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

I have several federal student loans via XXXX that were in good standing as of XX/XX/XXXX. Initially, the account was correctly marked as closed on their credit report. However, in XX/XX/XXXX, XXXX had changed the status of the account to open and marked it as past due, despite no payments being late or owed. 

XXXX 's error has had a significant impact on my credit score, I immediately contacted XXXX customer service. I made multiple attempts to resolve the issue : They called customer service several times and were repeatedly told the matter was under review. 
They submitted a formal dispute through both XXXX and the credit bureaus, providing documentation showing the loan was in current and or paid in full. 
After receiving no resolution, they escalated the issue by trying to speak with a " supervisor '', who assured them it would be corrected but the incorrect reporting remains
Product: Money transfer, virtual currency, or money service

Almost 2 years ago my bank Navy Federal Credit Union shut my card off after i reported some fraudulent transactions on my card.They shut my debit card off and my 2 credit cards.SO the result of that is me having to wire money and transfer money to different accounts which is not right.I didnt commit any type of fraud so i believe i should get my money back being i wouldve never had to transfer and or wire my money to different accounts if theye had better security and if they hadnt turned my card off.Because with Navy Federal Credit Union you have to pay for everything, cutting your card off leaves me with no choice to but to transfer my funds.
Product: Mortgage

In its response to my complaint, CFPB case number XXXX, the complained company made egregious false statements about being lawful in its dealings with me, and about it has obtained successful court rulings. They were absolutely untrue, and were calculatedly and shamelessly made to deceive CFPB and to avoid responsibilities for complained frauds and abuses. The company has also been completely lawlessness in its acts to subvert justice in courts. Its representing attorneys took advantage of my being unrepresented and brutally bellied me to intimidate me from pursuing justice in court. The company believes that it could get away from malicious cruel abuse of me, a XXXX years old customer who had been its loyal and perfect customers for four decades, and had done no wrongs to deserve being robbed of my paid off home..
Product: Credit card or prepaid card

My husband died. He owned the account and I am an authorized user. I am owed a credit of XXXX from a credit on the account and am also owed XXXX in rewards money. I have sent a copy of the death certificate which they acknowledged receiving and now say they don't have. I also sent a copy of the will with a request for payment which they said I would receive this billing period. All I got was a statement showing tge credit I'm due. When I called this time they said they don't have the death certificate and didn't know the person I spoke to previsouky. All I want is what I am owed and I getting the run around. Thank you! 
I spoke with the company in XX/XX/XXXX and XX/XX/XXXX. It's a XXXX master card that has been paid in full every month since we've had it.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. Accounts XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$560.00}
Product: Money transfer, virtual currency, or money service

XXXX PayPal lied to you and said they fixed this problem. The problem was not fixed, at all. 

I want to send money from PayPal, not from a linked account or card. Paypal will not let me do that even though it told you that this problem had been fixed. 

You said you would email me PayPal 's response bt you have not done that yet. Please do so. The agent I spoke with this morning read me the last part of their response and they said they fixes the problem. They did NOT fix the problem.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I Demand to remove the following accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX has incorrect information reported on my credit report. High balance is not correct. I have asked XXXX XXXX for removal but she will not delete that tradeline. She told me the balance was {$1000.00} but I settled for {$500.00}. She tried to make a deal where if I paid the remaining {$500.00} that she would delete the tradeline. She does not understand the balance was incorrect so I was not able to comply with her terms. The account was serviced by a collection agency named XXXX XXXX. It was there that they told me that after payment ( settlement ) that my account would be deleted. However, the tradeline is still listed on my credit report.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following inquiries and account be verified or removed immediately : Instruction : Please investigate the reporting of this public record to determine that it meets FCRA requirements and remove this inaccurate report from my credit report. 
Account Name : { XXXX XXXX } Account Number : { XXXX } Balance : { XXXX } Date Opened : { XX/XX/XXXX } Reason : Please investigate the reporting of this public record. I do not believe this public record is reporting accurately. 
Instruction : Please investigate to confirm this inaccurate data meets the FCRA and remove it from my credit report. 
Inquiry Name : { COAF } Date of Inquiry : { XX/XX/XXXX } Reason : This inquiry was not authorized and should not have been reported on my credit profile. 
Instruction : Please investigate to confirm this inaccurate data meets the FCRA and remove it from my credit report. 
Reason : Please investigate the reporting of this account. I don't believe this account is reporting accurately. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Thank you, XXXX XXXX XXXX }
Product: Money transfer, virtual currency, or money service

Trying to connect my bank account to XXXX so I am easily able to cash out money early from me checks but does not allow me because of PNC and I need to I have a XXXX month old baby o got to take care of
Product: Credit reporting or other personal consumer reports

Dear Equifax : After reviewing your response to my dispute letter of charge-off account. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please ensure that all information is accurate. If not proven delete this immediately. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please ensure that all information is accurate. If not proven delete this immediately. 
3. .Unacceptable How can you say its verified when theres a lot of information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX  attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advocates for Fair Credit Reporting. 
1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant.

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company.

I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXX reported Delinquent, which incorrect, was dispute and was trying to correct 2 ) TransUnion Credit Reporting wrong information on Delinquent, and recent credit inquiries 3 ) XXXX Credit Credit Reporting wrong information on Delinquent, and recent credit inquiries 4 ) XXXX Credit Reporting wrong information on Delinquent, and recent credit inquiries
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Experian, XXXX and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my student loans except for 2 private loans from XXXX XXXX/Navient have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in total permanent XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of total permanent XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XX/XX/XXXXand XXXX of XX/XX/XXXX) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay $ XXXX monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX/Navient keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.
Product: Payday loan, title loan, or personal loan

I have contacted MoneyLion many times to update their system and address disputes with XXXX. They have provided a letter addressing this but XXXX will not ACKNOWLEDGE the letter, therefore the dispute continues to come back as " REMAINS ''. 

I am demanding that MoneyLion, account # XXXX update their system to current or Never Late so that disputes are updated. 

I have contacted MoneyLion MANY TIMES asking them to provide accurate payment history to XXXX. This is my 5th dispute with this matter. 

I AM BEYOND FRUSTRATED!!!! 

This is an incorrect reporting of my account status and clearly a violation of my consumer rights. 

According to the Fair Reporting Act " Accurate Reporting If  inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. 

I will continue to report this company with the consumer finance division until my consumer rights are protected. 

Again, correct and remove this.
Product: Mortgage

Company pulled credit as Mortgage without my consent. I advised that I had XXXX report that could be provide I am not applying for mortgage
Product: Payday loan, title loan, or personal loan

Incorrect information reported. Not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/2014 someone used my personal information and opened a account in my name I filed a fraud case back then. XXXX is reporting different incorrect this to the three credit reporting companies they are in violation of section FCRA623, FDCPA806 { b } which state that creditor MUST enter a notice of dispute, if this is not entered the account can not be reported on the credit report ALSO THEY DO NOT OWN T^HE ACCOUNT THEY ARE REPORTING AND IT IS NOT STATED WHO OWNS IT NOW THIS IS FRAUD ON THERE PART i have been fighting this for over 6 months now still waiting for XXXX to respond to this date section 611 is also violated. there has been no evidence that I personally made this account in which I did not.reporting accounts that you do not own is a violation and fraud in which will use in a civil case against you and go public in this matter please read XX/XX/XXXX Enclosed are copies of the reports showing the violations enclosed is the proof of fraud by the company this to XXXX who does'nt answer responses they sent working on a caseto CFPB but nothing, this is credit reporting violations by them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft please remove this fraud inquiry from my credit report
Product: Debt collection

This company XXXX XXXX I, XXXX appears on my crdit report trying to collect an amount of a XXXX  that I never open dated on XX/XX/2018 .... ( see attachment ) This company, XXXX XXXX I, XXXX have all my personal information with out my concent.
Product: Debt collection

I was evicted from the apartment complex, XXXX XXXX ( which has been sold to someone else and the name has been changed to something else ) in XX/XX/XXXX. I was never contacted by the management company XXXX XXXX XXXX or anyone relating to them. 

I was contacted 18 months later ( between XX/XX/XXXX/XX/XX/XXXX ) by Hunter Warfield, Inc. telling me that they were a law firm representing XXXX XXXX XXXX XXXX XXXX stating that I owed them over {$10000.00} and when I explained to them that I did not owe them the money and I had disputed the debt on all three of my credit reports to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the debt was removed because they did not report accurate information. I was then told by Hunter Warfield that they proved to the credit bureau that the debt was accurate so it was back on my credit report after being removed. I then told them that it was against the law for them to put something back on my credit report and they said that it was not. I then asked them if the debt was accurate can they prove it to me by showing me a ledger or something and then I was told, " We don't have to send you anything or prove anything to you because we proved it to the credit bureau ( XX/XX/XXXX ) .Then they hung up on me. 

I know that I don't owe them over {$10.00} and they refuse to show me anything proving that I owe them money because I don't owe them. They are committing fraud by trying to make me pay money that I don't owe them..
Product: Debt collection

Daily repetitive calls from Global Lending. They would call from numbers that comes up as Scam Likely. Representative will threatening to sue me, have claimed they are detectives calling to investigate a theft, and stated they will serve me at my place of employment. The debt was sold to a third party collection agency and was informed it was discharged as a lost. The collection agency is trying to collect on a debt that is no longer owed. They stop reporting to my credit report for over a year and in 2021 the collection calls and reporting starting with different dates being reported to all three of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to
Product: Debt collection

I never received any notice to verify I owed or am responsible for this debt. I noticed this debt was in collections from XXXX XXXX only once I reviewed my credit report on XXXX XXXX, XXXX. I contacted the debt collector via phone, requesting verification and notifying the debt collector that I dispute all claims that I owed the debt reported on my credit report. The collector viciously argued with me and hung up on me twice, the first time when I was disputing the claim that owed the debt and the second time when I called to inquire the contact information of the original creditor and claims. The debt collector mentioned I did not receive bills or other information in regards to the debt because they did not have my information. The only information that the collector had was my name, date of birth, and SSN, which makes no sense and is not sufficient proof that I owe this debt or why I had not been contacted in XXXX, if I am so responsible for this debt. I have been denied of my rights to promptly, adequately, and sufficiently defend myself from such illegal, and inappropriate tactics used by this debt collector in recovering a debt that does not prove to be mine. I had never received any notice of this debt prior to me investigating my credit report on XXXX XXXX, XXXX and is when I found this debt on my credit report. I have never received any communications in regards to this debt, which has been illegally reported and misrepresents any debt in which I owe or am responsible for.