING OPEN - NEED ATTENTION I DISPUTED ACCOUNT CLOSED - INCLUDEF IN BANKRUPTCY IN XXXX XXXX SEVERAL TIMES NOW STILL THERE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  has 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX GA XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations, and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph.

( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). 
XXXX - XX/XX/year> - You need to remove this inquiry under Section 604 - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - You need to remove this inquiry under Section 604 - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - You need to remove this inquiry under Section 604 - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - You need to remove this inquiry under Section 604 - The following inquiry was not authorized and should not be reporting. 
XXXX of XXXX XXXX - XX/XX/year> - You need to remove this inquiry under Section 604 - The following inquiry was not authorized and should not be reporting.

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Student loan

Hi, So I owe about {$25000.00} to Sallie Mae for my student loans. I pay about $ XXXX {$200.00} extra on my student loans every month and recently noticed that these extra payments were not being applied to my principal. I reached out to a sallie mae representative via their messaging system and inquired about how I could get my extra payments applied to principal only. The rep advised that payments are applied first to interest and fees and then to principal. I told him that I pay extra towards my loans every month and do not ever see a reduction to principal when I submit the extra payments. He said there is no way to have a payment applied as principal only. 

So with this information I have found that my extra payments roll over to the next month which leads to me being charged more interest than necessary since there is not a reduction to principal with the extra amount I am paying. 

In my opinion, this is criminal and should not be allowed to continue. I am trying my best to pay these loans off early to save myself money, however, after finding out that sallie mae is trying to make as much money off of me as they can, I see no incentive to continue making extra payments. How are any students, especially those who are unaware of what sallie mae is doing, supposed to pay their loans off in a reasonable amount of time? 

Please help.
Product: Credit card or prepaid card

I made a payment to my Capital One credit card on XX/XX/2021 and am being told on XX/XX/2021 that although the funds have come from my verified checking account ( I did a 3 way call with Capital One and my bank to verify my bank account approximately 1 week prior to making the payment ) - And Capital One is in receipt of the payment, theyve placed the payment on hold for 26 days. Almost 1 month on hold for a {$50.00} payment. Capital One refuses to make my funds available to me, but subsequent payments from the same account have been made available. Capital One is unable to increase my credit limit due to my account being too new, but offer no other solution to make my available credit reflect the amount of payments that have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX act, XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 section 602 A.States I have the rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has XXXX XXXX as to be removed XX/XX/2018
Product: Debt collection

XXXX XXXX was originally collecting a debt of XXXX from me which was accumulated when they continued to charge me monthly for a contract phone I was not using. I was on my credit account as a debt collection for two years than disappeared. It reappeared but this time it is under the company Jefferson Capital Systems. They sent me a letter saying they are offering me a discounted amount to pay off my debt which I did pay off in full. It showed that my balance was at XXXX. Now on my credit account they continue to have the account open and claim I owe them a balance of XXXX which is not correct. Now I am not so sure this is a collection on the behalf of XXXX XXXX, it is possible they could have found that information and are claiming to collect it on XXXX 's behalf. Now my credit score is being affected by something I paid off and I am not so sure my money was given to the right party. I have tried disputing it, but they keep lying even though I have provided proof of the letter and payment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. 
I provided proof and a police report that I was a victim of identity theft. I sent this information to XXXX, TransUnion and XXXX. 



XX/XX/XXXX The companies stated the checked public records and validated the information was correct. This person or persons used my address, social security number and date of birth so that info would be correct and the credit companies did not resolve this issue nor did they do any investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been trying to send money for a week with this company, they have withheld the money for supposedly verification. Every day they have asked me for something different to send a photo of myself, to send a photo of my cards. I asked that I take a photo together with the cards, that I send a birth certificate, that I send proof of life and a number of other things that I think this company is a scammer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2016 XXXX XXXXXXXX reported hard inquiries to my credit report. I have never applied for credit at XXXX XXXX. I have contacted the lender and have had no success on removing inquiries. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

A public record of a bankruptcy discharged in XXXX was inaccurately reported across all three credit bureaus. I have disputed the information with all three bureaus for over a year. I finally got confirmation from the federal court that they do not verify bankruptcy information with the credit bureaus. The credit bureaus then told me after finally responding to the disputes that they use XXXX to verify public record information. I froze my XXXX account on XX/XX/XXXX. I then submitted a dispute of the bankruptcy information on XX/XX/XXXX to all three bureaus. XXXX did remove it from my credit report with them, but XXXX and Equifax have not. Their response says they verified the information with XXXX, but they could not have because my account with them is frozen. 

Equifax has replied in writing how they receive their information about public records from XXXX, but XXXX has failed to send me any response to my disputes in regard to the bankruptcy and how they verified the information. 

As seen in my attachments, the federal court attached to the bankruptcy provided written proof they do not verify bankruptcy information with the credit bureaus. Equifax confirmed they use XXXX to do so, and it is my understanding that is how XXXX receives such information ; but they never responded to my request to prices written proof. Since my XXXX account was frozen by the time I submitted my dispute, XXXX nor XXXX could have verified the information and by law must remove it as XXXX did.
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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX 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 card

I was in and out of the hospital in XX/XX/XXXX battling XXXX. While in the hospital I had a " friend '' watching my home and making sure that my bills got paid. When I arrived home from the hospital, I came home to a friend who had disappeared, a stack of mail, a vacate notice from the sheriff for my mortgage, and a lot of information I did not understand. 
I relocated in XX/XX/XXXX to California for work. At that time, I went into a dealership to obtain a car. To my surprise, there was a credit card on my credit report showing as owed by me. At no time did I take out a credit card, file an application, make a payment, or transact any business with a Capital One card. To this date I have disputed this card at least XXXX times. To my surprise the only thing Capital One keeps saying is that I filed for the card, I completed an application online, and that I made payments. They are verifying all of this against public records that show me living at that address. So in other words, everything hinges upon the address of record. I have asked to settle this matter, asked for some sort of resolution, and asked for copies of receipts etc with my signature. At this point they are refusing to provide any other information to validate that this is me. 

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

I have a credit card with XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX  XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against me. The notarization process, as mentioned in my initial communication, remains of great importance in ensuring the accuracy and authenticity of this documentation.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX, XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 a 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 that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times to XXXX, XXXX and experian regarding this fraud. I have sent them all the documentation they require to block the fraudulent information and they have not done so within the 4 day requirement which by law states 15 US code 1681c-2 " A consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days ''