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

CLEARLY agencies like the CFPB have become so COMPLICIT they've turned their backs on the Consumer to keep protecting Businesses. Moneylion CLEARLY didn't learn from their first lawsuit with CFPB. Moneylion NEVER did respond to other complaints filed against them yet the CFPB ignores it. Yet Moneylion is continuing to charge customers monthly Membership Fees for loans they don't have. I included screenshots of me my account being charged without my CONSENT. I sent XXXX at Moneylion over 50 emails which i have and i also asked XXXX why was customers still being charged membership fees and other fees when they don't have a Credit Builder Plus Loan yet she never did respond. I don't have a Credit Builder Plus Loan yet i'm still being charged {$19.00} for a Membership. Moneylion haven't fixed their app issues they've had for four years yet they shouldn't be Moneylion have so many ads on their app it's difficult to use. On top of that Moneylion try to FORCE customers to give a tip by charging a fee for every XXXX they take out. Moneylion CLEARLY continue to be SHADY then tell LIES on their customers and blame their customers. 

Moneylion have WILLFULLY for two years ignored repeated requests and complaints by customers to fix their app issues yet for two years Moneylion have WILLFULLY chosen to use " TEMPORARY FIXES '' instead of actually fixing their app issues for four years. None of their " TEMPORARY FIXES '' have worked and Moneylion four years later still refuse to fix their app and they don't know how to fix their app issues afyer using so many " TEMPORARY FIXES '' that DID NOT work. Moneylion continue to blame the customers, our bank accounts, our debit cards, the banks, etc. Moneylion blame everyone but themselves. Moneylion WILLFULLY continued for two years to ignore customer complaints about their app issues yet they continue to ignore customer 's complaints. 

XXXX at Moneylion for months have been lying and giving me the run around about their app issues and claiming they haven't been aware about this issues which is a BLATANT LIE. Moneylion have known about this for four years.
Product: Credit reporting or other personal consumer reports

DEFAULT JUDGEMENT. I have made a complaint against TransUnion in reference to XXXX account that was being reported. I have attempted to invoice since removal and receiving my proof of claim. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. This is my XXXX attempt, after this I will pursue litigation if no resolution within a timely matter.
Product: Credit card

In XX/XX/XXXX I pay off my account ( XXXX ) Though XXXX XXXX XXXX and I had a balance of {$1500.00} at the end which I personally paid Capital One. The Account is close. In XXXX XXXX XXXX I pay off my platinum card XXXX and close that account. So for XXXX ( XXXX ) show a XXXX Balance when I go into capital one. Now in XXXX it show a bal of XXXX XXXXXXXXso I call Capital one and ask they said Account was pay off .. LOL so you waited 2yrs to say the account wasn't pay off which I know it was for a fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and now in XXXX Equifax does not give an annual credit report from XXXX XXXX XXXX Equifax fails through XXXX XXXX XXXX and through direct contact.
Product: Mortgage

On or about XX/XX/2017 compensation or interest due was never received or reported by trustee. Servicing company can not make presentment on the behalf of someone else without it being certified by an attorney. No file was found in investigative search.
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying for this supposed service or offering for 1.5 years, there has been zero improvement.
Product: Debt collection

In XXXX of XXXX, I filed for a XXXX XXXX bankruptcy and my discharge was granted in XXXX of XXXX. The discharge included the debtor, i.e., XXXX, XXXX XXXX, Stride Funding, for an Income Share Agreement Contract ( ISA ) in the amount of {$15000.00} signed XXXX, XXXX for attending XXXX XXXX, a software engineering bootcamp. 

The creditors were included in the bankruptcy, but ever since the discharge in XXXX of XXXX, the creditor Stride Funding has consistently attempted to collect on the discharged ISA debt. 

The attorney handling my bankruptcy sent Stride and XXXX XXXX letters on numerous occasions to stop collecting - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i.e., one for each invoice they sent via US mail. 

Now, in a recent collection letter dated XXXX of XXXX, they are passing this ISA to a new Servicer, i.e., XXXX XXXX, XXXX. in XXXX of XXXX to collect on this ISA. 

The attorney handling my bankruptcy suggested the next step for me is to reach out to a law firm handling these types of cases and sue using an agency he referred. 

When I entered into the ISA agreement, I was never informed the ISA contract was a Student Loan nor was I informed the contract was not a dischargeable in cases of bankruptcy. 

Now instead of dealing with attorneys and the courts again, I simply want Stride to stop collecting and honor the discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed and attached my police/FTC report to remove the fraudulent collection appearing on my credit file for two fraudulent accounts that do not belong to me. 

This fraudulent collection account " National Credit Systems {$5000.00} '' account is listed as a " Co-Owner '' not even my account & XXXX XXXX XXXX reports an account with a balance of {$550.00} which doesn't belong to me and is listed on my Police/FTC Report XXXX 

I contacted FTC Fraud Department and police agencies but nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT LISTED IS AN ERROR AND MAYBE FRAUD. THIS ACCOUNTS IS HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNT IS NOT MINE, IT BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Product: Debt collection

I told XXXXXXXX XXXX XXXX XXXX XXXXXXXX, that this is not my debt.
Product: Checking or savings account

USAA has finally ended my Membership as I requested. After ending it I didn't have any open accounts and no money. After ending the Membership I received a email saying I had electric correspondence. I don't have access to login, either my pin doesn't or can't access my account. Without a pin I can't get a live person. They don't use email, they won't reply thru social media. I need to know what the message is. I'm having to ask you to contact USAA so I can access the message. Thanks. XXXX
Product: Debt collection

Repeated harrassment by text and email concerning a non collectable outdated credit card debt. I replied to text messages and emails advising them to stop but they continue.
Product: Debt collection

I received a voicemail message Thursday, XX/XX/2019 at XXXX XXXX  from a man who did not identify himself but said he was calling on behalf of XXXX XXXX with ARA, Inc. He left the number XXXX and extension XXXX for a return call and included the case #. When I returned the call to inquire about the purpose of the call he said that it was about a XXXX  [ which I do not have, nor have I ]. When I told him I don't have one he said that I do and then started listing off the last 4 of my social, large portions of other credit card numbers and said that I would soon loses access to these cards and to my bank account ( s ). When I tried to verify the phone number to give to my attorney he  accused me of using stall tactics. When I asked again to verify the phone number for the attorney, he hung up on me. I called my credit card companies directly to inquire about my accounts and was assured that all was in good standing. I feel that I was threatened over monies I can not owe.
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 consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX However, they stated was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Debt collection

I moved out of complex on XX/XX/2017 left voice mails gave 30 day notice I placed the key in the drop box and cleaned up complex I was charged for damages and there were no damages when I moved out of complex. complex kept the deposit I paid which was {$300.00} on XX/XX/17 company stated I did not pay deposit but I have receipt of payment stated I skipped during eviction process company never started an eviction process contacted creditors about charges on XX/XX/XXXX company had agreed they have no contract for me as they have sold the company and agreed to close the account out I have spoke with corporate many times in regards to this as the collection agency was very rude and nasty to me when calling would not listen or give me help I was told by the corporate office to dispute the account and the account would be removed from all credit bureaus so far account has only been deleted from 1 bureau
Product: Credit reporting

XXXX illegally have reporting XXXX Accounts in credit report since XXXX 2008. 
Never debt validated Reporting since 8 years
Product: Mortgage

During XXXX, Bank of America charged late fees on our loan account 2-3 times ( for a total of {$890.00} ) when we were a few days past the grace period. We asked to change the due date on the loan to better match the timing our self-employed income was received during the month and the bank later complied & changed our monthly due date from the XXXX to the XXXX of the month -- at that point I asked the bank to waive the prior late charges & was told by a bank representative that I would need to show a new track record of no late payments and to make the waiver request later after a good record was established. I was not told at that time that I must make the request within 12 months of any charged fee. I did not make a request during XXXX because of covid distractions & assumed a longer track record would help the request when made. This year XXXX I have made the request several times to the bank -- we have not had a late payment since the due date change -- but the bank reps now repeatedly tell me the policy is : such fees can not be waived unless the request is made within 12 months and they will not waive the fees. We have been banking customers at Bank of America for over 26 years and we are frustrated that the policy was not disclosed to us in XXXX ( if it was in effect then ).
Product: Debt collection

I received a final invoice from XXXX XXXX apartments and XXXX XXXX XXXX XXXX ( on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) where I moved from in XX/XX/XXXX. The invoice contained several invalid amounts and amounts that should not have been charged at all. A particular person, XXXX XXXX at XXXX XXXX, charged me for XXXX rent, late fees, and reletting fees when she asked me to move asap, and I did. I was not evicted, I was asked to move because XXXX argued with my XXXX XXXX  son in XX/XX/XXXX. I signed a lease with XXXX XXXX apts effective for XXXX XXXX, XXXX and XXXX verified me as a current tenant of XXXX XXXX with no issues. 
I contested the entire invoice to the management company over XXXX XXXX, XXXX XXXX XXXX, but they never responded. They sent the balance to Procollect, Inc. ( on XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ). I contested the balance with Procollect as well, but to no resolve. I mailed proof of why I'm contesting the balance, but nothing changed. 
XXXX charged XXXX for damage to grassy area by the U-Haul I rented. I had insurance on the truck, but XXXX charged XXXXXXXX XXXX This invalid and malicious debt has been unnecessarily damaging in my credit files for long enough. I have no other choice but to take matters to higher levels for help, because this isn't fair, and I have been saying this since the beginning. I need this debt removed from my credit files immediately, and XXXX XXXX XXXX and Procollect should be penalized for maliciously reporting inaccurate and damaging debt since XXXX.
Product: Bank account or service

I opened a Citigold checking account with Citi Bank in XXXX XXXX with a promotion code entitling me an account opening bonus of XXXX Thank You Points. My eligibility of the promotion was confirmed both by phone call and security message from Citi Customer service, promising crediting the points in XXXX XXXX. However, Citi bank now denies my eligible points saying that I am not eligible. I have proofs from the account opening and early communication to Citi Bank to show that I am indeed eligible.
Product: Debt collection

Portfolio Recovery called From XXXX on XX/XX/year> at XXXX XXXX. and repeat called from XXXX XXXX XXXX on XX/XX/year> at XXXX. They were trying to reach home phone XXXX XXXX on XXXX  phone..
Product: Checking or savings account

I reached out to citi for some via XXXX for some addresses of citi and citi fax numbers. They told me to call in. I requested that they give it to me call in. I requested it be sent to me via XXXX for reasonable accommodation for my XXXX. They ignored that and told me to call in. 

I'm not asking for private info that should be sent securely. Just an phone /fax/address of a certain citi department XXXX
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/2024 Amount : {$500.00}
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX has violated my rights. 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. My legal rights have been violated. They do not have a written contract with me. 


In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX, has violated my rights. 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. My legal rights have been violated. They DO NOT have a written contract with me. 



In accordance with the Fair Credit Reporting Act, convergent Account XXXX, has violated my rights. 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. My legal rights have been violated. They do not have a written contract with me. 




In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX, XXXX has violated my rights. 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. My legal rights have been violated. They do not have a written contract with me. 



In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXX XXXX XXXX  has violated my rights. 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. My legal rights have been violated. I have NO written contract with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Debt collection

I have received multiple harassing phone calls and received a collection letter by mail regarding a debt that does not belong to me. I have properly notified Nathan & Nathan on multiple occasions that my name & social security number need to be removed from the file because it does not belong to me. The collection account in question is not mine, does not and could not belong to me. A person who shares the same name and used to live in the same city as I is the one to whom this debt belongs. This is not the first agency to inaccurately and egregiously link information from my credit report to a completely different person. These inaccurately attributed collection accounts have the potential to cause financial harm. Nathan & Nathan has failed to respond. Nathan & Nathan has failed to remove my information from this account. Should this matter not be resolved with immediacy, I will pursue legal action to ensure that I remain whole, plus damages, in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : JXXXX XXXX XXXX XXXX Im writing concerning a credit company by the name of XXXX XXXX. I advised XXXX customer service rep that I didnt want ACH withdrawn from my XXXX checking account but instead they used a back in portals. I also emailed them as well. I also went ahead and placed a stop payment before as well. XXXX XXXX made several attempts and got into my checking account. XXXX didnt an investigation on XXXX XXXX after I filed a claim against them stating I had made several calls into their center requesting no withdraws from my checking. Please sent invoice through US mail only. The company refused to honor my request and made 2 attempts to get into my checking account by using different portals. XXXX did refunded my checking for the amounts {$680.00}. 

Now, as months as gone by XXXX XXXX  has now placed a debt on my credit report for {$2500.00}. Can anyone in this division help me? The XXXX claims dept. phone number XXXX and my claim #. I have attached email and stop payment form and bank statement and XXXX claims investigation letter, claim # XXXX and XXXX.
Product: Debt collection

Every day, sometimes twice a day, I get an autodialed call from Central Credit Services stating that " This call is for XXXX XXXX. If you are not XXXX XXXX, call XXXX. '' I called the number numerous times and explained that I am not, nor have I ever heard of a XXXX XXXX and to please remove my number from their list. I called the number again this morning after I got yet another call from them. This time their mailbox was full and I could n't leave another message. I believe this is harassment as they call early mornings and I 'm an older person. The only thing I can see that XXXX XXXX and I have in common is our initials. The gender is not even the same. It does n't look like they have any intention of stopping these phone calls. Oh, and at XXXX point the automated message says, " if you continue to listen, we will assume you are XXXX XXXX '' or something to that effect. The problem is, you ca n't disconnect. If you hang up and pick up the phone again, the recording is still going until the end.
Product: Debt collection

I want inquiries to be deleted because I did not authorize this companies to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card company Destiny is reporting an open account with a balance due and I have not activated this credit card and the charges they are posting is a yearly fee that I refuse to pay because I do not want this credit card. I have not activated or ever used the card, I disputed this account with XXXX and there updated investigation shows no change to my report and this account is still showing now with a XXXX dollar late fee added
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result, several unauthorized accounts have appeared on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts from my credit report immediately. 
Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX