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

On XX/XX/24, I discovered a fraudulent transaction involving MoneyGram US. The transaction occurred on XX/XX/24 in the amount of {$1200.00}. This money was taken from my personal checking account by an unknown party and was transferred to an unknown recipient. My wife and I do not now, nor have we ever, had an account with MoneyGram. We do not now, nor have we ever, utilized MoneyGram 's services. 

On XX/XX/24, I contacted MoneyGram US, part of MoneyGram International and MoneyGram Payment Systems ( collectively " MoneyGram '' ), on XX/XX/24. MoneyGram discovered a fraudulent account established with them that was used to facilitate this fraudulent transaction. I requested to file a fraud report, they declined. I requested additional information on the fraudulent account and the fraudulent transaction and was told that absent a subpoena, they would not provide any additional information as they needed to " protect the privacy of the parties involved ''. The information I was requesting is necessary to file a police report and to begin a fraud dispute with my financial institution. 

MoneyGram is clearly more concerned about protecting its relationships with the fraudsters in order to ensure no disruption to its revenue streams and has nil concern for consumer protection. MoneyGram is profiting/benefiting from its relationship with the fraudsters thereby making them complicit in the commission of a crime. MoneyGram, through its poor internal controls and lack of consumer protection, is aiding ( providing support and assistance ) illegal activity, abetting ( encouraging ) illegal activity, and is an accessory ( assists with the commission of a crime ) to illegal activity. 

While this is one instance of this behavior ; I am confident that an examination of MoneyGram 's records would demonstrate a continued and consistent history of similar conduct and would demonstrate a pattern of behavior for which MoneyGram should be held accountable.

MoneyGram is no stranger to committing various financial crimes and has a history of non-compliance; including aiding and abetting wire fraud and failing to maintain an anti-money laundering program. It is obvious that MoneyGram continues its dubious behavior for the benefit of their profit and to the detriment of consumers. Certainly, in this instance, to my detriment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a leak affecting 140ish million americans. A visit to their website regarding if your info was leaked told me it was probable that my info was leaked.
Product: Student loan

I have a negative balance of {$800.00} in my student loan account. XXXX XXXX owes this money to me. It refuses to provide it. Please intervene in order that my funds are properly refunded.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 my phone started to receive text messages stating my login code. I then received a message from XXXX  stating thank you for being a new customer. Soon after I found out that my Coinbase account was being hacked. I find out that the $ XXXX invested was removed and I now owe the company {$5000.00} and I have no balance. 

This was due to a sim-swapping hacker and I can not get Coinbase to inform me of multiple transactions or return my investment. 

Thank you. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife tried to make a payment on my Sears/Citibank NA credit account and because she wasn't listed on the account they placed a " fraud alert '' and the account was frozen. I received a notice of fraud alert in the mail with instructions to call them. I called and tried to resolve the issue, but was told they " could not verify my identity '', due to the fact that i was not calling from the phone number listed on my account. I had excellent payment history for years, and even gotten married and bought a house since the account was first opened. My address was updated on the account and we were receiving monthly statements to my updated address, but I assume my phone number wasn't updated. Once the fraud alert was placed on the account I had stopped receiving monthly statements or any correspondence other than one letter with a phone number to call, upon which calling the number I have been repeatedly told that I am not who I say I am. Sears/Citibank NA then placed late fees on top of late fees, closed the account, and has continued to report my account as " late ''. Before all this started i had a credit rating of mid-to-high 700 's and currently I am in the low 600 's. I was willing to pay what I was responsible for, but without any statements or even a way to dispute any charges I had no way to access any account information.
Product: Debt collection

These are the two parties besides myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Evergreen professional recoveries XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX My wife and I are looking into refinancingourhome becauseof the low rates and I pulled ourcredit just to check on it before applying. I had a collection notice on my credit that I was not aware of. So I sent in a request to see what the collection was for ( Evergreen is the collection company ). I got back medical invoices with descriptions of medical work that had my name on it ( first time I had seen these invoices ). I never gave Evergreen permission to see let alone receive copies of medical invoices/records. If I knew it was medical I would have asked for XXXX to send theinvoices to me directly. I have the letter sent to me ( by Evergreen ) with the invoices that contain my medical info, let me know if you would like to see them. 
I had gone into XXXX in 2018 and it was an ongoing thing ( I was not getting better so I stopped going ), and as I was making the next appointment ( I remember 3 appointments ) I would ask about cost, the front deskpersonwould just say " if you owe anything it will be mailed to you ''. Well I never got a bill, either due to XXXX  or USPS. Never got a call, nothing untilit was on my credit.If I did I would have paid or at the very least set up a payment plan. 
I sent in a complainttoHealth and Human Services Office for Civil Rights Complaint, they said it was not a violation of HIPPA ( is that accurate? ). I also sent in complaints toJoint Commission ( have not heard back ) andWashington State Office of Insurance Commissioner. OIC are working on an audit to see if what XXXX/Evergreen say I owe is what I owe, they have not been helpful, I have had to ask them to reopen the case a few times. 
I don't want this on my credit report, it is the only knock on my credit and it is a big one. 
Thank you for your help and time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I strongly request the removal of this late payment from my account, as it does not reflect my payment history accurately. I have consistently made timely payments, and it is unacceptable to have this erroneous late payment listed. I urge you to update my account promptly.
Product: Debt collection

I called the Apartment complex that it says the debt is owed to they checked their records and said they we owe them nothing that our deposit covered everything so nothing should have been reported to any credit company. Its false and not a debt I owe if there is no knowledge of it from the company owed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries was discovered on my account Credco XXXX XXXX XXXX XXXX USA XX/XX/22
Product: Debt collection

I had a balance of {$130.00} with my primary care physician. I paid this amount through my XXXX account on XX/XX/XXXX and the check was mailed to the address listed in the doctor 's bill. On XX/XX/XXXX I received a bill collector 's notice for this bill. I emailed the collection agency my supporting documentation showing that I paid the bill. The bill collector at the time was XXXX. I received email confirmation from the bill collector that the balance of {$130.00} was satisfied. 

Today, XX/XX/XXXX I received a call from Mrs. XXXX with First Point Resources asking for payment about the same bill. I emailed Mrs. XXXX all of the necessary documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Lexis Nexis on XX/XX/XXXX, XX/XX/XXXX regarding a past toll violation with The XXXX XXXX XXXX that the toll was closed and should not be showing on my credit report or any record. I completed a Deferred Adjudication Program in XXXX for three months, stating that I would have a toll for that time. I did not have one, and the case was closed. Lexis Nexius still has this information under my name ; I came across this information from an XXXX Alert showing that this is coming up on my credit report as pending, which is incorrect. I contacted Lexis Nexis and filed the complaint with the information they needed to close this information and correct it under my name, and they did not do so ; it has remained. I sent them another request, but they never responded or answered their phones by email or phone.
Product: Mortgage

Pennymac refuses to release the insurance claim funds without monitoring. The process they are forcing has cause 1 month of additional damage to my home as I can not get a contractor to start the work on the home without the funds for materials. 

I have expressed the pennymac my difficulties with the online portal, also my financial difficulties with the extent of damage to my home. They will not release the funds, and the funds required to repair my home will far exceed the current estimate due to the delay and the fact that tarps are laying across my home. 

They are the mortgagee but I have to live in this home, mold is starting to form. My insurance says it's my fault, since they have paid. Contractors that have already performed work have not been paid. 

This feels like retaliation for my previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there is an inquiry that is negatively impacting my credit score. The inquiry is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX and its dated XX/XX/20. This was not done by me, and I filed a dispute with this company via Equifax. They came back and said it was valid, but this is far from the truth. I am a victim of identity theft and have not applied for this line of credit. How did they confirm that its valid? What do I need to submit to have this removed? I have attached a picture of my passport for ID purposes, and have attached a screenshot of my most recent utility bill with XXXX for proof of my physical address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I notified Equifax via certified letter, that I was disputing XXXX/XXXX, XXXX XXXX, and XXXX. To date, I have not received anything from Equifax regarding this Dispute. It has been over the 30 days and my dispute has not been validated. This is clearly a violation of the FCRA and FDCPA.
Product: Credit reporting

To the Consumer Financial and Protection Bureau I enrolled to a debt settlement program after my XXXX from the military after the few years of negotiating to a XXXX or more creditors they finally settled some of it some are they violated my rights and end up to a harassing call XXXX of this creditors are the XXXX and ended up happening to settle out of court my debt settlement company agreed not to file a law suit in order to forgive the debt. another debt a XXXX an unsecured debt that already been settled by my settlement company the XXXX. now the issue here is what ever i do to check my credit reporting still showing a negative impact to my credit report now I cant even get approve to purchase a home because of this XXXX credit reporting agency wont fix what is the right credit report. I hope your agency can give me an answer.
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 federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXX/XX/202 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information any other adverse item records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Student loan

XX/XX/XXXX entered into a settlement agreement for this loan in the amount of {$24000.00}. 
Around XX/XX/XXXX {$20000.00} was paid and transferred. 
Around end of XXXX XXXX  was paid via cashiers check leaving a balance of {$2500.00}. 

Beginning of XXXX, I became XXXX XXXX XXXX XXXX  several times. I tried to reason with the company XXXX XXXX at that time that the balance was forthcoming. They did not agree and were quite nasty to me and therefore, sued me via law firm XXXX XXXX XXXX i made a settlement plan and paid monthly until XXXX when I was XXXX again. Between the XXXX -collection and law firm they also captured around {$7000.00} of federal tax returns/refunds from me. 
I have heard nothing from them and the matter has been to my knowledge closed and settled. Now on XX/XX/XXXX I receive a collection notice from TSI -Transworld systems in the amount of {$28000.00}. 
This amount is not correct and this debt has been paid as mentioned above. Furthermore, they have sent the info to a wrong address. As far as I'm concerned the {$28000.00} PLUS that they have received satisfies this debt. If they disagree I want a full account audit of ALL of the funds that I Paid XXXX XXXX, XXXX XXXX XXXX XXXX and the amount they garnished and captured from my tax return refunds! 

This is predatory and outrageous! And why the nearly 10 year gap of communication!
Product: Mortgage

Initially got a loan with Commerce Home Mortgage in XXXX. In XXXX Commerce Home Mortgage approached me with a proposal to resign the contract and change the terms and in return they will pay a one month payment for me. 
I did!! XXXX Commerce Home Mortgage sold my loan to XXXX and told me that there wont be any changes to the terms and payment amount. 

XXXX after they gave me a 3 months deferred option due to pandemic, they raised my payment from {$3400.00} to {$3700.00} when I asked them, XXXX told me that at the time of transferring from Commerce Home Mortgage, my escrow account was negative and I need to talk to Commerce. I have to add that during the 3 months that they deferred my payment I kept paying {$870.00} for my escrow account. I contacted Commerce and they sent me a letter telling me that when Commerce Home Mortgage asked me to resign the loan, they made a mistake and they apologized. Even though they didn't put the reason for the mistake in writing, when I actually talked to the loan officer who initially helped me, he told me that they offered you one month payment free but in fact THEY TOOK THAT PAYMENT OUT OF

YOUR ESCROW ACCOUNT!! Through the original loan officer I got in touch with Commerce regional manager and
explained everything to him and he promised that he is going to fix this problem and get back to me and I have been waiting for him to call me back for almost a year now. 

I don't know how but i XXXX after so many phone calls back and forth without any explanation my payment went down again with less than {$100.00} increase. In XXXX of XXXX, XXXX raised my payment again to {$3700.00} and all over again claims that my escrow account is negative. 
I am a head teller at a bank and my family are helping me to make this payment and might lose my home because I really don't know where to get {$300.00} more and can not afford anymore than what I am paying now. 
I am paying 6 % interest only and it is not enough for them and they want more. 
Please please help me. I have never been late or paid less than my payment. 
Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered violation on XX/XX/2021 under 15 U.S. Code 1681a ( f )
Product: Credit card or prepaid card

I purchased an American Express Pre-paid gift card directly from the American Express website on XX/XX/XXXX. The card indicates on the front it is valid until XX/XX/XXXX. I've had the card in a draw since that time as with the pandemic I have not needed it. I attempted to activate and use the card today and it was denied. I called American Express XXXX XXXX twice and they told me they turned the money over to the Georgia Unclaimed property office. There is no reason they should have done that. I received no notification and the card says right on it that it is still valid until XX/XX/XXXX. The refuse to honor the card balance of {$200.00} and have now hung up on me 3 times.
Product: Mortgage

On XX/XX/XXXX our family was relocated to XXXX for my husband new job. During this period we was already beware a loan modification process of our house in Puerto Rico with XXXX XX/XX/XXXX. On XX/XX/XXXX SPS the organization that XXXX XXXX  use to manage their mortgage accounts finally approved our loan modification. We signed it on XX/XX/XXXX. On XX/XX/XXXX our realtor recommend us the short sale option to sale our house because Puerto Ric 's economy situation was too unstable and this option give us a better opportunity to sale. The agent also told us about a client who was interesting in the property. Immediately we call to SPS to expose our opportunity to sell with a pre-approved loan of our recommended agent 's client. SPS told us that to use this method our loan need to be late on payments. They also told us that they can consider the proposal and that during the proposal examination process ( 90 days ), we do not have to make payments. After that they accept the short sale proposal examination process, but they also delete our loan modification unilaterally, even when this was already done. This first short sale process never finish because SPS was very slow in the entire application review ( almost 4 month ) and our client just denied. After the process with our first client we start over again to make payments as they told us, in XX/XX/XXXX and for a regular quantity, {$1100.00}, without modification plan payment as SPS tell us. In XX/XX/XXXX another client was presented to the SPS with a new proposal. SPS accept the analysis to this new proposal and told us about the new 90 days period, stopping our payments during this period again. After almost four month, during the first week of XX/XX/XXXX, SPS sent a letter rejecting the proposal again without any explanation. They just said that the lender did n't accept the quantity and never told us who is the lender of the mortgage. So until today we did n't know who is the investor of our mortgage and what they expect as a reasonable price for the properties. The quantity submitted in the proposal was the recommendation of the realtor using the sold properties around our community.The same client that is very interesting in the property and have a approved loan increase the quantity of the proposal and the realtor decrease her commission and in XX/XX/XXXX their new proposal was send to SPS again. XXXX  this organization until today XX/XX/XXXX did  n't give us a respond and our client is getting tired to wait again. SPS even when stop our payments during their Short Sale verification processes report " our delay '', to the credit bureau. Please help us!
Product: Vehicle loan or lease

XX/XX/2023 I am writing to request a reinvestigation for inaccurate reporting by Exeter Finance. I traded in the car on XX/XX/2023. When I tried to refinance Exeter Finance informed XXXX XXXX XXXX that I had too much negative equity. This was a sign that Exeter didnt even want the car. So, I found a lot that had bad weather and could get me a deeper discount and I traded the car in. Once Exeter learned of this trade on XX/XX/2023, I was reported late. These people are low down and dirty. Always trying to keep people under their control. I managed to escape, and they are just upset and trying to damage my credit reputation which according to the XXXX  they have done several over XXXX people. 
Please ask that complete payment details to be sent. This information is not accurate.
Product: Credit reporting or other personal consumer reports

I received an email that a hard inquiry for a line of credit that I did not apply for was blocked through Transunion. I tried calling Transunion multiple times to get the inquiry removed from credit report and to contact XXXX. Whenever I called the automated system asked me to enter my DOB, Address, zip code and social. Whenever I was finally connected to a customer service representative, they asked for my social security number again and I said no. I called three times and the first The employee ( if it was really an employee ) sounded like he was sleeping and in his bed. This employee said he could not see the hard inquiry because my credit file is locked. How can you help me if you cant see what Im talking about? The other employee would not allow me to identify myself through other identifiers, and the last employee hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan number XXXX was incorrectly reported as being part of a bankruptcy when this vehicle was a total loss. I was in communication with the total loss department of Volkswagen credit on numerous occasions dealing with this incident. This vehicle was in a severe motor vehicle accident and not part of a bankruptcy
Product: Debt collection

This is to express my extreme frustration and indignation at the persistent and utterly unacceptable inaccuracies in the reporting of my credit history. It has come to my attention that your bureau is erroneously reporting late payments on my account, despite the fact that all payments were made in a timely manner. 
Account Information XXXX XXXX XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am astounded and infuriated by your blatant failure to accurately reflect my credit history. The late payment information reported by your bureau is unequivocally false and damaging to my financial standing. 
Cease the erroneous reporting of late payments on my account. The payments were made on time, and there is no justification for tarnishing my credit history with such inaccuracies. The negligent reporting of late payments on my account is not only damaging to my creditworthiness but also a direct violation of the Fair Credit Reporting Act ( FCRA ). I am appalled at the lack of attention to detail and accuracy demonstrated by your agency.