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

on XXXX XXXX XXXX we attempted to transfer money to a recipient, however the transaction did not go through because the funds went to the wrong number. we tried to cancel this transaction on the remitly app but to no success. then we contacted the company via phone and the rep refused to cancel the transaction.at this point we are out of XXXX and our recipient never received the transfer. 
we decided to consult our bank for a reversal the bank honored our request the reversal was made. remiltly s rude reps then contacted us regarding the reversal. they insisted that we return the XXXX back to them. when we refused remitly placed a lock on our account and we were unable to make any additional transfers. we contacted them numerous times from XXXX to XXXX and they are still refusing to un lock the account. 
finally we were told that if we drop the reversal and submit a cancelation letter that they would unlock our account.unfortunatley they did not honor their word after the XXXX was returned to them and the cancelation letter was forwarded. 
this is a dishonest company with very rude and insenitive employees.please think twice about using their money transfer service XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting erroneous information on my credit report from Lanier Collections
Product: Debt collection

As part of a mortgage refinance, I paid off CKS Prime Investments in the amount of {$750.00}. It was confirmed delivered on Monday, XXXX XXXX XXXX, and they cashed the check on XXXX XXXX XXXX. I have proof of both. They will not update that the amount is paid with their collection agency, XXXX XXXX. They will not answer the phone and they will not respond to email. XXXX XXXX it seems either doesnt have direct contact with them or cant bring about a solution. I have disputed it with all three credit bureaus, and they will respond to those disputes, only to erroneously update that the balance remains unpaid. I only want my credit report updated and the communications from XXXX to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Mortgage

I bought my home in XXXX XXXX with an FHA loan and am facing a sale date on XX/XX/XXXX by the servicer Money Source. I have gone through a difficult time and hardship due to Covid, crippling sickness for my mother and father ( now deceased ) and also because my fiancee moved out. I have never been considered for the government CARES Act Forbearance plan or been considered for loan modification by the servicer Money Source. I am trying to get them to postpone my sale date so that I can be considered for these government programs. I have been told that Money Source is required by the government to review me for both of these programs, but they are denying me access. I have gone through a very difficult two years and when I got back on my feet I contacted them several months ago to try and resume payments and was told that I had no options other than to pay back all the missed payments in one lump sum. This was not possible at the time, I wanted to resume making regular payments to fix this problem but they told me no. They said that was my only option, but now I have found out that since I have a government backed loan I should have been reviewed for the CARES Act forbearance program or for a loan modification, repayment plan, partial claim or forbearance. None of this happened and I am facing the loss of my home in a matter of days. I have tried calling Money Source several times to explain and request that they work with me, but they transfer me from department to department and tell me there is nothing they can do. I bought my home with an FHA loan in XXXX and made an {$11000.00} down payment. I have worked as an XXXX XXXX XXXX XXXX for 9 years and with my income and the help of my fiancee had no problem keeping up with the bills. However in XX/XX/XXXX my fiancee left me and I was in a difficult financial position. Just a few months later Covid hit and it impacted my hours at work. This also coincided with my father 's XXXX and XXXX getting worse to the point that he had to eventually go into hospice. At the same time my mother was going through XXXX treatment so I had to help them both out with transportation, appointments, prescriptions etc and was unable to keep up with my bills. At the time I was so overwhelmed between all of this chaos that I did not ask for help from Money Source because there was no $ $ to pay them. 

Things started to come back together for me in XXXX and work resumed with regular hours and my father passed. Since I was back on my feet I reached out to Money Source to resume payments but was told it was too late. No one at Money Source explained that the government had the CARES Act available for borrowers struggling with government loans -- -nobody told me that I could apply for a modification or some type of restructure of my loan, instead they just turned me down. I realize that this is last minute, but I believe I deserve a chance to at least be considered for these programs before they take my home away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX : XXXX XXXX XXXX, XXXX, Va, XXXX number : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of XXXX XXXX Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and XXXX XXXX to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requestedPLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX, has violated my rights. 

XXXX5 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
Product: Credit reporting or other personal consumer reports

XXXX  lawsuit settlement I want to update my information so if I am entitled to some money from this I need to update my address and attempted other ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent XXXX  account reporting of {$22000.00}
Product: Mortgage

We purchased a vacant lot and later learned that the Wells Fargo loan was structured as a residential loan. We paid every monthly payment and always on time. When the note was sent that the title was clear and released to us, I simply said that we still had a balance and continued to make timely payments. As we returned to our previous state of residence our renters gave us a letter from Wells Fargo stating they were foreclosing on our property. We had purchased our current residence with WF and our address was known to them as we monthly sent our payment. It was necessary to pay an attorney to represent us to WF and we were charged over {$17000.00} for representation. We have documentation for all above. I protested but did not receive any explanation. Can you please help with this? We are both seniors and my husband is veteran. Thank you for helping us.
Product: Checking or savings account

While I was at work on XX/XX/XXXX in XXXX XXXXXXXX, someone used my Chime debit card at a XXXX XXXX XXXX in XXXX, OK. I shut my card down and filed a dispute once Chime would let me, which is when the transaction clears. It was for {$120.00} & it cleared & posted on XX/XX/XXXX. My physical card was always with me and I have never given out my card info or account info to anyone. Chime denied my dispute. I obtained proof from my work, a letter from my supervisor and a copy of my time sheet, that show I was clocked in and at work in XXXX XXXXXXXX when the fraudulent transaction was initiated ( XX/XX/XXXX ). 
Chime denied my claim again. So then I filed a police report with the XXXX, Oklahoma police dept ( city I live in ) & I called Chime back & provided the Case # from my local police dept. 
My dispute claim was denied yet again by Chime. I want to formally complain about their fraud protection services & dispute process and how unhelpful they have been in working to help me get back my funds when they were obviously stolen from me. I still need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX : {$1400.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$790.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I abhor this! I've sent complaints and sent disputes for months, but I've seen no response to my complaints. I'm being hurt and under a lot of stress as a result of this.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : 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
Product: Debt collection

Re : Request for Permissible Purpose Proof and Account Validation To Whom It May Concern, I am writing to formally request the following information and actions concerning my account with XXXX XXXX XXXX : XXXX. Proof of Permissible Purpose It has come to my attention that XXXX XXXX XXXX has reported information regarding my account to XXXX or more consumer reporting agencies. I demand proof of permissible purpose under which this information was reported, as required by the Fair Credit Reporting Act ( FCRA ). Without my written consent, such reporting is illegal, and I ask that you immediately provide documentation that justifies your actions. 

XXXX. Last Billing Statement and Account Validation I request a copy of the last billing statement associated with this account. Additionally, please provide full validation of the account, including : A copy of the original contract or agreement bearing my signature. 
Documentation that verifies the legitimacy and accuracy of the debt as claimed by XXXX XXXX XXXX. 
XXXX. Fraud in XXXX  XXXX and Security Agreement If any discrepancies are found in the documentation or if XXXX XXXX XXXX can not provide the required proof and validation, this could constitute fraud in de facto. I also request details of any security agreement tied to this account and demand that these documents be reviewed for legal compliance. 

XXXX. Jurisdiction and Legal Compliance Please be reminded that your practices must comply with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as mandated by Congress. Any failure to comply with these laws, including the unlawful reporting of my information without permissible purpose, may lead to legal action under the appropriate jurisdiction.

I expect a prompt and thorough response to this letter. Please provide the requested documentation and confirmation of the actions taken. 

Thank you for your immediate attention to this issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX  XXXX
Product: Checking or savings account

My bank closed a business account due to a fraud alert caused by identity theft. I need to pay the bank if I owe any costs and be able to open a new account, thanks.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Debt collection

Innovative Recovery has opened a false collection action from XX/XX/2015 in the amount of {$2100.00}, this debit is erroneously on my credit report and does not belong to me.
Product: Credit reporting or other personal consumer reports

This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/XXXX and XX/XX/XXXX, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agreed to defer 2 payments on my account with them on two separate occasions. Once in XXXX of XXXX and again in XX/XX/XXXX with no negative credit reporting. This I find out is false, they agreed to the deferments both times and fixed their mistakes once. I contacted them today and was told even though they deferred the payments that they were going to report those payments as late due to their processing times of the deferments. This is totally unfair, why bother filing for an deferment of your payments if the company is going to report a payment or payments late anyway? I also sent them a copy of my wife 's Death Certificate to have my account changed from Joint account to individual account as of XX/XX/XXXX, since my wife passed away XX/XX/XXXX, my account still shows joint account which is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to follow up on the CFPB complaint I made to the credit bureaus on XX/XX/2022, I am submitting this one. When I checked my credit report, I found that some of the data certain accounts were reporting was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX XXXX XXXX  Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00}. I want the credit bureaus to update these accounts since they are reporting false information.
Product: Debt collection

Received calls from asgrecovers, XXXX, several times stating I owe a debt, doesnt give any proper information about any he debt. I do not have any outstanding debts. Their most recent phone number is XXXX.