23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as i\ to 15 U.S. Code S 1681. Account Name : Comenity Capital XXXX Credit Report I reviewed my credit report on XX/XX/year> I noticed somethings are incomplete and not accurate. I wrote to said company ( certified mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, if after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I called The Barclays customer service line on XX/XX/XXXX at approximately XXXX regarding clarification on the {$100.00} companion ticket credit. I signed up for this Barclays XXXX XXXX credit card in XX/XX/XXXX so I am a new customer. The credit card has so many features and benefits that I would like to take advantage of them but I have a lot of questions as to how they function. The customer service representative that I spoke to told me that I would receive the {$100.00} credit on my credit card account after I purchased the airline tickets. I purchased the tickets for myself and my companion on XX/XX/XXXX and waited for several days to see the {$100.00} credit appear on my account. I never saw the credit and when I called back on XX/XX/XXXX and spoke with XXXX ( operator ID # XXXX ) she informed me that the information I was given by the previous representative was incorrect. I expressed my concerns to XXXX and explained that I felt deceived by my credit card company and was very unhappy and frustrated. As a consumer I feel that we apply for new credit cards because of the features and benefits they offer, however we need to understand how to use them. I am not happy with the customer service and I am not happy with the misinformation I was given. I have been given misinformation by several customer service representatives and I feel that the credit card company is taking advantage of consumers who dont understand the features and benefits.
Product: Credit reporting

Equifax is reporting negative information in my file and I am disputing.
Product: Vehicle loan or lease

The loan was designed with interest out of my financial Income the rates were up to the maxim. None of the principles were being paid I could not keep up the payments for the automobile. a XXXX XXXX XXXX purchase XX/XX/XXXX. The car has now been repossessed. The letter for repossession was never received the car was repossessed XX/XX/XXXX, I received a letter to auction the car in a private setting on XX/XX/XXXX.I have a choice to auction public auction. I tried to refinance the car at the credit union it was over finance. It Was to much interest on it was not worth it. I had no way out I went every where for help.the company refuse to lower the interest rate.this has been a stressful situation. My credit is being placed in a situation. I can not deal with. I tried to pay what I could. The person who reported the had but nails in my tires the did every thing they could to get t me strained. I never saw any thing like that in all my days. I am XXXX and living on a fixed income. I would like to mention I 've even been run off the road on several occasions. and almost XXXX.
Product: Debt collection

Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$620.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$350.00} Highest balance {$620.00} Terms This should no longer be on my credit its past 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. Thanks for your help. I've had a problem with XXXX reporting usage of my credit card with them for over a year. Yet when I call the company there is a remaining zero balance, no usage in several years and they told me in approx XX/XX/2022 they would correct the issue when it showed a 20 % usage and now the XXXX report I received today shows usage of over 50 % with a balance of over {$1000.00}! I don't have excact date I contacted them but can get the info if needed. I'm going to close the acct all together because this keeps happening.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : I transferred money from XXXX to my Chime account. Initially, I wanted to put the funds into my Credit Builder account, but I noticed that whenever I transferred money there, it was redirected to my other Chime account instead. 

Three hours later, I realized the money had not transferred from XXXX to Chime as part of an instant transfer. I contacted XXXX, who initiated a dispute. According to them, there were no issues on their end, as the money shows as sent and the recipient ( Chime ) received it, according to their statements. 

I took screenshots of my statements and sent them over, along with previous screenshots I had already submitted. 

XX/XX/XXXX : I contacted Chime support, and one representative told me that I would receive my money either that day or the next ( XX/XX/XXXX ). When nothing showed up by XX/XX/XXXX, I reached out to support again and was on the phone from XXXX XXXX to XXXX XXXX. The manager, XXXX, informed me that I wouldnt be receiving my money back and that it could take up to 90 days. This conversation was recorded. She mentioned that the previous representative did not follow the proper procedure. While I acknowledged this, I argued that since I was told I would receive the funds, I should still be given them. I also mentioned my background in Human Resources.

I asked to be transferred to a higher manager or someone from the dispute department, but XXXX refused, claiming there was no one else above her or in the dispute department, which I found hard to believe. 

During the call, I received the following information : Chime employee XXXX XXXX ( Follow-up for the investigation on the phone calls ) Reference number : XXXX ( Request directly to the resolution team to post a temporary refund ) After this, I reopened my case, as they had previously closed it. I called again the following Tuesday or Wednesday. The representative told me to expect an email from the dispute team with instructions on what additional information I needed to provide. Even though I had already sent XXXX statements, no one seemed to cross-reference them to verify that the money was sent from XXXX to Chime, not the other way around. They asked me to send more documents, even though I had already provided bank statements and screenshots showing the transaction. It didnt make sense to me, as I thought that was all the information needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX 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 reporting, credit repair services, or other personal consumer reports

I resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 
I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted. The apartments filed three judgments against me with the XXXX XXXX XXXX Court. The leasing manager, XXXX XXXX, drafted and filed a letter with the XXXX showing that all judgments were satisfied. However, I have attempted to apply for a rental home and apartment and the judgment remains on my public record : XXXX XXXX. XXXXXXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. I called the XXXX court and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of Judgment. 

XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. Phone : XXXX. 

Every third party the apartment or property management company for a rental home is denying me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX XXXX Court, or XXXX XXXX XXXX should resolve this matter. I checked XXXX, XXXX, and Transunion, and the judgment is not listed on it. This must be on a third-party tenant database.
Product: Credit reporting

I was denied credit on XXXX. I pulled an Equifax report on XXXX and found XXXX negative items, XXXX of which were supposed to have been removed last year in XX/XX/XXXX. I compared the NEW Equifax report with an Equifax report I pulled in XX/XX/XXXX. The information on these account WERE NOT THE SAME. All three negative accounts had removed the original date of negativity. Either Equifax is keeping INACCURATE CREDIT RECORDS on file or ALL XXXX Creditors changed my credit history with them. ( see attachment to copare the XXXX acccounts. ) I then called Equifax and this is pending a resolution. To my understanding, a negative account is supposed to come off your record after 7 years using the first day your account became negative. The person I spoke with at Equifax is telling me it is really the date of the last activity you have with the account. If this is the case, it is no longer 7 years to have a negative rating, but in my case. 9 years of a negative credit record. Please investigate this issue. If this happened to me, how many others out there?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the incorrect items on my credit report it has been over 30 days and I haven't received any investigation results.
Product: Student loan

I am writing to request your assistance with a very serious issue I am experiencing with a private lender, for my graduate school loans. 

I am a XX/XX/XXXX graduate of the XXXX program at the University XXXX, XXXX. For the last XXXX years, I have been diligently making monthly payments per the terms of the loan, except for a few periods when I had to go on lender-approved forbearance ( i.e., temporarily stop making monthly payments due to financial hardship ). On XX/XX/XXXX I was laid off from my job. XXXX days after I was laid off ( XXXX XXXX ) I sent the attached letter to the company servicing the loan ( American Education Services ) to notify them of my layoff and to request a forbearance. This is exactly the process they directed me to follow in order to have my concerns heard by the lender. 

Since sending the letter on XXXX XXXX, the lender has completely ignored my written correspondence and has now sent my loan to collections. American Education Services ( again, the loan servicer hired by the lender ) states that I have exhausted all opportunities for forbearance and that they are unable to work with me on any kind of revised payment terms. Even though I have followed to a tee every instruction they have given me, the lender is simply unwilling to even acknowledge my issues, let alone discuss revised payment terms.
Product: Credit card

The issue is with the apple credit card ( Goldman Sachs ) Two payments were made on XX/XX/24, one for XXXX $ and one for XXXX , the one for XXXX $ posted like it always does, no idea what happened to XXXX $ one until I get a notification that the XXXX $ payment failed on XX/XX/24. 
Tried making a payment on the XX/XX/24 but it didnt become available immediately like it always does, so I cancelled it minutes after and try a smaller amount, same thing, so I cancelled it and tried a smaller amount again, same thing, so I cancelled it and try a different amount, same thing but I didnt cancelled the one because I forgot. 
On XX/XX/24 payment processed for XXXX XXXX it was withdrawn from my account but didnt reflect on my available balance. 
Contacted support, they said it was on hold due to a previous returned payment ( referring to the previous cancelled payments ), I argued that a cancelled payment is not a returned payment but was told that was the issue and that the funds would be available in some business days. 
On XX/XX/24 I contact support again as I am now aggravated that they have had my money for 3 business days and its not showing on my balance yet, Im told the same thing, returned payments was the issue, was transferred to 3 different specialists and a senior specialist who all said the same thing, the payment of XXXX $ made on XX/XX/24 and posted on XX/XX/24 was on hold due to the failed payment of XXXX $ made on the XXXX. 
They keep arguing the payment was returned that same day, the XXXX, yet, on my end, it was on the XXXX, and more importantly, Ive never made a payment to them that is withdrawn the same day, never, so Im confused as to how it was returned the same day according to them. 
This wouldnt be an issue if I had been warned before making the payment that it would/could be put on hold, I wouldve not made the payment, but no, they didnt provide any warnings or explanations, they are just holding the money, for 10 days, should get it by XX/XX/24 according to them.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX, I am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this charge-off is incorrect for the following reasons : Your agency ( XXXX XXXX, Acct. # XXXX ) is reporting to my consumer reports TWICE! VIOLATION!! Numerous inaccuracies. One report XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows High Credit reporting {$1000.00} on XXXX & {$240.00} on Equifax XXXX INACCURATE! Account Status shows on One Report XXXX XXXX XXXX reporting Derogatory, & Equifax reports Transferred. The other report shows XXXX reporting Transferred, Equifax reporting Derogatory. This is confusing! and has caused adverse affects on obtaining credit. Date Opened on XXXX report XXXX reports XX/XX/XXXX, XXXX XXXX Equifax reports XX/XX/XXXX. One Report reports XXXX XXXX XXXX shows Collection/Chargeoff & Equifax shows Current. INACCURATE! Comments show on one report XXXX reports Current & Equifax reports XXXX. Comments show on second report Charged off as bad debt. Purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX INACCURATE DATA REPORTING! On second report XXXX XXXX [ Account # XXXX ] shows Last Reported : XXXX reports XX/XX/XXXX & Equifax reports XX/XX/XXXX. 

Clearly there are numerous inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer reports from XXXX  ) REMOVE both of these accounts IMMEDIATELY!!! Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported.
Product: Checking or savings account

Moneylion has been constantly withdrawing money from my account! I spoke with a fraud department representative for Moneylion on XX/XX/XXXX and after talking for almost XXXX hrs we were told that my Moneylion account would be frozen and suspended while the investigation is launched, meaning no transactions or anything can be done with my account. At the end of the call with the fraud department, I was told that I would receive a case number in my email for my account investigation, I even have a voicemail that was left on my mobile device confirming that the case number would be sent to my email. Here I am today with no case number, and no representative answering the fraud department line even after being on hold for over XXXX. 
I first noticed my Moneylion account was breached on XX/XX/XXXX after receiving notifications of unauthorized transactions being processed from my primary bank account through Moneylion. Also, on XX/XX/XXXX there was another big breach into my account after noticing more unauthorized transactions being processed, these transactions totaled more than {$1500.00}! Today XX/XX/XXXX I have had a total of over {$2500.00} withdrawn from my primary external bank account for Moneylion payments and deposits even after reporting this account to the fraud department.

I havent used my Moneylion account in over 6 months in XXXX since I began working my new position with the United States Postal service, so it was mind blowing that so many transactions as well as loans and withdrawals from my external bank account was being processed by Moneylion. I CAN NOT GET THEM TO STOP TAKING MY MONEY and it is getting in the way of my real bills and paycheck deposits. Im seeking help in this case because this company obviously doesnt care about the claims and complaints from customers. THIS IS NOT ME USING THIS MONEYLION ACCOUNT and I refuse to keep losing money over a careless company! I will be taking all steps necessary to pursue legal actions against this company in hopes to stop the fraud and to receive my hard earned money back. 
( I also have photos of all the unauthorized transactions Moneylion have processed in less than a month totaling more than {$2500.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove addresses and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

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

XXXX XXXX XXXX XXXX XXXX MT XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XXXX US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$13.00}. 

According to FCRA Section 605B ( a ) the 3 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: Credit reporting or other personal consumer reports

Please be advised that this is my third writing request and final warning. 

I also intend to pursue litigation in accordance with the FCRA to inforce my rights and to seek relief and recover all potential monetary damage that I may entitled to under section 616 and section 617 regarding your continued wrongful and negligent non compliance. 


Despite my numous dispute letters the unverified items listed below still remain on my credit report in violation of federal law You states in your response to my numous letters that you have verified that the listed items are mine but you failed to send me documents that you use to verify these accounts ad per my request and my legal right. 

The simple fact that you have ignored my request to send me documents that you use to verify dispute accounts is EVIDENCE you can not and did not verify accounts disputed.Your failure to delete the disputed account in question that you can not verify after numous letters is also evidence of your willful disregard of federal law Upon entering litigation, and through the discovery process you will be required to produce these documents along with a affidavit swearing under oath that these are true and correct documents that you use to verify the dispute accounts at the time of my request The fact that you don't have any of the said documents in your files is proof that you did not properly verify the within 30 days as required by and the court will order you to delete them. 
You said that you have reinvestigate, and /or verified these accounts, but in your inability to provide physical proof you are and have admitted that all you have done is parroted information given to you by other also unknown as creditors, and attempt to put the burden back on me, and me to contact the creditors to verify accounts this type of behavior and action is clearly in violation of 1681 ( a ) ( 4 ) FCRA REMOVE ACCOUNTS XXXX XXXXXXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX XXXXXXXX {$8700.00} XXXX XXXX XXXX XXXXit {$1400.00} XXXX XXXX  {$2800.00} XXXX XXXX
Product: Checking or savings account

Today XX/XX/14, I used XXXX to send a payment of {$170.00} for 2 tickets to a registered XXXX user with an email address of XXXX and a Chase transaction number XXXX. They provided me with that email. 

That person never replied back with any confirmation. I was scammed. I called Chase and spoke to their claims department who seems to say that they couldn't do anything other than submit a complaint to XXXX. They offered to email me with the request but to no avail I have received nothing. I am looking to track down what banking institution my money was sent to and who this person is. 

What is frustrating is that the bank absolves itself from this issue ( XXXX  ) but yet promotes it as the way to send money. There are no security features to prevent fraud or scams.
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report because I have not received anything from the debt collection company or that my loan was sold. I was approved for XXXX benefits and they still reported my account as delinquent and put it in collections. XXXX has removed the account from my report but Transunion and XXXX has not