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

On XX/XX/XXXX I made an online money transfer through Money Gram to XXXX XXXX. I sent the amount of {$2000.00} plus {$1.00} fee to the receiver. The amount was withdrawn from my bank account. Later on I was notified by Money Gram that the bank in XXXX XXXX had rejected the transaction and to contact them ( Money Gram ) to start the process of a refund, which would be refunded to the same bank account I had used. Once I contacted Money Gram, the agent said the refund had been issued and to wait 10 days for it to appear on my bank account. I gave it a couple of extra days for the refund to show on my statement but it never did, which prompted me to contact Money Gram once again to ask about the refund. The agent told me the refund had been completed and they couldn't do more for me. Instead, the agent said to get in contact with my bank because the bank needed to release the refund to the bank account. I then got in contact with my bank and they started a claim. The bank gave me a temporary credit on XX/XX/XXXX for the amount of {$2000.00} while they worked on the claim. Bank did two claims but Money Gram did not pay the refund and my bank was forced to remove the temporary credit on XX/XX/XXXX. I have since then called Money Gram on multiple occasions but I get the same answer every single time, that it's now up to the bank to release the refund. I have asked Money Gram for proof stating the refund was completed but they refuse to do so, stating that they don't access. I get transferred from " manager '' to manager who proceed to give the same answer and for some weird reason they can't provide me any proof of the refund. As of today, I have not received anything. The bank did what they could but the money has not shown up on my bank account.
Product: Debt collection

Hi Mgr ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you  must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for Financial Recoveries Services. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below. Please take this matter very serious Financial Recoveries Services. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I called the XXXX XXXX One Main Financial to f

ind out what the balance of my loan was. I was told {$5100.00}. This check cleared my bank on XX/XX/2020. One Main w as getting automatic payments on a biweekly basis in the amount of {$91.00}. 
On XX/XX/XXXX, I contacted my bank and told them not to release anymore payments to

One Main Financial. I received a call from One Main Financia
l on XX/XX/XXXX telling me they wanted to retract the paid in full bill ; and for me to pay the additional amount of money in the amount of XXXX On XX/XX/XXXX a bill was produced amount of {$180.00}. 
On Thursday XX/XX/XXXX ( the date I received the bill ) I called the branch to find out why I received this bill. I was first told it was because the pay off amount was returned from my bank, which was untrue. Then I was told it was because the {$180.00} was due prior to the balance being paid, it should have been included in the payoff amount but was not. The bill that was produced on XXXX XXXX it says the amount must be paid by XX/XX/XXXX. I called and sent an email to the corporate offices, and was told I would have to resolve it with the XXXX XXXX branch. 
On XX/XX/XXXX I received another bill dated XX/XX/XXXX. This bill shows the payment amount of {$510000.00}. It also shows a late fee of {$91.00}. This could not be possible because the payments were automatically deducted from my account. 
On this bill it also has an amount adjustment of {$91.00} stating it was applied to the balance. This bill shows the total balance I owe as {$3400.00}. 
I do have documentation of the paid in full receipt, the bills, and the date the {$5100.00} was paid from my bank. 
On XX/XX/XXXX I gave the person I was talking to for payoff my debit card number, as I was paying off the loan from a different account then they had on file. Because of the amount my bank would not let the debit card be used. On this same phone call I gave my account number and routing number for the checking account to be used. The approval from the bank was given at that time. 
I am very concerned about this not being resolved and having a negative effect on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX / XXXX reporting is inaccurate : My history with the company XXXXONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have XXXX calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for!. Defamation of character XXXX. Negligent Non - Compliance XXXX. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in
Product: Payday loan

I 've applied a payday loan many years ago through the internet and paid off since. Then a call came in last year about this, at first the scare tactics worked, I 've paid over {$2000.00} before my bank called me about someone was trying to get money out of my account from overseas, this is when I knew it was a SCAM and changed my cell phone and bank account number. I 'd then consulted a lawyer who told me to stop paying and if it 's a legit debt collector, they would have something in writing of the debt and to check my credit report. I have not received anything in the mail from this company or was it on my credit report. 

Then 2 to 3 weeks ago I 've been receiving robotic calls again from XXXX at home and work stating that I need to call back XXXX with claim # XXXX. I 've called an attorney today and they told me the claim # provided from XXXX, there is no such claim or case number against me. I have been reading posts on this number and all the post states it 's a SCAM and suggests that I report this number to CFPB and the attorney suggest that I call the attorney general 's office and file a complaint, so this is what I am doing. I 've blocked the number from my home but they find other ways to call.
Product: Mortgage

I was in the middle of refinancing Pennymac home loan at XXXX XXXX XXXX XXXX NV XXXX with another Bank and I signed closing papers with notary on XX/XX/XXXX. 
To my dismay I received correspondence from new bank on XX/XX/XXXX stating that they require additional {$560.00} to close loan since Pennymac rep didnt provide correct payoff info to new bank and the reason being Pennymac had to pay extra insurance payment. I do believe that this insurance payment is not necessary since Pennymac already paid {$960.00} to XXXX insurance on XX/XX/XXXX and also paid another {$250.00} on XX/XX/XXXX to another insurance company from escrow account. Some how I was asked to wire additional {$560.00} to close loan due to fact Pennymac rep didnt do due diligence when they fax wrong payoff info to new bank which could possible resulted in late fees and also pay extra mortgage to pennymac as well as new bank at the same time since XX/XX/XXXX. I kindly request Pennymac refund additional {$560.00} payment that I had to pay to new bank due to wrong payoff info provided by Pennymac rep which resulted in me spending extra money / time and mental break down since I was told my loan was closed on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On Monday, XXXX, I sent XXXXUSD to XXXX XXXX XXXX through MoneyGram, Reference Number : XXXX. The funds were to be deposited to his XXXX XXXX XXXX account in XXXX XXXX, however, when Mr. XXXX went to the bank to collect them, he was told that his name was not correctly printed on the transfer, and that there were no funds to be released to him. Accordingly, I contacted MoneyGram this morning, XXXX, at approximately XXXX and requested that the transaction be canceled and the funds be returned to my checking account from which they were withdrawn. Although he said he would try to submit a refund request, the operator responded that the money had in fact been deposited into Mr. XXXX XXXX  account and it could not, therefore, be refunded to me. He stated that MoneyGram has no means of returning funds already deposited in a bank account or to guarantee that they are delivered to the intended recipient, thus effectively leaving me with no options for either recovering my funds or ensuring that they are delivered to Mr. XXXX. When I asked the MoneyGram operator to send some kind of documentation of my phone call with him wherein I asked that the transaction be canceled, he responded that there was no way to do that. There is, therefore, no official record of my cancellation request. I need help either recovering my funds from MoneyGram, or ensuring that they are delivered to the intended recipient.
Product: Credit card

I opened a credit card on XXXX XXXX store. The statement and the card got to my after the due date but nevertheless I paid for the products I purchased. However, the company charged me late fees. I told them that it was not my fault receiving the statement after the due date and requested to cancel the credit card and wave the late fees. Company did not cancel credit card and it has been charging late fees and interest that now amount to {$190.00}
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX has a cease and desist order on their account .XXXX XXXX XXXX XXXXXXXX ID # XXXX confirmed it is there. USC 15 S 1692a ( 2 ) defines communication as means the conveying of information regarding a debt directly or indirectly to any person through any medium.. XXXX XXXX reporting to Equifax is medium of communication. I given them a refusal to pay this debt they charged off exercising my RIGHTS per 15 USC S 1692C section C.

The account is reading as charged off which they are claiming as a profit loss to the IRS but are still reporting a balance of {$710.00} on my credit report which is an illegal practice. I never received a copy of the 1099-C 15 USC S1681a Section 2_excludes my transactions and history from my consumer report. PER 15 USC S 6802 ( B ) ( 1 ) ( a ) ( b ) ( c ) there were never instructions on any letter you sent me for an option to OPT out of any of this information being reported on my consumer report. Therefore my information is being illegally reported without XXXX XXXX the consumer 's consent. Equifax is participating in this illegal practice by allowing a tax income break as an owed balance Ive attached my ID and Bank statements for confirmation. Social XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Credit card or prepaid card

In XX/XX/2017 I made a payment of {$5700.00} on my HSBC Mastercard. This should have reduced the balance to less than {$3000.00}. Sometime in the Spring 2017 I was contacted by HSBC to inform that there was suspicious activity on my account. They promised to send me the details and dispute forms. Those never  arrived. I kept making payments on the account and in XXXX I made a payment of more than {$500.00}. HSBC is now reporting that I am delinquent and owe them nearly {$9000.00} on this account. Further, my request to have the payments held at {$100.00} per month until this is resolved was declined because " I was not in collections. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, I had sent out a letter to EXPERIAN to dispute the inaccuracies on my credit report for late payments regarding these accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX EXPERIAN revived my letter and have not send the documentation proving the accuracy on my report. I have demanded that I receive documentation from the creditor indicating that I have been late on these accounts. Pursuant to 15 usc 1681a ( 2 ) ( b ) I demand that you remove this inaccuracy on my report and update to paid as agreed. I expressed my right to demand that EXPERIAN disclose to me all documents they have recorded and retained in my consumers file at the time of request concerning these alleged late payments EXPERIAN is reporting on my credit file. EXPERIAN can not just reply in writing stating that EXPERIAN has verified alleged late payments on my accounts without supporting full disclosure documents of how EXPERIAN has verified alleged account. By publishing these inaccurate and unverified items on my credit report and distributing them, you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because EXPERIAN was unable to provide the necessary documentation.
Product: Checking or savings account

In XX/XX/2021, I was scammed out of {$420.00} dollars from someone promising me service but I never received the service promised. The person blocked me on social media and I couldnt get in contact with them.Ive tried reporting their account but was unsuccessful. I contacted XXXX XXXX about this situation first but they said there was nothing they could do about it. I then filed a dispute with my bank ( Wells Fargo ) hoping I could get the money or some money back but instead I was denied because the money was sent willingly. I have conversations between me and the other person as well for proof and also transactions.
Product: Credit reporting or other personal consumer reports

INQURIES THAT WAS NOT AUTHORIZED AT ALL ASK COMPANYY TO REMOVE AND THEY HAVE NOT REMOVED.

SEE ATTACHED
Product: Debt collection

collection agency Capital accounts which is a debt collection agency was paid the debt received a receipt of which I paid the amount owed but will not report that debt was paid to XXXX, or XXXX need them to correct this.
Product: Credit reporting or other personal consumer reports

There are accounts and inquiries on my ChexSystems consumer report that are not mine and do not belong to me. I have been a victim of a identity theft and I have filed a Police Report as well as a report with the Federal Trade Commission. All I want is for ChexSystems to remove those accounts and inquires. Here is the full details of the situation : In XXXX, during our move from XXXX XXXX XXXX our house was XXXX  before we completed the move-in process. Unfortunately, my girlfriend left the door unlocked while we traveled back to XXXX  to retrieve more items from storage. The thief seized the opportunity and stole our TV, along with several personal documents such as my birth certificate, driver 's license, and social security card. 

Although I managed to replace the documents at that time, a recent check of my ChexSystems consumer report unveiled unauthorized activities using my identity. Over the past few years, someone has opened multiple bank accounts and made several inquiries without my consent. The fraudulent accounts and inquiries are reported on my ChexSystems consumer report, and here are the details : 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 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 I have already taken steps to protect my information by placing a freeze on all my consumer reports. I hope that by sharing this information, we can work together to apprehend the person responsible for these actions. Your assistance is greatly appreciated as I seek the resolution I deserve. Thank you.
Product: Payday loan, title loan, or personal loan

I went online to apply for a loan in  XXXX  I was offer  XXXX  dollars. I made my month loan payments based on I was told my month fee would be  XXXX . I 'm thinking that this amount Is going towards the total amount borrowed. Well I found out today that this was not true. That amount was only paying off the 700 % interest rate on the loan which I find ridiculous for anyone! I think these Fast cash place should be shut down. They are not helping in any way, it 's all a scam and  a Rip Off. T hey flood you with so much paper work and fine print that there 's no way to understand what it is your signing up for. I think there all  Rip Offs and Prey on  people that are in need. This economy is shot to  XXXX .. everyone is out to take advantage of the less unfortunate. I do n't know how these company sleep at night taking advantage of people! It 's all a set up to get more money out of people who already need financial help. I myself will never ever borrow money from a cash place and make sure everyone I know to not borrow anything from these types of companies. This is exactly why people do n't trust the banks or any of these companies!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX, my monthly mortgage payment increased. That change was only communicated to me through mail, I never received an email or push notification from XXXX XXXX of this change. 

When that letter was mailed, we had moved and my new address wasn't updated. So I never received the notice. 

Each month, I've made monthly payments on time in the amount of the old payment amount. ( I can share XX/XX/XXXX- XXXX of XXXX proof of payment transactions to XXXX XXXX for the loan amount. ) This XXXX, the XXXX between my new payment and old payment reconciled, and it was reported as a delinquency to the credit bureaus and is now on my credit report as a mortgage late. This has significantly damaged my credit. 

This needs to be removed immediately. My mortgage is current, was never late and this has negatively impacted my credit.