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

A fraudulent account was set up in my name by a company named MoneyLion ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for XXXX, XXXX, and XXXX. I immediately contacted MoneyLion again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though MoneyLion is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, XXXX XXXX
Product: Debt collection

Account # XXXX Balance : {$530.00} Creditor : XXXX XXXX. 

Account # XXXX Balance : {$0.00} Creditor : XXXX Account # XXXX Balance : {$270.00} Creditor : XXXX . 

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in the school but never attended any class.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXXXXXX XXXX XXXX Bank ) - XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX & XX/XX/XXXX -XXXX XXXX ( Finance ) - XX/XX/XXXX & XX/XX/XXXX XXXX XXXXXXXX AUTO XXXX ( Finance ) - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) - XX/XX/XXXX -XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX. ( Finance ) - XX/XX/XXXX -XXXX ( Bank ) - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX ( Finance ) - XX/XX/XXXX XXXX BANK ( Bank ) - XX/XX/XXXX & XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed some unauthorized inquiries and account on my credit report, According to the ( FCRA ) these are unverified and unauthorized items and I would like them to be removed from my credit report. 

Inquiry : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX DATE : XXXX XXXX, XXXX Account : XXXX XXXX  DATE : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, after checking my credit reports I have found some false inquiries listed on my most recently reviewed consumer reports, there are unverified inquiries that does not have accounts attached. Also, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
Inquiries Listed Below : XXXX, Inquiry : XXXX XXXX, XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX  XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX, XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : 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, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these inquiries reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. Starting 30 days from the date on this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the inquiries from my consumer report without prejudice.
Product: Checking or savings account

California check cashing located in XXXX XXXX is falsifying XXXX XXXX checks and telling me I owe {$630.00} demanding full payment using XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. By Law I had to vacate that property XX/XX/2021 at XXXX. I never paid XXXX XXXX {$5.00} to print checks using XXXX XXXX XXXX XXXX XXXX sf CA XXXX.they sent the notice to XXXX XXXX XXXX XXXX XXXX XXXX : XXXX CA XXXX and the post office forward it to XXXX XXXX. I got it today. They are going to try and tax my sis money just like they did last month even though I closed the checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent a great deal learning now the difference in finance and credit industry. I have spent a great deal trying to work with XXXX, XXXX, EQUFAX but nothing more insulting think we don't read our rights. After the appeal to fix my credit report was answered by one so far ( XXXX ).
Product: Vehicle loan or lease

I am a victim of Sanatander and there predatory lending and illegal tactics to sell cars. I bought my wife a car from a dealer in XXXX. Me not knowing much about the car buying process and finances I feel Sanatander saw that as a weakness and exploited it. We bought a XXXX XXXX XXXX and the payment was {$440.00} a month. At this time I only made around {$15.00} an hour working XXXX to XXXX hours a week. Santander set me up for failure knowing it would be difficult for me to pay for that car. In XXXX I lost my job and couldnt pay for and it was repo. At this time i still owe around XXXX on it. I am still dealing with the effects to my credit from that car and dealings with Santander. I read they have a class action lawsuit for predetory lending and discriminating against XXXX XXXX  and XXXX.
Product: Debt collection

I request information from XXXX XXXX. I requested XXXX a List of all payments, XXXX. Validation of debt, XXXX. License to collect in my state, XXXX. Chain of custody of alleged debt. This is a violation of the privacy act as wellXXXX XXXX XXXX- They failed to provide all the requested information. Delete this collection off my credit report! As, they sued without my knowledge also. I have not received any of the requested validation its been well over 30 days. CFPB XXXX do not close this out without verifying this debt. Its against the law! I would like all these request documentation from XXXX XXXX. Please Send updated credit report with deleted collections from XXXX XXXX. Please delete this off my credit report immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a payment was made to XXXX that was returned by my bank on XX/XX/year>. I made the payment that was returned via credit card over the phone on XX/XX/year>, which I counted up to be 22 days. Trans union has reported this as a 30 day late payment and upon contacting an agent he said it is always been this way that if you are one day late is reported as 30 days late. However after reading the fair credit reporting act in order for the payment to be reported as 30 days late it needs to be 30 days or more but less than 59 to be reported as such. I am requesting Trans union once again to fix this issue and remove this late payment from my credit report. I have screenshots of the missed payment date and the payment made date as well as a screenshot of what the agent stated when I spoke to Trans union via chat. Once again, I am asking that this is corrected before I involve ian attorney to get this resolved.
Product: Debt collection

My complaint is against my mortgage lender Loancare who is not paying a third party debt collector who are trying to collect their fees on delinquent school district taxes.

1. First they did not taxes to school district in year of 2020 leading to involvement of third part debt collector who started sending me notices about delinquent taxes. We informed Loancare about it. The said they will solve it but didnt. No follow up was done.

2. We got second notice from debt collector with increased fees now due to delay. We informed Loancare about it. They said they will resolve it but didnt. No follow up was done.

3. We got third notice from debt collector with increased fees now due to delay. We informed Loancare about it. We started escalating as company did not show any responsibility and accountability. They again said they will resolve it but didnt. No follow up was done. They asked us to call them for follow up this time.

4. We called, they said they have resolved this issue. To no surprise, we got slammed with fourth notice with fees increased again.

5. I tried to escalate with multiple calls. The call center keeps transferring to different managers who says will call back but never do. They never let me speak to their supervisor. They never send any follow up email or calls. They dont allow me to pay off this debt collector and then reimburse me. I am so tired of them. I dont know what to do with their lies and irresponsible behavior.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AUTO never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that the above-referenced medical debt has been reported. However, I have reason to believe that my protected health information ( XXXX ) was improperly disclosed in violation of HIPAA regulations. I am a victim of identity theft, as well as the XXXX and XXXX data breach, so most accounts that appear on my credit report are fraudulent. 
As you are aware, HIPAA mandates strict confidentiality and security measures for handling XXXX. Any unauthorized disclosure of my medical information not only violates my privacy rights but also constitutes a breach of federal law. 
In light of this violation, I request that the following actions be taken immediately : Investigation and Removal : Conduct a thorough investigation into this matter and remove the disputed entry from my credit report if it is found to be inaccurate or improperly disclosed.

Notification : Notify me in writing of the results of your investigation and any actions taken to rectify this issue.

Correction of Records : Ensure that all records related to this account are corrected to reflect the accurate status and compliance with HIPAA regulations. 
I will be seeking legal advice for companies like CREDIT MANAGEMENT COMPANY because Ive never been to a hospital in XXXX Florida. This company is clearly violating the FCRA by purchasing my personal and confidential information without my consent, reporting invalid information to every credit reporting agency on my credit reports, not conducting thorough investigations before reporting this information, violating HIPAA laws, and whatever else fraud theyre committing. This company should be ashamed of themselves! As a consumer, I know my rights and I know that I can be compensated for the damages caused by CREDIT MANAGEMENT COMPANY. I am willing to do any and everything to put this company to shame and make my credit reports reflect the correct information about my credit worthiness. Please note that CREDIT MANAGEMENT COMPANY is reporting this collection account TWICE on my credit report.
Product: Vehicle loan or lease

Harley Davidson charged me {$200.00} XXXX XXXX XXXX and when I noticed it, I called them and they said it was for a XXXX party service fee for a repossession. I asked to have that removed since that company never contacted me about anything regarding this matter and the charge was added illegally.
Product: Debt collection

i would like this removed from my credit report. i have contacted the company already and they said they dont have enough information to satisfy that this is my account see previous complaints. If they dont have enough information then why is this listed. please see previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan # XXXX with XXXX was paid in full on XX/XX/2019, and the account closed. 

For an unknown reason, XXXX continues to report me as delinquent on my account. They are destroying my credit and they wont fix it. When I call they tell me theyll fix it, then the next week they report me as delinquent again. The company and customer service will not actually fix it. They are destroying my credit when my loan is paid in full and closed. Please help!!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' EQUIFAX is a consumer reporting agency and I am the Consumer. I have the right to ensure that my nonpublic personal information isn't shared without my written consent which is backed by 15 USC 6801 stating " It is the policy of the Congress that each 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 nonpublic personal information. '' XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  the financial institution and the Consumer reporting agency EQUIFAX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to EQUIFAX and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX BANK never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EQUIFAX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I filed bankruptcy in 2013, and added Advance America in the case and they continue to contact me threating to take action against me if I do not pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in a letter to Experian about an account that is inaccurate on my report and they fail to remove this account off my credit report. This has hurt my ability to obtain credit and honestly had delayed me in so many different ways. XXXX and XXXX removed the same account off my report but Experian is stating that they are verifying it some how, which is inaccurate because they never sent me any proof of anything bearing my obligation or consent that i own that account. Which i am the only one who can verify if the debt is valid or not. They are breaking the law and i want to exercise my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have yet to see an update regarding my disputes. it has taken more than 120 days for Equifax to respond. Their website is down when trying to check the status of my dispute and no one answers the phone at this company. I have submitted numerous documentation ( ever from the court ) showing there are inaccuracies on my report. I have yet to receive proof of verified accounts after requesting it from this companies as proof to what they feel is accurate.
Product: Credit card or prepaid card

Chase Credit Card Customer - Created application for credit limit increase on XX/XX/XXXX - Credit Limit Application was approved, moving from {$3000.00} to {$10000.00} - Credit Limit Increase was then revoked on XX/XX/XXXX due to a fraud alert error - I called Chase on XX/XX/XXXX to resolve the issue. While on the phone with a Chase analyst, the credit limit was increased again to {$10000.00} - Credit Limit was decreased again to {$3000.00} on XX/XX/XXXX due to a fraud alert error - I called Chase again on XX/XX/XXXX and XX/XX/XXXX and was informed that the XX/XX/XXXX increase was made in error by the Chase employed analyst. Chase offered no resolution to restore the credit limit to {$10000.00} and admitted it was due to their mistake. The original credit line increase application has since expired and they will no re-activate it. My only option to increase the limit now is to start over with a new application. 
- Countless hours on hold, multiple transfers, inaccurate information given to me.
Product: Debt collection

ACCOUNT NAME WESTLAKE FINANCIAL SVC Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed several fraudlent accounts some even had no account name associated with them.
Product: Debt collection

Hello I was Contacted From These Two Companies Resurgent Capital Services & LVNV Funding LLC. Can't Seem To Figure Out Why This Company Is Trying To Reach Out To Me On A Alleged Debt When They Are NOT Legally Licensed & Bonded To Collect Any Debt From Me In The State Of Georgia. Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts. Under 15 U.S. Code 1692d-Harassment And Abuse I Have Been Harassed And Now I Have Trauma Because This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you RESURGENT CAPITAL SERVICES & LVNV FUNDING LLC that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information. ACCOUNT NUMBER ENDING XXXX RESURGENT ID : XXXX