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

My loan payments were always sent on time. I keep explaining this to Equifax and XXXX  but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX  XXXX, XXXX XXXX   XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

New and updated information regarding Moneylion.

Moneylion has recently marked my dispute as a duplicate however my last dispute I requested debt validation that I did not receive. They only provided a history of me disputing this account. This history just shows how i have asked for validation that they alleged they sent out once in the course of over 6+ disputes with them.

Stating that an account is reporting accurately unfortunately is not enough to say that account belongs to me. I did not receive their validation of debt they alleged they sent.

I am seeking the CFPB to step in.

I have attached my dispute letter again requesting the information and only the information in the dispute letter to be sent ONLY through the CFPB.

And for MoneyLion to STOP marking my disputes as a duplicate.

Obviously if I have attempted to dispute multiple times I am trying to get information I need to better understand this alleged transaction.
Product: Debt collection

They sent a letter stating they were a law firm representing A company. And at the bottom of the letter attempted to collect a debt.
Product: Debt collection

XX/XX/2022 {$110.00} I answered a phone call from XXXX XXXX XXXX XXXX. They asked how was I going to pay a debt on a PayPal account. I told them I wasn't paying anything because it can't be my debt because I never had a PayPal account. I also received a letter from XXXX XXXX XXXX XXXX and returned it and checked not my debt. Also, in the returned letter I told them I have never had a PayPal account.
Product: Credit card or prepaid card

I made payment to american express card but due to some error it got declined and my bank charged me {$30.00} and AMEX charged me XXXX XXXX then I chat with AMEX and tell them about it and they returned my fee. I also call my bank and tell them about it and due to my good history they gave my money back and asked me to call AMEX to inform that do not try to pull payment again ( generally institution pull amount for three time incase it get declined ). So, I chat with amex and they assured me that their institution won't try to pull the payment but still they did next day back to back two times. Then I called amex again and discuss about it for half an hour and they were trying to manipulate. Then I told them that I have written proof that your agent gave me and I will go legally against this. Then representative agreed to give {$60.00} fees back to my account. But when statement was generated I didn't get that amount and when I called again they changed their word and they said we will call you after we look into it, still they did not call me back. 

I called them on XX/XX/2019 around between XXXX to XXXX, you can check call recording and they agree to pay that amount but now they change their word. 

I have case id : XXXX which was given to me on XX/XX/XXXX by representative who assured me for that {$60.00} amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company back in XXXX  once appearing on my Credit Profile as owed I have not one clue Of a way to resolve an issue Where NO SERVICES WHERE RENDERED TO ME THERE IS NO DOCUMENTATION WITH MY VALID SOCIAL SECURITY ACCOUNT NUMBER OR DOB I have pleaded with CREDIT BUREAU TWICE they constantly update and attach false debit and an pile up fictitious information on MY PROFILE they are scammers to say the least masked as debt collectors. 
PLEASE USE UCC FTC COMPTROLLER OF DEBT AND CREDIT REPORTING GUIDELINES and regulations and remove all negative info reporting and data processing on XXXX XXXX XXXX XXXX/XXXX/XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Already sent in documents to TransUnion to add an EXTENDED FRAUD ALERT to my TransUnion credit report and it was once added but then it got removed so wanted to get that added again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my purse along with my ID and Social and opened the following accounts and inquiries in my name : DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$4600.00} DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX High balance of {$3000.00} XXXX XXXX # XXXX Placed for XXXX Balance : {$310.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX XXXX XXXX XXXX  # XXXX Placed for collection:XXXX Balance : {$3500.00} Original Creditor : XXXX XXXX   XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I accidentally overpaid Macys American Express card through a bank transaction ( {$4300.00} ). The transaction from my bank can be found in my XXXX statement. Macy 's has received the money on the Macy 's XXXX statement. 

I found the error a few days later and asked for a payment reversal. The representative said it will be done within 14 days. Macy 's representative indicates that it has been done on XX/XX/XXXX. 
Call the phone numbers many times and the representative said it will done on XX/XX/XXXX, XXXX. 
I attached the XXXX statement to show there is no refund from Macy 's. 
Finally, I received an email ( XXXX ) indicates that it will be done 5 business days.

I have not received the refund.

Call Macy 's and the representative said it was done and nothing she can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing my credit report with XXXX checking my file ive noticed alot of invalid information that is hindering my file. all data should be XXXX  % accurate on each file and it is currently not. update all information requested.
Product: Debt collection

Northwood Asset Management requested I pay the debt of {$1000.00}. I had bad cell reception so the call dropped and I had to call them back. The collector was confused and said if I call her office again she wall call the police. I apologized and explained the cell phone reception is bad. She then threatened to take my wages if I did not set up a payment plan. Since starting the payment plan in XXXX I have paid this account off and requested payment history summary. I was told this is only documentation proving the account has been paid I was allowed to have. I received the document stating I had made the payments to a collection account managed by XXXX XXXX XXXX. Now I still have a debt collection account for the same emergency visit on my credit report stating I owe this to XXXX XXXX XXXX. How can I owe for the same emergency visit to three different debt collection agencies? I have already paid this account in full by XX/XX/XXXX. I don't know who I paid this to, if this was a scam, or why someone is still asking me to pay again.
Product: Mortgage

Around XX/XX/2018 my daughter 's loan officer called me and wanted my bank statement with balance. He had read my bank statement. He was complaining that the print was too small even though he told me he read it. All of this is because I gave my daughter a small amount of money {$7500.00} to pay her closing costs.. Mind you I am not getting the loan to buy a house. My name will not be on the title of the house. He went on to tell me he needs to know that I am not selling drugs or participating in other illegal activities. Again this is not my loan. It is my daughter 's and her husband 's. Can you help me with this problem. He told me that he is denying my daughter a home loan. My name is XXXX XXXX XXXX I would like a call from the entity that can do something about this problem. And if they think this man was out of line. My daughter and her husband both work and are law abiding citizens. For such a small amount of money that I gave them I don't give them my personal information. If it was a large amount of money then it would be different.
Product: Credit reporting

I got caught up in a scam which caused fraud to prevent me from getting a credit card or opening a bank account.
Product: Credit reporting or other personal consumer reports

My credit report is showing collection for payments of each month beginning from XXXX of XXXX of XXXX! Which is invalid I moved into this property on XXXX XXXX and my move out date was XX/XX/XXXX. In XXXX of XXXX Iwent into the office and discussed my reasonable accommodation for ending my XXXX lease in by XXXX of XXXX. Iturned in my notice to vacant twice in person and by email. The property agreed to honor my notice and told me Iwould n't be penalized or charged the breaking lease amount. My amount due was only {$1800.00} l kept all my emails and Forms of communication. Once I moved out of the unit I took photos of every thing and sent a final email to management to confirm the details. A few months later I received multiple letters and phone calls from a debt collector trying to make me pay {$4700.00} for that unit. Iasked for the itemized bill and tried to negotiate with this debt collector by presenting all my proot representing the agreement.The persons response to me was that unfortunately I would have to calll management there because they are only debt collectors and don't handle disputes. Icalled and spoke to a new manager at the property she couldn't verify the Additional two months of charges for rent plus utilities that were added to the bill. Ishowed her the old property manager as well as my photos of moved out day and the confirmation that was sent back to me a few months later I received multiple letters and phone calls from a debt collector trying to make me pay {$4700.00} for that unit. Iasked for the itemized bill and tried to negotiate with this debt collector by presenting all my proof representing the agreement.The persons response to me was that unfortunately, I would have to call management there because they are only debt collectors and don't handle disputes. I called and spoke to a new manager at the property she couldn't verify the Additional two months of charges for rent plus utilities that were added to the bill. I Showed her the old property managers emails as well as my photos of moved out day and the confirmation that was sent back to me agreeing that I didnt owe anything. Her response was because it's been a year she couldn't account for anything the old property manager agreed to. I contacted the new manager of the property on XX/XX/XXXX and provided documents requested to assure her the debts are not accurate and she is now stating its been over a year and she can not valid the charges from old management team. The company still isn't addressing the extra fees added on for utilities I didn't use after my move out and they are not honoring the agreement we made back in XXXX of XXXX. My complaint was closed out the same day they responded without a full review of my documents l 've presented. The company is refusing to consider my dispute and valid proof of charges that should not be listed on this account.
Product: Student loan

Hello! 

FedLoan Servicing is my student loan servicer. On XX/XX/XXXX, I called FedLoan and requested refund of payments made during XX/XX/XXXX through XX/XX/XXXX as part of the CARES Act. The payments totaled {$6700.00} and were as follows : XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$960.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, and XXXX XXXX {$960.00}. 

I was informed the refund request was not initiated until XX/XX/XXXX. At the time, I was told the process could take up to 60 days. I was told the refund process includes FedLoan initiating the request who then sends the request to US Dept of Education - Federal Student Aid ( FSA ) for review and approval. After waiting approximately 60 days, on XX/XX/XXXX, I called FedLoan to check on the status of this refund request since I had not received it and I was told the process can now take 90 days. FedLoan informed me they have submitted the request but are waiting on FSA to approve it before they can take action. And I was told the refund would come in the form of mailed US Treasury checks since XXXX was my loan servicer prior to being transferred to FedLoan in XX/XX/XXXX. I continued to wait another 30 days and called XXXX in XX/XX/XXXX and was told the process is taking longer than expected and to wait longer. As of XX/XX/XXXX, I am still waiting for this refund request. I have wait well over 150 days for this refund request. 

I know FedLoan is working incredibly hard to process thousands of PSLF Waivers and refunds over 120 payment counts. I feel that my request is not being processed in the order it was received and there is something wrong with my particular request. I do not feel that FedLoan and FSA are communicating appropriately to handle my request. I do not receive any communication for my request and each time I call FedLoan, I can receive conflicting information and need to escalate my call to a superior representative to get consistency.
Product: Debt collection

Tower Loans has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that inaccurate information remains despite multiple attempts to correct it. The credit bureaus, XXXX, Experian, and XXXX, have continued to verify this inaccurate information as accurate, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections XXXX and XXXX. I have attached proof that demonstrates the information is not accurate. 

This repeated verification of incorrect information violates my rights as a consumer. Under the FCRA, you are required to conduct a reasonable investigation and remove inaccurate or unverifiable information from my credit report. Failure to do so has caused harm to my credit standing, and I demand that this inaccurate information be removed immediately. 

Please refer to the attached documentation for further proof of the inaccuracies. I expect this erroneous information to be removed from my credit report, in compliance with the FCRA, to ensure my report reflects accurate and fair data.
Product: Debt collection

Got a text from Glass Mountain Capital LLC about their attempt to collect a debt. I have no debts.
Product: Credit reporting or other personal consumer reports

They have incorrect address and spelling of my name. My name : XXXX XXXX XXXX My address : XXXXXXXX XXXX XXXX mi XXXX
Product: Debt collection

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXXXXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Credit reporting or other personal consumer reports

HI- I checked my credit for the first time and noticed unathorized inquiries in my report that i have never applied for this was not me please help in removing inaccuarete items on my report that dont belong to me XXXX XXXX XXXX SEE ATTACHED. XX/XX/year>
Product: Mortgage

I needed help with property taxes because of the pandemic and hurricane Ida damage. Three years ago, I started seeking help from NJ for the mold and rodent problem caused by Ida. No help there. 
Carrington paid the taxes to help but added items to what I owed them, especially in determining residency and appraisers, etc. Currently, I owe them some {$28000.00} outside of the {$300000.00}. Unbeknownst to me they went ahead with foreclosure and now a sheriff 's sale on XX/XX/XXXX. I had asked for a postponement XX/XX/XXXX because of medical issues. In the meantime I held out hope for financial assistance from the state. I figured if I could fix the mold and rodent problems, I would be able to get a fair market value for the sale of the house rather than foreclosure. XXXX is interested in another class action against Carrington and asked me to be a plaintiff. This involves padding charges, charging for services not necessarily done. I contacted Carrington for a total list of transactions on my account on XX/XX/XXXX. 
I am XXXX XXXX XXXXr on a fixed income. My home is where my business is. I have not been able to work full time as that area is where the mold is. 
Carrington has been very hard to contact or communicate with. I have used email, snail mail and fax. I called a number and person to call. I left a voicemail which was never answered. Their law firm served me in XXXX. They asked for info which I sent them to ask for a chance to get on my feet as I had surgeries scheduled. They never acknowledged it. The next item was to respond to them about disputing charges. I did but they did not acknowledge it. My next thing I know is the sheriff 's sale is on. I have known this since early last week. Today I received their letter about the sheriff 's sale. If Carrington and their law firm had written before or at least kept me in the loop, I believe I would have had time to try more avenues for relief. They strung me along and bam - the sheriff 's sale. I did not choose Carrington. The original lender was XXXX Mortgage who sold it to XXXX which went bankrupt and Carrington took over. Please caution older people about reverse mortgages. Rules and regulations were changed after I got the mortgage. I tried to refinance when I had more assets at least 4 times. Now my only assets are a XXXX XXXX XXXX cargo van and my artwork.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

US B ANK IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTE D US BA NK SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  US BANK  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Product: Credit reporting or other personal consumer reports

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

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX XXXX XXXX