23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

I went to CVS to send money via MoneyGram Payments Systems , Inc. on XXXX XXXX, 2015. I paid {$300.00} cash, of which {$9.00} was transaction fee, reference # XXXX. The money was intended for my mother, XXXX XXXX, in XXXX. When she went XXXX XXXX to the designated bank in XXXX, they informed her that the money was never transmitted. She tried again on XXXX XXXX with the same result. That same day, XXXX XXXX, I contacted MoneyGram about the problem. They told me that my name was incorrect, even though my receipt shows my name accurately. Then they transferred me from XXXX person to the next. I spoke with XXXX people that day. The names I have are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX did not provide a name ). The call lasted over XXXX hours. The last person, XXXX, opened a case, provided case # XXXX. She said she would give me a call after they investigate. They also said that " someone '' had requested a refund, but refused to explain what they meant, who it was, when it was, or any detail. At this point I was highly suspecting FRAUD. 

After 5 days, I had not received any call, so I called MoneyGram again on XXXX XXXX and spoke with several people, once again being transferred repeatedly. They ended out telling me that I would have to wait up to 3 weeks for resolution. They still have never called, not once. When I called again various dates they were unable to provide any information. They said they would assign a single agent to investigate, but they did not provide a name or contact or any confirmation. Later, they increased the time for resolution to 90 days! During my calls with MoneyGram, customer service was downright terrible and unprofessional. Repeatedly being transferred to persons that could not help, and long hold times was very frustrating. The last agent, XXXX, to whom I spoke with would not transfer me to the escalation department even though I had a case number. Instead I had to re-explain my whole situation again. Then I was transferred to a supervisor named XXXX, who did not offer any kind of apology, provided the same canned responses, and then suddenly hung up on me when I said I was not satisfied.
Product: Credit card or prepaid card

Pay pal  refund me and as soon as i closed the case they took the credit back
Product: Checking or savings account

On XX/XX/2023 at approximately XXXX p.m I deposited a check for {$7000.00} at the Wells Fargo ATM located at XXXX XXXX XXXX XXXX, XXXX AL. Today 's date, XX/XX/2023 at approximately XXXX p.m I entered the Wells Fargo located at XXXX XXXX XXXX, XXXX AL XXXX and spoke with a female clerk at the desk claiming to be a member of management about getting an advancement in funds from the Check that I deposited the night before to pay a bill. First she said that she could. Then she stated that she didn't even see where I made a deposit. I informed her that that was not true because I had the receipt saying that the funds would be fully available on XX/XX/2023. She replied with an attitude that she saw it and that the funds would be available on XX/XX/2023, then gave me a nasty look and mumbled something underneath her breath. This is the same bank we had problems with last year. These people, espeacially the manager, have nasty attitudes and are very prejudice. 

When she verified that the check would clear on tomorrow 's date, XX/XX/2023, I wrote two checks totalling {$1300.00} for bills. Now at XXXX while checking my account, I find that a hold has been placed on the check until XX/XX/2023 which is causing me hardship. I have never had a returned check but I guess it will be a returned check now thanks to this lie that Wells Fargo purposely and fruadulantly placed to harm me. If the two checks that I have written to XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX are returned due to the misleading, unprofessional, fraudulent, and ill-breded attitude that this XXXX  manager at the Wells Fargo branch this complaint is filed against, I will pursue legal advice. She told me out of her own mouth that it would clear and I did have a witness with me. Why do we as customers have to continue to endure such unprofessionalism and discrimination from these people that we are trusting our money and livelihood with when they continue to betray us with their deceitful ways.
Product: Credit reporting or other personal consumer reports

At Trans Union i have a good standard in my credit, in XXXX i have a XXXX score trans union shows me at XXXX, i had paid my car off, i have no late payments on my car because it was payed they offered me a payoff we did i gave them what they offered and there wasnt going to be any problems with my credit, i stand a very low score in my trans union when my other credits are much higher, i had a score of XXXX, why is my score so low with trans union when the other creditors have me much higher, XXXX XXXX XXXX told me were my payment was made i wouldnt have a problem but my score is very low in trans union.
Product: Debt collection

On XXXX XXXX I mailed Wakefield and Associates debt validation letter for a debt that does not belong to me but they continue to report this fraudulent debt to the credit bureau. Wakefield has failed to respond in the 30 day debt validation time frame and there for by law should stop collection and must remove this debt for failure to validate. I have no contract with my signature agreeing to pay this company any amounts of monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit 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 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

On XX/XX/18 a dispute was sent to company regarding XXXX XXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent credit bureau FTC identity theft report and they still refuse to remove/delete inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX  XXXX  Date Opened : XX/XX/XXXX Amount : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.
Product: Credit card or prepaid card

Due date of XXXX XXXX and XXXX XXXX, XXXX XXXXWells Fargo Card Payment was sent to address pre-printed on statement. Payment was never credited. 

Received a {$25.00} penality of a {$22.00} purchase. 

Next payment was sent to address pre-printed on statement 7 days before due date. Payment was credited 14 days after date sent. 

Received statement stating that payment was late. Charged an addtional {$36.00}. 

Contacted business by phone and asked for explanation. Was told that payment had been mailed to wrong address. We pointed out that the pre-printed address/envelope was used. Also that back of statements stated same address. Was told that the billing address had been changed in XXXX. 

Replied that our billing statement still showed the old address at the place to which payment was to be made. After much discussion, agent said that we would be credited with the late penalty charges. Waiting to confirm that this has been. 

Statements for two month had been mailed with the incorrect address. We wonder how many other people have been forced to pay fees because of mismanagement or intentional means to generate money from fees.
Product: Credit card

Over the past approximately six months, I have has problems receiving my mail. XXXX or XXXX pieces of credit card statements and my homeowner 's insurance bill were no delivered. This resulted in late fees plus interest charges on the credit cards and my homeowner 's insurance being cancelled. 

I spoke with my local post office twice in person and the Deliver Supervisor said she would talk to my carrier and correct the situation. I also emailed the USPS about my situation. I thought the situation was resolved until recently I received another late fee and interest charge on another Citibank credit card statement. This time I called the USPS and filed a formal complaint and was contacted by a Public Affairs specialist who contacted my local post office which verified they were aware of my situation. The specialist said she got the Delivery Supervisor 's supervisor involved and would run a 10 day test on my mail to verify things were being delivered as they should. 

As soon as I learned of the late fee being charged on my CItibank credit card statement, I called them to tell them what happened. The representative I spoke with said that it would be no problem to refund the late fee and interest charge so I paid the difference between the statement balance and the late fee plus interest charges. Only at the end of the call did the representative make it seem like there might have to be someone named and Account Services person to review/approve the late fee/interest charge refund. 

In the mean time, I signed up for online statements via email and for text alerts on my cell phone so I would know when statements were ready ( in case the mail was non-delivered again ) and so I would know if they were overdue. 

After waiting the three to five business days for review, I was told I would have to pay the late fee plus interest charges, despite my mail having been not delivered to my address and actually having been returned to Citibank ( which they verified ). And despite my explaining to XXXX, a supervisor in Maryland, the lengths I had gone through to get my mail delivery problems corrected and to set up alerts for new statements so that I would n't miss another payment date again in the future. Her response was that Citibank had made a business decision not to waive any more late fees period and that was it. I advised her of my 11 year tenure with CItibank, my mortgage with CitiMortgage and my almost perfect credit score, but she was not swayed. I do not know who is right in this situation, but I would like to complain about Citibanks inflexibility in this matter. I did what I could on my end to improve the situation, so it seems like they could work with me a little on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN was in the Equifax breech and XXXX XXXXXXXX Breech and my credit has Been ruined ever Since I always had good credit and now I cant even get a bank account or A XXXX pack of gum!!! Please help without credit in American you cant do XXXX buy a house Car nothing please help, Who do I ask for a XXXX?
Product: Credit card or prepaid card

Store credit cards, specifically XXXX and XXXX, do not allow for auto pay or recurring payments. This is an issue for someone such as myself who is attempting to take care of bills for an elderly member of the family. This is not a difficult feature to add. I feel like it should be mandatory to offer an auto pay feature. The stores that do not are likely just hoping that you forget to pay the bill to charge you the late fee.
Product: Debt collection

Firstpoint collection resources is reporting an collection the credit report for an original account with XXXX XXXX XXXX XXXX. I spoke to Ms. XXXX XXXX on XX/XX/19 with XXXX  collection department who stated that she is unaware of this company and what they are collecting on. I am asking for a removal from my report and has mailed a validation request to Firstpoint.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 card or prepaid card

XXXX XX/XX/2022 DEAR CUSTOMER XXXX ABOUT XXXX : I AM XXXX XXXX XXXX THE XXXX REASON OF OPENING AND FILING A CPMPLAINT AGAINST BJ 'S CREDIT CARD CORPORATION IT'S FOR THE FOLLOWING REASONS ON THE MONTH OF XXXX 2022, THIS CORPORATION MISTAKENLY HAPPEN TO RECEIVE XXXX ELECTRONICALLY FULL PAYMENTS OF THE EQUAL AMOUNT OF {$170.00} FROM XXXX DIFFERENT BANKS INSTITUTIONS ON MY BEHALF TO COVER FINAL REMAINING BILL OF SRPTEMBER THAT WAS DUE ON THE XXXX OF THAT MONTH AS SOON AS I REALIZE WHAT HAS HAPPEN I DID REQUEST THE XXXX XXXX XXXX XXXX TO STOP THAT PAYMENT THAT I DIDN'T AUTHORIZE : THE CREDIT UNION DID COMPLY WITH MY REQUEST, HOWEVER TO MY SUPRISE I HAPPEN TO RECEIVE XXXX CREDIT CARD STATEMENT WIT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX account number 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.
Product: Mortgage

I have a mortgage with Shellpoint/now New Rez. There are two buildings on this property. Each has its owner insurance policy. They are collecting the funds for property taxes and insurance to pay both insurance policies. But, they only paid one. I have called them, escalated with them, sent them both bills twice. They do this every year. They are in violation of the trust funds regulations and laws and should be audited extensively and severely fined for poor management of consumer funds.
Product: Prepaid card

Tried to add American Express Gift Card to XXXX to purchase items and card keeps getting denied.
Product: Debt collection

I am going to be hones I due owe my old apartment complex. I have tried to get the collection agency and apartment complex to either mail me or email me a VOD i have proof that i requested for the collection agency to email me a verification of debt and validation of debt i have the emails with the time stamp as proof to back me up. The balance is extremely to high from the paperwork that I was giving showing my outstanding balance if someone could please contact me on my phone at XXXX or via email XXXXXXXXXXXX please I really want to resolve this issue. Thank you.
Product: Student loan

Navient is reporting the below, XXXX ( XXXX ) late payments to the XXXX XXXX XXXX : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX I sent the below communication to Navient requesting to have the XXXX ( XXXX ) late payments forgiving or removed from my credit report. 
XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX The student loan has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is in violation. Please update I have a report with the correct reporting of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no legal binding accounts or debt with this company and no accounts with the account number of XXXX
Product: Credit reporting or other personal consumer reports

In 2023 someone stole my phone got a hold to my social security number and was calling dealer ships giving them my social to run my credit
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX ( Charge Off/Closed ) Acct. # XXXX XXXX XXXX XXXX ( Charge Off/Closed ) Acct. # XXXX XXXX XXXX  ( Charge Off/Closed ) Acct. # XXXX XXXX XXXX  ( Collection ) Acct. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY HAD CHARGED -OFF XXXX OF MY ACCOUNTS BUT FAILED TO SEND ME A XXXX FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS XXXX  YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.
Product: Debt collection

I checked my credit report today and noticed a collection from National Credit Adjusters claiming that I owe {$480.00} to some company named XXXX XXXX. I have never done business with a XXXX XXXX nor have I ever heard of them. This ridiculous collection has caused my credit score to drop.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX XXXX XXXX {$300.00}, FSTPROGRESS {$160.00}, XXXX {$7800.00}
Product: Debt collection

I have a XXXX XXXX Credit Card that was put into collections with Portfolio Recovery Associates. I have called multiple times and requested a letter reflected the balance amount that was agreed upon ( {$3700.00} ) and the current balance towards that settlement amount ( told over the phone today was {$2700.00} ). The company is refusing to put actual balances into writing as they have stated " we don't do that. '' They will only provide a payment schedule. This request is being made as we are trying to get approved for an FHA mortgage loan and the FHA requirements have to provide documentation of the balances, which the collection company is refusing to do.
Product: Debt collection

On XXXX, XXXX, XXXX, XXXX collection agencies re-reported closed accounts to XXXX. XXXX reviewed these accounts and they were billed by a third collection agency. They could not provide proper identification and XXXX closed these accounts on XXXX XXXX, XXXX. In XXXX XXXX they reported them again. In the state of TEXAS the statue of limitations is 4 years. Since these were marked closed can I file in court? I am aware that I can collect XXXX per agency if they report inaccurate information.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and i noticed that all of the hard inquiries do not have permissable purpose.

According to 15 USC 1681 b this is a violation and all inquiries need to be deleted.
Product: Credit reporting or other personal consumer reports

XXXX writing to formally request the removal of illegal medical information included in my consumer report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 6 ) Health Insurance Portability and Accountability Act 42 usc 1320d ( 5 ) ) 6 ). The presence of such information not only breaches my privacy but XXXX also result in unfair treatment. 
Upon reviewing my consumer report, I noticed that the following medical information has been included : * XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX XXXX Under the FCRA and related laws, consumer reporting agencies are prohibited from including specific types of medical information unless explicitly permitted under certain circumstances. i dontnot consent to the sharing of this information.