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

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Page 35 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Debt collection

I am writing to dispute and request the removal of a dismissed fraudulent bankruptcy entry on my credit report. After diligent investigation and legal proceedings, it has been confirmed that the bankruptcy case was dismissed, and there is no basis for the inclusion of this information in my credit file. 
Below are the details related to the dismissed bankruptcy : Bankruptcy XXXX  XXXX- dismissed Reference # : XXXX PLEASE DELETE!!!! 
It is imperative that this inaccurate information is promptly removed from my credit report to ensure its accuracy and to reflect my true creditworthiness. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed information within 30 days of receiving a consumer dispute. I kindly request that you expedite the investigation process and promptly remove the dismissed bankruptcy entry from my credit report.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$350.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX. Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.
Product: Debt collection

After checking my credit report, I noticed fraudulent accounts listed. Kindly remove these as they're impacting my credit.
Product: Student loan

Nelnet  raised my payment to an exaggerated amount than when I could n't pay it they offered me a deferment taking on all the interest to my principle. They then said at the end of my deferment my payment would be manageable but instead it came back at the original exaggerated amount. I 'm tired of the games they are playing adding interest and fees when they know I ca n't make their demands.   Please help stop these preditory practices to a stay at home mother of  XXXX .
Product: Money transfer, virtual currency, or money service

I am the owner of XXXX XXXX XXXX, XXXX. We had a file closing and needed to update the payoff prior to closing. We received the payoff XX/XX/XXXX. Then received another payoff XX/XX/XXXX ( it is not unusual for a lender to send updated payoffs without being asked ) XXXX XX/XX/XXXX payoff was altered with the lender name changed from XXXX XXXXXXXX XXXX to Suntrust/Truist and the account number was altered along with one digit in the payoff amount. We closed and the wire was sent to Suntrust/Truist on XX/XX/XXXX at XXXX. 

XX/XX/XXXX the realtor, seller and lender called to say the mortgage was never paid off with XXXX. After further research with our bank, XXXX, we find out that the name on the account was NOT XXXX XXXX XXXX, XXXX at Suntrust/Truist. Suntrust/Truist should have returned the wire since it didn't match what we sent. XX/XX/XXXX XXXX XXXX  requested the wire to be returned as the title of the account and the account number didn't match. To date, I haven't been able to speak with anyone at Suntrust/Truist since I don't have an account with them ( I called their fraud department and they said they won't speak to me since I don't have an account with them ) The amount of loss is {$150000.00} and has been accruing since XX/XX/XXXX when we initiated the wire.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

Adv America has notified me of an impending withdrawl of {$1000.00} for some debt I did not make.
Product: Mortgage

Hello, I initially filed a complaint in XXXX with CFPB but was unable to locate the reference number of the response. Since that time, my issue is now disputing the mortgage company denial to remove late fees and negative credit reporting entries. The details are included on the attachments that were also sent to the mortgage company. I am waiting to hear back from them.
Product: Debt collection

XX/XX/XXXX I received a call from Midwest Recovery Services stating I owed a debt for a supposed payday loan taken out in XX/XX/XXXX. They stated that I owed {$600.00} to XXXX XXXX XXXX XXXX and that I gave them permission to take an ACH from a XXXX XXXX account ( which I've never had ) and that it was insufficient funds. When I asked them to send me documentation regarding this debt -since I'd never taken out a payday loan or had a XXXX XXXX account, they hung up on me. I called them back and spoke with a XXXX XXXX and she stated that they are just a mediator and do not have access to that information. I explained that the address they had for me was not mine and that I never had a XXXX XXXX account nor taken out a payday loan and she threatened to send it to the Attorney General for prosecution and that once they do that I would have access to this documentation and then hung up on me again. I did some research online and discovered that they do this to a lot of people and say the same thing and these people also have never taken out a payday loan. This company needs to be stopped. They are ruining peoples credit with fraudulent information.
Product: Credit card or prepaid card

Paid my Synchrony Bank Sams Club credit card in total of {$3700.00} and accidentally paid it twice resulting in the same amount as a credit. Contacted customer service and was told that it would take 7-10 business days to receive a check and there was no quicker way. I wait a week and call back to check the status. I was told that it had not been processed. I was then told that they would send it via XXXX  XXXX in 3-5 days. Requested a manager to contact me back as to why it was not processed the first time. Never received a call and never received the check. Call back a week later to find out that it was still being processed. Was told that a Manager tried to contact me but the notes said that there was some noise but nobody said anything. I never received the call and they didnt try back if they did call. Im now given the same song and dance about getting my check and someone following up with me.
Product: Debt collection

Company is  reporting on all  XXXX  credit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not. I have (    XXXX   ) late pays on  XXXX    XXXX   XXXX  loans that they state can not remove even though I was in school.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail I 've sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These unverified must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these unverified, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or repaired as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a summons on XX/XX/XXXX stating I was being sued by the debt holder. On XX/XX/XXXX I replied to both the court of XXXX XXXX Indiana, and the debt holder representative asking for more information regarding this debt. This is in a former legal name, which has been changed since XXXX, I wanted to verify if this was even my debt as I have no recollection of this creditor. I received no response to the letter, nor the request sent via the website on XX/XX/XXXX. I have since received a judgment due to not response, however a response was sent. I know have a judgment against my name, for debt they will not even verify is mine.
Product: Credit reporting or other personal consumer reports

This account was opened on the following dates from the consumer report There are no on time payments This is inaccurate payment history reporting. I should have active payments this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Experian and XXXX failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account was settled a couple of months ago. Transunion, XXXX and XXXX are not showing the correct information on balances, that the account was settled and amount paid, etc. This information needs to be updated to be correct or delete this accounts from the the reports.
Product: Credit reporting or other personal consumer reports

Received a copy of my credit report on XX/XX/2023 and XX/XX/2023 and theirs 's 21 hard inquires on my credit report from XX/XX/2023 - XX/XX/2023 they're 61 soft inquires also on my credit report.

I have called and written letters to all three-credit reporting
Bureaus ; XXXX, Experian and XXXX which included a copy of my driver 's license and social security card,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting over 30 accounts that are closed. These accounts are being reported as open The accounts are closed and credit services like credit plus, XXXX XXXX and XXXX XXXX should not be getting funded to keep closed accounts reported yearly. These same accounts are being reported on XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as ( XXXX XXXX XXXX XXXX XXXX ) is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed several accounts and inquiries on my Experian credit report that does not belong to me. 

XXXX XXXX XXXX ... Account Number : XXXX XXXX XXXX XXXX Bank XXXX XXXX Account Number : XXXXXX/XX/XXXX Bank XXXX XXXX ... Account Number : XXXX XX/XX/XXXX Bank /XX/XX/XXXX XXXX Account XXXX : XXXX XXXX Bank / XXXX XXXX Account XXXX XXXX XXXX Dept of ED /XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXXE ... Account Number : XXXX Dept of ED / XX/XX/XXXX... Account Number : XXXX Dept of ED / XX/XX/XXXXE ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXX.. Account Number : XXXX Dept of ED / XX/XX/XXXX. Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED / XX/XX/XXXXE ... Account Number : XXXX Dept of ED / XX/XX/XXXX ... Account Number : XXXX Dept of ED /XX/XX/XXXX ... Account Number : XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XX/XX/XXXX XXXX XXXX Unauthorized Inquiry XX/XX/2021 XX/XX/XXXX Unauthorized Inquiry XXXX
Product: Credit card

I was contacted by XXXX back in XX/XX/XXXX and I paid them {$2000.00} with my US Bank credit card, apparently for their " Business Concierge '' package. It was my understanding that they were going to increase my online presence by managing my online reputation, therefore increase my SALES. Well it has now been a while, the reason why I am writing to your agency is because they promised me in writing my refund on XX/XX/XXXX and they are not complying with their word, I called them several times and no word from them. They are being dishonest and I need your help with that. I am attaching the refund and harmless form that I signed to this complaint.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

To following information on my credit report is the result of identity theft and should be blocked : Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days. 
Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX my XXXX XXXX was deposited into my account it went Immediately on hold.. I called capital One to find out why and they told me that the government have them putting the accounts on hold and that I need to send in some required documents such as my tax returns and my loan application..Which I did ..its been over 3 months and Ive been calling to see whats going on XXXX And I also asked do they have some from the government stating that and do they have some thing in my documents that I signed when I opened my account several years ago saying this was a rule.. They have nothing in writing to give me.. Ive been very patient and they say they have everything they need in order to do they investigation and no time frame
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to KAY JEWELERS agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting KAY JEWELERS agency to remove this ( charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

On or before XX/XX/XXXX, I sent MoneyLion a debt validation letter for account XXXX in which they accused me of owing an alleged debt. With my original letter, I had also added an affidavit concerning violations of Fair Debt Collection Practices Act MoneyLion had participated in while attempting to try to collect such debt. Note, these documents were sent via certified mail with signed mailing return receipts to ensure MoneyLion received them. MoneyLion ignored my request, neither addressing the validation process or compensating me for their willful non compliance to the law. Their only response has been to request from me the information that I had asked them to validate. 

Under 15 U.S. Code 1692a titled " Definitions '' a debt collector is defined as any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts .... owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. 

By literal definition, MoneyLion falls under the term and as such are liable in concerns to the laws surrounding debt collection practices. MoneyLion has refused to not only validate the debt, they have reported the debt as paid and charged off to all of the credit agencies, ruining my reputation and credit worthiness. My last letter was delivered to them on XX/XX/XXXX at XXXX XXXX and I have not received a response from them since. 

Per their own correspondence, MoneyLion also accelerated the unpaid principal balance of this alleged loan and sold various securities in said investment account held at XXXX XXXX, XXXX to cash and transfer the cash balance to them, privately, sometime after XX/XX/XXXX in order to satisfy the debt you owe due to your overdue loan payments. They used this moeny to pay off the loan, charge off the debt and still report it on my credit as " paid, charged off '' despite not validating the debt or paying for their violations of the Fair Debt Collection Practices Act.