23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On  XXXX   XXXX  I noticed that the money that should be available I my card.com prepaid card was not, went to my tablet, logged on and noticed a whole bunch of charges that were not made by me. I immediately cancelled my card, and submitted a dispute for the charges I did n't make. The charges totaled up at {$530.00} and being a single mom, I can not afford to take a loss that substantial. After waiting a month to hear back from card.com, they not only did n't give me my money back for the unauthorized charges, they re-charged me for  one  of those unauthorized charges. I was sooooo angry, so I started calling the merchants to try to fix my problem from their end and much to my surprise EVERY  one  of those merchants told me that they had already refunded the claim and that I should call my card company. Well I did and not only did they avoid the questions of where is the money now? If you submitted a charge back to the merchant and then was refunded by the merchants, but was n't given to me, whom it belongs to ... where is my money now? The supervisor hung up on me. And now when I call, I ca n't get a live person on the phone. I enter the info they tell me to enter I my touch pad and the automated system sends me in circles until it hangs up on me. Help ... I ca n't believe I was robbed and  XXXX  is n't standing behind their word of taking care of me ... I REALLY needed that money and they are screwing me out of it.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX according to Trafficking Debt Final Rule 1002,142 ( b ) ( 4 ) 51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a Victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be block and delete company information TransUnion. Please delete the following accounts XXXX XXXX  Account # XXXX Balance XXXX Opened Date XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX Balance {$120.00} Open date XX/XX/XXXX, XXXX XXXX Account # XXXX Balance {$4000.00} Opened Date XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX Balance XXXX Opened Date XX/XX/XXXX, XXXX Account # XXXX Balance XXXX Opened date XX/XX/XXXX. I Kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received investigation results after I submitted my dispute letters to the credit bureaus several times. These are the accounts : XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX | Dismissed Chapter XXXX Bankruptcy Reference # : XXXX
Product: Money transfer, virtual currency, or money service

I woke up on XX/XX/year> at about XXXX to a text message and XXXX emails from Affirm. The text message was sent at XXXX XXXX  with a code that said to not share. The emails came in at XXXX, XXXX and XXXX. The first XXXX emails were telling me that XXXX was processing my order. The third email stated that I have XXXX in purchasing power and that I'm now able to spend that much with Affirm. I did not authorize any of these transactions or request to have purchasing power. Mind you, I do have an Affirm account already where I used it to purchase a XXXX ( now paid off ) and a Tonal ( still owe XXXX ). Affirm takes out monthly payments from my checking account to pay towards my Tonal purchase. I called Affirm on XX/XX/year> at XXXX as soon as I woke up and saw the text and emails. I let them know it was fraud. They stated they would do an investigation that would take 30 days. Today, I saw Update that XXXX of the charges was refunded ( XXXX ) but the other charge still said pending. I then received a email stating that they determined the charges were accurate in the pending XXXX order and that I was responsible for paying it. I then called Affirm to find out why the other charge was still there and they stated they are still investigating it. They told me l needed to fill out an online form through their app stating " unauthorized use ''. I did that and one of the questions asked me if I filed a police report and wanted the case number. About an hour after I finished the online report on Affirm I received a text stating thank you for signing up for autopay on my XXXX order. Which I never did. Affirm had told me that they put a block on my account so no one can access or use my credit. So not sure why things are still happening. I'm very frustrated to say the least. 
Please help.
Product: Credit reporting or other personal consumer reports

Spoke to a special handling team about these accounts because they are fraud. Transunion have received documents from the creditors and refuse to delete these accounts. I have called numerous times about these accounts this is my second complaint because Transunion have the documents from the creditors with results of their investigation that i mailed and signature and i sent documents from the last COMPLANT.
Product: Debt collection

Lendmark Financial is a corrupt company. They have change a bogus loan amount on my credit report more than 5 times, took me to court in both XXXX XXXX and XXXX XXXX XXXX XXXX, marked my credit report as sold then said it was n't and most recently added a bogus amount to my credit report again after it 's been disputed and marked as sold to a collection agency. 

They have attempted to collect money that I do not owe them for the final time. I will obtain a lawyer because they sued me twice for the same bogus loan in the same state just XXXX different counties. They also reported that I opened up this fraudulent loan on a Sunday, XXXX/XXXX/2013, which I did n't and I would remember that because it 's the day before my Birthday, and they are not even open on weekends. They are not only attempting to get what I do n't owe them but are even reporting incorrectly and but pursuing illegally by suing me twice for something I do n't owe them. 

My wife and I are currently in the market to purchase a home, this stunt of adding a debt onto my credit could severely hurt our chances of doing that and I 'm livid! I 've had enough of creditors being able to do what they want, when they want and we are to just take it because they say we owe them? 

I am suppose to be protected from double prosecution, I 'm suppose to be protected through the FCRA and the FDCPA. I ex cerise my right as a consumer to apply these laws to my case and I want this fraudulent account removed from my credit report immediately or I will sue for Fraudulent Credit Damages, Violation of the FCRA and the FDCPA and also for suing me twice the the same fraudulent account.
Product: Credit reporting or other personal consumer reports

My identity was used with the following accounts and companies without my knowledge Inquiries include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I had an account with USAA several years ago and when I lost my job in XX/XX/XXXXI fell behind and eventually the account was charged off. Over the years I have been trying to repair my credit to buy a house and for a long time I have been told that paying the charge off will only hurt my score and make it harder to qualify for a mortgage. Most recently I was advised by the lender to pay the account to help get the scores where they need to be. Back in XX/XX/XXXX I contacted USAA and after several attempts reached the right department to be able to get these balances resolved so that we can move forward with purchasing a home. The balances were paid on XX/XX/XXXX and XX/XX/XXXX respectively. when I contacted the bank at the end of XX/XX/XXXX to get a letter of satisfaction showing that the balance had been paid I was told that the payments were not posted to the account yet for either of the ones made even though one had been paid through USAA bill pay 2 weeks prior. They told me to call back in another week and they should be posted so I can get the letter of satisfaction. I waited a little over a week and called them again only to be now told that they still are unable to provide the letter as they have not properly updated the accounts on the credit bureau. I am really shocked to see how they continue to give us the runaround about just getting something in writing to show that these accounts have been paid when we have paid them both off already. We are now on a time crunch and we have to move. We need help. USAA is not doing what needs to be done to provide us with the information we need.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Within Grace Period : The payment reported as late for XX/XX/XXXX was made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Clerical Error : There appears to have been a clerical error in how the payment was processed by XXXX XXXX XXXX leading to the incorrect reporting of a 30-day late payment. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit card

I opened up an Amazon Prime Card in XXXX Undenounced to me, I was signed up for something called Payment Security. Because this Amazon Store Card was on Auto-Payment, I never checked the account or statements. This card was being used by all of my family and I was never concerned with the balance, or the account being paid on time. With interest rates rising... I decided that I would pay off and close this account late last year. It was then that I became aware that my Account was being charged a Monthly Fee, based on my Balance from Payment Security. Upon contacting Synchrony Bank, I was told that I would have to contact Payment Security directly, which I did. I explained to them that I did not sign up for this Service and that I wanted a full refund of all charges and interest charges since the inception of my account, {$4300.00}. I received a letter in the mail from Synchrony Bank stating that my account was given a credited {$1000.00} ( the charges for the last 12 months ) as a courtesy, and that the matter was closed. This was not acceptable to me. I then contacted Synchrony Bank, because the letter came from them, not Payment Security. I requested a copy of my initial Application, showing that I had signed up for this service. I was told by the representative that it was NOT something that I signed up for, the BOX would have already been checked... It was my responsibility to read and UNCHECK the Box signing up for this service. I didn't even know what Payment Security was. I would not have signed up for an additional service, I just wanted an Amazon Store Card. This is an extremely deceptive lending practice. It is a SCAM. I never received anything in the mail or via email stating that I had this " Additional Service '' only my Amazon Store Card in the mail. I filed a complaint with the Better Business Bureau and Synchrony Bank considers this resolved. This is an extremely unfair and deceptive lending practice.
Product: Checking or savings account

Citizens direct deposit SSI US Treasury late since XX/XX/XXXX through XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XX/XX/XXXX, with no success ; have called, faxed, email and mailed written request to have errors corrected with all three agencies XXXX, Equifax, and XXXX. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : Judgment # : XXXX, XXXX XXXX XXXX XXXX # : Unknown ( multiple accounts ), XXXX XXXX # : Unknow ( multiple accounts ), XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, also remove inquires from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for credit with these companies. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Positive account to " add revolving credit account '' : XXXX # : XXXX this account was opened XX/XX/XXXX has a XXXX limit XXXX no balance ; no late payments currently opened paying as agreed
Product: Credit reporting or other personal consumer reports

XXXX i was reviewing my Experian credit report and noticed my credit score is to low according to the scoring module used by Experian to score reports. i also noticed Experian has through uses of systemic padded my credit reports to unethically sway potential creditors away from me and i believe this reason is solely race and demographic a violation of FCRA and 15 USC 1681.
Product: Debt collection

I, XXXX XXXX, was contacted by XXXX XXXX whom was representing Hunter Wakefield Company located at XXXX XXXX XXXX XXXX XXXX, Fl ( XXXX ) XXXX. They were seeking a debt owed by a XXXX XXXX. 
My husband and son have same name, just one is XXXX and one is XXXX. The representative did not care and had no problem going over someone else 's debt with me even though they did not confirm my identity nor cared to call and ask my son if it was ok that they speak with me.. I advised them it is my son 's debt not mine nor my husbands ' and he still kept using scare tactic like they are only willing to work on a reduced amount if I took action today and prepared or scheduled payment for a reduced amount or they would go after my husband and I for the debt that is not even ours. We are in process of buying a home and them reporting this debt on my husband 's social and not mine has loan process in jeopardy/ I lost my senses for a minute and made mistake by giving debit card information until my daughter heard my converstaion and had me cancel phone call WITH THEM immediatly. 

SOLUTION : THEY NEED TO CONTACT EACH BUREAU AND RETRACT THE NEGATIVE REPORTG ON MY HUSBAND THAT IS WRONGFULLY REPORTING
Product: Money transfer, virtual currency, or money service

I had XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I zelle money several times through zelle and I never got my money back because they never send me a warning messages, and they told me I can not get the money back, I believe I was scamed several times
Product: Credit reporting or other personal consumer reports

Dispute Department : LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report.

Account Information : Creditor Name : XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information.

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law. 

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. BANK OF AMERICA Opened XXXX. XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX There should only be one address in my report, which is : XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling, and there should be no variations listed. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally , I request the removal of the incorrect employers listed below : XXXX XXXX The only job I need listed is : XXXX XXXX XXXX Therefore, I kindly request that you delete this inaccurate information, as it is causing difficulties in ensuring my report is clean in the best possible way for me to continue with my legal process.

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report.

Thank you for your attention and assistance in resolving this matter promptly.

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

I noticed on my XXXX report that a credit line of $ 30k does not belong to me. I do not have a credit line this large. I called XXXX and they said " it belongs to me ''. I don't have an account with Citi Bank. I went to a Citi Bank location in my area and explained the same thing to them. I got the same result. This is not my account as I don't have any credit line with Citi Bank or for this large of credit line. Everyone refuses to remove this fraudelent account off of my credit report.