23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an extended fraud alert beginning in XX/XX/2019. It SHOULD be there. The problem is that it has an old phone number, for which I am no longer the owner. XXXX and Experian have barred me from updating to my current contact information. I have had repeated problems with attempting to use my own information, as the phone number is no longer mine. XXXX and Experian have not allowed me to update my own information in the alert and it's causing me problems in using my own credit information to obtain services and goods. I have tried to fix this for FOUR years now to no avail. Not for lack of trying!
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..
Product: Credit reporting or other personal consumer reports

31 USC 5118 : ( a ) United States coins and currency, including XXXX XXXX notes and circulating notes of XXXX XXXX XXXX and national banks, are legal tender for all debts, public charges, taxes, and dues. 

( b ) This subsection does not affect the Secretary of the XXXX XXXX under Section 5114 ( b ) of this title to regulate the amounts of United States coins. 

Practical Implications : XXXX XXXX Status : XXXX XXXX coins and currency, including XXXX XXXX notes and circulating notes of XXXX XXXX XXXX and national banks, are recognized as legal tender. 

Acceptance for Debts and Obligations : XXXX coins and currency are acceptable forms of payment for all debts, public charges, taxes, and dues. 

Regulation of XXXX Amounts : While coins and currency are legal tender, the Secretary of the Treasury has the authority to regulate the amounts of XXXX coins. This authority allows for the regulation of coinage denominations and specifications. 

Recognition in Transactions : Merchants, businesses, and individuals are generally obligated to accept XXXX coins and currency as payment for goods, services, and obligations, with certain exceptions. 

It's important to note that the legal tender status of XXXX currency means that creditors are generally required to accept it for the payment of debts, and individuals are typically obligated to accept it in transactions. However, there are practical considerations, and businesses may establish their policies regarding forms of payment, including whether they accept cash, checks, or electronic payments. 

Additionally, the Secretary of the Treasury 's authority to regulate the amounts of XXXX coins allows for the management of coinage to meet the needs of commerce and transactions.
Product: Debt collection

Debt was resolved by insurance company through XXXX XXXX XXXX XXXX. On unknown date. This account or bill was removed and canceled due to it being paid by insurance company. Collection agency does not acknowledge the bill as being paid, make several calls a day and letters sent to my place of residence.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I have placed a complaint against Wells Fargo ( case XXXX ) in regards my Certificate of Deposit that were purchaseD under Wachovia Bank, who has since been bought by Wells Fargo, but all of the local Well Fargo branches are not able to locate the CDs. I recieved a notification that they will look into this issue but unfortunately it has been serval months since contacting them about the situation, and I still have n't been updated to the location of the CDs.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. This creator has violated my rights under 15 usc1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agent can not furnish a account without my written instructions under 15 usc166b a creditor can not treat a payment on a credit card account under a open and consumer plan act. As late for any purpose can you help wit that?
Product: Mortgage

Briefly ; SP Servicing, post Forbearance dated XX/XX/XXXX to present. XXXX ( XXXX ) additional payments were debited from our XXXX XXXX XXXX  account, without authorization from us. We are fine if however these additional XXXX payments would be applied to our monthly contractual ratified agreement. SP Servicing however is not providing credit for the additional funds debited and has stated that these funds were applied directly to principal. This action was never discussed and / or approved by us. Attached is a copy of our XXXX XXXX XXXX statements, showing this action by SP Servicing, again who was not authorized to take funds from our account. WE have had 5 or more phone calls, consisting of 40 plus minutes each on the phone, to no avail or solution. 

We are concerned SP Servicing is leading us towards a notice of default filing come XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Product: Vehicle loan or lease

Wells Fargo make it a hassle to make payments toward the principle. They don't allow you to make payments toward the principle online. They say I have to make a separate payment and call them to apply it toward the principle. The website says you can make the payment at a branch. I went the branch and told them to apply it toward the principle only. I got a receipt stating it's for the principle only. I checked online and they took interest out of it. This is my first payment and I paid it XXXX  days early. I got no fees or late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all 3 bureaus countless times about blocking these fraudulent items off of my credit report. There are still a couple child support items, and a couple student loan collections that still remain on my credit reports in which should absolutely bare no relation towards me. These fraud accounts are not consensual, i never had a relationship with any of them, and there's been no good legal assessment in which i've been sent status updates or verifiable proof from these bureaus investigation. But i do know FCRA Laws and consumer rights, the reporting credit bureaus have been willingly violating the 605 ( b ) law. I've already mailed/faxed my cover letter, ftc i.d report with personal statement, police report, attached list of fraud items sheet and proof of identification sheet. All have been went documented, traced and sent over to all 3 bureaus, by 605 ( b ) law the reporting agencies each only had 4 business days after the date of my mailed documents receipt, to block the said fraud items with all the necessary documents i provided. I got dealt the wrong hand by these bureaus, they disobeyed the laws. NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF These accounts should have BEEN removed/blocked from my account. I have kept a paper trail this entire time, myself and my lawyer are in the process of filing a big lawsuit against these bureaus for Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 4 SSN:XXXX My identity was stolen in early 2018 and multiple credit cards we taken out in my name. They were charged off and sent to collections. 
I have disputed these many times but the credit bureaus and the companies will not help me. Customer service for the companies and the bureaus would not help and remove and take care of the fraudulent accounts and inquiries reporting to my credit report. These are only a few of them I am requesting removed, along with there inquiries. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2018 Balance {$460.00} Credit limit {$350.00} Account type Charge Off Revolving Yes Open No XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XX/XX/2018 Balance {$0.00} Credit limit {$300.00} Account type Charge Off Revolving Yes Open No Authorized user No XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XX/XX/2018 Balance {$870.00} Credit limit {$0.00} Account type Collection Revolving No Open No Authorized user No
Product: Debt collection

I was in the process of fixing my credit so that I am able to purchase a home. I contacted the original Company, XXXX, and was advised that my account was sent to Crown Asset Management LLC. I don not recall being informed that my account would or could be sold to a third party. In spite of this, I proceeded to contact this company at XXXX. Upon calling I was informed that my account has not yet been assigned to a representative and that it was pending placement. I asked how long would that process take the Operator advised that she was unaware and that it depends. She advised me that she could take my information, add it to the account, and when my account is " placed '' they will see the notes that I called in. This was roughly six or so months ago. Between then and now, I have continuously called, on numerous occasions. One call I was connected to an XXXX voicemail. I left a detailed message ( XX/XX/XXXX and XX/XX/XXXX XXXX ). I have yet to receive a call from her. I called back repeatedly. When doing that I would be transferred to a busy signal. When I called back and tried a different option, I was again sent to a voicemail ( this time not XXXX, but a general voicemail box ). I left more messages. Still no one has contacted me. I even made the attempt of contacting the Company via XXXX. I seen an XXXX XXXX, and made an attempt for someone to call me back. I have contacted XXXX and was advised that I could file a complaint on the Company and dispute. I am doing both. Please investigate this Company. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax, XXXX  and XXXX   has ignored my request to provide me with the documents that their company has on file that was suppose to verify/validate the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

This will be our last request to see if Bank of America will negotiate the fees and charges as of statement date XX/XX/XXXX is now at {$58000.00}. 

The {$58000.00} is what we are asking to negotiate not the principal balance {$32000.00}, we agree this is owed not denying this but feel Bank of America is being unfair and not accepting any error on their part on this loan. 


1. We dont have any reconciliation of receiving notification from BOA when they took over the 2nd mortgage. 2. Does not show up on any credit report agency 's. 3. The Lien was never updated thru state/county property report Title agency 's. It still says XXXX XXXX/XXXX  XXXX. 

4. Did not start receiving monthly statements from BOA till XX/XX/XXXX, 1st time we tried to refiance thru XXXX XXXX XXXX. Found out there is a 2nd lien, took research for XXXX XXXX to find out whom owned it because they ( BOA ) never updated thru title agency 's. Thought this was included in our 1st mortgage company XXXX, they also thought they owned the entire loan from XXXX XXXX. Once figured we owned the {$32000.00} to BOA we tried to include this 2nd lien into the refiance loan but XXXX XXXX bank called for payoff but was told cant give payoff due to consumer is in pending bankruptcy status. So, XXXX XXXX or us could go further on this process till BOA gets the bankruptcy code status fixed. 

5. Did a loan modification per Bank of America request with our lawyer XXXX XXXX, was denied the modification loan process on XX/XX/XXXX. 

6. Hours of wasted calls with BOA, back and forth with different departments, some saying cant speak with us we have to talk to bankruptcy department and bankruptcy department was like we show it was discharged, this went on till Dates XX/XX/XXXX till XX/XX/XXXX when the Escalation team XXXX XXXX stated the pending bankruptcy code status has been fixed after I told her, her own BOA mortgage specialist XXXX was seeing the code. 

7. XX/XX/XXXX, Contacted a mortgage loan specialist with Bank of America XXXX XXXX, to see if we could consolidate both mortgages together, started the application for preapproval of {$170000.00} and once again, when called for payoff balance was told this loan is in pending bankruptcy status and cant move forward. 


We have been trying to work with Bank of America to start making payments or pay off this loan since XXXX but have been unacceptable and a frustrated and challenging to do this. 

Again, we don't deny the principle amount {$32000.00} but deny we owe the full amount of IPA of {$58000.00} of overdue payments, fees and charges. The total balance on this loan is now up to {$91000.00}. We feel BOA is part to blame and should take off the fees and or at least negotiate it with us. They had us in bankruptcy for over 15 years when this was discharged in XXXX of XXXX and this is public record. 


XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Money transfer, virtual currency, or money service

Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a concerning matter regarding a series of attempted money transfers from the United States to XXXX, which have led to significant complications and remain unresolved. 

On XX/XX/2023, I initiated XXXX separate transactions with MoneyGram, each with the following transaction numbers : XXXX, XXXX, XXXX, and XXXX. Unfortunately, MoneyGram was unable to successfully deliver or deposit the funds, and these transactions were canceled without any prior notification to me. 

In my pursuit of a resolution, I engaged in a conversation with MoneyGram 's customer service on XX/XX/2023, and requested a refund for the undelivered funds. They assured me that a refund would be processed within XXXX hours. Regrettably, this promise was not fulfilled. 

Recognizing the ongoing delay and lack of communication, I reached out to MoneyGram once again on XX/XX/2023, as I had not received any updates or my promised refund. During this interaction, I was informed that a technical issue had been encountered, but the funds would be refunded within XXXX business days. It is important to note that this ordeal has persisted for more than XXXX months, causing immense frustration and inconvenience. 

Unfortunately, my efforts to resolve this matter amicably were met with rudeness and refusal from MoneyGram 's agents. Subsequently, in an attempt to retrieve my funds, I reported the situation to my bank, initiating a dispute process. In response to my action, MoneyGram has taken the drastic step of closing my account and has conveyed that, due to my dispute, they are unable to complete the refund. Furthermore, they advised me to contact my bank for any further information. 

To date, MoneyGram has not issued the promised refund, and my inquiries for information have yielded no results. Given the circumstances, I kindly request that an investigation be initiated to ascertain the status of these transactions and to facilitate the return of my funds. This situation has caused undue financial strain and distress, and I believe a thorough examination is warranted. 

I appreciate your prompt attention to this matter and look forward to a resolution as soon as possible. Please do not hesitate to contact me should you require any additional information or documentation regarding these transactions. 

Thank you for your assistance in addressing this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Information was found to be fraud and was deleted by XXXX. Experian claims they received the information from XXXX.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Mortgage

Terminated/canceled refinance without my knowledge after signing closing documents. Now have left me high and dry without a way to resolve. Was berated by the " manager '' and was called privileged and fortunate for using there company. Missed 2 payments because of them and the way they have done business.
Product: Debt collection

XXXX and a XXXX party account is charging me for the same account
Product: Debt collection

XXXX XXXX XXXX is actively/fraudulently reporting to XXXX  & the credit agencies a debt that I do not owe. XXXX XXXX XXXX purchased a CLOSED collection account from SPEEDY CASH. SPEEDY CASH reported the closed account balance as {$1500.00} before selling/ transferring the account to XXXX XXXX XXXX ... XXXX XXXX XXXX has now duplicated the original CLOSED SPEEDY CASH ACCOUNT # XXXX And reported this 5 year old closed duplicated speedy cash account to XXXX  as a new/recent collection account. This is a blatant credit reporting of misinformation. XXXX XXXX XXXX  is Knowingly.willfully and recklessly reporting false information to purposely damage my credit. REPORTING LATE PAYMENTS ON A CLOSED ACCOUNT IS A VIOLATION. XXXX XXXX XXXX  REPORTING THAT {$1500.00} IS PAST DUE -IS A VIOLATION. ONLY THE ORIGINAL OWNER MAY REPORT A BALANCE. XXXX XXXX XXXX  RE-AGING THE ACCOUNT IS A ABSOLUTE VIOLATION. XXXX XXXX XXXX   PURPOSELY REPORTING INACCURATE INFORMATION TO DAMAGE MY CREDIT is also a violation. I will not allow XXXX XXXX XXXX  to use these illegal bullying practices against me. I will share my concerns with the Texas Governor in a written complaint along with recording a complaint with CFPB. I hope to save other unsuspecting consumers from silently endearing this illegal coercion and bullying tactic from XXXX XXXX XXXX. I will pursue my rights to hold XXXX XXXX XXXX accountable for the companies deceptive malicious tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of cleaning my credit up do to identity theft. Lexis nexis has several items on my report that don't belong to me and/or are a result of identity theft. While they have deleted several items, several remain such as Name variations, my name is XXXX XXXX XXXX, in the past 25 years I haven't used another name. My maiden name is XXXX. Their are several variations of my name on the report. It also reports I have a Virginia License which I do not and have not ever had. My drivers license information is incorrect, all they have to do is check with Maryland MVA. My license number is XXXX and has been, their is information from XXXX, XXXX, and XXXX that don't belong to me. I have sent them copies of my license as well of my change of address. Lastly there is a bankruptcy from XX/XX/2015 that is not mine. The bankruptcy court say 's they didn't report it to them so I would like to know how they got the information and provide me with all of the identifiers as well as DL information ie picture and ssn number provided to file this bankruptcy. The consumer number for XXXX XXXX is XXXX and the Case number is XXXX. Please help