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

XXXX ... 
.did not do what they stated or claim " XXXX XXXX XXXX XXXX gives you access to

a team of Certified Specialists that will guide you through every step in the restoration process if you become a victim of identity theft. What kinds of things can we help you with? If you suspect that your information has been compromised please contact us at your earliest convenience. Our identity care specialists will determine if an identity theft event has occurred and guide you through any necessary restoration activities like : Contacting the entity that issued the account or credentials that have been compromised ( like your bank, credit card issuer, the Social Security Office, etc. ) Notifying law enforcement Reviewing your credit report Filing the appropriate fraud alerts. Problem still exists, received lies no action.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 a purchase was made through my MoneyLion Virtual Credit Card for {$25.00}. I attempted to receive a refund directly from the merchant, XXXX XXXX but was unable to even after contacting the XXXX  who said they made two bone fide attempts to contact XXXX XXXX  Corporate and received no response. I then began a ticket with Moneylion and filled out their paperwork plus sent in a ton of my own paperwork including items such as the digital card and the fact the systems went down and nothing could be done on-site. Weeks later, Moneylion closed the ticket, just days after I sent in additional information and I asked for it to be re-opened. The dispute resolution department gave me two dates that were a follow-up date that my account would be updated, and both of the dates came and went with no word from Moneylion Dispute Resolution Department XXXX Then I was asked to re-send in faxed Moneylion forms I had already sent in and then asked for a copy of the digital card three weeks after the initial contact which I had already sent in as well. No due diligence was done, this was totally mishandled and then I was just told summarily that the dispute is denied, final, a letter sent. I have been a Vice-President of XXXX at XXXX XXXX XXXX and I can tell you that when money is withdrawn from your account and you are not given any service or goods to equal that value it is a FRAUDULENT transaction and should be removed. I will forward this to XXXX and XXXX XXXX and hopefully, they will see the truth behind what is going on here and call the franchise owner or corporate or do ANYTHING that could be considered an investigation of merit. This department of Moneylion needs to be re-vamped or they are going to be a possible cause of the severance of the relationship of any banking institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving recurring charges from TransUnion on my XXXX credit card since XX/XX/XXXX until now totaling {$510.00}. The reason why I signed up in the first place was due to wanting a {$10.00} credit freeze but did not realize that they signed me up for a monthly subscription. 

I have tried to cancel my subscription, but kept getting put on hold until I ran out of patience. I would be on hold for 30 mins to a few hours and being transferred to multiple people. They also do not have an option to cancel the subscription online. 

Trying to cancel the account causes me so much frustration and I just learned this is a tactic that they use to keep you subscribed. 

I am demanding my subscription to be cancelled and that I am refunded my recurring charges from XX/XX/XXXX or at least XX/XX/XXXX.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

TD BANK USA/TARGETCRED Account XXXX
Product: Debt collection

Flexible spending credit card. XXXX XX/XX/XXXX and closed XX/XX/XXXX. Last payment made on XX/XX/XXXX. {$4000.00} owed.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXXXXXX ....
Product: Credit reporting or other personal consumer reports

A fraudulent item that I never benefited from continues to appear on my credit report, despite already being deleted by both XXXX and XXXX. Yet, this false and misleading information remains on my file, which is completely unacceptable. This situation is not only frustrating but also an insult to my integrity as a responsible consumer. It is causing me undue stress and anxiety, knowing that my rights are being blatantly violated. I have already reported this issue to the police and the Federal Trade Commission, yet no action has been taken to remove it from my report.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

AccounXXXX XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found multiple inquiries from your company that I never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  violated my consumer rights. See attached letter
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Product: Checking or savings account

Recurring monthly autopay check on XX/XX/XXXX to XXXXXXXX XXXX XXXX for {$560.00} was never received by payee. After calling bank, I met with bank officer XXXX XXXX who was able to show me image of check indicating only stamped endorsement XXXX XXXX with no account or signature noted, not the bank of the payee. She assisted me in filing all required and notarized information and statements from myself and the intended payee. Around 5 months later the fraud department gave a non-responsive response indicating that I had authorized the original payment so no reimbursement was warranted. I then returned to bank officer XXXX XXXX as a different branch. ( Bank officers keep changing and branches keep opening and closing at Bank of America. ) She endorsed that the first response was incorrect and instituted an appeal. She offered to get me an image of the check for my records but was never able to secure one. Nor did the check image ever become available through my online account records. Her appeal request simply generated another iteration of the same fraud claim forms which I filled out and notarized again. After several more months the bank responded that their department was not responsible for the issue and it was being referred to another unidentified department. I called and was told it needed to be handled by online bill pay department. I spoke with them as well as a supervisor and they indicated that all documents would need to be submitted again to them directly and they were not able to access documents from the fraud department. I was told the bank officers should have referred to them initially. However the fraud department also never advised me to proceed differently. As I have not done business with the payee since XXXX of XXXX, since they were requiring all paperwork with notarized statements be submitted for a third time, and since this has gone on with countless hours of my work and XXXX months of elapsed time with no assurance that it would be effectively resolved if I pursued it further in their completely error ridden system where at best no one took ownership of assisting me and at worst they seem to have an effective way of deliberately not responding to claims, I refused to proceed further and am contacting you for assistance. Is this their systematic way of not taking care of their errors that may cost them some money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX  XXXX Balance Owed : {$7200.00} XXXX XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$3400.00}
Product: Student loan

I have had trouble with both administrators of the Federal PSLF program ( initially XXXX and now Mohela ). I have submitted information regarding my eligible employment in order to have my " qualifying payment counts '' toward loan forgiveness updated in advance of the XX/XX/2022 deadline. My most recent round of trouble started in XX/XX/2022. I submitted my forms to XXXX, and learned that before processing my request, they sent my loan and documents to Mohela. Once the transfer was complete and I was granted access to Mohela.com, I logged in at uploaded my documents again. I uploaded these forms on XX/XX/2022, XX/XX/2022 and now again XX/XX/2022. Mohela sent me XXXX letters on XX/XX/2022, all with conflicting messages and failed to credit all of my qualifying payment counts, though they did acknowledge some. It has been impossible for me to resolve this directly with Mohela. After several attempts to contact them via phone ( all ending in an automated system telling me that they are " unable to locate my student loan account '' and disconnecting the call ) and an attempt via their own online messaging system ( made on XX/XX/2022 and as of today, I have not received a response ) I am reaching out to the CFPB in order to aid me in resolving this matter. I fear that Mohela intends to ignore or continuously deny my request through the application deadline.
Product: Checking or savings account

I am a student enrolled in the University of XXXX. Earlier this year, the school was supposed to refund me through a third-party bank company called Bank Mobile . On XX/XX/XXXX, {$11000.00} was sent into the bank checking account without my knowledge because my refunds were supposed to be set to direct deposit, but I had gone to my school about the refund and they had said it was sent to Bank Mobile. However, when I had tried logging into the account for the first time around XXXX, I was unable to. When I had checked what email was associated with my XXXX  ID, it was an unfamiliar email. I had contacted the support team, asking to be let into the account and that the email associated with that account was not mine, and they had told me to send in documentation proof showcasing my identity, but after all the documents were sent, they had kept putting me on hold or telling me they would call back or I had to wait longer. Many weeks passed before they finally wanted to start an investigated, but even until now, nothing has been resolved. Even after so many documents were sent and that they had said they would resolve the matter. I was finally let into the account on XX/XX/XXXX and I could see the bank statement and every withdrawal that was made after the refund was put into the account, but as of currently the account is put on hold for a compromised account and it has been almost a month with no resolution or unlocking my account. I was also able to see multiple deposits and withdrawals dating before the university refund that was not made by me. After XX/XX/XXXX when the refund was sent through, {$2000.00} was taken out as a transfer to another account on XX/XX/XXXX. On XX/XX/XXXX, {$2000.00} was taken out again as a transfer to another account. {$2500.00} was also spent on XXXX XXXX, {$4300.00} on XXXX, {$670.00} on XXXX, all on the same day. Then finally on XX/XX/XXXX, the last {$120.00} was transferred to another account. I was finally let into the account on XX/XX/XXXX and was able to see the withdrawals. I was also able to see that the person who was in the account changed the refund preference from direct deposit into my personal bank account, to deposit to Bank Mobile. I've reported the claims for everything and there's been an ongoing investigation for about 4 months now with nothing resolved. I have sent written statements about the claims because that was something that they made me do, however when I called and asked if they received them, they told me they weren't allowed to disclose a lot of information as my account is under investigation so information is limited even though I have already sent previous documents of my identification and they have already put my account on lock.
Product: Checking or savings account

Ive been discussing and providing the required documentation from Chime in order to verify my account and my external account thats linked to it. I provide my bank statement, the picture of my debit card, front and back the picture of my ID unexpired drivers license, front and back and the second form of ID, which is my Social Security number signed front and back, I am also submitting my bank statements for the last two months to the account because it is a new account and I only have two months of bank statements which I already discussed with Chime as well and I keep on getting the runaround that my account is still on hold and they keep on requiring or requesting the same documentation that I already submitted. I call Chime and I discussed the situation with them and I asked him what more do they need these I sent the documentation with the representative on the phone and they say that its submitted to whatever department is that it needs to be submitted to that. I get an email requesting the same documentation for a home and a half. I really need help getting my money back from this account my money is also on hold with this account and I dont understand why they are making me wait a month a whole month and a half to get the money thats in my account I do not want to close my Chime account and I dont find a reason why I need to close my chime account. If I have not broken any policies, I havent broken any rules against chime and my account is in great standing with chime. Ive been a great customer always paid back any money that they lend me. I am a great customer to Chime and I dont understand why Im going to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachment regarding the issues that this company has created. Also, THIS IS NOT A NEGOTIABLE INSTRUMENT, WHICH MEANS THIS CAN NOT BE SOLD OR TRANSFERRED! This company has broken the law, and if they don't correct this ASAP, I WILL TAKE THE NEXT STEP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX i just made a payment of XXXX XX/XX/2020 when XXXX updated today XX/XX/XXXX it shows an increased balance of {$350.00} bringing the loan balance up to XXXX dropping my credit score 12 points. I contacted XXXX XXXX   they agree that the correct balance should be XXXX and they never reported an increase. I have proof of all this. A payoff statement with the correct price and a saved conversation with XXXX XXXX. This is not the first time XXXX has reported false information and blamed the creditor. Im getting sick of this and i am ready to take legal action against them if they have no plans to fix my score and correct the information they reported. This time i have the proof that transunion is screwing people by reporting false information. If this can not be resolved i will take legal action.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Tried to get my credit score by registering on credit karma and it keeps saying my personal information does n't match the bureau of records.