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

I am filing a complaint regarding Direct Express and my inability to access my XXXX XXXX funds. On XXXX XXXX, 2024. I received a direct deposit from Social Security to my Direct Express account. The XXXX XXXX XXXX has confirmed that the funds were sent to my account. However, when I attempt to use my Direct Express card, I'm told that my card/account is invalid. This is my only card with Direct Express. 
I have contacted Direct Express customer service on a daily basis from XX/XX/XXXX, up until today XX/XX/XXXX. But they have been unable to resolve the issue, only saying my account is invalid. But i have been receiving deposits to this specific account with no issues prior to XX/XX/XXXX. 

This situation has left me without access to my necessary funds, and is preventing me from purchasing meals. 

I am requesting that the CFPB investigate this matter and assist in resolving it promptly. I need immediate access to my XXXX XXXX benefits, which are my primary source of income.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom This May Concern, I, XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information, I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name, then I demand that all credit bureaus and financial institutions be made aware, or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

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

I have never done business with Phoenix Financial and do not have any agreements with them. I have thoroughly reviewed my credit report and have discovered the presence of a collection account in which I am questioning and have issues with.This account is inaccurate and does not pertain to any debts or obligations that I am responsible for. Please see the attached that supports my issue with this debt collector who has access my credit file without notification or permission.This is identity theft.
Product: Money transfer, virtual currency, or money service

{>= $1,000,000} from my XXXX were ordered by my bank with their in house broker. Funds were sent but I never got them. I have been back several times but never have gotten funds or explanation. I need help to find my money. This was almost 4 years ago with no answer from bank. Funds are gone. Need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX [ XXXX ] [ TRANSUNION ] [ XXXX ] To Whom It May Concern : I am writing to dispute an unauthorized credit inquiry on my credit report. The inquiry was made by [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ]. 
[ XXXX ] on [ XX/XX/XXXX ] [ XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on XXXX XX/XX/XXXX ] [ XXXX XXXX XXXX / XXXX XXXX XXXX [ XX/XX/XXXX ] I did not authorize this inquiry and believe it was made in error. 

I request that this inquiry be removed from my credit report as it is negatively impacting my credit score. I have attached a copy of my credit report. 

I am aware that under the Fair Credit Reporting Act, you have 30 days to investigate my dispute and respond with your findings. I request that you notify the furnisher of this inquiry and request that they remove it from my credit report as well. 

If you find that this inquiry was made in error, please remove it from my credit report immediately. Please provide me with a written response when the inquiry has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am not aware of this debt. This company has not proven that this debt is in fact mine and just placed on my credit report without proof. Also it is a XXXX violation. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX  ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Debt collection

I was attending XXXX XXXX  in XXXX  and had XXXX semester left to complete my XXXX degree when I had to drop out due to a XXXX and life difficulties. I had taken out XXXX XXXX loans which covered all of the tuition that I owed the college. However, they offered me a health insurance policy which I accepted, and then later said that my student loans would not cover that portion. They have frozen my transcripts and will not allow me to transfer my credits out or complete my last semester until I pay the now {$XXXX} I supposedly owe them over health insurance. They listed the debt as unpaid tuition, even though it's not. The collection agency has been threatening to sue, and has sued me in court for a judgement. I receive phone calls and voicemails daily from different collection agencies. I do not have {$XXXX} to pay them, and I don't feel that this is a fair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my life I have maintain the morals of never borrowing money. I pay cash for everything I want or I will simply not buy it. when I decided to pull my credit report I instantly noticed a number off closed accounts that I did not recognize. these accounts on my credit report are fraud and were not created by me by any means. every account I stated is fraud. I did not authorize these accounts to be created and I demand they be removed immediately. I am willing to move forward with any legal actions need be to clear these fraudulent accounts off of my credit report. I also noticed that on each credit report my name did not include the XXXX. these fraudulent accounts have been negatively impacting my credit score with put my knowledge for years now and the have to be removed now. I reached to the companies and they never helped resolve these accounts. this is over {$4000.00} in debt that i didn't create and its is unfair that this is reflected on my credit report that I've worked so hard to keep clean.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 submitted on dispute to Exeter finance to remove the account from my credit. The last date of activity is reporting wrong on all three credit bureau. The account type is wrong on all three credit bureau. I have disputed it for 5 months now and their are not removing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant today was directed to Experian Credit Bureau, as while the XXXX and XXXX XXXX have completed the inquiry removal that I requested them the Experian Credit Bureau have 4 remaining fraudulent inquiries that needed to remove. Still I commend the Experian for trying. but I want all the specifically mentioned inquiries left to be REMOVED from my credit report. Here are the REMAINING FRAUDULENT INQUIRIES that Experian XXXX needed to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On Friday XXXX XXXX, 2015 a direct deposit from my payroll was added to my XXXX account. I was told that on the XXXX there would be a system update which would not affect any deposits or withdrawals. That was soon to found as a non-truth. I have not been able to either speak with anyone at the company. I have not been able to make a withdrawal nor have I been able to pay any bills. I have called and emailed this company ; however, they are not responding to either point of contact. This has been going on for days now and my bills are due to be shut off, I am out of gas in my car and I am not able to feed my XXXX children. I only have XXXX income in my home which is mines. I do n't have any help from anyone, so I need my money ... They do n't seem to understand how important it is nor how real the struggle is of being a single parent ...
Product: Credit reporting or other personal consumer reports

I send Experian a request to remove the information that is showing on consumer report 5 times said they investigate with self lender which they never did Experian is causing hardship to my family here are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is in good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 I was shopping for a vehicle for my business and the dealer pull more than one hard inquiry on my report. My credit report was misused without my permission. I was under the assumption that only one hard inquiry would be used for my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows 120 days late payment on XXXX XXXX XXXX XXXX XXXX account. 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 XXXX XXXX XXXX XXXX customer service representative.
Product: Student loan

XXXX XXXX loans from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX were on forbearance and not late payments. Ive disputed this multiple times with Experian with the same results on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have provided accurate and sufficient proof from XXXX XXXX that these loans were in fact on forbearance. This issue has not been solved.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Employer - XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I got a loan for a XXXX  XXXX in XXXX of XXXX. My monthly payments are XXXX only about XXXX goes towards the actual car its self while the other XXXX something is for interest. I will provide photos of all payments made as well as what Im paying towards car and interest. I added as much information as I could get.
Product: Credit reporting or other personal consumer reports

FRAUDULENT INQUIRIES ON MY CREDIT REPORT I DID NOT CONSENT OR AUTHORIZE SOMEONE USED MY IDENTITY REMOVE THESE AS SOON AS POSSIBLE XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX Phone number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXXXXXX  Phone number By mail only XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, DEXXXX Phone number XXXX XXXX XXXX XXXX
Product: Mortgage

This complaint involves a mortgage payment that occurred during the transfer of the mortgage from one provider to another. Regular payment in excess of minimum amount due on my primary residence, have been made on time for the past 14 years. They are made via bill pay, through my personal checking account. The notification regarding the transfer, new provider and payment forwarding information, was received on XX/XX/XXXX. The XXXX payment was processed by the bank on XX/XX/XXXX. This payment was sent to XXXX XXXX. The provider transferring the mortgage. The new mortgage provider is Shellpoint Mortgage and before any transfer notice was received. On XX/XX/XXXX the first mortgage payment to Shellpoint Mortgage was process through bill pay. On XX/XX/XXXX, I received a notice from Shellpoint Mortgage notifying me that the XXXX payment has not been received and is past due. This notice also indicated that an additional amount of {$400.00} was also now due, with no indication on how or why this additional amount was derived. I assumed it was a late fee. 

I then contacted Shellpoint Mortgage and was advised that the XX/XX/XXXX payment was never received from XXXX XXXX  and for me to provide personal banking information and supporting payment confirmation. I complied with payment history for XXXX from XX/XX/XXXX through XX/XX/XXXX and Shellpoint payments for XX/XX/XXXX and XX/XX/XXXX. This communication was sent via email to Shellpoint Mortgage. I received an auto reply indicating the message was received. 

I have not received any response from Shellpoint Mortgage as of XX/XX/XXXX. 

On XX/XX/XXXX I received a large envelope via regular first class mail. It contained a legal notice from Shellpoint Mortgage that the mortgage payments are behind and that they have the right to foreclose. It also indicated that the outstanding amount is {$2400.00} and that the credit bureaus have been informed about the late payment, missed payment or other default on the account. 

I am at wit 's end. I have contacted Shellpoint Mortgage twice and received no guidance and have sent two emails with supporting information with no response. 

Should I be forced to just pay the {$2400.00}? What confidence do I have that the credit reporting would be corrected. Should I be forced to re-finance? 

It should be noted that XXXX XXXX  has filed for chapt. XXXX protection and the preceeding company, XXXX XXXX has also filed chapt. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information appearing on the credit report. 

I have asked and sent in many supporting documents in regard to information that is reported on my credit report. 

Please verify with supporting documents or remove the following information Please removing the following accounts : XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Hard Inquiries XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

On or about XX/XX/XXXX2024 I applied for a personal loan thru OneMain Financial. I submitted the application allowing my credit to be checked. Once the credit process went through the website told me I was approved for up to {$16000.00} unsecured or {$20000.00} secured BUT I would be getting the email to finish the process. I never received an email and there was nothing in my junk folder. 

I called today on XX/XX/XXXX to inquire why I didn't get an email. And I was told I was not approved any loans at all. I check my credit report and One Main did in fact pull my credit. Worst of all I didn't get any adverse action notice that I was declined. 

This is an extremely deceptive practice and I even believe that the law may have been broken here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not remember applying for a credit card on XX/XX/XXXX. There was some sort of hard inquiry done without my knowledge that destroyed my credit score by lowering it XXXX points in less than one month. It is literally against my religion to borrow money ; I pay everything in cash or with my ATM card and have been since at least 2013.
Product: Payday loan, title loan, personal loan, or advance loan

I missed the XXXX and XXXX Payments for my loan. On XX/XX/XXXX I recieved an email from XXXX stating " Your Personal loan is currently XXXX days past due, with the amount of {$530.00} needed to bring it up to date. '' I logged in and paid {$550.00} on XX/XX/XXXX. A few days later on XX/XX/XXXX, I logged in and paid the {$370.00} ( normal monthly payment ) XXXX days ahead of the XX/XX/XXXX XXXX date. 

Today i received a call from XXXX saying that i am still 30 days behind and need to make a payment of {$360.00} ASAP in addition to the XX/XX/XXXX payment of {$370.00}. 

I explained the email i received to the rep on the phone. They said that i had missed XXXX payments totalling {$740.00} and that i only paid a portion of that. So when i made the XX/XX/XXXX payment it covered the remainder of the outstanding payments instead of covering the XXXX payment. 

Online banking also does not show the outstanding amount of {$360.00}. The rep said that online banking will always show the full monthly payment not what is actually owed. 

Online banking also shows no late fees or any fees on the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXXXXXX XXXX XXXX  SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX XXXX XXXX the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX Opened XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is regional finance. XXXX financial also reported duplicate accounts and now i am having trouble getting those two accounts removed. i sent the credit bureaus the proper documents. regional finance and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with regional and hopefully XXXX has put one out like i requested since i reported both companies the nc doj