23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate. In accordance with the fair credit report act Everything on my credit report has to be 100 % accurate. The credit bureau stated my account was properly investigated but how is that possible if open date is inaccurate the last active date is inaccurate and the last reported date is not accurate this is grounds for removal they also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 Days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. This should not happen because I personally went to the bank and spoke with relationship manager there named XXXX XXXX at XXXX XXXX in XXXX area, and she told me that the bank made an error on Automatic payment form, and when she fixed it there was a double payment made. Also, I'm not sure how I didn't even catch this prior, and my only thought is that my monthly statement did not get to me. Again, this was contested by your own employee that it was an internal bank error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit card

This morning XX/XX/year> at approximately XXXXXXXX XXXX I received an email XXXX XXXXXXXX essentially getting about XXXX emails saying I signed up for a bunch of random accounts on random websites and this immediately alarmed me. Turns out this is generally done to disguise when a threat is trying to open accounts or steal money etc. I saw in the spam of emails that an account with Capital One was opened in my name, and with my SSN. I called the company and reported the theft. I also received a suspicious office email from XXXX based in XXXX. They may be behind this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted Wells Fargo AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.
Product: Credit card

Avant doesnt have how long it takes for them to process your credit card payment once made advertised correctly on their website, customer portal, customer statements, or when you call their XXXX. 
By reading the payment policy on their statement and calling their XXXX number you would assume since it states that if you make your payment before XXXX XXXX, your payment will post in balance will be available the next business day. 
I made a payment on XX/XX/XXXX. I would not have made the payment for the amount I paid if anywhere on their customer portal, website or XXXX XXXX number said it would take 10 days to process the payment. 
This information is not disclosed anywhere, and it legally has to be disclosed at least on the credit card statement. 

I am working on building my credit back up, so I made a larger payment than the balance due but I needed to use those funds over the weekend and advantage is not releasing the funds until XX/XX/XXXX putting me in a financial bind but like I mentioned above, if this was clearly stated anywhere that the payment would take 10 days to process I wouldve just made the minimum payment due. 

This is a legal requirement of all financial companies accepting and receiving payments. I know this due to the industry that Im in and that I have to have clear verbiage on how long ACH payments will take to process for our customers.
Product: Checking or savings account

I have a small restaurant and about two years was trying to get a new merchant company to lower my credit card fees and in the end I did not go with the company but in the process i was sing to such merchant services to do a try out of how the terminal will work with the purchases in our business. I end up going with another company, the company that I am complaining about never did any merchant services for my business and for the last two years they have been charging my business account {$48.00} without providing any services. After I talked to them I was Told that they will email me a form to fill out so they will stop the withdrawals and when I asked for refund of the monies I was told that someone will contact me regarding that issue within 48 hours, to this day none of that has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Criminal record is in accurate all records belong to a different party/person. The background check was made using first name and date of birth which brought up multiple felonies. I have supporting documents of having no such record. One of the charges was a recent XXXX which would mean I would have to be incarcerated which I am not.
Product: Checking or savings account

I had a business account with fifth third, about a month ago a deposit of {$11000.00} was made into my checking account at fifth third by my merchant provider. After this deposit was made fifth third locked my account and requested some documents which showed the customer order and customer contact details. This deposit was never disputed by my customer but fifth third locked my account for reason best known to them. I reached out to them several times and they kept dragging the issue for as long as possible until they final closed my account. I went into the bank to ask for an update on my money and they claim i had no money in my account as at time of account closure which made no sense since the whole reason my account was locked was because of the {$11000.00} deposit made which was never disputed by my customer. They claim they have refunded the customer but the customer showed me proof that no refund was made into his bank account. I never received any check for my closing balance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. 
The following late payments are reporting inaccurate and therefore need to be reinvestigated. 

Inaccurate late payments and incorrect and incomplete information XXXX. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy. This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX Case Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT CAPITAL XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX CITI Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This morning, I came across some incorrect accounts on my credit report, and I have no explanation for why theyre there. While checking my report as I usually do, I noticed these discrepancies, which seemed to appear out of nowhere. I even refreshed my browser to see if it was a temporary issue, but nothing changed. As a result, I am requesting a thorough review of the documents I submitted to ensure this issue is fully resolved and no longer a concern for me.
Product: Credit card

I took advantage of a promotion for 3 % of the financed amount if I selected a 3 year financing term at Synchrony Bank. I completed the form, mailed my receipt and information and was told to wait a lengthy process. The last week of XX/XX/year> I received the gift card and it was expired as of XX/XX/year>. I called Synchrony Bank and was told they would not be able to reissue a gift card and the funds were forfeited because the card expired. They claimed the card was mailed out in XXXX, but earlier this year when I called about the status I was told to keep waiting it was on the way and the card arrived in XXXX, so clearly they are lying, they are just using this as a tactic to avoid giving me the credit I earned.
Product: Credit reporting or other personal consumer reports

I have repeatedly attempted to correct inaccurate and incorrect information on my consumer report, to no avail. This is my final attempt before i take it to court. 

SEE ATTACHED LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint of the original submission into Transunion refusing to display correct data on my consumer report for XXXX XXXX XXXX. This is in regard to account ending in XXXX. The account is being reported as closed after 3 statements proving transaction history on the card have been sent. XXXX XXXX XXXX  sent another letter to me letting me know that they have requested that Transunion correct the information. Transunion 's response to the last complaint sent to the CFPB was to inform me that account will remain closed and that I have the right to add a 100-character note to my report. This is my 4th attempt to get TransUnion to report accurate information. As this is Transunion 's position that it " an entity '', is holding, knowingly displaying false information on a consumer 's credit report, Transunion has intentionally violated FCRA { 15 U.S.C. 1681 }. I am now requesting that the federal trade commission get involved with enforcing FCRA on my behalf. I am engaging with an attorney to deal with issue moving forward. I have attached the XX/XX/2023, XX/XX/2023, and the XX/XX/2023 billing statements for the account showing as closed on the Transunion credit report. This is a demand for correction, and removal of inaccurate, or incomplete information on my consumer report with Transunion. Note - Transunion is incorrectly marking months of the report as " insufficient / no data ''. This needs to be corrected.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of non-permissible credit inquiries from my credit report. My report was pulled by the following companies without my authorization or knowledge. 
XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Many times missed which is actually reported on my credit report looks like inacurate and or confusing.
Product: Payday loan, title loan, personal loan, or advance loan

MoneyLion has repeatedly violated FCRA, TLA, and MLA. 

MoneyLion requires payment for subscription service with misleading advertisement and will not allow cancellation unless account is paid in full. Moneylion also charges above allowable interest rate to service members and dependents. 

Because of these violations I was trapped in a debt cycle with MoneyLion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I am writing to bring to your urgent attention the ongoing issues with several disputed accounts on my credit report. Despite my previous communications and requests for a thorough investigation into these inaccuracies, I have yet to receive a satisfactory resolution. The presence of these erroneous accounts is causing significant harm to my credit file, which in turn is severely affecting my daily life and financial stability. 

The negative impact of these inaccuracies can not be overstated ; they are hindering my ability to access essential financial services and are creating undue hardship. Therefore, I respectfully request that you conduct a comprehensive investigation into each of these disputed accounts. It is crucial that these errors are corrected promptly to reflect an accurate and fair representation of my credit history. 

I kindly urge you to prioritize this matter and take the necessary steps to rectify my credit report without further delay. Restoring the accuracy and integrity of my credit file is vital for me to regain control over my financial well-being. Your prompt action and support in resolving this issue would be greatly appreciated. 

Thank you for your understanding and assistance in this critical matter.
Product: Money transfer, virtual currency, or money service

XXXX $ was sent to me via PayPal on XX/XX/XXXX and PayPal is refusing to to put it in my account. They have no reason or right to withhold my money from me. It's money I earned and paypal just wants to spout the same rehearsed line and pass the buck. They just keeps saying that I need to check with the person that sent it or My information was not correct. I have seen personally, where the money was sent to and everything is correct. When I try to speak to a manager or someone above the customer service rep they end the chat or call.It should have gone directly into my PayPal yet they will not give me my money nor will they tell me why they are withholding it. Mean time I am stranded without gas or food due to this.ite obvious because I am just one person they these big companies don't care and like to push people like me around and I'm tired of it. Just because I have to use your service, I didn't have an option to get paid. This was the only way and now it's going to be dangled just out of reach. I'll try telling my XXXX XXXX  children that I have to check with whoever sent it. Maybe that will quill their growling tummies. Thanks PayPal. XXXX. I would not recommend them to anyone and the fact the person paying me wouldn't do it any other way makes me think their is something even bigger and sketchier going on here. I hope something will be done. I'm so tired of being pushed around by these companies. I'm just trying to survive I really don't need some one messing with my little bit of money for some sick enjoyment.
Product: Student loan

I attended the XXXX XXXX of XXXX from XX/XX/XXXX to XX/XX/XXXX after I was fired from my job with XXXX telephone for being unable to work, although the accident happened on the job. I am XXXX but able to do some work if it is on a schedule I can handle. A lifelong interest in the arts caused me to think I could pick up enough solo projects that it would be worth my time to get a degree and knowledge to do so. My first year and a half went fine. They allowed the loans I needed to pay for school. As my condition worsened, my finances tightened more and the school demanded that I get a co-signer for the last quarter 's loan. My father agreed to sign that loan and that loan only. After school, I was unable to get and complete enough jobs to live and pay for the loans. My father paid back the one he helped with but he realized he had paid back far more than the amount he signed for. With some checking and the hateful people from XXXX XXXX, we were able to determine that his name had appeared as co-signer on all the loans, although neither he nor I had approved that. His credit is now ruined and he is barely surviving. Please tell me what I can do about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX to remove all of my debt on my credit. Walmart, XXXX and many more are wrong on my credit. I have proof that I paid ALL companies showing up on my credit report some still show open when paid off and some show collected settled. They all should be paid in full no latefees asa agreed. How do I get them ti fix my credit? I paid all the items as a result of fraud and they didnt want to work with me on that either! I feel like I need a new Social Security Number. Its Horrible I pay all my bills and things I dont owe! I have medical bills poping up from a state I use to live and I had insurance, this isnt mine to pay.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  : Account Number : XXXX : Balance : - {$8200.00} Account Name : XXXX : Account Number : XXXX : Balance : - {$2000.00} Account Name : XXXX : Account Number : XXXX : Balance : - {$1100.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX : Balance : {$0.00} Account Name : ( XXXX Original Creditor ) : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Money transfer, virtual currency, or money service

I am a victim of fraudulent charges, unauthorized by me, to recipients that I personally know. Because of that, banks have denied my claims and I am stuck on a wild goose chase between my banking account and it's partner, XXXX, to receive my funds. It has proven to be in vain for I am now denied a claim and any sort of compensation. This all began on the XXXX of XXXX in 2023. {$4000.00} split in XXXX and sent to XXXX of my friends. They immediately sent it back to my account, but it was as if the money disappeared into thin air. Their transaction got approved by XXXX, but it didn't show up in my account. 

I have made several calls with Chase, my bank, to which they have all been kind but largely unhelpful. I had even scheduled a visit with the bank to change my User ID and my password to prevent this fraud to happen again on my account. 

I knew that my account was compromised the moment I tried to verify my information on call with an employee. They gave me security questions that I was not able to answer, and as a result, I was not able to get into my account. That was when I had to go to a Chase bank directly. 

The bank told me that they did not have a " XXXX XXXX '' department and that they were unable to help me, so I am unsure of what to do and how to gain compensation back. Bank tellers have tried to assure me and say that I will receive the money, even if it is by credit and not from the scammer, but I do not have trust in those words after what has been said to me during these last few weeks. I feel hopeless.
Product: Debt collection

I have no recollection of Said Debt with Cars Financial and would like to have this Debt removed immediately from my credit file Cars Financial amount XXXX
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent. 


On XX/XX/2023 you received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Please update this account and transaction from my consumer reports : Never Late ( PAANL ) : 1 ) XXXX ( Account Number XXXX ) - XX/XX/2023, Your truly XXXX XXXX
Product: Credit reporting

XXXX XXXX was once deleted on all three credit reports ( experian, XXXX & XXXX ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!