23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was laid off from my employer on XX/XX/2023. I contacted MoneyLion regarding my loan payment to request a deferment for the upcoming payment. This is also my 4th loan with this company, so this is not the first time I have deferred a payment. I was never informed of any change in their policy ; hence, I expected my account to be automatically drafted after this deferred payment. This was the case with all 3 loans, as I have faced layoffs during the turbulent mortgage industry staffing cuts. 

In XXXX, I received notification of my credit score dropping. From XX/XX/2023 to XX/XX/2023, I have received notifications of my credit score dropping a total of XXXX point due to this one account. I contacted MoneyLion and told a complete lie. In the attached email, the representative states that I had the ACH access cut off, which was never the case. In addition, she states that I was told I would need to restart the payments. THIS IS A BLATANT LIE. I have never had to contact the company to restart the payments. I also advised them to restart the payments when we spoke in XXXX. The company has made no attempt to draft my account. The account continues to spiral downward and have a tremendously negative impact on my credit. 

In addition to this, I have contacted the Department of Bank ing and Finance and it is my understanding that they are working diligently to bar this company and companies like it from doing business in Georgia, as they are considered " payday loans. '' Duwe to my limited credit, I have used this company because it reports to the credit bureaus, and I saw an increase in my score. However, they are ruining my credit and will not stop digging me or collecting the payments. It is total insanity. 

Lastly, I have had to make a consumer dispute regarding their report on my credit previously and it took months. I am attempting to find an apartment and I need them to correct this asap.
Product: Debt collection

To Whom It May Concern, I am formally disputing the debt associated with XXXX XXXX  on my credit report, as the charges are invalid due to XXXX 's failure to uphold the agreed-upon terms. Below is a timeline of events detailing the dispute : XX/XX/year> : XXXX employee XXXX XXXX visited my home to discuss adding a spotlight and camera. I signed a release for XXXX to run a soft credit check, contingent upon my agreement after the trial period. However, XXXX immediately charged my debit card, despite the trial terms. 
XXXX XXXX XXXX & XXXX : Due to this issue, XXXX extended my trial period to XX/XX/XXXX. On XX/XX/XXXX, I notified her that I did not want the equipment, and she assured me a technician would call to remove it. That call never came. 
Unauthorized XXXX XXXX : I later discovered that XXXX XXXX had been added to my credit report, and unauthorized charges were being withdrawn from my account. I was forced to stop payments after XXXX directed me back to XXXX for resolution. 
Unresolved Communications with XXXX  : After multiple emails and calls, XXXX XXXX ( XXXX legal assistant ) finally responded on XX/XX/XXXX, but ignored my XXXX concerns. I followed up on XX/XX/XXXX about the past-due XXXX account, receiving no reply. 
Equipment Removal Without Resolution : On XX/XX/XXXX, XXXX technician XXXX removed the equipment, yet my monthly billing was never adjusted, and XXXX failed to pay off the XXXX XXXX despite XXXX XXXX stating that they would. 
Ongoing Billing and Credit Impact : As of XX/XX/XXXX, my billing still reflects {$66.00} instead of {$58.00}, and XXXX XXXX  remains unresolved. When I contacted XXXX, I was wrongly told that I am responsible for the financing, contradicting previous discussions. I followed up again with XXXX on XX/XX/XXXX, but received no response. 
This debt is invalid and should be removed from my credit report immediately. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally file a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) and violating 15 U.S.C. 1681o, which establishes civil liability for negligent noncompliance. Despite multiple attempts to resolve this matter directly with Experian, they have failed to correct their actions, causing me financial and reputational harm. 

Specifically, my complaint pertains to the following issues : 1. Failure to Conduct a Proper Investigation I disputed inaccurate information on my credit report with Experian, and they failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i. They verified incorrect data without properly reviewing my supporting documentation. 
2. Negligent Handling of My Dispute Experian failed to take proper corrective action despite clear evidence that the reported information was incorrect. Their negligence in maintaining accurate records has negatively impacted my creditworthiness.

3.Violation of 15 U.S.C. 1681o Due to Experians failure to comply with the FCRA through negligent reporting and dispute-handling practices, I have suffered damages, including [ explain specific damages such as loan denials, higher interest rates, stress, etc. ]. Under 1681o, Experian is liable for actual damages sustained due to their negligence, along with reasonable attorneys fees and costs. 

I request that the CFPB investigate Experians non-compliance and take appropriate regulatory action. Additionally, I seek a resolution that includes the immediate correction of my credit report, compensation for damages suffered, and assurance that Experian will implement better compliance measures to prevent further violations. 

Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$1900.00} XXXX XXXX {$2600.00} XXXX XXXX {$4400.00} XXXX XXXX {$240.00} XXXX   XXXX {$170.00} XXXX XXXX {$270.00} XXXX  XXXX {$360.00} XXXX   XXXX {$570.00} XXXX XXXX {$710.00} XXXX XXXX {$440.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$3500.00} XXXX XXXX {$2700.00} XXXX XXXX {$1500.00}
Product: Checking or savings account

On XX/XX/XXXX at XXXX. I made a deposit using cash app of XXXX. The deposit appeared in my BB & T account and then I heard reports on the news of a bank failure. I checked my account and I saw multiple over draft fees and that my transation was no where to be found. I checked with cash app and indeed they did transfer the money at XXXX. I personally saw the funds there. When contacting the bank, I was told that they have no record of the transaction. I have asked if they would like me to send them any records I have and they have refused to acknowledge that they ever had the credit to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX 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: Checking or savings account

On XXXX XXXX 2017, XXXX XXXX XXXX withdrew funds out of my account without my permission. The account was set up for autopay, and my regular payments come out on the XXXX of every month. When I contacted XXXX XXXX XXXX around the XXXX of XXXX, they notified me that their is nothing they can do since the funds were taken out by a third party ( XXXX XXXX ). I asked XXXX XXXX XXXX what is the next course of action, and they told me that I would have to contact my bank and file a dispute. So I filed a dispute with my bank around the XXXX of XXXX as well. I currently bank with Regions Bank. Regions bank notified me that they will send me a form to sign and return to them. So a couple of days later, I went to the Regions branch and the bank representative printed out the paper and told me where to sign. I asked the bank representative was there anything else that I needed to do and she said no, all the information was completed. I decided to call the bank around the XXXX of XXXX and found out that the claim was denied. When I called the solutions team with Regions bank, they notified me that the claim was denied because some of the claim information ( that regions wrote on the form ) did n't get faxed correctly ( regions representative faxed by the way ), and that they are missing supporting documentation ( which the regions representative said was n't needed ). so now I am truly frustrated and had to go through the entire process again. So I resubmitted all the information with supporting documentation saying that the payment is n't suppose to be taken out until the XXXX. I waited 5 days and was told that the claim was still pending, but a decision should have been made since the solutions team only have 5 days. Then I called back after that and was informed by a male representative that the solutions team should of had a decision and that they are going to have to escalate it to management. So now I 'm assuming that they just do n't care about my business and that my claim is n't a priority. Then 2 days later after the male Regions representative submitted the information to the solutions management team, they denied the claim. After all of this and submitting my supporting documentation, I feel like Regions did not look out for my best interest and this issue created overdraft fees in my account which I had to pay.
Product: Credit reporting 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. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  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 reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

-I purchased item on XX/XX/XXXX from XXXX. 
-Seller shipped wrong specification of item, and I notified seller that I would not accept the delivery if seller did not cancel order -Item was still delivered to XXXX, CO, USA via XXXX via tracking # XXXX -Item was signed for via neighbor without permission, at fault of shipper XXXX  ( please see emails from XXXX on XX/XX/XXXX, alongside voicemail transcripts ) -Given this, shipping service picked up package from neighbor, and returned to seller. 

To summarize : this is an item that I am not currently, nor ever have been in possession of item. 

This billing dispute has been reverse/and re-opened several times since initially opened in XX/XX/2020, and have spoken to CITI multiple times per week ( alongside supplying all documentation from shipper that item was XXXX ) however they have not made any further assistance on billing dispute, and feel as though CITI is not doing due diligence on resolving charge
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$32.00} Credit Limit {$1500.00} Highest Balance {$1600.00} Terms NA Payment History XXXX XXXX XXXX not mine FCRA violations remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request to receive all documents used to verify this account and make it published on my credit report. This item is not verifiable and needs to be removed from my credit report. There has been a fraud alert on my credit since XX/XX/2019 and these items should have been verified via phone prior to putting them on my credit file. Attached is a FTC for the stated documents requested.
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to remove collection account due to identity theft.
Product: Bank account or service

I was shocked beyond belief to learn yesterday that XXXX XXXX has arbitrarily, unilaterally without warning, and totally without basis, reporting me to XXXX credit bureaus. I have no doubt this is the result of shear retaliation and vindictiveness against my complaint about his utter negligence and incompetence ( see first attachment dated XX/XX/XXXX ). We live and function in this society relying on credit scores, which sometimes is more important than life itself. But XXXX so viciously and callously damages my credit just to satisfy his sick sadistic ego! Particularly under the circumstances ( truly negligent and incompetent ) described below. XXXX thinks he is GOD! I am a Bank of America customer for years. I am always in perfect standing with all my accounts : checking, savings and XXXX credit cards. I always pay credit cards in full within days. In my 29 years in XXXX XXXX ( and longer elsewhere ), I have never paid XXXX dollar short or one day late to any companies or on any bills. My credit scores are always above XXXX. These facts are a matter of records. Starting XXXX, I had a dispute with a merchant BofA credit card as payment, amount {$250.00} ). Now, 5 months later, XXXX still can not get straight ( 5 different sets of excuses ) that " refund '' or " no refund '' - back and forth playing with my money like his own money. The process was ridiculously arbitrary, totally without any logic or reason. I was so fed up and accused XXXX for being negligent and incompetent. For one thing, XXXX kept changing the reasons of no refund/no refund, and even use the SAME evidence to say : " refund '' and SAME evidence to say " no refund '' - go figure! No one has rights to play other people 's money this way! When I pointed out XXXX 's problems in XX/XX/XXXX, instead of correcting his actions, XXXX became vindictive and retaliatory and wasted no time to report me to XXXX credit bureaus with criminal intention to damage my credit scores. No idea how XXXX or anyone else has rights to do so. As of today, all my accounts with XXXX 's stupid bank are in good standing, and in good standing since day 1 years ago!!! This is definitively not a " non-payment '' issue. The {$250.00} was reversed by this XXXX only on XX/XX/XXXX, the monthly billing cycle is not closed yet. And I am already in default?! Even if I received the monthly bill, and even if I paid minimum payment, I am still in good standing. Even if I refused to pay the entire bill ( including other purchases ), the bank is required to inform me and warn me before damaging my credit. Using credit bureaus as XXXX 's retaliation tool is simply too easy, but criminal. This letter is to demand that XXXX : 1. XXXX immediately retract the retaliation actions against me at XXXX credit bureaus, and provide me with a copy of retraction. 2. I seek monetary punitive damage for damaging my credit scores under the circumstances. 3. XXXX refund me the {$250.00} for services never rendered.
Product: Debt collection

Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report This company is replied submitting false information to your organization I will attach additional proof from both  XXXX   XXXX  and  XXXX  submitted by them on the  XXXX  fo  XXXX   2017  That this is the correct company.
Product: Student loan

There are two reasons for my complaint today but the main one is the release of my retired father as my co-signer. Im XXXX and Ive made on time payments for years, never defaulted and they will not release him. Why was a govt contract given to Navient who has a reputation of ruining the lives of their customers. 7 years ago ( when i was with XXXX XXXX ) I made a payment on my account as normal and then was harassed with multiple calls a day saying I was default on payment. I explained I had paid and they said the payment was over two years late?! I asked how this possible and also how is the first time Ive heard of this since Ive been making my payments on time monthly all this time? Turns out 2 years prior, I didnt pay, even though their website said no payment was due. Ive found out this is more common than I thought. Many people have the same complaint. Release my father as co-signer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Bank account or service

I made a report of fraud that some did still from my account so they resolved and closed permanently. But I also told they that they had credited me from the other company so I assumed they would just take the it off but no they waited three month then they take it of my account they knowingly waited that long to do that and harass me. There suppose to protect me from fraud as soon as it happens and not put me in a situation that contradicts what you did.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.
Product: Vehicle loan or lease

Pursuant to the Truth in lending act ; The Truth in Lending Act ( TILA ) of 1968 is a United States federal law designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed. I was denied a extension of my own credit without proper disclosure. Pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

I have expressed this US Code with the agents of chase bank and they both still denied overturning the decision. I also explained that a FICO SCORE has nothing to do with a Consumer credit transactions. As the Grantor/Beneficiary of The Estate " XXXX XXXX XXXX '' makes me the Alive Natural person whom is the original creditor that has the rights to extend his credit as a consumer credit transaction and should not be denied my equity. 15 U.S. Code 1602 ( e ) The term person means a NATURAL PERSON or an organization. Pursuant to Securities Act of 1933 there is only Security Notes in circulation which grants me the creditor of every Security Note endorsed by me the natural person. There is No Banks without my Equitable endorsement. My XXXX XXXX should have NEVER be violated.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, Lending Frce did a hard pull ( through XXXX XXXX XXXX ) on my credit without authorization. They told me that theyll do a soft pull to tell me if I am eligible for a loan rate reduction. I mentioned multiple times that I do not want a credit pull done on my account and they said its a soft pull and not a hard pull. But, soon I realized that they did a hard pull and when I contacted them about it, they asked me to talk to the credit agencies like XXXX. I contacted XXXX but they said that I can not dispute an enquiry, but the company who placed the inquiry must dispute it. I have asked lending frce to dispute it, but theyre not doing anything to help
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$89.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

when XXXX took over my loan with chase, they charged me for taking over the loan, they have said they didnt, but here is the papers they sent me showing they had. i would attatch documentation showing such if website gave me the ability to do so
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.