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

Had a fraudulent loan taken out using my information, but with a different phone number, bank account, and address that I have never used or claimed to be mine. The company that provided the loan to the fraud was MoneyLion. The account was signed up on XX/XX/2022 but I did not realize it had been reported on my credit report until recently when I went to open a credit card and was rejected. I checked my credit and on my report I had a {$1000.00} loan taken out by someone that was not me. I contacted MoneyLion support and they provided me with the loan details, showing my name but a different address and phone number. I assume to take out a loan they used my social security number, date of birth, and full name but used a fraudulent address, phone number, and bank account. I have tried contacting MoneyLion support through email and they told me I had to call in. When I try to call in I am unable to get past the robot that handles their calls. When I attempt to get through the robot I am left with the robot guiding me to go back to emailing support for help, and get stuck in the loop of them ping ponging me back and forth from email to phone call. I have also contacted my local police department and they have given me a police report to give to MoneyLion, but like I previously stated, I get stuck in the loop. I am looking to file a lawsuit with MoneyLion for wrongfully putting out a loan under my name and credit report ( social security ) but with a different address, bank account, and phone number. They should have easily been able to look at public records to find my address and phone number and avoided setting up a fraudulent loan. MoneyLion is currently charging interest on the unpaid loan and my credit continues to be lowered. I am unable to open a credit card or get a loan for anything, my financial life is essentially ruined for the time being. Please help me with this case I am willing to provide all the evidence that I have. I have already spoken to a lawyer who claims that my case is valid and strong and is willing to move forward at any time.
Product: Checking or savings account

In mid-November 2019, BOA advertised a promotion for {$100.00} if you have direct deposit for 90 days. I visited the XXXX, MO, location and opened the checking account on XX/XX/XXXX. My direct deposits have been made biweekly since ; however, I still have not had the {$100.00} credited to my account. I have followed up several times by calling the customer assistance number, each time getting a different person and location ... even someone in Alabama. One representative told me I have to wait 180 days to receive the {$100.00} credit. In XXXX when I followed up, I was told the representative forgot to notate my account but the matter has been escalated. I have not heard back at all since that time. I have been getting the runaround and I feel BOA is being deceptive in their advertising. I want my account credited immediately for the {$100.00} advertised and an additional {$25.00} for the lost interest and use of the funds. I should not be penalized for their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXXXX/XX/XXXX GXXXX 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 XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account number : # XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX, WA XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, MI XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, Tx XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX, UT XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IA XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX. Account Number : XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Checking or savings account

Filed 2 different disputes on two different debit xards on NetSpend they close all my accounts now they won't tell me when I can get my funds back in the amount of {$300.00}
Product: Debt collection

Im not sure if this is where I should take this, my daughter bought a business and my wife and I co-signed for loans because of being young and limited credit, this was XXXX, in XXXX her business failed, so knowing We had co-signed I took a home equity loan and paid the loans off, m & t bank was the bank involved. Now moving forward I received a letter from the treasury that a XXXX loan wasnt paid, XXXX of this year XXXX yrs after the fact, so we contacted the daughters bankruptcy lawyer to see what they were talking about, I have the payoff receipts and monthly receipts, but the payoff receipt has one account number and their were 3 loans it was called a bundle loans, our lawyer is trying to get the break down on the payoff where the money was dispersed, my social security is being garnished for a loan I paid, we cant afford to spend thousands on a specialty lawyer, dont know what we can do, any help would be greatly appreciated, thanks Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  has an open amount on my credit report exceeding {$20000.00} from ... ... XXXX 

This is over 8 years aging and should be off any credit report. This should not damage my credit standing after 8 years. 

Of note : I do not recognize this account. Therefore, I am requesting original documentation with my signature on an application for this credit card. I do believe that this is an exorbitant amount of debt for a working woman 's credit card. I really do not believe my income alone would allow a substantial credit line. If the owed amount is over {$20000.00} ... ..how much was the original credit card! 

This account has a date of XX/XX/2015 ... ..over 8 years ago. This should not be available nor on my credit report at this time, even, IF this were my credit card. 

I really don't have confidence in this nation 's credit reporting as there are voluminous errors in credit reporting as is. However, I do request this be removed from my credit report due to the question of validity ( I was the victim of identity theft ) and the aging of this credit card.
Product: Credit reporting or other personal consumer reports

Multiple times I have requested that my name be corrected to match my Texas drivers license as it is my legal name. However, the credit bureaus has ( XXXX, XXXX and TransUnion ) refused. all three bureau 's maintain inaccurate and unverifiable information with regards to my personal information. The information must be consistent with the Texas drivers license issued to me along with the address listed on my drivers license. This is the only verifiable personal information. These companies have all caused me serious issue in obtaining credit due their illegal reporting practices. I have one name and one address. All other information is not verifiable and required by law to be deleted. Please update my personal information with my name and address. For more information please contact me.
Product: Credit reporting or other personal consumer reports

IN ACCORDANGE WITH THE FAIR CREDIT REPORTING ACT.-THE UST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX, Account Name : XXXX XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C. 16815-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. By law the three credit agencies report this account without my written authorization and are violating my consumer rights and they have to have 100 % correct information in the three credit agencies High balance : It is the same in two credit agencies and in the other has other information that is illegal and violates My rights as a consumer. I demand account deletion Account Name : XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company didn't do and investigation. I'm submitting supporting documents for removal of the inaccurate accounts showing on my credit report. Also I'm requesting a complete copy of all their proof of their investigation if comes back verified.
Product: Checking or savings account

Received a text from Chase that there was unusual activity and that they placed a hold on my account. I dont have a Chase account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX AND FORTIVA STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL XXXX CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX HOUSE, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX!!!!!
Product: Vehicle loan or lease

Trying to get a loan satisfaction letter for my XXXX. 

XX/XX/year> - I explained that I never received the document, said he would send. 
XX/XX/year> - Received document for a vehicle I dont own. 
XX/XX/year> - I explained they sent document for a vehicle I dont even own. I requested the correct doc be overnighted. He got approval to overnight it and assured I would receive it in the next few days. I never received it. 
XX/XX/year> - I once again explained situation + that never received it from last call. She got approval to express mail it and once again, I did not receive it. 

Prior to XX/XX/year> - I called originally to have it mailed and faxed to a XXXX XXXX 
The XXXX XXXX never received the fax. 
I called XXXX more times to resend fax. 
Never sent the fax. or the paper mail version.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. I did a thorough search of my own. There are inaccuracies after the credit bureau verification. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights Name of account XXXX XXXX XXXX  XXXX XXXX Name of account XXXX XXXX ACCOUNT XXXX XXXX  VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY ACCOUNT # XXXX. 
15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information other than records of convictions of crimes that antedates the report by more than seven years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Product: Mortgage

My complaint is with Freedom Mortgage, XXXX XXXX XXXX, XXXX, Ind XXXX ; the mgr. of the Tax Dept is XXXX XXXX. The first problem arose when {$930.00} was required monthly as the escrow payment. The total annual property tax for XXXX is {$8200.00}. The monthly amount should be {$690.00} in 12 monthly increments. Instead, Freedom requires an additional {$230.00}. When we questioned the excess amount, Freedom said they were assuming a large tax increase in XXXX. This assumption conflicts with California law which limits an increase to 2 %. The assessor analyzes property values each year and adjusts the tax bill up or down based on this analysis done between XXXX and XXXX. 
Currently there is {$9200.00} of our money in that escrow account. The extra {$230.00} over six months will be {$1400.00}. We did not want an escrow account as we are able to pay any property tax and did so with other mortgages, paying directly with no deliquencies. Freedom does not allow us to manage the property tax payments although they are doing a poor job and failed to pay the taxes on time. We sent a fax to Freedom with the tax bill in XXXX and asked that the entire amount be paid. Customer Care provided the fax number. The fax was addressed to the Tax Dept. The County tax office confirmed this week that the tax was unpaid and delinquent with a penalty assessed. A call to Customer Care revealed that the fax was buried somewhere in the files and was not forwarded to the Tax Dept. We want the escrow account terminated given the incompetent management. Calling Customer Care is useless as each time you get a different person. We were told to send the tax bill but were not given the correct fax number. Freedom does not issue guidelines for tax bill payment and apparently does not track tax information on the County website where the tax bill, including the Secured Supplemental Tax Bill is  displayed. This is a flawed system that does not work for the consumer. That impound account belongs to us and we are capable of handling the tax bills. Please help us out of this nightmare. There is no benefit to us from this arrangement.
Product: Credit card

I paid Progress in full and they didn't submit to all bureaus correctly nor in time. They waited a couple of months and left {$1.00} owing.
Product: Mortgage

My mortgage was transferred to Mr Copper/XXXX at the end of XX/XX/XXXX beginning of XX/XX/XXXX. I got the welcome packet beginning of XXXX but my XX/XX/XXXX statement never came.I called and asked why and they said it was coming in XXXX because my loan was transferred. XXXX came and they lumped XXXX and XXXX payment into one statement. That statement didnt come until XX/XX/XXXX. I currently dont have XXXX statement? I called again and was told it has not even been sent out. The mortgage company is deliberately not sending a statement it sending it out late?? My law I have no fees because my mortgage was just transferred but they are not and have not tried to tell me why in XX/XX/XXXX my statement has not been generated or sent out?? Its fraud and a way to try and eventually get late fees or make me pay online. I pay my check the first 3 days of each month and have never had a problem with any other lender. Im at a point where if XXXX Statement is late Im hiring a lawyer!!!
Product: Credit card or prepaid card

You did not have a problem category that exactly matched with my experience. Here is my problem. On XXXX XXXX, XXXX we received a letter in the mail from Citi about our credit card account. It said that we are to be issued a credit which represents a refund of certain fees previously billed to our account for a discontinued credit monitoring program previously offered by Citibank N.A. It went on to say that " a statement credit of {$140.00} representing the refund amount has been applied to your account and will appear on your statement within two billing periods. '' It is now 4 months later and no credit of the expected amount ( or any amount ) has ever been posted to our account. I called and spoke with a rep at Citi. He told me that the credit has been given to me. I asked him for the date of the credit posting and he said he did not have that information. He then referred me to a different phone number and it turned out to be a robot system that was unable to help me. In other words he " blew me off ''. It is apparent that Citi is dodging this issue.
Product: Debt collection

This collection agency have threaten to damage my credit report because of a bill that was created on XXXX. I was making payments to XXXX in an amount that I could afford, which began with payments of {$150.00} and because I could no longer afford that due to decrease in hours at work I was only able to the amount of {$20.00} per month. I applied for assistance with XXXX but I was denied help. XXXX sent this bill to collections and I have been in contact with this collection agency and communicating with them and have been paying them as much as I can my first payment was for {$78.00} and my second payment was {$100.00} which i sent out today in the mail and when I called them they were asking for more like {$77.00} more and I don't have more! We are still in the midst of a pandemic and it is really hard to pay more! That was all I could pay towards this bill and the collection agency stated that my account could at any time be pulled and sent yet another third party agency and it's beyond their control! It's really sad that I was charged this much in the first place a {$3000.00} plus just for in XXXX. This is wrong and if they are not able to handle this situation, then I know surely XXXX will! I still have to pay for housing and for my car so that I can even go back in fourth to make the little money I have to pay my bills with and if I only pay this one and not the others then I will not be able to go to work and they will not be able to get any money from me so what do they choose to send this bill to the get the little that I'm giving or to get none, seems like this is not understandable to everyone!