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

My credit score has been very negatively affected because someone fraudulently used my name, ss number and date of birth but a different mailing address to purchase a {$40000.00} loan for a XXXX through XXXX financial services. I first noticed this in XXXX through credit monitoring that multiple inquiries had been made on my credit and a {$40000.00} vehicle loan had been taken in my name through XXXX financial services on or around XX/XX/XXXX. The first payment had been made for the vehicle but none thereafter. I contacted XXXX financial services on XX/XX/XXXX and they emailed me a letter identifying that they were doing an investigation into the situation. I filed disputes with all 3 credit bureaus explaining the situation. I received a reply from Experian at the end of XXXX indicating that the claims on my credit report would stay because XXXX financial services told Experian that they determined it was not fraud. I then received a call from XXXX stating the same, that they had closed the case because they determined it wasnt fraud. When I pressed them to explain what research they had done and how they came to determine it wasnt fraud, they refused to provide me any information. I was told by them, however, that I could email someone at XXXX XXXX services by the name of XXXX XXXX with additional documents requested by them and request to reopen the case. I complied with this request and emailed XXXX XXXX on XX/XX/XXXX with said documents and have never received a response. They would not give me her phone number. I have yet to receive a response regarding the dispute from the 2 remaining credit bureaus, but nothing has been removed from my credit reports and the person who fraudulently purchased the car in my name has not made a payment since XXXX of this year. 
I dont know what else to do to resolve this matter and it is destroying my credit that I have worked so hard to maintain in good standing. XXXX financial services clearly do not care about my circumstances as they obviously did very little ( if anything XXXX to investigate and resolve this situation of identity fraud.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved asap. checking all information that needs to be removed is illegal to be reported on may credit report. ive listed all items that needs to be deleted please review an remove the data listed that needs to deleted to correct my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2016 i send the payment but something went wrong with the payment and they send me the money back and report a lated payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I EMAILED THIS COMPANY AND ATTEMPTED TO CALL THEM. I SENT THEM AN EMAIL INFORMING THEM NOT TO SELL TRADE OR USE ANY OF MY INFORMATION THAT THEY OBTAIN FROM ANY COURT. THIS COMPANY USED MY PERSONAL INFORMATION FOR PROFIT AND IS CAUSING MY CREDIT RATING TO DECREASE MAJORLY. THIS COMPANY PROVIDED MY INFORMATION TO XXXX WITHOUT CONSENT. XXXX PREVIOUSLY DELETED THE INFORMATION BUT HAS SINCE REINSERTED IT. I DO NOT ALLOW LCI, VERISK FINACIAL LCI, OR ANY OF ITS AFFILIATES TO SELL TRADE, OR USE MY INFORMATION FOR PROFIT. I CONTACTED THE UNITED STATES BANKRUPTCY COURT AND WAS TOLD THEY DO NOT SELL OR TRADE INFORMATION FOR-PROFIT TO ANYONE ABOUT ANYONE. I CONTACTED XXXX AND LCI. XXXX AND LCI ARE BUSINESS PARTNERS
Product: Mortgage

I never received this Withdrawal Letter and and loan application from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, # XXXX/XXXX  XXXX, CA, XXXX Who has an zip code with XXXX XXXX 's at the end. Never had the phone number ( XXXX ) XXXX. I never had liens of {$140000.00} and had no subordinate financing of {$9000.00}. I never spoke with XXXX XXXX on XX/XX/2008. This is fraud. I never had assets of {$200000.00} and then seven days later have another {$4000.00} in assets on the refinance. I didn't know who Countrywide XXXXome Loans was until I received my first billing statement in XX/XX/2008. This is why I never received copies of anything from Countrywide for the HELOC and the refinance because they falsified my loan documents after I sent them back by mail. Also, if your implying I told Countrywide Bank by telephone I had all these assets they would have had to have verified it and itemized it for the loan. I sent in documentation as to my income. I find it funny that the other two loan applications were from XXXX, Arizona from XXXX XXXX. The licensing for these loans was in Arizona. For the refinance, Countrywide Home Loans Inc. # XXXX  ,XXXX XXXX XXXX XXXX XXXX, XXXX, CA., XXXX was closed in Arizona on XX/XX/2008. So where did the money go if I didn't sign a loan application until XX/XX/2008. You can say you were just the loan servicer and you consider this closed but now I'm sending all information to the Attorney General 's office with all the proof including my promissory note. Do you think if I had all those assets I would have lost my home. I don't care how old this is. Your falsifying a document that should have been sent to me last year when I requested all documents from my file. Bank of America also falsified another document. So I have two documents one from Bank of America and one from XXXX XXXX. This is far from over.
Product: Student loan

I tried to pay off the highest interest loans with direct payments, but they were reversed and applied to lower interest loans in different amounts. I asked to have the account audited, but it has been 1 month with no action, response, or communication. The loan valid has not changed in 3 years despite paying 20 % of the total loan value.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I paid an online invoice I received via email for {$7500.00}. This was the first half deposit toward plumbing services. This was an ACH transaction leaving my account, going through XXXX with the ultimate destination of XXXX XXXX. The money left my account XXXX XXXX. As of today, XX/XX/XXXX, XXXX, whose account is at XXXX has yet to receive the funds. They have tried multiple times to locate them but XXXX says it ca n't find them. XXXX customer service says the transaction was rejected and they did n't get the money. I filed a claim with USBANK to revoke the payment and it was declined. I filed a second claim for a missing ACH transaction but the supervisor told me this was not correct and was going to be declined. I have the trace number of the transaction. No one at US Bank branches or telephone will help actually trace the funds. I have been in multiple times, made numerous calls and spent more then 10 hours trying to resolve this with no assistance. Each call I make I end up speaking with a different person, whom tells me a different story but the common denominator is everyone says they ca n't help. I have been told that XXXX needs to have XXXX trace the money. But, XXXX says it never hit their system so ca n't locate it. None of the banks- XXXX , USBANK or XXXX ' bank have been helpful thus far.
Product: Payday loan, title loan, or personal loan

I applied in person for a payday loan advance in XX/XX/XXXX. I made some payments but due to financial difficulties I filed for bankruptcy in XX/XX/XXXX and included Speedycash as a debtor under my bankruptcy. This shouldn't be on my credit report at all according to the bankruptcy court.
Product: Credit reporting or other personal consumer reports

In XXXX I made a complaint against all 3 consumer reporting agencies about multiple unknown inquires that were made on my report. I filed it with the FTC as well. And while XXXX and XXXX fixed the problem and deleted the unknown and unable to verify inquiries, Experian has not and has not contacted me to let me know about the status of the disputing process. This is a direct violation of the FCRA and I demand these inquiries be removed inmmediately from my report.
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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXXXXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card

When trying to make a payment at XXXX XXXX XXXX this morning my {$27000.00} limit XXXX XXXX XXXX  card was repeatedly declined. I had no current balance, pay my card monthly and had just processed a payment to the exact same vendor the week prior. 

The charge of {$4400.00} was flagged for fraudulent and I spent nearly 30 minutes at the animal hospital attempting to remove a block on my card via the app and calls to two different agents. Ultimately I had to use another card, just so I could leave and get on with my day. I still needed to call yet a third time a few hours later to get the block removed because the earlier attempt didn't work despite the agent saying I was all set ( after I'd left the XXXX XXXX ). 

My dog is sick and large payments to vets on this card are not unique. I'm not sure why this charge got flagged but due to Bank of America 's convoluted process for addressing the issue I was unable to apply a payment to the card for XXXX airline miles. In fact, there is nothing they can do for me now because I had to put the charge on another card. 

I'm very unhappy with the lack of resolution in this case. 

I've attached a zip file with screenshots of the texts as I was trying to remove the block as well as the form email sent after the fact. Not helpful.
Product: Credit card or prepaid card

I applied for a Prepaid credit card through discover to help rebuild my credit. I was informed I was denied for a Secured Credit card for 2 reasons : 1. Past account held with XXXX. ( I never utilized this card nor did load the card for any monetary value ) - I was advised this account was closed in 2019 but no further information was provided. ( I believe it was due to lack of utilization ) 2. Denied based on past Bankruptcy. 

I have more than sufficient income to support a prepaid credit card to assist in the rebuilding of my credit but was still declined for such offer. I also took a hit in my fico score because a hard inquiry was done against my credit to qualify me not for an unsecured line of revolving credit, but a secured line of credit. As a consumer and one responsible for load a secured credit card to be utilized, I believe it is not only unfair to have a hard inquiry done for such an offer, but the internal lending policy walks a fine line of " XXXX XXXX '' based off the marketing materials sent to consumers on a daily/monthly basis. 

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

I'm reaching out because Money Lion has reported m as being 30, 60, 90 days late on XXXX, XXXX, and XXXX for a payment that never showed in the phone app as being late.. If I was late on a payment or payment didn't go through ; that's the first thing that should show up when I open the app and not only was I not notified but It didn't even show me being late in the app. I spoke with a customer service agent earlier and explained that even if the payment was missed : which it wasn't The next payment was due two weeks after and the payments all come out automatically. Please explain why I would miss a {$20.00} payment that's auto debited on the day I get paid?? Other people have had issues with bugs on the app and I've had issues in the past. My payments should be updated to all of my payments being paid on time because this as a error on the end of moneylion. It's literally $ XXXX {$20.00} - I wouldn't go 90 days and not pay that small payment ; while making payments. I will attach a screenshot that shows all payments being mad eon time within the moneylion app
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/23 I was contacted by RMP LLC in regards to a debt that they are saying I owe with them. I was informed that this account was in litigation and that I needed to start making payments ASAP. On XX/XX/23, I realized that the accounts that they were saying were in litigation were no longer listed on my main account. I proceeded to call on XX/XX/23, where a representative told me that they were moved into a new account, and they were not responsible for telling me that - that it was my responsibility to find that out myself. How, in the world, am I supposed to just GUESS that my accounts were split in 2?
Product: Credit card

XX/XX/25 - found on current statement that XXXX paper statement fee was charged. Checked the previous statements, I was charged four XXXX dollars from XXXX, XXXX, XXXX, and XXXX. Called the customer service to inquire when was the consent retrieved regarding this fee. To their record they did not ask for the consent and have failed to inform the customer properly. The manager said we do not need to ask nor receive consent as to how much fee we charge to customers. Manager said that the company does not need my agreement to charge any fees to the credit card. Manager declined to refund all four charges that were never fully disclosed to the customer. This is fraud and very concerning attitude coming from a manager from a company who withholds my credit card and financial information. When brought this concern to the manager and asked to remove my financial information from that company by cancelling this fraudulent credit card, the manager threatened and said I will never be able to open this credit card again and also denied my rewards that Ive rightfully earned through their promised rewards program.
Product: Checking or savings account

My wife and I had a checking account with Citizens, due to an involuntary mistake from our side, the overdraft protection of the checking account was activated, this created a debt of {$28.00}, we went directly to the nearest branch to pay the debt and to closed the account, but we were informed by the Branch Manager to forget about the debt and that they were going to take care of that, we insisted several times that it was our responsibility to pay the debt, but they did not let us. 

Not only they did fix internally the problem but also, they did not close the account ; we only found out what was happening when we receive a letter from the bank indicating that we were late for a payment, we immediately went to the branch, pay the debt and close the account, but unfortunately it was too late as they had already reported the late payment to my wife 's and my credit reports. We have been trying with the bank for them to correct the mistake they caused, and on XX/XX/2022 we finally received a letter from Citizens when they confirmed that they had reported incorrectly information to the credit bureaus, and our account was being reported as NO DELINQUENCIES. Then, on XX/XX/2022 we were notified by one of the credit bureaus that a late payment was reported to our credit reports by Citizens again. 

We are right now in a negotiation with another financial institution for a line of credit, we are in jeopardy to be rejected because of this situation,
Product: Vehicle loan or lease

I submitted my XXXX orders and written notice to terminate my lease months ago, yet the account has not been closed and negative remarks have been reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone applied for credit with my name for bank of america on XXXX its fraud i didnt apply for credit with bank of america at all. I just filed bankruptcy XXXX om XX/XX/22
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I messaged Comenity Bank 's Customer Care Team regarding my XXXX 's Credit Card being charged a minimum interest balance of {$2.00} on a XXXX balance, which proceeded to accrue late fees and other minimum interest charges to a total of {$30.00} as of XX/XX/XXXX. I had fully paid my credit card with them down to a XXXX balance as of XX/XX/XXXX, but had been charged a minimum interest charge of {$2.00} as of XX/XX/XXXX, XXXX stated it was because my account was not paid in pull by the billing due date, which it was. The billing due date, in this case, was XX/XX/XXXX, and my card was paid in full as of XX/XX/XXXX. This caused a string of late fees as well as additional minimum interest charges to accrue on this card from XX/XX/XXXX, to XX/XX/XXXX, which I believe is incorrect on the company 's side. I ended up discussing further with the Customer Care Team and was refunded the majority of the late fees and finance charges, however they still negatively reported against my credit score and labeled me as XXXX days past due. The entire reason that I was considered as " past due '' was due to their charging of a minimum interest balance on a XXXX balance, which is illegal. I ended up paying an additional {$5.00} to this company as of XX/XX/XXXX, for the charges they did not refund, which is the same date that the reported me as " past due '' to my credit reporting agency. I strongly believe that this entire situation is not correct and should not be reported against me to my credit reporting agency. 

I called this company on XX/XX/XXXX, to inquire on how to dispute this situation, and was met with a runaround on who to contact and how to contact them. Seeing as this got me no resolution, I turned to writing a letter with my statements enclosed for their viewing. I sent this letter to multiple different departments of this bank on XX/XX/XXXX, and still have not heard from them and my XXXX XXXX is still negatively impacted. I feel that this is a gross injustice as it is likely affecting not only myself, but thousands of others that have cards with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an unauthorized account on my Equifax credit report. The account number is XXXX, and it is a XXXX account. I never signed up for this account or agreed to be an authorized user. I would like this account to be removed from my report. 

I have attached a copy of my credit report from Equifax that shows the unauthorized account. I have also attached a copy of my police report, which I filed after I discovered the unauthorized account. 

I believe that this unauthorized account was opened as a result of identity theft. I have been a victim of identity theft in the past, and I have taken steps to protect my identity, such as placing a fraud alert on my credit report and monitoring my credit reports regularly. 

I am requesting that Equifax remove the unauthorized account from my credit report. I am also requesting that they investigate the matter and take steps to prevent this from happening again. 

Thank you for your time and attention to this matter.
Product: Student loan

I explained to navient that the student loan in which they're saying I owe money on is no way my student loan I was XXXX  since 1995 along was taken out during my XXXX  it is not my fault they gave this child alone and on with it saying I was responsible for the law says a person XXXX  can not obtain any loan I've explained this to navient over and over again I've set them letter stating that I was XXXX  at the time in which this long was taken out but they will not remove this loan from my credit and it's hurting me and my family now after doing 20 years in the penitentiary and I'm trying to buy a home and it's hurting me I need some help with this I need somebody to get in touch with me and help fix this matter thank you