23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural living and breathing person ; consumer. I previously filed a complaint in regards to the inaccuracies for the accounts, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, which appears on my consumer report. I am aware that these accounts refer to transactions and experiences which is not in accordance with the Fair Credit Reporting Act. Experian responded that the companies verified that the disputed information was accurate as reported, and as I am not content with the results, I now would like proof of the reinvestigation which took place to confirm the accuracy of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I applied for credit with XXXXXXXX XXXX a week are two later I received a call from a lady name XXXX telling me I had been approved for XXXX. I told her I'd come in that following weekend AndWhen I did make arrangements to go in I called XXXX from outside to make sure she was correct about what she had told me bout the credit amount for me. She assured me it was correct. When I got inside she greeted me and told me to look around. I finally chose a freezer which was XXXX she went to check her numbers I was just trying to establish a credit line.When she returned she told me the credit line would be from someone else in the store Preferred lease but nothing about a change in price are anything.They tried to go up on what I had decided to get but I didn't. Now after in being hospitalize in XXXX and being late with my payment I find out that are charging me {$940.00} for the freeze.I have the invoice I was given say 's chest freezer XXXX and XXXX deliver.Now I see they're on my credit report for XXXX. So not fair. Help me please Im on a fixed income and I never would have gotten this I could have bought a freezer for XXXX at XXXX XXXX
Product: Vehicle loan or lease

I contacted Bridgecrest bank in Arizona. I paid off my loan. Im trying to purchase a new vehicle. The loan is at a XXXX balance. They gave me a letter stating that the loan was it a XXXX balance I needed the lien removed so I can purchase my new vehicle, theyre claiming that there is a 10 day hold on it which I get but I dont get because they were worried about the money not clearing but they couldnt let me a title either way because theres a XXXX balance on it. I have a letter stating that my XXXX  XXXX XXXX  was paid in full and had a XXXX balance they refused to take the lien off of the title, so that I can proceed with my new loan for my new vehicle.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX  and the Consumer Financial Protection Bureau, Case No. XXXX provided a letter stating that the XXXX XXXX account in question was accepted as a fraud claim. The charges and late fees were made to a XXXX, and a request was sent to Equifax and XXXX to remove the reporting that resulted for this XXXX XXXX account . A copy of the XXXX letter is provided with this report. 

I wanted to add that a complaint was filed with CFPB first regarding Equifax 's reporting of XXXX XXXX XXXX now the XXXX XXXX  was strangely re-added to my Equifax report, with no explanation. This was obviously not computer generated, since there was no change to my credit score, only a re-addition to my credit report of this fraud account.
Product: Credit reporting or other personal consumer reports

This CEPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate and false information consist of A credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you wnich shows the atorementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and EXPERIAN are refusing to remove inaccurate accounts on my credit report!!! Please Help! 

XXXX did a PROPER investigation and found the following accounts are inaccurate and have deleted them from my credit profile... please see attached XXXX and EXPERIAN never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate across all three Bureaus. 

They stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal of ALL inaccurate items on my credit report Also the credit bureaus took more than 30 days to complete an investigation The accounts in Question that XXXX has deleted from my credit profile : 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
Product: Money transfer, virtual currency, or money service

My Marcus by Goldman Sachs cd matured. I request and received a physical check for {$320000.00}. I deposited the check into my XXXX XXXX XXXX account. Service contacted me and stated the check was returned uncollectible. I've called XXXX and can't get a straight answer as to why this happened or when it will be resolved. One XXXX representative stated it could take 30 -90 days to resolve. A supervisor stated the investigation will take 1-3 days but couldn't tell when it would be resolved.
Product: Debt collection

this company is reporting to transunion on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is re-reporting a previously removed fraudulent collection account that was a result of identity theft. The account listed under XXXX XXXX XXXX was removed in XX/XX/XXXX, However, Equifax re-reported it in XX/XX/XXXX without notifying me. This is a clearly violation of the FCRA as they are not supposed to re-report a previously removed account without notifying me which they did not do. 
In addition, there customer service representatives were of no assistance and did not care that the account had already been removed.
Product: Payday loan, title loan, personal loan, or advance loan

I requested Money lion 's {$500.00} credit builder loan in XXXX. I never received the funds. They were suppose to be in my bank by XX/XX/XXXX. As of XX/XX/XXXX, I still haven't received the money and I am paying on the loan. I have created a ticket with their dedicated team to fix this. I was told to allow 3-5 business days. I allowed XXXX weeks, called and every time its another 3-5 business days.
Product: Debt collection

I previously filed complaint XXXX with CFPB XX/XX/XXXX regarding GoodLeap LLC XXXX The company response was that they would respond to me directly by mail, but they did not send a response to the complaint. 

I also filed a complaint with the Department of Financial Protection and Innovation on XX/XX/XXXX - complaint # XXXX. GoodLeap responded to the complaint on XX/XX/XXXX stating in short there were errors and confusion, and they mishandled the assumption process and would have all negative credit reporting removed from my name. Signed by XXXX XXXX - Fraud Analyst of XXXX As of the date of this complaint, GoodLeap still has not removed the negative reporting. I have contacted them to request removal and they have not responded or removed the negative information from my credit report. 

I have disputed this with the credit bureaus as well - GoodLeap continues to respond to the credit bureaus the information is valid - even after admitting their mishandling and the information needing to be removed. 

GoodLeap is claiming I opened an account with them in the amount of $ XXXX on XX/XX/XXXX. I never signed an agreement to assume $ XXXX in debt with GoodLeap or LoanPal. They do not have a signed contract to support this account. 

When I request support for the account, they forward an agreement with LoanPal in a lesser amount - that was subsequently voided. They left this important information out of their response to the Department of Financial Protection and Innovation - complaint # XXXX. 

GoodLeap admits they made errors and was confused as noted in the attached excerpts. They are also aware they do not have a valid agreement to support this debt. They are maliciously reporting negative information on my credit to intimidate and bully me into assuming someone else 's full debt, due to them ( admittedly ) mishandling the process. 

GoodLeap 's malicious behavior is not allowing me to continue my business affairs and making me loose income.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate.
Product: Debt collection

I have worked as a XXXX during this entire pandemic and continue. While working at XXXX if XXXX I began feeling a intense pain in my XXXX XXXX XXXX. After work I went across the street to XXXX of XXXX hospital. I told MD my symptoms and that I would be self pay because my insurance wouldnt begin until XXXX of next month. I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was given unnecessary exams mounting to XXXX after a XXXX self pay credit. Only for MD to prescribe the XXXX XXXX XXXX XXXX XXXX XXXX. Health insurance does not permit unnecessary exams and will not pay out for them. This is to prevent abuse of insurance claims and exploitation of the consumers. As self pay I should receive my healthcare under the same guidelines. I should not be exploited because I am XXXX XXXX  and taken advantage of in a moment of weakness. I risked my life taking care of others at XXXX XXXX during height of pandemic. I deserve more than to be scammed. This matter is causing a financial hardship and is potentially ruing my credit while I am seeking homeownership. I worked my credit back up to XXXX. I eventually went to XXXX XXXX XXXX and XXXX XXXX treated me effectively. My bill was XXXX which I paid. I have paid XXXX for the above.
Product: Prepaid card

I I have around XXXX American Express gift cards given to me over the course of 3 years, totaling $ XXXX. Not a single card works for purchases inside stores or online. You call the customer service number, and it won't give you a human to speak to. I found another number for them on XXXX and the representative confirmed multiple cards were active and had money on them. 



However, when asked what I can do to use my cards, he kept repeating that there is no fraud and that I can use the card in stores and online. I explained to the representative that I was unable to use the cards anywhere, he just kept repeating the same lines about being able to use them in stores or online. He gave no help with how to retrieve the money or fix the issue. I am livid, this was what I was going to spend on XXXX gifts. At this point, they are stealing money and doing nothing to resolve the issue. I've talked to other people, and they've had the same issue with American Express cards. I don't run into this problem with visa gift cards. 



What can I do to solve things? They aren't giving consumers any choice but to allow them to steal their money. 

Thank you
Product: Mortgage

My mortgage was recently transferred to a new service provider, Lakeview Loan Servicing LLC effective XX/XX/2021 XXXX loan # : XXXX ). 

I have been up to date on every single mortgage payment ( overpaying my mortgage in-fact, towards principle ) and made a regular {$2500.00} mortgage payment to my previous mortgage service provider on XX/XX/2021. The previous mortgage service provider, XXXX XXXX XXXX XXXX ( Loan # : XXXX ), received my payment and for XX/XX/XXXX and then confirmed they passed on the payment to my new service provider effective XX/XX/2021. 

However, my new mortgage service provider ( XXXX XXXX XXXX ) says they have yet to receive the XXXX mortgage payment that I paid to XXXX XXXX XXXX and has since called me every single day asking me to make the payment. I've received calls, voicemails, and letters from them to make the XXXX payment -- despite the fact that the payment was confirmed to be passed on by my previous mortgage service provider. 

Can you please track down whether Lakeview Loan Servicing LLC received my XXXX mortgage payment from my previous mortgage service provider and have them apply it against my mortgage balance please?
Product: Credit reporting or other personal consumer reports

i am trying to freeze my recently deceased daughter 's credit with XXXX, Equifax, XXXX. However, there is no way to do this with experian unless i set up an XXXX account, If I set up an experian account nformation is mine, and not my deceased daughter 's information. I tried calling XXXX however there are no CSRs to answer questions. I must write a letter. 

it is ridiculous that there is no way to report a deceased person to these credit reporting agencies. 

i need XXXX to freeze my deceased daughters credit without having to jump through hoops. 

I called my Senator 's office who advised to go to https : //www.experian.com/freeze/center.html to freeze her report. But, I must create an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint 60 days ago and still have not received a response back from any of the bureaus, they have been closing my complaints by sending back authorization of verification when I have sent all documents with all Identification including : Drivers License, Social Security Card, and Proof of Address, this has been more time than allotted to respond, please delete all accounts not verified at once, I feel I am being ignored and if I send another letter this will go no where. Please do not respond with anymore authorization for verification, I feel this is a stall tactic to gain more time for not doing your jobs correctly, I have supplied all items needed for the investigation to take place, and you have neglected to do so. I am not just another nobody, this is affecting how I live my life. 
Complaint numbers as follows : XXXX : XXXX  XXXX : TRANSUNION XXXX : XXXX XXXX : XXXX
Product: Credit reporting

Original dispute case number unwilling to correct Describe what happened so we can understand the issue ... 

all fraudulent inquiries : XXXX XXXX/XXXX/XXXX BK XXXX XXXX XXXX/XXXX/XXXX BK XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXBANKXXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXXBANK XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXXBANK XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX as well they do n't list that i only now have XXXX XXXX account and the credit limit is XXXX i have told these people and told these people about my ex wife becoming upset over child support issues and trying to ruin my credit and they fail to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial imprperly obtained my credit report as there was no permissible purpose. I never entered XXXX XXXX 's site to ask for any loans. Furthermore, it is OneMain Financial that gave me a hard inquiry on my credit reports, NOT XXXX XXXX. 

This is an unacceptable response from OneMain Financial. If this is not rectified immediately, I will refer this to the OCC and will seek legal advise when when warranted. I will not let this company ruin my credit when I NEVER authorized it nor any of its partners to check my credit report on or about XX/XX/2023. 

This is OneMain 's UNACCEPTABLE investigation and answer to my first complaint : " OneMain records indicate that on XX/XX/2023, you received an offer to apply for a OneMain loan through the XXXX XXXX website, a financial services website that helps consumers find personal loans. Specifically, on the XXXX XXXX website, you provided information to determine if you had loan offers from participating lenders. Based on the information you provided, XXXX XXXX showed you available loan offers. You selected the OneMain offer. After selecting the OneMain offer, you were redirected from the XXXX XXXX website to the OneMain website to complete the OneMain loan application. ''
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/scrub>XX/XX/2023 -- -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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, credit repair services, or other personal consumer reports

RE: XXXX XXXX XXXX/ XXXX XXXX        My complaint is against XXXX XXXX XXXX also known as XXXX XXXX. I currently hold a home loan with them! My mortgage loan was sold to them (XXXX XXXX) back in XX/XX/XXXX. Since my loan was sold to them, it’s been a total nightmare! They claimed my loan payments were late when they weren’t! And I just got with them. They have been calling and calling harassing me as if I’m not making my payments!  When I first connected with XXXX XXXX they told me when I could start making payments, which was told to me wrong when I spoke to them in XX/XX/XXXX. They told me by XX/XX/XXXX is when I could start making my payments.  Fast Forward a couple month..  I went to check my credit file, my credit file indicated that I was still with XXXX XXXX XXXX XXXX all the way until XX/XX/XXXX...although payment were going to XXXX XXXX.  I also was writing to XXXX XXXX (XXXX XXXX) trying to dispute this situation several times and also behind a late payment for XX/XX/XXXX...And need I remind you, I WAS SOLD TO THEM and this is happening. I did not hear back from them at all! After making several attempts to reach out to them, I noticed they have me late again for several months when I was not! When a Loan has been sold to another loan company, consumers are entitled to protection. Mortgage companies have a legal obligation to protect consumers during loan transfers. And I felt like I was not. I did receive a letter from XXXX that my loan had been sold but when I call XXXX, they told me to give XXXX a call. I never received the Transfer notice. So I did call XXXX and that’s when they told me I had time to make arrangements but I still end up getting a late. I was in good standing with my last loan company up until I was given to XXXX (XXXX XXXX)…I am sending copies of the payment History dates that I made payments before the XXXX   day late! Oh and why I ended with making payments before a XXXX day late is because how my payments started with XXXX.
Product: Credit reporting or other personal consumer reports

Your recent claims have cast a significant cloud over my financial standing and have the potential to cause significant damage to my creditworthiness. I want to express my dissatisfaction with the recent assertions you've made regarding my accounts. I firmly reject these claims because they lack substantial material facts or evidence to support your contentions. I would also like to emphasize my strong objection to your decision to reject my identity theft claim. The determination of whether I have been a victim of identity theft should be made through established legal processes, not by your organization. Your authority or legal standing does not grant you the right to make such a determination on my behalf. Please delete this account : XXXX XXXX
Product: Debt collection

I have called and tried to pay this debt twice even though the debt is my ex husbands not mine. However when I call Ive been told I have to pay {$1.00} for them to run a credit check to show me my score before they will let me pay off my debt. I opened a dispute last time it happened and now my credit score that was in the XXXX has dropped to the XXXX all because of a less than {$400.00} bill that I can pay but they wont let me pay it!!! I asked for the matter to be escalated to a supervisor last time and she said she couldnt do that until I paid the {$1.00} for her to show me my credit check whenever Im already well aware of my credit history and report.