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

the onemainfinancial email me using this account : XXXX they say i was approve to loan. then I called the given number in the email, well they told that i need to pay somes fees by gift cards /prepaid cards. so i paid all the fees they say, it cost me so much money but nothing happens they keep promising that after i give this amount they will release the amount of money I'm loaning and it will be deposited on my account then later on I got suspicious because they asking me again to pay a fee again. i told them I can't afford anymore the fees I'm gon na cancel my loan application and i want to refund my money it cost me 5,000 this the total amount i paid in the fees and they even give me a unpaid check that cost me 1,946 that my bank returned me the deposit check. so I search the website of the onemain Financial then email in their official site then they email back to me that they don't use gmail.com and they don't request payment fees on a gift card/ prepaid card. so the scammers txt me if i don't give them the amount they asking so that I can't refund my money that's what they say, after that if i don't come up with the amount they asking they will call the legal team and they will go to my work place and humiliate me thats the message they text me and threatening me that they will sue me and go the court house. I didn't delete their messsage for proof and receipts and the email and
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon joining a credit monitoring service today I noticed inquiries were made from someone other than myself attempting to apply for a product at XXXX XXXX  XXXX XXXX XXXX XXXX in my name. I contacted the Federal Trade Commission & was directed to file an identity theft report about this situation.
Product: Credit reporting or other personal consumer reports

I have reached out to the company about incorrect information, incomplete account information, and identity theft. XXXX XXXX XXXX in the amount of {$1400.00} was paid in full with the original creditor. I have submitted receipts to the XXXX bureaus but they are not responding. National Credit Systems in the amount of {$9300.00} was settled. They have not responded to my receipts of payment. XXXX in the amount of {$17000.00} is not my account. They have not responded to my afadavit. Another National Credit Systems in the amount of {$20000.00} is reporting as open when in fact it was settled and closed. These erraneous accounts are affecting my ability to obtain credit to be able to provide for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a few letters, to be more specific since XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX explain and also sending prof that they are reporting inaccuracies like re-age account and also balances that are wrong but they keep ignoring me and have not sent me correct info. 
Also to be more specific on " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', XXXX  XXXX, XXXX XXXX ''. this accounts have re-age and show inaccurate info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. 

Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was deleted from credit file because company did not respond back in a timely manner. Company had account replaced back on credit file which is in violation of the consumer credit report act.
Product: Debt collection

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Credit reporting or other personal consumer reports

Recently I saw a late payment on my credit report from your company that I do not recognize 15 U.S. 1602 ( p ) According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. I have no involvement with this account nor inquiry on my credit profile This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 
I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Debt collection

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Product: Credit reporting or other personal consumer reports

I ATTENDED A SCHOOL NAME XXXX XXXX XXXX BACK IN XXXX, AND I TOOK THE CLASSES FOR CERTIFIED MEDICAL ASSISTANCE AND MEDICAL BILLING AND CODING, BUT AS I GETTING READY TO GRADUATE THE SCHOOL CLOSED DOWN AND I GOT THE CERTIFICATION FOR THE COURSES BUT, WHEN I TRIED TO GET A JOB WITH THE CERTIFICATIONS I WAS REFUSED BECAUSE I WAS TOLD THE CERTIFICATION WAS NOT GOOD BECAUSE THE SCHOOL WAS NOT AN ACCREDITED SCHOOL SO THE CERTIFICATES WAS NO GOOD SO I COULD NOT USE THEM, THE DR. THAT I DID MY INTERM HOURS WITH LET ME STAY THERE, NO IT IS ON MY CREDIT REPORT MULTIPLE TIMES, AND I APPLIED FOR DEFERMENT, FORBEARANCE AND I ALSO APPLIED FOR STUDENT LAON FORGIVENESS , I APPLIED TO HAVE IT REMOVED THREW DEPARTMENT OF EDUCATION , BACK WHEN THE GOVERMENT WAS PAYING OFF OLD STUDENT LOANS BUT I NEVER HEARD ANYTHING, AND IT IS STILL THERE MULTIPLE TIMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX, XXXX XXXX XXXX  closed my account and removed online access giving me no ability to pay the account while hospitalized. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of XXXX  was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX XXXX XXXX or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to XXXX and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was hospitalized. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

I noticed a few unauthorized inquiries on my credit report. I called to report and the credit bureau refused to removed it. I then filled out an identity theft form with the ftc.
Product: Credit reporting or other personal consumer reports

My information was exposed in multiple data breach an I tried to speck with the companys about it, but no contact me back
Product: Credit reporting, credit repair services, or other personal consumer reports

I opted in for a forbearance with my mortgage company XXXX XXXX earlier this year due to COVID19 however, I NEVER stopped paying my month 's balance due and was never late. On XX/XX/2020 I requested to be taken off of forbearance under my account and credit reports. It has been over a month now and XXXX XXXX still has not notified the credit bureaus of this and it is heavily impacting my credit reporting. I have called them and asked to expedite and remove this however they are giving me the run around. It has been over a month and this continues to hurt my ability to take out new loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple phone calls to your company and spoke with many managers that which who have all stated that there is no credit history on file. The bank which I opened a secure credit card shows a {$170.00} unpaid medical bill. I faxed all of that information to your company. When I called twice regarding some confirmation if your company received the fax both representatives stated that nothing was received. My personal banker who opened my secure credit card also called the business company line to your bureaus and a representative stated that there is no credit history. This is very strange when I have a line of credit, and I am not even able to dispute the {$170.00} unpaid medical bill that was from XXXX  and I became a new XXXX  of the U.S.A. in XXXX. This is a mess, and needs to be fixed and your credit bureau agents and managers I have been in contact with are uneducated on what to do in the situation and are complete unprofessional. I grantee I am not the only person that has had this issue before. It is very odd. There must be a solution to this problem.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute particularly in light of recent Cfpb lawsuit highlighting significant issue with the platform despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds ws impossible and that tracking these transactions was unfrssbile the CFPBS fundings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams the lack of accountability and transparency is understandable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I recently refreshed and checked my credit report, to my findings I see accounts that I do not own or have access to. Accounts opened in my information which was not authorized by me & I want it removed as soon as possible. I dont know how far this has gotten but this is a serious situation that needs an immediate attention. Please check and delete this inaccurate information you have 4 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Rushmore has been reporting derogatory information to XXXX XXXX XXXX XXXX for some time that is incorrect. 

Trying to communicate with them is ridiculous. Of recent since XX/XX/2021 -- I have sent messages through their every available avenue ... message center, phone calls, emails, escalated calls to supervisors with no avail. 

They deny they are reporting anything at all derogatory and that my record with them is good. They state nothing is being reported late and every payment has been made on time. 

I uploaded the XXXX Credit Report reflecting my complaint. This showed the incorrect reporting, of which they continue to deny their incorrect reporting. When I call they say they can not find the report even though I can go to their website and pull the document up. ( And I can pull the Receipt from where they received it. ) I uploaded again today a current copy of my report from XXXX Credit Report to Rushmore which is reflecting the derogatory information being reported by THEM. 

They basically state as of today what they are reporting to XXXX is that I am current and that I have never been late. They are wrong, because they are reporting derrogatory information, but do not want to take responsibility or acknowledge it. They are reporting derogatory information which is previous to their ever having this loan. They are aware that the information is prior to their getting this loan. 

I disputed this information with XXXX  and when I got the response they said that Rushmore is continuing to report the information and did not remove it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX  account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/28 I looked at a personal line from XXXX  XXXX and got an approval from them. When got the final payment after I accepted it was much higher than was offered. I called the company to withdraw and the department that closes accounts was extremely unprofessional and yelled and screamed. 
After realizing that I had set up my personal checking I had to close my accounts. Stop pay on several payments, freeze my credit with the 3 major credit bureaus and have a fraud lock on all accounts and personal as number. This is absolutely predatory lending and could harm most consumers. 

I have called 15 times to speak to a supervisor and the laugh or hang up. They wont send a withdrawal letter via email Please help
Product: Debt collection

I sent the bank statement from XX/XX/2017 showing XXXX XXXX co pay of {

$15.00} was PAID. Please see page 5 of 10 on the bank statement 4th line from the bottom. This company left negative credit information that related to a debt that WAS PAID and cost me a car loan and mortgage. I intend to seek monetary damages for the incorrect information that has been listed on my credit report affecting me adversely during COVID
Product: Student loan

I refinanced my student loans in XX/XX/XXXX. The refinance is with XXXX ( XXXX XXXX XXXX ). They made a payment of {$67000.00} on my behalf on XX/XX/XXXX to American Education Services, my previous loan servicer. This created a credit balance of {$3800.00} on my account. 

AES claimed this balance would be returned within 30 days from the date of the final payment, meaning I should have been credited the amount by XX/XX/XXXX. I have still not received this money, nor has my new servicer XXXX XXXX XXXX. Today is XX/XX/XXXX. 

I've contacted AES several times, by phone and by email through their website. I've been given multiple different stories about what is happening with my account and where the money is. I was told by XXXX, employee ID XXXX, over phone, that a check was cut on XX/XX/XXXX for {$2200.00}, but this amount is not for the full credit owed, and so far neither I nor XXXX XXXX XXXX has seen this check. 

I was also told that my account was submitted for financial review on XX/XX/XXXX 

I received a secure email from AES on XX/XX/XXXX,  reference ID XXXX, informing me they would refund {$3800.00} to XXXX XXXX  based on payments made " on XX/XX/XXXX and XX/XX/XXXX '', but so far no payments have been received by XXXX XXXX, and, worryingly, this statement from AES references a payment on XX/XX/XXXX, when no such payment exists. The final payment on my AES account was XX/XX/XXXX. 

This repayment is now more than a full month delinquent, and as a result I am paying interest on nearly {$4000.00} more than I should be.
Product: Debt collection

I was notified through XXXX  that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from Consumer Adjustment Company with the original creditor being XXXX  XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I've never been to Missouri or done any business with XXXX XXXX XXXX. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service. 

My credit report shows an account opened at XXXX  XXXX XXXX at the address above on XX/XX/2020 for {$960.00}. Consumer Adjustment Company issued a collection in XXXX of 2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by Consumer Adjustment Company or if this is identity theft and my information was used at XXXX  XXXX XXXX  and now Consumer Adjustment Company is now involved somehow. Either way this is identity or theft by an unknown person or Consumer Adjustment Company.