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

XX/XX/XXXX {$38.00} became 30 days over due Payment was received XX/XX/XXXX of {$170.00} ... but it was {$38.00} under paid. ( for some reason I under paid ... can not recall why ... honest mistake ). 

This has been a mark on my payment history ever since. 

There were no other late payments in payment history. 

In addition, XX/XX/XXXX USBank closed my account because I had not been using it. ANOTHER ding to my account when an account is closed. I did not ask them to close it. They decided on their own. 

Could you please help me at least remove this ding for {$38.00} dollars? My credit report score is actually suffering because of it. 

Thank you, XXXX XXXX XXXX XXXX The old account number ended in XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and realized everything was reported incorrectly on equifax. Account were showing up close or chup but at the same time change to current/open. A dispute letter was submitted asking to verify account but at this time no updates was sent.
Product: Credit reporting

I disputed some entries on my credit report with Equifax on XXXX/XXXX/2017 and again on XXXX/XXXX/2017. So far no response from Equifax regarding my dispute and do n't know how to make them fix my issue or respond with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct the items right away. 

XXXX XXXX Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I started a couple of transactions at the Money Gram website, both were for the amount of {$2900.00}. ( XXXX XXXX XXXX XXXX XXXX XXXX and XXXX/100 's dollars ) Authorization No. XXXX and Authorization No. XXXX. 

the money was deducted from my XXXX XXXX checking account, on XX/XX/2021. 

XXXX XXXX Reference : MoneyGram WEB PMTS XXXX XXXX XXXX XXXX MoneyGram WEB PMTS XXXX XXXX XXXX XXXX On XX/XX/2021 I canceled both transactions trough the Money gram website. I didn't get any email confirmation for my cancellations but that has happened before, so I was not worried about that at the moment, and on my Money gram account both transactions appeared as cancelled. 

On XX/XX/2021 a credit for XXXX was posted on my XXXX XXXX checking account XXXX XXXX XXXX MoneyGram WEB PMTS XXXX XXXX XXXX XXXX I contacted Money Gram service via chat a few days later to ask about the other reimbursement and was told that I needed to way up to 10 business days to get my money back, which is understandable and I was OK with that.

After 10 business days I contact them again, and get the same response. 

then contact them again and they tell me that the refund was made on XX/XX/2021, that if the money was not showing on my account, I should contact my bank, and they could do nothing else. I asked for a reference number on their transaction back to the bank, but all they keep saying is that they don't have any additional information. 

Knowing that the bank could not resolve this, I initiated a claim with the bank, and the obvious result was the it was denied, since they never received the money from Money Gram back into my account.

Please help me get my money back from Money Gram. 

All they keep saying is that they already deposited my money into my account, that it is the bank 's responsibility.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate hard inquiries listed on my credit report, which I believe violate the provisions of the U.S. Code 15, Section XXXX, and other relevant laws pertaining to consumer credit reporting. 

On XX/XX/XXXX, I sent a letter to TransUnion disputing the accuracy of nine hard inquiries listed on my credit report. These inquiries are dated between XX/XX/XXXX and XX/XX/XXXX. Despite providing valid identification and a copy of my credit report clearly highlighting the inaccuracies, TransUnion has failed to respond satisfactorily to my dispute. 

According to the U.S. Code 15, Section 1681, consumer reporting agencies such as TransUnion are required to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, they are obligated to investigate any disputes filed by consumers regarding the accuracy of the information and to correct any inaccuracies promptly. 

I have attached a copy of my valid identification, which includes my current address, along with a copy of my credit report highlighting the disputed hard inquiries. Despite providing this documentation, TransUnion has failed to take appropriate action to remove the inaccurate information from my credit report. 

As per the provisions of the U.S. Code 15, Section 1681, and other relevant laws, I demand that TransUnion conduct a thorough investigation into the disputed hard inquiries and delete them from my credit report within 30 days. Failure to do so will leave me with no choice but to pursue legal action against TransUnion for violating federal law. 

Additionally, I am requesting compensation of {$1000.00} for each inaccurate hard inquiry listed on my credit report, as permitted under the law, should TransUnion fail to rectify this matter within the stipulated timeframe. 

I trust that the Consumer Financial Protection Bureau will investigate this matter promptly and take appropriate action to ensure that TransUnion complies with its legal obligations regarding the accuracy of consumer credit reports. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Was assured that XXXX XXXX resolved issue but 2 accounts still show XXXX balance. Its the same account balance listed as 2 tradelines and neither should have a balance.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I have filed a complaint in XX/XX/2019 on Equifax for them to investigate accounts that did not belong to me and I have not received anything on this matter. This preventing my chances of purchasing anything and I want it taken care of immediately
Product: Debt collection

I have gone online to pay a parking ticket which was the amount of {$160.00}, paid with credit card on  XXXX   XXXX ,  2017 . Payment went through and since I was unable to print the confirmation page I have taken screenshots of the confirmation page and the printer friendly version of the page for documentation.   XXXX  Today is  XXXX   XXXX ,  2017 . I have received a notification from  Transworld Systems Inc. stating that the unpaid amount of {$160.00} have been carried over to their Debt Collection department. I have called Transworld Systems, but was left with me badly recorded machine that was incomprehensible or at leas t seem to not have given me the option to call for a complaint. On the back of the letter provided a website for transworld payments and website for  FTC ( Federal Trade Commission )  in which I had looked up for it 's contact information and called Headquarters. There a machine came on and guided me to call another number to resolve this issue and was lead here to write this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my Experian Credit report and noticed that their were unauthorized Inquiries being reported. I wrote to Experian via certified mail on XX/XX/XXXX and requested that they investigate these unauthorized inquiries. 

Experian received this dispute on XX/XX/XXXX. They did not respond. 

I wrote to them a second time via certified mail, with my letter dated XX/XX/XXXX. They received this letter on XX/XX/XXXX. 

As of to this date, XX/XX/XXXX, I have yet to hear anything from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions i have contacted XXXX about that i am paying for their service and am unable to view my credit Score on the app or on line and each time i call I have been on the phone for well over an hour ( closer to 2 hours ) wich has not ended in a resalution any of the times .The only responce i recieve is that they will escalate my claim and in 6 to 7 days i will hear from a member of that team, well going on a month now and no responce, and it seems weather im calling about the inability to use the app that im paying for i get really disgruntled, so much so a woman by the name of XXXX told me that she was as large of a supervisor that their was and there lwasnt any one higher than her not believing but with no other recourse i concided When I filed the FTC police report i never recieved notification of them recieving it ( nor did the other 2 bureau ) I had to call to and ask to find out if it had been recieved.and to futher aggrivate with XXXX and the other 2 bureau ( XXXX and transunion ) all 3 refused to honor the FCRA rights i am granted by the FCRA where 605 ( b ) states upon reciept of the police report the credit reporting agency SHALL block the files in question until the investigation is complete I have repeditivly asked and been told NOeven after expressing to them that i wouold file a complaint with the FTC and the CFPB and were told verbattem '' so what '' It is in my opinion that someone at XXXX is intentionally causing negitives to happen the same files from the same companies have been being disputed at the same time and XXXX is the only bureau to move my score down by nearly 100 pts in a day, with only so much as a comment being changed on my report i would understand if new collections were being added or delinquint accounts but there is notg the only thing at all that changes is a discription or words no removal or addition to accounts, and i have been hung uop on when asking about this or to speak to managment about it the amount of damage this does when attempting to aquire new personal or business credit is insane it constantly has me adding new inquires to my account for nothing how can they just get away with this.I am incloseing pictues othe fluctuation of their score singly and in refrance to the other bureaus and the entire time all of the bureaus have been working on all of the exact safe files .but they are the only bureau to do this to me, along with a screenshot of the app where i have not been able to view my credit score for almost a month but i pay for it ******picture of fico scores just know my XXXX score was XXXX the day XXXX and no more negitive accounts were added
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
These are fraud inquiries please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from CCB/XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CCB/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and CCB/XXXX with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Product: Mortgage

Once again, Ocwen Loan has changed its rates for collecting fees and monthly mortgage payments, now raising the fee to {$7.00} for paying online directly from my bank account. 
This fee was imposed when they transferred my mortgage to another of their companies within their possession. 
They change over also disrupted all of my payments, records and more so that I no longer have addresses, online contacts and much more. 

In order to sign up for their 'new ' loan collection, I must submit my social security # and much more to a service in XXXX . 

Their practices are insuring that I will be late with payments, and have to pay service charges, late fees and additional interest. 
I can not get any information form them directly and am blocked from my previous account information and history. 

This continues to be a constant issue with OCWEN - now XXXX - now XXXX. 
( Honestly, would you give your SS # to XXXX? ) Impossible to find a contact to help through their myriad of sites, although 'help ' symbols are there, as noted in screenshots below. 





" The servicing of this mortgage account has been transferred to XXXX XXXX  XXXX, now an affiliate of Ocwen. 

The account number will change to # #. The relationship manager may change and will reach out within 30 days of the account transfer. If you are enrolled in Paperless Statements, your paperless settings will not change. For details and instructions about how to login at XXXX XX/XX/2019, please refer to the Notice of Service Transfer letter or call XXXX. ''
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

Have made payments for a year now and my balance keeps going higher instead of lower
Product: Credit reporting or other personal consumer reports

Car loan account which was paid in full and closed is still reporting inaccurately as included in XXXX XXXX bankruptcy, I have submitted the paid-off letter to the credit bureaus which came back as verified.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CBE group has constantly harassed me about a debt claim owed by XXXX. I told them and XXXX  i don't owe this. I told them Verbally in writing and told XXXX  directly to stop all communication. I disputed this with all 3 credit bureaus as well. CBE Group uses XXXX  area phone numbers in hoping i will answer. I have blocked 20 different numbers they have called from. The number doesn't identify them as a debt collector or their name. I have received on days 6 calls even after i repeatedly informed them to stop. They just call from different numbers, even Identifying as XXXX, i questioned the rep that but said she didn't know.I They won't tell me why they are calling. I know why, they tell me they can't unless i give address and social security number. I was a victim of identity theft so i won't give my social. Explained to them, they still asked immediatley after
Product: Debt collection

Portfolio Recovery Services have been calling me using automated dial services. They show on my caller ID as " Portfoliorecov ''. When I answer there is no human on the other end of the call. The calls are from a prerecorded line. They never leave a voice message as to what the call is regarding. When I attempt to call the numbers back, it just rings and rings with no answer or goes to an automated service.
Product: Payday loan, title loan, or personal loan

I spent 2 days submitting info to Prosper.com. They have it so you can sign in through email or password. So i get an email saying my loan had been denied and to log into prosper to find out why. Prosper closed my account BECAUSE the loan was denied and therefore gave no access to find out why. When i called they said that it was something about income verification and that the form i provided didn't meet their requirement. They literally told me to log into an account that they had closed. Didn't even try to get the proper verification for my financials. So they denied my loan over something that could have been rectified, closed my account so i couldn't fix this issue, then told me to check my prosper mailbox to find out why it was rejected AFTER THEY CLOSED MY ACCOUNT. Spent two days and many hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a letter to the the Three major credit bureaus ( XXXX, Equifax and XXXX ) on XX/XX/2022 containing United States Law. These U.S codes contain and states information containing the proper use and rights of a consumers credit. The Credit bureaus didnt act and respond to the letter. As well, I was a victim of Fraud due to an violent assault resulting in my SSN card being lost. Ive sent my FTC report to the bureaus, to suppress the damages again resulting in no action.

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. XXXXXXXX, XXXX and 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.