23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a Parental Loan in my father 's name, but I make the payments and have been authorized on the account multiple times.On XX/XX/XXXX my loan balance was {$2200.00}, on that day I made a payment to Ed Financial in the amount of {$2200.00} which should have paid the loan in full. This is the only payment I have made since XXXX. In XXXX I got an email from Ed Financial saying my account had moved to their new billing service, my account number changed and I needed to create a new account in their new system. I didn't understand why I needed to create a new account when my account had been paid in full, but I logged in to the new account. the new account showed a balance of {$2200.00} with no payment history. I still had the ability to log into their old billing system with my previous account and saw that there was a payment received by Ed Financial in the amount of {$2200.00} dated XX/XX/XXXX. I have no account of a payment made on XX/XX/XXXX in my bank history. But my bank statement does show a payment made on XX/XX/XXXX. I called Ed Financial on XX/XX/XXXX to inquire about the payment and was told that it could take up to 6 weeks for the payment to post and to check back in two weeks. On XX/XX/XXXX I checked again and the payment has not posted. I emailed Ed Financial with the same inquiry and was told it could take 2-3 business days for a response. On XX/XX/XXXX I had not received an email response so I called again. Each time I call they ask me to put XXXX on the line for authorization even though the forms have been filled out multiple times to authorize me on the account. I was authorized and the agent put me on hold to research my account. I was on hold for XXXX minutes and then the call disconnected. I called again and was again asked to have XXXX authorize me to be able to speak to the agent even though I had been authorized less than XXXX hours earlier. XXXX was able to authorize my account and the agent again put me on hold. When she came back from the hold she said their system was not showing a payment and I could provide proof of payment and they would research it on their end. The process could take 45-90 days and in that time I would be expected to make regular payments. I provided the documentation I have, but with their system changing the date of my payment I can only imagine the response will be the same.
Product: Money transfer, virtual currency, or money service

XXXX XXXX sent a text from XXXX ( XXXX ) XXXX regarding my resume found on XXXX. The position was for a REMOTE Data XXXX XXXX role with a company Called XXXX XXXX XXXX In the text, was instructed to download an app called XXXX and input the code from text. I followed the directions and was connected to XXXX XXXX. After a series of questions, I was informed of hire and the job offer, XXXX, XXXX, and Code of Conduct acknowledgement would be emailed to me for completion. I was told to check-in tomorrow at XXXX. I followed the instructions and the next day I was brief on how to mobile deposit a emailed check into my bank account. The funds were to be used for equipment needed for job. I followed the details and was informed to check-in tomorrow at XXXX. Upon check-in, I was asked for a status on funds. I informed him that only a portion of the funds were made available ( {$2500.00} of the {$4700.00} ). He instructed me to transfer or load {$2000.00} into XXXX. I immediately contacted the bank XXXX XXXX XXXX, who advised the funds haven't cleared the account and it's possibly was a fraudulen/counterfeit transaction. I messaged him a decline to utilize the funds before it cleared. The next day the available portion of the mobile deposit was no longer displayed. I contacted XXXX from the XXXX department, who informed me of the mobile deposit was being returned as counterfeit. I was instructed to close account due to it being compromised. This company now possesses my bank account information, address, email account, phone number, social security number, and signature.
Product: Payday loan, title loan, or personal loan

I am writing on behalf of my father who does not speak English. He was tricked into filling his information on this site that made it look like a loan application that he expected to follow the natural approval process followed by disclosure of rates etc. There was no declaration on interest rate or anything, not even a declaration that money will automatically be deposited. After he hit apply, he did not get any email of agreement or approval. He later found out more than a month after that this site withdrew {$380.00} from his account twice within a month. He was not aware that they deposited {$600.00} without any notification and started withdrawing money as payments. The APR rate they are charging him is 863.95 % which was never ever disclosed anywhere in the application process. This site is clearly a scam that is deceiving people and they are now sending collection notices as we stopped bank payments and asked the company to clear this loan but they are not co-operating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax proof of the true debt that I owed to XXXX XXXXXXXX XXXX ordered by the Court of Magistrate of XXXX Georgia XXXX County I also sent them a copy of the certified check stub from XXXX XXXXXXXX XXXX XXXX and the amount of {$1100.00} which is stated on the court order I've disputed this multiple times the amount that reported by professional debt mediation is incorrect on behalf of XXXX XXXXXXXX XXXX I should have been deleted from my credit report because I paid it and have shown proof
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion Credit Report XX/XX/year> and noticed some things are incomplete and not accurate. and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

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.
Product: Debt collection

The company tried to collect a debt that did not belong to me. After having no other options I paid it off to get them to stop harassing me and destroying my credit in a deal to delete the information off my account. They did n't do this, and I still paid them the money. I 've sent dozens of disputes trying to resolve this but they fight harder to keep the information on my credit than they did even trying to collect it. I have verification of the original purchased debt showing it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit files, it appears there is a collection from XXXX services which i have not acknowledge of. I believe the information is false due to the fact i have never associate with XXXX, my phone bill and internet are with XXXX  services.
Product: Credit card or prepaid card

Someone opened my card fraudulent and accessed the atm For Withdrawal fraudulent
Product: Credit card or prepaid card

I purchased a {$300.00} Vanilla Visa gift card at XXXX on XXXX. I made 3 purchases : XXXX to XXXX XXXX for {$28.00} XXXX to XXXX XXXX 's for {$26.00} XXXX at XXXX XXXX for {$6.00}. 
I went to use the card in the first week of XXXX. It was at this time that I realized the remaining {$230.00} was used fraudulently. I immediately contacted Vanilla Visa, followed their steps and filed a dispute form on XX/XX/2022. I researched all of the transactions and provided them with detailed information of where/when/amount that my card was fraudulently used. I was able to recover {$9.00} of the {$230.00} from one vendor. I received a confirmation email on XXXX XXXX XXXX that my dispute ( I can provide the case number later if you need it ) was received and to allow 90 days for their review/decision. Once the 90 days was up ( XXXX ), I repeatedly contacted the Vanilla Visa customer number at XXXX. I was always getting the answer of " call back in 24-72 hours and we will have a decision ''. This never was the case. After many, many calls to them, I finally received this answer on XXXX from them : The Payments Network allows recovery efforts to be submitted within 60 days of the date the transaction cleared the account. Your claim is outside of this timeframe. Unfortunately we have no rights of recovery. At this time, this dispute has been closed. 

Today, I received a new Vanilla Visa gift card in the amount of {$9.00} ( for the charges I got recovered ). I have not activated yet, nor do I plan to until I get a resolution on the remaining {$220.00}. 

Please advise on how you can help me. 

Thank you.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report transunion advised me after calling them that my file was mixed in with someones elses. They gave me a report number XXXX and said they would removed all inquires and the XXXX account immediately. To date it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The identity theft inquiries still on my credit report. XXXX has 2 XXXX XXXX XXXX XXXX. XXXX. Trans union take off XXXX XXXX. XXXX  told me it would take 90 days or less its passed that. Still on my report. Transunion for no reason removed good standing auto loan. It is less than 7 years. No reason it went off. Why? Its not identity theft or fraud. Put it back.Take off inquiry from XXXX XXXX I never made this inquiry ether. I called XXXX about this auto loan taking off. 
Bank told me its trans union. 
We report to all credit reports. 
If it goes off its trans union fault!
Product: Credit reporting or other personal consumer reports

Credit inquires that I did not authorized XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to my mortgage loan officer who I refinanced my home through about a year ago and I begin to start to process of purchasing a second home. She reviewed my credit with me and I noticed several accounts on there that are not mine. First there is a Bankruptcy on there. I reached out to the Bankruptcy court here in Ga and they was not able to locate a Bankruptcy under my social so that needs to be taken off immediately. There were several other accounts as well XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, US DEP ED. There were also several inquiries that I know nothing about XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX. I have reached out and filed a compliant with the FTC and reach out to the police here. I am doing this on my own and need some help with this situation.
Product: Debt collection

After a repeated string of calls over the past few months, especially since COVID. on XX/XX/2020 GreenSky decided to call me 6 times in 4 hours, once 10 minutes apart at XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

I understand this is a debt I owe and plan on paying when I can get back on my feet, repeated calls aren't the answer and won't get me to pay sooner.
Product: Checking or savings account

As far as I know the issue is happening because I deposited a check that was fake which I didnt know was a fake check as someone was trying to scam me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act ( XXXX XXXX  ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) Has Violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A.

Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

on XX/XX/XXXX I reported fraudulent charges to my Citicards credit card account from XXXX which showed up on my account in the following charges : XX/XX/XXXX XXXX for {$1.00} XX/XX/XXXX XXXX for {$39.00} The citibank representative closed the account as a stolen credit card and reissued a new card however, Citibank transferred these charges to the new account. 
I have called the company and spoken with representative from customer service-fraud departments-security departments and collections departments, communicated through Citibank 's chat service with representatives, sent a letter certified/return receipt with evidence of the communications and that the charges were fraudulent as shown by XXXX only to have Citibank refuse to take the charges off, tried faxing the information over 7 times to a fax number given by Citibank which does not go through ; Citibank is assessing late fees and interest on these fraudulent charges and sent delinquent status to the credit bureaus. I have documentation of all of my efforts to correct this with Citibank. 

This has been going on since XX/XX/XXXX and Citibank refuses to correct it and is harming my credit report and rating even though they have a 100 % fraud guarantee that the consumer does not pay fraudulent charges or interest and penalties. I reported the charges the day they came through on the account and Citibank refuses to correct it. I contacted XXXX and had them investigate this charge which they found was indeed fraudulent and was made on a credit card number which had already been closed by Citibank at the time the perpetrator entered it on XX/XX/XXXX. So, Citibank allowed a fraudulent charge to go through on a closed account from the start. XXXX refunded Citibank for the charges made and gave me the account, address and IP address of the perpetrator and still Citibank refuses to clear the late charges and fees. The only balance on this card account is the late fees and interest which Citibank is charging on a fraudulent charge which was reported to them back in XX/XX/XXXX. 

I have tried every avenue possible to contact Citibank who refuses to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a disputed with Checkr.com at XXXX. I submitted document supporting my dispute. 
Unlawful detainer was cancelled by property. Copies of court orders ( sheriff stamped cancelled in lower right corner ) notice of satisfaction, and letter from property stated I was never Evicted. Please remove eviction form my rental history. 

DISMISSED/TERMINATED FILING DATE XX/XX/XXXX COURT XXXX XXXX, XXXX XXXX JUDGEMENT AMOUNT NOTICE TYPE LANDLORD/TENANT DISPOSITION*DISMISSED/TERMINATED XX/XX/XXXX Checkr respond via email at XXXX CC ( Checkr ) XX/XX/XXXX, XXXX PDT Hi, Thanks for reaching out! Checkr is simply reporting that a civil judgment was filed NOT that you were evicted. If you still believe that something is inaccurate on your report please reply to this email explicitly stating what is inaccurate and why. 

Checkr listed two civil judgments under eviction history with unpaid balances. No balance is on the judgments and both are judgments are dismissed. Checkr did not update the report
Product: Credit card

The following is additional information that I did not include in my earlier complaint. Booked a hotel through American Express XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX, XXXX for XXXX XXXX XXXX. My flight was cancelled and I reached out to American Express XXXX XXXX XXXX asking them to contact the hotel to change my reservation and the customer care agent did reach out to the hotel and told me that the hotel would " not budge '' on allowing me to make any changes to the reservation. As a result, I cancelled my trip and have been trying to get a refund from American Express. and filed a previous complaint. In AmEx 's response to the CFPB stated that the hotel offered me the option of checking in a day later ( XX/XX/XXXX ). That is not what the AmEx agent relayed to me when I called American Express Platinum Travel on XX/XX/XXXX. The agent told me that the hotel " would not budge '' on letting me make the change. In trying to get refunded. I reached out to the hotel directly and was told that since my reservation is not paid directly to the hotel, but from a third party ( in this case American Express Platinum Travel Service ), that they recommend that I reach out directly to AmEx for a full or partial refund. I have done so and been denied. I am attaching said email from the hotel indicating that this issue should be resolved with American Express. I have been an American Express cardholder for 34 year and XXXX of those years have been as a Platinum cardholder.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Tuesday Experien Response on XX/XX/2023 via CFPB as follow : This complaint lists someone the company does not recognize or their customers authorized representative Complaint ID : XXXX. 

My request to Experien in this new CFPB complaint to determine ( A ) a possible fraudulent case by an unidentified party against me during the litigation process conducted by 3rd party debt collector, XXXX & authorized by 2 major banks in USA. 
( B ) Mistaken Identify with someone else with exact same name as me but different social security no as Experien reported in my credit reportmy item XXXX of XXXX, in my previous complaint against Experience several weeks ago. ( C ) Something Else not yet determined. 

Once again, I am requesting a written details from Experience so that I can have sufficient information to determine ( A ) Case of Fraud against me ( B ) Mistaken Identify with someone else with exact same name as me but erroneously reported social security no. ( C ) Something else not yet identified. 
Upon receiving additional details of unrecognized party from Experien, I will investigate further as necessary to correct my credit report as reported by Experien. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX " XXXX XXXX account was opened under a different social security. '' XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount 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: Credit card

I have Synchrony Bank credit card which is offered by Venmo. My due date is always the XXXX of the month. On XX/XX/ I made a payment amount of {$8200.00} ( balance of my last statement ) much earlier than due date to bring up my available credit and continue to make purchases with my card. Usually, it takes two days for the payment to be posted. So, today on XXXX, I checked the account and of course the payment was posted and the balance was decreased accordingly. However, the available credit was not increased at all. This has never happened to me. So, I called the customer service and they said that I had to wait for two weeks ( till XXXX  ) before I could see the available increase in my credit card as that's their policy when large payments are made on an account. Well, it's not my first time I am making payments like this. My credit limit on this card is {$15000.00}. So, an {$8000.00} payment is not that significant. I have never missed a payment on this card and never had a late payment on it. If I was aware of this policy I would have not made an early payment and I could still use my funds. Why I was not getting a prompt when I made the payment that the available credit would not be there for two weeks. And their customer service didn't offer anything other than saying " that's our policy ''.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX Trans Union and XXXX immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a number of certified letters disputing items on my credit report that are showing negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX  has my addresses correct and most of my older accounts, but XXXX and Equifax and XXXX do not. If XXXX could share these records with the other bureaus my information would be more correct.