23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I applied for a loan and was approved. After verifying my information and checking my credit etc. I was told on the phone that the process was complete and I should be receiving my money soon, I also received an email right after that indicating that the money was sent and should be in my account within a day or two. This was FridayXX/XX/XXXX.
By Tuesday XX/XX/XXXXI still had n't received the money and when I logged into my account there was no indication I had ever even applied for a loan, so I called their number to talk to someone to figure out what was going on since I was planning on having that money and it had n't shown up ... The phone call with the customer rep lasted about 30 seconds after which I was told there was no loan that was approved, they did n't know why I would have gotten that e-mail indicating funds were sent, and then she hung up on me. After looking into the company more I see this is a common occurring theme with them, they approve your loan ( while running your credit, collecting sensitive information, etc. ) and then completely ignore you when you follow up on it. At this point my checking account is now negative because I received confirmation that the loan funds were sent and they never showed. I would advise everyone to stay away from this company because you 'll only make your situation worse. To take advantage of people who are already facing financial hardship is appalling. I 'm also worried they will still take out the loan repayment now, because it seems like how they make their money is preying on people who ca n't afford to fight back. Attached are copies of the confirmation I was being sent funds and that it was finalized ( it literally says " they 're on the way '' ), the overdrafts in my checking account from bills scheduled I was planning on being able to pay ( and there will probably be more, because of them ), and the view of my account when I sign in showing absolutely nothing other than an " APPLY FOR A LOAN '' button.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to join Robinhood.com, an investment website for stocks and trading. They sent me a rejection email, stating I already had an account with them. They asked for the last 4 digits of my SSN, DOB, and Zip to identify myself. I did. They responded that there was a discrepancy in my answers and requested that I send a picture of the front and back of my drivers license. I did so. Then they requested that I send a picture of my Social Security Card. I did that. They said your account is under XXXX. I responded that that's not my email address and that I believe this is a fraudulent account. They responded that I joined on XX/XX/XXXX. I again replied that it wasn't me. I requested to know what information of mine had been given to them. I asked who the account name was under, what banking information they gave, what address they had on file, etc. It's been 5 days and I've still not received a response. I found two phone numbers after searching XXXX, and both phone numbers are voicemails that tell you to go to the website help section. I've sent a total of 4 emails without any replies. I have pulled my credit report, put a freeze on my credit, filed a police report, filed a FTC report, a XXXX  report, and will file with XXXX if I don't hear back by this weekend. I have saved all email exchanges up until this point and have an investigator from XXXX helping as well.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX and Equifax have incorrect information on my credit report and refuse to correct it. I've also been victim of my information being breached by credit reporting companies but they refuse to pay me for my time to fix my credit. I've been victim of identity theft because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a solicitation for a reverse mortgage, without my permission they did a credit check which I did not authorize. 

The company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX CA ran a credit check without my consent and stated I was applying for a loan which I was NOT!

This denial weakens my credit and was not authorized, I want this kind of action to stop as they prey upon senior citizens.
Product: Debt collection

I XXXX, XXXX XXXX have no knowledge of this account. Please be so kind to look into the collection and resolve this matter due that I am repairing my credit. I am a victim of fraud.
Product: Vehicle loan or lease

Vehicle was repossessed XX/XX/XXXX. American Credit Acceptance sold vehicle XX/XX/XXXX. Account was charged off XX/XX/XXXX. Interest was accrued from XX/XX/XXXX to XX/XX/XXXX. Charge off amount is incorrect. Loan with accrued amount was XXXX and sold on XX/XX/XXXX for XXXX. If the charge off was on XX/XX/XXXX. Then it should be for the amount of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has REFUSED to properly take care of this issue. AGAIN, attached is HARD-PROOF and and FTC complaint showing my dispute of these debts IN-WRITING! 
XXXX is at fault, but Equifax is equally at fault for allowing a simple " response '' to suffice for validity of a debt from a group when I provide a real dispute response? 
Is Equifax getting some kind of payment from them for doing this and adversely affecting my credit? These are the only things negative on my report so does Equifax make money for hurting my score? Whichever the case, I am tried of dealing with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX To my knowledge and records XXXX the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

( Also See Identification Below ) ( Please see attached dispute letter to view the accounts that I am disputing ) ( Please see attached fraud affidavit )
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Hello Dear CFPB I want to share my experience and complaint regarding very unfair and bias way i was treated by US BANK and there employees a specially XXXX XXXX in Fraud Department. On XXXX XXXX XX/XX/2015 I received offer from US bank to apply Cash plus Visa Signature card. After a lit bit thoughts i decided to apply as i did not have any relationship with US BANK and wanted to start because the card had a lot of reward and other perks. After applying my application went directly to FRAUD department which was really very weird and i surprised for me. making long story short i contacted Us bank and was Welcomed by VERY RUDE Disrespectful person name XXXX XXXX who was from beginning start accusing me that i will take this card spend and never pay them back even though i have VERY exceptional credit and I 'm very responsible borrower having just used 2 percent of my total available credit NEVER been Late and doing all my best to Never have any delinquent or negative mark in my credit. XXXX XXXX start making assumptions that im high risk that i have available credit and and because i do n't have balance XXXX day i might take all credit available to me spend and never pay back. I have great job great credit and i was treated very very biased and i do n't afraid use word maybe even discriminated. I ask him politely to speak to supervisor and he did n't wanted to transfer by saying on behalf of supervisor that supposedly he would tell me same thing but after me pressing him he finally transfered me where i left message and never got all back. Couple days later i received this letter the reasons of my application denial which is completely false all reasons. i attached to see all of them and also im happy to send my updated credit bureau with XXXX XXXX which shos i have VERY EXCEPTIONAL CREDIT the same credit which they rated XXXX score XXXX they denied me credit based on all false injustice reasons. Im giving my consent to please investigate and know the TRUE on my behalf dear Consumer Financial Protection Bureau. All this process was VERY UNFAIR BIASED AND IM SURE I WILL CLEAR MY NAME BECAUSE MY CREDIT CARD APPLICATION WAS NOT SUPPOSE TO BE IN FRAUD DEPARTMENT IN FIRST PLACE. Please assist me to find justice and to credit equal access to credit based not on any type of XXXX religion or national origination but based on facts and the facts are i have as i stated very exceptional credit great job and income and still my application goes to fraud department for no resaon. thank you very much
Product: Credit reporting or other personal consumer reports

XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX  Address XXXX XXXX XXXX XXXX, MI XXXX XXXX details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX  Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate on behalf of XXXX XXXX XXXX  XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

FACTUAL DATA Address None Provided Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate on behalf of XXXX MORTGAGE SC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Student loan

Good Day! 

My name is XXXX XXXX ( XXXX ), and I am writing to file a complaint on behalf of Mohela. As instructed, I applied for the PSLF program in XXXX and have yet to be provided with any updated accurate information. I initially joined the XXXX XXXX XXXXXXXX in XXXX of XXXX, and was told that as long as Im working more than 30 hours weekly, and made that if 120 payments, I would qualify for either TPSLF or PSLF. 

On several different occasions, I have reached out to Mohela for updates as additional clarification, and each time it appears to fall on deaf ears. 

Per different CSRs, there system is showing that my employment meets the qualifications, but I have yet to that see information reflected on my account. 

Each time I call, I am on hold for long times, and I walk away from the conversation each time confused and frustrated. 

Whenever I email, all I receive in return in automatic replies with no resolution. 

Just asking for an update and how to turn my XXXX eligible payments into qualifying payments. 

Please help me someone please!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refuses to validate the debt. I have sent a letter to them disputing the validity of the said debt. I requested that they send me information proving that I owe what they say I owe. The did not comply. This is in violation of the FDCPA. I have disputed the debt with the 3 major credit bureaus and they continue to report an invalid debt. This is in violation of the FCRA. I will have to peruse litigation if they continue to report this invalid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX, XXXX XXXX Incorrect Address ( es ) XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I don't remember the exact dates but my credit limit was XXXX i had attempted to pay XXXX to my credit card but they kept charging a card that i didn't have and when i tried to dispute it with them so they charged the right debit card they shut my card off and then added all these fees i don't owe i tried to pay off my card they refused to work with me and closed my credit card acct with them so i am disputing that i do not owe them almost XXXX they wrongfully closed my acct
Product: Student loan

Good afternoon my name is XXXX XXXX XXXX XXXX XXXX I have been dealing with this issue for years now I have submitted all documents too XXXX XXXX discharge I receive XXXX and they are trying too garnish me I have no use of my XXXX and cant XXXX no medical insurance have too pay for everything out of pocket please help me
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you