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

I purchased a Moneygram money order for my mortgage payment on XX/XX/year>. My mailed payment was never received. I contacted bank and they verified it was not cashed. They told me how to request replacement from Moneygram. I made request on XX/XX/year>. I checked back the next week. It said my request needed additional info which would be requested by email or mail. This request never came. I tried several times to contact and ask what info but the company doesnt let consumers speak to company directly. I submitted several online communication submissions and was always sent a case number for my info submission and told I would be contacted. I NEVER was. I sent weekly contact requests on websites contact us forum. Finally I proactively sent in my detailed receipt from my bank. They finally approved my request on XX/XX/year> and the website said they would mail my replacement in 2 business days. They did not. My bank says they can not refund my funds because theyre just an agent for Moneygram . Moneygram will not refund money as they have said and I still have not been able to speak with any representative to find out what is happening. They dont allow consumers to have direct contact. When I attempt to use the chat application- it says I need to contact company for updates. This is an endless loop that keeps consumers from speaking with anyone at the company. Im now 60 days late on my XXXX payment because I cant make up for the missed payment until I am refunded.
Product: Debt collection

Get these perjurous panhandling frauds out of my inboxes. XXXX -- XXXX XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Credit reporting or other personal consumer reports

XXXX IVE SENT IN LETTERS DISPUTING THIS NEGATIVE ACOUNT. I ALSO CALLED AND SENT IN A FTC REPORT TO DISPUTE THIS ACCOUNT. I ALSO HAVE SCREENSHOTS THAT SHOWS THIS NEGATIVE ACCOUNT IS NOT REPORTING 100 PERCENT ACCURATE ANYWAY. ON THE SCREENSHOT THE MONTHLY PAYMENTS ARE NOT THE SAME, THE OPEN DATE ARE NOT THE SAME, THE BALANCE ARE NOT THE SAME, THE DATE LAST ACTIVE ARE NOT THE SAME. EVEN THE LATE PAYMENTS ARE NOT THE SAME. ACCORDING TO THE FCRA ALL ITEMS MUST BE 100 PERECENT ACCURATE AND THIS ITEM IS NOT. PLEASE DELETE { XXXX } ACCOUNT # XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 


XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

THIS ACCOUNT IS NOT MINES AND IS NOT REPORTING ON ANY OTHER CREDIT AGENCY. I DO NOT OWE THIS DEBT TO TO XXXXXXXX XXXX XXXXXXXX. AND I DO NOT HAVE A CONTRACT WITH FAIR COLLECTION WHICH IS A DEBT COLLECTION COMPANY. IVE CALLED AND ASKED FOR ACCOUNT TO BE VERFIED WITH MY WET SIGNATURE ON A CONTRACT AND THEY NEVER SENT IT.PLEASE DELETE
Product: Mortgage

We started receiving letters from DiTech Mortage Company, that they were filing Bankruptcy and would keep us abreast of what was going on. As it turns out, DiTech " WAS NOT '' granted the authority by a Judge to file Bankruptcy, and was forced to SELL their accounts to another Mortage Company named XXXX XXXX. 

I am a 100 % Unemployable XXXX Veteran. I have been in this status since XXXX, and have progressively gotten worse as far as my health goes. Because of that, DiTech ALWAYS HELPED US OUT WHEN WE HAD PROBLEMS WITH OUR MONTHLY PAYMENT. 

We have been in our home over 20 years this Past XXXX. Throughout that time we had problems on occassion with making our monthly payment. DiTech always helped us out, with allowing us to break up the payment into XXXX or XXXX payments so as to stay up with our BALANCE OWED. In XX/XX/XXXX, DiTech returned our XXXX Payment without reason or fore-warning. When we called them, they explained that because of reasons " undisclosable to us '' they were " LIQUIDATING '' all their accounts, and that they had a right to DEMAND THAT ALL THE PAYMENTS THEY ALLOWED US TO SKIP ( because they were going to the end of the note, ACCORDING TO THEM AT THE TIME ), HAVE TO " NOW '' BE CAUGHT UP!! So they are DEMANDING {$15000.00} or they will foreclose on us. And, as they said, SINCE I AM ON A STRICT BUDGET BECAUSE WE LIVE OFF MY XXXX, THEY ARE FORECLOSING ON US BECAUSE THEY ARE ALREADY AWARE THAT I DONT HAVE THAT KIND OF MONEY. 

When I asked to speak with their XXXX XXXX to 'BEG ' them for help, they refused me. They said they " WILL NOT '' ALLOW ME A LOAN MODIFICATION, REFINANCE OR " ANYTHING ''. ALL THEY WILL TELL ME IS THAT THEY " ARE '' GOING FORWARD WITH FORECLOSURE PROCEEDINGS. I RECEIVED A LETTER ( DATED XX/XX/XXXX ) ON XX/XX/XXXX ( DAY AFTER XXXX ) THAT I HAD TILL " THAT DAY '' ( XXXX XXXX ) FROM A LAW OFFICE ( XXXX XXXX ) THAT REPRESENTS THEM AND THEY JUST SAID I HAD TILL THAT DAY ( THE XXXX OF XXXX, ) TO COME UP WITH {$15000.00} or " THEY ARE FILING FOR FORECLOSURE '' on my HOME. 

FILING BANKRUPTCY ISNT AN OPTION ( NOR SHOULD IT BE ) BECAUSE IT'LL take most of my MONTHLY COMPENSATION. According to XXXX XXXX ( XXXX XXXX ) here in XXXX XXXX Texas. 

I receive {$3200.00} and he said I would end up paying about {$3000.00} monthly if I filed Bankruptcy. MY Payoff is {$50000.00}. The House and XXXX acre it sits on is appraised at {$160000.00}. I'll lose everything I have if they are allowed to get away with this. 

PLEASE! PLEASE! I AM BEGGING OF YOU. PLEASE HELP ME!!!!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or httXXXX XXXX XXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00}
Product: Credit reporting or other personal consumer reports

When I was XXXX, my father gave me ability to use credit. My credit score remained very low and has remained low over the years. As a user of Experian for a couple years, I use the method of disputes to try to remove reports that I wasnt linked to. I wasnt understanding why my credit wasnt getting changed over time. I have notifications that alerts me of my credit use and from time to time Ive been seeing notification alerts of my SSN has been traced and/or has been used, multiple address has been linked under my credit file and I have been unable to figure out why. Late XXXX of XXXX, I called my dad, XXXX XXXX, and asked if he was using in an apartment under my SSN and he Claimed he has no understanding and change the subject asking me what was for XXXX. I paid no attention to this. XXXX XXXX I received another notification from stating my SSN number has been used again with ann address linked with the alert. I took a screenshot of the alert. I told my boyfriend and he was giving me information on how to contact XXXX days later. The best thing I knew to do was dispute it off my credit and to call Experian. Before I had the chance to call Experian. I had a visitation with my father. He picked me up at my current address and drive to His apartment. Before I left the next day, I noticed the address on his piece of mail was linked to the alert on my Experian app. Ive noticed other things that wasnt making sense for my credit report such as, one of the first use line of credit on my credit score is a credit card from XXXX XXXX back in XXXX. The account was open right after my birthday, XXXX XXXX. I was age XXXX living with my mother, XXXX XXXX, in XXXX North Carolina. The first credit card Ive ever owned was XXXX XXXX XXXX recommended by him and he helped me open the account.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX  XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit card or prepaid card

Several weeks ago, I knew that my XXXX XXXX membership was going to be due at the end of XXXX. I called them, told them to drop my son off of the policy and send me a paper bill in the mail. The XXXX XXXX lady agreed. At the time, I had planned to pay the updated fee on my latest credit card. To this date, I have never received a XXXX bill. Instead, XXXX XXXX charged an old credit card of mine that I never use, CHASE VISA. I would have never known, as I no longer get statements, but Chase contacted me around a week ago via email, asking if this was a legit charge. I said, NO, it was not fraudulent ( although I question that ), but the XXXX company auto charged it and I wanted it removed. Chase said that they would remove it. Meanwhile, I sent an email to XXXX XXXX member care to handle the issue, and she was sorry, but she couldn't, blah, blah, blah. Both companies have been making me the go between for their laziness and mistakes. My husband works midnights. He gives me full permission to handle all the conflict these two companies have called with repeat phone calls to me, but they insist on me waking him up, asking him a million questions, and then letting him give the phone back to me. I see no resolution in sight without both harassing us to no end. I have XXXX and a XXXX XXXX. My husband works 60 hrs a week, and has health issues, too. My XXXX XXXX membership number is XXXX. I had cut up my Chase cards long ago ( and now both are supposed to be canceled ), so I don't know the full numbers, but my husband 's user name on the account is XXXX and the current email is XXXX for that one. PLEASE make them stop! Chase wants me to pay this charge for a service I do not want to get through XXXX anymore. After both screwed up, we got tow service from our insurance company XXXX. 
CHASE PHONE XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX Thank you! 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX phone XXXX email XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the Equifax data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights Details of the Fraudulent Account : Account Name : XXXX XXXX Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of XXXX business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia, XXXX
Product: Credit reporting

During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that Trans Union Corporation has a IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that had a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
TRANS UNION CORPORATION IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT UNTIL XXXX MY MORTGAGE WITH XXXX.
Product: Credit card

In XXXX I opened the Chase Credit Card XXXX. This card gives me miles when I pay for stuff with the card. 
When I opened the card they promised me to pay for my XXXX fees. I used the card to pay for the XXXX fees and I have not received any refund. The total amount is {$70.00} dollars. I contacted Chase on XX/XX/XXXX and they said that I should get the refund soon. Until today, I have not received anything.
Product: Mortgage

I have a VA loan. The original loan amount is {$56000.00} and I'm behind by {$15000.00}. I found a buyer who signed a sales agreement on XX/XX/XXXX. The closing date has been rescheduled 5 times. The lender refuses to provide a payoff letter so that I can sell the property. 

I had a XXXX XXXX Bankruptcy filed on XX/XX/XXXX and closed on XX/XX/XXXX. It was reopened because there was a balance of {$13000.00} owed to two of my creditors. 

The lender refuses to provide a payoff letter to me personally or the closing attorney that I hired. They are forcing me into foreclosure or another bankruptcy situation. 

There is enough money from the sale {$110000.00} to repay the lender, pay both realtors, and pay my two creditors. I have requested this letter multiple times and they are not willing to work with me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Action on Time-Barred Debt Reporting Dear Consumer, Financial Protection Bureau , I am writing to formally request your assistance regarding an issue I am experiencing with Experian concerning a time-barred debt reported on my credit file. The account in question pertains to a XXXX XXXX business credit card. Unfortunately, the business associated with this account has since closed due to financial difficulties. 

As per Georgia law, the statute of limitations for collecting a business credit card debt is four years. As such, this account is considered time-barred and should no longer be reported on my credit file. I have confirmed that the other two major credit bureaus, XXXX and XXXX, have already removed this account from my reports in compliance with the law. However, Experian continues to report this debt, which is inaccurate and unjust. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), a credit reporting agency may not report any account information that is obsolete, including accounts that are time-barred. I believe that Experian is in violation of this provision by continuing to report this outdated debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a credit report entry dispute related to XXXX Complaint XXXX ( XXXX XXXX XXXX ) to Experian by letter dated XX/XX/2020 stating that the debt collection company failed to provide, and has admitted they can not provide, the legally required " Validation '' information to support their claim. The letter incorporated CFPB example letter text, plus known federal/state law requirement criteria. All communications to and from the debt collection company were included in the information submitted to Experian. 

As of this date, XX/XX/2020, Experian has never replied with a response ( 82 days ).
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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

Ref CFPB complaint No. XXXX Subject : Demand for Deletion of Inaccurate Account Reporting by XXXXXX/XX/XXXX I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) of evidence that demonstrates the inaccuracy of reporting by XXXXXX/XX/XXXX on my consumer report. This evidence not only highlights inconsistencies but also directly conflicts with the information being reported, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Charged off credit card acct no ending XXXX Consumer Report Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX CFPB Report Reference Number : XXXX Disputed Account : XXXX XXXX XX/XX/XXXXXXXX XXXX ) # XXXX Evidence of Inaccurate Reporting : I have obtained documentation and records that prove the reported information regarding the above-mentioned account is inaccurate and does not reflect the true status of the account. Furthermore, conflicting evidence exists that challenges the validity of XXXXXX/XX/XXXX claims and the reporting accuracy. Despite providing this evidence during prior disputes, the inaccuracies have not been corrected. 

Violation of FCRA Guidelines : Under the FCRA, consumer reporting agencies and furnishers of information are required to : Conduct Reasonable Investigations : Failure to properly investigate disputes violates 15 U.S. Code 1681i ( a ), which mandates a thorough and reasonable investigation into consumer disputes.

Ensure Accuracy of Consumer Reports : Reporting inaccurate or unverified information contravenes 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum accuracy of the information. 

Given the evidence provided, the continued reporting of inaccurate information is unlawful and unjustified under FCRA guidelines. 

Demand for Resolution : Based on the clear violations outlined above, I demand the following : Immediate Deletion of the Account : The inaccurate and conflicting reporting by XXXXXX/XX/XXXXregarding this account must be removed entirely from my consumer report. 

Notification of Corrective Action : I request written confirmation once the deletion has been completed and my consumer report has been updated to reflect the correction. 

Request for CFPB Intervention : I urge the CFPB to take immediate action to investigate this matter and enforce compliance with FCRA guidelines. It is imperative that XXXXXX/XX/XXXX and the credit reporting agencies involved are held accountable for their failure to ensure accurate and fair reporting. 

Thank you for your attention to this urgent matter. I trust that the CFPB will address this issue promptly and take the necessary steps to protect my rights as a consumer under federal law. Should you require additional documentation or evidence to assist with your investigation, please do not hesitate to contact me directly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TX XXXX XXXX XXXX XX/XX/XXXX