23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Case # XXXX-XXXX  was closed but not solved. 

In Associated Banks response they admitted that their employee did not stop/opt out of their overdraft protection service as I requested back in XXXX to which resulted in my account to be allowed to go negative twice for {$2000.00} each to which I had to borrow the money to cover it. 

They did refund the overdraft fees but should be partially responsible for the money allowed to go negative. 

Thanks for your cooperation. 

P.S. 
I do not want calls from them since I received harassing calls on the first complaint from them. 

All correspondence will go through this site.
Product: Checking or savings account

Bank Name : MoneyLion / XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX, Iowa XXXX Account Type : Checking Routing Number : XXXX I was targeted by MoneyLion via a digital ad to sign up for a new Checking and Investment account with them associated with a 'Pave the Wage ' program. 

Here is a link to program ad : https : //www.moneylion.com/learn/doing-our-part-to-pave-the-wage/ Get 17 % extra pay up to {$590.00} Women typically earn 17 % less than men*, and were helping to close the gap by giving you a 17 % cash bonus up to {$590.00} on your first direct deposit. 

To take part, check your email and MoneyLion app for an opt-in message and set up direct deposit of $ 500+ into your MoneyLion Checking Account. 

On XXXX XXXX 2019 I downloaded app, signed up for accounts on and opted into the promotion when prompted in the app by clicking the offer. 

I then immediately set up Direct Deposit following directions provided within the app and online and starting receiving bi-weekly paychecks to my Money Lion account ending in x XXXX as follows :XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX Further, I called their phone support # XXXX on XXXX XXXX, 2019 at XXXX ET and spoke with a rep who assured me that my account was set up correctly, that I was enrolled in the Pave the Wage promotion and that my paycheck direct deposit was completed. I requested he send me a record of the conversation in writing, however that did not happen. He told me that I should expect to see the bonus post without issue to my account per the terms of the offer. 

Now 5 months after my first successful direct deposit I have not received the promised bonus payment. I again called MoneyLion phone support today ( XX/XX/2019 ). 

The first rep said I was not on the enrolled account list ( despite what the rep on XX/XX/XXXX ) told me and that I was ineligible unless I could send them an email confirmation of my opt in from when I signed up. I told her that I could not send a confirmation as I never received one within the app and did not have access to emails from that far back ( I had to delete to make space ) I called back again on XX/XX/XXXX and spoke to another rep. Who after being notified of the call on XX/XX/XXXX told me that I was ineligible for the offer due to confidential reasons and would not tell me why I did not qualify. I cited the program terms as I understood them per the URL above that is enrollment in app via digital opt in to offer, repeated direct deposits to new account, and rep could not tell me why I specifically didn't qualify despite my understanding that I followed all rules and directions as stated, just that I wasn't on the list. I asked to speak to a supervision and rep said that would do me no good and did not allow me to escalate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I was a victim of Identity Theft so reached out to XXXX, Experian, and XXXX on XX/XX/XXXX via certified mail. The Credit reporting agencies removed the items from my credit report and placed them back on my credit report with sending me any notification and without furnishing and written agreements between me and the creditor. Through this entire time, none of the creditors reached out to me with an explanation. So I reached out to my attorney and was advised to submit a CFPB complaint. If there were no updates or changes within 4 days then I will be pursuing monetary litigation at the maximum capacity. 

In accordance with Fair Credit Reporting Act the listed accounts has violated my rights : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681 Section 604 a section 2 : Also states, a consumer reporting agency can not furnish a account without my written consent 15 U.S. Code 1681c2 - Block of information resulting from identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm being held back from a judgement on ( 1 ) credit reporting agency. XXXX is reporting a foreclosure on my report and XXXX XXXX will not allow me to refinance my home with a foreclosure on my record. I disputed this matter, sent in 12 months of clean payment history and my modification plan for XXXX to confirm that my mortgage company is NOT removing the foreclosure code. The other ( 2 ) reporting credit agency are coding late payments and have NO record of a foreclosure on my credit report. I'm being judge and denied for something that did NOT take place. I never been through a foreclosure. I own the house that is being reported as a foreclosure. My mortgage company, Plant Home Lending has inaccurate information on my credit profile and its impacting my livelihood. I spoke with XXXX and they saw the inaccurate reporting and agreed to submit another dispute after the no change status from my first dispute to resolve this matter. I'm not being treated fairly with labeling me with something that did NOT take place. This is negatively impact me and my ability to provide for my family. I'm simply asking if the coding can be consistent with the other ( 2 ) reporting agencies and simply code as late payment and NOT a foreclosure. I'm seeking assistance for someone or agency to work with me to resolve this matter with a sense of urgency. I greatly appreciate the understanding and assistance.
Product: Student loan

I am seeking participation in XXXX 's pilot program for school misconduct discharge, specifically for the private loans I acquired to attend The XXXX XXXX in XXXX. The XXXX XXXX employed deceptive practices, including providing false information about job placement rates and using high-pressure tactics to persuade me to enroll and take out private loans. I was coerced into believing that private loans were necessary since my financial aid did not cover the full tuition amount required to remain enrolled at the school. Currently, my private loans are still active, and I have been in repayment with the company for over XXXX years. These actions by The XXXX XXXX have caused significant harm, including postponing necessary medical procedures and delaying starting a family due to the financial strain imposed by repaying the private loans and the fear of acquiring bad credit.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty : XXXX XXXX XXXX XXXX 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency.

********* This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted
Product: Credit reporting or other personal consumer reports

This is a formal complain against all 3 credit bureaus - XXXX, Experian, XXXX. It all started with my identity was stolen and used to create a credit card account with XXXX XXXX XX/XX/XXXX. I learned about the existence of the account when I received a bill in XX/XX/XXXX. I immediately reported fraud to XXXX XXXX, who then closed the account while doing their investigation. I then asked and confirmed that the account was closed in XXXX XXXX. Because I continue to receive a bill from XXXX 's into XX/XX/XXXX despite being told that the account is closed, I filed an Identity Theft report from FTC in early XXXX and mailed the letter and report to all 3 credit agencies. When I applied to a mortgage lender for loan, a credit pull in mid XXXX resulted in my credit score dropped by XXXX points. All 3 credit agencies reported that the derogatory remark was because of the outstanding, +90 days past-due balance from XXXX 's XXXX despite I have placed an fraud alert and reported it to them. I have since filed a Police Report and submitted it to XXXX XXXX again , who claimed that they are doing yet another investigation for another 50 days. No credit agencies acknowledge this account is under investigation but " customer closed the account ''. At the end of XX/XX/XXXX, I physically went to XXXX XXXX to pay the balance and prepare to file a dispute in small claims court. Credit agencies bare no responsibilities but ruin my life despite me being a victim of identity theft and did my due diligence to ensure that I did my part to make this as transparent and as fair as I can. As far as I can tell, paying for an outstanding balance created by a perpetrator is not fair, nor do I suffer XXXX points deduction in my credit score. This is literally no way to recover from this nonsense against corporate bullies. FTC identity theft report, police report, evidence, history of credit -- none of those things matter.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my dispute regarding the unauthorized inquiry that continues to appear on my credit report. Despite multiple attempts to resolve this matter, you have failed to remove the inquiry, which is both invalid and unauthorized. This ongoing reporting is unacceptable and must be addressed immediately.
Product: Mortgage

I have been making my mortgage payments early. I sent a message to my mortgage company on XX/XX/2016 " RE : Early Payment applied to interest When a payment is made on the XXXX of the month for a payment due date on the first is extra dollars applied to interest? " I intended to say applied to principal. I received a letter from my mortgage company several months later stating they were researching my question. and have not heard back on my question. Before the servicing of my loan was transferred to Ditech, my former mortgage company adjusted the interest and principal amount to reflect the payment date. Since Ditech is working with the same loan documents, I am concerned there are no adjustments made when they receive the payment before the first of the month and if this is the normal practice for all customers.. In this case it appears there would be no advantage to making bi-monthly payments as suggested by numerous financial advisors. I am attaching several mortgage statements that indicate when the payment was received and how if was applied. Again my main concern is I have not received an answer.
Product: Credit card or prepaid card

I had a credit limit of {$350.00} with Amazon XXXX ( XXXX XXXX ). I made a payment of {$270.00} on XX/XX/2022 to bring my balance to XXXX. On XX/XX/XXXX and XXXX I made purchases totaling {$130.00}. On XX/XX/XXXX, I received an email from Amazon stating that my credit limit had been decreased to {$150.00}. Shortly after I began receiving alerts from the credit bureaus stating that my credit score had changed, the limit on one of my credit cards has decreased and as a result my credit usage has increased. I called and spoke to an Amazon representative on XX/XX/XXXX who said that she'd try and request an increase and there would be a soft inquiry on my credit. She attempted an increase request of {$1000.00} and I was denied. She offered to dispute the decision for me but I denied as I felt this would not resolve the matter. I am asking that someone take a look into this matter for me as I feel that the decision to decrease my credit limit was unfair. I have always made on-time payments and this decrease is hurting my credit score, one that I have been working hard to fix. I feel that I am being penalized for using my credit shortly after paying it off. Please assist. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and citi bank and also XXXX XXXX  offer credit to someone else using my social security number I have never had credit with these creditors and also XXXX XXXX and XXXX need to remove all negative inquiries off my report I did not authorize anyone to apply for credit in my name
Product: Credit reporting or other personal consumer reports

I was going over my bank statements along with my going through my credit to see my report I noticed that I authorized a XXXX payment on XX/XX/year>. Now without my consent they stole XXXX from my account on the same day but on their end it says XXXX on my end I authorized a payment of XXXX. I have proof that this is a fraudulent transaction.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

They are the collection of XXXX XXXX XXXX XXXX a collection agency. A monopoly that calls and collect when they have been paid XXXX. They will handle you from ever dime! Through letters and phone calls repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 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. 1681s-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.
Product: Debt collection

ABSOLUTE RESOLUTIONS IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT.

15 USC 1681e ( b ) - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates you are also in metro 2 violations.
Product: Debt collection

This company continues to email my mother who is not on the account. Within the email it includes my name amount owed and other details regarding my business with them. I have requested for them to stop yet they continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXXXXXX XXXX XXXXXXXX XXXX # : XXXX credit card is lost/stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is open, yet you report it as closed. You have stated, falsely, that it is XXXX, Equifax, and XXXX, who are to blame. You've told me that they only update my information every XXXX, XXXX, or XXXX days, which is a lie. They've contacted you with disputes, which you responded to, with fraudulent information. You lied and said, yes, the account is closed.
Product: Student loan

School misled me regarding whether my program had the accreditation necessary to qualify graduates for required licensure/certification. Failed to tell me that the school lacked the accreditation required and was not authorized by the appropriate agency in my state. School told me that the credits I earned at the school were transferable, but they were not. School told me that I'd be able to graduate in a certain amount of time, but then didn't offer enough required classes so that I could complete the program on time. I could keep going but...
Product: Debt collection

LVNV FUNDING, LLC LOCATED AT : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1200.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.