23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a check from Net Spend Corp in the amount of {$6000.00} in XXXX of 2022 and the check was only good for 90 days I was unable to cash the check within the 90 days because I had XXXX for a XXXX XXXX XXXXXXXX XXXX ) and I have been in XXXX XXXXXXXX home since that time I have twice called the XXXX the first time a girl hung up on me, the second time the girl said she was making out the check as we spoke that was in XX/XX/2022 still no check. This check was for ATM withdrawals made in XXXX XXXX XXXX XXXX  not made by me all I want is a replacement check please do what you can for me. XXXX XXXX XXXX.
Product: Debt collection

I received a letter from Midland Credit Management originator XXXXXXXX XXXX XXXXXXXX, that a Business Credit Card was opened in XXXX XXXX Date charged off XX/XX/XXXX. Last payment if any XX/XX/XXXX. Current judgement principal {$8300.00}. I have never had a business of any kind. I did not apply for any type of credit card at a different address living in XXXX XXXX XXXX son has stolen my social security card and identification and used in credit card fraud. On people finder my son name and address/ residence appears to have been used.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went a dealership to finance a car. I expressed to the salesman and also also the finance department that I only wanted to apply to one bank and if I wasn't approved to not use my credit for any other banks. THEY LIED and sought after credit to more than one bank. 
The credit bureaus were suppose to use all of these same date car loan inquiries as one. The following inquiries were not authorized : 1.XXXX/XXXX XXXX XXXX 2.XXXX  XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a federally protected consumer, I am opting out of all reporting from OPORTUN, INC to my consumer credit report per the Fair Credit Reporting Act and the Privacy Act of 1974. Along with OPORTUN INC disclosing my nonpublic personal information to a non-affiliated third party per 15 USC 6802, OPORTUN, INC has also reported the account as charged-off. The IRS considers a charge-off to be income, and not debt, and income can not be reported on a consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert placed on my credit report because of previous hard inquiries from a bank called XXXX XXXX  / XXXX which was resolved with XXXX in XXXX of XXXX. On XX/XX/XXXX another inquiry from XXXX XXXX XXXXXXXX showed up again this time on Equifax this time when I disputed the hard inquiry I was told that even though I have a fraud alert on my account they could not remove the hard inquiry till I filed a report with the CFPB. I am a victim of repeat fraud with this particular company XXXX XXXX, Thank you
Product: Debt collection

When I logged into XXXX to freeze my account, due to a recent identify theft, I noticed a charge of {$200.00} from Sequium Asset Solutions. I have no idea who they are and why they listed on my credit report for me not paying their charge. I have never received any correspondence from them. I disputed the charge with XXXX.
Product: Credit reporting or other personal consumer reports

I noticed an account associated with XXXX XXXX  on my credit report that I did not open or authorize. According to my credit report, the account was opened on or around XX/XX/scrub> 2021. The account is reported as a secured loan with a balance of {$15000.00} and a past-due amount of the same figure, but the details vary significantly across the three major credit bureaus. 

The discrepancies include : XXXX. The Date Opened is listed as XX/XX/scrub> 2021, by TransUnion, but XXXX and XXXX report it as XX/XX/year>2021. 
XXXX. The account is listed as Derogatory by TransUnion and XXXX, while XXXX reports it as Open. 
XXXX. The reported balance is {$15000.00} on TransUnion and XXXX but {$0.00} on XXXX. 
XXXX. The High Credit amount is reported as {$21000.00} by TransUnion but {$0.00} by XXXX and XXXX. 

I have never applied for or authorized this account, and I suspect it was created fraudulently. When I discovered this account, I immediately reviewed my records to confirm that I had no affiliation with this account or XXXX Bank. I also filed a report of suspected identity theft and began contacting the necessary agencies to dispute this information. 

The inaccurate and fraudulent reporting has negatively affected my credit score and caused unnecessary stress. I request that this account be fully investigated and removed from my credit reports to prevent further damage to my credit profile. Additionally, I would like the reporting agencies to notify any company that has accessed my credit report in the last six months of the corrected information. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I tried logging into my account this morning to pay my mortgage for XXXX 2015. I tried on freedommortgage.com, and it would n't let me in so I called customer service, entered my SS Number, and it routed me to a lady who saw all my information, she told me my account was handled through myloancare.com let me connect you. No one answered. I tried to log into XXXX and it would n't let me either. I asked for temporary passwords from each site, each site sent me an email with a temp password, however I still am unable to log into my account. I called Freedom Mortgage back at XXXX this morning and spoke with XXXX, she stated my loan is handled through XXXX go back to them. I tried to explain to her that the XXXX website told me to go back to you - freedom mortgage, she said no, I know it 's confusing because Freedom Mortgage is the parent company to XXXX, but you need to deal with them. Right now I am frustrated with all the lies, and lack of accountability with my account. Is this a SCAM set up this way so I had to pay the {$5.00} extra dollars by phone to pay my mortgage to gain additional revenue? Which I paid by phone calling Freedom Mortgage, so they wont talk to me about my account, they wont let me log into my account, but they will take my money over the phone? I have had issues with both of these entities since day one, I have filed numerous complaints and will continue to do so, until they are held accountable for these outrageous actions and lack of accountability for my loan.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INQUIRY - XX/XX/XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX
Product: Credit card

On XX/XX/XXXX I received a court summons that a credit card company Midland credit was sueing me for unpaid charges. Before receiving this summons I had never heard of Midland Credit. I called my XXXX XXXX clerks office to see what this was about and they advised I call Midland credit directly. When speaking with a representative from Midland credit I was told that XXXX different charge cards were opened in my name and never paid on. I was completely unaware of any of the charge cards I was told about. I have not have any charge cards in my name since 2020 that I myself opened and used. After looking into the payment history, or lack there of, the representative advised me that these cards must have been done fraudulently. The payment history on these accounts were very suspicious. The cards were open, used to their XXXX and never used or paid on again. All within a couple months time. I was told I could dispute these accounts with them and that is what I am doing. I was also told to support my case to file this form with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent, nor benefit from or authorize any of the following Accounts : XXXX  XXXX XXXX - Account # : XXXX - {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with XXXX financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from XXXX stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that XXXX never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from Experian or XXXX. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by XXXX and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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: Vehicle loan or lease

I started my loan with Exeter finance back in XXXX of XXXX  since Ive purchased my loan I have the worst experience customer service XXXX  I get they are a bank and want there money but XXXX  I get so many late fees of XXXX dollars it makes no sense my XXXX statement of account the math is just not mathing I have added and yet I still get charged late fees I am tired of it XXXX alone I paid {$1800.00} for the month of XXXX mind you my car payment per contract is {$820.00} I get my statement for XXXX and I owe {$840.00} how and why am I charged a late fee of {$15.00} when I should be ahead and only owe {$700.00} even I have called and spoke to a manager and I was informed I would get XXXX dollar credit but I dont see it Im tired of this
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I purchased a money order from Moneygram for {$370.00}. The Money order # XXXX. The money order has not been cashed, nor been received by my mortgage company. 
I have contacted the XXXX XXXX. But I am not getting anywhere with them. They have referred me to a web site that I am not able to maneuver. 
I would like to be able to pay my mortgage and also find out where my money is. 
In order to get my money, I will have to pay {$18.00} and if I wanted over night it is {$25.00}. 
Moneygram has not been helpful at all in replaceing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Try to call them and the lady whos responsible for my account dont need any explanation or dont want to here anything told me that all she wants to here is you have to pay the whole amount.
Product: Credit card or prepaid card

I have major issues with Apple Card Goldman Sachs stemming back to last year in XXXX when I ordered a office chair that was never received. I have called in multiple times explaining id like to dispute the charge because the Vendor for the chair told me to dispute it with my bank. I went into detail on exactly what happened, providing evidence and the correspondence with the Vendor. Goldman Sachs disregarded everything I provided and opened a " Fraud '' dispute which wasn't the case and ultimately siding with the Vendor stating they proved I made the purchase, which could of been avoided if their incompetent reps would of listened and actually opened the proper case. Since then I have called back/Chatted in and reopened the dispute trying to explain what had happened and every single time i am rushed off the phone/chat with the rep telling me " do not worry, it is filed under a did not receive claim '' and every single time im let down because they keep opening a " fraud '' charge. Its crazy as i STILL AM trying to dispute this and no resolve. 

Fast forward to the beginning of this year with XXXX. I had made a purchase and returned the merchandise with a prepaid label provided by XXXX. The package was delievered to their warehouse but XXXX  Customer service states they never got it. I have the tracking number SHOWING it was delievered and signed for at their warehouse, provided all of this evidence to Goldman Sachs and again they opened the WRONG dispute. The dispute they opened was a " fraud, Unknown purchase '' and again sided with the Vendor. I can not believe a huge bank such as Goldman could have such horrible and incompetent employees. Now I am stuck holding the bag so to say and have to pay for TWO charges that I shouldnt.
Product: Mortgage

I have my homeowners insurance escrowed for payment. I received another bill from my homeowners insurance company that it still had not been paid. I called the insurance agency and they informed me that i currently do NOT have insurance due to NON payment. After 3 hours trying to get someone to either answer the phone or figure out what is going on, I finally got ahold of someone at MR. Cooper who now tells me the payment went out today!! 

This is unacceptable and I see they have been sued in other states for the same thing. What if something catastrophic happened? Because they didn't pay the insurance i would have not been covered but still made responsible to pay my mortgage. 

Something needs to be done about them not paying peoples taxes and insurances. They are taking our money and not doing what they are legally bound to do according to our mortgage agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and U.S. Bankruptcy Court XXXX Date Filed XXXX XX/XX/XXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I sold some digital game codes on XXXX. Every code sent had the buyer confirm that understand they were a code before being sent, and all codes have a XXXX e mail showing they were authorized, the code was sent, and in two cases the buyers issued glowing reviews. Soon after a few complaints were raised at Paypal saying the charges were not authorized for the codes. I sent the proof to Paypal as well as contacted the buyers and XXXX. XXXX said this was not their issue and to deal with Paypal. I have had multiple contacts with Paypal via email, EFax and phone. <P/>One supervisor a week ago at Paypal agreed with me and issued some credits back. The issue is Paypal is giving full refunds and hitting me with a XXXX fee per transaction. They are saying that Digital codes are not covered under seller protection. They are of course keeping their transaction fees on the non covered transactions. The issues have continued and a Paypal rep today said that I had proven the transactions were verified and shipped yet they will not overturn the fees. They state it is the customer 's bank or card company issuing the fees. I have asked multiple times for that contact information so that I and my bank can dispute them directly and they have refused multiple times. I have also been contacted by an XXXX member who said there is a fraud ring going on with digital codes and he named two of my buyers without any information from me as people who have frauded him. XXXX and Paypal have been given this information and still refuse to act. They now have my account XXXX in the negative with two more pending and are demanding I pay the fees.
Product: Student loan

Just received information about the lawsuit filed against XXXX Colleges to repay the loans that students took out based on their illegal predatory lending partners. I took out a private loan via Genesis Lending when I went to XXXX XXXX in XXXX XXXX, New Jersey. The post-graduation hiring rates were vastly lower than expected, most of my classmates actually went on to work in different fields than that which they studied at XXXX. The " teacher '' must have had little to no teaching credentials seeing as the in class book work was rarely done properly. At the end of my program, expecting to receive more assistance than I did from the career services department, it took me months to get hired at all, and I spent the first month of employment working at an location who had no previous affiliation with the school and whose method of operation was horrendous. I was hired at my current location based on a recommendation by a previous classmate. This location had an affiliation with the school and offered a loan repayment incentive for all graduates of XXXX. Career services, however, did not mention that I had to be hired before graduation and also did n't push me to see this employer before graduating. I did not receive this loan repayment incentive and am now having trouble paying this loan back while I 'm also paying back my federal loans. I am being harassed continually by their collectors. My phone rings at least 3 times on a slow day with them calling me. They have called me at work and at all kinds of obscene hours, both too early and too late in the day. I have tried to reach out to a loan forgiveness program when I heard that a classmate of mind received information on reducing her private loan debt, but the information was a dead end. I feel that XXXX did not hold up their end of the bargain and fed me to the sharks with this private loan. I have been out of school since 2013 and paying back my loan since then and yet have only started to make a dent in the principal balance I borrowed. I have been paying them interest, emptying my pockets to line theirs and have been digging myself deeper into debt. I would like some retribution.
Product: Credit card or prepaid card

Was calling in and checking on a fraud claims and they keep transfer me to different departments and getting rude reps all young XXXX XXXX XXXX .. and refused to pull up my credit card account and check my claim and refused to give me a temporary credit and help me out with my account. The fraud department is a joke and keep giving me the run arounds
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this will go to a human being and not to a computer. The XXXX  XXXX XXXX account on my credit report shows a lot of inaccuracies and the most obvious is the payment history. XXXX  shows that I am on time with no missed payments while XXXX  shows that I am late with a lot of missed payments for the same account during the same time frame. Don't you see that it doesn't make any sense and it is inaccurate? Those information of 2 credit bureaus from the same data furnisher XXXX XXXX  XXXX XXXX XXXX are contradicting each other. The information on someone credit report has to be 100 percent accurate, which is not the case here. The Federal Credit Report Act prohibits you the credit bureaus to keep inaccurate information on someone credit report. You are violating a Federal Law by keeping inaccurate information on my credit report. I have sent multiple letters to Experian about this issue but nothing has been done, it goes to a computer instead. The last letter that I have sent to Experian about this issue was on XX/XX/2020 and Experian signed the postal receipt on XXXX XXXX. It has now been 82 days since Experian received my complaint and the inaccurate information it is still on my credit report. At this point, I am gathering proofs that I will use against you in court including all communication that I have exchanged with you on this matter. I am in the process of buying an house and you are blocking me. Having the CFPB involved is another proof that I will use to show that you voluntarily kept incorrect and inaccurate information on my credit report besides my multiple attempts to have that inaccurate account removed from my credit report. I will also seek damages for the consequences of your inaction which actually prohibits me from buying an house. I am right now filling out the form to sue you in federal court under the FCRA which will award me damages including mental anguish damages, damages for economic loss because of your false reporting I got turn down for an house, punitive damages, my attorney fees the list goes on and on ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 Days today since Ive sent documentation on XXXX regarding to those unknown and inaccurate accounts on my credit report but I haven't received any reply. I was a victim of XXXX  Data Breach. I want all those account will be remove to my credit report or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on credit report is incorrect. XXXX is not my account, Inquiries are not mines and accounts such as XXXX  XXXX, XXXX XXXX and XXXX XXXX I'm not the primary or responsible for those 3 accounts and need to be removed