23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I applied online for a payday loan on XX/XX/2016 with Big Picture Loans : bigpictureloans.com ( aka Red Rock Lending, Castle Payday which I found out after the fact ). Their address is XXXX, XXXX, MI XXXX.The loan was for {$400.00} with a finance charge of {$200.00} which I agreed to, feeling it was a little high, but I needed the money and I thought it was a one-time fee. I had no idea that this loan was going to cost me over {$2000.00} to pay off until after I signed off on it, otherwise I would never have agreed to such a ripoff. Please tell me this ca n't be legal. I was told by one of Big Picture Loans employees that they were under tribal law and were not governed by regular laws of the States. I agreed and signed the loan, which was deposited into my account on XX/XX/2016. I found out later, when emailed the remaining paperwork showing apr, and scheduled payments, that the total finance charge is {$1900.00} and the total payments would be {$2300.00} ON A {$400.00} LOAN!!. is this not loan sharking? Usury? The APR is XXXX %. I called and questioned it and was told that I was exactly right in my understanding of the charges. Please, please can you help me with this scam? I did receive the {$400.00} loan which I should be responsible for, and the first payment of {$200.00} was made on XX/XX/2016, but the remaining amount is something I did not expect or would have agreed to pay for. I am a XXXX year old woman whose income is very low and I am very upset about this situation. Please let me here from you soon. Thank you very much.
Product: Mortgage

Requested 180 day forbearance as per the Cares Act. I am going through financial problems due to Covid19 but was told they will only do three months now and another three months later if needed. My wife lost her job and she have not been able to get any unemployment because Maryland have done a terrible job handling applications. I strongly feel that Navy Federal is doing everything they can to go against the CaresAct because they don't want their customers to take the 180 forbearance. One associate told me the three month is in line with the CaresAct. When i sent them a copy of the CaresAct he later corrected himself and said he just can't.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 3 accounts are not mine, my name is incorrect. Please remove this issue.
Product: Money transfers

On XXXX XXXX 2016, I made XXXX money transfers through Money gram from XXXX to XXXX, the XXXX was for USD {$5.00} to receive XXXX {$17.00} ( XXXX XXXX ) under reference XXXX, the second one was USD {$520.00} to receive $ XXXX XXXX, when I delivered this money I ask to money gram agent in XXXX that if there was a time limit to receive the money and also I if there was any a problem with the amount of USD {$5.00} and the teller told me that there was no problem. 
On XXXX XXXX 2016 the receiver and I went to Money Grams agent in XXXX and tried to receive my money and the agent named XXXX XXXX, we were told that we were not able to get the money because the transfers were blocked, and after two days of visiting XXXX offices from XXXX different Money Gram Agents and calling customer services phone it was impossible to have an agreement between Money Gram, the agents and me as the customer, on one side at money Grams customer service line they answer always was that there was not any problem to perform the payment that I was able to receive it when I want that I should go to another office and on the other side the XXXX different agents were not able to make the payment, finally at the headquarters of one of the agents ( XXXX XXXX XXXX XXXX XXXX ) there was a settlement between the agent and Money Gram customer support that the only way to pay me was to divide the transfer of $ USD XXXX in two different payments, but I would receive COP XXXX instead COP XXXX, because there was an extra cost for dividing the payment, finally I accepted because I was afraid to lose my money signing in the papers that I will submit a complaint ; for the USD {$520.00} transfer I received the money completely. 
After I received the money I submit a complaint through Money Grams web site, asking why they were charging me for dividing the payment, they answered me that the difference of the values was not for an extra charge but it was because they used the exchange rate of the day that was divided the payment which is under the rate when I delivered the money. 
The complaint is under case number XXXX since XXXX XXXX, Money Gram asked me some detailed information about which offices and agents I visited. I have asked about updates for this case number and they have answered me that the investigation is still under process, but after almost two months I am noticing no progress at all. 
From my point of view I have been a victim of the lack of communication between Money Gram with their agents and customers therefore I should receive the amount of money initially agreed, when I delivered the money. I did not request to divide me the money therefore I should not to assume difference of the exchange rate values, for that exchange rate deviation I received XXXX XXXX less than it was initially settled in our contract
Product: Checking or savings account

On XX/XX/XXXX I noticed my bank account negative XXXX dollars I went to the bank and asked why and they said there was a XXXX dollar 3rd party check cashed on XX/XX/XXXX. I told the bank I did not cash any check and I made a police report the bank is saying that the signature looks like mine when it Cleary does not look like my signature. Wells Fargo is declining to pay me back my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, Midwest Recovery Systems. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!
Product: Debt collection

Date : XX/XX/XXXX To : Discover Card & XXXX Re : Fair Debt Collection Practices Act Violation As amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ) and as a public service, the staff of the Federal Trade Commission ( FTC ) has provided us consumers the following text ( Excerpts ) of the Fair Debt Collection Practices Act 1692-1692p. 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
Discover Card and their attorneys violated my rights regarding an unlawful letter that was mailed to me by Discover Cards Attorney containing content that was untrue and unlawful and a direct violation of 15 U.S. Code 1692e - False or misleading representations.

I have made several complaints regarding this and now I am hiring an attorney because it has devastated me and caused me mental anguish ever since I received a letter from the creditors ( Discover Card ) Attorneys ( XXXX ) dated XX/XX/XXXX. I have suffered migraines and upset stomach, XXXX, and severe stomach aches ever since I read the letter and was scared and upset at the amount the attorneys were asking which is not nor has it ever been consistent with what Discover Card has confirmed multiple times that I allegedly owe. 
XXXX scared me when I received a letter from attorneys at law and demanding payment of {$3400.00} which is over and more than the amount that Discover Card has stated and confirmed multiple times through many disputes of the amount that I allegedly owe Discover Card is in fact {$2300.00}, nothing more or nothing less. 
This is a direct violation of 15 U.S. Code 1692e - False or misleading representations, a federal violation. 
The actions of Discover Card and their attorneys XXXX XXXX also violated N.C. state laws with the same unlawful action, N.C. Gen. Stat. 75-54 Deceptive representation No debt collector shall collect or attempt to collect a debt or obtain information concerning a consumer by any fraudulent, deceptive or misleading representation. Such representations include, but are not limited to, the following : ( XXXX ) Falsely representing the character, extent, or amount of a debt against a consumer or of its status in any legal proceeding ; falsely representing that the collector is in any way connected with any agency of the federal, State or local government ; or falsely representing the creditor 's rights or intentions.

I would like you to respond as to your position and what you propose as a remedy to these violations prior to me turning this entire nightmare you have put me through over to a FDCPA lawyer and filing a complaint with the N.C. Department of Justice outlining the specific charges I feel you have violated. 
XXXX XXXX ATTACHED : UNLAWFUL LETTER
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Debt collection

" If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collectar must cease all communication.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  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 STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

XXXX of my many complaints to date from XXXX XXXX use of fraund, many round a rounds that i trust would not be the end to date that was and continues. Laws FHA but only home owners protect agfter a certain date? Added wrongs..i have a huge list, documents, proof and people..but no rights..then or to date to all that no one would or was welling to assist myself and children. Extreme damage added..along with never avoice, right to defend, ,all and still no right to my overage? Who is responsible if not this office to help..none of many to stop what is and believe to be void anyway dio to some steps but with out rights..to show proof..all that could of saved not only our home but my family. WHO is there?? No one. Missed XXXX payment..single parent..good credit..now still asking who..why? SAD..guess crime pays not honest hard working people..even when Laws SET? say different. Doing time for others crimes..says it all. People who walked asway from there homes recieved money in the claims..less work for the offices..who get paid to do a job ..then assist in the rights and proof to what continues to go on. BANKS RUN OUR COUNTY..only answer there is! Laws..and my huge file to no ones importance but myself and kids..sad! YEP..loss due to XXXX payment..oh until the ones the took, never returned or applied until the said " we will apply those to pay your loan in full. ". fine print..our loss.. 
my complaint may be off but all true but why step by step..been there done that and todate..venting..knowing my complaint does not matter. all below apply but i will pick XXXX so at least my words will go through.. 

I will continue until someone helps me understand..but there no under standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed I was a victim of identity theft because I accessed my credit reports and seen a XXXX  XXXX account that had a balance of {$380.00}. I filed the necessary identity theft report with the FTC and the XXXX XXXX Police Department. I mailed it certified mail to XXXX, Transunion and XXXX  on XX/XX/2020. Notification was sent XX/XX/2020 from Transunion that it was removed and blocked, and XX/XX/2020 XXXX  advised it was removed and blocked. As of today XX/XX/XXXX, I am noticing that the items have been reinserted without proper notifications. I did not receive any mailing from them that indicated it would be reinserted or the information that they found the account to be accurate. Under article 609, they have no signed contract verifying I had many any transaction with XXXX XXXX. On XX/XX/2020 I did apply for a XXXX XXXX XXXX XXXX card as a recommendation online from XXXX and was approved. I did provide my information then. XXXX and Transunion also continue to report inquiries on my credit report that have not been authorized by me and were included in my FTC and police report. I did not have this issue with XXXX. 

I have also reached out to XXXX XXXX requesting validation of said account on XX/XX/2020 to no response. Instead they have sent me to XXXX XXXX XXXX which is a collection company and even then they have no proof and are not reporting on my credit files. I advised them to stop calling me and harassing me over a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$950.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate amendment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion has violated the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ) by failing to block fraudulent accounts from my credit report within the legally required timeframe and by providing false and misleading information regarding my dispute. 

Timeline of Events & TransUnions Violations XX/XX/year> Fraud Block Request Submitted I submitted a fraud block request to TransUnion under FCRA 605B. 
I provided : FTC Identity Theft Report ( # XXXX ) Proof of my identity ( passport & Social Security card ) Under FCRA 605B, fraudulent accounts must be blocked within 4 business days of receiving an identity theft report and proof of identity. 
XX/XX/year> TransUnions First Misleading Response TransUnion acknowledged receipt of my dispute but falsely claimed that it could take up to 30 days to investigate, which violates FCRA 605B. 
This is a misrepresentation of federal law because FCRA 605B does not allow a 30-day investigation periodit requires fraudulent accounts to be blocked immediately. 
XX/XX/year> Further Misleading & Noncompliant Response TransUnion stated they had contacted the creditors instead of blocking fraudulent accounts, even though FCRA 605B does NOT require creditor verification.

This is another misleading statement, as TransUnion is illegally stalling the process by claiming they must wait for responses from creditors, which is not legally required. 
XX/XX/year> Second Notice & Continued False Statements I sent a Second Notice demanding compliance with FCRA 605B.

TransUnion wrongfully rejected my request and falsely claimed that my FTC Identity Theft Report was invalid, even though the FTC report is specifically allowed under FCRA 605B as sufficient proof.

They refused to accept my proof of address, despite my address remaining unchanged.

Instead of complying with FCRA, TransUnion sent a generic " Fraud Victim Rights '' document and continued to delay my request unlawfully.

How TransUnion Violated the FCRA 1. Failure to Block Fraudulent Accounts ( FCRA 605B ) TransUnion was legally required to block fraudulent accounts within 4 business days but has failed to do so for over 3 weeks. 
XXXX. Providing False & Misleading Information ( FCRA 1681s-2 ) TransUnion knowingly misrepresented my rights under the FCRA by falsely claiming : That they have 30 days to investigate instead of the legally required 4-day period.

That creditor verification is required before blocking fraudulent accounts ( which it is not ).

That my FTC Identity Theft Report is not valid, despite it being explicitly accepted under FCRA 605B.

These false statements were made in both email and mailed communications, demonstrating a pattern of deceptive practices.

3. Failure to Maintain Accurate Consumer Reports ( FCRA 623 ( a ) ( 1 ) ( A ) ) TransUnion knowingly allowed fraudulent accounts to remain on my credit report, despite my legal right to have them blocked under FCRA 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just noticed several collection accounts reporting on my credit report. I have no idea where these came from or who's they are.
Product: Credit reporting or other personal consumer reports

I had 2 -3 disputes over the months with Transunion XXXX and XXXX for inaccurate accounts and yet nothing was done it was updated and verified with the same inaccurate info. nothing was being done and yes I had reported this issue to the CFPB and nothing was done. now I have sent letters to all the creditors on XXXX I will upload my proof
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I wrote to equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that equifax reply within a reasonable amount of time. 

Since this is my second request, I am notifying you that I have signed receipts for letters sent to equifax and equifax have not complied with my request. I regret that I am being forced to take such action. As this is affecting my credit ratings, I want this removed immediately. 

Please see my reasons for dispute below : Under 15 U.S. code 1681b - Permissible purposes of consumer reports 1 ) In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. 
( Concerning account XXXX XXXX XXXXL ( XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX  ) XXXX I also understand that equifax are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. So now I demand everything is removed immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$3300.00} Dear Equifax, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that XXXX XXXX XXXX XXXX XXXX and Equifax provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX XXXX XXXX XXXX 
claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what XXXX XXXX XXXX XXXX XXXX claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX XXXX XXXX claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the dunning letter. 

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. 

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the XXXX XXXX XXXX  along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship XXXX XXXX XXXX, Inc.has with Equifax, and advise how XXXX XXXX XXXX, XXXX Equidax gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is violating my consumer rights by reporting inaccurate/unverifiable information on my consumer report. 

Inaccurate information showing on my consumer report : Collections XXXX XXXX XXXX Opened XXXX {$3300.00} The alleged collection account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.