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

I bought a MoneyGram money order for {$400.00} on XXXX to pay a credit card bill. I sent this to XXXX XXXX XXXX in their pre-printed envelope. However, after several weeks, XXXX XXXX claimed they did not receive it. ( I think they did but someone within their payment processing center stole it ). 

So I contacted MoneyGram for a cancellation of the original and a replacement. I agree to pay them {$18.00} for this service. At that time, they also asked to whom I had written out the money order to. I let them know it was XXXX XXXX. So they knew the payee. They also knew that I was the payer. On XX/XX/2019 they sent me an email telling me my case number was XXXX. On XX/XX/2019 they sent me another email telling me the money order remained uncashed. Then on XX/XX/2019 they sent another email telling me the money order was cashed and they would not send a replacement. 

The money order had been altered ( they sent me a copy of the cashed money order ). The original information had been " whited out '' and the money order was rewritten to a different payee and from a different payer. Also, on the very bottom, one can see numbers under the signature that whoever the fraudster was didn't even bother to white out. Those are the four numbers I wrote there which are the last four numbers of my credit card I put there for identification. Looking at the money order it is obvious information had been changed. ( Note : this is hard to see on the scan of the copy of the money order I have attached, but it is obvious on the copy MoneyGram sent me. ) So MoneyGram did not send a replacement money order or cancel the original after I requested such -- and agree to pay {$18.00} for -- even though they said they would as the original had not be cashed at that time. And by the time the original was cashed, they KNEW it was fraudulent because it had both a different payee and payer than they KNEW it should be. 

So instead of my credit card company receiving this payment, the fraudster received it. So I am out {$400.00}. 

I did everything right. MoneyGram did everything wrong. They should have sent the replacement as I asked them too. They should not have cashed the original money order knowing both the payee 's name and the payer 's name on the money order had been altered. And they knew that because they asked and I told them who the original was written out to -- XXXX XXXX -- and that I -- XXXX XXXX -- was the payer. And they knew that I was asking for a replacement because the intended recipient had not received the original I sent them ( or claimed they had not anyway ). And at that time the money order had not been cashed -- MoneyGram told me that. Yet, MoneyGram then accepted that altered money order knowing both the payee and the payer on the money order had been changed. 

Note it is impossible to contact Moneygram by telephone and talk to an actual person. I have tried. I go through multiple menus and end up nowhere. My contacts with them have been by email.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : XXXX  - XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year>, {$1900.00} deposited into checking account. Verified with my savings company, the funds were distributed to Chase who had the funds " on hold ''. Multiple phone calls and in-person visits to Chase only to be told their organization can hold a customers check for up to 2 years or until the check is verified. Chase closed the checking account and stated they did not have to provide a detailed reason why they are not releasing the funds. Chase stated the phone number for my savings company did not match the number in their system. After the local manager verified my identity, and spoke with my savings company and obtained the contact info, Chase customer service still refused to provide any information or release the funds. Therefore, I have waited 2 years, still reside at the same residence, but no communication or return of the funds to me or my savings company. Every time I call chase they tell me they can not provide me with any information even when I request to speak with a supervisor. Chase stated the check was fraudulent, however, verified again with my savings company that serves the employees working for The State of California, was fraud. Verified with my XXXX XXXX who stated they are the State of California and have used the same company for XXXX and have never had any problems. Once again, 3 years have past and no check nor an explanation for not giving me the check back or releasing the funds.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ACCOUNTS and INQUIRIES Letters As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my
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 USC 1681 XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXXXXXX. 

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 an account without my written instructions.

15 U.S.C 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 convictions of crime which antedate 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Ive been the victim of identity theft. This is mostly XXXX and XXXX fault for leaking my information. 
There is 3 different names on my credit profile. I have filed a FTC Identity theft report and also filed one with the Department of Defense, And XXXX. 
Ive followed this correctly to a T and filed everything correct yet XXXX, XXXX, And Especially transunion refuse to remove all these accounts with the name XXXX XXXX, and XXXX XXXX. I have submitted my Military ID, Social security card, Passport and more and the info is still not removed. 
If this process allows me to attach the FTC complaint and other docs ill attach them here.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following account be blocked and deleted from my credit report, in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to Be Blocked and Deleted : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The IRS considers a charge off to be income, Eather as gross or ordinary income and doesn't belong on my credit report .so this is this information on my credit report isn't accurate! By IRS rules any canceled debt or charge off is classified as income reporting this as debt is also incorrect. according to 15 USC 1681 S-2 Applied bank. account number XXXX is reporting in all XXXX credit bureaus XXXX XXXX bank ss account number XXXX and XXXX  account number XXXX all report inaccurate information on my credit report. And request remove from all my credit reports asap
Product: Credit card

For some reason, after I do not know how many years, I need a phone to pay my bill online. 
This is discrimination also. 


Like your application, it requires a phone number to use a computer, why? 
Same problem I have with Social Security. 
I have to arrange a ride 20 miles west, take a day off work and wait my turn at the office because I don't have a phone. this is discrimination also. 
I can't access my XXXX  account for the same reason. 
I can't even track a package IF I AM LOGGED IN with XXXX. they ask for a phone to verify me on the only computer my account has seen since they verified me via email. This is discrimination also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX put an incorrect address in my XXXX report. My address is XXXX XXXX XXXX XXXX NY XXXX. XXXX put an additional entry that says XXXX XXXX XXXX XXXX XXXX NY. This is an error that a rep put in. The address in XXXX XXXX does not exist. XXXX won't correct and I asked XXXX to put a notation in my file which they did not do. XXXX claims they verified the XXXX XXXX address. I never submitted or showed a document that I lived at XXXX XXXX XXXX XXXX XXXX. Since no document exists XXXX ins in violation of the Patriot Act and I would like to file a complaint.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and/or incomplete information being reported on my credit file regarding the following accounts : 1. JPMCB Card XXXX XXXX XXXX Upon reviewing my credit report from XXXX, I have identified erroneous and/or unverifiable information associated with these accounts. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including, but not limited to, 15 U.S.C. 1681o for negligent noncompliance.

The issues I am disputing are as follows : JPMCB Card : The account was closed and settled but is still being reported incorrectly. 
XXXX  XXXX : This account contains incorrect late payments. 


Under the FCRA, I request that you : 1. Conduct a thorough investigation of these accounts.

2. Provide me with documentation supporting the validity of the information being reported, including contracts or agreements bearing my signature ( if applicable ).

3. Correct or remove any unverifiable, inaccurate, or outdated information from my credit report.

If you can not verify the accuracy of the accounts, I request their immediate removal from all reporting bureaus.

Thank you for your prompt attention to this matter. 

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

my information was part of several data brech 's from XXXX XXXXXXXX XXXX in the year of XXXX XXXX XXXX also my information appeared in XXXX 's data brech in XXXX. 
and XXXX on XX/XX/XXXX, XXXX my social security number was exposed my information also appears on the dark web my person information, social security number and addresses via experian credit monitoring services copies attached due to t these brech 's money was aslo stolen from my bank account in the year of XXXX i filed an identity theft report with experian XXXX and XXXX this information hasn't been removed or resolved this my second attempt at removing this information with no resolution
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX  XXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name XXXX XXXX Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account Name : XXXX Account number : XXXX 1. High Balance Discrepancy : o XXXX reports a high balance of {$6100.00}. 
o Experian reports a high balance of {$6100.00}. 
o XXXX reports a high balance of {$5900.00}. 
2. Last Verified Date : o XXXX : XX/XX/XXXX. 
o Experian : Not reported. 
o XXXX : Not reported. 
3. Date of Last Activity : o XXXX : XX/XX/XXXX. 
o Experian : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
4. Date Reported : o XXXX : XX/XX/XXXX. 
o Experian : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
5. Account Description : o XXXX : Profit and loss write-off. 
o Experian : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Amount in high credit original charge-off amount. 
6. Payment Status Discrepancies : o XXXX : Charged off as bad debt. 
o Experian : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Charged off account. 
7. Days Late - 7 Year History : o XXXX : No late payments reported. 
o Experian : 60 days late once, 90 days late once. 
o XXXX : 60 days late once, 90 days late XXXX times. 


Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from XXXX, Experian, and XXXX highlighting the inaccuracies. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX
Product: Debt collection

I opened up an account with synchrony Bank for XXXX XXXX to purchase furniture. I was making all of the payments on time and actually paying over and they closed the account. No warning no information sent just close the account now theres a collection agency calling that wont provide any information called XXXX XXXX
Product: Student loan

I used Equitable Acceptance Corporation to consolidate my federal student loans and apply for income-driven repayment. The company misled me into making monthly payments directly to them, saying the payments were going towards my student loans. Additionally, this " loan '' from Equitable Acceptance Corp. is being listed on my credit reports as a Credit Card. There services are false, misleading and a scam.
Product: Debt collection

To whom it may concern, On XXXX XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX  ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXX XXXX  to pay off the balance however, on XXXX the check was deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) to a Misc Deposits account, despite I have never had an account with Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ). 

After opening XXXX disputes with XXXX XXXX XXXX XXXX  ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX  but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). 

To resolve this matter, I am requesting Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. 

Thank you for your assistance in advance!
Product: Vehicle loan or lease

I am writing to formally file a complaint regarding the handling of my auto loan account and the late payment reported on my credit report. Below are the details of my concerns : Lack of Notice or Communication : I purchased a vehicle through XXXX, and it was only later that I learned Chase was acting as the lender for my auto loan. Throughout the course of this loan, I did not receive any statements, notifications, or phone calls from Chase regarding my payments. As a result, I was not informed of my payment due dates, which led to a late payment being reported. This failure to communicate with me is a violation of my rights, as I was not properly notified of my obligations. 

Failure to Notify of Late Payment : Despite my account being overdue, Chase never contacted me prior to the 30-day mark to alert me of the late payment. The first contact I received was after the 30-day period, when the late payment was already reported to the credit bureaus. This failure to provide timely notice is inconsistent with the requirements under the Truth in Lending Act ( TILA ) and Regulation Z, which mandate clear communication regarding payment obligations. 

Unauthorized Contract : I was never provided with or asked to sign any loan agreement or contract directly with Chase. I have not been made aware of the loan terms or my financial obligations, raising significant concerns about the legitimacy of the agreement and whether I have been properly informed of the loan terms.
Product: Debt collection

XXXX XXXX XXXX XXXX shared my personal information with a third party without my written or verbal consent. They are in violation of HIPPA law. The debt collector is disclosing incorrect information.
Product: Debt collection

LAW OFFICES MBA - XXXX XXXX is trying to collect a debt that has been written off in a XXXXXXXX XXXX XXXXXXXX bankruptcy. 

The bankruptcy was XXXX on XX/XX/2022. I have disputed the 9 collection accounts they have created, they have removed XXXX and have refused to remove the other. They have been sent copies of the XXXX bankruptcy. 

I have mailed them copies, and I have requested more information. I have not received any reply. 

I have disputed this on my credit report three times, with copies of the bankruptcy. 

This needs to end. I have the right to a FAIR and ACCURATE credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

.XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - Partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be last on an account that has a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX  account # XXXX has violated my rights In accordance with the fair credit reporting act XXXXXXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to my 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

On XX/XX/, Two XXXX transactions of {$1100.00}, Ref. # XXXX and {$1000.00} Ref # XXXX. Agent sent transactions to wrong vendor. Cash money transfers were supposed to go XXXX XXXX XXXX instead the transactions went to Credit Acceptance. I have contacted Customer Service at XXXX repeatedly by phone and email. I have contacted Credit Acceptances Customer Service. Transactions were made for a car payment. Since XXXX did not receive payment my vehicle has been repossessed. I have requested a refund from XXXX. I have contacted Credit Acceptance no Resolution. I am requesting my refund.
Product: Debt collection

AWA Collections bought the debt and illegally reported inaccurate information on my credit report damaging it. This collection should not be on my report at all, it does not belong to me but belongs to an XXXX.
Product: Credit card

I signed up for secured credit card with initial deposit of XXXX XXXX and XXXX XXXX and had to move to new address before I receive the card. Now the CapitalOne team is asking for written address for change of address and dispatch to new address which would take atleast a month to arrive in form of utility bill etc. When I requested for cancellation of application and refund of deposit, I was told that check would be mailed to address on file ( which would be old address and no longer valid ) after XXXX billing cycles. When I requested for refund by ACH transfer, I was put on hold and disconnected after waiting for 50 minutes. When I called again, I was informed that my account has been closed and check would be mailed to old address