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

My complaint is about MoneyGram strict rules and regulations in conjunctions with them sometimes working though intermediary who reserves to themself rights not to learn those rules and mistakes that comes from that negligence bring customers a lot of damages. 
On XXXX XXXX 2024 I sent {$9900.00} via MoneyGram from XXXX location in XXXX on XXXX XXXX. 
When I encountered the problem- got message that money is on way, but it never arrived. 
I contacted XXXX : '' I can not track the transfer from XXXX since the money transfer from XXXX is prohibited and MoneyGram website is not available. Can you please help me to track the transfer? '' The answer : " please contact with MoneyGram. We are only the intermediary. '' When arrived to USA I tracked the transaction to find out that " your money is ready to be picked up ''. Yet no MoneyGram location can give me that much cash. Although I brought the check book to that XXXX and specified that it is for purpose of taking the bank account number from there the transaction was set to pick up. 
At XXXX they got bored and stopped to respond. 
I contacted XXXX XXXX headquarter. They redirected complain to customer service in XXXX. Those to some clerk on XXXX XXXX. That clerk found out : " The transaction method can not be changed, you have to cancel the transaction. Can you come to our office? '' although I already told him many times that I am in USA. At MoneyGram customer service already told me that about method. Their customer service is not for solving problems, they XXXX  the questions and answer like : " You can not ger XXXX XXXX from MoneyGram location? Give me your zip code I will give you the MoneyGram location closest to you ''. Exactly what XXXX offers when asked the same. 
My questions : why money transfer method can not be changed even if presented all the information and necessary documents at the MoneyGram location? 
why allow to handle the job the company who charges even more than MoneyGram does, but don't care about MoneyGram rules and regulations? When I told them about monthly limit of transactions from XXXX to USA they simply told me they don't care. 
I booked a flight from USA to XXXX, booked a hotel in order to get the money when the transaction is canceled. It goes without saying that the fee I paid for the transaction would be lost too, it is me who has to pay for their employee mistake. 
I know that it is mostly complain about XXXX. Yet why MoneyGram thinks it is easier for someone to go to XXXX than for them to make an exception and change the transaction method?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes for all of the inaccurate information on my credit report with transunion that is hurting my file. please delete & remove the data listed to help clear my file asap.
Product: Vehicle loan or lease

My Fiance and I needed a second vehicle but neither of us were working at the time but my Fiance had a job lined up. We were looking at a used vehicle at XXXX XXXX XXXX  on XX/XX/XXXX. The dealership told us to submit an application to see if we were approved. I accidentally submitted it to the wrong XXXX. dealership ( XXXX XXXX XXXX XXXX ). A Salesman of the name XXXX XXXX called and said since we already submitted an app with them on accident for us to come in and they will take care of us. We went into the dealership and we explained our situation. That My Fiance had a job lined up and I recently left mine. He then explained do not worry about it just get us old pay stubs and put her income down for her job she has not started yet. I feel both of us were manipulated into trusting him and the company. After spending 8 hours at XXXX  XXXX they finally came up with a deal. They said after 6 months of payments the lender ( Santander ) would be able to lower the interest rate and had me sign a piece of paper. They lied to me to make me sign the papers. Our current interest rate is 16.78 % Total financed XXXX I told the Finance manger we did not want extended warranty or any adons. he said no problem. After signing the paperwork I notice that he added XXXX dollar extended warranty. I've been trying to cancel it for over a year. We finally got back to Florida and stopped in. We got a copy of confirmation that it was canceled with a full refund. Its been months and have not seen the credit. We have called both the dealership ( XXXX XXXX XXXX ) and Santander Consumer USA about the lower interest rate agreement and Extended warranty and neither company is willing to help. I filed chapter XXXX bankruptcy so Santander has not tried to collect from me or my Fiance that did not file. We got a letter that they are repossessing the vehicle XX/XX/XXXX with no other warnings. We called weeks before this letter and they told us it was fine if we made the payment at the end of XX/XX/XXXX. But they sent us a letter of threatening to tow. 

We are in desperate need of help from a fraudulent shady dealership conning us into a vehicle we can not afford and Santander USA for not lowering our interest rate on agreement with XXXX XXXX XXXX and not helping us with lower payments/interest. We told XXXX XXXX we can not afford the payments. They insisted that Santander will make a lower interest and a payment we can afford and had me put initials down on the paper that I did not get a copy of. I also believe XXXX XXXX manipulated our info so that we are approved for the loan. 

In 4 days we are getting the vehicle repossessed with no help from Santander with lower payments or any negotiation. The book value of the vehicle is XXXX. We still owe XXXX and Santander will come after us for over XXXX in deficiency balance. 
XXXX XXXX did not ask us for proof of income/paystubs. I also was charged XXXX for a down payment that I was told was needed for the approval. I filed a complaint with the XXXX  and XXXX XXXX offered me a free oil change and assured me the finance manager that helped me was fired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account numbers XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection is not accurate and can not be validated AND Im seeking litgation! Since I studied my rights and found out that under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1- Fraudulent accounts : 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 XXXXXXXX XXXX Incorrect name : XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXXaround XXXX XXXX  I heard a very loud and aggressive banging at my door. I did not see a car parked in my driveway nor across the street. I asked who was at the door and what they wanted. The individual said she was from the sheriffs office and when I opened the door, the officer hid on the side of the house and then proceeded to hand me the paperwork. She did not ask for my ID and she signed off on the document. This debt is from XX/XX/XXXXthat I was paying on regularly until XXXX. I had to use this card to pay for my mother funeral in XXXX. I have not been gainfully employed since XX/XX/XXXXuntil XX/XX/XXXXand I am now only working part time. I am not looking for compassion but the tactics were aggressive and unwarranted especially for someone like me that suffers from XXXX  with documentation to support that. I have submitted an Answer Document to the law firm : XXXX XXXX and XXXX XXXX XXXX, NC but have not been able to speak to an actual person.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

My XXXX XXXX XXXX XXXX XXXX XXXX issued XXXX XXXX ending in XXXX was closed by the issuer at their discretion in XX/XX/XXXX due to security concerns. The company confirmed the account closure in a letter to me dated XX/XX/XXXX. However charges for {$34.00} appeared eight months later on XX/XX/XXXX and the issuer allowed them to go through despite closing the account. The issuer added late fees and minimum fees to my account after this and then contacted me for payment. I called the issuer on XX/XX/XXXX and also logged into the website to discover the issuer had not closed the account and there was an available balance. I do not trust XXXX despite its letter to have closed my account and wish the department to follow up on this case. 

The person I spoke with was : XXXX Identifier XXXX from XXXX Idaho The Issuer is XXXX XXXX  at phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  collections on my report are wrong and should never have been put on in the first place!  1 ) Sent Senex  proof of state health insurance ( due to  XXXX  ) in  XXXX   XXXX  and explained that the original creditor failed to bill.  Senex refuses to verify this info with   XXXX   XXXX   XXXX   ( I  do n't know about  XXXX  ) in which both companies refuse to remove without the verification . 2 )  wrongfully billed in  XXXX   XXXX  by  XXXX   XXXX   XXXX  when service was canceled and equipment was returned within the 30 day satisfaction guarantee and proof of  XXXX  installation date. Very few disputes are taken at a consumers word and companies like  XXXX   XXXX   XXXX  can state whatever they want with with no proof and whether wrong or right the companies verification is always gold. This is very unfair! I have been trying to get my credit scores up and it 's been a roller coaster with huge dipps in my score. Please Help!
Product: Credit reporting or other personal consumer reports

I have a fraud alert set with all 3 credit agencies. 
on XX/XX/23 i tried to open a store credit card with XXXX. as expected, the store was told to call in for further assistance. they were told additional identity verification was required. i was handed the phone. the nice woman explained they would call the credit agency and they would make a live phone call back to me to confirm my identity. when she returned she told me Transunion did not have contact information to reach me. I knew this was impossible as i created an account with Transunion when I first was told about my identity theft. 
on Monday XX/XX/23 i tried XXXX transunion. their ivr would never complete a call or connect me with an agent. i waited for an hour in their chat queue only to be told to call in. i told them their lines were not working so i requested a supervisor contact me. i was told i would be called within XXXX hours. that never happened. 
on wednesday XX/XX/23, i tried calling transunion again. same thing - their ivr would hang up. i waited for a chat agent, i was transferred twice and finally told transunion does have my phone number. they said a fraud alert prevents credit from being obtained. i copied from their own website proving this was untrue. the chat agent said i needed to call in. i tried while they waited and the ivr hung up on me. they called in and had the same result. Transunion needs to be held accountable and get their systems fixed and their people trained so that what happened to me doesn't happen to anyone else. I was denied a store credit card because transunion dropped the ball.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

My account was compromised on XX/XX/2019. I reported this promptly to Wells Fargo, and there is a XXXX XXXX charge on my account that was not made by me. The charge is {$600.00} dollars. This low funds caused my account to go into negatives and when I made a withdrawal, because the system went into negatives after this happened also caused a {$35.00} dollar fee. I have tried resolving this through the phone, and the associate told me that there was conflicting information given, and I gave my pin to someone. I've talked to the merchant XXXX XXXX and they said there is nothing they can do, and that the person that used my identity made an online transaction and not a face to face one. Also, no one knows my pin. It is disgusting to know that this company only protects consumers when they want to, and their fraud liability is complete lies. I let the agent over the phone know that I reported this to the FTC, and she said she didn't care and that I had to try to resolve this with the merchant. I am requesting a credit for the fraudulent activity on my account of XXXX XXXX, and the {$35.00} fee. Also, when I talked to the agent over the phone the first time, she mistakenly included additional transactions on the fraud claim that made it about {$720.00} dollars, and when I was talking to her I told her I didn't remember exactly, and I don't know who took my card, but how is that conflicting information? This is so disgusting. Also, I would like to close my account after this is resolved please
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been my 2nd attempt to clear all data. checking my file ive noticed all data reported is reporting illegal an fraudulent information. this has caused alot of denials on my credit report. please review an remove the listed items asap to clear my credit report.
Product: Checking or savings account

I received fees on an account that I do n't use often. I was n't aware of the overdraft fees and as a result, I was charged an initial overdraft fee for the charges and then a {$7.00} fee everyday after that. The initial charge that caused the overdraft {$35.00}, but my balance with all the fees is {$230.00}. I have spoken to the bank and stated I would pay the initial charge as well as the overdraft fee and was told they were n't able to. I was also informed that if I did n't pay the fees, they would charge off the account and it would affect my credit.
Product: Debt collection

My XXXX account was included in a bankruptcy filing in 2010 which was discharged in that same year. I did not respond to correspondence from the debt collector about the allege debt for the reason mention above. The collection company should had performed ( due diligence/requested full disclosure of account status ) before acquiring this debt from XXXX. I 'm complaining about it because now its erroneously being reported to the credit bureau and adversely affecting my rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint against Lexis Nexis ( who I obtained a security freeze with on XX/XX/21 ) for providing XXXX information about me in the month of XXXX. I have not received any correspondence back from Lexis Nexis concerning the matter. After speaking with a rep at CFPB I was made aware of a letter that Lexis Nexis sent stating they did not receive identifying info from me. This is false as I have e-mails to prove correspondence and proof that I sent them the ID info they asked for. They sent a letter stating they did not know what I was talking about when confronted with the information they shared with XXXX. I am now filing a new complaint due to info I received from XXXX on XX/XX/21 ( the day before their response letter to the CFPB ) letting me know that they had obtained third party public record information on me from Lexis Nexis. This is against the law!!! The CFPB has VERY CLEARLY laid out the guidelines by which entities may obtain info on consumers that have a security freeze. Lexis Nexis should know the credit bureaus ARE NOT included in that category.
Product: Credit reporting

For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across XXXX Transunion and XXXX that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all three did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all XXXX not complying.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.