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

I've been dealing with TransUnion since XXXX of 2019. They have failed to report to the credit bureau since XXXX of 2019. I had a bankruptcy that was discharged in XXXX of 2019, and because they fail to notify/report anything after XXXX of 2019 my account shows as having delinquent payments instead of showing the up to date, correct info which is that I had a bankruptcy and the accounts in question were placed in the bankruptcy. XXXX and XXXX have both reported it to the credit bureau and it reflects in my scores, but TransUnion has REFUSED!!!!! to report it I REPEAT REFUSED!!! to report it to the credit bureau they haven't reported anything since XXXX of 2019!!!! That's XXXX yrs of me dealing with them not reporting the right information ... threaten them with fines or whatever you need to do because they are messing with my life and it's NOT ACCEPTABLE!!
Product: Credit reporting or other personal consumer reports

Navient reported to my credit bureaus a late-payment during the Presidents " On-Ramp '' program timetable. I have paid off the loan in full once they did that, but the reporting of missed payments has significantly impacted my credits. I filed disputes with the credit bureaus, but that did nothing.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX my employer has sent {$120.00} through XXXX XXXX using my email address. 
XXXX supposes to be credited to my personal account with Bank of America. Unfortunately, I was never notified that the transfer had happened, and when I 've checked the money had not arrived. At first, I 've emailed to my employer to find out why did n't I receive that sum. In response, my employer provided me with confirmation of the transfer. I called my Bank asking where is money, but they said that XXXX needs to file up a claim to find out what happened. XXXX filed up the claim with Bank of America and discovered that my money went to the different account with my email address, meaning someone else who has an account with Bank of America registered my email address and the money was accepted by that account holder. I am disappointed because the service was not performed correctly and on the top of everything someone registered and used my personal data. In this obvious fraudulent case, Bank of America cited privacy/data protection laws and refused to tell me how was that account holder, who accepted my money. As a result, I could n't ask him/her for what 's truly mine. 

Then I 've sent an email to the Senior Claim Analyst at Bank of America asking to solve this problem, but the lady mailed me back saying that I need to contact initiating financial institution and so on ... Until now this problem is unsolved and Bank of America does n't seem to care. 


I look forward to your reply and hopefully a resolution of my problem.
Product: Checking or savings account

On XX/XX/2020 Money Lion INC did in writing acknowledge its behavior in XXXX Complaint # XXXX involving Money Lion INC for unauthorized transactions debit from checking acct ending XXXX. All 3 credit bureaus were notified of cease reporting of Money Lion Inc on my report while in litigation. Remove and delete MoneyLion inc from my credit report. On XX/XX/2020 legal representatives sent certified mail correspondence awaiting reply from Money Lion who as of today still has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute letter addressed to the Credit Bureaus, requesting the removal of unfamiliar accounts that are currently being reported on my Credit File. I strongly believe that these accounts are a result of fraudulent activity, and I urged the Credit Bureaus to promptly conduct an investigation and remove the disputed accounts from my Credit File. According to my understanding of the FCRA Section 605b, it is a legal requirement for Credit Reporting Agencies to eliminate any accounts and information that are a result of fraudulent activities. I am submitting this Complaint today as a follow-up to my previous Complaint. Once again, I request the immediate removal of the following accounts from my Credit File : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX A XX/XX/XXXX XXXX If, during the Credit Bureaus ' investigation, it is determined that I am the legal owner of these accounts, I kindly request that copies of supporting documents, bearing my signature, be provided to me. However, if such documents can not be provided, I greatly appreciate the prompt removal of the disputed accounts.
Product: Debt collection

XX/XX/2018 amount owed {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting inaccurate unverified information on both of my businesses and wont provide me with any details
Product: Debt collection

Got more calls from Synchrony Bank - they left message from XXXX and said Synchrony Bank re Old Navy and to return the call. I called them back and told them I was reporting them to the FBI and to stop calling me and harassing me. I filed a complaint against them yesterday # XXXX. They keep calling me from 3-5 times a day starting at XXXX XXXX until XXXX XXXX. This is the first time they left a message and to call XXXX.
Product: Credit card or prepaid card

The company told me report with credit bureau Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is in violation of USC 15 1681 ( a ) ( 2 ) ( i ) which states that a consumer credit report doesnt include information solely as to transactions or experiences between the consumer and the person making the report.
Product: Student loan

Experian is reporting inaccurate data on my credit report, stating that I was late XXXX, XXXX and XXXX of XXXX. I was not late, for the year of XXXX and the credit bureau is reporting that my accounts is saying ok, ok, ok starting from XXXX all the way up until XXXX, but XXXX, XXXX, and XXXX it states 90 days late 120 days late and 120 days late, what happened to XXXX and 60 days late if I was really late. I was in a repayment plan. I signed up to renew my repayment plan in XX/XX/XXXX which covered the entire year of XXXX. After speaking to someone about this issue, no one has been able to provide me any documented proof about these so called late payments. Therefore, remove these late payments immediately or there will be a lawsuit against the credit bureaus for fraud. They even defraud my information listed on these accounts by not showing all the information from XXXX and up, like they did from previous documents that they sent me. They make it appear that those late payments started in XXXX, but and are claiming that they don't have any information from XXXX to XXXX.
Product: Checking or savings account

Hi, I hope this message finds you well.

I am writing to inform you that I am expecting a check from a client, but I have not received it yet. The client provided me with documentation showing the address and bank account details where the check was cashed by someone else. This suggests that the check may have been fraudulently taken and deposited into another account.

I wanted to bring this matter to your attention for further investigation.

Thank you for your assistance. 

Best regards, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I traveled to XXXX and accessed my XXXX account but was unaware that XXXX is not a supported country. It's ok that the account was locked at that time, but upon returning to XXXX XXXX, XXXX  XXXX, my account is still locked and support has not helped at all. I can not get through, I receive automated messages, and I need my account unlocked ASAP.
Product: Credit card

XXXX reported my Shell credit card account as being over the credit limit. The only reason that the account was allegedly {$4.00} over the credit limit was because of a fee THEY assessed. My charges on the account did not bring the balance to or over the limit. I do not recall any conditions either under the credit agreement, nor under Federal law which will permit a creditor to report my account as being over limit solely due to a fee or charge which THEY added to the account without my knowledge or approval.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I took a loan with AF247, also known as XXXX XXXX, XXXX dba Advance Financial 24/7. original loan was taken on XX/XX/XXXX for {$2600.00}. Even though I had made payments amounting to thousands of dollars, the company is now attempting to sue me in court on XX/XX/XXXX ( XXXX XXXX General District Court ). I  tried to settle any past amounts with this company but they refused any payments except the entire balance. Additionally, their interest rate is 360 %, which far exceeds the interest rate legally allowed in the state of Virginia, which I was unaware of when I took out the loan. Because of their rate and the large payments I have made, this company is engaging in fraudulent lending practices with an excessive interest rate. Their attempt to sue is even greater at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently the victim of Identity theft. I requested the at the various Credit Reporting Agencies and furnishes validate accounts that were unknown to me.

XXXX without my authorization took it upon themselves to place a personal fraud statement on my report, and then XXXX sent a notification to both XXXX and Trans Union also without my knowledge and authorization. ( while at the same time not removing the un-validated identity theft accounts from my equifax report. 

XXXX  in response to this request by XXXX placed the following statement on my XX/XX/XXXX report. 

Personal Statement ( s ) 06 & 03-17-18 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

I did not make this statement and do not appreciate experian placing it on my report and exposing my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS
Product: Debt collection

I did not sign, endorse, authorize and or consent to any contract or applications that created any inquiries with the listed corporation, agency and or company. Moreover, I have not applied for, neither received any services or credit with ( " GC Services '' ). I have no accounts and/or contract with ( " GC Services '' ), nor do I wish to contract with you. I do not authorize or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. This includes all file ( s ), contract ( s ) and or information containing the name ( s ) " XXXX XXXX XXXX, including but not limited to addresses, email address, social security number, credit card information, phone numbers, etc. in any variation, spelling or derivative. I do not consent and/or authorize the disclosure, publicizing or revealing of any information pertaining to me to any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which ( " GC Services '' ), is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with ( " GC Services '' ). Further, there being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry be removed from my Consumer Report immediately and a copy of such deletion mailed to me. This is an attempt to correct your records and any information obtained shall be used for that purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my Name Is XXXX XXXX Ima in the process of buying a house .I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with Omni Financial in XX/XX/year>. After arriving in Louisiana, I submitted a request under the Louisiana SCRA Act. However, Omni Financial has denied my request twice. I am currently at a standstill, as they are not honoring the SCRA protections.
Product: Credit reporting or other personal consumer reports

I was informed by representative to continue with previous complaint due to misrepresentations. My previous case number was XXXX. 

XXXX XXXX, XXXX and XXXX, My itemized account was disputed due to misused of information. You stated in your feedback that you are in communication with an attorney ( as requested ) and the itemized statements were directed to only " my attorney ''. I have not yet officially hired an attorney, therefore I do not have an attorney. Please provide the business agreement between you and the company that you stated you sent to an attorney ; pertaining my last 4 digit social, WET INK signature, because I do not recognize coming into agreement with you or gave consent to the original creditor to give out any of my personal information. Provide the documents and please send it with notary to verify authorization and not a computerized letter. Also, state 15 U.S. Code 1692e ( 2 ) ( A ) & 15 U.S Code 1692e ( 3 ) - False or misleading representations. Due to you stating to have sent the document to an attorney whom does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX  # # # # # # XXXX This is not my account. I never had and account with XXXX, This is false information and I would like it removed from my account. I have been trying to get this account removed for XXXX minths now
Product: Debt collection

They have threatened me and I am not sure why, I have told them on several occasions that I will not verify my information due to past identity theft issues. the lady in the pre-legal dept proceeded to cuss me out and threaten me with legal action and jail. I did not verify myself so she hung up on me. I told her unless she can prove I owe this debt then to stop harassing me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number # XXXX, has violated my righs 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 1666b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Debt collection

The balance report is {$3700.00} is which incorrect. The debt is old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize, please delete them
Product: Debt collection

Hi, My name is XXXX XXXX. I have an issue with XXXX credit for {$110.00}. Now they added some fees and interest = {$140.00}. The XXXX system appears with two pages because I have seen the XXXX system has been asking me to add the amount for their credit. It is an amount I did not use. 
Whenever I apply for XXXX money, I pay off tried on time. 

I have concerned about what and why they charged. So, I have contacted XXXX customer service several times about this issue, but the online system did not go through with my issue item. They kept sending me several departments to contact. Also, I spoke with the customer services department about this amount ; they did not see that amount, they did not see that section in my account in their system, and they did not know XXXX was asking for the money to add the credit, though, I took the screenshots. I sent it in the report section, but they ignored it. 
In contrast, XXXX reported this issue to American Ciradius International LLC. Now, XXXX Locks me to my account sections. I couldn't get any information, but Please see the message below that I sent to XXXX. 

Hi, My name is XXXX XXXX. Account # : XXXX. I have an issue with the " {$110.00}. XXXX '' of the transaction on XX/XX/2021, and now adding some fees + interest " {$140.00}. '' The worst thing is that XXXX reported that amount to the Third Party collector office. 
The below information is my detailed transaction on XX/XX/2021. 

XXXX XXXX + {$110.00} XX/XX/XXXX Top Up Loading transaction details for XXXX XXXX + {$110.00} XX/XX/XXXX Top Up Transfer from XXXX XXXX XXXX {$110.00} Transaction ID XXXX Transfer to XXXX balance Can you explain why I have to add my money to XXXX credit? 
If you don't, I will sue XXXX and report XXXX. 
Although I paid {$110.00}, why did XXXX report that amounts to the Third Party collector office accordingly???. Why does XXXX need my money to add in the XXXX credit as shown in my account online as " Add money to resolve your negative balance of {$140.00}. '' I need to get a fair solution. 

Thank you. 

XXXX XXXX. 

XXXX XXXX
Product: Debt collection

Optimum Outcomes has failed to fulfill my request of debt validation with a response that meets federal guidelines on two prior occasions. Please see attachments for additional information.
Product: Credit card

I am not liable for this debt with XXXX. I do not have a contract with Absolute Resolutions Investment, and they did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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: Student loan

I have made 116 payments that are eligiblefor theTemporary Expanded Public ServiceLoan Forgivenessprogram ( TEPSLF ). There are 52 paymentsthat are pending manual review. On XX/XX/2021, I reached out to my myfedloan and I was told that a review was going to be done but no timeframeswas given. On XX/XX/2021, I spoke to theStudent Aid Ombudsman at Department of Education. I receiveda letterfrom myfedloanindicating thati requested a review XX/XX/2021 to give 60 days to myfedloan to do a review or find a solution. Today, I followedup and I received a genericletter attached indicating that there is no timeframe for my fedloan to conduct a manual review which is unacceptable since i am only 4 payments away and due tobureaucracy my loan forgiveness can be delayed. Please assistme. I attached evidenceof my communicationwith the agency as proof of my diligence.
Product: Credit card

To Whom it may concern, I have reached and reported to Amex regarding my former spouse 's credit card fraud, I have not recieved any communication regarding their repair to my credit score. Attached are the followinng doucments 1. XXXX Police report 2. XXXX  XXXX determination of credit card fraud 3. My Divorce lawyer 's explanation of how Amex was misused ( see pg. 1 last paragraph )
Product: Prepaid card

Direct express refused to answer The customer service line they will have you waiting for days and hours on to tell you after they ask you all the information and give them all the documentation over the phone they claim they want you to send more to another fact number and when you dial the number not in service do you go back-and-forth to Social Security office all week long only to be told we have to wait for the XXXX the XXXX family playing games with my phone and I need to know why my rent is due rent is trying to redo and they were not explain why they shut down my card that I have been using for a year, they want me to wait by the phone and I am Legally deaf Social Security keep claiming that it up to direct express and I keep walking 2 miles each day only to be told come back after they say direct express will call Im already days late on rent at my new apartment and Im very depressed about it please help me and others going through this