23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please remove these inquiries from my account I did not authorize them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested my personal information to be updated and nothing has changed and I want this off of my report. 

I want the employer to be removed- XXXXXXXX of the month I want that removed off my report. 

I want XX/XX/XXXX put on my report and remove XXXX XXXX XXXX XXXX id not my name never used that name. I want that removed XX/XX/XXXX I want that removed XXXX XXXX XXXX XXXX TX XXXX non mailable address pls remove XXXX XXXX XXXX XXXX XXXX TX XXXX non mailable address pls remove
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax notified the public that it had been hacked and data from over 143 MILLION accounts had been stolen. This is data that should be protected with the utmost care, and the fact that all of the details stolen can be used to fraudulently impersonate others, this is a severe breach of trust with the public. I fear for my credit score and for all others affected by this. This is unacceptable and there need to be severe consequences!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute threw the CFPB asking XXXX, XXXX, and Equifax to investigate my accounts. According to XXXX XXXX XXXX - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results and are supposed to record the current status of the disputed information which they did not and also did not update the status/date of dispute which is another viloation. These consumer reporting agencies are in violation. Evidence provided below with violations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive Reached out Several times to Transunion and XXXXWith supporting documents Certified Mailand no resultsI Six Bankruptcies showing on Both Credit Reports that are not Mine..everything is inaccurateand I would like for them to stop reporting that on my Credit Report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a disbute letter formally notifing Midland Credit Management ( MCM ) that their attempts to collect on the alleged debt are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. They responded back ignoring the arbitration agreement with XXXX XXXX XXXX XXXXXXXX. 

MCM is unlawfully attempting to collect on a debt despite the presence of a mandatory arbitration clause in the original XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
The arbitration agreement, which governs all disputes related to this account, states : You and we agree that either you or we may, without the others consent, require that controversies or disputes between you and us ( all of which are called Claims ), be submitted to mandatory, binding arbitration. 
Furthermore, the agreement explicitly states that arbitration applies to " any collection of debt related to your Account. 
Despite this clear contractual obligation, Midland Credit Management has : Sent collection notices. 
Reported the alleged debt to credit bureaus. 
Continued collection efforts despite my demand for arbitration. 
This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection ( CFPA ). Specifically Cash App Failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
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 carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 Experian 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 items 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 correct this account : XXXX XXXX
Product: Student loan

XXXX XXXX XXXXXXXX XXXX ( which no longer exists ) has 4 outstanding loan of mine from the University at XXXX and the consistently refuse to lower the payments, work out any type of income-based repayment schedule or defer the loans in any way shape or form. It's almost criminal they way the operate and the only reason they did not sell off these loans was due to the fact that I had my father co-sign on them many years ago.
Product: Debt collection

Thank you for your inquiry. The account in question was placed with PPA XXXX. Validation notification was sent to the address presented with no mail return. 

XXXX XXXX requested a copy of the bill XXXX. The bill was emailed to XXXX XXXX XXXX. 

XXXX XXXX contacted PPA via phone XXXX and indicated he disputed the account in question. PPA placed the account in dispute status and no further collection activity has been made. 

XXXX XXXX contacted PPA via email XXXX with his dispute information and the dispute was filed with XXXX XXXX XXXX on the same day. PPA responded to XXXX XXXX 's email dispute and indicated the account was documented, the dispute was filed with our client, and it could take up to 90 days for our client to respond. 

XXXX XXXX contacted PPA via phone XXXX once again indicating he is disputing the account. 

To date the account in question remains in dispute status. XXXX XXXXXXXX XXXX dispute has been filed with our client, verbatim, PPA has provided all documentation as provided by our client to XXXX XXXX, and currently our client has not responded with a resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I found 4 accounts on my experian and XXXX credit reports that are not mine. And XXXX is correct without these accts. There were also many phone numbers and addresses are not mine. The 4 accts are 2 XXXX  credit accts, 1 student loan issued by launch servicing, the creditor of the loan XXXX financing with the collection XXXX XXXX. I opened disputes with them. I contacted all the creditors of the 4 accounts and get the same information : the holder of the account, may or may not be a real person, I do not know, happen to have the same name with mine, similar address with flipped XXXX XXXX, all other information ( social #, DOB etc ) are different with mine. XXXX XXXX, XXXX removed 2 XXXX  accts, but closed my dispute of the acct launch servicing stated it is correct. I had to call and disputed it again. Same day, Experian removed launch servicing acct. removed 1 XXXX  acct, but on XXXX XXXX closed my dispute of the other XXXX  acct saying it is correct. I again had to call and complain and opened another dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit rep orts, Navient  has re  ported two student loans ( one federal, one private ) as receiving late payments. This is inaccurate.
According to my reports from all   XXXX    credit reporting agencies, I had two   payments 90 days  late in  XX/XX/XXXX . Ac cording to the Navient service rep and my account history, this reporting was caused by the system marking me  90-days la te a s of  XX/XX/XXXX this  date is less than  six w eeks from my leave from   XXXX     XXXX  University , and marking me again as 90 days late on   XX/XX/XXXX this    date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left  XXXX    XXXX   University i n  XX/XX/XXXX  .     These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my Navient history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as la   te years after the fact. I sent a dispute letter to Navient    on   XX/XX/XXXX  .  Navient responde d that they had investigated and confirmed the accuracy of the report.
Product: Debt collection

Spoke to property when I moved out after taking pictures of my apartment, did a walk through with a member of maintenance to ensure when I moved out we were on the same page. After speaking with the property manager she informed me that the pictures they took without me ( i.e. not during our walk through ) would not be provided to me. They took my deposit and applied it towards an unagreed upon amount then forwarded my information to another company to bill me for it. I expressed my displeasure with the amount and the breakdown they reduced the amount to right around {$200.00}. Later on they sent the account to a collection agency who has not been able to provide me with the information I have been requesting nor a date I can expect it after repeated conversations.
Product: Credit card or prepaid card

Back in XX/XX/XXXX, I won a chargeback against a company called XXXX for {$70.00}. After multiple phone calls, XXXX admitted that I won the dispute, but they never issued the corresponding credit to my account. On XX/XX/XXXX I called XXXX again and they indicated they would escalate the case to their disputes department, and I could expect the credit in XXXX days. A month later, the credit had still not been issued. On XX/XX/XXXX I called XXXX once again and was told a follow-up would be created and the credit would be issued in XXXX hours. As the final deadline has passed, I am submitting this complaint.
Product: Checking or savings account

On XX/XX/year> at around XXXX I lost my phone in XXXX at a bar. Once I realize and looked around for it I claimed it gone or stolen and immediately went home to my laptop to try to find it while also calling it which it was being shut on and off for this service not to be possible. I then began the process to erase all of my info on the phone through XXXX. That same morning hours later I went to get a new XXXX at XXXX XXXX XXXX and begin the process of recovering all of my data. Once I was able to get this done, I went to check my email on my laptop to show that there was an email from Wells Fargo stating a denied wire transfer for XXXX on my account and that I needed to come into a bank. I tried to log into my online banking but was denied of this too and told to go into branch. I went in shortly after only to find out that there were many fraudulent transactions that occurred following my phone being lost/ stolen whoever during the early morning hours using my WF debit card on XXXX XXXX and then transferred to an unknown account. The amount totaled {$990000.00} with a {$30.00} transfer fee. WF told me make a claim over this which I did and also I made one with XXXX XXXX or XXXXXXXX XXXX XXXX I also got a police report stating exactly what happened in hopes this would be helpful in my claim. Both WF and XXXX XXXX XXXX have denied my claim or claims at that multiple times saying the same broke record that I authorized the transactions, that I benefited from this, etc. Clearly this is not true. I had XXXXXXXX XXXX and a passcode on my phone. I have no idea how they got in but they did and I have called XXXX so many times with escalations to every department and executive levels only to be told I will get a call back from them regarding it. This hasn't happened once and its been over a month now. I have so many cases numbers that are newly assigned only to go nowhere. I need my XXXX back because I didn't do this nor was any of the transactions flagged by WF at any time which is ridiculous. I have never used XXXX XXXX. Please help me
Product: Debt collection

I have been making monthly payments to them, when I called to set up another payment with  Credit Collections Bureau,   XXXX  said I have legal paperwork for this but then took my payment. I have had a different situation with this company where they tried to sue me for someone else 's debt and we were going to court on this and they dismissed it. I have not been notified of such lawsuit against me as well as the first initial letter they sent me to give me my 30 days to validate the debt had they would take legal action on me as well, again another FDCPA violation.
Product: Money transfer, virtual currency, or money service

Customer Service Department MoneyGram International Subject : Technical Complaint Access to my Account Dear Sirs and Madams, I would like to submit a formal complaint due to a technical issue with my MoneyGram account. For several days now, I have been trying to access my account without success as my password is not working. 

When I try to reset my password using the recovery option, I am not receiving the security code on my registered email, which is preventing me from completing the access recovery process. This situation is causing me inconvenience as I need to access my account urgently. 

I kindly request your prompt intervention to resolve this issue and allow me to regain access to my account. Attached to this letter is the relevant information to verify my identity : Full name : XXXX XXXX XXXX XXXX Email associated with the account : XXXX Registered phone number : XXXX - XXXX - XXXX I appreciate your prompt response and solution to this problem. I remain attentive to any additional instructions you may require from me. 

Sincerely, XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - De : XXXX XXXX Date : XXXX, XXXX XXXX 2025 a XXXX XXXX Subject : MGO - Technical issues [ ref :! XXXX.! XXXX : ref ] To : XXXX XXXX Dear Customer, Thank you for contacting MoneyGram. We appreciate the opportunity to address any questions or concerns you may have.

We would like to inform you that we have completed our investigation regarding your comments. While we strive to provide our customers with the highest degree of service, there are times when a problem may arise, and we regret that you may have been inconvenienced.

Please note, our business is subject to a wide range of laws and regulations globally, including various privacy, data protection and compliance rules and regulations. Because of this, MoneyGram conducts periodic reviews of customers activities. We have reviewed the matter, and you are currently restricted from utilizing our services.

In order to protect the safety of our customers, and to meet our compliance requirements, MoneyGram actively reviews transactions and profiles, from time to time and put restrictions in place to safeguard our consumers. If MoneyGram does not feel comfortable with a send activity or with the purpose of a transaction, the service could decline.

Due to security reasons, we must close your profile / account and unable to reopen it or provide detailed information on our verification process. We acknowledge this is not the outcome you may have requested ; however, this decision has made after careful consideration, and we apologize for any inconvenience this may cause you. We do advise you to use a different service to send money in the future.

If you have any further questions or concerns, please refer to our website www.moneygram.com, especially to FAQ section. Please clicking on SUPPORT > FAQ. If you will not be able to find solution for your problem, please contact us directly by our web form by clicking on SUPPORT > CONTACT.

Sincerely,XX/XX/XXXXSupport Specialist MoneyGram International. 

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

Account # : XXXX Account name : XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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

Alliance One shows on XXXX. I sent in proof to other credit reporting companies as well and the debt was removed from all but XXXX. The debt was not mine. I have lived at this address for XXXX years. The account is supposedly XXXX XXXX, which I 've learned is a gas company out of west Virginia. I have not lived in Wv nor have I had any utility services for somewhere I did not live. The next is XXXX XXXX for XXXX XXXX. XXXX  and XXXX as well as XXXX XXXX removed the account from my reports. It is still showing on XXXX. XXXX XXXX did not respond.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, XXXX  and Equifax to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX XXXX and Equifax still refuse to update the information. XXXX XXXX and Equifax has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX XXXX and Equifax infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( Equifax, XXXX, and XXXX XXXX ).  As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX, XXXX  and Equifax is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Product: Credit reporting, credit repair services, 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 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX i requested my Core Logic credit report and they denied me on XXXX by mail. I will attach the information to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing an account in collections that has been paid. It is XXXX XXXX XXXX XXXX. I have disputed this but they have kept it on my report. I tried uploading the receipt showing it was paid but I am getting an error so I am uploading it here so they can see it.
Product: Payday loan, title loan, or personal loan

I purchased a refrigerator from XXXX XXXX on XX/XX/2022 and was offered what I thought was a line of credit or payment plan for the total close to {$1500.00}. I set everything up to make reasonable, semi-monthly payments. 

On XX/XX/2022 I received a transaction receipt that showed my remaining balance to be over {$4000.00}! When I logged into my American First account it showed NO copy of the original agreement. I have tirelessly combed through my emails as well. 

Upon further investigation, it seems this is a COMMON predatory lending practice with this company. I am disgusted. 

I attempted emailing, calling and using the chat now feature on the website on XX/XX/2022. Moments later the website showed a message that is was down for scheduled maintenance.