23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

MoneyLion told the CFPB on XX/XX/XXXX that they would issue the bonus amount of {$400.00} within 7-10 business days. As of today, XX/XX/XXXX, they have not paid the bonus. They lied to the CFPB complaint # XXXX stating they would pay this bonus within 7-10 business days ( they should've paid no later than XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX ), account number : ( XXXX ), account name, ( XXXX bank ) account number ( XXXX ), account name, ( comenity bank/ulta ) account number ( XXXX ), account name, ( XXXX bank XXXX Account number ( XXXX ) account name ( XXXX capital XXXX account number ( XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

This isnt my account, nor did I authorize these companies to pull my credit. Please remove them.
Product: Credit card or prepaid card

I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ALLY FINANCIAL with no successful resolution. XXXX   only reporting me late. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I pulled my Experian report on XXXX and was very disappointed with the erroneous marks on my credit report causing damage and stress. I am getting denials with banks & not able to obtain funding for my business because of late reportings and false information on my report. 

Under 15 U.S.C. 1681n ( a ) they must maintain maximum possible accuracy when putting together a consumer report and they have violated my rights as a consumer. I wish to get these inquiries removed immediately so i am not being held back. This is very damaging to my reports and if this issue is not fixed i am going to file suit for {$1000.00} per violation. I never gave these creditors permission to run my credit. I know that this is a XXXX a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions. 

In the case of *XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the importance of providing consumers with accurate and sufficient information to validate the debt which XXXX has FAILED TO DO SO. 

I wish for these inquiries to be REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Account # XXXX 15 U.S. Code 1692g - Validation of debts, I am disputing this alleged debt in the entire amount, cease collection of this debt and remove from my credit report. Failure to cease to collect is a violation of the FDCPA. Please update with other credit reporting agencies, XXXX XXXX XXXX. This account is still being reported causing significant damage to my credit report.
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. 

XXXX XXXX XXXX {$110.00} Opened XXXX XXXXXXXX XXXX XXXX Account # XXXX {$230.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$380.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$700.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$1900.00} Opened XXXX The amount of missed payment and multiple late fees are incorrect. 

Multiple accounts appear several times on my credit report.

The accounts below have violated my rights.15. U.S C 1681 section 602A State I have the right to privacy.

15. U. S C 1681 Section 604 A Section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U. S C 1681 c. ( A ) ( 5 ) Section states : No consumer reporting agency can make any report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime which antedates the report more than seven years.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
MERCEDES BENZ FINANCIA XXXX and MERCEDES BENZ FINANCIA XXXX has been reporting late payments on my report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MERCEDES BENZ FINANCIA customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a capital one I had made a hard pull with on XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me. I do have an account with capital one but this situation is fraud.
Product: Money transfer, virtual currency, or money service

Our company, XXXX XXXX is essentially writing this complaint as a last resort in an attempt to communicate with a real person at PayPal who can read and interpret written language. As you can see from the long chain of emails I have attached, the PayPal employees ( or ai ) who respond at the XXXX email apparently have a hard time reading and/or doing their job inasmuch as many of their responses have absolutely nothing to do with the email which was initially sent and others, who appear to understand what is being asked, provide responses which are not true such as the response from XXXX on XX/XX/2024 in which we received a response stating I understand that you are having a query in regards to the payment hold so I would like to inform you any payment received through goods and services the payment will be placed on hold. This subsequently turned out not to be true as our incoming payments were not placed on hold thereafter. 

Therefore, I will, again, lay out our request in a manner which is as straightforward as possible : Our company, XXXX, would like every incoming transaction to our PayPal account to be placed on hold pending the submission of tracking information. Seeing as payment holds are supposedly punitive, I dont see any reason why we shouldnt be able to get this configuration for our account. The reason we are requesting this is because we frequently have customers who put no shipping address on their invoices or incorrect and/or invalid shipping addresses on their invoices and we can not ship out orders for such invoices as we would lose seller protection in doing so. We also can not refund invoices such as these because PayPal keeps the 3 % transaction fee ( which for our orders can be hundreds or thousands of dollars ) any time we issue a refund. 

Accordingly, as weve noticed that payments which are on placed on hold pending shipping/tracking information are not subject to the nonrefundable transaction fee scam and, therefore, we want our account to be configured so that every incoming transaction, no matter the dollar amount, is placed on hold pending tracking/shipping information being submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1881b Permissible Purpose of consumer report, 15 USC 1681c-2 Block of information resulting from identity theft, 15 USC 1681n civil liability for willful noncompliance. THESE TWO COMPANIES VIOLATED MY CONSUMER RIGHTS, BANK OF AMERICA WLLING GAVE AWAY MY PERSONAL INFORMATION WITHOUT MY CONSENT, XXXX, AND XXXX XXXX FURNISHED THAT INFORMATION ON THEIR PLATFORM WITHOUT MY CONSENT. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. USC 1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or may have acknowledged concerning any such items of information. XXXX never interview any of my neighbors or close friends during this investigation of my report. These corporations have violated my consumer rights.
Product: Credit card or prepaid card

I received a Citi XXXX card. I paid the balance down every time I used the card through a SVB business checking account. I racked up {$8000.00} charges. While my XXXX XXXX Bank Account was debited every time I paid the credit card, Citi closed my credit card abruptly. They said there was an error, being my account that I was paying from is a Savings account. However, I never paid from a savings account. I paid from a business checking account. 

I reached out to Citi and they said I would also not get the XXXX airline miles in the quantity they promised. 

I told Citi they needed to give me my miles. I only got the card because they advertised a bonus for advantage miles on XXXX XXXX that I need to see my daughter. 

Citi reneged on its commitment, even after admitting the reason they closed the account was their mistake. Then, they tanked my credit from an XXXX to less than XXXX because they said I never paid. 

Citi scammed me and wrecked my credit, while lying about delivering points for expenditures.
Product: Credit card

On XXXX XXXX my Truist bank credit card was fraudulently charged for {$1300.00} plus they are adding interest to that every month. I made a claim to the bank and it was sent to the fraud department. I also made a police report on this matter. The Truist Bank advise me that they will do an investigation on the matter and get back with me and they never do, I continue to give them a call on this and they just say we will get back with you. 
I also spoke with the bank associate where this fraud took place and he advise me that the person that done the fraud on my account is no longer there. 
Police report # XXXX
Product: Bank account or service

There was fraud on my wells fargo secured credit card. I disputed the charge, wells contacted me and and we began the dispute resolution process. I spoke with the dispute resolution center several times. They assured me during this process I would not be debited the amount in dispute. On XXXX XXXX they suddenly closed all my accounts without warning and froze my account. I had asked if such an action would be taken during my conversations with the dispute team and was assured it would not. I now have no access to my funds and no other bank account as I was not prepared for such an aggressive and seemingly illegal maneuver.
Product: Debt collection

An account named ERC or Enhanced Recovery Co L has fraudulently reported a debt through what is listed as XXXX in the amount of {$440.00} to my credit report on XX/XX/2020. I have no prior acknowledgement of this account and received zero communication or information from ERC or XXXX prior to this debt collection landing on my credit report. I have been a victim of fraud and theft of my personal information including my social security number in the past. I know 100 percent this account is fraudulent. When requesting information regarding this account through ERC the employees became hostile and refused to provide any information to me as to the legitimacy of this account. I also have no documents of this account aside from it being listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the same account was erroneous. The 3 credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$500.00}
Product: Credit reporting or other personal consumer reports

I took out student loans in XX/XX/XXXX. Nelnet serviced these loans. 

In XX/XX/XXXX, Nelnet declined to continue servicing Department of Education loans. Nelnet therefore closed my accounts and transferred my balance to XXXX, the Department of Education 's new loan servicer. 

I paid off XXXX in full in XX/XX/XXXX. XXXX accurately reports that I have {$0.00} balance with XXXX. However, XXXX inaccurately reports that I have a XXXX XXXXXXXX balance with Nelnet. This is false ; as stated, Nelnet closed my account and transferred my balance ( see page XXXX of the attached XXXX XX/XX/XXXX loan letter from Nelnet proving I have {$0.00} balance ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX disputing THIS ACCOUNT AS BEING CHARGED OFF AND THAT I WAS 30  DAYS LATE IN XXXX 2011. They have yet to send me any proof that this account belongs to me or prove that I was ever late, therefore this account should be deleted. After 31 days they still have not placed the verbiage dispute on my credit report All the letters that I sent to XXXX XXXX XXXX, XXXX. at XXXX XXXX XXXX, XXXX. Attn : Research Dept,  XXXX XXXX XXXX XXXX XXXX, FL XXXX and it was returned to sender. If this is not their correct address they are reporting incorrect information on my credit report, therefore, this account should be deleted. XXXX sent a letter stating that they have verified this account to be accurate. However, all of the letters that I have sent to XXXX have been returned to sender, I would like to know if Equifax sent XXXX a letter was it to the address on my account and if so was it returned to sender and if so, this account should be deleted because Equifax is not reporting verified facts.
Product: Credit reporting or other personal consumer reports

I see that XXXX, XXXX, and Experian are reporting XXXX XXXX XXXX on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts violated my rights : U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX 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 an account without my written instructions. Thanks!
Product: Debt collection

This creditor called " XXXX '', say that i owe them XXXX dollars of items that i have no idea what they are talking about, and it happen XX/XX/XXXX -XX/XX/XXXX i have know idea who stole me Identity was stole about that time dealing with a Tax issues thats the only time that i knew of any Idenitiy fraud. So debt collector called Second Round LP send a statement of payment to me thats when i contacted Bureau of Consumer Financial.
Product: Checking or savings account

Company Closed my account without any reason wouldn't tell me why they closed my bank I wasn't able to used my account for XXXX months XX/XX/2022 & I called on XX/XX/2022 to see what's going on with my account then they took me my account was closed didn't received any letters saying why.
Product: Checking or savings account

I am a current banking customer of Dave. On XX/XX/2022, I requested and received a cash advance for {$75.00}. The advance was due on XX/XX/2022 in the amount of {$79.00}. That amount was posted as withdrawn from my bank on XX/XX/2022, however as of XX/XX/2022, Dave continues to report that balance as " pending settement. '' I contacted customer service via chat on XX/XX/2022 and they were unable to provide any information regarding the delay in confirming receipt of payment. There is no reason why Dave continues to report that balance as outstanding. Banks are not that slow in forwarding funds nowadays. Attached is a screenshot of that withdrawal to Dave.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
The 3 Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) regarding these unauthorized inquiries on my credit report that I asked them to remove because they were fraudulent as I didn't give my identification to any of these companies ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for any transactions . I also called XXXX as well as XXXX and they still ignored my request for remedy. I sent in dispute after dispute, affidavits as well as cease and desist orders to no avail they are ignoring me to remove these unauthorized transactions without permissible purpose. I don't know what else to do but take my complaints to the CFPB. I have even asked Experian to remove all 5 variations of my name as my name should only be listed as XXXX XXXX XXXX and the only address I have is XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX but they have over 11 variations of addresses and they refuse to delete them. They were also reporting some late charges from XXXX and I told them I was never ever late with XXXX but they said I have to take that issue up with creditor XXXX as they can do nothing only report. I said I am the consumer and what you are reporting is inaccurate and needs to be removed they said they wont. Experian is also reporting inaccurately past due amount from NEW XXXX XXXX which derived from a consumer credit transaction with XXXX XXXX XXXX on XX/XX/XXXX then several third party servicing companies has shown up since saying I owe them the alleged debt. I was never late nor missed any payments as they are reporting on my consumer file.