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

On XX/XX/2024 I placed {$600.00} into a CoinMe machine in exchange for XXXX. I received an email at that time confirming my purchase was successful however when I attempted to login to my account it would not work. I tried several times and even tried to reset my password but no luck. Next step was to contact CoinMes customer service dept but it appears they dont have one as you cant get ahold of anyone ever. It took almost a month to get a response out of them and their response was that they terminated my account with no notice or communication. 
I was told to open a ticket for reimbursement of my funds so I did that immediately and provided all the information they requested. This was early XX/XX/2024 and for the next few months they were impossible to reach and when they would respond briefly it was very short and not at all helpful to getting to a resolution. There are probably 100 emails where Ive given them all the information they asked for and provided any documentation they requested and I did this several times over the next few months and as soon as Ive done everything theyve asked multiple times and being told a check is being sent they now spring out of nowhere that the account is in someone elses name so they cant do anything for me now. This is months and hundreds of emails later that they decide to tell me so Ive been patient long enough but enough is enough. I believe they are purposely doing this and committing illegal acts by either taking money and not refunding it at all or theyre deliberately holding funds and using it for their operating needs if theyre low on cash flow and wont survive without it but this is by far the worst customer service Ive ever experienced. I want a complete refund with interest as they had hundreds of chances to give me my money back but they chose not to
Product: Checking or savings account

Well I bought this For {$50.00} I thought it was a fun time but it was just points so I was kind of wondering a Sim card it was some minutes on it
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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

i received a notification on my credit report app and i found a new account on my credit it seems like a loan this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, please remove them off my credit report XXXX XXXX XXXXXX/XX/year> XXXX
Product: Mortgage

Im trying to avoid foreclosure. I've tried to do a loan modification on my home but Penny Mac wont open it up or even review it. Now I would like to do a short sale. I just really want to avoid foreclosure. but I feel like lender wont give me a chance for either option.
Product: Debt collection

I am writing to inform you that I have recently become a victim of identity theft. Today, XXXX I discovered a collections amount of {$2900.00} flagged on my credit report. This account was opened XX/XX/year>, and closed with XXXX on XX/XX/year>. It wasn't flagged on my credit report as collections until XX/XX/XXXX, XXXX This incident has caused significant distress as I have suffered from identity theft in the past. I am actively working to resolve this issue and would appreciate any assistance you can provide. 

I contacted XXXX and requested for it to be removed from my report via a dispute. I also contacted the reporting agency and informed them of my situation. They provided me with additional information and asked me to submit a claim with them as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX did a credit report without my consent and XXXX XXXX  did a credit check with my consent XX/XX/XXXX XXXX XXXX  did a credit report without my consent XX/XX/XXXX and SYNCB Amazon place ran a report without my consent XX/XX/XXXX I didn't give these companies consent to run my credit report
Product: Credit card or prepaid card

In XXXX of XXXX I purchased an XXXX stacked washer/dryer with a warranty, I opened a Lowe 's Credit Card and charged the washer/dryer and warranty to the credit card. It was suppose to be delivered on XX/XX/XXXX. When I called them on XX/XX/XXXX to confirm delivery, they said that delivery wasn't going to happen until the end of XXXX. At that time I cancelled the washer/dryer and asked them to refund everything to the credit card. I purchased the same model from another retailer who was able to have it delivered within a week. 

In XXXX of XXXX I received a call from XXXX 's confirming delivery of the washer/dryer, I told them I had cancelled the order and everything was suppose to be refunded back to the credit card. They refunded the washer/dryer, but did not refund the warranty. I have been getting the runaround between Synchrony Bank/XXXX XXXX and their Warranty company since XXXX of XXXX. I have spoken multiple times with them about getting this refunded to my credit card since I never took possession of the washer/dryer, and should have been refunded the warranty in full. 

They have trashed my credit score so that my insurance has gone up and another of my credit cards, has lowered my credit limit, which has again affected my credit score. 

I have spent countless hours on the phone with no resolution. I never took possession of the original item I purchased, I never should have been charged for a warranty on an item that was never delivered. 

XXXX XXXX XXXX
Product: Debt collection

In year XXXX, I had taken a loan amount of {$62000.00} to open up a XXXX in New York. Initially I was delinquent on my payments because my XXXX was n't doing good. In XXXX, I was approached from debt collector company called Green Tree Servicing LLC ( XXXX XXXX XXXX ) and was given the chance to consolidate {$60000.00} of my debt to {$21000.00}. I took the opportunity and paid off the debt in the following two years. I have a settlement letter and bank statements showing that money was taken out of my account. Two weeks ago, I got served with a Foreclosure notice from Debt Collector company XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) requesting an amount of {$62000.00} to be paid off or they will foreclose my home to collect the debt. I want to file a complaint against XXXX XXXX XXXX company for attempting to collect debt that was already paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my written permission to file anything adverse on my credit report. 

In accordance with The Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681A.States I have the right to privacy.

15 U.S.C 1681A Section 2 : it also states that consumer reporting agency can not furnish a without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information any other adverse of information, other than records of convictions of crimes which answer dates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my initial complaint filed on XX/XX/year>, regarding my inability to access my TransUnion credit report. I appreciate the response I received from TransUnion on XX/XX/year>, which stated that they had mailed a copy of my credit report to the address they have on file for me. 

However, as of today, I have yet to receive the credit report that was promised. It has now been well beyond the estimated delivery time of 7 business days, and I'm concerned about the lack of communication and resolution regarding this matter. Ive even called to request a copy sent to me, the agent verified my address it was being sent to however I still never received it. 

I would like to request your assistance in ensuring that TransUnion fulfills their obligation to provide me with my credit report. Additionally, I would appreciate any guidance on further steps I can take to resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

After speaking with PREFERRED CREDIT customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights.
Product: Mortgage

Bank : Wells Fargo Mortgage # : XXXX I had foreclosure process with Wells Fargo late XXXX. 
I think I paid too much fee to Wells Fargo. 
I did not contacted by Wells Fargo regarding CFPB 's lawsuit.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent a domestic wire to my daughter for school. The wire got rejected on the same day but Chase has not returned the money. My bank stated the funds should have been returned immediately. However, Chase stated that my bank has to request the money back and that process could take several days. They also said my daughter needs to call the bank, she did and she walked into the branch. During this time, my daughter is in a different state without funds for food, transportation, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I paid off my Victoria secret credit card. After this date I did not receive a bill for any charges. It had a zero balance and they were charging me finance charges that went unnoticed due to the fact 1. I paid it off and it shouldnt have a balance 2. I did not receive a bill. They then reported this in XXXX to the credit bureaus as being in default. I did not receive any phone calls over those months saying I had a balance or anything. For the years I had this account I wasnt in default. It was current and paid monthly. This hit dropped my credit by a substantial amount.
Product: Credit reporting or other personal consumer reports

According to section 602 ( a ) of the Fair Credit Reporting Act 15 USC 1681, it is essential that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. Equifax and XXXX, being consumer reporting agencies, are bound by this, and as a consumer, I have the right to ensure my private information remains confidential. 

This is supported by 15 USC 6801, which asserts that Congress mandates each financial institution to continually respect customer privacy and protect the security and confidentiality of nonpublic personal information. As defined under this title, a furnisher of information to credit agencies is a financial institution. 

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency can furnish a consumer report only under specified circumstances, primarily with the consumer 's written consent. However, neither the financial institution nor the consumer reporting agencies Equifax and XXXX have obtained my consent to share this information. Therefore, any prior consent given to Equifax, XXXX, or any furnisher of information is revoked, whether it was verbal, non-verbal, written, implied, or otherwise. 

Further, 15 USC 6802 ( b ) ( c ) outlines that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation on how to exercise the nondisclosure option. No such explanation was provided to me by the furnisher of information to credit agencies. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states that, except as allowed under subsection ( b ), no consumer reporting agency may include adverse information older than seven years, barring records of crime convictions. This adverse account is being reported again without my permission, which is unlawful. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) prohibits anyone from furnishing consumer information to a reporting agency if they know or reasonably believe the information to be inaccurate. Meanwhile, 15 U.S. Code 1681e requires all consumer reporting agencies to establish reasonable procedures to prevent violations of section 1681c and restrict consumer report furnishing to the purposes listed under section 1681b. Equifax and XXXX are failing to maintain such procedures. 

Furthermore, 12 CFR 1016.7 grants a consumer the right to opt out at any time, and I am exercising this right to opt out of your reporting services
Product: Student loan

Navient is stating they repurchased my loans from XXXX and XXXX stated they are still my servicing agent for my loans. I transferred my loans to XXXX XXXX in XX/XX/XXXX and I have set up XXXX with XXXX XXXX. Navient is stating they repurchased my loans back from XXXX in XX/XX/XXXX. Fed loans states they are still the servicing agent. Navient has reported the same loans to my credit report and it is causing me to loan as if I own {$240000.00} in student loans which is not true.
Product: Money transfer, virtual currency, or money service

MoneyGram refused to process my online payment and closed my account without explanation. My XXXX hired a XXXX  XXXX  in XXXX to provide online lessons. She requested to be paid via MoneyGram. This is my first time using MoneyGram. I signed up for an online account and attempted to send {$60.00} USD in payment. Not only was my payment denied, but my account was closed without explanation. This is weird, because my credit score is close to 800, and I have experience sending money through XXXX, XXXX, XXXX, and XXXX without any problems. There was no attempt by MoneyGram to ask for additional identification or have me clarify any details. This makes it difficult to pay the coach, because she doesn't use the aforementioned services. I contacted MoneyGram customer support and the employee asked me a couple of basic questions, such as " Have I met this person in real life '' and " How did I meet this person. '' I told her she gives lessons over the Internet via XXXX and I found her through XXXX where she had submitted her resume. I was only sending a tiny {$60.00} USD. There was no need for alarm bells. The employee told me that the payment had been denied, my account closed, and this was irreversible. I asked for the company mailing address and the registered agent for the State of Oregon ( a requirement to do XXXX  in the state ) and she refused to provide this basic information. Later that night I drove to Walmart and sent {$120.00} payment via MoneyGram to the same person, XXXX XXXX, without any problems ( I paid her for today 's lesson and prepaid for next week 's lesson, since the fee was the same ). The reference number is XXXX. MoneyGram was happy to take my payment and charge me a fee in person, without any issues, but they refused to process my payment online and closed my account without explanation. Does that make any sense? The fee in person is also {$4.00} higher than the online fee and it cost me time and gas to drive to Walmart, potentially exposing myself to the coronavirus. I went onto the XXXX  website and saw similar complaints to mine. MoneyGram currently has an F rating. A lot of people are experiencing problems with this company.
Product: Debt collection

This Kohls credit card account says on my credit report that its Capital One. Capital One has no record of it. Kohls has not record of it. How in the world do you handle misleading information? So unprofessional. This is fraud. I do not owe Kohls or Capital One for this on my Credit Reports. Careless use of my personal information. Inaccurate credit reporting on my credit report. No information provided and I was never notified of this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Current Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, Subject : Closed Account Removal Request I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable.

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records.

Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness.

Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days, or I will take further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX. XXXX XXXX XXXX