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

OnXX/XX/2019, I attempted to send {$1000.00} to my brother abroad via MoneyGramwebsite which I have used to send money on a monthly basis over the past 3-4 years. 

After filling the receivers information, I clicked the send button as I usually do, but this time it took me to an error page asking me to call a number to complete the transfer, so I thought there mighthave been something wrong with the information, therefore I reattempted to send money a second then a third time, both of which lead to the same error screen, thus I decided to use another online service to transfer money instead. 

Althoughthe transfer attempts have beenlabeled erroneous by MoneyGram ( I can supply you with screenshots from the webpage ), I was surprised to receive a notification from my bank onXX/XX/2019 that my checking account has reached zero causing an overdraft protection transfer from my savings along with applicable fees. I looked up my checking accountand was astonished to find that MoneyGram has charged me {$3000.00}, corresponding to 3 transfers in the amount of {$1000.00} each along with their transfer fees ( {$25.00} each ). I contacted MoneyGram who claimed they never took themoney and said it's a standard procedure for them to have the bank issue authorizations for requested transfers, but stated that this does not happen unless the transfers went through. 

I disputed the authorizations with my bank onXX/XX/2019, who promised to investigate this and refund the money in a maximum of 10 business days. MoneyGram, on the other hand, stated that the money should be back by end of business on XX/XX/2019, nevertheless the money has not been refundedas of today XX/XX/2019, and to make things worse these authorizations have been converted to posted transactions now. 

I spoke to MoneyGram 3 times so far, once on XX/XX/2019, again on XX/XX/2019 and a third time on XX/XX/2019 and every time they either say something close to : " the money should return very soon '', " your bank initiated the authorization and you should contact them '', or " we will investigate this and it will take 72 hours ''. 

I have been in a financial deficit of XXXX {$3000.00} from XX/XX/2019 to present time because of the repeated failings of MoneyGram to refund my money which they illegally took from my bank account for erroneous attempts of money transfer. Even if this was the result of a system error, the fact that they continue to handle it very bureaucratically with repeated deferrals of action and no regard to the sustained financial damages is extremely appalling. 

I am not sure if punitive damages can be pursued in this case because the company really snatched {$3000.00} from my account for no reason whatsoeverand repeatedly failed to initiate an immediate refund for almost 2 weeks. 

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

I submitted a letter to the EQUIFAX Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$920.00}
Product: Debt collection

The company Receivable Solutions Inc reported collection account on my credit report without sending me notification in the mail that I owed this amount to them. 
I owed a medical bill to the XXXX XXXX XXXX. My South Carolina Income Tax was garnished to settle this bill. I received a bill from the XXXX XXXX XXXX asking me to mail a payment to them for the remaining balance. It said make check payable to XXXX XXXX XXXX. It never mention Receivable Solutions. A representative from Receivable Solutions stated that they sent me a letter in XX/XX/XXXX. I have not received a letter from them stating that I owed {$180.00} and that I had 30 days to dispute this amount before it would be reported to my credit report. I was making payments to the hospital. Receivable Solutions reported a collections to my account for a balance of {$180.00}. They never sent me a letter in the mail giving me a chance to dispute or pay this amount before they reported this to credit bureau. This is a violation of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. They should have sent me a letter stating that I owe this amount before they reported and put the collection account on my credit report.
Product: Debt collection

They have been calling for 4 years now for someone who does not have this number and has never lived here. I do not know them and I have constantly told them they have the wrong number but they keep calling. They can find out who owns this number and that person has never had this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX 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 did not authorize the credit application made by 1. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2022 3. XXXX XXXX on XX/XX/2022 I believe someone used my social security
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

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

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chance of owning a home, getting a vehicle with a low XXXX or even credit card. I was denied use of my credit recently that brought this to my attention. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. XXXX. The balances are in flatted on accounts. XXXX. The date of the Last Activity are inaccurate. XXXX. The date Opened are inaccurate. XXXX. The Closed Date is incomplete on accounts. XXXX. The Dispute Status is incorrect. XXXX. The XXXX XXXX is incomplete and inaccurate. XXXX date of birth is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not notified properly of any negative reporting as outlined in the fcra Also I do not or have not done any business or have an open account with any of these people. XXXX XXXX  TransUnion Please take the time and consideration to remove the incorrect information from my credit report, within our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty-day.
Product: Debt collection

The account was settled with this company. I have obtained those records, but they are insisting that I am still responsible for the amount. They have refused to take the item off my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file an FTC and CFPBB ASAP!
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan with XXXX  for {$6000.00} that I was making payments to XXXX a month. If I fell behind customer service informed me that as long as I made the payment by the XXXX of each month and even posted online by that time, that the payment would be honored and would just take XXXX to XXXX hours to process. I usually see results taken out of my account the next business day. 
I fell behind on payments due to XXXX issues with family. During that time I was contacted by Indebted.com, who claimed that they were working on behalf of XXXX to resolve past due payments. They offered a payment arrangement online for XXXX payments for {$350.00} which would make the account current. The website also show that it takes XXXX to XXXX hours to process. 
On XX/XX/XXXX I went online to make a payment arrangement with indebted for XXXX payments of {$350.00} XXXX in XXXX and XXXX in XXXX. The payment was supposed to be taken out on XX/XX/XXXX but it was taken out on XX/XX/XXXX. I have email confirmation of the payment arrangement and the payment. 
Since it was done before the XXXX I assumed everything was fine. However on the XXXX I received an email from XXXX saying that the payment wasn't received in my account was in default. I contacted XXXX XXXX  and explain to them about the arrangement with indebted. They say they never receive anything from them and to contact them. I contacted and did it and work with a representative who stated that it may take awhile to process and to give it a couple of days to reach XXXX However an hour after I talked to the representative I received an email saying that the payment plan was canceled. The {$350.00} was never used for the payment nor did it get refunded to me.
Product: Checking or savings account

I have just discovered that I have been scammed out of {$25000.00}. I can trace the origin of this scam ( fraud ) directly to an employee or employees of Chase Bank. I have excellent notes, phone numbers, communications and personal information about the person or persons involved. The fraud included the use of computer hacking and wire fraud, and took place during the dates of XX/XX/XXXX and XX/XX/2024. During that time I was in daily contact with a person who identified herself as a bank fraud expert, specializing in internal investigations. She was a DIRECT contact, to whom I was transferred by Chase employees when I called the customer service number listed on the back of my Chase Visa card. Because my computer had been hacked, I called to check on the security of my cc account and my bank account. 
I have been unable to obtain copies of my phone records. I will continue in this effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is in violation of 15 USC 1692g ( b ).

Company never ceased with reporting to my consumer report after I disputed the debt.

Company is in violation of 15 USC 1681 ( g ) ( b ).

which states nothing in this paragraph shall be construed to REQUIRE a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

Company is in violation of 15 USC 1692 by using unlawful criminal means ruining my reputation by including accounts not permitted on a consumer credit report by law according to 15 USC 1681 A ( 2 ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX summit the mistake to the credit bureaus as me not being 30 days late on my credit card payment in XX/XX/2022. The credit bureaus XXXX, equifax and XXXX removed the late payment but never gave me back my points that I lost from the late payment being reported which was a XXXX point decrease. As a consumer, by law my credit report must be 100 % accurate immediately by the credit reporting agencies updating and/or removing the account listed in my dispute letter attached. The credit bureaus did not give me any points back at all which was wrong.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXXXXXX 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 or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

Account : SUNRISE CREDIT SERVICES # XXXX I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Original instrument of indebtedness
Product: Credit reporting or other personal consumer reports

Im reaching out because my credit report contains incorrect information that needs to be fixed immediately. I filed for XXXX XXXX  bankruptcy on XX/XX/XXXX, and all included debts were legally discharged. However, my report still shows some of these accounts as delinquent, late, not paid, or charged off, which is inaccurate and damaging.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to maintain accurate and up-to-date information. Additionally, the Bankruptcy Code ( 11 U.S.C. 524 ( a ) ( 2 ) ) makes it illegal for discharged debts to be reported in a way that suggests they are still owed. These errors are hurting my credit and misrepresenting my financial status.
Product: Debt collection

I have spoken with XXXX from this company on 3 seperate instances. He originally called me on XXXX and left a message stating an attorney told him to call me. After reaching back out to him the same day he berated me over the phone about a gym fee I acquired the same day. I got the gym membership because I was temporarily homeless and needed a place to shower. When I moved into my new apartment I brought my XXXX wife to this new gym to look at it. We where in there for less than 2 minutes and never touched any equipment or even left the designated walk way. I then get a call from the gym owner demanding XXXX dollars payment immediately for the infraction. After explaining that I don't have any money because I am a disable vet on a fixed income he hangs up. 2 hours later I am then contacted by XXXX at Internal Credit Systems and am further harassed. When I tried to explain the same situation to him he cut me off because he didn't want to hear my " sob story. '' He then told me that he doesnt have to hear my explination, that it was between the gym and I.Then on XX/XX/XXXX I received a collection letter in the mail. When I called on the XXXX, he immediately started yelling on the phone before I could even finish saying what account I was calling about. He then accused me of wasting his time and said he was going to hang up on me. He then went silent and I assumed he hung up so I called him back. The second phone call continued with him yelling about me wasting his time all while he berated me for 6 minutes before I could even speak. We then argued about what he had previously said to me where he accused me of breaking the law by allowing someone in the gym. When I asked to speak to the attorney the originally told him to call me he said that wasn't an option and that he is the head of the company. He then told me not to call him again unless it was for payment. I have all of these conversations recorded. 

I originally filed this complaint to the XXXX. XXXX promptly responded with this. 

" He knows that's not what happened. The gym sent him to collections because he illegally let someone use his card to have access to the club. The contract states that they can fine the member up to {$250.00} dollar per occurrences. They have him on tape doing it. End of story. " I have now included my original voice-mail as well as my most recent phone conversation with XXXX on XXXX XXXX. These alone prove that XXXX has a continued history or harassment and lying in order to intimidate customers into paying.
Product: Debt collection

They are claiming that we owe XXXX  months rent. The rent was paid by XXXX XXXX of Minnesota. Further more. The apartment was released before XX/XX/2021. I drove by the apartment building and could see people living in the unit and furniture on the balcony. 

They are attempting to double and triple dip which is against Minnesota law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX of inquiry : XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX  Date of XXXX : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

myXXXX  Closed Accounts Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections generally stay on your XXXX credit report for up to 7 years from the date of first delinquency 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 XXXXXXXX
Product: Debt collection

Good Morning, They Give a false name, Always stating they have a subpoena to serve at my work or home and I need to show them two pieces of legal ID.

or they try to ask me my financial status and which forms of payment I need to use.

Not a company name but a person name. ( XXXX, XXXX, XXXX, XXXX ) I ask them to remove my number and to stop calling and they just hang up. 
I block the number calling, then the next call is same harassment just different number. 
I can List all the numbers if needed there are about 40 with-in a 30 day span. 
All area codes XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Two or Three times a day. It has got to the point where I shut off my work phones mail box for messages.
Product: Debt collection

After examining my latest credit report, I noticed several accounts that appear to have been added without authorization and seem inaccurate. I ask for these fraudulent accounts to be blocked and removed right away.