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

I have a problem with my XXXX XXXX credit card issued by XXXX XXXX. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have been XXXX XXXX  on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via XXXX XXXX payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account XXXX XXXX XXXX From account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only 30-days past due. This is another red flag that something is wrong with XXXX XXXX credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that XXXX XXXX has a motivation to make customer accounts delinquent and report false information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX, Acct Number XXXX XXXX XXXX, Acct Number XXXX XXXX  XXXX, Acct Number XXXX XXXX XXXX XXXX Acct Number XXXXXXXX XXXX XXXX Acct Number XXXX Please delete the following inquires : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/year>
Product: Checking or savings account

My checking account was charged with fraud by a company named MoneyLion on 3 separate occasions. 

XX/XX/2021 : XXXX XXXX XXXX  MONELYLION XXXX XXXX XXXX XXXX for {$44.00} XXXX XXXX XXXX  MONEYLION XXXX XXXX XXXX XXXXXXXX for {$9.00} The exact same charges occurred on XX/XX/2021 and XX/XX/2021. 

I've called the company and sat on hold for 2 hours only to be cut off right when I was supposed to speak with a customer service rep. 

I emailed them stating fraud was charged and they responded asking me this : Dear XXXX, Thank you for your reaching out to MoneyLion Customer Care. It looks like youre contacting us to get more information about the unknown charges on your account. We understand your concern about providing me your information, especially without having an account with us, and you want immediate access to your funds. We ask for this to help us locate the MoneyLion account to which the fees were applied. We need the following to help resolve this for you. 

Your Full name ( first and last ) Financial Institution name where the charge occurred The last 4 of the debit card charged Last 4 of the bank account number charged Date of charges Amount of charges : three {$44.00}, three {$9.00} Last 4 of your SSN Email address to contact you Your phone number Our Risk Team will review the information you provided. There is no need to contact us any further regarding the transaction. You will need to contact the bank from which these funds were taken and file a Transaction Dispute. We will work with that bank to resolve this matter as quickly as possible. 

Should you have any other questions or require further assistance, please visit our help.moneylion.com site for more information about MoneyLion and our products! OR reach us out at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Sincerely, MoneyLion Customer Care Specialist
Product: Credit card or prepaid card

This is being filed after having a verbal conversation with Discover and realizing clarification may be needed to resolve this issue. More specifically, what I am disputing and what questions I am hoping for Discover to answer.

I previously filed a dispute concerning Discover lowering my credit limit from {$16000.00} to {$3300.00}, which directly caused my credit score to decline ( Most Credit scoring formulas use a credit to ratio or debt to credit available as approx. 30 % of the scoring ) As a direct result costing me thousands of dollars. Now Discover may claim I can simply pay off the remaining balance. However I can not control when that information would be updated on my credit file. This is only something Discover can control and it is very simple for Discover to deliberately time and possibly update mid-cycle to cause me more damages.

I am asking for Discover to provide me with the specific reasons for lowering my credit limit. Currently what Discover provided is a generalized statement which does NOT provide specifics.

I am asking for The credit bureau Discover used to make their decision I am also asking for the date Discover pulled my credit which provided the information used to lower my credit limit.

Discover uses their own internal formula when providing credit limits to applicants, I am requesting the table they use when establishing Credit Limits and I want Discover to know if they refuse to provide that information I will continue to request it through a FOIA and if that does not get me this information I will subpoena it. I need to rule out whether Discover acted fairly or in some way discriminated against me or possible retaliated against me due to complaints and lawsuits I have filed against other banks.

NOTE : I am aware as a matter of fact, of a platform Banks use to share information and retaliate against consumers. ( This information comes from a family member who has worked in the banking business for over 22 years and has the highest possible security clearance ) Without the requested information, it is impossible to determine if the information Discover used was accurate or inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon looking at my Equifax credit file, I learned that an account which was deleted off has reappeared. When equifax update my report, by correcting my name, they added the collection account from XXXX back on. This account was deleted by the company. Secondly I never received any notification that this account was being put back on. I quite sure this is just an error on their behalf but I would like this to be rectified immediately. Also I have proof of the deletion that I will attach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting erroneous accounts on my Experian report. For some reason they are reporting these accounts even though I had asked them to remove it before but they are refusing.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX  XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am victim of identity theft and attached below is my FTC identity theft report. i fully authorize this notice and compliance. i have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL INQUIRIES PLEASE LOOK AT ATTACHED DOCUMENTS FOR PROPER INSTRUCTIONS THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan XXXX is not accepting my bankruptcy for student loans for XXXX XXXX  The school is no longer open and I can not get my college transcript
Product: Payday loan, title loan, or personal loan

Hello, I got a personal loan from LendingClub on XX/XX/2020. The loan amount was {$30000.00}. However, they did not credit me {$6000.00} into my account. They asked me to credit this money to one of my existing account. The XXXX XXXX account was over there and I thought it was related to my car loan account XXXX XXXX XXXX XXXX. But it was not. I gave my car loan account number and the money did not go there. I contacted the LendingClub and XXXX XXXX couple of times with phone and e-mail. They promised me but they did not solve my problem. I am still paying LendingClub {$1000.00} dollars every month with automatic payments. However, I could not get my {$6000.00} dollars from either company. Could you please help me with this issue? 

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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I5 USC 1681. XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 reposting 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 reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

i've been asking for evidence of these inquiries since last year i notified the FTC of this issue
Product: Debt collection

XX/XX/2020 - Absolute Credit LLC reported a medical collection account to my XXXX  credit file. 

XX/XX/2020 - I sent them a certified letter asking Absolute Credit LLC  to validate the debt. 

XX/XX/2020 - The letter was received by their office. USPS receipt attached. 

XX/XX/2020 - Absolute Credit LLC did not respond to my validation request within the allotted 30 days. I sent a day 31 follow up letter to them as soon as I had not received a response. 

XX/XX/2020 - Absolute Credit LLC responded to me with a letter dated XX/XX/2020. Sent my sensitive and personal information ( when they did try to validate ) via regular mail. Included my identification - social security number, a photo of my license, details of my medical bill and insurance info. 

-In my first letter to Absolute Credit LLC , I requested that they send me the HIPAA authorization from the health care provider, giving ABSOLUTE CREDIT LLC the authority to collect this debt. They did not send a HIPAA authorization from the original healthcare provider. 

-They are reporting to XXXX  as the " original creditor ''.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. 2016 CFPB Re : Complaint Number XXXX Ladies/Gentlemen : I have received your letter of XXXX 2016, informing me that the collection agency XXXX is discontinuing its collection efforts, as they are required to in disputed cases. 

I have also received another collection notice, this time from RPM collection agency ( Receivables Performance Management, XXXX. XXXX, XXXX WA XXXX ) telling me that I owe {$100.00}, please pay, etc. The XXXX account ( XXXX ) is the same in both cases ; the XXXX Collection department has not responded to the CPFB notice, apparently. 

In my email to you of XXXX stating the details of this case I listed five separate contacts we had with the XXXX Customer Service personnel ; each time we were told " Do n't worry, the account balance is XXXX, there was a system glitch. '' ; but each time there was another bill from XXXX for the same discontinued service. This has now gone on for 14 months, and still continues. 

It is a simple matter for XXXX to verify that there has been no activity on the lines in question since the original service cancellation, they have usage statistics for all digital lines ; thus, there is no basis for these continuing debt claims, and the XXXX Customer Service people seem to be aware of this. It should be quite clear that there was an accounting error. 

The fact that the XXXX Collection department keeps repeating this claim, evidently in hopes that I will simply give up and pay, just to avoid further nuisance, amounts to harassment. Is this really so hard to get resolved? Is this not what the CFPB was created to deal with? Please try once more to get this stopped, for good. 

Thanks, XXXX XXXX. 

.
Product: Credit reporting or other personal consumer reports

Experian has filed to properly investigate my disputes for the following accounts that have been fraudulently opened. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not have any knowledge of an account under my name or my social security number as of XX/XX/2024, XXXX XXXX XXXX XXXX XXXX Ive submitted my police report, federal trade commission affidavit & multiple disputes asking for a proper investigation & the method of verification. FCRA states the burden for a proper investigation lies with Experian. This is my LAST request as I will be taking legal action after this.
Product: Checking or savings account

In XX/XX/2020 I sent {$240.00} to my mother through the XXXX app attached to my Ally bank account. In my end I am receiving a confirmation that the transfer was successfully sent. The money is out of my account and shows as a completed transfer. On the receivers end, my mother reached out to her bank XXXX XXXX that also has an embedded XXXX app. She never received the funds. She was told the transfer was NOT completed. She has not received the {$240.00} that was supposed to be transferred within minutes. It is now over 10 days later. It was supposed to be an instant transfer through XXXX within a few minutes. My bank Ally bank is saying the transfer completed. XXXX XXXX bank is saying the transfer cancelled and were returned to my bank. XXXX is saying that they are not responsible and that both of us should call our banks. Luckily this is a mother and daughter team. We have been able to call both Ally bank and XXXX XXXX banks together and hear both sides of the story. We have called XXXX several times and were offered no assistance. We are merely the customers. We do not have the ability to trace the funds and the banks and XXXX are not being forthcoming. The banks should be doing the legwork, not the customer. We have done everything in our powers and need assistance from another source. The companies refuse to resolve the problem or speak with eachother. I have had {$240.00} literally stolen from me by none other than the FDIC- insured bank that promised to protect my funds. My mother willfully loaned me money that I am left unable to repay until these funds are returned to my bank account. The XXXX transaction number involved is XXXX. 

I called back in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and the problem is still not resolved. 

Companies involved. 
Ally bank XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In  XXXX , I closed a mortgage with   XXXX   XXXX   XXXX   XXXX  . An additional {$5000.00} was transfered from  XXXX  to first American title company in escrow in a hold back status for a solar hot water heater improvement project. The project was never completed due to deployments. I recently contacted first American title to have the funds released since I now need to replace my hot water heater. They claim that they escheated the money back to usaa in  XXXX . They only supporting documents to back this up is an escheating report showing {$5000.00} and a bulk wire transfer of $  XXXX  to the unclaimed funds department of texas. I have been in contact with the title company, every department of  XXXX , all three mortgage management companies involved with my mortgage and  Noone  is able to locate these funds and release them to me. It has been 3 weeks without hot water in my home and I am at the end of my rope. I have been paying on the adjusted mortgage total that includes the {$5000.00} since  XXXX .
Product: Credit reporting or other personal consumer reports

I would love for you to please verify this incorrect information on my credit report and if so, delete it! 

inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX Account I don't recognize : XXXX Account # XXXX Balance : {$600.00} Date XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2800.00} Date XXXX XXXX XXXX  Account # : XXXX Balance : {$13000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$600.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance : {$110.00} Date Opened : XX/XX/XXXX
Product: Checking or savings account

The is the second time that Chase has automatically sent an ACH from my account when the auto XXXX has not been activated. Chase sent an ACH without my consent or permission AGAIN. I made a manual ACH payment on XX/XX/2023 and today, XX/XX/2023, I received a notification that my account has been overdrawn due to Chase sending an automatic ACH for the same transaction. Again, auto ACH is turned off and has not been activated. I manually sent the XXXX. 

Since this has happened before, I reached out to XXXX from the Executive Office at Chase who assisted me previously. This appears to be a recurring issue in Chases system. Regardless it is an issue in Chases system and wholly created by Chase. Due to Chases actions my account is overdrawn by {$4400.00}. Clearly, when Chase represented to me that this issue had been resolved it had not and they were misrepresenting the status of the issue. 

I am unable to conduct business on the account I need the resolved expeditiously and completely. I need the funds returns by end of business on XX/XX/2023.
Product: Debt collection

On XX/XX/2018 at XXXX we received a call ( XXXX ) with a message for an XXXX XXXX XXXX to contact Northstar Location ( XXXX ). I called the number and spoke to an operator ( XXXX XXXX ). I stated to him that we have received this call multiple times and are trying to get the calls to stop. I explained that the message from the call gives the option to connect to the operator but when the option is pressed the call hangs up. He stated that he will " investigate '' this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to inform you of the Bankruptcy inaccuracies, HIPPA Violations, inaccuracies, errors, and Violations on my consumer report. I mailed the letters to the Bureaus ( transunion, equifax, experian ) on XX/XX/XXXX, 2021/XX/XX/XXXX, 2021/XX/XX/XXXX, 2021 and I have not received any response to this matter from XX/XX/XXXX, Transunion nor XX/XX/XXXX. They havent responded nor input a Notice of Dispute within the 30 day time frame. Please assist in getting this matter resolve because they have not replied within 30 days. As a result, thats a violation. Thats protection under the FCRA Section 623 and that {$1000.00} fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i called XXXX XXXX to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call XXXX XXXX there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since XXXX took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.