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

MoneyLion plus XXXX offers a multiple of products. An invitation to join and I did only to discover a bate to get you switch bank to get loans and other products to create a hardship if not careful. My issue is with XXXX product which offers loans with no interest plus ask you to TIP from {$0.00} {$9.00} and asks 2 times plus charge a fee if you request to receive quickly. Should you sign up and this company your banking then you get your check up 2 days earlier. Plus offers product of credit fixing {$19.00} monthly fee in order to receive XXXX. Misleading and discriminatory products. 

My complaint is this company posted repayment on XX/XX/2022 when it should have posted XX/XX/2022 and created an overdraft fee of {$36.00} at my bank. The explanation they gave is thats the date and I had an opportunity to change date, not true. Because the other products/fees posted on XX/XX/2022. Plus because I did not opened an account by changing banks, an account that was a virtual wallet account. Please investigate the fraudulent scam
Product: Credit card

On XX/XX/XXXX, I purchased a desktop computer from XXXX. I was approved for XXXX finance for 12 months/no interest but with monthly minimum payments. ( I'm also waiting for a refund from XXXX. They sent the wrong software, and the XXXX warranty never showed up as valid when I needed to call support after I received my computer. ) I found that the financial account is through Comenity Capital Bank. I have called several times, but couldn't understand the people ( foreign ) to get names. I asked for them to give me my account number so I could register on the website to enter my account. They couldn't give me the account number over the phone. They also said that they sent the card and I should have received it. I did not receive it. They said they would send another. I have not received that. 

I can not log in to my account at Comenity Captial Bank because it asks for my account number, as well as my SS number and date of birth. They said that I could pay on it by calling them but I'm a little leary of that since I can't even get an account number. 

My first payment is due XX/XX/XXXX. I have excellent credit and this will mess up my credit score. I don't know if you can help in anyway?
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed collections and closed accounts on my credit file that are not accurate nor do i recognize them. These inaccurate accounts are violating my rights and hurting my ability to obtain credit. 
I recently contacted XXXX multiple times about removing these accounts off my credit Report and didnt get it resolved at all. 

XXXX {$750.00} XXXX XXXX  {$890.00} XXXX XXXX  {$950.00} XXXX XXXX XXXX {$6100.00} XXXX XXXX  {$1000.00} XXXX XXXX XXXX  {$19000.00} XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00}
Product: Debt collection

I am not liable for this debt with XXXX XXXX SYSTEMS. I do not have a contract with XXXX XXXX SYSTEMS. They did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres incorrect information on my credit report. I spoke with XXXX XXXX in regards to an collections account for XXXX XXXX XXXX, in which they advised me that True Accord was the secondary agency, handling the account & I would have to call them to payoff the balance. After speaking with an agent at True Accord, he advised me that a payment of {$350.00} was needed to settle the debt and have the collection removed from my credit report. After making the payment on XX/XX/2020, the agent agreed to immediately forward the proof of payment to XXXX XXXX, so that the they can have the collection deleted from my credit report, being that they were the ones who reported it. Prior to making that payment, it was understood that Im in the process of closing on my home and needed everything to be processed swiftly as possible. The agent advised me that I had nothing to worry about, because it would only take but 3-5 business days to be deleted. Its now been past that 3-5 business days mark and both companys XXXX & True Accord are giving me the run around, blaming each other for the delay in deleting the collection from my credit profile. All Im asking is that they please delete, you all have been paid in full.
Product: Credit card

Dear XXXX, My case number is XXXX. 

I am dissatisfied with American Express Response. 

American Express has completely ignored my complaint that I have made a phone call in XXXX 2015 and closed ALL my American Express accounts With XXXX balance ( call was recorded ). 

I explained to the representative on the phone that I am living XXXX now and all my business relationship with the addition person on the card, XXXX XXXX, who lives in California, has ceased. The american express representative assured me on the phone that all the accounts were closed with a balance of XXXX Dollars ( PHONE CALLS WERE RECORDED THROUGH AMERICAN EXPRESS ) American Express took NO steps in regards to my actual complaint. The company did not address my concern at all. Instead they sent me the charges made on the card ( charges I have not made ). They ignored the fact that my accounts were closed by me with zero balance in XXXX 2015. Those charges were made in XXXX 2015, long after I closed all my accounts. 

Please kindly investigate this matter as my phone conversations to close the accounts were recorded by American Express. 

Please involve federal trade commissioner or any entity that can help justice be served and protect consumers from such negligence. 

Thank you and looking forward to hearing from you. 

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

I got a report on my Credit that says I took out a loan in that state but used a MA. ID card. Property that was lost in a Self Storage.
Product: Credit reporting

TransUnion has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that TransUnion changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had this account and did not provide written consent to report the account : ALDOUS : XXXX XXXX XXXX Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a company on my credit report called Remex and I don't know or never opened an account with this company
Product: Credit reporting or other personal consumer reports

On my credit report there is a hard inquiry from XXXX XXXX loans. Now at no time did I apply for any loan products from XXXX XXXX loans. My information was exposed in the XXXX data breach and on several occasions person/s have tried to open up fraudulent accounts in my name. I am asking you kindly to delete the hard inquiry from my credit report XXXX XXXX XXXX loans.
Product: Credit card

My XXXX year old mother wanted to purchase a chair lift. We found out that XXXX XXXX XXXX had one in stock. When we went to get the item we were told that the item is NOT covered by medicare. However, after contacting medicare we were told that it IS covered by medicare and that the item should be returned and that XXXX should directly bill medicare. When I notified the credit card company of this situation, they called XXXX and were told that they would not agree to the return. This is medicare guidelines, it is not up to the provider of services. They have added interest month after month and late fees. They call numerous times during the day and this is very upsetting to my mother. Please help me resolve this issue so that she may have piece of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX, XXXX, ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX WI XXXX ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$9800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed over 44 disputes with Experian including 2 items in collection for which are not my accounts or are. Experian is allowing multiple incorrect or falsified reports. As well on the most recent dispute I asked for proof as well and they have done nothing to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These hard inquires, were not submitted by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by TransUnion a Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by TransUnion a credit reporting agency on XX/XX/2021. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by TransUnion with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n TransUnion is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer report.
Product: Payday loan, title loan, or personal loan

I on about XX/XX/XXXX advised to send payment via the checking account in the amount of {$380.00} via EFT. I left a voicemail with these instructions and go send the payment on XX/XX/XXXX. I also advised the payment made earlier in the month with the same account info they changed the amount from {$380.00} to over {$400.00} is along with them.not processing an an EFT is why the payment did not go through. The payment I authorized for XX/XX/XXXX was for checking account but they sent it through via a debit card number on XX/XX/XXXX which was not authorized. I then spoke to XXXX around the XX/XX/XXXX and advised  to cancel the payment that was coming due XX/XX/XXXX because I would not be able to pay at that time. I spoke to XXXX in reference to skipping a payment and she said I had to send paperwork that I had a hardship. I advised I didn't have any paperwork just got behind. XXXX then advised I could not defer a payment. I tried to change the payment date and they said that could not be done because it would alter the terms of the contract. Now the vehicle has been repossessed as of XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX and she advised I had to prove I could still make payments by sending in all the same documents I did to obtain the loan. XXXX advised if approved and it is more than 10 days before next payment is due I could pay back months and fees to obtain the vehicle, well at that time it was 11 days until my next payment was due. I sent in the requested documents early in the day on the XX/XX/XXXX so I could get a response that day to my dismay, I got no response from.XXXX  until XX/XX/XXXX exactly 10 days until the next payment which would mean if approved the next payment due on XX/XX/XXXX would have to be paid before I could retrieve my vehicle. XXXX on the XX/XX/XXXX advised I didn't send.in both paystubs..I advised her I would look.for that stub but it was probably in the car that was repossessed. XXXX then told me.to get a letter from my employer stating I am.working there. I told her I would ask. I told XXXX if I could not get the letter or paystub I would just let it go. I asked for the payoff as well because XXXX told me that would be my only other option if all documents aren't submitted. I tried contacting XXXX XX/XX/XXXX several times by phone only to be put on hold for several minutes. After the several phone calls I opted to email XXXX to which I got no response. I know this car will sell for more then the {$5700.00} owed on the loan View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Privacy Act Statement OMB # 3170-0011 Note on user experience Have a question? Preguntas? 
( XXXX ) XXXX An official website of the United States Government
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous time to delete an address on my credit report
Product: Credit reporting or other personal consumer reports

Dear XXXX, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX Attached are copies of my state ID. Warm Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out recently that there was a problem with verifying my social security number when I wanted to cosign a XXXX loan for my child. I dealt with the XXXX XXXX XXXX without success. 

After further investigation, I found out that I was reported as being XXXX  on XXXX XXXX, XXXX. 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being XXXX over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.
Product: Checking or savings account

I have filled serval complaints regarding this ongoing problem with wells Fargo as you can see from the previous. I still have not had a direct answer to what I have been asking for.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX do not have my consent, verbal, non-verbal, written, non-written to share my information with any financial institution. This is a violation of the Privacy Act 1974. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " 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 and XXXX are 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. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law.

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I opened a 10 month promotional CD account with Marcus Goldman-Sachs on XX/XX/XXXX to be closed on XX/XX/XXXX. The routing information to return the funds ( over XXXX ) was incorrect as it was for wiring and Marcus sent it as an ACH deposit ( not clearly mentioned on site I believe ). The funds were rejected by XXXX ( my savings account ) and sent back to Marcus. Since then, I have had much trouble with getting my money back. I spoke to their specialists several times and provided the correct ACH routing number each time as advised by XXXX, but the funds are always sent via a different routing ( wire ) number than what I provided. I even deleted my external link on the account before and corrected it on my end but the money keeps getting bounced back into their CD account. It is XX/XX/XXXX today, and I called XXXX who again states that Marcus has incorrectly sent the funds via wire routing number instead of ACH routing number I have already provided many times. I am appalled that my money is being held hostage by Marcus Goldman-Sachs almost 3 weeks after it was supposed to be returned to me. This almost seems criminal given that no one has been able to resolve the issue and my money is still not deposited into my bank account. Very unacceptable.
Product: Checking or savings account

XX/XX/year> {$560.00} I contact chase bank to let them know that, I had canceled the withdrawal transaction, the branch/ATM in XXXX XXXX XXXX XXXX never issued a canceled transaction receipt. 

I have filled a claim over the phone with Chase bank & it was denied & i also went to the chase bank branch & they slay denied the claim because the card was used, but not by me.