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

On XX/XX/XXXX at approximately XXXX est, I received a phone call from Navy Federal Credit Union claiming to be a representative. The man verified my date of birth home address and phone number and proceeded to tell me my debit card had been accessed by a man in XXXX, Georgia using a XXXX  XXXX. He told me that my account was compromised and we needed to do some security measures so we went through, verifying some information and he sent a text message for me to identify my login device and my location. Then went on to tell me that a XXXX XXXX loan had been taken out in my name and that we needed to repay it. He was going to help me with acquiring the funds and moving it so that the cash app loan was not reported to the credit bureau and if it was, Navy Federal would take care of it. There {$5000.00} Showed up in my checking account in which we proceeded to transfer To XXXX XXXX. This transaction took approximately two hours in which he used my My military rank and thanked me for my service and told me the documents would be in my email shortly. During this time, I did not know that the text messages being sent were automated from Navy Federal. They would be sent regardless, and the emails I received Were loan documents. This gentleman had access to my bank account and was applying for a loan while I was on the phone with him and we then transferred all under the disguise of a navy federal fraud representative. He was very kind. He spoke XXXX well and he used all the tactics that Navy Federal would use to verify identity and to speak to its military members. Filing a claim with Navy Federal, they had denied my claim, stating they believe Ive benefited from this, however, did not.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to conduct a proper investigation of a dispute I submitted regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) guidelines. Under the FCRA, specifically 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable investigation of disputes and ensure the accuracy of reported information. Despite providing supporting documentation, TransUnion did not properly investigate the dispute, nor did they notify me of the results within the required 30-day period as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). Additionally, the FTC requires credit reporting agencies to maintain accurate information, which TransUnion has failed to do in this case. As a result, I demand that the inaccurate information be deleted from my credit report immediately, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ), which mandates the removal of unverifiable information. I request that the CFPB investigate TransUnions failure to comply with the FCRA and FTC guidelines, and that they take corrective action, including the deletion of the disputed items from my report. 
Account # ... XXXX XXXX XXXXXXXX XXXX Account # ... XXXX XXXX XXXX  Account # ... XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my bank account back in XXXX and noticed a deposit of {$100.00} to my main, personal checking account from MoneyLion. I had never heard of this service before this date. There were many other fraudulent issues on these accounts as well that have all been resolved except for this one. I tried to reach out to them, which is nearly impossible unless you have an account there, and I was directed to their fraud department. 

I don't remember this exact date, but it was some time in early XXXX. I was told I would receive information to send back to them and this was never sent my way. 

On XX/XX/XXXX, I called and got a fraud case set up for me and they sent me information to fill out. I sent them an email to the email address they provided with questions regarding the documents required on the XXXX. In this email, they explicitly stated I had 15 days to return all these documents. 

On the XXXX, the same day I sent my questions, I got an email saying the case has been resolved/closed due to lack of response from me to the company. I then sent another response to that email saying I had questions that didn't get answered and then asked if my case was actually resolved or if they were just closing it for inactivity - even though there was activity. 

On the XXXX, I received another email claiming a different ticket was closed. Again, no questions were ever answered. 

I was reaching out to them to begin with because the account that was opened in my name is late and is hurting my credit score. I have filed disputes with the 3 main bureaus and I am concerned that they are going to reach out to MoneyLion and MoneyLion will claim that I haven't tried to resolve it with them - even though I clearly have. Another concern of mine is the fact that they have a different amount than what I see. I received {$100.00}, they have that it was {$150.00}, but my credit report is showing approximately {$500.00}.
Product: Debt collection

According to my credit reports : Spectrum sent me to a collection company MRS BPO LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, ( XXXX ) XXXX for the amount of {$4600.00}. I did not have an account with XXXX, I did not buy anything from XXXX. I did not receive any communication from XXXX about this issue. This thing happened to me before ( also from XXXX ). This company should change their way of doing business, and checking/verify on people credit, existence.
Product: Credit reporting or other personal consumer reports

1 ) Chrysler Capital -fails to update accurate and updated information on reports that is linked to my name. This is a violation and my reason is below : a ) Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud. Also, Inaccurate reported late payments and billing errors. This account is in violation.

b ) Under 15 US Code 1605 ( a ) - If a finance charge was included which is the sum of all payments, there should be no late payments on this account.

c ) 15 USC 1692 ( g ) - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to. Erroneous account Direct Violation of d ) 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS. This account must be deleted immediately. 
e ) 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.

Additionally, recently we have an agreement that I am now at a XXXX balance and the payments were placed on the back of the loan. This further validates the payment history has been incorrect and continues to be incorrect as I am not 24 payments late. All the above are all VIOLATIONS and this account needs to be removed immediately.
Product: Debt collection

I notice on my credit report that there is a collection account from CREDIT COLLECTION SERV XXXX in the amount of {$98.00}. I have sent letters and have not heard any responds from them.
Product: Credit reporting or other personal consumer reports

Early Warning is reporting incorrect and/or inaccurate information about me and my banking information and is full of errors. 
The The Fair Credit Reporting Act ( FCRA ) law for inaccurate reporting states that Inaccurate, incomplete, or unverifiable information must be removed or corrected. Also, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Early Warning is required to report 100 % accurate and correct information of each consumer. My personal information is being reported inaccurately. My banking information and history are being reported by Early Warning inaccurately. I would like my personal information, my banking information and my banking history reported 100 % accurately. Any information that is not accurate, complete, verified and 100 % correct must be removed. 
I also request that any Bank and any inquirer that I did not expressly give written consent to report to Early Warning be REMOVED from my report. Otherwise the written consent with my wet ink signature is here by requested. In case that written consent is not received the account must me removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been paid in full but you still have a report saying i owe {$1300.00} which is not true account current balance at {$00.00} contact XXXX XXXXXXXX XXXX and verify this information. account payment reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been paid in full but you still have a report saying i owe {$2700.00} which is not true account current balance at {$00.00} contact bank and get accurate information Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been paid in full but you still have a report saying i owe {$100.00} which is not true account current balance at {$00.00} contact bank and get accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX ACCT # XXXX .... Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX .... Balance : {$1000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX L XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX continues to report inaccurate information to the credit bureau along with Experian continues to lie an manipulate several closed accounts to like it's a new charge off. This company also have never sent me a 1099 file since they said they written the debt off that ain't been updates since 2018. They said that they have verified this account over an over again which is a FCRA violation. I have proof in the description down below to prove how Experian continues to disregard and manipulate my credit report with inaccurate ans false information. 
There are 4 accounts that I'm speaking of with the same problems and this has been going on for 7 years
Product: Debt collection

This letter is in reply to your no response, in response to my letter dated XX/XX/2020. In my letter dated XX/XX/2020, I disputed the ALL of the debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 



First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you completely ignored me.Ignoring me isnot a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 



Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information which is known or which should be known to be false. 



Due to the foregoing, you have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist collection, ( 2 ) delete all of your credit reporting, and ( 3 ) tender {$1000.00} U.S. The {$1000.00} U.S. must be made payable to the order of myselfand received within 14 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX 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 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 card or prepaid card

Tried to get assistance from capital one Have 2 credit cards with them and I need help They have ignored my requests
Product: Debt collection

On XX/XX/2023, I went to my local branch of US Bank to pay the full balance of my home equity line of credit ( HELOC ), Account # XXXX. I asked the teller for the precise sum that would pay the loan in full, and was advised the amount was {$19000.00}. As I wrote the check, I asked the teller to confirm the amount once again, which she did. I then gave the check to the teller, got a written receipt, and left the bank with the understanding that the HELOC had been paid off. 

Despite this, on Saturday, XX/XX/2023, I received a mailed statement from US Bank dated XX/XX/2023, advising that the HELOC still had an unpaid " Principal Balance '' of {$83.00}. Not understanding why, I went to the same branch of that bank on the following Monday, XX/XX/2023, to speak with a bank officer. At the time, I met with an officer named XXXX XXXX XXXX, who -- after doing some investigation over the phone with another US Bank agent -- advised me that the teller had given me the incorrect amount because she hadn't included outstanding interest on the loan. XXXX XXXX further advised that the true amount owing to pay the loan in full was no longer {$83.00}, as set forth in the bank 's XX/XX/2023 statement, but was now {$110.00}, because an additional {$36.00} in interest had accrued on that {$83.00} " Principal Balance '' since XX/XX/XXXX. I protested this additional charge, and the exorbitant interest on that charge, but proceeded to write a check to the bank for {$110.00} merely to avoid further fees. I gave the check to XXXX XXXX on XX/XX/2023, and left the bank. 

This complaint has nothing to do with XXXX XXXX, who throughout the meeting was sympathetic. It has to do with what I believe are deceitful representations to the public and usurious interest rates being charged by US Bank. 

I believe there are two problems here. The first is that the bank 's authorized agent, in this case the teller, represented to me that the amount that would satisfy this HELOC in full was $ XXXX, that I relied on that representation by paying that precise sum, and that the bank proceeded to demand XXXX XXXX XXXX XXXX XXXX to pay off the loan. Even if, as XXXX XXXX advised, the teller gave me incorrect information, the bank should be bound by its agent 's mistake. 

The second problem is that even if I should bear the onus of the teller 's mistake, the bank has no basis for charging an additional {$36.00} in interest on a " Principal Balance '' of {$83.00} for the period XX/XX/2023 ( the date of the bank 's mailed statement ) to XX/XX/2023 ( when I met with XXXX XXXX and paid the amount being demanded ). The effective rate of interest is roughly 1000 %, surely a violation of the usury laws.
Product: Debt collection

This debt does not belong to me I ver had a card from WALMART
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXX regarding the issue but the item is still showing on my credit report.
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Date XXXX Reference # : XXXX