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

TRANSACTION REFERENCE NUMBER : XXXX. 
Initiated {$5000.00} remmitance on XXXX XXXX from XXXX bank to pick-up at MoneyGram representative in XXXX : XXXX. XXXXXXXX XXXX only allows {$4900.00}. 
XXXX. XXXX could not proceed with transaction because they have a technical issue with MoneyGram and after XXXX attempts on the phone to fix, nothing was accomplished. 
XXXX. XXXX has limited dollar amount withdrawl ( {$400.00} ). 
If MoneyGram is offering a service, it needs to GUARANTEE that it's partners can fulfill the transfer. MoneyGram is being FRAUDULENT because it " HOLDS YOUR FUNDS HOSTAGE '' until returned, sometimes more than 15 days!!! 
This is not the first, second nor third time MoneyGram has done this with my account. MoneyGram needs to be held accountable and PENALIZED for non-fulfillment of service. 
I have spent 5 days traveling to the city, wasting more than XXXX hours time trying to resolve. I want COMPENSATION!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen to create the Money Lion account. The day the account was initiated I received a call from an XXXX number telling me they were from my XXXX fraud department, that someone had tried to use my debit for a transaction in XXXX, and that they stopped the transaction and my card would be canceled. They also said not to utilize my online banking system for XXXX hours. That evening I also received an email alert from a paid credit monitoring service alerting me that there was an account opened using my personal information. They provided the contact information for the company ( Money Lion ) that extended the loan. I checked my bank account the following day before I called the Money Lion company and found large sums of money had been moved from my savings to my checking account and payment had been sent to this Money Lion company. I immediately called my bank to freeze my accounts, then proceeded to call Money Lion to let them know I did not authorize or request money or a line of credit with them. They said they would open an investigation. I requested a copy of the contract and asked how they verified the identity to open the account. They sent me a copy of the agreement but there was no identification verification used and they used an electronic signature. They told me their investigation determined the account was legitimate although I never used or received a dime from them. I filed a police report with XXXX Police Department detailing the identity theft and the fraudulent account. I closed my bank accounts because somehow this Money Lion company had accessed my checking account and social security number. The police report was inconclusive and the case was eventually closed with the explanation that internet fraud and identity theft are most often hard to prosecute because the perpetrators are elusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$990.00}
Product: Vehicle loan or lease

I included a XXXX XXXX XXXX in my XXXX  XXXX bankruptcy in XXXX. The vehicle was paid off on XX/XX/XXXX, but the company has not released the lien. I spoke to someone at Ally Bank yesterday, and I was advised verbally that they had released the lien to the car dealership I purchased the car from, XXXX XXXX XXXX, in XXXX, GA. I emailed the XXXX XXXX tag office and was informed that Ally Bank has not released the lien yet. 

I traded in this vehicle on XX/XX/XXXX under the assumption that it has a lien/title that is free and clear. My XXXX  XXXX was completed in XX/XX/XXXX, and this vehicle was paid in full. 

The VIN number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing in regards to an account on my report called XXXX XXXX XXXX. I filed a dispute with TransUnion and they told me this item came back verified. This is IMPOSSIBLE.  This negative item as already removed by XXXX  because it was not verifiable. There isnt even an account number for this on my credit report. I filed a complaint with the cfpb against XXXX XXXX XXXX and they told me themselves they could not find my information in their system. I am disappointed because I waited almost 30 days and TransUnion did not do their part in their investigation, they lied! I demand this item to be removed from my report. I am no longer waiting 30-60 days for you to fix this because after this I will be suing you for providing this false information I tried to give you a chance to rectify. Ill even attach the letter that XXXX XXXX XXXX sent to me as proof they could not verify me. Take this item off my credit report now. I can not even reference this account, because there is no account number on my report. This account is with XXXX XXXX XXXX XXXX XXXX. Remove this now
Product: Checking or savings account

I am a long-time customer of Bank of America. I had an issue a while ago where a {$1600.00} charge that I disputed got placed back into my account, which brought it to a negative balance. Due to my overdraft, on XX/XX/19 my XXXX-year-old daughter 's bank account was debited for {$220.00} leaving her with no money. Currently, she is away in another city and state for the summer. My name had to be on her account when she initially opened it due to the fact that she's a minor, but she is not financially responsible for the overdraft. I've tried speaking with customer service to no avail. I have even emailed the CEO. At this point, I am at a complete loss. My child is now out of town and does not have funds to provide for herself. The money was money that she worked for by XXXX, etc. I am far from wealthy and I'm currently unable to send her money at this time. 

I am fully aware of the bank 's ability to " offset '' money to cover a balance. I don't see how it's fair to penalize a XXXX-year-old by drafting their account and leaving them stuck with nothing. My goal is to get the {$220.00} that was removed from her account returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXXI SENT EXPERIAN AND XXXX XXXX XXXX A CERTIFIED NOTICE OF A OFFICAL CONSUMER DECLARATION OF COMPLAINT OF NOT PROVEN COMPLETE, NOT PROVEN TRUE, NOT PROVEN COMPLIANT MIS INFORMATION TO INCLUDE DEFICENT OF PROVEN METRO 2 COMPLIANT DATA FIELD FORMATTED REPORTING. I ALSO INFORMED EXPERIAN THAT I WAS ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL THEM TO REMOVE THE ACCOUNT WHICH WAS DISPLAYING VIOLATIONS OF METRO 2 COMPLIACE.XX/XX/XXXX I CONTACTED EXPERIAN AGAIN IN REFRENCE TO THE FALSE STATEMENT THAT WAS PRESENTED IN THE INVESTIGATION RESULTS ( PLEASE SEE ATTACHMENT ). I CONTACTED XXXX XXXX XXXX TO ALSO PROVIDE ME WITH SUFFICENT INFORMATION IN REGUARDS TO THIS ACCOUNT. THE CREDITOR NEVER RESPONDED NOR SENT REQUESTED DOCUMENTS. WHICH MAKES THIS A KNOWLING ERROR ON EXPERIAN AND THE CREDITOR. WHICH EXPERIAN STATES THAT THE ALLEGED CREDITOR CERTIFIED THAT THE INFORMATION IS CORRECT, COMPLETE, TRUE AND ACCURATE. PLEASE REVIEW DOCUMENTS THAT CLEARLY SHOWS INCOMPLETE, INACCURATE, NOT PROVEN TRUE, NOT XXXX 2 COMPLIANCE. 

INCOMPLETE ACCOUNT NUMBER NIETHER COMPANYS PROVIDED ME PAYMENT HISTORY IS INACCURATE, INCOMPLETE AND UNPROVEN CAR WAS SOLD BUT DOES NOT DISPLAY INFO- INCOMPLETE AND REPORTING LATE PAYMENT REMARKS/ UNPROVEN I HOPE THIS COMPLIANT SHED LIGHT ON THE UNFAIR ANDTHE DISREGUARDS THAT THE CREDIT REPORTING COMPANIES AND DATA FURNISHERS HAVE IN REFRENCE TO A CONSUMER CREDIT RIGHTS AND MANDATED LAWS
Product: Credit reporting

Under public records, I have a case filed with XXXX COUNTY REGISTER OF Docket # XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX And it was filed on XXXX/XXXX/XXXX and it was resolved out of court and paid on XXXX/XXXX/XXXX. My problem is that they refuse to remove this information after it has been over 7 years. and statute of limitation for Michigan is between 6 or 7 years. And TransUnion want to keep it on record till XXXX. It has been removed from the other XXXX credit bureau. I really want this to be corrected asap. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 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. I also asked for the original contract to be provided and it was not.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$5700.00} XXXX XXXX, XXXX XXXX XX/XX/year>
Product: Credit card

American Express just sent me an email that they are decreasing my limit by half. This will negatively impact my credit because it will now look like I'm carrying 60 % of the limit. In reality, I'm carrying less than 30 % of the limit. American Express also checked my credit to make this decision without my consent. They refused provide the original terms with my signature, and they are unwilling to discuss a review of my account until I wait 5 days and call back. In addition, my payments to American Express have all been on time, so there is no reason for the review to happen at all. They will not share documents until I call back, which is after the credit reporting period, and when my credit score will be negatively affected by this unwarranted decrease. 

XXXX I spoke with : XXXX XXXX
Product: Checking or savings account

We were unable to use our account during the disputed debit card fees where we kept our balance close to XXXX to document several times and independently confirmed how the BofA account allowed transactions to be processed when there were insufficient funds when the account was suppose to be set to deny charges when funds were unavailable. 

Due to BofA 's slow and poor handling of this issue we had to open an account with another bank and pay that banks monthly fees while we were waiting to see if BofA could offer us the account debit card security we signed up for and expect where accounts can not be overdrawn. 

We were considering continuing our account with BofA, but since BofA continued to handle the issue poorly we did not have the confidence in BofA to keep the account debit cards secure and so could not keep the account active. 

BofA has correctly refunded the incorrect overdraft fees, but we have not received a refund for the 4 months of {$17.00} per month account fees for the months we were unable to use the account due to its dispute status and where we had to open and pay another bank account fees. 

Therefore, we would like a refund of BofA 's monthly fees for 4 months totaling : {$68.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XX/XX/2024, XXXX XX/XX/2024 XXXX XXXXXXXX XXXX XX/XX/2024
Product: Credit card or prepaid card

I was charged a minimum interest charge of {$0.00} from Citi credit bank even after making all the payments in full for the transactions before the due date.
Product: Credit reporting or other personal consumer reports

annual credit report said I had a vehicle loan XX/XX/XXXX and asked which bank was it through, I answered none of the above because I have not had a loan for a vehicle since XXXX. 
Secondly, the same credit reporting agency said it looked like I opened a merchandise credit card in XXXX and asked me which store was it through, I answered none because I have not opened an account with a merchant. 
Therefore, I am not able to obtain my annual credit report through XXXX, TransUnion or the third one. 
Please help! 
Respectfully, XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

I have had accounts with Bank of America for over 25 years and for the most part have not had issues except with excessive overdraft fees. There are currently different policies for handling fees however, prior to these changes, I paid Bank of America thousands of dollars in daily overdraft fees. In trying to dispute these fees or request waiving some, I was extremely frustrated when I realized how the Banks own " processing '' system for transactions and deposits, would actually trigger the overdraft fees. Example 1 : Payroll direct deposit would post the same day as a check written or auto-withdrawal transaction. Instead of posting my deposit first, the bank would post every withdrawal transaction FIRST before posting the deposit causing each withdrawal transaction to generate a separate overdraft fee.

Example 2 : When processing daily transactions/checks written from my account, the bank would often process the larger amount FIRST, triggering Insufficient funds and overdraft fees for each of the numerous smaller checks/transactions for that day. So instead of processing 10 small transactions on a day and charge one ( 1 ) overdraft fee, the bank would process the larger amount and charge me separate overdraft fees for each of the 10 small transactions.

I have gone back-and-forth with Bank of America over the years about the fees. At times they waived SOME of the numerous fees but their solution to avoid fees was to link my account to my BofA credit card. Unfortunately though this resolved the overdraft issue, I would be charged more/higher rate on my credit card because this transaction was considered a Cash Advance. I honestly have remained with Bank of America all these years because of accessibility, international availability and feeling that they have been the lesser of two evils, as my other account was with XXXX XXXX.
Product: Student loan

I have an account with Navient and I been paying then since XXXX and they said I still owe them XXXX until XXXX. But they wo n't working with me and I need to what is going on and get this fix.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

UNITED AUTO CREDIT CO Inquiry on my credit report four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my permission. At the time I had XXXX and just had a XXXX XXXX and XXXX. I was not looking for a car because my license was expired. I also could see due to the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting bureau will not remove inaccurate information. Specifically, XXXX XXXX/XXXX XXXX  is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX, despite the fact that this information should have been removed in XX/XX/XXXX. See the attached documents. I spent two hours talking to both XXXX and XXXX  on XX/XX/XXXX, and filed an online complaint on the XXXX  website, without success. As of XXXX, XXXX, XXXX, XXXX  has not updated its reporting on XXXXXXXX XXXXXXXX. I have been trying to resolve this inaccurate information since XX/XX/XXXX. 

Also, Transunion has not updated its reporting on XXXX/XXXX   XXXX, as of XXXX, XXXX, XXXX.
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also are listed bellowed. As well I have attached copy of my credit report reporting so that you could see the account information individually. 

This item I 'm disputing are student loan that have appear on my credit and they are not mine. I have file several complain to CFPB each account sparely. In addition I had file several complain to Ombudsman directly and the respond was my entire Loan are paid in full there are no other loan from any of the other agency pending. The answer is the account is not there 's. What you are reporting is inaccurate or incomplete. I am requesting that the item be deleted and to correct the information. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters and ( delete or correct ) the disputed item ( s ) as soon as possible. I have attached copy of all the correspondence regarding this issued. 

Unfortunately these institutions have not provided me with accurate information. In addition the XXXX took this entire loans with out my consent. They lied they said it was scholarship not needed to be repaid. 

What I do n't understand if I submitted all the documentation that was request of me for the XXXX on time in XXXX. Why I 'm dealing with this nightmare still 8 years letter. 

Furthermore XXXX was able to process my application plus report to the Credit Bureau that Loans were paid as agreed close. Why do the other agencies report I was XXXX default? Along with loans benign open send to collection and late. Why are they still open it should be close? In addition it has been 8 years seen this Loan were reported to the Credit Bureau. And how many centuries do they need to solve these problems. 

To solve the problem, I will appreciate your clarification and explanation on every single loan that appear on my credit report. My Understanding was that XXXX took 4 loans and the XXXX of XXXX Paid and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I have enclosed copies of all my records correspondence. 
At this point I 'm very confuse as to why all this offices within the XXXX of XXXX are reporting inaccurate information. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX
Product: Debt collection

Collection Bureau of America is charging me for an account that was already resolved. I have no idea what this bill is that they are sending me for {$420.00}. This is inaccurate and needs to be resolved.