23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I been having issues when using MoneyGram. When the money is transferred it is never available to the receiver, even after getting a confirmation transfer reference number. I sent money to this person several times before and have not been so upset with the agent service that MoneyGram provides. These people are not aware why and rude. I sent a transfer on XXXX/XXXX/2016 at a Walmart site and it was a10 minute request and was told that the person can get the money with the reference number and their ID. What a surprise they called and said it was not available. I was told " under review '' by the MoneyGram agent then transfer to someone who could not speak English well. So I asked him to slow down, then he hung up on me, very RUDE. 
The agent at the Walmart site when the receiver was also experience the same issue with the MoneyGram reps since I asked my friend. He indicated that the Walmart agent was not please, it took over 30 minutes, which is horrible service. 
Therefore I sent an feedback for someone to contact me within the US. However, they had a person not in the US called. She could not explain why the money was not available and then had the nerve to said " because the person name was similar to someone else ''. This I find to be a false since I sent money to the person several times and never had this issue. This type of information can be consider damaging to my character and the receiver. Therefore, I need corporate with the US to contact me on this matter!!!
Product: Mortgage

Hello, I submitted an application with Cardinal Financial with their loss mitigation department for forbearance back in XXXX of XXXX. I had lost a business in XXXX and my job as a XXXX XXXX lost all overtime and bonus income due to the market conditions. I provided everything they asked for. In XXXX of XXXX XXXX XXXX XXXX XXXX Cardinal financial did nothing from XXXX until XXXX even though I provided all documents. In XXXX they wanted me to re-send EVERTYIHING I had already sent them. Again, black hole they continued to ask for same documents I had provided them. I called them almost daily, asked to talk to supervisors and nothing. No one called me back and when I called and asked to talk to a supervisor, they would say oh they are finishing a call and will call you back. To date not one supervisor has had the curtesy since XXXX, and we are now in XXXX to call me back. I also told them email is my preferred method of communication I have not received ONE email from them. I was told from someone in the loss mitigation department that there would not be any reporting of late payments when I had an open application well they did. This had directly affected my new employment stopping me to be successful as I am working to become a loan officer but because they are reporting that I will only get 12 states out of 59. They also sent a loan modification dated XX/XX/XXXX out to me for a XXXX plan ( I am XXXX yrs. old and have a XXXX XXXX mortgage ) predatory and I NEVER ASKED for a loan modification. Since I received that documentation, I have phoned them 10 times no one either picks up the phone can answer my questions or tell me what any status is, but this is what I have experienced since XXXX of XXXX. I am filing this complaint and want them to be held accountable and they need to pay a fine to me as they are in violation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$750.00} COLLECTIONS XXXX {$110.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$400.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX AMOUNT {$820.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$6400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$16000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$200.00} in accordance with the fair credit reporting act convergent account # 1234, has violated my rights, 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: Mortgage

From XXXX XXXX XXXX XXXX. 
We applied for a modification in XXXX XXXX we completed 3 trial payments. 
We were not given the paperwork to sign to make the modification permanent until XXXX XXXX. 
Why did it take ten months to get a response and an offer for a modification? 
During the ten months, we were in pre-foreclosure status.We received letters and phone calls daily informing us that our home was in pre-foreclosure status. 
Why did it take 10 months to receive a modification?
Product: Credit reporting or other personal consumer reports

I noticed on my Experian credit file that it wasnt showing my credit score so I contacted them immediately. They claim its due to something with XXXX XXXXXXXX however, I have seven or eight more accounts that hasnt reported anything regarding their claim. 

I have been working so hard on my Credit and XXXX my bills on time to have something like this happen to me.
Product: Credit card or prepaid card

I used my HSBC credit card to purchase airline tickets. I had contacted the merchant initially when I was billed twice on my credit card for an airline reservation booking. The merchant stated that i would be granted a refund within 45 days. I waited nearly 60 days and never received a credit. I contacted HSBC Credit card and they advised me that they would put it in dispute. They erroneously cancelled the wrong reservation and left me and my young family stranded in a foreign country. Fortunately, I was able to get us home by repurchasing the tickets, albeit, at 3 times the price. I contacted HSBC to rectify the matter. All the chaos and fiasco aside i would be willing to pay for the original tickets as purchased but HSBC argues that I should be held responsible and forced to pay for the tickets which had to be purchased due to their improper procedures in handling of the chargeback. I have tried multiple times to contact HSBC. I have provided evidence and even have letters from them in which they show conflicting evidence of which transaction they were charging back. The last supervisor who i spoke to gave me the following advice the next time i have an issue : He stated that the next time i have a problem, and am able to get a hold of the merchant that i should NOT involve the credit card company. I was appalled and shocked as this is normally one of the benefits to using a credit card. I told him the same and advised that i wanted to speak to another supervisor. I was told one would be in contact with me within 24-48 hours. It has now been over 1 week.
Product: Debt collection

This complaint is being filed against Javitch Block & Rathbone debt who represent the creditor XXXX XXXX XXXX XXXX XX/XX/XXXX. I was a cosigner for my ex-husband 's student loan for XXXX College and he also attended XXXX College. He went to XXXX College for approximately 3 months then dropped out. He graduated with his XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The paper I cosigned on was for XXXX that I know of for sure was for XXXX. We are currently divorced and in the divorce decree I am indemnified of any student loan debt. However, I have to sell my house and come to find out there is a XXXX dollar lien put on my property in XX/XX/XXXX by XXXX XXXX XXXX XXXX I never signed or had any contact with the company prior to finding out about this lien. In XX/XX/XXXX they garnished my wages for a total of XXXX which was a surprise to me when I received my paycheck. Then, I contacted a lawyer who tried to get in touch with XXXX XXXX XXXX XXXX when contacted no relevant information was given from the firm, and we tried to settle with a certain amount but XXXX XXXX and XXXX would not settle for anything other than the XXXX there was never a reply back from the lawyer ( XXXX XXXX ) hired or XXXX XXXX and XXXX. I realize this is happening due to the loans being put in default, however my exhusband is currently paying all student loans from XXXX and XXXX College in accordance with Federal Student Aid ( FSAID.gov ). I have never received a statement after my wages were garnished and the amount of the loan has never gone down due to my garnished wages and my exhusband paying them as well. After I contacted my lawyer XXXX XXXX my garnishment ceased with no apparent reason. This is causing a major problem in the sale of my house can you please investigate this current situation due to me being left in the dark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and stalking over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and stalking reached an all time high and I became XXXX XXXX  unable to function as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an Equifax report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.
Product: Debt collection

My fianc and I are looking into a lawsuit against XXXX XXXX XXXX XXXX From the very beginning XXXX XXXX XXXX XXXX XXXX XXXX we have been trying to cancel with XXXX XXXX XXXX XXXX after being deceptively signed up for a contract and credit card. They would not let us cancel even when we were within our contract guidelines so we hired a company called XXXX XXXX XXXX and paid them {$4100.00} for them to cancel our contract and they told us to completely stop all contact with XXXX and any collection agencys over 2 years ago. Since then, XXXX has sold debt to a company called Meridian ( a debt collector ). After finding out that our account is in collections we let XXXX know and they are offering a service for an additional {$1500.00} that includes lawyers services XXXX XXXX XXXX XXXX XXXX )! After doing more research into this, we are finding that these services are all a scam, and that companies similar to XXXX  are suing XXXX XXXXXXXX XXXXXXXX XXXX and XXXX XXXX XXXX for misleading consumers into thinking that it is okay to just stop paying your monthly and yearly payments. Something is seriously wrong here and this has turned into a nightmare. We have 2 different collections on our credit reports but both from the same collector. One from XXXX XXXX XXXX for {$1800.00} and another from XXXX XXXX XXXX XXXX for {$18000.00}. We have been in contact with both and they are saying they can not help us because they do not do business with XXXX XXXX XXXX XXXX because they did some very shady things.. The debt collector has been stalling for 2 weeks now and is not able to help us at all. If anyone has any advice on what we should do it would be amazing. We have been back in contact with XXXX XXXX XXXX XXXX and are being told to talk to their lawyers due to the fact the XXXX XXXX XXXX XXXX no longer does business with with XXXX XXXX XXXX XXXX. This is a MAJOR SCAM AND FRAUDULENT ACTIVITY IS HAPPENING!! We are at {$26000.00} in DAMAGES thus far.
Product: Credit reporting or other personal consumer reports

What happened is clear : you failed to fulfill your legal obligations under the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, and your reckless inaccuracies on my credit report have violated my rights as a consumer. 

Unverified Accounts You reported accounts under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  without providing verifiable proof that they belong to me. This is a direct violation of 15 U.S. Code 1681i, which mandates that all disputed accounts be thoroughly investigated and verified. 

Inaccurate and Unsubstantiated Collections Collections under XXXX ( XXXX ), Collection ( XXXX, XXXX ), and XXXX XXXX XXXX XXXX XXXX ) lack any evidence of validity. Under 15 U.S. Code 1681e ( b ), you are legally required to ensure maximum possible accuracy in my credit report, but you have failed to do so. 

Unauthorized Hard Inquiry The hard inquiry by XXXX XXXX ( XXXX ) was not authorized. According to 15 U.S. Code 1681b, you may only include inquiries with explicit consumer consent or a permissible purpose. If you can not prove this inquiry was authorized, it must be removed immediately. 

Your failure to verify or ensure the accuracy of these entries demonstrates blatant negligence and noncompliance with the law. 

I demand that you : Provide verifiable proof for all accounts, collections, and inquiries listed above. 
Or immediately remove any entries for which you can not provide documented evidence. 
This lack of compliance has caused harm to my credit profile, and I expect a corrected credit report and written confirmation of the actions taken to resolve these issues. If you fail to address this within the legally required timeframe, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies under 15 U.S. Code 1681n for willful violations and 15 U.S. Code 1681o for negligence. 

Respect my rights and handle this matter with the urgency it deserves.
Product: Credit reporting or other personal consumer reports

I made a settlement agreement but cancelled and called the merchant directly and confirm the amounts are inaccurate as well as the date the debt was reported.
Product: Checking or savings account

I submitted a cashiers check as an online deposit on XX/XX/29. It is a CASHIER 's Check and Wells Fargo has told me the funds will not be available until XX/XX/XXXX. The issuer has already been charged the money from his account. Not sure where the funds could possibly be at this point? I have received four different answers about the delay... have filed complaints after complaints with the team only to find out different answers every time I have called as the for the nature of the delay. I have been a WF customer for over 8 years and this is just insane. Never have I ever seen a cashier 's check held up. Avoid WF with everything you have.
Product: Credit reporting or other personal consumer reports

I have unauthorized hard inquirys on my account and would like them removed
Product: Checking or savings account

The account was closed in XX/XX/XXXX, because they said I was in violation of their rules. Basically, I did n't have enough money in the account at the time of the transfer. That 's fine. The issue is that every month since XX/XX/XXXX, I 've gotten emails from them stating that there are insufficient funds for the transfer. Even though they are the ones who closed the account, they are still trying to withdraw money. I 've made numerous calls over the last few years asking them to stop emailing me and to confirm that they have closed the account. First they said their system would n't allow them to stop emailing me. Then they said they got it to stop, but clearly they have n't. I have lots of records of their emails in my account going all the way back to XX/XX/XXXX.
I need them to stop bothering me with these emails. I do n't want the idea of someone trying to potentially go after money in my account with this. Nothing I 've done has made a difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 ( regular US mail ) and XX/XX/2022 ( certified mail with return receipt ), I sent a letter to XXXX XXXX XXXX requesting that it provide documented proof of the alleged medical debt of {$370.00}, including specifically the alleged contract or other instrument bearing my signature. I also asked proof of its authority in this matter. XXXX has chosen to ignore my correspondence and has provided no direct response or any documentation. I additionally sent certified letters to Experian and XXXX on XX/XX/2022 and XX/XX/2022 after each claimed in response to my online disputes that the medical debt had been investigated and " verified ''. I requested that they : ( 1 ) provide the name and business address of any individual they verified with so that I could attempt to follow up with that party directly in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D ; ( 2 ) that under FDCPA and HIPAA I was requesting a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information, and to further cease any credit bureau reporting until debt has been validated by me.

Each and every time I continue to get the same generic response that the medical debt has been investigated and verified. I am attempting to resolve the matter, but continue to be given the runaround by XXXX, XXXX, and, Experian. If I indeed owe, they should easily be able to provide me with actual documentation.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023. There are XXXX hard credit inquiries to my credit report. I did not apply for those ones and they are fraudulent activities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already reported it to XXXX. I confirmed with the lender that the card was not approved. But I believe there has been some leakage of my critical personal information.
Product: Checking or savings account

My IRS Tax refund was deposited into the account. I started using the funds and the account was frozen. I provided all necessary documents for the deposit and to verify my identity. The account was closed and almost XXXX XXXXXXXX of funds were kept by the bank with out a refund being issued after the expected return timeframe. Its been over a year time and still no answers for anything. Ive read deposit agreements which stated that my deposit was in compliance with the agreement signed and dont see any further reason why the account was closed and withheld. I contacted irs they explained no request were made on their end nor was the funds returned to them either. As a result of this I caused some self harm to myself due to me losing my way of life ( home, job, & car ) in which chime contacted my local police department and sent them to my Job weeks later. Ive contacted lawyers and have sent intentions to peruse legal action. Ive made complaints with XXXX  still no resolution. Ive tried all I could to resolve this issue and receive funds after numerous employees from chime said I should receive funds in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion updated my balance for my XXXX XXXX acct to a previous balance of XXXX on XX/XX/2023 on XX/XX/2023 the same balance was applied and is incorrect I have previous dispute of this incorrect amount owed and transunion corrected it then returned it back to XXXX this balance also should be corrected to XXXX  and is usually reported after statement date which is the XXXX not the XXXX of every month