23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year>, i looked at my checking account and found there was a charge of XXXX dollars and another one of XXXX dollars that I was not responsible for. I called the bank to report the problem. The young lady I spoke with said that this type of thing happens a lot and that it usually starts with something small. At that point, she looked into my account, going back several months. She found the problem with a small amount that I did not purchase and submitted multiple charges over several months. The charges were mainly in the area of XXXX dollars or such. I was told I waited too long to file in order to correct the problem. I was told, by the bank that the charges would not be reimbursed. I spoke with the local bank manager, who looked into it for me. They said they would llisten to the recording of my complaint about the money. I told them that I could understand not going back several months but I called in the XXXX and XXXX the day after it occured. I have yet to hear from the bank about the XXXX and XXXX dollars that were taken out of my account. The bank manager told me that he would keep me posted and look into the matter more. That was 5 or 6 weeks ago and I have yet to hear back from him. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, Reference # XXXX U.S. Bankruptcy Court, 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
Product: Money transfer, virtual currency, or money service

I used Moneygram.com online service XXXX to transfer {$2000.00} US dollars to a relative living in XXXX. Moneygram declined my request, which is fine. I was told on XXXX that if money was taken out of my checking account I would receive a a refund within 10 to 15 business days. 

As of XXXX I had not received a refund so I called Moneygram. The Moneygam customer service representative at that time stated that there was nothing Moneygram could do. The representative instructed me to file a complaint with my bank. 

I filed a fraud investigation with my bank on XXXX. 

On XXXX I called Moneygram again and was told that even though the transaction was declined, it was not cancelled, thus the refund was not processed. I was told that I would receive the refund in 10 to 15 days.

My complaint is : 1 ) Moneygram has concerning, sloppy operations. If the transaction was declined, why was not the transaction cancelled immediately to stop the withdrawal from my checking account. Further, despite that gap, the internal process/procedures to review declined accounts and cancel the transaction has no controls causing customers emotional and financial harm.

2 ) if my transaction was declined, why did Moneygram take money out of my checking account in teh first place? When a decline is made, Moneygram should have an automated process to automatically cancel any sort of withdrawal request.

3 ) The time frame for a refund is archaic. I understand it may take a day or two for funds to be electronically transferred from one bank to another. Most transfers I initiate from one bank to anyther takes two, maybe three days. Being that Moneygram already has my funds, the transfer process should not take more than two to three business days.
Product: Mortgage

On XX/XX/2021 I was approved for a COVID Relief Mortage Modification, but it required my ex-wife to sign the documents. Because I had an injunction against her that was not possible, so I explained that to the bank rep, and they requested I provide my final divorce decree, so I did. 

Next, they requested I have my ex-wife sign a quit claim deed. However, the County Comptroller informed me that the recorded deed did not have my ex-wife listed, so a quit claim was not required. That was explained to the bank rep and a supervisor, but they insisted they had a deed with her name listed, so I requested a copy of the document and received the " Mortgage '' instrument, which was also recorded with the County Comptroller, but the comptroller explained that was not the deed, but a security instrument on the banks behalf that only they can modify. That was explained to the bank rep, but they insisted I had to submit a quit claim deed. I further explained to the bank that the final divorce decree states it may be used in lieu of my ex-wife 's signature to modify the mortgage because she failed to comply with the judge 's order to sign the document. The bank rep notated the account and informed me it was going to be reviewed by their underwriting department. 

Those events spanned approximately 5 months before I received yet another letter requesting a quit claim. I did not know what else to do and my account changed from " Loss Mitigation '' back to delinquent.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiry : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting

Transunion is currently reporting XXXX closed XXXX loans with a current status XXXX 120 days past due date XXXX when the accounts were PAID/CLOSED in XXXX 2014. 

also these accounts were never late they were always in the deferred status with no payment due but they are reporting them as 120 days past due XXXX # XXXX {$17000.00} XXXX # XXXX {$19000.00}
Product: Credit reporting or other personal consumer reports

Account information : Original Creditor-Overlook at Sunset Point Account # ( s ) - Experian ( XXXX ), XXXX ( XXXX ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Not only have they violated the Fair Credit Reporting Act, they also violated the Privacy Act of 1974 under 5 U.S. Code 552a.
Product: Student loan

I have tried getting my monthly payment to be lowered by Sallie Mae several times because I feel that my monthly payment is a ridiculous amount and unrealistic for the amount of money that I make. The interest rates are also very high and continue to go up. I am struggling to make my monthly payments, but every time I speak with a representative they say there is nothing that they can do to lower my payments. They have told me that my loans will have to go into default in order for them to be able to help me, but even then that help is not a guarantee. I do not want my loans to go into default as I know that will greatly hurt my credit score and also my co-signers. Sallie Mae does not try to alleviate any financial stress that many of us have, especially with inflation across the whole United States being at an all-time high. I have called and spoken to several representatives on several different occasions about my payments, however, nothing is ever done to help me.
Product: Debt collection

I sent a letter to XXXX XXXX XXXX on XX/XX/2017 notifying them that the debt they were trying to collect on was reported more than 7 years ago. They have not sent me anything contradicting that and are still reporting this account as a collection account. The original creditor removed this from my credit report for the above reason.
Product: Debt collection

Cig financial in California repo my car now they want money from me. They are calling my wife and me telling us if we do n't give them XXXX $ they are gon na take me to court and take my last penny. Also said that when my kids get older and work my debt is going to transfer to them. I better pay or im gon na go to jail.
Product: Mortgage

I took out a home mortgage on XX/XX/2021. 

I put down 5 %, so I had PMI on the loan. 

I completely gutted and renovated the home, increasing its value exponentially. 

I have repeatedly requested from my mortgage servicer, CMG, that they order an appraisal at my expense to confirm the improvements and higher value to remove the PMI. 

They have repeatedly ignored me and repeatedly sent me erroneous information. 

I warned them last week that if they did not respond to me again that I would file a complaint with the CFPB, and, once again, I am being ignored.
Product: Debt collection

I asked the company Receivables Performance to show proof of ownership on the account. I was forced to pay this account because I am getting a mortgage and my mortgage told me I had to pay the account off in order to qualify for the loan.
Product: Credit card or prepaid card

On XX/XX/2020 I attempted to purchase a rower ( workout equipment ). While checking out the website appeared to have been hacked/fake. I called my credit card company immediately and reported the fraud activity. I told them that they should not pay that vendor/amount if it goes through. They decided to let the charge post, so I had to call back and dispute the charge a second time. On my third attempt at a dispute they told me that the vendor confirmed sending me a hot tub and there was nothing they could do about it. At this time I did get more information from Capital One as was able to do my own investigation. This scam is way bigger then me. I did not receive the item I ordered ( the rower ) or the hot tub they claimed I got but I did receive a fork and a spoon from XXXX, company XXXX, an underwear factory located on the first floor ( same company you see all over the news sending people seeds ). I submitted a 9 page report explaining everything including other claims from other consumers. I can not speak to anyone who can help me within Capital One and the merchant does not exist for me to contact directly. It is now XX/XX/2020 and I am still fighting this {$110.00} dollar charge. I urge everyone to not use Capital One they do not care about their customers safety, financial well being or their experience with Capital One. I really hope the CFPB can help me.
Product: Credit reporting or other personal consumer reports

These inquiries are reporting on my credit without my permission and it's stressing me out.
Product: Debt collection

I have requested several times for the debt collection agency to send my a debt validation showing my contract and how I owe the amount claimed on my XXXX credit report. XXXX is not allowing me to dispute this online. This is a direct violation of my rights. I do not owe this debt and request for the XXXX time to be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not protect my personal Credit information and was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an FTC report and police report. XXXX XXXX has refused to remove this fraudulent account from my consumer report. I sent XXXX XXXX ( XXXX XXXX corporate ) a notarized affidavit of Truth. She is refusing to remove it. XXXX XXXX broke the law. The dealership forged my signature. The NY attorney general sued them for restitution in the amount of {$300000.00}. The federal laws that were broken are : 15 USC 1 which states EVERY CONTRACT IS ILLEGAL. 15 USC 1605 TRUTH IN LENDING ACT. 15 USC ( b ) ( a ) ( 2 ) ) : A consumer reporting agency can not put anything on my consumer report without written instructions from the consumer to whom it relates. WITHOUT MY CONSENT IS IDENITY THEFT. FORGING SOMEONES SIGNATURE IS A CRIME. I HAVE ASKED XXXX XXXX TO PRODUCE THE WET INK CONTRACT SEVERAL TIMES AND TO NO AVAIL IT DOESN'T EXIST. THEY HAVE ONLY PRODUCED A COPY WHICH IS NOT MY SIGNATURE. THE DEALERSHIP IS NO LONGER IN BUSINESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, Dept. of EduXXXX XXXX  account # XXXX has violated my rights Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated but how is this possible while they are still reporting 90days late then 120 days, then 120 days again and not even 30 days or 60days late how is these accurate. This is ground for removal.

15 u.s.c 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent a letter pointing to inaccurate and false accounts reporting on my credit report. It has been almost 60 days and nobody has yet to respond to my disputes on the matter. According FCRA 15U.S.C. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall be deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 U.S.C. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ), causing me stress and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX  Data Breach or I will file for litigation.
Product: Credit card or prepaid card

This complaint is time sensitive to try to recover funds in 10-14 days that will reappear on the account. 

On XX/XX/2018 My employee fell victim to a phone scam. She followed their directions and went to XXXX, purchased an AMEX Serve card {$220.00} with my funds and provided the information to the caller Upon determining what had been done, I immediately filed a police report with XXXX Maine Police Department and contacted AMEX who provided me the merchant info for how the card was used at XXXX for {$220.00}. 

XXXX at XXXX was helpful and will return the transaction as fraud to the card in 10-14 days The transaction id of the fraud transaction was # XXXX AMEX SERVE is very disappointing. The did finally answer after hitting 0 # repeatedly as suggested by another AMEX department. They agreed to freeze the card for outgoing transactions but directed me to register the card. Unfortunately, in trying to register and providing all personal information including DOB, SS #, and mothers name..it continued to come back with Sorry an error occurred. I went on to repeat this process with 3 different representatives where they would unfreeze the card and it would say the same. The troubling thing is the call would go to a point then they would say hold on a moment and " we are sorry we are having technical issues with our phone system '' please try your call another time. It was very convenient how this message came up when they seem to chose. 

All that will happen now is the card will finish being registered by whoever the thief is and they card will be unfrozen and the funds gone again. AMEX will not give a new card or send the funds back to me as I requested. I am repeatedly told to register the card and the above., Resolution : I have the card in my possession, the receipt where purchased. I want my {$220.00} refunded to me at my mailing address. 
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 agencies can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous complaint that is disputing some items that came about to be fraudulent. This complaint is to notify you to block the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I sent the consumer reporting agencies letters notifying them that they Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. They also reported without my authorization or permissible purpose and a clear violation of FCRA 15 U.S.C 1681b ( f ). I really think that they are violated my rights and I want to seek legal action about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an identity theft report and a certified letter to Experian that was delivered XX/XX/XXXX. The report was disputing XXXX unauthorized and fraudulent inquiries, and the letter was to update my personal information. On XX/XX/XXXX I received an email response from Experian showing that they deleted XXXX inquiry, and updated my personal information. However, on XX/XX/XXXX I received a copy of my consumer report from Experian dated on XX/XX/XXXX showing the fraudulent inquiry still reporting. This is a violation of 15 USC 1681c-2 ( a ) for refusing to block information resulting from identity theft, 15 USC 1681b ( a ) ( 2 ) for furnishing a consumer report in accordance with the written instructions of the consumer to whom it relates, 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and 15 USC 1681n ( a ) for willful non compliance of deleting unauthorized items from my consumer report.