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

In all my credits reports appear that I authorize to request my credit report to different banks when I did not authorize this. The companies are : 1. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX-XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6.XXXX XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I have been having problems with Fedloan for over a year. I have sent them messages and been on the phone with them more times than I can count. They reported me as late many times when I was supposed to be on an income based repayment plan and my payment was approved at {$0.00}. Then, right about the time Covid 19 started or just before, Fedloan decided to report three of my six loans with them as delinquent. I then applied for a consolidation loan and asked that it be with them since my other loans were still with them. That was a mistake because they somehow denied my consolidation. My credit score has been so badly affected that my wife and I were recently denied a loan for a new home. I have worked for the same XXXX XXXX for 7 years and we pay our bills on time! There is no reason why this should be happening to me. They denied my application for public loan service forgiveness too. It has just been awful dealing with them. I need some relief and some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a fraudulent account and fraudulent unauthorized inquiries
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX/XXXX  XXXX Balance : {$4500.00} XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am writing this letter to whom it may concern, I have a loan that was recently reported on my credit report as 90 days late payment, these payments were late cause I was told that I had forbearance time to consolidate my school loans Now that I know I was given the wrong information I wanting to know if there is any way that if I bring my payments to current and set up automatic payment with a checking account could these late payments be removed from my credit report as a good will gesture I know that its not an obligation or if this is possible but it would be greatly appreciated I do construction work and it is seasonal which that said XXXX to XXXX are the busiest months here in Ohio, I started to make payments in XX/XX/2018 and what I should have done is set up automatic payments so I would not encounter these problems please let me know if there is a possibility of this happening I have worked so hard to build my credit scores and to have it taken away without warning of the situation that was going to take place and this really hurt my lively hood witch would intern help me to take care of the loan I feel so terrible, please let me know thanks in advance I will also be updating my contact info so that I can receive nelnet alerts thanks in advance I am awaiting your reply
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello cfpb, my amazon store card has been falsely reporting incorrect card account balances saying past due when i have always paid them on time. For months they have been reporting to XXXX  and XXXX past due balances when my account is paid. I'm including screenshots of my amazon account statements and credit report showing a false balance of over {$300.00} in an attempt to damage my credit score each month. I pay and have paid this card off each month and would like you to investigate this. Also XXXX XXXX with XXXX has had a dispute going since XX/XX/XXXX when I reported false information on my credit report about self card and the amazon store card and its XX/XX/XXXX and they still haven't updated the dispute so I can file a new dispute on incorrect Info. Please investigate this because it's discrimination and its wrong either way to report false high balances and report things that are incorrect to try to damage my credit. Here are the screen shots I got and documents.
Product: Credit card

I have paid XXXX on to my USSA credit card on XX/XX/XXXX2016. I paid through bill pay through my bank. I have a check # and confirmation #. I have called USAA over 5 times in the last week and they continue to tell me that it has not been paid and to contact my bank. I have since received a {$70.00} interest view. I have requested to speak with a USAA supervisor several times but have not been able to. I have provided USAA with the check number, name of bank, bank contact info and the confirmation number and still USAA refuses to assist me in getting this resolved. In a few days I will acquire a late payment, because they have not recognized my payment of XXXX. I also want to make sure this does not negatively impact my credit
Product: Debt collection

I do not owe aldous and associates for any debt, I spoke with an aldous representative on XX/XX/year> they charged {$1.00} to pull up my file used my debit card which signed me up for a membership to XXXX XXXX XXXX which I did not agree to they sent me a copy of the contract which was not signed by the seller XXXX  XXXX, I spoke with the credit manager of smartway and she informed me that this was all their mistake but they couldn't do anything about it because it had been turned over to aldous I spoke with aldous again today XX/XX/year> and the supervisor said he didn't know anything about them charging me {$1.00} he wanted my debit card info so they could charge me again they are scamming people by buying debts that aren't correct I do not owe aldous and associates for any debt I have never signed any contract with aldous and associates and I never gave them permission to sign me up for standard scores lic aldous told me if I would pay them about 3/4 of the debt I owed that they would represent me and dispute it and clear my report I have already had most of my report cleared accept for one derogatory remark from aldous please remove the remark and leave me alone again I have never signed any contract with aldous they tried to damage my credit and they still call me please don't allow this to happen anymore
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. XXXX Acct : # XXXX and XXXX  XXXX XXXX Acct : # XXXX  and XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Acct : XXXX and XXXX XXXX ( Original Creditor : XXXX  ) Acct : # XXXX and Personal Information XXXX XXXX XXXX XXXX XXXX AZ XXXX and XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. ( 15 U.S.C 1681 section 602 A. States i have the right to privacy. ) 15U.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 reporting or other personal consumer reports

Wow put service in my name with out authorization or signature of mine
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an inquiry was made through DT Credit for a car loan under my name which was false. I have not owned a drivers license since XXXX. I called the number on my credit report and they in fact confirmed that this was false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

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 XXXXXXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 reporting, credit repair services, or other personal consumer reports

Experian should not be reporting a collection/chargeoff in the amount of {$530.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had medical insurance coverage at the time and I have attached a copy of my Insurance ID Card for reference. This account needs to report a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing twice has violated my rights. XXXX should be removed from credit reports during the time the collection was paid in full and creditor agreed to remove from all 3 reporting agencies.

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 reporting or other personal consumer reports

On XX/XX/year>, I received alerts from XXXX XXXX that two hard inquiries occurred on my credit around the same time. One was from " XXXX '' through XXXX. The second was from " CITIBANK., BEST B '' through XXXX XXXX I did not apply for credit accounts through either one of these. Apparently, someone has tried to open what looks like two credit card accounts using my social security number with these two retailers : XXXX and Best Buy. I have already contacted XXXX to cancel the card, but I am currently trying to notify Best Buy. I have not been able to contact the right people about the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XXXX that ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX ( Paid in full ) {$0.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$3600.00} XXXX XXXX XXXX XXXX ( Never Late ) {$0.00} XXXX XXXX ( Paid in full & confirmed ) {$460.00} XXXX XXXX XXXX XXXX. ( Paid in full & confirmed ) {$160.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$170.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$830.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Mortgage

I placed my mortgage into forbearance in XXXX oXXXX XXXX and missed 7 total payments. XXXX of XXXX was the beginning of XXXX and the forbearance guidelines were not fully established by any company. I was assured, however, by Midland representatives upon placing my mortgage into forbearance that the process was simple and that no penalties, no interest, no credit reporting would be enacted by the company and that my misses payments would simply be put on the back end of my mortgage. Long story short, I have been trying to resolve this problem for years! I owe more on my mortgage now than when I started this process, how is this possible? Midland mortgage has reported me over 180 days delinquent to the credit bureaus not once, but twice which is illegal during a XXXX forbearance plan. These actions prompted the filing of 2 prior CFPB reports against midland. This is the only way to get any competent individual from that company to call me back. 
This complaint is an attempt to try to resolve this mortgage assistance program that midland put me in and never fully approved. I was told they were waiting on the VA, when I have an approval letter from the VA. Bottom line, I am trying to pay what owe and noone can figure this out. It is honestly easier at this point to work the account backwards starting with my original loan balance. The process used by midland is so confusing that the customer nor the employees understand it.
Product: Money transfer, virtual currency, or money service

Total scam and fraud. Do not link your bank account or give your credit card. I signed up for Moneylion in XX/XX/2019 after clicking on an online ad. I took out a {$500.00} loan and had to link my bank account and credit card, to receive the loan amount. My bank account was charged {$19.00} twice a month, plus a {$39.00} " membership '' fee once a month. In XX/XX/2019 I tried calling because I wanted to payoff the loan in full and cancel my " membership ''. I was on hold waiting for a representative for over an hour on several occasions and each time I was given a different payoff amount - {$580.00}, {$420.00} and {$380.00}. I emailed several times as well and was never given a the final loan payoff amount or a way to do that. I also could not unlink my bank account. I saw that Moneylion kept attempting to make the {$19.00} and {$39.00} withdrawel from my account, despite the fact that I had called and asked for the final payoff amount so I could pay with a debit card. Yesterday they made several attempts under different business names that I was charged {$100.00} in overdraft fees! In frustration I asked for my mother to call and help. She also was told different amounts, and then today was kept waiting on hold for an hour and twenty minutes. She called me in to get on the call with her so we could payoff the loan with her debit card and they hung up on us. I then XXXX  Moneylion and saw that they have an F rating with the XXXX XXXX XXXX and many similar complaints. They also said that they will liquidate the {$100.00} in my " investment account '' and refund it in a few weeks and then I would be able to use it to pay the {$140.00} in membership fees. But I've already been paying " membership '' fees every month from my bank account, with no membership benefits! This is a scam, predatory lending and fraud.I will be closing my bank account, on the recommendation of the manager where my family banks, so they can't continue to try to make withdrawals. For the loan payoff, if they ever respond with accurate info, I will be using a prepaid debit card and have cancelled the credit card that was linked. I am reporting this to the XXXX, Consumer Finance, Federal Trade Commission and the Attorney General.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.
Product: Debt collection

Iam 3 weeks late on a payment. I tell them when they call that I will pay them Friday XXXX XXXX, 2016. I wo n't secure the payment with a card till that date so the calls wo n't stop. thats fine. But they call me several times a day after I have asked them to stop. Told them once a day is fine, but if nothing financially for me changes from day to day, it certainly wo n't Change from hour to hour.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required
Product: Bank account or service

On XXXX XXXX, 2017, I received a {$35.00} overdraft fee in my Bank of America account due to a withdrawal mistake ( funds were withdrawn from the wrong account ). The bank did not send me an alert until the following day, even though I had set up my account to request alerts when insufficient balance conditions would happen.