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

On Thursday, XX/XX/2023, I used the XXXX money transfer services to send {$110.00} from my back account with XXXX XXXX XXXX. I received a verification from my bank an hour later that the money was taken from my checking account and sent. A couple days later, I checked with the vendor that should have received the money but they said it never arrived. I trust the vendor because I have purchased from them before using a credit card. This is the first time I used XXXX services. I first contacted my bank ( XXXX -- XXXX ) and spoke to XXXX who was very helpful. She verified that the transfer was sent through XXXX, a service XXXX XXXX XXXX offers. She gave me the XXXX transaction ID of XXXX. I took that number and contacted XXXX customer service ( XXXX ) and they say they couldn't help me, to call my bank which I already did. I asked the XXXX employee on the phone why she could not trace the transaction and she refused. In fact, she hung up on me. 

The reason for this complaint is that this XXXX service has taken my money and not delivered it to its intended destination. Furthermore, they would not look into where the money went. I believe my money was accepted under fraudulent pretense. Please let me know if you need any other details. Thank you for the service you prove. I appreciate what your organization does.
Product: Debt collection

First Credit Service is attempting to collect on a bad debt in the amount of {$84.00} the original creditor is : XXXX XXXX XXXX / XXXX, MA Dated : XX/XX/2016. I have never had a gym membership with this gym. 

In addition to that, I NEVER RECIEVED A RIGHT TO DISPUTE NOTICE, pursuant to the FCRA and the FDCPA..which as a consumer, I have the legal right to dispute and or request validation of any alleged debt that a collection agency is attempting to collect on. In this case, my rights have been clearly violated and this agency is in violation of the federal law. 

I have no knowledge of this account I haven't lived in MA in over 10 years and if the account were mine and it is NOT ... would it have reached the statute of limitation for reporting? This company has no proof that this account belongs to me.
Product: Checking or savings account

Once again I recently filed a disputed I have been a chase customer had a checking account for 10 years plus. Never had any major issues. They continue this. I cant even imagine right now.we have had so much on our minds with this scary pandemic. I thought my husbands regular transfer went in account not realizing till over weekend XX/XX/XXXX it didnt. I thought Monday it would clear and honestly didnt check Tuesday XX/XX/XXXX. Not an excuse just so much on top of this pandemic, XXXX XXXX and just trying to keep head above water with everything going on. I went to look at account first thing this morning XX/XX/XXXX and was locked out of account. I called number it prompted me to call. They told me they were trying to close my account and if I could get to bank and deposit cash it would fix and resolve issue. I did to immediately XX/XX/XXXX deposit XXXX cash to bring account current. Again we just have had so much going on with this new not so normal and my husband freaking about corona virus. I have been laid off temporarily to be home with kids while school is closed. I would hope during a time like this they would be a little more understanding. I cant use my card now get into online which I need being home. I do not want a different account or bank everything with our business is here too we love chase. My tax refund is supposed to be direct deposited any day now, my payroll goes through here and I have one more check coming. We have bills and with the craziness not leaving house possible lock down pending I dont have time to open a new account. I have tried since XXXX XXXX   today to reach someone at chase through 800 number. I tried at XXXX, XXXX XXXX, XXXX, XXXX XXXX  and last at XXXX. First time I was on hold for over 30 min then they cut me off. Every other time I called over 49 min wait. I was calling back because they told me too after I made deposit and that they could stop closure of account but I have yet to speak to anyone and I am beyond nervous because I dont want account ending in XXXX to close. I have to much going in and out especially with tax refund. 
Its frustrating again a loyal customer had a checking account for over 10 years, my husband has personal and business accounts there. I I would think after having an account that long being a good customer and wanting to keep my business with them they would look out better for their customers especially with what our country is dealing with. I literally found out XX/XX/XXXX and account went negative day before so had less than a day to fix the issue yet I did immediately once I realized what happened on my end. I love everything about chase up until now and really want to keep my checking account with them. Hoping by getting to tell my side maybe someone high enough up in chase will care about its customers even the small ones to keep them and reopen account. I want fixed as promised and account ending in XXXX to remain open and debit card reactivated. I will continue to reach out myself but again have tried for hours now and cant get through to anyone. We have our kids school coming out XXXX everything is linked to this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing fraudulent accounts on my credit report. This accounts were opened in 2017 when the XXXX breach occured. I've been contacting the 3 credit bureaus monthly trying to get a resolution but XXXX refuses to reinvestigate and XXXX and Transunion continues to update the account without providing anything contract bearing my signature. I'm requesting that these accounts be deleted from my credit report within the next 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were 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 XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$330.00}
Product: Payday loan, title loan, or personal loan

According to my credit report, someone opened an account with " Moneylion Inc '' on XX/XX/2018 using my personal information to do so. I have tried repeatedly to have the information removed from my credit reports as it is the result of identity theft, but Moneylion Inc. has fought tooth and nail to prevent that from happening. Calls to the companies customer service department have gotten me nowhere and when I try contacting them using the phone number on my credit report ( XXXX ) XXXX, the calls go straight to voicemail, which I have left over 10 of to date, without receiving a single call back.
Product: Debt collection

I requested service from XXXX XXXX on XXXX XXXX, 2023 for home internet service. However, after I received my router, I was told by the support service that I would need a co-axil port in my apartment in order to use the service. I informed them I did not have the necessary port and was told that the service would be discontinued as they could not physically provide me the service. I returned the equipment the following day and went to XXXX for internet. XXXX XXXX continues to try to bill me for phone and internet services they have never provided to me and have even received account termination information on. They have gone so far as to refer an {$86.00} collection account to my credit for one month of service despite providing no service. XXXX investigated this account and found it fraudulent ; however, XXXX continues to report it, causing me financial damage. I was notified that XXXX XXXX has a history of litigation for fraudulent account practices, as well.
Product: Checking or savings account

After deposit robinhood from my bank they restricted my account so I can not withdraw my money all I want my money back already requested lift restriction but they still not working and change every due day what they said as you can see in the picture we will notify you by date change everyday and never contacted me even I try to but they not responding my RHS robinhood account No is XXXX my XXXX usd they lock in
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the items listed on my credit report, as I believe they result from a major data breach that compromised my personal and financial information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that all items on my credit report be deleted in accordance with my rights due to the impact of this breach. 

I have recently become aware that my personal data was exposed as part of a data breach that affected [ name of the company or entity that experienced the breach ]. As a result, my information has been used without my authorization, which has led to inaccurate and damaging items appearing on my credit report. 

Pursuant to the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that consumer reporting agencies ensure the maximum possible accuracy of credit reports, I am entitled to dispute any information that I believe is erroneous, incomplete, or the result of fraudulent activity. Given that the entries on my credit report stem from a breach that I did not authorize or consent to, I assert that these entries are both inaccurate and incomplete. 

Additionally, 15 U.S.C. 1681c-2 ( a ) ( 3 ) provides that any information resulting from identity theft must be investigated and, if necessary, deleted. I request that you delete the affected entries from my credit report in full, as they are clearly the result of identity theft linked to this data breach. 

Please provide me with a written confirmation of the steps taken to resolve this dispute. I also request that you send me an updated copy of my credit report showing the deletion of these items. 

If you require any further documentation or proof regarding the data breach, I am happy to provide it, including any notices I have received from the responsible party confirming the breach. 

Thank you for your prompt attention to this matter. I expect to receive confirmation of the deletion of these items within the statutory timeframe of 30 days, as required by law. 

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

This past Spring of XXXX  I began the process of applying for a mortgage to buy my first home at the completion of my extensive years-long XXXX XXXX. Upon applying for the XXXX  mortgage, I was denied due to my inadequate credit score of XXXX, failing to meet the minimum of XXXX. This also precluded me from qualifying for a conventional mortgage due to my credit history. The only derogatory account on my credit report dated back to a XXXX  XXXX XXXX credit card ( with a limit of only {$5000.00} ) that I opened in XXXX XXXX to pay for travel in XXXX related to applying to and interviewing for residency, a mandatory post-graduate training requirement. The card was slated to expire on its own in XX/XX/XXXX and was paid off in full by XX/XX/XXXX with the balance reaching {$0.00}, having never missed or delayed a payment. Evidently, an annual fee of {$25.00} was charged to the account in XXXX or XXXX of XXXX and I overlooked this, given that the account was paid off, no longer in use, and set to expire in the coming months, and thus no longer on my radar. Unfortunately, I did not recognize this oversight until XX/XX/XXXX when I received notice the credit balance had been reduced on the card due to my failure to pay the pending balance of {$56.00} ( after additional late fees were charged ). I paid off the balance immediately and closed the account as quickly as I could that same month. 

When I applied for a mortgage in XXXX of this year, this months-long failure to pay remained on my credit history ( despite being more than 48 months old ) and significantly impacted my credit and ability to qualify for the much more competitive rates of the XXXX  mortgage. More egregiously, when I called XXXX  XXXX XXXX to address and clear this history, I was told by multiple people at multiple levels of their ranks that there was no record of my ever having an account with them and was told there was nothing they could do to correct this issue. I have since had to submit petitions with the credit agencies outlining all of the above in an effort to correct my credit history. This behavior on the part of XXXX  XXXX XXXX has significantly impacted my credit standing and the lending options I had available in purchasing a home. Given the significant difference in interest rates between the XXXX  mortgage I was pursuing and the mortgage I ultimately qualified for, this may well cost me multiple tens of thousands if not hundreds of thousands of dollars over the lifespan of the mortgage, all due to a lingering unpaid fee of {$25.00} that arguably should not have been charged to the credit card account in the twilight of the card 's existence. In addition, XXXX  XXXX XXXX 's failure to correct the issue with the credit bureaus or rescind the derogatory account after 48 months is unacceptable and predatory.
Product: Prepaid card

I have sent XXXX emails with the information they required and it returned as serious errors. I have {$500.00} on the card. They froze the account but that left me without my paycheck.
Product: Credit reporting or other personal consumer reports

Experience credit bureau Reporting number XXXX XXXX According to US 15 1681 & According to US 15 1681 Section 6048 Experience has violated my rights by reporting on authorized information to creditors. Also, it describes that I have the right to privacy. They have validated my right by providing information without my consent, right I have this information removed.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX Would like to exercise my rights to have all information deleted from my account and remove. 
Wrote them letters for several months with no response. My name is Its XXXX XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I SRECEIVED A COPY OF MY INNOVIS REPORT AND NOTICED THAT THEY ARE REPORTING LATE PAYMENTS FOR XXXX XXXX AS WELL AS COLLECTIONS PLEASE SEE ATTACHED IS MY FTC REPORT WHICH WAS FRAUD AND THE LETTER FROM XXXX XXXX STATING THIS WAS SUPPOSED TO BE FIXED.
Product: Mortgage

to whom it may concern, I filed a complaint three weeks ago against Chase Mortgage because I couldn't refinance my house and use the HARP program because I was told that chase use the HARP program a XX/XX/2015 they wrote me back tell me they did nothing with my loan in XX/XX/2015 I research this further I went to XXXX County here in Colorado the county that I reside in and found out that in XX/XX/2015 they sent information to the county on selling my loan which I was never notified of I was never told about and it was so to WaMu so I'm guessing that somewhere along the line they use the HARP program here to do something anyway the XXXX program doesn't go into the county records but the fact of the matter is they lied to you and they lie to me said they did nothing with my loan in XX/XX/2015 and it is registered in the government State Office of recording that they did do something with my loan I want to know what they did and why I wasn't told about it. I was told i could not use the harp program from another bank because it was used in XX/XX/2015 by chase but they say they did nothing which is not true.
Product: Credit reporting or other personal consumer reports

inquires need to be removed due to fraud Experian XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX EXPERIAN XXXXXXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX ERC ( Enhanced Recovery Company ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX and TransUnion for its failure to accurately report information on my credit file, specifically regarding my closed XXXX XXXX account. Despite the account being closed and resolved, XXXX continues to report it negatively and repeatedly re-ages the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

This inaccurate reporting has unfairly harmed my credit score and financial standing. XXXX and TransUnion failure to maintain accurate and up-to-date information is both misleading and noncompliant with federal law. I have previously disputed this matter with XXXX and TransUnion, yet they have failed to remove the account. 

I am requesting that the CFPB investigate this matter and require XXXX and TransUnion to completely remove the XXXX XXXX account from my credit report to ensure compliance with the FCRA and restore the accuracy of my credit file. 

To support my complaint, I have included the following documents : 1. A copy of my most recent credit report showing the inaccurate and re-aged reporting of the XXXX XXXX account. 
2. Documentation verifying that the account has been closed and resolved. 

I appreciate your assistance in holding XXXX and TransUnion accountable for its obligations under the law. Please let me know if any further information or documentation is needed to move forward with this complaint. I look forward to a swift resolution. 

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

Dear CFPB, I am writing to file a formal complaint against [ TransUnion XXXX ] regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Disputed Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being.

I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i.

Thank you for your assistance in resolving this matter. 
Sincerely, [ XXXX XXXX
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 federal protected consumer rights of privacy and confidentiality under 15 USC 1681. Please see accounts and third party furnishers who are violating me : XXXX XXXX XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX  Has violated my rights Date of inquiry : XX/XX/2020 XXXX XXXXXXXX Has violated my rights Account Number : XXXX XXXX Has violated my rights Account Number : XXXXXXXX XXXX Has violated my rights Account Number : XXXX The following companies are furnising these reports : XXXX, XXXX, & Transunion 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A. Section 2 : It also states a consumer report an agency can not furnish account without my written instructions Friday 15 USC 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 conventions of crimes which antedates the report by more than seven years.

15 USC. 1681s 2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

I have had serveral calls from numerous debt collectors harrassing me about these furnished debts these companies continue to furnish and invad my privacy
Product: Prepaid card

XXXX to XXXX unemployment relia card allowed some one to make over XXXX dollar of transactions in my name Ive called multiple times in made report proved everything they wanted me to in they still didnt stop it or cancel out the card in when they did they didnt issue me another
Product: Mortgage

PHH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX PHH has had a short sale package since XX/XX/XXXX. The file has been escalated yet PHH is refusing to give an update on this file. Today, XX/XX/XXXX we spoke with a Manager XXXX Agent ID XXXX XXXX. This Manager outright refused to get me in contact with anyone who can assist on this file in a timely manner. PHH has had this file since XX/XX/XXXX with no updates. The only appointment available for SPOC is on XX/XX/XXXX. by that point they will have had the file for over 30 days. There is no acknowledgement of what docs they have, what they are missing, or that anything is happening on file. The Manager claims their SPOCS handle " many many files ''. PHH is clearly understaffed for the workload that they have, as they take weeks to even give a followup call. ****************THIS IS A VIOLATION OF THEIR SERVICING OBLIGATIONS AND IS THE TREND WE ARE SEEING ON ALL OUR FILES WITH PHH XXXX THIS IS NOT ACCEPTABLE. *************** I want a callback in no less than 48 hours from a manager with an update on the short sale.