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

I have contacted MoneyLion several times in reference to this alleged account in my name. I called their customer service to report that I had never opened an account with MoneyLion and that it was opened fraudulently in my name, the person I spoke to told me that they would send me some documentation so I could dispute the account which they never sent. I have disputed this account multiple times with XXXX  to no avail, I even submitted and Identity Theft Affidavit with a police report attached. I have tried to dispute with MoneyLion via Email and asked for validation of this debt to which they ignored my disputes then sent me a copy of a form with a computer typed signature that could have been done by anyone including them and after they sent the " validation '' sent me an email stating they were closing my case because they had not heard from me despite the fact that I sent them a dispute via certified mail with a return receipt. When I asked them about the letter I sent via certified mail they told me they had not received it even though I have a signature confirmation that they did receive it. I've even offered to pay this inaccurate account off just to have it removed from my report because it is severely and unfairly damaging my credit because I never signed up for this account and they ignored my emails. I have even disputed this account previously through CFPB and they have failed to respond as of yet! I have been disputing this inaccurate account that does not belong to me for over a year. In that time, the account has been closed on my XXXX  credit report then reopened and then closed again which is also inaccurate reporting! I was able to get it removed from my other credit reports due to its inaccurate reporting but XXXX  will not remove it and claims that it has ben verified even though I have yet to receive any actual verification or validation of this account. This is not the first time MoneyLion has been accused of fraudulent business practices ; see United States District Court case no. 20-55058 DiCarlo V. MoneyLion. This testimony will be forwarded to the FTC since it is unacceptable for a lenders actions to negatively impact a debtors credit when the consumer has informed them that this account is a result of identity theft.
Product: Debt collection

XXXXXXXX XXXX have a debt on my credit reports that is not my debt. I sent this company an affidavit of dispute and validation and I have yet to hear back from them. The debt has been removed before because this company couldn't product anything proving it belongs to me. For some reason it is back on my reports and I wasn't notified by the credit bureaus of this. I recently check my report and see 's that is back on there. I want this off my reports because it is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I found incorrect details about some accounts that are causing my score to drop unnecessarily.
Product: Credit reporting

I have contacted the credit report agency disputing information on my credit report. The reply i have gotten was that they were reporting correct information. I have a letter from the company i was disputing that this information was sent to the credit bureau in question to have this removed months ago. They are still reporting this information thus hurting my credit further as i 'm trying to clear up my credit and this oversight is hurting me and hindering me from bettering my situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I will be filing on this same issue. I tried to resolve this issue with the owner after the first complaint was filed with no results. After he received it he contacted me and asked how he could make it right to me. I told him all I wanted was for this negative item to be removed from my credit report from XXXX XXXX and XXXX. He had already successfully gotten it removed from XXXX. This item was intentionally left on my credit report after 2 rounds of dispute letters so that he could sell me another 2 rounds to get it removed. After a 3rd and 4th round the item is still on my credit report. I received an email from him stating that on XXXX he had filed dispute letters with all three bureaus to get this item removed to resolve this. Once again he lied to me and never filed any dispute letters with the bureaus like he told me he did in the attached document. On XXXX I contacted XXXX  and XXXX  and they both told me that the last time a dispute was received on this item was XXXX. I contacted them again on XXXX this time from my lawyers office so he could listen to the conversation on speaker phone and hear and record the response and once again they both said the last time a dispute was received on this item was XXXX. I have recently been turned down for a loan in the amount of XXXX because of this negative item on my report that the owner does not want to make a good faith attempt to remove like he tells me he is doing in emails. See attached documents. This is the second time in a row that i have been lied to by this company telling me that they are filing dispute letters on my behalf when in fact they are not. See the attached document and refer to my first complaint that i filed on this same issue..
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card or prepaid card

I contacted The Home Depot on XX/XX/XXXX to confirm my balance and assure my auto payment amount was active. While speaking to the CSR I uncovered my balance increased to XXXX. I had a siding and gutter installed in XX/XX/XXXX and bottom cost was XXXX. I established APO to pay off the balance, rarely had any issues with past due and payments were received on time. During my consultation for the installation I was told that promotional offers are available ( Sales consultant at that time XXXX XXXX ) however, I was totally unaware of how these offers worked. There was no in-dept break down of which services received what promotion, and what I'm required to pay per month to avoid large amounts of interest. For example, I was advised in XXXX a promotion expired, due to not paying in full XXXX, I was charged interested on XXXX in the amount of XXXX which spiked my final balance up. I was also informed that I was placed in the Covid-19 deferred payment program, which no payments were required for two months ( XX/XX/XXXX ) and that my promotions were extended out that would be a benefit for me. I never asked to defer any payments, I opted into auto pay, I had to manually call The Home Depot to continue submitting my payments. The XXXX continued to tell me about how the Covid defer program helps, me than after XXXX minutes of trying to understand my chargers she than says : Your not in the Covid program, I escalated the call to a Manager XXXX, who hangs up on me than, I called back requesting another Manager. XXXX from executive relations takes over the call. I revisit my case, advise her multiple times that The Home Depot did not disclose how these promotion work, I have a balance due over XXXX XXXX, she overlooks my problem, and become very bias, stereotypical and says " If we did not disclose the promotions, I will send feedback, you've reached out escalation department in the past, and if you want the XXXX removed you have to pay XXXX today ) I will complete an investigation and reach you in 5 days. I than asked for the CEO information, she advised he can't give that information out.
Product: Mortgage

This is a follow-up complaint to my previous submission, Case number XXXX. The previous submission involved a {$5700.00} " Ghost Loan Fragment '' that kept appearing on the larger of my XXXX HELOC loans with BMO Harris Bank. This XXXX problem was resolved by human intervention of the local Branch Manager, who effectively " zeroed-out '' the loan to show a true {$0.00} principal balance. I received XXXX letters via regular mail from BMO Harris regarding this issue. NOW, however, I am faced with ANOTHER Principal & Interest pay-down issue with my smaller HELOC that still carries a balance! Just yesterday ( Tues., XXXX XXXX, 2015 ), I went to my local bank branch and wrote out XXXX separate checks : a principal payment check of {$850.00}, and an interest-payment check of {$25.00}. After submitting these to the bank teller, I asked for a printed ACCOUNT INQUIRY. To my dismay, the CURRENT PRINCIPAL balance showed a reduction from the previous balance of {$24000.00}, to a new principal balance of {$23000.00}! And the CURRENT INTEREST was still held at {$25.00}! Therefore, a basic accounting error was made by BMO Harris! Instead of applying the directed {$25.00} to the interest, they erroneously applied ALL of the payment to the principal! 
Thoroughly disgusted, I immediately asked the teller to check, who then referred me to the Chief Teller. " Everything was coded correctly [ regarding P & I payments ], on our Front End, '' the Chief Teller told me. " This must have happened in THE BACK ROOM! So, we know nothing about this! '' THIS IS A MAJOR PROBLEM FOR THIS BANK! NO ONE SEEMS TO KNOW WHAT HAPPENS REGARDING YOUR P & I LOAN PAYMENTS! EVEN WORSE, THEY TELL ME THAT THERE IS NO LOAN DEPARTMENT, PER SE! THEREFORE, THERE IS NO ONE TO WHOM THE CONSUMER CAN COMPLAIN, WHO KNOWS THE ANSWERS! 
I then asked to see the Bank Manager ( the XXXX who had zeroed-out my XXXX HELOC balance ). I showed her the check intended for interest payment, and she walked back to the Teller area. She ( XXXX XXXX, Bank Manager ) soonreturned, bringing with her XXXX XXXX ( Market Manager ). XXXX XXXX complained that XXXX XXXX had to " break our Protocol '' in order to correct and remove the previous {$5700.00} " Ghost Loan Fragment, '' and that she really should n't have done that! As regards my current dilemma, he said ( incorrectly ) that my current interest was even owed! Instead, the amount paid mysteriously appeared in the PAYOFF section of the ACCOUNT INQUIRY. Very disturbed, I pointed out to him that the Bank 's ACCOUNT INQUIRY was INTERNALLY INCONSISTENT! I told him that there was very little accountability and way too much oblique " blame-passing '' to their mysterious BACK ROOM for loans! He replied that it would take hundreds of thousands of dollars to correct their system! Thus, I asked XXXX XXXX the name and phone number of the person above him. It was XXXX XXXX, Regional President. I phoned her office that very afternoon. She was away on business, so I gave a detailed description of the problem to her Assistant - - XXXX XXXX. I also gave her my home phone number. As of now, no return call to me has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to today to request once more to remove the inaccurate personal information and unauthorized inquiries you have been reporting on my Credit File. I informed you before that I was a victim of identity theft and these items were never mine nor did I authorized anyone to conduct these items on my behalf. I do appreciate your efforts to remove a portion of the disputed accounts and information off my Credit File but there are still items being reported. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please remove the following items off from my Credit File : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX If you believe that these items belong to me, I require you to please send my any copies of proof of ownership or verification to support you beliefs. In the event you can not provide such documents, immediately remove the disputed items from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/XXXX Experian has Inquires in which I put in an opt out 2 years ago in XX/XX/XXXXand XX/XX/XXXX and Experian still has companies doing Inquires that was shared and I did not consent and opt out for all promotional and inquires. I have inquires on my file that show and I want them removed. 

1 XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 XXXX XXXX XXXX XXXX XXXX 3 XXXX   XXXX XX/XX/XXXX XX/XX/XXXX 4 XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 5 XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6 XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7 XXXX XXXX XXXX XX/XX/XXXX 8 XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 9 XXXX XXXX XXXX  XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9 XXXX/XXXX XXXX XXXX 2 SHOWING 10 TOTAL CARD 11 XXXX 12 XXXX XXXX 13 XXXX XXXX 14 XXXX 15 XXXX XXXX XXXX XXXX 16 XXXX XXXX  XXXX XXXX 17 XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 20 XXXX XXXX XXXX 21 XXXX/XXXX/XXXX 22 XXXX  XXXX 23 XXXX XXXX XXXX 24 XXXX XXXX XXXX 25 XXXX/XXXX XXXX 26 XXXX/XXXX   XXXX 27 XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX 28 XXXX/XXXX  THERE SHOULD BE NO INQUIRES ON MY CREDIT FOR PROMOTIONAL OR ADVERTISING BEEN GOING TI MY CREDIT FILE WITH OUT MY CONSENT OR EXPERIAN JUST LETTING ME NO BEFPORE MAILING ME GETTING MY APPROVAL OR CONSENT Experian has a lot of marketing going on my credit file I did not request or apply for. 
XXXX
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX account XXXX XXXX also XXXX and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.
Product: Payday loan, title loan, or personal loan

I received a personal loan back In XXXX for XXXX. Starting in XXXX they would be taking XXXX every two weeks of the month. On today XX/XX/2020 I contacted net credit to get a extension and to let them know that I was laid off because of the coronavirus and I won't be able to pay until I start receiving my unemployment check. I ask how much I owe on the loan she told me XXXX. I said wait they have taken approximately {$800.00} from my account since XXXX to XXXX how is it I owe more than I borrowed and I haven't missed a payment she said that they were charging me 96.6 interest, I told her this is illegal and I was reporting this.
Product: Credit card or prepaid card

We were deceived in a XXXX airport into traveling with criminals instead of the transport company we engaged. In the process they claimed there was another charge and to get pesos for it we attempted to use an ATM at which they apparently skimmed information from my credit card, which was later used to submit a false transaction. I think rejection of my fraud claim violates the Fair Credit Billing Act. The reason they gave me for denial is that I gave my credit card information to the " vendor '' who in fact was a criminal who impersonated my vendor. In fact I didn't willingly give the criminals the information. 

XXXX XXXX
Product: Debt or credit management

I went through Freedom Debt relief to help resolve compiling debt. Initially, things were going as they said they would. but a few months into working with them and paying everything on time, I was offered an " accelerated '' loan, which seemed like a prefered outcome according to FDR. I was rushed through the loan process, given strange answers about the loan amount, and I can't review the documents to double check the interest rate that was set. FDR had the total settlments at around $ XXXX, and my loan amount is over $ XXXX. When I asked about the loan amount, I was told that they were over borrowing to cover everything just in case. That didn't quite make sense to me at the time, but I'm obviously not a financial person. All I wanted from achieve was clarification on the loan terms, to show me where the funds went, and all documents pertaining to the loan. I sent a casual email asking questions, then going forward profesionally worded emails asking for the previously stated documents. FDR hasn't been a help, as they state that they have nothing to do with the loan, despite being in close assossiation with Achieve loans.
Product: Credit reporting or other personal consumer reports

Need all three credit bureaus to remove this as its been over 7 years the XXXX XXXX XXXX XXXX  has been on my report. Its against the law to report anything without my permission.
Product: Credit reporting or other personal consumer reports

Please correct and update my personal information as soon as possible. I have enclosed my identification card, social security number and proof of address
Product: Mortgage

Crediterium claims that I have a loan thats approved. However I can not get into review the contract. I am unaware if this is true or a way to attack my XXXX XXXX XXXX plus XXXX  or not. If it was a real offer I could easily open it to make an educated decision. I will be reporting all the companies who are not loan brokers that send the same information to the same people, which is intentionally forcing people into extreme high interest rates on purpose. This is not only to drive your credit report down but also destroy your XXXX score to ensure higher interest rates which the federal government refuses to regulate.
Product: Debt collection

So ive tried working out a settlement with this company and they say they cant settle do to the company still owing this dept and they can charge big amount of intrest on a dept that was written off to them ... they call me with out trying to work with me they just say that I have to pay XXXX and it just keeps on adding intrest on a collection that 5 years old.. it was XXXX and its XXXX ... We have attempted contact with XXXX with no response. ACS is not a debt buyer. This debt is still owned by XXXX. The account was assigned on XX/XX/2011 for {$350.00}. After 5 years the interest is {$200.00} for a total of {$560.00}. If we would receive a response to our attempts to contact, the interested could be reduced upon agreement for payment. We have never received a response after 5 years, 3 letters, & 6 messages. this a lie because ive tried contacting them and working something out and they wont work with me on a consolidation of dept ... they say they do n't work with cfpb.