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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payments were made on time, but XXXX 's system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect XXXX XXXX to Account XXXX : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam, I have been using MoneyGram service to send money to my family in XXXX for many years. 
Two months ago their the Web site asked me to submit my ID. I did, even though I don't feel very good about sending my ID to nobody knows whom. For unknown reasons, my American Driver 's license was not good enough for MoneyGram, they just declined it without any explanation. 
I called Customer Service, they were not able to explain to me what happened, and just keep asking me to take pictures of my ID again and send it to them. I did. Again, it wasn't good enough, so I have received an email about my account being terminated! Once again, no explanations offered.

I called Customer Service again, they reset my account, and then - correct, the same story again and again.

I just sent my ID photos again ( for the 4th time ), and
got same response.

I doesn't seem possible to figure this out with MoneyGram customer support, so I was hoping someone smarter could take a look at this situation. I am out of means to resolve it on my own. 
Thank you for your care, and have a great day
Product: Debt collection

I am writing this statement today to complain of the poor service I re ceived from ProCollect  on several occasions. Today I called to speak with someone regarding my dispute and was directed to a  XXXX   XXXX   XXXX .  XXXX   XXXX  is everything but professional, being an employee includes being attentive to the customer issues and acknowledging them, this employee does otherwise.  XXXX   XXXX  is the most unprofessional employee that I have ever came by. Being belligerent for an unknown cause and not letting me state my reason for my call without getting interrupted. To my knowledge  XXXX   XXXX  is t he manager of her department ( dispute department ), to think a manager who is supposed to be someone that sets example in the work place hangs up in my face and shifts the blame on me, the customer, for her disgusting behavior is absurd! I will be sending in more letters and possibly taking this compan y to small claims court if there is no cooperation!
Product: Debt collection

NATIONAL CREDIT ADJUST reporting on my credit report on XX/XX/2020 a collection balance of {$590.00} that I don't own I also ask to verify the account showing my wet signature or payment history and the company failed to do so every time I would like for the company to delete from all three major credit bureaus ( XXXX, XXXX, and XXXX ) Sincerely XXXX XXXX
Product: Payday loan, title loan, or personal loan

There was a loan applied to my account that u did not do nor did I receive it and it is making a difference in my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days past due on XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have been unsuccessful.
Product: Debt collection

When I was trying to login my classes online XXXX XXXX XXXX XXXX XXXX. I was able to open the online classes because it was turn over to a collection agency. So, it was a number there for me to call the collection agency ( Ability Recovery Service Center ). When I call and was trying to talk to her ( XXXX XXXX ) she was very rude I was trying to tell her I am unemployed and I would n't not be able to pay in full ( {$2500.00} ). She start yelling on the phone with me getting smart. I was trying to ask her if I can come up with a {$150.00} to open my classes back up. She would n't listen to what I had to say and when I call her XXXX XXXX ) back the second time she said I have already talk with you once but I was trying to tell her the school ( XXXX XXXX XXXX ) said I would n't have to pay in full ( {$2500.00} ) to open my classes back up but ( XXXX XXXX ) said it not what ( XXXX XXXX XXXX XXXX say it what she say. She was still yelling on the phone you would have to pay in full but I am unable to pay the full amount cause I do not have a job at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and XXXX XXXX XXXX XXXX perpetuate credit use with XXXX hospital records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX   who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX XXXX to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.
Product: Credit card or prepaid card

I accidentally used my XXXX XXXX bill pay to pay a closed account instead of our open credit card through Capital One. The Capital One website shows my payment of {$1600.00} on XX/XX/XXXX as well as my XXXX XXXX checking account. XXXX XXXX and myself have contacted Capital one and they state they dont show the payment.
Product: Checking or savings account

XX/XX/23 I called Synchrony Bank ( XXXX ) to inquire as to whether they would close XXXX XXXX XXXX CD accounts and waive any penalties. Note : I closed another CD at another bank and they waived my fees so I called knowing that some banks do this. I spoke with XXXX, who assured me that yes, that could be accomplished. She said they would close both accounts incurring no penalty and move the funds into a " standard '' account. Then I could withdraw them or do as I wish. XXXX, then said XXXX, in the XXXX XXXX would assist in taking it from there. XXXX said they could not honor what XXXX told me and that she probably had was not trained well. I told him, I feel they should honor what I was just told. I told him to listen to the recording as I had XXXX repeat that there would be no penalties, whatsoever. He said his legal department would have a look at this. Then, on XX/XX/23 I got a call from XXXX from Synchrony 's XXXX XXXX. She lied and said XXXX told me there would be penalties. I don't think she listened to the recording ( or just lied ) because I am 100 % sure XXXX NEVER mentioned ANY penalties, I would be responsible for. I actually had XXXX repeat that there would be no penalties ( on the recording ) so that there was clarity in what we had just agreed on. I requested a copy of the recording because I KNOW what was said! XXXX refused. Synchrony should stand by what was agreed to ( on a recording ) and allow me to close my accounts without penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and came upon an alleged XXXX XXXX  Bankruptcy reporting on my consumer credit report. This is an error and Experian has violated my federally protected privacy rights by reporting such false information on my consumer credit report. I have filed a notarized Affidavit with the United States Bankruptcy Court Northern District of Indiana notifying them of their potential violation of state and federal law by providing Experian with my private court records. I received information back from the XXXX Bankruptcy Court stating they do not report to or provide information to any credit reporting agencies. Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), Congress states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I did not authorize or give anyone access to my private and confidential records, including the alleged XXXX XXXX XXXX XXXX # : XXXX.
Product: Consumer Loan

Company " Argon '' refuses to update my information on website, refuses to state name via email but constantly request personal Identifying information, plays games like sends me emails regarding programs but removes and or no longer offers programs 3 days later, refuses to forward me to upper management, headquarters, ceo 's, XXXX, refuses to verify information regarding my account in writting, claims they do n't, refuses to fix my account allowing me to pay on time, instead, I cant pay online causing loan to be late, I wont call in because representatives are rude and I demand a receipt as well as confirmation in writting via email or mail, because of my previous experiences and my demands, argon associates, and representatives are ritaliating by not allowing me to pay online after I have sent proof of all violations/allegations.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All have 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 XXXX 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: Student loan

I took out a small, private student loan of {$3300.00} on XX/XX/XXXX. I have been making payments since XX/XX/XXXX, when the interest accrued made my loan balance {$5000.00}. I have been making consistent payments of the minimum amount, yet my payments did not affect the principal of this loan until XX/XX/XXXX. My payment amount is now {$52.00} a month and I truly think I have paid way more than I should have on this loan in interest and fees but the lender can not do anything at all to help me, aside from telling me to shop around for a private loan refinancer in order to lower my current 10.93 % interest rate. Is there any way that you can negotiate this for me and help me get rid of this loan once and for all? 

Thanks so much!
Product: Debt collection

Contacted FCO numerous of times to dispute and have them reverify ownership and balance owe after being denied rental property for debt being on credit. In attempts I was told that the third party could not be reach there fore the debt should be paid by myself. Was also talked to very rude and was denied further communication if I was not will to work out a resolution for debt owed. Representatives refused to acknowledge dates if information verify after initially picking up account. Sent letters and had caseworker reach out to get issue resolved. Went over documents that I had on file and did not match with FCO documents. Was told that the information they had was verified and correct. But they were all dated two years ago. Was told that it did not matter that I was in a third party housing program was they lost funding I was responsible for debt owed. Only because lease had my name on it. Tried to explain that the program was to establish secure housing with financial responsibility on the program. Was still told very rudely that debt it mine and that I would be hung up on if I did not wont to resolve. Was also told that certain identification info was not relevant to my situation..
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

A debt verification letter was sent 31 days ago and no response was ever received. The debt is still being reported on my credit even after they failed to properly verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I received an email from Bank of America indicating that I had incurred a number of charges and that payment was due in 3 weeks. I contacted BOA ( XX/XX/20 ) and they reassured me that I would not be responsible for the charges. I have the card in my possession and the charges have been reversed. 

They claim to have mailed a new card to me in XXXX which I never received. I asked how could the card have been used when I never activated the card. They could not reply with an answer. 

This resulted in a lowering of my FICO score. I have tried 3 or 4 times to close the account to no avail. For some reason they refuse to do so. 

As you know, crime has increased significantly during the pandemic. For this reason, I felt it best to close a number of my credit cards. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported to my credit without notifying me first. I called them and confirmed that they sent to initial demand letter to an old address. I asked them to delete the information off my credit report and then send me the initial demand letter so I have time to take care of the balance without anything hitting my credit. The acknowledge it was sent to the wrong address but claim since they received that address from the originator that they followed all the rules. I disagree, I was never allowed time to take care of the accounts before they hit credit. They said they also had phone communication with me but during that call they never talked about credit reporting. This is very unfair and violates the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

I received my yearly mortgage payment booklet on the mail on XXXX XXXX from home loan XXXX. The payment book showed that my home mortgage payment went from XXXX a month to XXXX a month. I called home loan serv and they blame the {$250.00} a month increase on my home taxes. The taxes on my home have be nearly the same amount for the last 2 years. The mortgage company told me to contact the city about my taxes. I did, to which they told me the amount approx {$1800.00}. Looking at my payment booklet it 's showing me as having a negative escrow balance right now of being {$540.00}, telling me o have a shortage of {$980.00}. I realize that my mortgage was sold to this company last year from wells fargo, but why now are they raising my payments when all along my taxes on my home have been about the same. The lady whom i spoke with at home loan serv all but brushed me off, I waited on the line for over XXXX minutes and all I was told was to call the city.
Product: Checking or savings account

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Dear ChexSystems, I am a victim of identity theft. The information listed below, which appears on my chexsystems report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Digital XXXX XXXX XXXX and XXXX XXXX XXXX  and XXXX XXXX XXXX. ] Please block this information from my credit report, pursuant to section 6058 of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 6058 of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furbisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. A Subject to section 1681-3 of this title, any ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Ennoblement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ [ 15 U.S.C. 1681n ] My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXXXXXX. Driver License, SSN Card, and Proof of Residence
Product: Checking or savings account

I contacted the company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute following charges : XX/XX/XXXX : XXXX Payment {$200.00} XX/XX/XXXX : XXXX XXXX, XXXX, XXXX {$210.00} Ally keeps promising to send documentation that supports their decision that these charges are not fraudulent. Documentation/letter received is just a form letter stating that they have found the charges to be valid.
Product: Debt collection

On XX/XX/2020 Commonwealth Financial Systems Inc. reported to XXXX, XXXX and XXXX  I had one account in collections for {$1900.00} dollars, I have no knowledge of said account and I do not owe Commonwealth Financial Systems Inc. anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Commonwealth Financial Systems Inc. or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Commonwealth Financial Systems Inc. are a clear violation of the Fair Debt Collections Act. I am requesting that Commonwealth Financial Systems Inc. remove this collection account from each of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I need the below accounts reviewed immediately as they have been paid on time and the XXXX account does not belong to me. Please adjust my credit profile immediately as its causing me harm. 

XXXX XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXXXXXX XXXX- XXXX NEVER PAID LATE- PLEASE ADJUST XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT-FRAUDLENT -NOT MINE Kind Regards XXXX XXXX XXXX XXXX