23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have recently pulled my credit report and located an account showing a mortgage account called Real Time Resolutions. I recently contacted them and they are a collection agency, not a mortgage company. They are incorrectly reporting on my credit report
Product: Credit card

On XX/XX/2024, I authorized a payment to Comenity using my routing and check number. However, the payment was later rejected, and I only became aware of this issue when I received a call from a private number claiming to be a representative from Comenity Bank, asking me to pay a late fee. 

Upon contacting my bank, they confirmed that there was no record of the payment being rejected. I subsequently reached out to Comenity and requested written documentation of the rejection or any attempts to notify me earlier, including mail and phone call records. Unfortunately, the representative I spoke with, XXXX, stated that this is not their procedure and refused to assist further, suggesting that it is my responsibility to resolve this with my bank.
Product: Money transfer, virtual currency, or money service

I purchased services from a vendor on moneygram, I was refused services and asked for a refund immediately aftter 7 days, also was refused a refund and then waited on and tried to work with the Fraudulent company for over 4 months in hope of receiving services from the vendor ( XXXX XXXX XXXX. which is XXXX  ) in XXXX I put in writing another request for a refund to the vendor and he threatened to dismiss and close my account. I then waited patiently giving him more info to help me with services he advertises to offer and in 2 months once again he only gave me one one.XXXX  hour phone call where he claims to Law enforcement that this was the services rendered XXXX phone calls in XXXX months and I provided a whopping XXXX pages of information and not one thing he did, he is a scammer and then has turned my personal info over to law enforcement claiming I fired him numerous times, which is a lie. and used personal information against me to make law enforcement think I was crazy. He has a habit of turning things around on the people he scams, refer to his hater list on his website. I will also show u the file he sent about me to law enforcment. Why he couldn't return my money as he claims he could not help me when he never should have offered me services in first place is the issue. I have since XXXX - XX/XX/2022 been filing report after report with moneygram, to help me get my money back from this scammer, I filed with the XXXX  and they claimed the business That Moneygram represents has a false XXXX  rating on their website and multiple offenses, I also filed with FTC regarding this business and they replied that the business was not valid and same with Consumer affairs department they said they could not help me, So without a doubt MoneyGram is Fully responsible for Allowing Fraud to be active on their money platform for Scammers. I have been contacting them to no avail, filed numerous grievances with them regarding the scammer, they refused to help me I also sent an Open records letter request certified to them in beginning of XX/XX/2022 and they ignored my request of freedom of Information act. I will Now be filing complaints with money gram for this matter and Expect that they will make sure I am refund my money and also punitive damages will be added. I believe that anyone using moneygram services should be offered fraud protection and think that this would help people to at least not suffer at the hands of these fraudulent businesses that are collecting money under the guise of moneygram services. I received an email from moneygram in regards to my multiple reports of this scammer I placed to them and they sent me a letter via email saying they conducted a thorough investigation and were done helping me, that I was not able to get any help from them, I replied that their investigations were not adequate or thorough enough that I had proof of the business they represent at being fraudulent and that I would be now holding them fully accountable. that I would also be filing a complain against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act of 1970, the following companies have violated my rights by reporting inaccurate, or outdated information XXXX and XXXX Account XXXX XXXX. And XXXX are both the same thing, and they are debts obtained without my permission or knowledge. I moved out of XXXX with a {$0.00} balance and was owed my deposit, never received it. Was never contacted regarding balance owed, and {$6600.00} in fees accrued is ridiculous when I didnt even live there. 

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Paid in full, can not reach a representative to find full account number. 

XXXX XXXX XXXX Phone number : XXXX Paid in full and closed in XX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX {$930.00} - should not owe this debt from the insurance company. 


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.

Thank you for your time and hard work.
Product: Debt collection

Mr. Cooper Loans keep calling me and I've repeatedly told them that I am not the person they are requesting. This is not their phone number. This is my business line. They have told me they will remove the number but still call everyday. Their name is Mr. Cooper Loans at XXXX. If they actually listened to my voicemail they would know it's a business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting my XXXX account as having two delinquent payments in XX/XX/XXXX. I had this matter resolved last year and contacted the CFPB last XX/XX/XXXX to get this matter resolved. They corrected my credit report, but now they have put it back on my credit and it is affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  has violated my rights # XXXX. 
15usc 1681 section 602 A States I have the right to privacy.

15usc 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15usc 166b States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts today from the three credit bureaus ( XXXX, Equifax, and XXXX ) that there were two credit inquiries on my credit report which I didn't authorize. 

As a victim of identity theft I want the credit inquiries removed from my credit reports. I called XXXXXXXX XXXX and XXXX XXXXXXXX XXXX  and they told me to contact the credit bureaus to remove the credit inquiries. I contacted the credit bureaus but they were not helpful.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of certain charge offs on my credit report. I believe that. 
these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 compliancy requirements.

Specifically, I believe that the information reported by your agency regarding these charge offs.

is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly.

impacted and I have suffered damages as a result. 
Under the FCRA, it is your responsibility to ensure that all information reported to credit. 
bureaus are accurate and up to date. Additionally, the Metro 2 compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report. 
the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
I am requesting that you investigate this matter and correct any inaccurate or incomplete. 
information in my credit report. 
Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely,
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 between XXXX and XXXX am, we transferred two amounts of XXXX from XXXX exchange to Coinbase Pro, so we could withdraw money to buy groceries for the family. Being forced to trade currency to survive since the US government has given up on America and we are all trying to survive after congress and their minions imported Covid from XXXX. 

We received emails from Coinbase proving our XXXX arrived into our correct account, where it also shows as a deposit. We have verified it has the necessary transactions to become available but has not been placed into our control, even 6 days later, preventing our family from buying food which we need. 

I emailed their support 2 times and no response after 6 days. No other support options. 

We want to remove all our money from coinbase but are afraid the money we have in USD will be stolen from us by Coinbase and not transferred to our bank, since this is the second time Coinbase has withheld our capitol from us without cause. 

We are seeking help from the government to help us get our money from Coinbase so they don't steal it as we are reading they are withholding many peoples money in reports on XXXX and other sites. 

Do we also need to file complaints and seek help with the SEC?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some inaccuracies on my credit profile. These inaccuracies have prevented me from getting approved for an apartment and now i am XXXX  and desperately need a place to stay. I am going thru an ongoing divorce and have lost everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up an account with credit check total and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX.
Product: Debt collection

I received billing statement from XXXX XXXX XXXX date XX/XX/2018 that told me owe XXXX XXXX XXXX amount {$150.00}, I had called them and let them know my car Insurance with XXXX  had been cancelled after the term of contract, the payment continuous is monthly payment and I want to cancel policy any time if I do not pay premium. I know the Insurance policy if I did not pay premium I would not get coverage for my car at the time of due date if something happen for my car, that mean I did not owe XXXX   anything because XXXX did not cover my car when I do not pay. 
I had a new car Insurance policy with another Company and did not pay premium for XXXX any more, But I don't know the XXXX XXXX XXXX they have knowledge about car insurance policy or not they still bother me and sent me a billing statement date XX/XX/2018 of debt amount {$150.00} again.
Product: Credit card or prepaid card

On XX/XX/XXXX I was inappropriately assessed a total charge of {$46.00} by Intellius.com on my XXXX credit card account # XXXX for service I did not receive, which is still outstanding, despite my writing XXXX 's XXXX at XXXX XXXX, XXXX, KYXXXX on XX/XX/XXXX. I told him/her if they can't rectify the charge and credit m {$46.00}, Cancel My Credit Card XXXX. Note : I always pay my balance upon receipt, except the XXXX charge of {$46.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX
Product: Checking or savings account

Re : Claim # XXXX for account ending in XXXX Give a man a XXXX and he can rob a bank, but give a man a bank, and he can rob the world. 

This is exactly what Capital One does, they are not alone however, all banks do this. They do this because we the American people and our govt allows this corruption to take place. 

Capital one claims to protect the consumer from fraud, the facts speak different. I was charged {$800.00} for a service I was told was {$20.00} I reported this to capital one. And they stated that the merchant sent them a receipt and that my claim is denied because of this. How does a receipt justify charging me XXXX  $ fraudulently? Anybody can make a receipt and even with a receipt, if the merchant changed the price on me at the last second what does a receipt have to do with me being scammed?! Makes no sense. 

Dont bank with capital one. 
I will be filling a lawsuit and making additional complaint to govt agencys to hold them accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

For one account ( XXXX XXXX ) it is reporting that my last payment was made on XX/XX/XXXX and that the account was closed on XX/XX/XXXX. The card was closed XX/XX/XXXX. I asked for verification that this account is indeed mine and I asked for the method of verification. I have received no response from them. I reached out on XX/XX/XXXX. No response and nothing change. 

Next account ( XXXX  ) I asked for validation and received no response. Acct is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all 3 bureaus since XX/XX/XXXX on accounts that should not be reporting late payments! After the 1st round of disputes didn't result in any responses from the bureaus, I submitted a 2nd round on XX/XX/XXXX and again today, XX/XX/XXXX. After 4 months of disputing, the bureaus should've at least sent me an acknowledgment of my disputes, they never even did that!
Product: Money transfer, virtual currency, or money service

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity.

IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 


My email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX submitted complaint regarding self lead bank whom had md reported as 60 days late XX/XX/XXXX XX/XX/XXXX you responded it was deleted. 

Just from confirmation speaking with your office of consumer affairs confirmed not only was it not deleted but your office of consumer affairs even confirmed there was a late pay ad of XX/XX/XXXX on an account closed on XX/XX/XXXX she advised me up contact the lender. Right there in front of her was obviously inaccurate damaging reporting and yet did nothing about it.
Product: Debt collection

I filed a complaint about Midland credit management previously and my corporateRep Payee attempted to reach out to them They refused to communicate with her without a power of attorney and were extremely rude Unfortunately, discovering theyre not the only debt collector who feels theyre entitled to break laws and be rude to people put into places to help someone on benefits while theyre experiencing medical issues or other life issues that prevent them from handling their own life and She was trying to inform them she would be making payment arrangements when they came up on her list Of everyone and everything else I owe due to the Social Security administration priority list on how she spends my benefits instead I was served with a lawsuit
Product: Credit card or prepaid card

my name is  XXXX   XXXX  I had got my bag stolen and I call the rush card to cut the card off but they left it on and except my money any way and now I do not have  XXXX  payment and I am stranded in  XXXX  Ohio with nothing. I call them and I talk with rep and they told me that they closed out my account they left it open and I do n't know what to do please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 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: Payday loan, title loan, or personal loan

I had an established loan with The XXXX XXXX XXXX company. About 5/6 ( XXXX ) months ago, I reached out for a payoff quote, in an attempt to close out the loan. About a month passed and I noticed that there was no response from them. So I went online only to find out that they had went out of business and some company by the name of Systems and Services Technologies , Inc ( " SST '' ) was the loan servicer for your XXXX  account. They had email/phone number for contacting purposes. I've reached out several times in attempt to reach them and close out my loan. So this month ( XXXX ), I decided to stop my payment to them since there's no way of contacting them and I had absolutely no idea where my money was going and how long this process would continue. Last week I received an email from the same company, whom I've been trying to get in touch with for the last 5/6 months, informing me that my account would be reported delinquent to the credit bureaus if I didn't resume payment. Of course they included a contact number to reach them. Called the number numerous times and an automated voice answers everytime with, Were experiencing technical difficulties. 

I definitely do not need some erroneous company screwing up my credit report. I need some involvement from you all to ensure that this does not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

My name is showing up incorrectly as XXXX XXXX for some reason. 


The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card or prepaid card

XX/XX/XXXX RE : FRAUDULENT CREDIT CHARGES : BARCLAY BANK OF DELWEAR CHOICE PRIVILEGES VISA SIGNATURE ; XXXX XXXX XXXX This notice/letter of compliant regarding Barclay Bank of XXXX  De XXXX XXXX 
To reinvestigate credit charges of {$460.00} including late fees and interest. 

To date, I have sent certified letters ( dated ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Barclays Bank hasnt replied to the specific information request regarding unauthorized charges. 
In this reinvestigation, Im requesting the vendors/bank to provide viable document evidence bearing my signature reflects the date, amount, and services provide. Also requesting the names, email- address of individuals you contacted so that I may follow up on any/all data provide must be verifiable information reported accurately. 

In the interim this item should be noted on my credit reports ( XXXX, XXXX, XXXX ) as in-dispute until disputed actions can be solved. 

This issue has been in Non-Compliant with both Federal and State regulations and codes. 
Fair Credit Reporting Act a. 611 ( a ) [ 15 USC 1681i ] ( a ) b. 612 [ 15USC 1681j ] c. 604 d. 623 ( a-3 ) Fair Debt Collection Practices Act 1. 807 ( 8 ) Thank you, in advance for the prompt attention to very important matter. Look forward to having this discrepancy resolved soon. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had this company on my credit report, I contact them via phone and it was nothing that they can do about it. I was told to contact XXXX to have it taken off my report.
Product: Debt collection

Discover has called me 11 times in the last 4 days, and they continue to call me, and are calling me on the weekend and all hours of the day.
Product: Credit reporting or other personal consumer reports

I cant begin to explain how fed up I am with the inaccuracies on my report. These errors are not just inconvenienttheyre ruining my score and blocking opportunities Ive worked hard for. Its so unfair to feel like my future is being determined by mistakes that arent even my fault. Ive tried to remain patient, but this is beyond frustrating.