23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my XXXX year old daughter 's mother sent her money thru PayPal. She followed the link which allowed he to establish a profile with no age questions. The money was then unable to be accepted due to the inability for her to add a bank account ( because she dose not have on ). Now the money was unable to be used for her purchase and also unable to be refunded back to her mother. Using text messaging going back and forth for over two hours before being rectified. During this time my daughter ( XXXX yrs old ) was told many times she should have read the terms and agreements because she was not old enough to open an account. ( Yet they allowed her to do so ) Then repeatedly told she could not refund the money ( until she was crying ). So basically the money was at paypal, out of her mother 's account but not refundable or useable and it was her fault. After trying to add my account, which did not match her name and trying to add her custodial account, again not allowed! That money was sitting there, in limbo and not accessible. If this company is limiting by age, then why are they opening accounts for minors and allowing transfers? i became involved when I found out she was going to just let the money stay there because she was afraid she was going to get into trouble. ( for something they allowed ) ... My complaint? How many times and how much money are they scooping up this was? Why do they not have a proper refund option in place, why would they treat a child that way by not asking proper verifying questions, how many fraudulent and money laundering accounts are they facilitation? And on top of it all no phone number contact. I believe they should be looked into for circumventing financial institution laws.
Product: Prepaid card

Direct Express enabled a imposter to hijack my account. They accessed and removed XXXX and XX/XX/XXXX. 
I was alerted as I couldn't get online to check my balance. Fully expected then to correct my account as I verified my id and within the XXXX ext XXXX weeks XXXX was due soon and needed. They accused me of being an accompliss. And denied Me any XXXX. I received a letter stating I would get XXXX and a extra months benefit {$4000.00}. This was XX/XX/XXXX and I was only behind XXXX 's rent. My land lord started eviction proceeding 's served me giving me until XX/XX/XXXX to respond. I was anticipating funds on the way. And another letter dated XX/XX/XXXX arrived again saying I was implicate in the fraud and said no funds would be related. Meantime the management company had put our notices I didn't receive about painting the strips on the parking lot on XX/XX/XXXX. I wast aware. And both my vehicles where empounded. I pawned all my valuable items to pay the fees to return XXXX vehicle. ( {$700.00} ) towed XXXX blocks and had the car for XXXX hour. I worked with a eviction agency all she could do was email the needed documents for me allow. To fill out the various motions to postpone the eviction. According to the courts I files the docs but was to late. As sherif hg ad locked me out. I lost 80 % of my property. I was able negotiate or beg to get a XXXX hours to gain access and gather what I could. I was homeless for a month and experienced a couple of breakdowns need to call help lines function through this ordeal. Currently have new empty apartment and paid double deposit due to credit records. Help XXXX
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. The theft has already been reported and some of the information has been removed. Whoever stole my info went wild and applied for like XXXX accounts in my name. I am trying to rectify this but there was a point in time that I had file bankruptcy temporarily because all the accounts were going to collection and trying to sue me. Now, they do not want to help me. I am not in bankruptcy any more. The credit bureau is not doing right by me and they keep saying the information is accurate even though I submitted the proof that my identity was stolen to them. It has been going on for months and it is costing me lots of money to keep sending the stuff out and to take time off of work to deal with this.
Product: Credit reporting or other personal consumer reports

I tried to reach out to find out who they were and who authorized them. I've had difficulty. I tried disputing as well and it's still on my credit report. These companies were not authorized to access my personal credit report.
Product: Mortgage

Closed on selling my home XX/XX/2020. 

Mortgage held by Flagstar Bank Insurance premium was sent from my bank back to Flagstar, {$620.00} on XX/XX/XXXX They have yet to return it to me on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX two fraudulent transactions were made using my identity & EBT card information. XXXX.XXXX, XXXX XXXX, CA received {$500.00} & {$340.00} for a total of {$840.00}. 
I sent one certified letter to Direct Express but apparently the door was locked so mail carrier couldn't get signature so that letter is still at the USPS in XXXX, TX waiting for them to pick it up. 
I sent another stamped letter to them as well and then another stamped letter. 
Direct Express rep says they never received any letters when I talked to them on XX/XX/XXXX so my claim was never started until on this phone call with rep. He said it will be 45 to 90 days to finish this investigation. 

THE DIRECT EXPRESS REFERENCE NUMBER FOR MY CLAIM IS XXXX. 

I am on XXXX and live from month to month. 
My rent & utilities are past due. I can't pay copays for prescription drugs or specialist doctor appointments. I have no groceries. 
I gave Direct Express all of the above information. They should have contacted XXXX to stop shipment and deny payment. 
I had also emailed XXXX.XXXX  but only got a confirmation email. They never emailed me again to resolve this criminal act. 
MY TICKET NUMBER FOR XXXX.XXXX  IS XXXX. THEIR EMAIL IS XXXX They have no phone number listed on website. 
Direct Express terms of use states they reserve right to delay processing of suspicious card transactions. Somebody was asleep at their computer when these two fraudulent transactions were processed at XXXXam & XXXXam on XX/XX/XXXX. 
It appears that Direct Express lied about not receiving my 3 mailed letters. 
I also cancelled my card on XX/XX/XXXX and have since received the new card. 
I can not wait 45 to 90 days for them to resolve this matter. 
Direct Express stalled me from XX/XX/XXXX until XX/XX/XXXX and then said my claim wasn't started until XX/XX/XXXX and will now take 45 to 90 days to investigate.
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 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX : XXXX and 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 reporting, credit repair services, or other personal consumer reports

I purchased a new vehicle in XX/XX/XXXX and financed through Ally Financial. 
At the time of purchase, I included a GAP insurance policy. This vehicle was involved in a collision on XX/XX/XXXX and determined to be a total loss. I started the GAP claim immediately and communicated with all parties. 
I was sent a bill from Ally Financial for {$760.00} in XX/XX/XXXX. Working with the GAP insurance company, we were able to determine that the amount corresponded with the expected prorated refund from the GAP Policy. The dealership, XXXX XXXX XXXX in XXXX had cut a check to the lender for the prorated remainder of our extended warranty, however mistakenly did not include the prorated remainder of the GAP policy. They acknowledged the error and indicated that they would resolve this promptly. 
I was sent another bill from the lender for {$760.00} in XX/XX/XXXX. I communicated directly with Ally Financial and explained that this amount was to come from XXXX XXXX XXXX, and indicated that I would follow up from them. 
The COVID-19 pandemic caused some issues, as the finance manager at the Dealership who needed to resolve this started working remotely, and there was apparently a great deal of chaos. I  communicated with Ally Financial numerous times updating them on the status, and indicating my concern that this could have an impact on my credit. A representative from Ally Financial assured me that there was no reason for concern, and told me that it would all be dealt with once the account was paid off. 
The dealership finally paid this amount to the lender in XX/XX/XXXX, leaving a balance of {$34.00}, which I paid immediately. 
The account, now closed, is reporting a charge-off status, and severe delinquency for the amount owed to the lender from the dealership. I have contacted the lender numerous times and they stated that the account was in good standing as far as they're concerned. They advised me that the department that handles these matters does not speak to consumers directly, and further advised me that I should proceed by filing disputes with the three credit agencies. I have taken the latter action, however upon conclusion the delinquency still shows on my credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a dispute letter with a copy of the report stating all the inaccuracies in the report that I found, such as Transaction history with $ amounts, undeliverable addressed, and Incorrect late payments, certified mail to XXXX XXXX XXXX XXXX XXXX, Ca with return receipt. 
After 30 days XXXX action was taken on the report, so I called Experian and was able to remove the different name variations and Undeliverable addresses, and was told the rest of the disputes were still pending. 
After this phone call I sent certified mailed a second letter to Experian, sent to XXXX XXXX XXXX, XXXX, Texas. In this letter I stated, I have not given written consent for Experian to gather/share/or profit from my personal information in any way shape or form, and that this violation must be addressed within 30 days. I have found more than 13 inaccurate information at of XX/XX/2024, and received no response from Experian. 
However, 65 days after the first dispute letter, I sent a 3rd notice to Experian, notice to proceed with arbitration, delivered certified mail to XXXX XXXX XXXX, XXXX XXXX, Ca. This letter was sent first week of XXXX, and XXXX action has been taken to resolve these matters. I have not given written consent for Experian to furnish any of my personal information and have willfully non complied with all XXXX of my request.
Product: Payday loan

Company name-   XXXX   XXXX   Account balance starting back to  XXXX   XXXX , {$2500.00} Payment amount monthly- {$390.00} Balance as of this day including sending a check for {$2500.00}  XXXX   XXXX ,  XXXX  for pay off includes an additional amount of {$960.00}. Have an email confirming additional amount squeezing me for more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint in XXXX for XXXX XXXX XXXX and it has not be responded too. I have sent letters to XXXX XXXX XXXX and to all 3 credit bureaus and have not received a response. It is obvious this company is committing fraud and list erroneous things on my credit reports. 

My initial complaint is as follows : In XXXX on XXXX  I refinanced my home loan from XXXX XXXX XXXX  to a new lender, XXXX XXXX XXXX XXXX. My closing date was set for XX/XX/2023 and payment for payoff was sent to XXXX XXXX XXXX on XX/XX/ ( a XXXX  ) via a wire transfer. XXXX XXXX XXXXXXXX sat on my payment for almost 2 weeks and listed my payment for the month of XXXX as " Past due over 30 days '' on my credit report. That erroneous status has dropped my credit score of over 150 points. I have attached documentation from my closing disclosure that shows when the payment was sent. I has also attached my conversation with my new lender that shows the payoff amount was sent when it was. It seems as if XXXX XXXX XXXX  is practicing some shady business as a vendetta for loss of business. I am not sure if this was a mistake on their part or plan to ruin my credit since I took my business elsewhere. I would like the status of " past due over 30 '' and the late payment removed from my credit profile ASAP.
Product: Credit reporting or other personal consumer reports

the following correspondence sent to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion LLC Consumer Dispute Center po box XXXX XXXXXXXX XXXX XXXXXXXX RE : REINVESTIGATION OF PROFILE In Accordance with the Fair Credit Reporting Act the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This list of above accounts 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 : also states ; a consumer reporting agency can not furnish an account without my written instruction. 
15 U.S.C 1681 C. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which anteaters the report by more than 7 years. 15 U.S.C 1681 3-2 ( 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. 
Upon reinvestigating and finding of fact please remove and delete all accounts listed above immediately Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and dissatisfaction with the ongoing attempts to remove the charge-off account from my credit report. This marks the several time I have raised this issue, yet it still persists, greatly impacting my financial standing and opportunities. 

Despite providing all necessary documentation and evidence to support the removal of this charge-off account, it continues to appear on my credit report. This recurring issue is not only concerning but also deeply frustrating, as it undermines my efforts to improve my creditworthiness and financial stability. 

It is imperative that this matter is addressed promptly and effectively. I expect a thorough investigation into why the charge-off account persists on my credit report despite multiple attempts to rectify the situation. Additionally, I request transparency regarding the steps being taken to resolve this issue and a timeline for its resolution. With this, I am asking for your assistance to remove these accounts in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}.
Product: Student loan

There are a few issues I am having with MOHELA, and calling them has created more problems where I have to call them again. 

1 ) I consolidated my direct loans and applied for the SAVE plan at the same time, however, only my loans were consolidated and my repayment plan was not taken into account when it was transferred to MOHELA and it showed I had to pay way more than I would have if repayment was under SAVE plan 2 ) I called them and asked why and they did not give me information or change anything. Instead, they applied the SAVE plan again and told me they could put my consolidated loan in forbearance until the SAVE plan was applied. At this point, I already had two other loans of mine in the SAVE plan, so I was fine with this BUT they placed all my loans in forbearance and nothing that they have done reflects on the website. There is no proper communication of what took place in the call.

3 ) They processed my PSLF form in a way that says my employment ends in 5 days which does not make sense when I marked my employer as currently employed. I let them know that and they said I just would have to resubmit when that does not make sense and does not match up with my colleagues who also applied for PSLF.
Product: Mortgage

On XX/XX/year> I contacted New American Funding for a Mortgage Loan. I spoke with XXXX XXXX. I provided her with all necessary documentation to support this process. XXXX was aware that I am a first time home buyer. She provided myself and my Realtor XXXX XXXX with a Pre Approval by email. XXXX informed myself and XXXX that I was approved for $ XXXX we discussed budget not to exceed over $ XXXX. I searched for homes at times XXXX would contact me by phone or text message regarding if I had found any homes. I was unaware that I faced a loan advisor change at random until I was informed by the realtor. She provided me with the individual details whom name is XXXX XXXX. She was not very communication and very hard to reach versus XXXX. She informed me that she was my new loan advisor after my many attempts of contacting her by phone and email for information on my status and reason for the switch in loan advisors. She informed me that XXXX had left the company and no longer worked for New American Funding. She stated she had recently received my information from her supervisor XXXX XXXX. XXXX language over the phone was unhelpful and very unkind. She stated that I was no longer approved for any loans after she ran a hard pull credit check and took all my documentation that I provided XXXX again. I requested to speak with her XXXX which is XXXX XXXX who informed me XXXX XXXX was terminated due to falsely stating inaccurate information on clients documents to obtain pre approvals. I was again told I did not qualify needed more money down and more time. I then requested our business relationship to end. I was told by XXXX that a disclosure would be sent to me via mail.
Product: Credit reporting or other personal consumer reports

XXXX violated and continues to violate 15 U.S. Code 1681b - Permissible purposes of consumer reports and my rights as a consumer, destroying my life financially with no care or remorse. No permission or consent was given by me for the improper use of my consumer reports, All credit inquiries and accounts currently being reported on my consumer report are a result of identity theft and company refuses to properly deal with the situation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are closed accounts that are paid in full. On XXXX 2022 I disputed all companies that were over XXXX years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being. 
1- XXXX  XXXX XXXX {$500.00} 2- XXXX/XXXX, XXXX  {$600.00} 3- XXXX/XXXX, XXXX  {$100.00} 4- BMW Financial servic {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has a creed freeze on my account for6 months but still if I use services like XXXX XXXX and XXXX  XXXX they allow them to let HARD INQUIRIES come on credit report to scam money. I ask for FAIR CREDIT REPORTING ACT SECTION 604 and 609. I sent them registered mail with the federal law to have them show anything Oi did to make these hard inquiries. It is your job to tell them to stop fraud for money on my expense. If they did what the fcra 604 sad then I couldn't show you how they all 3 are ringing money on customers exsoese then there customer service is XXXX and they have know idea what American laws do. They are trained to say no and that is all the major credit bureau does. I work hard and these hard inquires are fraud. 

1. XXXX XXXX XX/XX/XXXX. FRAUD CREDIT INQUIREY 2. XX/XX/XXXX..XXXX XXXX XXXX FRAUD INQUIREY 3.XXXX XXXX XXXX Fraud Inquiery 4.XXXX XXXX XX/XX/XXXX fraud inquiry 5. XXXX Fraud Inquirey that all on report I had nothing to do with. Take these off or I will go to court and drain you for destroying peoples lives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX