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

I registered for an online account with MoneyGram in 2019. I tried to send a single transaction and immediately received a response that stated, " After careful review, your profile is closed and transaction declined. '' At the time it was a minor inconvenience and I sent money via another method. Now, another need to send money has arisen. I tried to create a new MoneyGram account and I was unable to. I spoke with multiple customer service agents online and on the phone, and I was told that 1 ) their " automated system '' decided to cancel my account, 2 ) they can not give me any more information, 3 ) the decision is final, 4 ) I can NEVER create an online account again, for the rest of my life, and 5 ) there is not a single person at MoneyGram who has any responsibility over this " automated system '' that could, or is willing to, give me further information, or appeal or reverse the decision.

I have been denied the use of MoneyGram 's online service via no fault of my own, with no option to appeal. I have been unjustly discriminated against, as no valid reason to deny me service has been supplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX   saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXXand it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, Experian and XXXX  should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander USA Account # XXXX I have concerns in regards to what you are reporting on my credit report. The account has been charged off yet still reporting that it is open. The account paid off on XX/XX/2022 from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company Santander USA is showing Profit loss/write-off as remarks ( Payment after charge off/collection. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

Also, see the attached Consumer Financial Protection Bureau Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans as evidence of violation.
Product: Credit card or prepaid card

Never received a credit card rewards. They claimed to have sent it then it expired so i never got to use my rewards. They wont send me a copy of my expired certificate.
Product: Checking or savings account

Im so frustrated because out there are many people complaining for the same thing, Wells Fargo, how they allow people to opening fraudulent accounts online, Im wondering how broke is the people who is on charge of online accounting center. I used to have Wells Fargo before but I had really bad experience, is there is someone using my identity, or many of other people identify, they should have more carefully while opening checking accounts. Hopefully one day their bank get fix at anyway
Product: Credit reporting or other personal consumer reports

writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I made a prior authorization with this company in the past on XX/XX/2019 and that was all agreed to take from my card {$500.00} now fast forward and on XX/XX/2019 they illegally took {$4600.00} without my consents. Someone forged my signature and I tried disputing the charges and my bank ( Santander ) and they keep giving me a XXXX  XXXX excuse to my denials to contact the business but they are in XXXX Fl ( XXXX XXXX place ) and no one is returning my calls or responding to my voicemails. I have been calling everyday and I get hung up on or sent to voicemail or left on hold for hours. My bank wont help me or fight for me and this is too much money to loose. I have the signature from my 1st transaction I did authorize for {$500.00} ; then 7 weeks later they charged me and forged my signature the XXXX handwriting doesn't even match. I was robbed and need my bank to get my money back.
Product: Debt collection

XXXX XXXX XXXXXXXX  my card was taken and had an amount off {$600.00} withdrawn from my account without my consent I was unaware of it and the said person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to press charges and distpute this event money owed before account bring closed is around - {$240.00} or so to Navy Fed Credit Union. I have no access to this card or account and have not since XXXX XXXX XXXX
Product: Debt collection

I called up the company that manages my home loan payment and informed them that they needed to do a tax inquiry or analysis with my county to adjust my monthly mortgage payment because I was recently granted a new tax exemption. The mortgage management representative refused to take the necessary step by saying that " I need to send them a tax bill with the amount for 2025 ''. The tax bill for year 2025 is due in XXXX of 2025 which means I could be making over payments unnecessarily. I was recently granted a XXXX veteran XXXX exemption for the year 2025 from XXXX XXXX. The county did not send me any paperwork, but they did send me an email confirming the benefit. It is the management company 's responsibility to reach out to my county to confirm and reduce my monthly mortgage after I have contacted them. Currently there are no bill or amounts due on my county 's website account.
Product: Credit card or prepaid card

Syncrony Bank set a disproportionally high monthly payment on the balance on my CareCredit card, and refused to reduce it to normal.
Product: Credit reporting, credit repair services, or other personal consumer reports

With both XXXX  and Trans Union I am not able to get my credit report I even paid XXXX  and they charge my card twice and I still have not gotten access to my account where I could see my credit report when I called the XXXX numbers for both XXXX  and Trans Union they are saying that my ZIP Code and my social does not match but on the three credit reporting agencies they do show my report This is crazy Im trying to get out of debt and and I have told them I can not get through the telephone line for the pre-screening being incorrect with my social security number I have made a police report because some furniture was charged in my name but I cant even speak to a live agent or a foul a dispute because I can not get past The phone screening and that is messing up my credit And its not fair why should I have to Have bad credit because theyre screening will not allow me as a consumer as well as a person who they have all of my valuable information but will not give me access to it this is how I get a home this is how I get vehicles but I cant see what Im doing
Product: Credit reporting or other personal consumer reports

I am using my rights as outlined by the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. The data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the allegations included on my credit report are not true, I request that they be immediately deleted. Please provide accurate and verified information for each claim. Thank you for your attention to this matter.
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 U.S.C 1681. 

XXXX  XXXX XXXX XXXX -Account # XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602A : That I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 : it also states, a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which antedates.

The reporting 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent letters to Ideal Collection Services seeking that they validate the debt. They have failed to do so. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How does this company list this entry as data factoring when they are a 3rd party collection company and did not assume the debt prior to charge off? This company did not prove that the statute of limitations has not expired. Where are the documents that reflect my signature? Where are the documents that provide proof of ALL charges, invoices, or slips that prove my indebtness to them? Ideal Collection Services is blatantly violating my consumer rights as well as totally disregarding the mandates set forth in the Fair Debt Collection Practices Act. This erroneous, unverifiable, inaccurate item should not be reflected on my credit reports.
Product: Credit card or prepaid card

My mother had a credit card with Capital City Bank. She passed away on XX/XX/XXXX. I called Capital City Bank, advised them of mother 's death and asked them to stop auto-debiting our joint account. I was told two things : 1 ) the future auto-debits would be canceled and 2 ) the current payment was pending and to call back the next day to have it reversed. When I called back today and spoke with representative and a manager I was told.. '' I apologize for the loss of your mother ... .we can't give you any information nor can we confirm or deny that auto-payment was canceled nor can we assit you in canceling your mother 's auto-payment from your checking account. '' So even though my mother passed away on XX/XX/XXXX, and Capital City Bank was notified, they still took {$200.00} from my checking account on XX/XX/XXXX even though they had advised me that this would not happen. I feel as if they are taking advantage of me as a consumer and are trying to profit from the death of my mom.
Product: Debt collection

Southwest Credit Systems LP is attempting to collect an alleged debt. I have never been involved in a transaction with this entity, not to my knowledge. The alleged debt is not mine. The entire amount is disputed under the FDCPA. I never gave this entity permission to contact me through any medium. This entity is to CEASE all communications in regards to this alleged debt.
Product: Mortgage

In XXXX of this year, I started an assistance application with Select Portfolio Servicing in regards to my mortgage as fell behind due to lack of rent. Im currently in forbearance until XXXX and Ive been making payments. After almost months and doing everything they asked of me many times, I received a letter I qualified for nothing and my only options are foreclose or sell. I dont think this is fair because Ive done everything asked of me, including working with HUD . During these times where jobs and rents came with much uncertainty ; one would think they would be more acceptable to working with a person who has lived here 20 years.
Product: Debt collection

I pulled my credit report and found tha t Kimball Tirey St John is re porting on my credit report for over {$6000.00}. On all  XXXX  bureaus it is reporting different amounts between $  XXXX  {$6800.00}. I sent a debt validation letter o n  XX/XX/XXXX  and  XX/XX/XXXX  with no  proof of the validation.  Kimball Tirey St John sent  an electronic response to all  XXXX  bureaus and never sent me proof of the debt. I requested name and address of original credit, copy of original contract, complete accounting information with fees, payments, interests, and charges, as well as the date of the debt. This debt is not mine, it is ruing my credit worthiness, and is reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially called XXXX Bank on XX/XX/XXXX regarding a missed payment in XX/XX/XXXX. I explained to the rep that I fell sick with XXXX  in XXXX and missed the one payment. I was told to file a dispute through XXXX and Transunion to fix the report to reflect my missed payment due to XXXX XXXX. I submitted a dispute to both XXXX and Transunion on XX/XX/XXXX, and was told by both institutions the result of the report only updated my balance, not the disputed missed payment. I submitted another dispute with XXXX and Transunion with more information about my illness with XXXX and no results. Im not sure what to do at this point, as I dont want this one missed payment punish any future opportunities.
Product: Mortgage

I have been a home owner for the last 4 years and I have ALWAYS paid my mortgage payments on time and I have NEVER missed the payment deadlines. 

As always, on XX/XX/2018, i went to 'Freedom Mortgage ' website and I made my payment by entering my name and my bank routing number and checking account number. I hit confirm and the system took me to the next page and said 'Your Payment Is Scheduled ' and it also provided me a confirmation number for the payment. This clearly seemed like the payment process was completed as the system itself confirmed it with a confirmation number. 

However, on XX/XX/2018, i received a call from Freedom Mortgage informing me that the payment was not successful due to technical issues and they asked me to provide my bank routing and account number again, which i did and completed the payment for XX/XX/2018. I asked them what the technical issue was but they were not able to explain me the exact reasons for the payment not going through. 

Freedom mortgage has technical issues with their systems as it confirmed to me that the payment went through but now they blame me for being late. 

I am in no way responsible for this late payment as I duly made my payment and their system provided me a confirmation number as well. I have never been late with my mortgage payments in my entire life. 

I have now been reported to Credit Bureaus as late causing my credit to fall by about 80 points, for ABSOLUTELY NO FAULT OF MINE. 

I request you to kindly investigate this matter and order Freedom Mortgage to fix my XX/XX/2018 payment issue and have them work with the credit bureaus to correct my XX/XX/2018 payment as NOT late. 

Thank You XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bought a new vacuum cleaner from a company out of XXXX, Texas. Their name is XXXX XXXX XXXX XXXX. Their clientele are people with bad credit. When you finance something with them, there are all the hidden fees, insurance fees, {$50.00} for this {$20.00} for that and an interest rate of 45.51 %. 
When you are down on your credit score, the
y help you to stay down. Three credit checks in 1 week, my Credit score dropped 10 points. 
Oh, this company does not put any of your account information on-line you have to go their website and " request '' a " Loan Ledger '' in order to get financial information out of them. 
The price of the vacuum cleaner was XXXX with all their hidden fees, finance charge, payments for 2 years, the total cost of the vacua cleaner will be {$1200.00}. DOUBLE the cost of the vacuum cleaner. 
So my monthly payments are {$51.00} for 24 months. 
My first payment was for {$300.00} and I ask for a " Loan Ledger "  and received it. 
My second was a payment of {$500.00} with XXXX XXXX debited my account on XXXX XX/XX/XXXX, and Conn 's accepted payment on XXXX XX/XX/XXXX. As of today XXXX XXXX they have not credited my account. It probably didn't help that I was going to get a lawyer and sue them. 
I use XXXX XXXX/XXXX  bill pay. Never had a problem with any of my payments until now. I assume that they are holding my {$500.00} deposit so that they can say that I did not make a payment and charge me a late fee. I am trying to pay them in full, but they are not cooperating. 
The solution is I need and up-to-date balance AND for them to credit my {$500.00} payment. 
I XXXX  military, 35 years, I have XXXX and they are treating me like a second class citizen. And yes the law suite is coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 


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: Vehicle loan or lease

I called this Santander consumer about my account being that the car I got- I returned do to losing my job and I returned it before any payments had started- but I see on my credit report I missed a payment for that same car and that car has since been returned and I'm it's plates surrender to the DMV - also it's title -l My credit score has gone down XXXX points do this error - 1 - I don't have the car anymore 2. Any contract is null in void once their merchandise is returned - 3 - the tow company also sent them notice to come get their vehicle from the tow yard - they are running a scam not reporting that that have the vehicle back and only reporting I missed payments when I don't have any payments- with the car return and I called three times to closed that account but yet it keeps staying active on their part as some scam
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REFUSES TO UPDATE MY ADDRESS AND INFO. 
MY SOCIAL SECURITY CARD WAS ISSUED IN XXXX BUT NOW IN XXXX, I LIVE IN PENNSYLVANIA. need this updated and verified, and confirmed. Please send me the annual ( free ) credit report. I provided my info in the attached.
Product: Debt collection

Ive previously submitted a complaint with this company about it being on my credit report and the information being inaccurate. In their response they stated that they no longer owned the account # XXXX and the original creditor was not reporting the account to the credit bureaus anymore. Ive disputed on XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX responded to XXXX XXXX that the information they provided was correct and it was not removed from my report. You can see XXXX XXXX XXXX XXXXXXXX XXXX XXXX in the complaint # XXXX that the account # XXXX I spoke of is no longer being reported. I disputed the account through XXXX XXXX on XX/XX/year> and have several times since. They have not sent me information of the debt owed and they still give inaccurate information to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote requesting an investigation into ( XXXX XXXX account number XXXX ) as of XX/XX/XXXX. I have not received a response from the credit bureaus, XXXX, TransUnion, or XXXX. I believe there was INACCURATE reporting of the account XXXX. I have not received a reply or any acknowledgment that an investigation has begun. The credit bureaus are not in compliance with their own policy of 30 days. 

XXXX, TransUnion and XXXX reporting account XXXX as late payments for 90 days for the month of XX/XX/XXXX, with paid as agreed in the previous months XXXX and XX/XX/XXXX, and the current months showing XXXX and XX/XX/XXXX, no data. The account XXXX on the myfedloan.gov website in the account XXXX show no late payments or delinquent or default for account XXXX in the history. I have attached copies for the account XXXX. as proof of inaccuracy.