23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Experian. XXXX, XXXX, Experian has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C. 1681 section 602 A. State I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Money transfer, virtual currency, or money service

Paypal permanently restricted my account for no reason on the XXXX of XX/XX/2022. And all efforts to contact them has proven abortive. I'm unable to receive payments for the services I offer online.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00}.
Product: Credit card or prepaid card

Capital One / Saks Fifth Avenue Credit Card has created a user attached to an account of an individual which does not exist in this household.
Product: Debt collection

Account that is not mines was reported on my credit account. I would like this account removed because it dont belongs to me and the information is bringing problems to my credit profile.
Product: Bank account or service

Back in XXXX, XXXX, I had a judgement filed against me where the bank put a levy on some funds in my account ( {$920.00} ). A couple of days ago, XXXX, a XXXX XXXX served Key bank with papers to have those funds transferred over to them. Instead of Key bank transferring the held funds, they took out money directly from my bank account ( {$960.00} ). Key bank has confirmed the first held funds are still sitting there waiting to be transferred and I have confirmed with the creditor that they sent the paperwork to the bank to have the held funds transferred over and nothing more. On top of that, Key bank with drew funds from protected funds ( I collect unemployment ) and also took it from an account that had less than the NY State protected amount per the XXXX law of {$2700.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent an affidavit to XXXX XXXX requesting the signed contract, authorized representative for the company, irs forms that was filed or that need to be filed to cancel the debt XXXX, XXXX and XXXX. And to update my consumer credit report. I have not received any response or updates. Attached is a copy of my affidavit.
Product: Checking or savings account

I went into a branch with multiple IDs, including my current and active driver 's license, credit card from Chase, and any other forms of ID required. I had my check from my account and wanted to withdraw my money from an account. 

After several minutes, the chase banker told me that they could not give me my money- even though it was 0.5 % of my total account balance. They said they sent a text to my wife ( also on my account ) and would only provide me the money if my wife texted back in a certain period. 

This is my money, on a chase approved check, in person, with my IDs, signature, and cameras all over the business. I should have access to my money in a checking account without delay. 

I wish the CFPB to take action to ensure that Chase Bank can not prohibit me from accessing my own money because some " system '' says that I need a text code to withdraw. 

This even happened on XX/XX/XXXX at a Chase Branch on XXXX XXXX in XXXX, Arizona. The check was for {$2000.00}. I was unable to proceed with this transaction. The branch manager called me the next day and told me the " system '' overrode the ability of the lead teller to allow me to get access to my money. He said that the system was still in place and that I would not have any assurances that this would not happen in the future. I withdrew from a CC on an ATM and was charged fees from those institutions. 

I should have the immediate ability to withdraw funds and should not have to pay separate fees from other institutions because Chase wants to hold my money. Please help address the situation.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section XXXX of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



XXXX. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



XXXX. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

XX/XX/XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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: Debt collection

For about 2 years I have been working with the Express credit card fraud department and the collections agency that Express retained to collect reimbursement for the debt. Around {$300.00} was fraudulently charged to my Express credit card a couple years ago, and although Express confirmed it was identity theft and found me not responsible for the debt, they still sent it to a collections agency, XXXX XXXX XXXX. Express gave me the run around for a year and a half, which eventually led to two derogatory marks being reported on my credit report for the same debt.

I eventually reported this to the credit bureau directly, who removed the derogatory mark from Express but would not remove XXXX XXXX from my credit report. I then contacted XXXX XXXX directly and was given a fax number to send in documentation proving I am not responsible for the debt. I sent this documentation on XX/XX/year> and received confirmation that my fax was sent. Since then, I received a letter from XXXX XXXX acknowledging my claim and informing me that they were still reviewing it. However, in the last couple of months I have now started receiving emails from InDebted on behalf of XXXX XXXX, still trying to collect the debt. At this point, I have done everything I can to try and resolve this but no one is helping me and I keep getting the run around. I don't know what else to do!
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

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: Money transfer, virtual currency, or money service

Hi, I submitted an online transfer Of {$150.00} + XXXX service charge from XXXX, using my debit card as payment method and direct deposit to Bank account in XXXX through MoneyGram mobile app dated XX/XX/2020 at XXXX. Money was taken from my bank account right away. As per terms, it was promised within minutes transfer. I received email in my junk folder that money has been sent. 
This transaction doesnt show up in history neither in mobile app or on website. 
After 6 hours passed, I contacted live chat of money gram to inquire about the status. 
They suggested me to call MoneyGram helpline. I dialed their helpline number and had to wait over 40 minutes to connect. Finally, call got connected and upon inquiry, i was told that money transfer is stopped because we need DOB of receiver to verify his identity. I provided DOB to the representative, he also asked contact number of receiver and told me that we will call the receiver during business hours and will release the funds. 
Today, whole day passed, they never called. I requested receiver to call MoneyGram himself. MG helpline number in receivers country is out of service. 

At XXXX XXXX on XX/XX/2020. I submitted a formal complaint to MoneyGram via their website, case # XXXX. I received confirmation that complaint has been registered but i didnt hear anything from them yet. I called their helpline again at XXXX XXXX. Waited for over 20 minutes, i finally gave up and registered call back request. As per wait time, i was supposed to receive a call in next 15 minutes. No call came through from agent. I did receive a computerized call for feedback. Its ironic. 

I had an emergency some 2 years ago. I transferred over {$6000.00} which they held for long time with no reason. Upon doing some research online, i learnt thats their common practice to hold peoples money To either never give out or hold for longer period of time. 

My question for moneygram is, Why they didnt communicate to me if there was any problem in verification of receiver? If I hadnt confirmed myself. They were going to take my money with no explanation. Why cant i see this transaction in my history if MG had already taken money out of my bank account? Why its taking forever to process this transaction? If you promised to call the receiver, why you never made a call?

MoneyGrams ill intentions are clearly visible here. Its their common practice to con people.

Read below reviews. XXXX XXXX XXXX  There are many more if you google it yourself.

I submitted my passport and drivers license to moneygram to  verify my account 4 years ago. When they held my money couple of years ago, they made a lame excuse of verification. I sent all the information over again the 2nd time. Nothing was changed at my end. I will definitely be speaking to my lawyer to discuss option of filing lawsuit against them for the damages. Anyone, who wants to join me in lawsuit. I will setup an online presence. 
@ CFPB, i think you should also look into MoneyGram fraudulent practices. I will be happy to share more information if you need.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX  Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$540.00} XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Debt collection

I received my first written statement by mail about a college tuition debt that I owe to Williams and Fudge,  the statement was dated XX/XX/20. On XX/XX/20 a representative from Williams and Fudge called my wife 's phone and left a voice mail stating that they were calling about the debt. My wife 's voice mail message clearly says that it is her voice mail, but they left a message on it abut my debt. I have the message saved.
Product: Credit card

This case is opened as " XXXX XXXX ''. I am still in Discovers system under my maiden name " XXXX XXXX ''. 

In XXXX of XXXX auto-pay was turned off on my Discover card account. I relied on this function to prevent late payments. I did not turn off this function. 

In XXXX of XXXX my husband was looking through our financial information and discovered my XXXX XXXX was XXXX points lower than it should be. Upon further investigation we discovered that I had several late payments on my Discover card. I was confused since I had auto-pay enabled. 

We contacted Discover via chat where a representative confirmed there were late payments and that auto-pay had been XXXX in XX/XX/XXXX. We were very confused and asked them to investigate how this happened. The rep said auto-pay had been " turned off by our system '' but also said they did not see any notifications sent out that would be consistent with their system disabling auto-pay. They said they actually were seeing that it was XXXX on " web/online ''. The discover rep said that they would be able to refund the late fees and have it removed from our account. They said to wait until this posted in XXXX hours then contact the credit bureaus to get the late payments removed from my credit. 

Upon further investigation on the CFPB website I found that it is actually the responsibility of Discover to contact the credit bureaus to fix this and not my responsibility as a consumer. 

I contacted Discover to have them work directly with the credit bureaus. I was transferred to supervisors who said that even though I did not cancel auto-pay, they could not find an error on their side and therefore were not able to contact the credit bureaus to get these late payments removed. They stated they could only do this if they found that they had made a mistake. 

I have several issues with this : 1. There is no 3rd party verification of their findings that there was no bug or IT error that could have caused an auto-pay disable. As I said, I did not disable auto-pay for exactly this reason.

2. Banks never admit culpability so if the only way they would report this to the credit bureau is if they were culpable... they never clean up anything they get wrong? 
XXXX. This is an incentive for banks to purposefully cancel auto-pay on their consumers to get late fees from them. Then if consumers catch them they just give the money back and deny culpability because there is no third party investigation. 

This is theft from the consumer ( in this case me ) and to their credit they returned the late fee money. However I still have negative marks on my credit report and Discover is claiming there is no way to help me get these removed. 

I am seeking CFPB assistance in getting Discover to work with the credit bureaus ( XXXX, XXXX, XXXX ) to remove the derogatory remarks from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report and so these are suspicious to me : XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score and found a derogatory remark from a company called Smith Rouchn, claiming I owed them {$55.00}. I have never heard of or from this company before, but after XXXX   them, I found nothing but 1 star reviews from people with the exact same problem. It looks like a scam company to me.
Product: Debt collection

This debt is on my credit report with XXXX XXXX for {$130.00}. This was taken care of over the phone because the branch was never open at the time in my area as of yet. When I called and said I would love to become a member when the gym opens the rep took care of it on the phone. I have no idea why it says I owe {$130.00}. This is reporting false information which shouldnt be on my credit report. I have called and tried to handle but they dont even have a record of this information. Please remove because of inaccuracies.
Product: Debt collection

I have called Security Credit Services at least 20 times with no resolution. I spoke with a representative named XXXX. The other 19 times I was sent to voicemail with no returned phone call. XXXX would not provide me with any information re : my debt instead she transferred me to a number that was disconnected.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charge-off account that has been reported on my credit report, which I believe is inaccurate. Under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation of the following account. 

On my XXXX account one account is showing closed and one is showing open since this information is inaccurate I would like this removed off my credit report confirmation of your findings. If you find the information to be inaccurate, I expect the item to be corrected or removed promptly. 

Under the FCRA, you are required to complete your investigation within 30 days. Please notify me in writing once the investigation is complete.
Product: Payday loan, title loan, or personal loan

I filed my claim to ACE Cash Express Refund Program well before the deadline. Now the phone number does n't work and I have not received a refund.