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

XX/XX/XXXX I started an account with MoneyLion ( XXXX ) and was approved for a loan of XXXX. This was approved and paid successfully with the last payment listed for XX/XX/XXXX. This acct was paid satisfactorily, which prompted me to use Money Lion a second time the following year. Starting XX/XX/XXXX I opened another installment loan with MoneyLion for another XXXX  ( XXXX ). This acct was also paid in full and reported to XXXX and XXXX, with the last payment being made and reported on XX/XX/XXXX. Again this was satisfactorily paid all payments were on time and the acct has been in " Paid Staus ''. This concluded my business with Money Lion. I have never reached out for any further Installment loans, yet there is another that was opened fraudulently. Less than 30 days after my last payment and closing of the 2nd acct, there was another opened for XXXX} on XX/XX/XXXX. ( XXXX ) This account is Fraudulent, I did not request this to be opened. I brought this to Money Lion, explaining that I have been a victim of ID Theft, and this acct opening confirmed it. My previous business with Money Lion was all payments made on time, and all accts paid in full. Yet this account has had not one payment made ( not like me ) and has since been a chargeoff and placed in a Derogatory Staus on my credit reports. I explained this to a Supervisor at Money Lion named XXXX XXXX She stated that the debt is currently rising and is now over {$500.00} due. I formally disputed this amount and requested information pertaining to the sign-up that was initiated on XX/XX/XXXX. I requested the Original Service Agreement with proof that I was the one who signed up. I was told that the Escalation Dept would be investigating and will get back to me. They emailed me 2 days later and stated that due to the information they have in their system they are confirming their debt as mine, I have included a copy of the email decline. I feel that Moneylion did not investigate properly or they would see that not only did I only utilize Moneylion twice, but both times MoneyLion was paid in full with no issues at all. The nonpayment attached to the third should have this account associated with fraud, due to no one payment being made. If this was my account it would show payments made. I am consistent in paying back my loans I have already filed a report, the record shows on my account. They responded, however, they just sent the terms and conditions of that loan. How is that verifying anything. This does not prove this account is my responsibility ; furthermore, please remove these charges from all three credit report agencies.

I have provided pdf documents related to this issue in previous reports. Please forward all materials to the company for review.
Product: Debt collection

I order items from XXXX  2022 but I returned all items because issue with every last one of them. They accepted my return but then my credit cards got stolen and bank dispute some charges because I had return these items they said they received them and put system as return. I then dispute all stuff from credit card at the time and Im assuming they took charge back but they told me they received the items and they have been returned which the document show it was returned. But they are still trying collect on debt that shows returned.
Product: Credit reporting or other personal consumer reports

Reached out to credit bureau about these accounts and they have not taken any action. They have responded that they needed proof of identity on XX/XX/XXXX, which was provided and attached to this complaint. While reviewing a copy of my credit report XXXX I discovered some inaccuracies in my personal information. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable and unvalidated and inaccurate. I mailed numerous letters and copy of FTC report XX/XX/XXXX and did not get a response or negative accounts removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The reported delinquencies for XXXX and XX/XX/2023 are inaccurate due to XXXXXXXX XXXX loan forgiveness plan. Payments resumed in XX/XX/2023. XXXX 's representative apologized and assured that the correction would be made promptly. Regarding the XXXX forgiveness, XXXX hasn't updated it with the Department of Education per a representative, as bills for payment are still being received.
Product: Credit reporting or other personal consumer reports

This regarding 2 credit cards one with XXXX  and other with XXXX XXXX XXXX these sold to midland credit management then had XXXX XXXX XXXX collecting money I had both paid both cards off see letter provided from XXXX XXXX XXXX XXXX issues XXXX I did not understand why after paid was removed from XXXX XXXX and XXXX I called Midland credit management told me I had settled for a balance I try explain did not complete a settlement and refused change anything I never agreed to a settlement I paid everything I owed I need these credit bureau showing I paid in full I want make sure not getting XXXX also for a dis charge debt XXXX the next issue XXXX  the issue is XXXX cards showing I still owe for XXXX I providing screen shot for this I had dispute with XXXX  and closed I tried XXXX I can not make pass automated system I called midland credit management talk to XXXX refuse do anything I need XXXX paid in full and not removed and other company paid in full I could not find which credit card company showing XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For two months now with no new negative information Experian has downgraded my credit rating. 
From XXXX to XXXX. 
Over the same period XXXX  and XXXX have upgraded me to XXXX. 
The only difference in my report is that I have paid off all debt except house. 
They have tried to get me to give them access to my bank account to have their experian boost bump my score but it doesnt seem to work for my bank. 
If they are downgrading me because experian boost doesnt work they dont get to do that. 
Why is XXXX downgrading me with nothing but good things happening? 
Why dont they have to explain to me their logic or lack thereof.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

XXXX of XXXX a financial instrument that represents a debt owed by the issuer to the holder. You are a consumer reporting agency, not a revenue agency such as the IRS. Why are you reporting certificates of indebtness to my consumer report which by law is ONLY to contain permissible purposes as outlined in Section 604 or the FCRA. 

These income accounts need to be removed IMMEDIATELY : XXXX XXXX XXXX PREFERRED CREDIT XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been used Ive filed a ftc report and mailed it to the credit beuras but no action has been taken this is affecting me from establishing positive credit I want to buy a home in the future please remove this fraudulent account from my credit report the name of the account is called XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX DE XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX : {$94000.00} XXXX XXXX XXXX XXXX XXXX : {$46000.00} ; XXXX XXXX XXXX XXXX : {$94000.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Student loan

I have tried multiple times to log into the servicers website : https : //edfinancial.com/login. I tried several times at the end of XXXX, literally the XXXX, and the site would not allow me to log in or register a new account. Recently, I was able to create a username and log in possibly on Monday evening, XX/XX/XXXX. I saved the information in a commercial password vault and tried to log in today to pay my bill. It is XXXX CST. I kept getting an error code, and whenever I attempt to contact customer service through the website I get an error code after clicking the link. This error message is familiar because it shows up every time I have attempted to pay my bill in good faith. 
This needs to be fixed.
Product: Money transfer, virtual currency, or money service

1978 Electronic Fund Transfer Act, which governs digital payments, requires peer-to-peer payment providers such as Cash App to investigate and resolve fraud claims
Product: Payday loan

XXXX ( XXXX ) XXXX harassing me for a debt I do n't owe. Received my personal information from ACE payday lender from a supposed debt from 2010. Never had a outstanding debt with this lender. Did use them at one time but never left any debts unpaid. They are harassing myself and family members.
Product: Credit card or prepaid card

On XX/XX/2022, Home Depot and Citi Bank/ Home Depot and tried to get assistance and see my options because of financial hardship I was experiencing. I offered to pay {$25.00} a month, the representative said that wasn't good enough and insisted that I must close my account if I cant pay the required past due balance. I do not want to close my account. Home Depot / Citibank are refusing to work with me while I'm going through this hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CERTIFIED CREDIT REPOR XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX CERTIFIED CREDIT REP XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquiries on my report that are not mine. I did have some identity theft issues in the past but they have been resolved. There are XXXX inquires not mine. One is XXXX XXXX XX/XX/21 and XXXXXXXX XXXX XXXX  XX/XX/21. I want these removed ASAP. I have mailed Transunion letters but they have gone ignored. The XXXX employees are all working from home so operations is extremely sloppy and under managed.
Product: Payday loan, title loan, or personal loan

1st complaint # - XXXX I originally filed my first complaint XX/XX/19. After speaking with XXXX the branch manager on XX/XX/19 & requesting she stop contacting my job ; she called back to.my office again XX/XX/19 to harass me on my job for the 2nd day in a row. After speaking with me at my job & still threatening to have me arrested at my job site, XXXX then called my husband back & threatened him again with have myself and him arrested. 
I have explained multiple times that I do not have payment & for her to follow whatever course she needs to. XXXX has continued to call my job after being told to stop. She is still threatening my husband & still threatening to come to my house. 
Also after she made threatening phone calls, she ran my credit XX/XX/19 without permission & her comment to me was she was calling every contact she could to.force me into the branch to redo.loan which I have refused to do. 
XXXX, branch manager will not stop making harassing and threatening phone calls to my job or spouse. 
Please make it stop!!
Product: Credit card

I became aware of several charges on a Bank of America card. I contacted Bank of America asking them to validate the debt. They did not respond. Account was removed from my credit reports. Bank of America still reported the debt to the IRS.
Product: Vehicle loan or lease

In XXXX of 2017, my wife and I leased a vehicle from Mercedes Benz of  XXXX, Tn. We were not advised that in the course of leasing our new vehicle we were not advised that we were being billed XXXX dollars and were rolling this amount into our lease agreement. This amount was supposedly from a previously leased vehicle which was turned in at the time the new lease was signed. Attempts have been made to discuss this problem with the dealership, with no response. In addition have filed a complaint with Mercedes Benz Financial, who is lease holder, with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. XXXX/DSNB ( Date opened XX/XX/2016 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX/DSNB has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Bank account or service

The bank approved a XXXX from out country to take out of my checking acvount on the XXXX I have contacted them several times went in and filled out papers with bank mansger. They have returned my bill as insufficient funds and have now taken my social security money out of my account. It is now the XXXX and I have none of my money because of them stealing it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute and requesting the Experian credit bureau permanently delete the collection account for XXXX since it was over 7 years old and because information is being reported by collection agency was illegal re-aging. 
I also submitted 3 copies of past due notices from original creditor that shows that first DOFD was in XX/XX/XXXX and up to XX/XX/XXXX, however credit bureau just would sent dispute to collection agency and leave comment that collection agency reported back it is accurate.. Clerk from Experian wants me to provide him my history payment statement from the date account was opened, which is impossible to get. I called collection agency and they wouldn't do it and the original creditor wouldn't give me any due to account is placed for collection.
Product: Credit card or prepaid card

I TRIED TO REACH OUT TO THEM AND SOMEONE TOLD ME THEY WILL GET BACK WITH ME BUT NEVER DID.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans were in forbearance until the month of XX/XX/XXXX. In XX/XX/XXXX however I took 2 summer classes which should have put my loans in a deferment status. XXXX   has not reported since XX/XX/XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.
Product: Credit card

Request for Reconsideration of Credit Application Dear Marcus by Goldman Sachs, I am writing to formally address the decision regarding my recent credit application, which I believe may have been unfairly impacted by an evaluation of my credit score and financial worthiness. Per the Uniform Commercial Code ( UCC ), I assert my rights to open credit and object to any decision made solely based on credit scoring or worthiness, as it negatively impacts my character and reputation.

Under UCC 9-109, a secured party may not deny an application based solely on a partys creditworthiness or score. Furthermore, UCC 3-402 outlines that the signature and intent to agree to a contract or financial arrangement are binding and enforceable, and such credit applications can not be denied arbitrarily.

As a consumer with open credit and sufficient financial means, I respectfully request that you reconsider your decision and grant me the full credit amount as outlined in my application. Denying credit based on credit score alone reflects an unjust characterization and is a disservice to my reputation and your commitment to fair and lawful financial practices. Should you require any additional information or clarification, I am happy to provide it. I trust that you will correct this oversight and look forward to receiving your favorable response.
Product: Mortgage

Ameri-Home Mortgage failed to pay my property taxes. After months of complaining the billed was paid. Now I 'm showing a tax lien on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me point out the inaccuracies. These dates should be matching and also the payment remarks are not consistent with the reporting bureaus. Please help me out on this. 

XXXX XXXX Last Verified : XX/XX/2019 -- Last Payment : XX/XX/2019 XX/XX/2019 Last Payment : XX/XX/2019 XX/XX/2019
Product: Credit reporting or other personal consumer reports

XXXX XXXX transferred/sold my original debt to XXXX XXXX XXXX a collection agency, in XXXXXXXX XXXX XXXXXXXX. Even though XXXX services gave this debt to XXXX XXXX, they continued to report negative information on my credit report to all three credit bureaus, so this account was being reported twice from XXXX until XXXX when it was settled with XXXX XXXX. I disputed this with XXXX, XXXX, and Experian and all three bureaus stated it came back as a valid account, even though there is proof that XXXX Sold this debt. After I negotiated a pay to delete with XXXX XXXX, XXXX was and is still reporting this account. After XXXX sold my debt to XXXX XXXX, even though by law, they should have stopped reporting it on my credit report once it was sold. They were and still are reporting the account. This is directly affecting my reports in a negative way. I demand XXXX, XXXX, and Experian delete this account immediately, because reporting on a debt they legally have not owned for three years, is against the fair credit reporting act which governs accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX