23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On XXXX XXXX I contacted Moneygram to see if it was OK for me to send money again, as they had cancelled a trasfer a few months ago. I was told it was now OK. I sent {$1000.00} to the XXXX on XXXX XXXX. When she went to receive it, she was told I had to contact the company. I contacted Moneygram and they said they declined to send, and I should return to get a refund. 

On XXXX I went back to Walmart and was told it was over their limit and did n't know where I had to get the money. 
I called Moneygram and tkey told me I had to go to the XXXX Currency Exchange to get the money on the other side of town. 
On XXXX XXXX I went to Currency exchange and was told that the computer said that I had to go some place else to get a refund. 
On XXXX XXXX from the currency exchange I contacted moneygram and was told I need another reference number, which their agent XXXX provided, and told me to go back to walmart to get the monmey. 
On XXXX XXXX I returned to Walmart and gave them the new number. They said the computer would not allow them to refund my money. 
Walmart called moneygram with me present and I spoke to XXXX. He said that I had to go back to the XXXX Currency exchange to get the money with the new number. I asked if he knew XXXX who told me to go to Walmart, and he said No. 
I asked him how do I get reimbursed for my time and mileage. He is in XXXX or someplace and had no idea what I was talking about, and responded I needed to show my driver 's license. 
Finaally, I returned to the XXXX currency exchange on the other side of town and was refunded my money. This all took many hours and wear and gasoline and wear and tear on my car, all because they are incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I accessed your site to get all three of my scores, for free. 
Equifax replied with " Onine Delivery Unavailable. '' XXXX XXXX XXXX # XXXX. 

I have to organize a bunch of documents to get my score, by snail mail? WHY? 
This is ANOTHER example of how the system is broken. 

I need the score TODAY to deal with an important refinancing decision. 

Please reply to XXXX Thank you
Product: Checking or savings account

Capital One did not fulfill its responsibility to protect my funds and now I am not able to access the money I have worked for. The issue with their third party is not my responsibility as a consumer to address. They have not been communicative and the customer service has always been lacking. Additionally, they're promise of high performing savings accounts has been proven to not be true. I need financial compensation and I need justice. The CEO and other high powered people in this company should be punished for theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014 it was reported that an account with XXXX 's XXXX XXXX XXXX XXXX was opened for the amount of {XXXX}. I was in college at the time so I couldn't have opened the credit account. I had reached out to Experian and the company more than once to remove debt form my credit profile and they stated the debt is validate by my name which is not true according to 15 U.S Code 1692g- Validation of Debts. I am demanding, under the provisions of the FCRA, 15 USC section 1681i, that they remove immediately as it is deemed illegal and a violation of my consumer rights according to 15 U.S code 1666b. 
As it states, a creditor or any agency must not treat any payment on a consumers credit file as late or delinquent for any purpose. If so, it must be immediately and permanently removed from file or a lawsuit will be filed for discrimination against my decent, violating my consumer rights deemed by law and the reporting of inaccurate information.
Product: Checking or savings account

I am banking with wells fargo, i opened a line of credit with XXXX XXXX to improve my credit. I sat up automatic payments to come out of my account every month on the XXXX and XXXX on ky paydays for genesis card services to debit money from my checking account to pay of the credit card every month. The first two payments of {$200.00} totalling {$400.00} they tried debiting from my account that had of {$5000.00} in it Wells fargo kept declining the transactions because they assumed it was suspicious activity i told the bank on numerous occassions that its my money pay the company. Wells fargo said they would authorize the payments but they failed to do so. In turn the credit card company suspended and closed my credit card account and reported me negatively to all 3 major credit bureaus. I walked into the wells fargo branch sat down with a manager for her to rectify the situation nothing has not been done. I feel as though as i am being racially discriminated against. I deserve to have good credit like everyone else. They messed up my credit they need to dp something to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX, Equifax, and XXXX regarding unknown and inaccurate things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be removed promptly. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. My personal information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports. I have requested contracts from creditors containing my signature and have not received anything. 

Upgrade sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency. If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

XXXX : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX Inquiries : EQUIFAX XXXX XXXXXXXX XXXX XXXX Equifax : Accounts opened as a result of Identity Theft : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX : Inaccurate spelling of my name. I have never been known by the following names : C Zardin, XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX ELAN XXXX XXXX UPGRADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX XXXX XXXXT VIA EQUIFAX MORTGAGE SERVICES XXXX XXXX
Product: Debt collection

A disputed with this company was created on XX/XX/XXXX and XX/XX/XXXX in which my second noticed was sent by certified mail and received on XX/XX/XXXX. As of todays date, XX/XX/XXXX, I have yet to hear a response from this company in regards to the validity of such account. The XXXX  allows for such company XXXX days to respond, I have yet received a response.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX  XXXX - {$0.00} XXXX XXXX - XXXX - {$22000.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$26000.00} Late Payment XXXX XXXX XXXX  XXXX - {$24000.00} XXXX XXXX XXXXXXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The company is inaccurately reporting an account to the credit bureaus. The pay status is listed as Paid in full/was a charge-off, the high balance is reported as {$390.00}, terms are listed as $ XXXXmonth, yet the payment schedule shows bi-weekly payments for 13 months. This information is contradictory and violates FCRA, XXXX XXXX, and XXXX credit reporting guidelines. An account can not simultaneously be marked as charged-off and paid in full, nor should it reflect XXXX terms while showing active payments. This type of reporting violates FCRA 1681s-2 ( b ), FDCPA, and XXXX XXXX standards. Continued reporting of such false data after resolution constitutes willful noncompliance. I request an immediate investigation and action.
Product: Checking or savings account

Account charged incorrect fees. Account placed in negative status due to institution errors.
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 Account # XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX  XXXX BANK account number XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on 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 XXXX 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 have disputed an inaccurate account with Equifax, XXXX and XXXX on Two ( 2 ) different occasions for a XXXX account being collected by XXXX XXXX ( Equifax and XXXX ) and XXXX XXXX ( XXXX ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XX/XX/XXXX and XX/XX/XXXX. I am entitled to a fair and accurate report.
Product: Consumer Loan

I am now out of work due to a XXXX and can not make the payments. The lender is unwilling to work with me and I 'm worried about what will happen next.
Product: Credit card or prepaid card

I received a vm from total visa stating i was behind on payments. After logging in to my account i found out i was behind. Total visa failed to provide me with a bill or any statement since febuary 2019. When i called to ask why i didnt receive a statement by mail or email. I was informed my account was suspended. When i asked why they said bc my mail was returned. So i asked why they didnt contact me and i wasnt given an adequate response. My next question was if my account is suspended how am i being charged an annual fee? Response : thats just how it works youre suppose to keep up with your own bills. Ok ... why wasnt i informed by mail, email, or call. I cant pay a bill youre not sending me statements for. So on top of the annual fee i was charged a late fee and interest on that late fee. I payed the annual fee but told them i should not be responsible for any other fees occurred bc of their failure to provide me with a statement or bill. I was told it would be sent for review to have charges removed. Never heard anything from them. Im still racking up interest on the remaining balance and they refuse to help. Ive since requested my account to be closed bc i made the payment and its not closed. The is unacceptable business practice. Ive only used this card once and every payment has been on time, except when they decided to not inform me of charges occurred. After speaking with them i still have yet to receive anything by mail. My address is the same it never changed.
Product: Credit reporting

I called to cancel my TransUnion credit monitoring service 2 years ago. Despite being able to sign up online, they did not offer a way to cancel online. During the phone call, i got verbal confirmation that my service would be cancelled and that I would not longer be charged ... however this was only after me repeating " please cancel my service '' for 20 minutes while they recited a sales pitch. Just today, I looking at a statement from an old credit card I realized they never actually cancelled my service. This is 2 years of $ XXXX/month that they have been charging me without my consent.
Product: Vehicle loan or lease

I purchased my vehicle at the end of my lease. Instead of making the last payment, I called Toyota Financial and requested the buyout package. At that time, the last payment was included in the payoff amount provided by Toyota Financial and late fees were waived. My payoff was processed by Toyota Financial, yet they still submitted my final months late payment to the credit bureaus. I called Toyota and they explanation was insufficient and inaccurate. The amount they had me as late was 2 months, as they said I was late even after having received the full payoff amount.
Product: Credit card or prepaid card

I requested temporary relief due to being unable to work because of Covid. I requested this and it was approved on XX/XX/2020. 2 Days later the company took a payment despite this, after I explained to the rep I did not have the funds to make a payment, and over-drew my checking account. 

I made a complaint a complaint through the secure messaging system. And there only response is we will bring this up with our reps in our next company meeting. 

I had to have my checking account restricted by my credit union. The credit card company could not take any more payments so not only did they report my delinquent status on my credit reports, but also charged me late fees for the months of XXXX and XXXX for non payment. This was after they sent me a letter stating I could miss 2 billing cycles worth of payments. I have this letter and the bank statement. 

The company that did this is Comenity which provides credit for XXXX. To get them to stop I had to pay more than I owed, including 2 late fees that I should not have owed. This came directly from my stimulus funds.
Product: Credit card

On XX/XX/XXXX, I placed an order from XXXX XXXX  using the XXXX XXXX  issued by Synchrony Bank in XX/XX/XXXX. The purchase was accepted, the order even showed the last 4 of the credit card number on the invoice. I even received my order just days later. I went to check on the balance of the card yesterday, XX/XX/XXXX, but the account was not listed on the XXXX portal. When I called them and asked what happened, the representative told me that the account was closed due to inactivity. But I have never received any notifications to that fact! It was very suspicious to me that they would close the account the very first time I made a purchase using this card. I have since read similar instances in various online forums where they closed accounts the moment a purchase was made. They claimed it was because of inactivity over one year from the date of issue, but there is another XXXX card that I have not used in over a year that is still open! They would not reinstate my account, and said that I would receive paper statements by which to pay my bill. Having elected paperless billing as I do with all accounts, this will force me into being charged {$2.00} every month for paper billing on an account that I can not access online. And they don't even know why it's not appearing in their online portal! This is shady business practice and they should be investigated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX 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: Mortgage

On XX/XX/XXXX, our closing disclosure with NFCU stated an estimated escrow monthly payment of XXXX. this amount was based off previous years tax payments, which were based off a significantly lower property value ( {$220000.00} ) under the previous owner. We purchased the home for {$440000.00}, and our taxes should have been estimated based off that purchase price. Instead, they were based off a much lower amount. Our escrow payment was {$520.00}, when it should have been {$720.00} all along. 

On XXXX XX/XX/XXXX, we received notice of the change. Not only will our new escrow payment be {$720.00}, an already large increase of {$190.00}, but we are also expected to pay an additional {$3200.00} either up-front or spread out over 12 months. While I appreciate the option to spread out the payment, I don't think we should be held responsible for NFCU 's clerical error or miscalculation. Had the taxes been estimated based off our purchase price, we would have had the same payment all along with no need for increase. I believe the {$3200.00} should be absorbed by NFCU, as the error is due to their miscalculation.
Product: Student loan

Complaint 1 : Currently Navient is showing 5 student loan for XXXX University as of XX/XX/XXXX. I attended XXXX University for only 2 weeks in XX/XX/XXXX and was assured the student loan received for that 1 class was returned to the lender in totality. I sent a letter to XXXX University making them aware of this issue with no reply, I sent a letter to Navient with no reply and this was after calling their customer service and complaining. 2nd complaint, Navient 's calculations of my student loans is incorrect, I was told by a Navient representative that entering an income based repayment plan would be the same as my regular payment and thus continue to decrease amount owed. This is not what is happening as my payment is driven off my income, which equates to less than regular payment and my balance continues to increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two items on my Experion credit report that are in error and should be deleted.

( 1 ) An XXXX XXXX   item showing a {$59.00} debt that was in error when first reported as I cleared all charges with XXXX  when I terminated the service. I even carried the account for additional months so that I would not have this problem. They keep turning the account over to different collectors, as of now a total of 5 agencies have harassed me.

( 2 ) A derogatory report from XXXX XXXX in the amount of {$170.00} should never have appeared on my statement. At the time I terminated my account with XXXX   I made sure I continued with them beyond my two year commitment. At the time I also had XXXX XXXX through XXXX  and when I terminated I called XXXX and was told to discontinue paying XXXX   and start paying XXXX  directly, which I did. I can't imagine how I should have to pay twice for the same service.
Product: Credit card or prepaid card

I make a payment arrangement in " Bank of American '' Agreeing with {$200.00} dollars a month. However, Bank of American continues to call me every month on my Job with harassment calls about the {$200.00} that I have been paying every month. 

Also, I don't understand. I am making payment to them and the calls continue every month.